Can You Negotiate Life Insurance Rates? 
Good question in as much as you can negotiate price for just about anything else ! But , no , life insurance premiums are really not negotiable . It 's interesting to note that different insurance companies do have slightly different pricing for similar products , but once approved by the commissioner they are locked in until the insurance company can prove their costs have risen . Tim and Peggy above here have good input regarding getting the best rates . I would add that if you can pay your premium annually instead of monthly or quarterly you will save a little . Generally the less payment processing the company has to do will reflect in the premium charged . 