Excessive visceral fat is related to insulin resistance, so it's a sign there's a disease process going on.

Yes, of course everyone will have visceral fat. Having more of it is associated with diabetes, heart disease, etc. People with lots of subcutaneous fat but relatively little visceral often have better health outcomes, even though they also can look pretty flabby.

As far as I understand it, the kind of (excessive) fat you put on in the gut region is more dangerous than the kind that is under your skin and distributed over your body, as it is linked to diabetes and other diseases.

Yes it is