Be aware that non-owned coverage will only apply in certain situations. With most policies, this coverage applies anytime you use a non-owned aircraft, but only if you or you and your spouse are the policyholder. It can also apply to your use of a non-owned aircraft when your aircraft is down for maintenance. Because most people are unaware that this type of coverage exists on their policy, take the time to review this part of your policy. If you don't understand the coverage and how it applies to you, contact your agent for assistance.
Some places have no restrictions on older pilots.
If you insure your aircraft through an unauthorized company and you have a claim that is not honored, it will be very difficult, of not impossible, for the insurance commissioner to assist you in recovering any money for your loss. Get The Best Advice and The Right Policy.