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Addison’s Disease Life Insurance

Looking for life insurance with Addison’s Disease? The Insurance Surgery are experts in finding the right life cover for people with Addison’s Disease, so contact us today for your free quote.

What Is Addison’s Disease Life Insurance?

In most applications for Addison’s Disease life insurance there will be a requirement by insurance underwriters to view your GP report to assess the levels of risk. It is not unusual with medical conditions such as Addison’s Disease for this to be a requirement for a life insurance application.

If you have applied for Addison’s Disease life insurance in the past and cover has been declined, postponed or accepted with special terms (e.g. premium loadings) then you should speak to one of our expert advisers. The Insurance Surgery has years of experience in dealing with non-standard life insurance applications such as for those with Addison’s Disease and we know which insurance underwriters are most suited to your circumstances.

How well is the condition controlled

Medication (e.g. type, amount and frequency)

Date of last episode and details

Any history of Adrenal Crisis

How Addison’s Disease life cover works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Generally where there is a history of Addison’s Disease and you are applying for a new life insurance policy, there may be several additional underwriting requirements to assess your application such as:

Age diagnosed

Medication / treatment

Date of last attack

Symptoms (e.g. Low mood, weight loss, muscular problems, dehydration etc.)

Family history

Related symptoms or conditions

The Insurance Surgery has helped thousands of people to protect their families financial futures by providing specialist advice for non-standard risks such as Addison’s Disease life insurance. In most cases where people have a pre-existing medical condition and they are looking for life insurance, they will understand the risks of not having cover.

Critical Illness Cover

Again there is a strong possibility that Addison’s Disease critical illness cover will be accepted and can also often be at the insurers standard rates with no special terms imposed. If the Addison’s Disease has been well controlled and there have been no recent episodes or issues then you should be accepted for critical illness cover at standard rates with no issues.

Income Protection Insurance

Income protection for Addison’s Disease can be slightly more strict in terms of underwriting due to the additional risks of claims on an income protection policy. In most cases the insurance underwriters will want to see a copy of your GP report to assess your Addison’s Disease income protection application. If your Addison’s Disease is well controlled with no further health disclosures then it is possible that income protection will be offered, however there will usually be a slight increase (or loading) to your premiums due to the additional risk.

Coarctation of the Aorta life insurance

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

Your age

Your current weight and lifestyle

The date of your initial diagnosis

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.

Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.

However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.

At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

For more information about Addison’s Disease life insurance, critical illness cover or income protection, call our team of leading experts on 0800 083 2829 or complete our life insurance enquiry form.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get life insurance, critical illness cover or income protection if I suffer from Addison’s Disease?

There is a strong possibility that cover will be available for anyone suffering from Addison’s Disease looking to protect their loved ones. Underwriters will usually want to view a copy of your GP report to be able to accurately assess the levels of risk for any Addison’s Disease life insurance, critical illness cover or income protection application.

What if I have recently been declined for Addison’s Disease life insurance?

It may be that you have applied to an insurance company who does not have a good underwriting criteria for Addison’s Disease life insurance. Our team of specialists know which insurance providers are better for a wide variety of medical conditions and should be able to guide you towards which insurance providers are best for you.

Can I get a lower premium than I am paying for Addison’s Disease life insurance?

In some cases we are able to find people cover for certain conditions such as for Addison’s Disease and life insurance which can be for a number of reasons. It may be that your previous application for life insurance was at a time when your condition was more severe or not as well controlled which can help, or you simply may not have applied to the best insurance provider for your condition.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Addison’s Disease Life Insurance

What Is Addison’s Disease Life Insurance?

How well is the condition controlled

Medication (e.g. type, amount and frequency)

Date of last episode and details

Any history of Adrenal Crisis

How Addison’s Disease life cover works:

Age diagnosed

Medication / treatment

Date of last attack

Symptoms (e.g. Low mood, weight loss, muscular problems, dehydration etc.)

Family history

Related symptoms or conditions

Critical Illness Cover

Income Protection Insurance

Coarctation of the Aorta life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*