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 life insurance physical tomorrow. But with these tricks, she might have a decent chance.

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

If your BMI is too raised, the insurer can and will bump your rate for two reasons. 1) Obesity is correlated to coronary diseases. And 2) corpulence is linked to type II diabetes.

Abstain from salty, too fatty foods, especially during the week of your medical exam.

Tip 2: put out the cigars and cigarettes. Statisticians assert you can hope to live about seven years less if you smoke cigarettes habitually.

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

For cigarette smokers, that equals high term life insurance rates.

Tip 3: Don't raise pet alligators. Dangerous hobbies turn off away insurance companies.

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

Certain hobbies, for instance parachuting, mountain climbing or twister spotting are considered dangerous. Thus, they are too risky 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 exclude you from a low term life insurance rate. Unfortunately, it's usually not realistic to change occupations for a lower rate.

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

And under no circumstances eat high-cholesterol foods during the week of your exam.

Tip 5: get happy. Mood depression (not clinical depression) is a treatable mental health condition that might prevent you from getting a low term life insurance rate. Manage it before your medical examination.

Follow these suggestions, and you may expect to get a low term insurance rate at a top 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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