If only insurance is being asked, I would presume that they have accepted that your income is over $80K. Once you submit the insurance, qualification endorsement will take about 10 business days
, $100K has to be in a savings account with a Bank for 12 months. Any other form of asset even if fully liquid is not accepted. Getting an insurance policy with maximum deductible wasn’t expensive. I paid less than $200 for it and it resolved the issue.