Getting approved for affordable life insurance rates if you have Addison’s disease can be pretty tough.
Or is it?
Sure, Addison’s will matter but cheer up! Not all hope is lost. It turns out that if follow good advice, you can find reasonable rates and get the life insurance coverage you want.
After this article, you’ll know exactly what to do. Here is what we’ll cover:
The result of the adrenal glands being unable to produce enough of the hormones needed for normal body functions. Addison's is an adrenal insufficiency or hypocortisolism. Cortisol and Aldosterone are the hormones whose production suffers when the adrenal cortex is damaged.
Cortisol - Stress regulator
Aldosterone - Sodium and potassium regulator
Addison's disease is a pretty rare illness, affecting 1 out of 100,000 people. There are two major classifications, primary and secondary adrenal insufficiency.
Primary Adrenal Insufficiency
Often the result of an immune system attack on the adrenal glands, primary insufficiency results in your glands damaged to the point they are no longer producing hormones. This is considered to an autoimmune disease and could be caused initially by an infection such as tuberculosis, which is to blame for 20% of cases.
Secondary Adrenal Insufficiency
If the pituitary gland does not produce enough of the adrenocorticotropic hormone (ACTH). This hormone is what tells the adrenal glands when to release hormones.
How Will the Insurance Companies Look at Your Condition
If you suffer from an adrenal insufficiency, you will be looking for what is considered "high-risk life insurance".
Life insurance underwriters are concerned about further health problems that Addison’s disease might lead to such as cardiovascular disease or events, cancer, as well as an adrenal crisis.
First and foremost, they want to know when you were diagnosed with Addison’s Disease. If it’s very recent (6-12 months ago) your options will be limited and many carriers won’t insure you.
The underwriters want to see a track record of levels being controlled and with minimal symptoms. The more time that passes, the more confidence they’ll have that you are following and reacting well to the program your endocrinologist has laid out.
Typical treatments are: