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when hard rains fall, the media are there with an umbrella to hold over organized society�s head. to walk away in the middle of a downpour would leave the status quo unprotected. .
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. .
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. .