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Encephalitis and IUL Coverage: Your 2026 Guide to Getting Approved Bottom Line. Encephalitis does affect your life insurance options, including indexed universal life (IUL) policies, but coverage is absolutely available in 2026. You will likely pay a higher rate, and…

Ectopic Kidney and Life Insurance: IUL & GUL Options in 2026 Bottom Line. If you have an ectopic kidney and are shopping for indexed universal life (IUL) or guaranteed universal life (GUL) coverage, approval is very likely. Most carriers view…

Eating Disorder Life Insurance in 2026: IUL and GUL Options Bottom Line. If you have an eating disorder and want indexed universal life (IUL) or guaranteed universal life (GUL) coverage, approval is very possible. Most applicants with a stable recovery…

Dupuytren’s Contracture and IUL: Your 2026 Guide to Coverage Bottom Line. If you have Dupuytren’s contracture and want an indexed universal life (IUL) policy, approval is very much within reach. Most applicants with this condition do get covered, though you…

Double Outlet Right Ventricle Life Insurance in 2026: IUL & GUL Options Bottom Line. Double outlet right ventricle (DORV) will affect your life insurance rates, but coverage is absolutely available through both indexed universal life (IUL) and guaranteed universal life…

Diverticulosis and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line. Diverticulosis and indexed universal life insurance can absolutely go together. Most people with this common digestive condition qualify for IUL or GUL coverage, though some may face a…

Diverticulitis and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line IUL coverage may be possible after diverticulitis, with a single resolved episode viewed more favorably than recurrent flares. Time since your last episode, complications and current stability determine…

Depression and IUL Insurance: Your 2026 Guide to Approval Bottom Line. When permanent cash-value coverage is part of your decision, our IUL company selection guide pairs your table-rating costs with each carrier’s 2025 product lineup. Depression and indexed universal life…

Delusional Disorder Life Insurance (IUL & GUL) in 2026 Bottom Line. If you have a delusional disorder and want indexed universal life (IUL) or guaranteed universal life (GUL) coverage, approval is possible. You will likely face a table rating, meaning…

Defibrillator and Life Insurance: IUL & GUL Options in 2026 Bottom Line. Getting life insurance with a defibrillator (ICD) implant is possible in 2026, though you should expect a higher rate. The right carrier match and proper documentation can mean…