24. Assume you recommend that the Clements purchase $300,000 of additional life insur- ance on Nicholas's life. The policy you recommend is a limited pay whole life policy with premiums payable for 20 years. You tell the Clements that the advantages of this policy are that it supplies the additional life insurance Nicholas needs and it will be fully paid up when Nicholas is 47 years old. The annual premium is $4,500. What ethical concern is raised by this recommendation?