Probably the better option anyway

I understand now about the insurance - yes, the amount you can get/have can certainly make a difference.

I surmise that your insurance amount is not large enough to also cover Suspended Animation standby service, and that you are arranging with a local mortician? That could actually be a better option than the standby service of SA or Alcor, if the mortician is properly advised, equipped, and willing. In many cases they could certainly get to you with help, a lot faster than a standby team trying to fly or drive in from afar, could. That speed of response is probably worth a lot more than more sophisticated procedures a cryonics team would do, up to a day later.

If indeed you are going for SA's services, I feel in trying to add it all up that SA does have a bit of an edge on Alcor's. At least, SA recently demonstrated that they have capability on both coasts. That doesn't help you much either way in your location, of course.

Cheers,

FD