No.
An insurance company’s rates are identical no matter where you purchase the policy. For example, Mutual of Omaha final expense coverage is the same price whether you buy from another agent or us. The rates can’t be different.
There is no negotiation when it comes to insurance pricing.
It's also worth noting that nearly all burial life insurance plans available in the USA are not sold directly by the insurance companies. Over 95% of them only sell their plans through agencies licensed to sell their products.
As an example, if you call Mutual of Omaha directly, the only plan they will offer you is their guaranteed acceptance coverage. It has a two-year waiting period and costs more than their plan that has no waiting period. Mutual of Omaha plans with no waiting period are only sold via licensed agencies such as Choice Mutual.
A few insurance companies sell their plans directly to consumers and through licensed agencies. Gerber Life and AIG are two such examples. Whether you buy through us or directly from them, the price is identical.