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 insurance medical exam tomorrow. But with these tips, she might have a decent likelihood.

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

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

Abstain from salty, high-fat foods, especially during the period of your medical exam.

Tip 2: put out the smokes. Statisticians state you can expect to live about seven years less if you smoke cigarettes regularly.

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

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

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

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

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

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

Tip 4: get in good health. High cholesterol and high blood pressure are treatable health conditions that prevent low term life insurance rates. If doable, care for these conditions before your exam.

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

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

Follow these suggestions, and you can expect to receive a low term insurance rate at a top website.

If you use an online quote calculator with over a hundred blue-chip 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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