1.In your opinion is COLI unethical? If you think there is something unethical about the practice,what is it/ If you do not think so,why do you think so many people find it unethical.

2. Suppose a company provided life insurance to each employee and also had a COLI policy on each employee;would that settle the fairness question?

3. Does the fact that from a financial perspective some employees are worth more dead than alive represents a genuine conflict of interest.