Unstable Angina and IUL Coverage: Your 2026 Guide to Getting Approved

Unstable Angina and IUL Coverage: Your 2026 Guide to Getting Approved Bottom Line. If you have unstable angina and want an Indexed Universal Life (IUL) policy, approval is very possible, though you should expect a table rating that increases your premium. The good news is that working with an independent agency and preparing the right…
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Undifferentiated Connective Tissue Disease Life Insurance in 2026: IUL & GUL Options

Undifferentiated Connective Tissue Disease Life Insurance in 2026: IUL & GUL Options Bottom Line. If you have undifferentiated connective tissue disease and want permanent life insurance, both indexed universal life (IUL) and guaranteed universal life (GUL) policies are available. You will likely pay a higher rate, but an independent agency that shops many carriers can…
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Uncontrolled Blood Pressure and IUL Coverage in 2026

Uncontrolled Blood Pressure and IUL Coverage in 2026 Bottom Line. Uncontrolled blood pressure does affect your eligibility for indexed universal life insurance, but it rarely disqualifies you entirely. Most applicants with elevated readings can still secure IUL or GUL coverage, though often at a higher table rating. Shopping through an independent agency is the single…
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Ulcerative Colitis IUL and GUL Options: Your 2026 Guide

Ulcerative Colitis IUL and GUL Options: Your 2026 Guide Bottom Line. Ulcerative colitis does affect your indexed universal life (IUL) and guaranteed universal life (GUL) pricing, but coverage is absolutely available. Most applicants with controlled UC qualify at a table rating, and working with an independent agency that shops many carriers can save you thousands…
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Type 2 Diabetes IUL and GUL Options in 2026

Type 2 Diabetes IUL and GUL Options in 2026 Bottom Line. Type 2 diabetes and IUL (indexed universal life) coverage can absolutely work together. Most applicants with well managed Type 2 diabetes qualify for permanent life insurance, though at a table rated premium. The right carrier match and current A1C results make the biggest difference…
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Type 1 Diabetes IUL and GUL Options in 2026

Type 1 Diabetes IUL and GUL Options in 2026 Bottom Line. Type 1 diabetes and IUL or GUL coverage can absolutely go together. Most applicants with well managed Type 1 diabetes will qualify for indexed universal life or guaranteed universal life policies, though table ratings are common. Shopping across multiple carriers is the single best…
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Turner Syndrome IUL and GUL Options: Life Insurance in 2026

Turner Syndrome IUL and GUL Options: Life Insurance in 2026 Bottom Line. Turner syndrome and IUL or GUL life insurance can absolutely go together. Most women with this condition qualify for indexed or guaranteed universal life coverage, though table ratings are common. An independent agency that shops many carriers can often find significantly lower premiums…
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Tumor and IUL Coverage: What to Know in 2026

Tumor and IUL Coverage: What to Know in 2026 Bottom Line. If you have a tumor history and want an Indexed Universal Life (IUL) policy, approval is very possible. Underwriters focus on the type of tumor, treatment timeline, and current health status. An independent agency can compare carriers to find you the most favorable rating…
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Tuberous Sclerosis Life Insurance (IUL & GUL) in 2026

Tuberous Sclerosis Life Insurance (IUL & GUL) in 2026 Bottom Line. If you have tuberous sclerosis and need life insurance, permanent coverage through an indexed universal life (IUL) or guaranteed universal life (GUL) policy is likely available. You may pay a higher rate, but an independent agency that shops many carriers can find significantly better…
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Tuberculosis and IUL Insurance: Your 2026 Guide to Getting Covered

Tuberculosis and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line. If you have a history of tuberculosis and want an indexed universal life (IUL) policy, approval is very possible once treatment is complete and documented. Rates depend on how long ago you were treated, your current chest X ray results, and whether you…
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