For people suffering from Addison’s Disease, the thought of obtaining life insurance can be a daunting one. No one likes to go to the doctor and get told they aren’t in perfect health, and knowing you aren’t in perfect health as you walk in makes it all the more scary for many people.
For other people, they may simply have questions about the process of obtaining life insurance with Addison’s Disease, or are simply wondering whether or not they would be declined. Whatever the case may be, the simple fact that you have Addison’s Disease should not automatically disqualify from obtaining life insurance by any means. In fact, there is a very good chance you can still get life insurance just like everyone else.
Starting the process of obtaining life insurance
If you have Addison’s Disease, you will need to undergo a medical exam before the underwriters can assign you with a rating. The good news for many people with Addison’s Disease is, if the disease was detected early, the symptoms are already being controlled, and complications from a hormonal imbalance like diabetes have been prevented, then it is very possible you could receive a standard rating for life insurance.
If you have had complications, such as thyroid hormone fluctuations that have lead to hypoparathyroidism, then you might still qualify for a mild substandard rating when you request a quote from a life insurance company.
The trouble is, many people have no idea which health class they are in when they are about to start the process, and are apprehensive to answer certain questions in the wrong way. If you're older and concerned if you can qualify for term life insurance for seniors, we can assist in this process. We can answer questions and help you find the coverage you deserve.
Life Insurance and Addison's Disease - What To Expect
There are many things that come into play here, such as when you were first diagnosed with Addison’s Disease and if you have had any damage to your adrenal glands. If you have experienced zero symptoms in the past six months, things will also be seen to be much more in your favor. Common symptoms they look out for include severe vomiting, hypertension, loss of consciousness, muscle aches or abnormal laboratory findings which indicate a health condition that may contribute to a mild substandard rating.
The medications or drugs you are currently taking will also be taken into account, since they can replace the lacking steroid hormones in your body. An underwriter will also want to know if you’ve had any recent checkups with an endocrinologist or if you’ve undergone any diagnostic tests within the past 12 months.
Life insurance with Addison’s Disease doesn’t need to be difficult
Many people with Addison's find us after speaking with a national call center like GEICO Life Insurance or one of the other big brands. The thing is, those agencies are high volume call centers that don't give you the time needed to properly find you the best rates.
Just because you have Addison’s Disease doesn’t mean whatsoever that you won’t be eligible for life insurance, and with people who have Addison’s Disease commonly being approved for standard rates, things can actually appear pretty bright.
If you are even the slightest bit apprehensive about beginning the process, we suggest you contact us first for more information.
We are experts at helping people with Addison’s Disease obtain life insurance at a price they can afford, and can help to walk you through all the complicated steps.