Skip links

Addison’s Disease Life Insurance

Get a Quote
Addison’s Disease Life Insurance

Addison’s Disease Life Insurance

Our team of highly skilled and experienced advisers at The Insurance Surgery are specialists in dealing with people who have pre-existing medical conditions such as for Addison’s Disease and those who require life insurance, critical illness cover and income protection for Addison’s Disease. We have helped thousands of people with Addison’s Disease and various other medical conditions to protect their loved ones, their homes or their businesses in the event of illness, injury or even death.

Find Out More Get a Quote

How Addison’s Disease life cover works:

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:
  • Age diagnosed
  • Medication / treatment
  • Date of last attack
  • Symptoms (e.g. Low mood, weight loss, muscular problems, dehydration etc.)
  • Family history
  • Related symptoms or conditions
The Insurance Surgery has helped thousands of people to protect their families financial futures by providing specialist advice for non-standard risks such as Addison’s Disease life insurance. In most cases where people have a pre-existing medical condition and they are looking for life insurance, they will understand the risks of not having cover.
Get a Quote
addison's disease life insurance

Addison’s Disease Life Insurance

  • How well is the condition controlled
  • Medication (e.g. type, amount and frequency)
  • Date of last episode and details
  • Any history of Adrenal Crisis

In most applications for Addison’s Disease life insurance there will be a requirement by insurance underwriters to view your GP report to assess the levels of risk. It is not unusual with medical conditions such as Addison’s Disease for this to be a requirement for a life insurance application.

If you have applied for Addison’s Disease life insurance in the past and cover has been declined, postponed or accepted with special terms (e.g. premium loadings) then you should speak to one of our expert advisers. The Insurance Surgery has years of experience in dealing with non-standard life insurance applications such as for those with Addison’s Disease and we know which insurance underwriters are most suited to your circumstances.

Addison’s Disease Critical Illness Cover

Again there is a strong possibility that Addison’s Disease critical illness cover will be accepted and can also often be at the insurers standard rates with no special terms imposed. If the Addison’s Disease has been well controlled and there have been no recent episodes or issues then you should be accepted for critical illness cover at standard rates with no issues.

As with life insurance for Addison’s Disease, the insurance underwriters will often want to see your GP report to assess the levels of risk for any Addison’s Disease critical illness cover applications. Any insurance provider wanting to see your GP report is not a problem and should not be viewed as negative as it will mean that there will be NO ISSUES at point of claim as your GP will have disclosed everything about your medical history.

In some cases for Addison’s Disease critical illness cover there may be some policy exclusions applied where there are additional disclosures, exclusions can include:

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

If you are looking for Addison’s Disease critical illness then you should speak to an expert such as The Insurance Surgery who will be able to tell you which insurance provider will offer the best terms and save you money.

Addison’s Disease Income Protection

Income protection for Addison’s Disease can be slightly more strict in terms of underwriting due to the additional risks of claims on an income protection policy. In most cases the insurance underwriters will want to see a copy of your GP report to assess your Addison’s Disease income protection application. If your Addison’s Disease is well controlled with no further health disclosures then it is possible that income protection will be offered, however there will usually be a slight increase (or loading) to your premiums due to the additional risk.

In certain Addison’s Disease income protection applications where there has been a history of adrenal crisis or if there are other medical disclosures then your premiums may be subject to a bigger loading or in some cases cover may be declined altogether.

The Insurance Surgery is a leading specialist for people who require life insurance with pre-existing medical conditions such as Addison’s Disease, critical illness cover or income protection. If you suffer from Addison’s Disease and you are looking for a personal protection policy for your family, yourself or your business then you should contact one of our team of highly skilled experts.

Case Studies

  • Client: Male
  • Age: 41
  • Smoker status: Non-smoker
  • Medical condition: Addison’s disease, type 1 diabetes, Diabetic retinopathy with laser surgery & vitrectomy, PTSD and underactive thyroid
  • Cover date: 26th June 2019
  • Product type: Level life insurance
  • Cover amount: £150,000
  • Cover term: 25 years
  • Premium: £65.65

We were approached by this gentleman on the 18th January 2019 when he completed an enquiry through our website. Our advisor Alex W then got in contact with him to discuss his life insurance needs and his pre-existing medical conditions. At this point he explained that he was looking for £150,000 of cover for a 25-year period to cover his mortgage and leave money behind for dependents; and that he was a non-smoker with Addison’s disease, type 1 diabetes, PTSD and an underactive thyroid. The gentleman then went on to explain that he has had a few complications as a result of these medical issues, including retinopathy in both eyes due to his diabetes. Due to this mix of pre-existing medical conditions Alex could not obtain cover from our mainstream providers and therefore had to apply to one of our specialist providers who were able to provide him with £150,000 of life insurance for a 25-year period for monthly premium £65.65. . The client was really pleased with the result as he now has the protection that he needs and has peace of mind that if he was to pass away within the next 25 years, his mortgage would be covered, and his family would be financially protected.

Overall, we were delighted with the result, especially considering the array of the pre-existing medical conditions the client has. The premium was fantastic and he now has cover in place that he needs and deserves -and that he had previously struggled to achieve. We are passionate about helping people find the protection that they need and we want to help as many people as possible to get cover.

Most Common Questions

We answer your most frequently asked questions.

There is a strong possibility that cover will be available for anyone suffering from Addison’s Disease looking to protect their loved ones. Underwriters will usually want to view a copy of your GP report to be able to accurately assess the levels of risk for any Addison’s Disease life insurance, critical illness cover or income protection application.

It may be that you have applied to an insurance company who does not have a good underwriting criteria for Addison’s Disease life insurance. Our team of specialists know which insurance providers are better for a wide variety of medical conditions and should be able to guide you towards which insurance providers are best for you.

In some cases we are able to find people cover for certain conditions such as for Addison’s Disease and life insurance which can be for a number of reasons. It may be that your previous application for life insurance was at a time when your condition was more severe or not as well controlled which can help, or you simply may not have applied to the best insurance provider for your condition.

Useful Links

For more information about Addison’s Disease life insurance, critical illness cover or income protection, call our team of leading experts on 0800 083 2829 or complete our life insurance enquiry form.
Get a Quote

Click the links below to find out more: