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Compare Addison’s disease life insurance

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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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.

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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