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....

�now we know the astonishing truth that some patients are waiting a year or more just to get treatment. it�s simply not good enough.�.

the provider paid out on 7,469 life and 1,769 critical illness claims in the year, with men accounting for 59 per cent of life claims and 47 per cent of critical illness claims..

�the kind of review being proposed does not, at least initially, appear to bring anything new or needed to is already a robust system of oversight,� mogulof said in the statement..