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 life medical exam this week. But with these tips, she might have a decent opportunity.

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

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

Abstain from salty, high-fat foods, especially during the time of your medical examination.

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

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

For tobacco users, that means high term life insurance rates.

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

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

Certain hobbies, such as skydiving, mountain climbing or twister chasing are considered dangerous. Consequently, they are too chancy for companies to insure at low rates. Or too risky to insure at all.

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

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

And never eat high-cholesterol foods during the week of your exam.

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. Deal with it before your medical exam.

Follow these hints, and you can expect to get 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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