MANCHESTER, England - Police yesterday arrested a British woman on suspicion of fraud after she claimed her husband died five years earlier in a canoeing accident and cashed in his life insurance. The husband reappeared last weekend.

British police arrested Anne Darwin, 55, once her flight from Atlanta touched down at Manchester airport. They said they hoped she could shed new light on her husband's whereabouts since he was declared officially dead from a capsized canoe in the North Sea in 2002.

She was undergoing a medical examination yesterday after being transferred to Cleveland, a region about 250 miles north of London where she would likely be questioned today in the investigation.

John Darwin, 57, turned up in London last weekend. He walked into a police station and claimed to have amnesia. He was charged Saturday with fraud and acquiring a passport in a false name, and will have a court hearing today. *