Underwriting – Medications

Saxenda and Life Insurance: IUL & GUL Options in 2026

Saxenda and Life Insurance: IUL & GUL Options in 2026 Bottom Line. Saxenda users can absolutely qualify for indexed universal life (IUL) and guaranteed universal life (GUL) coverage. Underwriters generally view this GLP-1 medication favorably, especially when used for weight management without a diabetes diagnosis. The right carrier match makes all the difference in your…
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Fat Burners and Life Insurance: IUL & GUL Options in 2026

Fat Burners and Life Insurance: IUL & GUL Options in 2026 Bottom Line. Fat burners and similar supplements typically have zero impact on your life insurance application. Whether you are exploring an Indexed Universal Life (IUL) or Guaranteed Universal Life (GUL) policy, most carriers do not treat over the counter fat burners as medications at…
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Creatine and IUL Life Insurance: What to Know in 2026

Creatine and IUL Life Insurance: What to Know in 2026 Bottom Line. Creatine and IUL (indexed universal life) insurance is a pairing that causes far less friction than most people expect. Creatine is not a medication, and underwriters at virtually every carrier treat it that way. Your supplement habit should not stand between you and…
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Multivitamins and IUL Life Insurance: What to Know in 2026

Multivitamins and IUL Life Insurance: What to Know in 2026 Bottom Line. Multivitamins and IUL underwriting rarely intersect in any meaningful way. Most carriers do not consider daily vitamins, fish oil, or standard supplements to be medications at all. If you take a multivitamin and want indexed universal life coverage, your supplement routine is almost…
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Iron Supplements and Life Insurance: IUL & GUL Options in 2026

Iron Supplements and Life Insurance: IUL & GUL Options in 2026 Bottom Line. Iron supplements generally have zero impact on life insurance underwriting, including indexed universal life (IUL) and guaranteed universal life (GUL) policies. Most carriers treat iron supplements the same as any other over the counter vitamin. You typically do not even need to…
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B12 Injections and Life Insurance: IUL & GUL Options in 2026

B12 Injections and Life Insurance: IUL & GUL Options in 2026 Bottom Line. B12 injections used for general health and wellness almost never affect your life insurance application. Whether you are applying for an Indexed Universal Life (IUL) or Guaranteed Universal Life (GUL) policy, most carriers treat B12 therapy the same as any other vitamin…
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Supplements and IUL Life Insurance: What to Know in 2026

Supplements and IUL Life Insurance: What to Know in 2026 Bottom Line. Supplements like vitamins, fish oil, and protein powder almost never affect your ability to get indexed universal life (IUL) insurance. Underwriters do not treat over the counter supplements as medications, so your rates and eligibility should remain unaffected in the vast majority of…
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Cetirizine and IUL Life Insurance in 2026

Cetirizine and IUL Life Insurance in 2026 Bottom Line. Cetirizine, a common over the counter antihistamine, will almost never affect your ability to get an Indexed Universal Life (IUL) policy. Underwriters treat it like any other OTC allergy medication, and most carriers won’t even consider it a factor in your application or your rates. You…
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Phenergan and Life Insurance in 2026: IUL & GUL Options

Phenergan and Life Insurance in 2026: IUL & GUL Options Bottom Line. Phenergan (promethazine) rarely prevents you from getting life insurance, including indexed universal life (IUL) or guaranteed universal life (GUL) policies. Underwriters focus more on the condition being treated than the medication itself. An independent agent can match you with the most favorable carrier.…
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Baclofen and Life Insurance in 2026: IUL & GUL Options Explained

Baclofen and Life Insurance in 2026: IUL & GUL Options Explained Bottom Line. If you take Baclofen and want indexed universal life (IUL) or guaranteed universal life (GUL) coverage, approval is absolutely possible. Underwriters focus more on the condition Baclofen treats than the medication itself. An independent agent who shops many carriers can match you…
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