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While I'm sure you are 100% ethical, you are also 100% wrong.Most policies are used due to accidents. So, if you add the AIG ded. rider for up to whatever you ded. is set at, you would only pay $100 oop then after that the Assurant 1 ded. plan covers 100% no if, ands, or buts.
Think about it logically. Major Medical for even a 17 year old male is still about $75-100 per month for $5 million in coverage. $5,000 of accident coveage is about $25.
Now make it a 45 year old smoker. Price is maybe $250-400 per month. The accident plan is still $25.
You do the math.
By the way, if you agree with my assessment but continue to promote insurance this way, would you be maybe 80% ethical?
Rick