Standard rates are possible or better!
Have you been declined for life insurance due to Addison’s Disease?
Luckily, you’ve come to the right place.
In fact, tough life insurance cases are our specialty at HighRiskLifeInsuranceAgency.com.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with addison’s disease? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Addison’s Disease?
Yes, most individuals with Addison’s Disease will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
How Much Will it Cost?
Best Case Scenario – If Addison’s disease is detected early, symptoms are controlled and complications from the hormonal imbalance like diabetes are prevented, most cases have a “Standard” rating. Click here for quote at “Standard”.
Mild Case – Those with complications like thyroid hormone fluctuations that can lead to hypoparathyroidism, but whose symptoms are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
1. How many years have you been diagnosed with Addison’s disease?
Addison’s disease is a manageable condition where an individual can live a considerably normal life, but it also has the potential to end up with serious complications. Longevity of the condition is one marker that will determine the extent of damage to the adrenal glands.
2. Have you experienced any symptoms within the last six months?
Symptoms such as steady, bothersome pain in the back, abdomen and legs, joint and muscle aches, severe vomiting, hypertension, fever, loss of consciousness or abnormal laboratory findings may indicate an unstable health condition that may result to a “mild substandard” rating.
3. Are you taking maintenance medications?
The need for medications is of utmost importance to replace the lacking steroid hormones in the body. Compliance to regular medication may mean that the health condition is controlled. If the same medications, however, require high doses that are given intravenously, it means that the condition has not been controlled for some time that is why it requires loading of steroid drugs. This could result to a “mild substandard” rating or even a decline depending on the severity of complications.
4. Do you have regular check-ups with your endocrinologist?
Scheduled, regular visits to your endocrinologist will assure that control and management are being implemented, which gives a good chance of being given a “standard” rating.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests from the last 12 months will be compared to see the extent of the adrenal damage. These diagnostic tests will also show the actual state of the individual’s health condition.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
How to Get a Quote?
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Addison’s Disease
Addison’s disease, chronic adrenal insufficiency, hypocortisolism, hypoadrenalism is a chronic endocrine disorder that is genetic in nature or could be the result of a severe infection. It is characterized by a decreased production of steroid hormones in the body (glucocorticoids and mineralocorticoids) due to the destruction of the adrenal glands.
Symptoms of this condition include marked weakness, easy fatigability, loss of appetite, nausea and vomiting, skin discoloration or pigmentation and weight loss.
Since Addison’s disease is a lifetime condition it has the potential to develop serious complications like Hashimoto’s thyroiditis or hypoparathyroidism, but with the correct management this can be prevented.
Related Keywords: Addison’s disease, adrenal insufficiency, adrenal disorder, endocrine disorders, hormone-related disorder