“contrary to public belief, the majority of claims are paid out and scottish widows should be proud of how many families they helped during such challenging times.” http://lm360.us/Peraro-son-of-Cottier-from-Obyachevo?Kramperbr=119
joe sanjo .
"she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird." .