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Gabourey Sidibe may have won the Academy Award for her inspired acting. But Precious or not, she couldn't get low term insurance quote.

At least not if she had her term insurance medical exam today. But with these tips, she might have a better opportunity.

Tip One: prudent diet and easy exercise until your BMI (Body Mass Index) is in tune with the normal weight for someone of your age, height and gender.

If your BMI is too high, the insurance company can and will raise your price for two reasons. 1) Obesity is linked to coronary diseases. And 2) corpulence is linked to type 2 diabetes.

Avoid salty, high-fat foods, particularly during the time of your medical examination.

Tip 2: put out the cigars and cigarettes. Statisticians state you can expect to live about seven years less if you smoke regularly.

Inasmuch as insurance rates are computed on the insurer's exposure, the shorter your life expectancy for your age and gender, the larger your term insurance policy premiums will be.

For smokers, that means high term life insurance rates.

Tip 3: Don't raise pet crocodiles. Dangerous hobbies repel away insurance providers.

Your rate and acceptability for term life insurance depends on your chances of cashing in on the policy during its term.

Certain hobbies, like skydiving, mountain climbing or tornado chasing are considered hazardous. So, they are too chancy for companies to underwrite at low rates. Or too risky to insure at all.

Same for dangerous jobs, such as roofing or dragster driving, which usually preclude you from a low term life insurance rate. Unfortunately, it's usually not practical to switch jobs for a better rate.

Tip 4: get in good health. High cholesterol and high blood pressure are manageable health conditions that stand in the way of low term life insurance rates. If doable, care for these conditions before your physical.

And never dine on high-cholesterol foods during the week of your examination.

Tip 5: lighten up. Mood depression (not clinical depression) is a treatable mental health condition that might prevent you from getting a low term life insurance rate. Handle it before your medical exam.

Follow these tips, and you can hope to receive a low term insurance rate at a topmost website.

If you use an online quote calculator with over a hundred AAA policy providers, like the Life Insurance Quote Michigan quote calculator, you will also get a low term insurance quote and a guaranteed policy.

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