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the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted. .
bruschi, who said he never fell into smoking cigarettes though he enjoys a cigar now and then, has a favorable view of raising the tobacco purchase age, too. .
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.
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