Editor’s Note: First published May 2022 | Fully refreshed July 2025 to reflect updated underwriting practices and Addison’s-specific insurer insights.
Short answer: Yes — and it’s usually straightforward if your condition is stable.
We’ve helped clients with Addison’s Disease get life insurance, mortgage protection, and even income protection. The only time there’s an issue is if you’ve been diagnosed recently — in that case, the insurer may wait six months before offering cover.
Otherwise, you’re likely looking at standard rates to a small loading — we’ll check with every insurer before you apply, so you only go with the one offering the best deal.
👉Complete this short questionnaire — I’ll run your case past the insurers (anonymously) and send you the best offer.
What Factors Affect Your Premium?
Assuming your Addison’s is well-controlled and diagnosed over six months ago:
- Life insurance / Mortgage protection: Usually standard to +50% loading
- Income protection: Loading may be higher, depending on past adrenal crises
If you’ve had an Addisonian crisis in the past 3 years, premiums may be higher, but we’ve still helped clients get cover even in those cases.
Every insurer treats Addison’s differently. We’ll quietly check with them all — Aviva, Irish Life, New Ireland, Royal London, and Zurich — before you apply.
Will You Need a Medical Exam?
Nope. Most cases are handled with just the application form.
Sometimes the insurer may ask your GP for a PMAR (Private Medical Attendant’s Report) — but only if there’s something unclear in the application.
You won’t have to go for a nurse medical or blood test unless there are unrelated health issues.
How Long Does It Take?
If everything’s straightforward, we usually get approval within 72 hours of receiving your completed application.
If a GP report is needed, it can take a few extra weeks — another reason to go with the most Addison-aware insurer from the start.
Case Study: Sam’s Story
Sam came to us after being declined by a different broker. Her house purchase was about to fall through, and she was understandably stressed.
- 34 years old
- Diagnosed three years ago
- Two flare-ups, including an Addisonian crisis pre-treatment
- Hospitalised for 4 weeks during diagnosis
- Medications: 20mg Hydrocortisone (split across the day) + 0.1mg Fludrocortisone
- Non-smoker
Despite her history, we got her mortgage protection approved — with a 50% loading.
She got the keys.
The deal closed.
Job done.
And yes, she’s now a happy Lion.ie client.
What’s the Best Insurer for Addison’s?
Honestly? It depends on the details of your case.
One insurer might offer standard rates, another might load heavily, and one might delay the whole thing. That’s why we ask you to complete the questionnaire up front and then speak to the underwriters for you (without sharing your name).
That’s the difference between getting covered smoothly — and getting the runaround.
Over to You
If you or someone you know has Addison’s Disease and is worried about applying to the wrong insurer, let us help — it’s what we do.
Complete this short form and I’ll discreetly sound out the best insurers for your situation.
Thanks for reading.
Nick