We understand that people with Addison's disease know how to properly monitor and control the condition and as a result they will have a normal lifespan. And yet, getting life insurance can be made more difficult due to the condition.
For all of our customers with Addison's Disease, we endeavour to get the best, most relevant life insurance policy, offering financial peace of mind. And just as importantly, we take the hassle out of it for you.
To find the most appropriate policy for you, we'll need to know a number of things, including:
For many people where the condition is fully controlled and there are no secondary conditions, it may actually be possible to get standard terms life insurance. In other cases, you may have to take non-standard terms (higher pricing). If you have experienced adrenal crisis insurers will want information about this before offering cover. Even if you have recently had an adrenal crisis you can still obtain cover, but you may have to wait a little while before the policy starts.
If your day to day health is generally good and your condition is fully controlled, with no history of adrenal crisis, then you're more likely to be accepted for a standard terms policy. The insurer will most likely require a report from your GP (at the expense of the insurer - not you!).
If your condition does impact your day to day health, there's also a chance your application could be referred to the Chief Medical Officer for assessment, but we can guide you through the process.
As with life insurance applications, critical illness cover applications will also ask for information about your day to day health, secondary conditions and episodes of adrenal crisis.
With any critical illness insurance application, it's really quite common for an insurer to request a GP report to get a full picture of your overall health. And, much like with life insurance applications, a Chief Medical Officer review might be necessary. There may be exclusions for things like diabetes or underactive thyroid, on the policy, but it is our job to find you the best terms possible. Even if you have recently had an adrenal crisis you can still obtain cover, but you may have to wait a little while before the policy starts.
We aim to take as much of the hassle out of the application process as possible for you, leaving you to get on with living your life!
As with other types of policy, income protection applications are likely to also require a GP report and information about the control of the condition, any secondary conditions and adrenal crisis. The thing that will be of particular interest here, in addition to the above and your day to day health and medication, is the impact that Addison's has on your ability to go to work. So the insurer will want to know how much, if any, time you've taken off work as the result of the condition.
If your ability to go to work is unaffected by Addison's, then you may be able to get an Income Protection Policy on standard terms. If there are secondary conditions or you have experienced adrenal crisis you may still be offered cover, with increased premiums.
If you do find that the terms for Income Protection simply don't suit you, then Accident, Sickness and Unemployment Cover might be more suitable for you. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.
Unlike Income Protection Cover applications, there's no medical underwriting required. In other words, the fact that you have Addison's Disease won't have any bearing on the terms you are offered. That does make the application process simpler, but you should also be aware than that you won't be able to make a claim relating to pre-existing medical conditions on the policy.
If you're planning a holiday or a getaway any time soon, then speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.
What is Addison's Disease
Addison's Disease - also known as primary adrenal insufficiency or hypoadrenalism - is a rare disorder of the adrenal glands. The adrenal glands are 2 small glands that sit on top of the kidneys. They produce 2 essential hormones: cortisol and aldosterone. The adrenal gland is damaged in Addison's disease, so it does not produce enough cortisol or aldosterone.
About 8,400 people in the UK have Addison's disease. It can affect people of any age, although it's most common between the ages of 30 and 50. It's also more common in women than men.
Linked with: Tuberculosis (TB), autoimmune conditions, adrenal crisis, vitiligo, diabetes, hypothyroidism, meningitis, sepsis, cancer, amyloidosis, adrenalectomy, depression, low blood pressure (hypoglycaemia)
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Addison's disease include:
Medications and Treatments
Further Reading and Research
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Review by Carly on 18th January 2018
“Due to having addiesons disease and being over weight was impossible and stressful trying to get life insurance with my morgage advisors with having a lots of knock backs I came across your company and your colleague was amazing and found me the best option sending all details to me via email for me to read,he reassured me and gave excellent customer service” - 5
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