One of the features of integrated schools is that they ask for all the money nearly all up front, by which I mean you have often paid 3/4 of it before you have even seen an aeroplane. As you have deduced this is a 'bad idea' from the customers' point of view. Insurance companies have a similar view and you unfortuately have zero chance of finding anyone to offer you a policy. I'm sure you have already considered this, but if not you might like to look at modular training options which are more 'pay as you go', and considerably cheaper.