Taking from the dead during a Pandemic

In these unprecedented times I received an offer from Momentum Life for "relief"during financial difficulties . Their offer is to give a payment break of three months but! this comes with a 80% reduction in cover. This must be one of the worst attempts at shameless profiteering we have witnessed. Can you imagine a company who insures lives, trying to reduce their exposure by 80% during a Pandemic! A quick Illustration of my own policy shows that If Momentum gave me three months fee without reducing my cover , my death would cost them 0.13 % extra. Is this small percentage too much to ask after our President asked us to make sacrifices. If I accept Momemtum's relief package and die from the virus then they will save 81% on the death benefit payment . So please be careful of accepting this and any other "help" from Momentum because they would rather pocket 81% of your death benefits than lose 0.13% of their own money. If this is not immoral price gouging then what is?