There's no ethical living in a pandemic that's also taking place in a capitalist nightmare I guess.
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Money talks. Sad to say. Follow the safety guidelines and leave the rest up to fate.
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Is it a health insurer?
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Oh, potentially. There aren't many details in the email. But I guess there must be reasons it's considered essential at this time.
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All types od insurance will be crazy busy at the moment - health, income protection, travel, mortgage... at the very least you could be speeding up the process for people desperate for financial assistance
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