Heart Bypass and IUL Insurance: Your 2026 Guide to Real Options

Heart Bypass and IUL Insurance: Your 2026 Guide to Real Options Bottom Line. Heart bypass surgery does affect your IUL and GUL life insurance rates, but coverage is absolutely available in 2026. Most applicants who are two or more years post surgery with stable health can qualify, often at a table rating that costs less…
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Heart Block IUL and GUL Options: Finding Coverage in 2026

Heart Block IUL and GUL Options: Finding Coverage in 2026 Bottom Line. Heart block does affect your life insurance options, but indexed universal life (IUL) and guaranteed universal life (GUL) coverage remain available for most people with this diagnosis. Working with an independent agency that shops many carriers can mean the difference between an affordable…
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Hashimoto’s Thyroiditis IUL and GUL Options in 2026

Hashimoto’s Thyroiditis IUL and GUL Options in 2026 Bottom Line. Hashimoto’s thyroiditis does not disqualify you from indexed universal life or guaranteed universal life insurance. Most applicants with controlled Hashimoto’s receive approval at standard or mildly rated terms, and an independent agency that shops many carriers can find you the most favorable pricing available in…
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HLA-B27 Positive IUL and GUL Options: What to Know in 2026

HLA-B27 Positive IUL and GUL Options: What to Know in 2026 Bottom Line. If you are HLA-B27 positive and shopping for indexed universal life or guaranteed universal life insurance, approval is very possible. Most carriers will offer coverage, though your rate class depends heavily on how your condition presents and which insurer reviews your file.…
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H. pylori and IUL Coverage: Your 2026 Guide to Getting Approved

H. pylori and IUL Coverage: Your 2026 Guide to Getting Approved Bottom Line. If you have H. pylori and want an indexed universal life (IUL) policy, approval is very likely. Most carriers view a treated or stable H. pylori infection favorably, and your final rate class depends more on your overall health profile than the…
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Gum Disease and IUL Insurance: Your 2026 Guide to Getting Covered

Gum Disease and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line. Gum disease and indexed universal life (IUL) insurance can absolutely coexist. Most applicants with periodontal issues qualify for coverage, though many receive a table rating that increases premiums. The right preparation and an independent agency comparison can save you thousands over the…
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Graves’ Disease and IUL Insurance: Your 2026 Guide to Getting Covered

Graves’ Disease and IUL Insurance: Your 2026 Guide to Getting Covered Bottom Line. If you have Graves’ disease and want indexed universal life insurance, you can absolutely get covered. Most applicants with controlled or treated Graves’ disease qualify at a table rating, meaning higher premiums but real, meaningful permanent coverage that builds cash value over…
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Granulomatosis with Polyangiitis Life Insurance: IUL & GUL Options in 2026

Granulomatosis with Polyangiitis Life Insurance: IUL & GUL Options in 2026 Bottom Line. Granulomatosis with polyangiitis does affect life insurance underwriting, but coverage through indexed universal life (IUL) and guaranteed universal life (GUL) policies is available in 2026. Expect a table rating in most cases. The right carrier match and proper documentation can significantly reduce…
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Goodpasture Syndrome IUL and GUL Options in 2026

Goodpasture Syndrome IUL and GUL Options in 2026 Bottom Line. Goodpasture syndrome does affect your life insurance options, including indexed universal life (IUL) and guaranteed universal life (GUL) policies. Most people with this condition can still get approved, though often at a higher rate. Working with an independent agency that shops many carriers is the…
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Gluten Intolerance and IUL Coverage: Your 2026 Guide

Gluten Intolerance and IUL Coverage: Your 2026 Guide Bottom Line. Gluten intolerance and indexed universal life insurance can absolutely go together. Most applicants with well managed celiac disease or gluten sensitivity qualify for IUL and GUL policies, often at standard or near standard rates, especially when working with an independent agency that shops multiple carriers.…
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