Money Box has learnt that thousands of people with the right to work in the UK have not been able to access a National Insurance number. Without one they may not be able to work, open a high street bank account or claim benefits.

The Bank of England has written to lenders to find out whether they are ready for a zero or even a negative Bank Rate. How likely is it and what will that mean for our savings, mortgages, and other debts?

And the life insurance policy that wouldn’t pay out when a terminally ill man needed the help.

Presenter: Paul Lewis
Reporter: Dan Whitworth
Producer: Alex Lewis
Editor: Emma Rippon