it’s hard to imagine insurance companies doing anything improper or unethical. But like any company in business to make money, what is proper or improper, ethical or unethical, right or wrong, is not defined by moral absolutes or standards. It is defined by legal technicalities. Fairness, integrity, and conscience are nice words to flaunt. But the bottom line is always comes down to profit margins, not nice words.Here are some profit-driven business practices of insurance companies to look out for. (DISCLAIMER: Not ALL insurances companies)