Gabourey Sidibe may have gotten 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 today. But with these tips, she might have a better chance.

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

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

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

Tip 2: throw away the smokes. Statisticians say you can expect to live about seven years less if you smoke regularly.

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

For smokers, that means high term life insurance rates.

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

Your rate and fitness for term life insurance will depend on your chances of cashing in on the policy during its term.

Certain hobbies, such as skydiving, mountain climbing or tornado chasing are considered hazardous. Thus, they are too chancy for companies to cover at low rates. Or too risky to insure at all.

Same for hazardous 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 switch jobs for a better rate.

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

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

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

Follow these tips, and you can hope to get a low term insurance rate at a topmost quote site on the 'Net.

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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