Addison’s Disease Life Insurance

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 higher 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.

Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they have the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

By Michael Horbal – Updated on 01/28/2023

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