I hope you are a picture of health, but if you aren't let's pretend so for a moment.
You need a way to signal your belief. Signaling that is costly to the signaler is the most valuable way to communicate your belief. Perhaps one way is to buy a policy that does not go inforce for X years (maybe X is 3). The carrier should interpret this favorably and lower your premiums considerably. Since you still need coverage in the short-term, you decide to buy a regularly-priced policy for that interim
period. But after X years, you are paying a low amount and your carrier is content with the arrangement. Any other creative signaling ideas?