I Need 2 Million $$ Cap Life Accident and Health E&O

Napa has an interesting product:
$1 Million per claim / $3 Million annual aggregate – Great news! $1M/$1M limits have been increased to $1M/$3M for the same low price.
$2 Million per claim / $2 Million annual aggregate $469
Deductibles And Retentions
(according to their website)
E&O for less has:
$1M/Each Claim
$2M/Aggregate
$497

Are they both well accepted by the insurance companies?
Which one is better for a $2 million cap for Life Accident and help/
Thanks
Source of insurance-forums.net

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