If your main goal is to find a great but cheap life insurance, then you will definitely want to say no to irrelevant policy riders or any optional add-on when negotiating for a cheap life insurance. Examples of life insurance riders include child policies or more insurance without going through the medical exam process. However, it is vital that you choose your coverage wisely. If you need one of the optional riders, then it is okay to pay for the extra coverage but avoid the ones that are not applicable in your case.
