1. In respect of conditions as I have already explained on this forum I am not enquiring about health insurance.
2. Contents = home contents not buildings.
3. Aren't there circumstances when ones health doesn't matter for insurance? Frankly I am very low risk. I would have thought readers would know what I am enquiring about from my explanations. Haven't any of you been there?
4. Thank you for mention of umbrella insurance, sounds like a policy I used to get through work.
5. The names mentioned are effectively insurance agents.