Add possibility of adding another charge at checkout

I wondering if there is a way to have on the checkout screen the customer to have the option to add Insurance to there package and have it added to the cart without have to create a new product just for insurance and a block? any ideas?

Insurance sounds like it would be a good candidate for an “option”. If insurance rates are very different for different products, this might need to be done on a product by product basis rather than universally.

That said, since options can add to the total cost (+10, +20) this seems like the best way to go.