Is Selling Critical Illness or Accident Insurance Worth It? Why/why Not?

Hi guys I'm a new health insurance broker and considering adding critical illness and/or accident insurance to my product offerings. The way I see it I have three options:

1) Try to sell it directly perhaps as a rider on a primary health policy.

2) Try to work out an affiliate deal with an online marketplace like ehealth.com to get commission from each policy sold through my referral.

3) Not offer accident or critical illness at all and focus on my primary policies.

I recently read this on the OptimaRe website about the benefit of critical illness and how its one of the fastest gr
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