Regarding my insurance company getting to sell my organs after my death...

No. Emphatically no.

This is a very, very bad mis-incentive for the insurance company toward my continued well-being. I'd rather have the current system, where because of continually rising premium rates, the insurance company has the incentive to keep me alive for as long as possible. (Note that I do think the current system is broken as-is, but that is a discussion for another day.)