It's not the insurance. OP said he (she) has that fixed now.
Also, EAA offers supplemental D&D insurance. AOPA probably does, too. The insurance company that my credit union deals with will issue a rider for an additional premium. So will most others. So it's not about insurance. That can be had. It just costs a bit of money that actually is pretty trivial compared to all the other costs of flying.
Personally, I believe either (1) OP is feeling some guilt about not having dealt with this already, (2) has come to realize that flying does carry some risk and is weighing that risk against his/her family obligations, or (3) simply hasn't found flying to be his / her cup of tea.
Look, everyone has their fears. I've been through enough **** in my life that there aren't that many fears left. But there are a few. For example, I'm terrified of motorcycles. That's because at this point in my life, I'm less afraid of dying than I am of being maimed or paralyzed.
Whether we like it or not, death is on all of our agendas. Right there on the bottom. The very last line, in fact. So we prepare for it, and depending upon our own unique situations, we decide how much we want to tempt it.
In my case, no one is financially dependent upon me any more. My insurance would go far beyond paying my debts and covering my burial (assuming that anything's left to bury); so whatever hardship my loved ones would experience would be limited to emotional grief. And you know what? That's inevitable, anyway. Last I heard, none of us get out of here alive.
So I'm willing to take greater risks with my life than I would have been a couple of decades ago. But being maimed, or paralyzed, or something along those lines... that terrifies me. And it's that fear that has kept me away from motorcycles after several tries. At some point, I decided that if I were going to be terrified every time I mounted a bike, then probably I shouldn't be doing that, anyway.
I have no idea what OP's problem is. I'm not even sure that it's fear. Maybe he or she just doesn't like flying as much as he or she thought he or she would. (Inclusive language is such a pain...) OP needs to determine what the obstacle is, and decide whether to overcome it, or to give in to it, based on his or her situation in life, at this moment in time.
But the one thing I'm sure of is that that the OP's situation has nothing to do with insurance.
-Rich