Addison's disease life insurance

Are you looking for affordable Addison’s disease life insurance cover with an insurer that understands your needs? With iLi, you can use a comparison tool to quickly and easily find cover that protects you and your loved ones now and in the years to come. iLi puts your details before a network of approved impaired insurance specialists, which takes the hassle out of finding the best insurance policy at a great price.

The facts on Addison's disease

Also referred to as primary adrenal insufficiency, Addison’s disease is a condition involving a disorder of the adrenal gland. The adrenal gland becomes damaged, so it does not produce enough cortisol or aldosterone. The condition is linked to a fault in the immune system (in which it attacks the adrenal gland), and can affect anyone at any time, but is most common in women and people between 30-50 years old. Symptoms of Addison’s disease include fatigue, weakness in the muscles and a lack of strength, depression and low mood, weight loss, feeling an increased thirst and a lack of interest in food. Other people experience more serious symptoms such as a loss of consciousness.
People with Addison’s disease have an increased risk of developing diabetes or an underactive thyroid.

Treatment for Addison’s disease is mainly through medications to replace missing amounts of cortisol or aldosterone. Such medications are often required for the rest of a sufferer’s life. Many people go on to live normal lives with the condition kept under control. In extreme cases however, sufferers may experience an adrenal crisis, in which levels of the hormone cortisol fall suddenly. If left untreated, this can prove fatal.

Insurers will accept applications from people with Addison’s disease, as the majority of sufferers control their symptoms with medications.

The right insurer for Addison's disease life insurance

Trying to find the right Addison’s disease life insurance cover for your needs can be a confusing process. As Addison’s disease is a long-term medical condition, some insurers may be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for Addison’s disease life insurance, and need to manage their level of risk. If you have been admitted to hospital as a result of an adrenal crisis, it may be more challenging to find an insurer that meets your needs and that will accept your application. iLi’s comparison service can help you find the right insurer for your personal circumstances.

Costs for Addison's disease life insurance premiums

Addison’s disease is a long-term condition that is treatable through medications. As you have a treatable long-term condition, you should expect to pay higher premiums than a person with no health conditions at all, but no more than other pre-existing or long-term medical conditions that are under control, meaning that the increase should be minimal. This will however depend on the severity of your Addison’s disease, the strength of the medications you are taking and the overall level of risk you pose to an insurer.

Prices from insurers will vary depending on who you speak to, which is why iLi is the ideal place to find the best impaired Addison’s disease life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have been admitted to hospital as a result of your Addison’s disease and an adrenal crisis, and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal that is in line with your budget.

Which companies offer Addison's disease life insurance?

iLi works with many of the UK’s leading Addison’s disease life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker and compare the one that’s best for you. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– The best price for Addison’s disease life insurance
– Cover to give you complete peace of mind that you are protected
– An insurer that understands Addison’s disease and your symptoms

Further cover for Addison's disease life insurance

Critical illness cover

If you have Addison’s disease and you’d like to apply for critical illness cover in case you are diagnosed with a critical illness such as cancer, acceptance of your application will depend on various factors including your overall health, whether your symptoms are under control, and if you have experienced adrenal crisis. An insurer may want a GP medical report for some form of confirmation. If you have experienced an adrenal crisis, you may face higher premiums or may even need to take out a policy with a specialist insurer.

iLi’s policy comparison service can help you find the right cover and take the hassle out of the application process. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It’s quick, simple and completely free.

Further information

For more details on Addison’s disease, visit the following links:

Addison’s disease self-help group
You and Your Hormones
Or visit one of our Impaired Life Leads dedicated websites.

If you have an impairment, it can be difficult to know where to find the right life insurance policy and insurer for your needs. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for Addison’s disease life insurance. Our free comparison service can help you to easily find the cover you need at an affordable price.