If the firm also took out a policy for the same amount and under the same conditions, paid for it themselves, but named a beneficiary of my choice, I'd be OK wi

If the firm also took out a policy for the same amount and under the same conditions, paid for it themselves, but named a beneficiary of my choice, I'd be OK with this practice. Sure it doubles their premium costs (absent a quantity discount), but in my mind it would resolve any ethical issues since my heirs would also receive a benefit from my demise.