What I have found is that no two Boat Insurance Policies are a like.. Cost, coverage and cruising grounds change based on crew, boat and location.
There are very few, if any, insurance companies that will write single
hand, ocean crossing
policies. Again, depending on your husband's experience, the condition of the boat and where he is sailing.
If anyone can find a policy for him, it will be International Marine Insurance Service
(IMIS)... They are Insurance Brokers and can shop the best companies, foreign of domestic... They got me hooked up with Pantaenius, which saved me $2k per year for the nearest competator...
Also, insurance companies base their liability/risk assesment partially on crew experience, tranning and education. Before shopping
around have your Husband write out a Curriculum Vitie (CV), including the above infomration. If he has a good CV this could help in obtaining insurance.
Finally, if you a concerned about your husband's Life Insurance, you should talk with your comany directly and determine if he is covered during this trip or have a lawyer review the "Fine Print" in your current