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If you're in need of affordable health insurance quotes individual and family, a highly recommend that you simply get online and start looking for free life insurance quotes. After you get several of these in hand contact the company directly and ask him if there's any way that you can get these things lower. This is called negotiating my friend and it works.

When you got quotes in hand and you can get on the telephone with these people and say I notice your quote of $50 of that code here for $40 for the same thing, is there any way possible that you can meet or beat that price? If they can't then you move on to the next one. Don't burn any bridges by the any means, but keep notes of who has the lowest quote's, what the actual pros and cons of each policy are, look at the different savings advantages by raising your deductibles, etc., you get the idea.

And if you're looking for affordable health insurance quotes for individual and family, I hope you realize that there's going to be a substantial difference for individual life insurance costs and family life insurance costs. With individual plans I highly recommend getting the higher deductible because it's easier for you to pay every day doctor visit costs out-of-pocket and carry the insurance itself in case of major expenses such as hospitalization. This is much more difficult to do for a family because the everyday costs of visiting a doctor would get out of hand quickly.

As I stated previously, your best bet is to start getting several free life insurance quotes right now and again touch with the insurance agents directly and leverage the quotes that you have in your hand. Just like in any business people are going to be more likely to give you a discount rather than send them to your competition and let them take the sale.