Let me make three simple things clear.

1. Payment does not happen until you need the procedure. See the link I gave you. They only want payment in advance of the actual procedure to give you the $5000 discount (relative to life insurance rates), which could be right beforehand as I understand it. The reason for this is clear, simple, and logical: Life insurance is riskier because if you don't die they don't get paid.

2. Losing money in business is not unethical. Only cheating people out of money is. If you have no clear evidence that SA is cheating people out of their money, don't act as if you do.

3. There is no legal, ethical, or moral requirement to describe your business in detail on the internet. Plenty of ethical, legal, moral businesses do not.