Protein in Urine and IUL Insurance: What to Expect in 2026

Protein in Urine and IUL Insurance: What to Expect in 2026 Bottom Line. Protein in urine (proteinuria) does affect your indexed universal life insurance rates, but coverage is absolutely available. Most applicants with proteinuria get approved at a table rating, and shopping across multiple carriers can save you hundreds of dollars a year on premiums.…
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Prosthetic Valve Life Insurance in 2026: IUL and GUL Options

Prosthetic Valve Life Insurance in 2026: IUL and GUL Options Bottom Line. If you have a prosthetic valve and want indexed universal life or guaranteed universal life insurance, approval is very possible in 2026. Most applicants receive a table rating rather than a decline, and working with an independent agency that shops multiple carriers can…
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Prostatectomy and IUL Coverage: Your 2026 Guide to Indexed Universal Life

Prostatectomy and IUL Coverage: Your 2026 Guide to Indexed Universal Life Bottom Line. If you have had a prostatectomy and are exploring indexed universal life (IUL) insurance, approval is very achievable. Most carriers will offer coverage, though your rate class depends on recovery status, pathology results, and how much time has passed since surgery. An…
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Primary Sclerosing Cholangitis and IUL Coverage in 2026

Primary Sclerosing Cholangitis and IUL Coverage in 2026 Bottom Line. Primary sclerosing cholangitis does affect your life insurance options, but IUL and GUL policies remain available for many people living with PSC. Rates will likely be higher than standard, yet an independent agency that shops multiple carriers can often find significantly better pricing than you…
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Primary Immunodeficiency Life Insurance (IUL & GUL) in 2026

Primary Immunodeficiency Life Insurance (IUL & GUL) in 2026 Bottom Line. Primary immunodeficiency does affect your life insurance options, but coverage through indexed universal life (IUL) and guaranteed universal life (GUL) policies is absolutely available. Expect a table rating in most cases. Working with an independent agency that shops many carriers can save you thousands…
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Primary Hyperparathyroidism Life Insurance (IUL & GUL) in 2026

Primary Hyperparathyroidism Life Insurance (IUL & GUL) in 2026 Bottom Line. Primary hyperparathyroidism will affect your life insurance rates for both Indexed Universal Life (IUL) and Guaranteed Universal Life (GUL) policies. Most applicants with this condition do qualify for coverage, though typically at a table rating. The right carrier match and proper documentation can mean…
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Primary Biliary Cholangitis Life Insurance (IUL & GUL) in 2026

Primary Biliary Cholangitis Life Insurance (IUL & GUL) in 2026 Bottom Line. Primary biliary cholangitis does affect life insurance underwriting, but coverage through indexed universal life (IUL) and guaranteed universal life (GUL) policies remains available. Expect a table rating in most cases. Working with an independent agency that shops many carriers can mean the difference…
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Prediabetes IUL and GUL Options: Your 2026 Guide

Prediabetes IUL and GUL Options: Your 2026 Guide Bottom Line. Prediabetes and indexed universal life insurance can absolutely go together. Most carriers will approve applicants with prediabetic A1C levels, often at standard or near standard rates, especially when you show stable glucose control and no progression toward Type 2 diabetes. Guaranteed universal life is also…
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POTS and Life Insurance: IUL & GUL Options in 2026

POTS and Life Insurance: IUL & GUL Options in 2026 Bottom Line. Postural orthostatic tachycardia syndrome (POTS) does affect life insurance underwriting, but coverage through indexed universal life (IUL) and guaranteed universal life (GUL) policies remains available in 2026. You may pay a higher rate, and working with an independent agency that shops many carriers…
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Post-Traumatic Stress Disorder IUL Options: Coverage That Builds Value in 2026

Post-Traumatic Stress Disorder IUL Options: Coverage That Builds Value in 2026 Bottom Line. Post-traumatic stress disorder and indexed universal life insurance can absolutely go together. Most applicants with well managed PTSD qualify for IUL or GUL policies, though ratings vary by carrier. An independent agency comparing multiple carriers often finds significantly better pricing for the…
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