Most people don’t realize that they may be able to negotiate with insurance companies and get a lower price on their insurance policy. Be up front but firm and let the insurance companies know you’re trying to decide between them and others (but don’t tell them which of their competitors you’re considering; keep that to yourself.) Then, watch as they try to offer you the best benefits possible for your investment dollars.
By forcing them to “woo” you, it’s likely that you’ll get the best possible deal and won’t be left wondering “what if” after you sign the bottom line.