These rigid insurance requirements make no sense at all to me.
Surely it would make more sense to replace this with a requirement for a sign-off from an approved Cirrus instructor that you were competent to handle & manage the aircraft solo. Some folks might be able to demonstrate this in a couple of hours; equally there could be others who'd still be struggling after 20.
The training, checkride & signoff should take as long as it takes - no more and no less.