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Addison’s Disease Life Insurance – Complete Guide 2024

Life insurance, critical illness cover, and income protection policies are specifically designed to protect you and your family against the unexpected. We can’t predict the future but we can protect ourselves against things that could happen so you don’t need to worry about your finances.

It’s important to understand what life cover can do for you if you are diagnosed with Addison’s disease or if you already have the condition.

According to NHS England, roughly 8,400 people in the UK have been diagnosed with Addison’s disease. It can happen to people at any age, however, it is most common in people between the ages of 30 and 50.

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60-Second Summary – Addison’s Disease Life Insurance Guide 2024

Life insurance with Addison’s Disease is often available through most of our standard insurance partners as well as some specialist insurers for people with more severe symptoms. You should ideally get advice from an Addison’s Disease life insurance specialist who is used to dealing with this condition and other pre-existing medical conditions.

  • Addison’s disease life insurance premiums can vary dramatically from one insurer to another, so it’s very important to get proper advice from a medical insurance specialist.
  • Outstanding investigations for Addison’s disease will often mean that your application will be postponed until results have been received.
  • Most applications for Addison’s disease life insurance will require a medical report from your GP to confirm your symptoms, treatment, and any relevant dates.
  • People with Addison’s disease will often pay more for life insurance than a standard application for someone with no pre-existing medical conditions, however there will be no exclusions so you will be fully covered.

Will life insurance payout for Addison’s disease?

YES – if you die from Addison’s disease and you have life cover in place already then your family will receive a lump sum cash benefit. This is the most common question that people ask about life insurance and generally, around 98% of claims are paid which is one of the highest of all insurance policies.

If you are diagnosed with Addison’s disease and you later pass away then life insurance can provide financial security to your loved ones for a number of things, including:

  • Mortgages (clear an existing mortgage balance)
  • Debts (pay off outstanding debts)
  • Cost of living
  • School fees
  • Business expenses

When taking out life insurance, we don’t generally think too much about what might happen so if you are diagnosed with Addison’s disease in the future then a policy can be life-changing.

Addison’s disease is not always considered to be life-threatening but it is possible that it can cause complications that might be fatal.

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Can I claim on critical illness cover for Addison’s disease?

There are policies that will pay out if you are diagnosed with Addison’s disease in some circumstances. Every insurer will cover different medical conditions and the amount of conditions covered can vary massively. It is best to check the terms and conditions of your policy so you know where you stand and what you can claim for.

There are 36 main conditions covered in most critical illness cover policies.

Life insurance with Addison’s Disease

Addison’s disease is a disorder that occurs when your body produces insufficient amounts of hormones produced by your adrenal glands. The adrenal glands produce too little cortisol, and often insufficient levels of aldosterone as well.

Treatment for Addison’s disease involves taking hormones to replace the insufficient amounts being produced by the adrenal glands, and other symptoms include fatigue, weight loss, decreased appetite, hyperpigmentation of the skin, low blood sugar, joint pain, and depression.

How much does life insurance cost with Addison’s Disease?

Generally, where there is a history of Addison’s Disease and you are applying for a new life insurance policy, there may be several additional underwriting requirements to assess your application such as:

  • The age you were first diagnosed
  • Medications you may be taking
  • Date of the last attack
  • Treatments being undertaken
  • Current symptoms and their severity
  • Family history
  • Related conditions

Your premiums for Addison’s Disease life insurance will also depend on:

What if I’ve been declined life insurance because of Addison’s disease?

If you’ve been diagnosed with this condition and have already applied for life insurance, it is likely that you may have been declined. This isn’t a big problem because life insurance companies aren’t particularly concerned about whether another company has refused cover in the past.

