Gabourey Sidibe may have won the Academy Award for her great performance. 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 good opportunity.

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

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

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

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

Because insurance rates are calculated on the insurer's exposure, the shorter your life expectancy for your age and gender, the higher your term life insurance policy premiums will be.

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

Tip 3: Don't raise pet snakes. Dangerous hobbies repel away insurance firms.

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

Certain hobbies, such as skydiving, mountain climbing or twister chasing are considered fraught with danger. 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 race car driving, which usually disqualify you from a low term life insurance rate. Unfortunately, it's usually not practical to change 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 possible, treat these conditions before your exam.

And never consume 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 restrict you from getting a low term life insurance rate. Deal with it before your medical exam.

Follow these hints, 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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