Perforated Eardrum and IUL Coverage in 2026

Perforated Eardrum and IUL Coverage in 2026 Bottom Line. A perforated eardrum does not disqualify you from indexed universal life insurance. Most applicants with a healed or stable perforation qualify at slightly elevated rates, and working with an independent agency that shops many carriers can mean hundreds saved annually on your premium. A Perforated Eardrum…
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Peptic Ulcer IUL and GUL Options: Your 2026 Guide

Peptic Ulcer IUL and GUL Options: Your 2026 Guide Bottom Line. If you have a peptic ulcer and want indexed universal life or guaranteed universal life insurance, approval is very likely. Most applicants with a well managed peptic ulcer qualify at standard or mildly rated pricing, especially when an independent agency shops multiple carriers on…
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Pemphigus and IUL Insurance: Your 2026 Guide to Getting Covered

Pemphigus and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line. If you have pemphigus and are exploring indexed universal life (IUL) insurance, approval is possible but you will likely face a table rating. The severity of your condition, your current treatment plan, and which carrier reviews your application all influence the final cost.…
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Pelvic Inflammatory Disease and IUL Coverage in 2026

Pelvic Inflammatory Disease and IUL Coverage in 2026 Bottom Line. Pelvic inflammatory disease (PID) can affect your indexed universal life insurance rates, but approval is absolutely within reach. Most applicants with a resolved or well managed case of PID qualify for coverage, often at a table rating that adds a manageable amount to monthly premiums.…
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Pectus Excavatum and IUL Coverage: Your 2026 Guide

Pectus Excavatum and IUL Coverage: Your 2026 Guide Bottom Line. Pectus excavatum and indexed universal life insurance can work together. Most people with this chest wall condition qualify for IUL or GUL coverage, though a table rating is common. The right carrier match and proper documentation can save you thousands over the life of your…
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Pectus Carinatum and IUL Coverage: Your 2026 Guide

Pectus Carinatum and IUL Coverage: Your 2026 Guide Bottom Line. Pectus carinatum and IUL eligibility depend largely on whether the chest wall condition affects your breathing or heart function. Most applicants with pectus carinatum can get indexed universal life insurance, though some will face a table rating. The right carrier match makes all the difference…
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Patent Foramen Ovale and IUL Insurance: Your 2026 Guide

Patent Foramen Ovale and IUL Insurance: Your 2026 Guide Bottom Line. A patent foramen ovale (PFO) diagnosis will likely affect your indexed universal life insurance rates, but coverage is absolutely available through the right carrier. With proper documentation and an independent agency comparing offers, you can secure permanent protection at a reasonable cost. How a…
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Patent Ductus Arteriosus and IUL Coverage in 2026

Patent Ductus Arteriosus and IUL Coverage in 2026 Bottom Line. Patent ductus arteriosus (PDA) will likely affect your indexed universal life insurance rates, but approval is absolutely within reach. Most applicants with a repaired PDA and stable cardiac function qualify for coverage, often at a table rating that adds a manageable amount to monthly premiums.…
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Past Cancer Diagnosis IUL and GUL Options in 2026

Past Cancer Diagnosis IUL and GUL Options in 2026 Bottom Line. A past cancer diagnosis does not automatically disqualify you from indexed universal life (IUL) or guaranteed universal life (GUL) coverage. Approval depends on your cancer type, stage, time in remission, and treatment history. An independent agency can shop carriers to find the most favorable…
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Partial Seizures and Life Insurance in 2026: IUL & GUL Options

Partial Seizures and Life Insurance in 2026: IUL & GUL Options Bottom Line. If you have partial seizures and want life insurance, you can absolutely get approved. Most applicants with a controlled seizure disorder qualify for indexed universal life (IUL) or guaranteed universal life (GUL) policies, though a table rating is likely. The right carrier…
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