Which action is not included in negotiation of an insurance contract?

In the context of negotiating an insurance contract, signing the policy is not considered part of the negotiation process. Negotiation typically involves discussions and considerations that lead up to the finalization of the contract. This includes important interactions such as discussing coverage options, giving recommendations based on the client's needs and the insurance company's offerings, and providing premium estimates to inform the client of the potential costs associated with coverage.

Once these negotiations have reached a satisfactory conclusion for both parties and terms are agreed upon, the final step is to sign the policy. Signing signifies acceptance of the terms but does not contribute to the negotiation phase itself. Thus, it is accurately identified as an action that falls outside the negotiation process.