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

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

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

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

Tip 2: put out the smokes. Actuaries say you can hope to live about seven years less if you smoke regularly.

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

For smokers, that means high term life insurance rates.

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

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

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

Same for hazardous jobs, such as roofing or race car driving, which usually disqualify you from a low term life insurance rate. Unfortunately, it's usually not realistic to switch 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 possible, treat these conditions prior to your physical.

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 could restrict you from getting a low term life insurance rate. Deal with it before your medical examination.

Follow these tips, 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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