Buying Term Life Insurance-Cholesterol Drama

I currently have life insurance through my job as a Federal employee, but my current rate of $75 bi-weekly is going to go to $105 bi-weekly when I turn 50 in a few weeks.  It is much cheaper to get a comparable amount of term insurance through a private company.  I checked around and am able to get more insurance for $125 a month--better than the $227 a month the new rate will cost.  That low rate will stay the same for 20 years.  It is a huge savings over the Government insurance--more than $1,200.

The only problem is that I have to have a nurse come to the house and do a mini-physical, which includes taking blood for a cholesterol check.  I just had my cholesterol checked several months ago and it was not great.  Since then, I have been eating crazy amounts of salmon, oatmeal infused with flaxseed, and other foods designed to increase my HDL cholesterol.  However, it has only been a few months, so how much can it have changed by now?  I guess I'll find out.  My new insurance rate depends on it.