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The best course of action is to buy a Trust of Trusts , like EIT.UN or SDT.UN, you get exposure to Oil and to Gas, plus other Industries. AET.UN is the best for a straight energy play. 10% of my monies are in Trusts. The $CDN will be worth $0.95 US within a year.

Alan, good luck, it sounds like things are rather tough, but it is possible to buy private Insurance in the UK at a reasonable price. In the Us it is quite likely that your Brother's coverage would have elapsed and that he would have to pay out of his own pocket. I have friends who have had to...