Comments on: How flexible are life insurance quotes. Can I negotiate with company for a better rate.?

By: isobel

isobel — Tue, 16 Feb 2010 23:04:59 +0000

Your rate can not be negotiated when the underwriting is done. If you don’t like your rate, you can refuse to accept the policy within 30 days and there will be a refund of premiums.

What you can negotiate is going through different companies. Shop around. Make sure you check the financial strength ratings from AM Best!

Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.
References :

By: Jeff

Jeff — Tue, 16 Feb 2010 22:19:59 +0000

lifeinsurance.awardspace.info – try this one. I have their insurance and, as remember, they can provide such a service.
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By: Life

Life — Tue, 16 Feb 2010 22:13:59 +0000

I have just found a website that gives reliable Life Insurance Quotes

http://login.tracking101.com/ez/drsyrxcoswxs/

they help you to save upto 40% on your life insurance
References :

By: Aquino

Aquino — Tue, 16 Feb 2010 21:50:59 +0000

Life insurance rates cannot be bargained down. You either fit within a certain premium bracket or not. That is why it is imperative that you shop around before settling on a policy. Your local agent may be the obvious choice but be warned that most local agents are affiliated some insurance companies. This could result in a biased opinion and unnecessary hard sell of certain products. Nowadays, the best option to look for life insurance would be online. There are a number of insurance service providers can provide you with a staggering choice of different policies for different requirement. Within minutes you could find an unbiased affordable insurance option for your age, health, sex and lifestyle.
If your health is poor or you qualify as a specialized case (you have a high risk job, are a smoker, etc.), there are website that deal effectively in such situations. There are well versed with the underwriting process involved in qualifying for an insurance policy and can help you locate the insurance company to suit your needs. When purchasing your insurance online, the process just gets that much simpler and your decision is based on in-depth research and expert recommendations.

Aquino
References :
http://www.accuquote.com/

By: mbrcatz

mbrcatz — Tue, 16 Feb 2010 21:38:59 +0000

There isn’t any wiggle room.

The way to negotiate a better rate, is to get more quotes with different companies. There’s a WIDE range of quotes – but you have to get them with different companies.
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By: CAROL W

CAROL W — Tue, 16 Feb 2010 21:09:59 +0000

It looks like a non easy cracking nut,looking around here http://www.InsuranceFreeTip.info/insurance-for-free.htm ,you may find something useful for you.
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By: Insurance Pickle.com

Insurance Pickle.com — Tue, 16 Feb 2010 20:46:59 +0000

Nope...if you want 10% off then you need to buy 10% less. The rate is the rate.
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By: jlf

jlf — Tue, 16 Feb 2010 20:15:59 +0000

The insurer makes the offer pretty much on a take-it-or-leave-it basis. The broker can't change that.
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By: car253

car253 — Tue, 16 Feb 2010 19:35:59 +0000

Rates are not negotiable. They are set and approved by the Department of Insurance. Broker fees may be negotiable so you can ask about that.

And, why were the rates standard rates and not preferred rates? You need to ask about that too. Kids do not need $400K of life insurance. Is that what you did? You may be an exception to the rule but it sounds like this agent is making big money on you.

Your kids could be covered under your policy as a "Children’s Rider". It is just enough to cover for a funeral. You need to talk to your insurance agent or find another one.

Since I do not know you these are just suggestions. Having a good agent is invaluable. An good agent gives you what you really need and does not rip you off. And, like I said I don’t know you so I can not say what is right for you.
References :
One honest life insurance agent.