Can You Negotiate Term Life Insurance? 
That is a great question ! If you find an insurance company that will allow you to negotiate with them , would you please drop me a quick note and let me know who they are ? Kidding aside , you will not find one . Insurance companies are the strictest of bean counters , and there is n't a one that will change rates for you . They are very strictly regulated , and in most cases , would have to change the whole rate group 's premiums to match whatever rate that you were able to negotiate . That is very , very unlikely to ever happen . I hope that helps , thanks for asking ! 