life/accident insurance in Experimental category gliders

Dear All,
I just had a rude shock when checking my life insurance that I carry
expressly for flying light airplanes. I am not covered while flying my
ASW-20 because it is in the Experimental Category. The intent of the
restriction is to deny covereage to pilots flying homebuilt aircraft.
The fact that our ASW-20s are licensed in Germany, are production
aircraft, not amateur built aircraft, fell on deaf ears. No coverage
for Experimental aircraft and that includes a blanket restriction on
all categories of Experimental aircraft....research and development
(put winglets on your Standard Airworthiness category glider and you
become Experimental/ Research and Development ) airshow-exhibition
category, amateur built category, etc.etc.
Anyone else out there have this same experience with their insurance?
You can get up to $200K of accidental death and dismemberment
insurance from the AOPA if you are a member and it does not restrict
us from flying Experimental aircraft or gliders, but it does restrict
us from doing any commercial flying.So if you are flight instructing
in the back seat of a Blanik, you are NOT covered.
Phillip LaBerge