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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 this week. But with these hints, she might have a decent chance.

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

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

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

Tip 2: throw away the smokes. Actuaries say you can hope to live about seven years less if you puff on cigarettes frequently.

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

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

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

Your rate and fitness 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 twister spotting are considered dangerous. Consequently, they are too risky for companies to cover 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 change occupations for a lower rate.

Tip 4: get healthy. High cholesterol and high blood pressure are treatable health problems that prevent low term life insurance rates. If possible, treat 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 fixable mental health condition that could restrict you from getting a low term life insurance rate. Deal with it before your medical examination.

Follow these hints, and you may expect to get a low term insurance rate at a top quote site on the 'Net.

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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