Add lobster tails; return to a boil and cook 5 minutes.
Remove tails from water with kitchen tongs; rinse under cold water.
Drain.
With a sharp knife, cut down outer edge of tail to remove shell.
Remove meat; cut into chunks. Discard shell.
Saut onion and apple in butter in a small skillet; stir in flour and salt.
Add chicken broth; cook over low heat, stirring constantly, until sauce begins to thicken. Stir in whipping cream; cook until sauce is smooth and thickened.
Add curry powder; stir well.
Add reserved lobster; cook until lobster is thoroughly heated.
Spoon over rice, and serve with several of the following: (about 1 cup each) chutney, flaked coconut, chopped hard cooked egg, crumbled bacon, salted peanuts, and raisins.