Can You Negotiate Life Insurance? 
In general , you can not negotiate life insurance . The rates are set at a certain cost per thousand dollars of coverage , and there is no bargaining allowed to reduce that cost . However , if you are rated higher than you think is fair , you can use an experienced life insurance agent to go to bat for you . You may be able to get a letter from your doctor that helps the underwriter see your health in a better light . You may be able to provide additional medical records or testing to improve your rating . You might possibly even be able to obtain a lower rating from one company on the grounds of what another company rated you . 