Many people recognize the importance of getting life insurance but wonder if they can afford it. This vital type of insurance can give you peace of mind knowing if something happens to you, the family you leave behind will be provided for. If you don't have a lot of extra money for this kind of insurance, don’t worry; Zimmerman Insurance Agency in High Point, NC, is here to help.

Here are some ways you can get the best term life insurance rates:

• Be in Good Health: The healthier you are, the lower your life insurance rate will be. If you smoke, have high cholesterol, and you are overweight, make some changes before applying for life insurance. In particular, quitting smoking will help lower your rate.
• Be a Safe Driver: Even your driving record can influence how much you pay for term life insurance. If you have a bad habit of getting speeding tickets or moving violations or you were cited for causing an accident, it can increase how much you pay.
• Have Safe Hobbies: If you are a thrill seeker who loves to jump out of planes or go bungee jumping, this can also affect your term life insurance rate. If you want to lower your rate, you may have to find some safer hobbies.
• Shop Around to Compare Quotes: It’s always a good idea to comparison shop when you’re looking for the best price, and buying insurance is no different. When you compare quotes, check that the terms of the insurance policy are exactly the same so you are making a fair comparison.

If you're looking for term life insurance, a broker can help you find a policy that best suits your needs. To learn more about the right policy for you, call Zimmerman Insurance Agency in High Point at (336) 883-6512 or see their website for additional information.