My post was restored. Thanks everyone for their replies

I am not part of the App Review team, but the only accepted way to use a customer service flow (like contacting the user support desk) for account deletion is if your app is used in a highly regulated industry. I was told by App Review that the fields given as examples in App Store Review Guideline 5.1.1(ix) - "highly regulated fields (such as banking and financial services, healthcare, gambling, legal cannabis use, and air travel)" - are the only fields that Apple considers to be highly regulated. As long as Apple considers insurance to be a financial service, I would think that your plans for account deletion would be acceptable. I'd email Apple directly to confirm just in case.

After 2 months, I was able to get an answer on what Apple considers to be a highly regulated industry. It turns out the examples listed in 5.1.1(ix) - "highly regulated fields (such as banking and financial services, healthcare, gambling, legal cannabis use, and air travel)" - are the ONLY industries that Apple considers to be highly regulated. Apple does not consider commercial fishing to be a highly regulated industry. This is extremely misleading. I submitted feedback requesting this be clarified in 5.1.1(ix) of the App Store Review Guidelines. If you experienced a similar issue, I suggest you do the same here: https://developer.apple.com/contact/app-store/ and select 'suggest a guideline change'.

Still an ongoing issue as of October 11, 2022

If anyone has any insight, please reply! Thanks for reading my post

I'd reply and explain to the app reviewer that your login works based on location/country, and attach a video showing a successful login of your app. In the future, I would explain the location based login in the 'Notes' section of 'App Review Information' when submitting a new version of your app for review. I'd attach the video showing a successful login in the 'Attachments' section as well.