Oz, I agree with Cas on the laundry etc. If he weren't going off on his own very soon it would be more of a question mark, but as it is, I would say keep that stuff status quo.
On the insurance, just say no. Avoid confrontation if reasonably possible. If it keeps coming up later you may have to get hard-nosed about it, especially if the alternative is to get sucked into an insurance scam which he has deluded himself into believing is a good idea (I think it a pretty safe bet that what he has in mind is seriously illegal), but for now, just keep it short and sweet.
Hang in there!
Peace, Dawn
Me 45/H 47, no kids Together since 1985; M/1992 Bomb1 (EA-OW1, age 22) 2001 Bomb2 (EA/PA-OW2, age 22) 10/2007, A continues H left 11/24/08 minimal contact, no legal action http://tinyurl.com/DawnHope1