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Instead of looking for a different CFI you might consider looking for a different insurance underwriter. Avemco's open pilot requirements are multi-engine, instrument, 1500TT, 100 ME and 5 make & model. That's far different than 50 for the instructor and 50 to be personally insurable. And as for their named insured, I believe they will accept far less but with a corresponding rate bump. With 18 logged hours it seems you both should be good to go. Probably worth a phone call.
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