Mrs Murphy gave up work to be a full-time carer for her husband and because of his haemophilia they were unable to takeoutinsurancepolicies or mortgage protection.
Many companies operating in Colombia and other high-risk countries takeout ransom insurancepolicies on their employees because the risk of kidnapping is so high.
It would also mean encouraging a switch from employer-provided health care to personal health insurance, by giving tax breaks to those who takeout individual health policies.