he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. .
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. .