Medical conditions may affect the price of life insurance substantially. If the medical conditions are managed with proper medication, the premiums may not be too high.

However, by comparing plans and prices for term life insurance from multiple carriers online, your friend may be able to save some money on their life insurance policy.

Term life insurance usually offers the lowest premiums, and by choosing to pay once per year, instead of monthly, your friend may save even more money.

For example, a friend of mine is looking into insurance but has diabetes; will it make the cost significantly higher? And do different companies look at the various medical conditions differently, or are they all the same? Thanks ahead of time for your help.