There are a few reasons why you might have been turned down in the past but don’t worry, we can help. Here are some of the main reasons why people are declined for life insurance with Addison’s disease:

  • Wrong time: you might have been diagnosed recently or you could have been going through a difficult period in terms of your medication or control
  • Surgery/treatment: it is likely that if you were awaiting treatment or results of tests, then you would be postponed or even declined cover
  • Wrong provider: some insurance providers are simply not great for some conditions, and especially some more complicated medical issues

Exclusions for Addison’s Disease life insurance, critical illness cover, or income protection

Another potential outcome when applying for a non-standard cover such as Addison’s Disease life insurance, critical illness cover, or income protection, is for an ‘exclusion’ to be applied to your policy.

How much cover do I need?

It is difficult to say how much cover you need when you are applying for Addison’s Disease life insurance, critical illness cover, or income protection policy. There are however some simple rules that you can follow which will give you a good idea of how much coverage you need before you apply.

Addison’s Disease life insurance amounts of cover

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and others)
  • Dependants
  • Spouse or partner
  • Income (after tax)
  • Assets (e.g. car, house, business, etc.)

It is common practice for underwriters to ask for you to disclose additional information about your condition in order for them to make a decision and process your application. For Addison’s Disease life insurance, the levels of cover available and any loadings applied to your premium will depend on several key factors:

  • How well your condition is controlled
  • Medications are taken and frequency
  • Date and details of your last attack
  • Any history of Adrenal Crisis

Critical illness cover is slightly different from life insurance in the sense that it is designed to provide a lump sum payment if you are diagnosed with a critical or serious illness. Most people relate this type of cover to Cancer, which is the biggest reason for claims for critical illness cover. Things to consider are:

  • Income (after tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

Often, Addison’s Disease critical illness cover is accepted based on standard rates with no special terms added. If Addison’s Disease has been well controlled and there have been no recent issues with your condition, you should be accepted for critical illness cover.

As with life insurance for Addison’s Disease, insurance underwriters will often want to see medical records to assess the levels of risk for your critical illness cover application. There may be some policy exclusions for critical illness cover.

If you have experienced recent issues of adrenal crisis, then there is a strong possibility that Addison’s Disease critical illness cover could be postponed or denied. The period it is postponed will depend on the severity of the recent problems and any hospitalisation that may have occurred.

Addison’s Disease income protection amounts of cover

Income protection is a very flexible product with a lot of options and variables, so you need to consider your own circumstances before you consider this type of policy.

If you work, and especially for people who are self-employed, an Addison’s Disease income protection policy can be a valuable product to give you peace of mind if anything happens to you. Some of the main aspects to consider are:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

Income protection for Addison’s Disease can be strict in terms of underwriting due to the additional risks of claims on an income protection policy.

Most underwriters will want access to a GP report or medical records. If your Addison’s Disease is well controlled, income protection can be offered, but there may be a slight increase (or loading) to your premiums due to the additional risk. If you have had an Adrenal Crisis or hospitalisation, then cover may be declined.

Frequently asked questions about Addison’s disease

What is Addison’s disease?Addison’s disease is a rare disorder of the adrenal glands. It is also known as hypoadrenalism or primary adrenal insufficiency.

Addison’s disease is normally the result of issues with your immune system.
What symptoms does Addison’s disease cause?Symptoms of Addison’s disease include:

Muscle weakness
Low mood
Unexplained weight loss
Being more thirsty than usual
Can you suddenly get Addison’s disease?Symptoms of Addison’s disease can develop very suddenly. You should always speak to your GP if you suspect you might have Addison’s disease.
Can you get life insurance with Addison’s disease?YES – People with Addison’s disease will usually be able to get life insurance.

For the best cover and fairest pricing, you should speak to a medical life insurance expert for advice.
Does Addison’s disease affect life expectancy?NO – Addison’s disease does not generally lead to a shorter lifespan. Most people with Addison’s disease will lead a normal life, though there can be linked conditions that can affect life expectancy e.g. diabetes.

Find out more – Average life expectancy UK

Useful resources

NHS – Addison’s disease: Overview

Mayo Clinic – Addison’s disease: Symptoms & causes

NHS Inform – Addison’s disease

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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