In insurance, whether life insurance (permanent, temporary, universal, mortgage) or salary or disability insurance (short or long term, revocable or irrevocable), there are too many products, too many options, too many insurers! They all seem to have the same coverage and yet the prices are very different from one place to another. Learn to recognize the subtle, yet very important differences in the offers of various insurance companies and to know the 20 most effective tips for saving a lot of time and money. Learn how to become a master in negotiating your insurance and see what mistakes to avoid and what options to consider. Become an expert at saving quickly and effortlessly by knowing what questions you should always ask when submitting a quote to an insurer. Your loved ones will be amazed.