Verizon autopay discount vs C1VX phone insurance. Any legit workarounds?

I recently switched to Verizon and realized their $10 per line autopay discount only works with ACH or debit, not credit cards. If I use a credit card, I lose about $40 per month in discounts across lines.

The problem is that my Capital One Venture X provides cell phone insurance, which only applies if the monthly phone bill is paid with the card. Verizon’s insurance is worse and more expensive, so I am trying to figure out if there is a legit workaround that keeps both benefits.

Some ideas I am wondering about, and I would love input from anyone who has tried this or knows how strict credit card insurance terms are:

If Verizon is paid via ACH for the autopay discount, but I have a secondary eSIM on the phone:

-Data only eSIM (e.g. Google Fi)

-Prepaid eSIM (e.g. Mint Mobile)

-Travel eSIM (e.g. Airalo)

and I pay that monthly plan with my credit card, would that still qualify the phone for credit card insurance?

Do Capital One Venture X phone insurance policies care about:

-The primary carrier versus a secondary eSIM?

-Whether the paid plan includes voice and SMS, or if data only is acceptable?

-The dollar amount of the monthly charge, or just that there is a recurring cellular bill paid on the card?

-Has anyone successfully used a cheap prepaid or data plan purely to keep credit card phone insurance active while using Verizon on ACH?

I am not trying to do anything shady. I am just trying to understand how these policies are interpreted in real world claims before giving up either $40 per month or insurance coverage.

I would really appreciate:

-First hand experiences

-Credit card fine print insights

-Carrier or insurance claim outcomes