If you have Addison’s Disease and need life insurance, let us help you. Our life insurance expertise with endocrine diseases will help you find affordable life insurance.
Addison’s Disease Overview
Addison’s Disease occurs when the adrenal gland fails to produce enough cortisol and aldosterone.
Your body requires Cortisol in order to maintain your metabolic processes such as your blood pressure and vascular system.
Aldosterone is needed by your body in order to maintain your salt balance as well as blood pressure and vascular systems.
From a life insurance underwriting standpoint, the risk that Addison’s Disease creates is a cardiovascular risk, increased coma risk, and adrenal crisis caused by electrolyte and metabolic problems.
Addison’s Disease Life Insurance Underwriting
Life insurance underwriters want to know that you are compliant with taking your medications and that by taking your medications, you have been able to avoid adrenal crisis as much as possible.
Addison’s Disease treatment is typically hydrocortisone, prednisone, and in cases where aldosterone is deficient, a medication such as fludrocortisone is added to the treatment plan.
The greatest life insurance underwriting risk occurs during the early years of diagnosis and treatment when medications are new and the insured is learning to monitor and regulate medications.
What to Expect from Life Insurance Underwriters
If you were diagnosed with Addison’s Disease within the past 6 months to 1 year, most life insurance companies will postpone you for life insurance. They want to see your treatment and medications work.
After 1 year, provided that cancer has been ruled out, you are taking your medication, and you have not been hospitalized for adrenal crisis, it may be possible to obtain “standard life insurance rates” with a few life insurance companies that understand Addison’s Disease underwriting.
If you have been hospitalized for Addison’s Disease, the life insurance companies may postpone you for a period of time, and then when life insurance is available, the life insurance companies may charge you the standard rate plus an additional charge called a table rating.
This is true whether you are looking for term life insurance, universal life insurance or whole life insurance.