AD&D insurance coverage on YOUR VEHICLE has nothing to do with life insurance. Now, you may be limited in what upper limits you can carry on your auto policy in your state, but it is usually quite easy in our state to get at least $100K/$300K coverage, and generally more is possible with additional rider - insurance companies will always take your money.
Granted, this is not a $1M life insurance policy, but, who/how many people actually have one of these (term life) policies? Or, whole life policies - which are at least worth something that you could cash in later if you needed to, rather than continuously throwing money in a hole (insurance company pocket). My wife and I invest in a UVL ( Universal Variable Life) policy, but you do have to pass a physical to start, and that may prove a hurdle. The good side of that is that it is our money, and we can use it todraw as retirement income, or pay for long term care, and, if either of us does die the benefit is almost $1M.
Prior to this, I had about $50K of whole life coverage that I still carry. I bought that policy as soon as I graduated from college to make sure that I'd cover my bills and plant myself with no debts against my family, but I didn't have a young wife, children or a mortgage. It is a personal decision that only you can make for yourself, of course. But as others have said, riding a bike might increase your risks a bit, but don't be fooled into thinking that your risks are tremendously lowered if you don't ride a motorcycle - they are still substantial.
