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mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down". .
scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .
.he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
"it has been a long two years and throughout that time the western trust has not been assisting us in trying to understand the circumstances around our mother's death. .
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