If you have a dangerous hobby, such as base jumping, rock climbing, sky diving, or driving in Taiwan, you may find it hard to find an affordable term life insurance quote that doesn’t punish you for what you like doing or where you live!
Alternatively, start socking away the extra money you don’t spend on your hobbies: buying ETFs, Dividend stocks, and very easy laddered CDs. You don’t need to do much to put your finances in order, but you do need to be persistent.