A bit off-topic. I have some "pre-existing medical conditions" travel insurance with Staysure. It's a couple of hundred quid a year for all trips as long as I don't set foot in North America. I rang them up to get a renewal quote a while ago and was "held in a queue...your call is valuable to us". The usual crap. Anyway, the muzak was OK and up-beat so I held on the end of the phone. Suddenly, it switched to some quite tasteful, sombre organ music. A human being came on the line..."Staysure Funeral Care, can I help you?"
I think they knew a lot more about my life expectancy than I did.