Followup: Insurance for Americans living abroad

According to discount insurance brokerage QuickQuote, most insurance companies require U.S. residency for at least 3 years prior to application.

I am still a bit perplexed by this Japanese insurance system. I would be paying 4 times more for a policy which pays off 10 times less than if I were insured by an American insurance company. That doesn't make any sense.

I'm going to need to re-examine my options here in Japan. I don't want to get fleeced because I think I have no other options. Apologies to Ishida-san, but I am a little uncomfortable paying those exorbitant rates for a pitiful amount of coverage.