. http://lm360.us/Volstad-mother-of-Pulliam-from-Walsoken?Strevellb=83 phil lempert: it's affordability. it's convenience. it's not having a lot of waste. people are more concerned about waste than ever before. .scottish widows has its eyes on the master trust prize . . .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. . february 2005 (8) .