Don't feel guilty. It's all in the underwriter's hands, not the local rep. The whole concept is crap. "Here, pay for this in case you need it."
"Cool, that seems fair. Bit of a risk but I get it"
"Oh, you needed it? We have to charge you for that now"
It's like paying for a reserved parking spot in a downtown city but then they charge you if you actually park in it.