The proven techniques to negotiate your life insurance!

The proven techniques to negotiate your life insurance!


Is the topic of life insurance giving you nightmares? Read this!

It will only take you a moment and you will learn how to negotiate your life insurance like a professional ! You will surely be able to keep more money in your pocket with these tips and life insurance will suddenly seem different.

Everything can be negotiated. That has always been the case, but unfortunately, we seem to have forgotten the importance of automatically negotiating prices. While you will not be looking to negotiate the price of your favorite dish in a restaurant, in terms of life insurance, you certainly can. It is even made for negotiation.

You do not have to be a big talker to be able to negotiate your life insurance. With that said, you need to know a bit about the topic so that you don’t get swayed by the sweet words of an agent. There are techniques to use depending on what you wish to negotiate. In life insurance, you want to get the best deals, the best prices, and the best options. Would you like to know these techniques?

Together, let’s take a look at the 4 proven methods for keeping your money in your pockets.

The best and not the least stands out with a price comparison!

There are professionals whose job is to find for you the most competitive rates. It is their job to know, and they have it in their fingertips. They will find the best formula based on your criteria and your needs.


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Companies always say that prices are subject to change. And for once, this statement can be to your benefit.

Your savings start here, with this short form to identify your needs.

Our partners (insurance brokers and insurers) are able to make offers from the answers you will give them.

They have access to the products and services of +20 reputable life insurance companies. It is their role to find you a product that fits your needs.  

One of them will help you after you have filled the free form on this page.



The 4 techniques for negotiating life insurance to save on cost

4 ways to negotiate your life insurance that will save you a lot of money!

Yes, we will explain how to negotiate your contract to pay less, but you can save on life insurance in other ways:



  • Get life insurance as early as possible, the younger you are, the cheaper it will be ;
  • Stop smoking because smokers pay a premium;
  • Consume alcohol moderately;
  • Have a healthy diet and a healthy lifestyle.

The best life insurance offers require a medical check-up and the cost of your premiums are based on the doctor’s findings. The healthier you are, the less likely you will die soon which means a lower risk for the insurer. This makes it possible for you to get a competitive offer.


Lower the cancellation cost of your life insurance.


Although this is not the reason for life insurance, there are cases when a person needs to request for a portion of the cash surrender value of the policy, or even terminate the policy and get it all. In this type of situation, an insurance company may charge astronomical fees if they were not negotiated at the time of subscription.

Therefore, you must negotiate cancellation fees from the beginning.

You can add an option to your contract to allow you to obtain a loan. Simply add a maximum percentage to your policy that will be added to the base rate. In this way, it will be this percentage that will be applied to your loan.


Read your life insurance policy especially the fine print!


Don’t sign anything without reading everything first! There may be some contract clauses that offer more flexibility than others. Generally, the smaller the print, the more important it is for you to read. Take into consideration that if
it is not stated in the contract, the company will not grant it to you. If you have conditions that you need to add, do so before signing the contract.

It is strongly advised to obtain a contract with the option of converting or your term insurance policy to a permanent life insurance when negotiating your contract. You also need to ensure guaranteed renewal is included. This means you can renew your life insurance even if your health has deteriorated.


Your price, final point: do not go over your budget !


Do you have a strict budget to follow and precise criteria of what you want to have as protection from your life insurance?

The insurer will be able to adapt the options of your insurance contract according to your budget in order to facilitate your insurance protection. A vast majority of insurers will be able to offer a product that meets your requirements.

Tell yourself that by finding a contract that suits you, they win a new customer and to every insurer, a customer means money. They will do what needs to be done to get you to sign up with them rather than for you to go a competitor.


With a broker, you can compare multiple insurers at once!


You can talk to only one person to evaluate several products. By asking for the help of a financial security advisor or a life insurance broker, you multiply your options and save time. These professionals have access to the offers of many insurance companies at the same time and can provide you with more competitive quotes than a single insurer. They can, therefore, give you quotes that are tailored to what you are looking for.

Take, for example, mortgage life insurance which is required by many financial institutions when you are taking out a mortgage. A broker will advise you to go with individual life insurance instead to cover your entire mortgage and also provide financial security to your loved ones and cover final expenses. With mortgage insurance, only the lender will benefit from it.

With the platform « Compare Insurances Online », you will know the ins and outs of your contract by having one of our partners (all insurance brokers and insurers) help you.

 These partners are at your disposal and are ready to help you.

 Our form is designed to save you time by targeting your needs through a few brief questions and also allow you to communicate with our partners quickly.

 You will receive a quote based on your profile and you can negotiate the points discussed above.

This form is FREE OF CHARGE and is OBLIGATION-FREE for the user.   

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