Oh agreed—that seems reprehensible on its surface—not that I imagine it was anything the people involved took lightly.

But in the spirit of, in your professional capacity, taking care of the people you owe a professional duty to before you take care of yourself (in the material sense, at least)…

One imagines these families in particular could afford the difference for the premium care, on their insurance-company-executive salaries.

Fortunately the jury seems to have agreed too.