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

By: Truth is best option to trust

Truth is best option to trust — Wed, 10 Feb 2010 00:38:59 +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!
References :
http://obe231.blogspot.com

By: ewwwofficialsexnewscom

ewwwofficialsexnewscom — Wed, 10 Feb 2010 00:28:59 +0000

always possible to negotiate
References :
http://www.insurance-assurance.com/

By: ddnc_dave

ddnc_dave — Wed, 10 Feb 2010 00:02:59 +0000

I think they are pretty firm on the rate once you get it. Some companies are better than others though. Try this link for a quote and good luck!
References :
http://insurance.divinfo.com/

By: kimm916

kimm916 — Tue, 09 Feb 2010 23:44:59 +0000

when you are quoted rates for a single/family policy, the rates will be standard and no room for negotiating. if you were asking for rates on a group plan, meaning your an employer of a company then you can negotiate. for an individual policy you take what they quote.
References :
insurance sales

By: Ari O

Ari O — Tue, 09 Feb 2010 23:15:59 +0000

You can ask for a higher premium, a different payment schedule, or try and find a different company.

Try http://www.quoteandsave.com for insurance comparisons.
References :
http://www.quoteandsave.com

By: jonesy634

jonesy634 — Tue, 09 Feb 2010 23:06:59 +0000

No, the rates are not flexible.
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By: aoifeb2000

aoifeb2000 — Tue, 09 Feb 2010 22:59:59 +0000

If you were quoted standard rates, that’s what you get, and that’s probably your rating anywhere you go…Underwriting is not very flexible, and it doesn’t sound like you are going to get preferred status…You can shop around for different products, perhaps…A lower face amount will change your rate dramatically…Is there a specific need for such a large face amount? Ask if your premium would change if you added some exclusions…
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By: mbrcatz17

mbrcatz17 — Tue, 09 Feb 2010 22:14:59 +0000

No, life insurance quotes aren’t flexible at all. What you CAN do, is ask your broker for quotes with a different carrier, or go to another broker and ask for quotes.
References :
agent, 20+ years

By: Talia W

Talia W — Tue, 09 Feb 2010 21:47:59 +0000

Im not entirely sure, but do use a great financial advisor that does not charge (commission based). If you’re UK based (im London), I can give you his details if you’d like, my email is tewy84@yahoo.co.uk…If not, good luck with finding out!
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By: skcs69

skcs69 — Tue, 09 Feb 2010 21:32:59 +0000

Yes.
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