rs10515522 — NR3C1

Intronic NR3C1 variant associated with longevity in Polish nonagenarians and centenarians; the C minor allele correlates with better survival rates and altered cholesterol metabolism

See your personal result for NR3C1

Upload your DNA data to find out which genotype you carry and what it means for you.

Upload your DNA data

Works with 23andMe, AncestryDNA, and other DNA test exports. Results in under 60 seconds.

NR3C1 rs10515522 — A Longevity Signal in the Glucocorticoid Receptor

The glucocorticoid receptor encoded by NR3C1 is the cell's primary transducer of cortisol signaling — connecting the body's stress response to gene expression programs that regulate inflammation, metabolism, immune function, and cellular aging. Most NR3C1 variants studied to date alter GR sensitivity in ways that affect stress-related disease risk. This intronic variant (rs10515522) takes a different angle: it was discovered not through a disease study but through a longevity study, comparing the genomes of Polish nonagenarians and centenarians to those of newborn controls.

The signal is independent of the two other NR3C1 variants already catalogued in this database — rs6198 (9β)11 rs6198 (9β), which alters GRβ isoform expression and blunts cortisol signaling, and rs41423247 (BclI)22 rs41423247 (BclI), which increases glucocorticoid sensitivity. rs10515522 sits in a different region of the gene and appears to exert its effect through a distinct mechanism, most likely regulatory rather than structural.

The Mechanism

rs10515522 is an intron variant at chromosome 5 position 143,378,829 (GRCh38). NR3C1 spans the minus strand of chromosome 5, so the T reference allele on the plus strand corresponds to an A on the coding strand, and the C alternate allele corresponds to a G. The variant has no known protein-coding consequence; its effect, if any, is likely on transcription regulation, splicing efficiency, or post-transcriptional processing of NR3C1 transcripts.

A 2018 haplotype study33 2018 haplotype study
Plieger T et al. NR3C1 and NR3C2 variation in cortisol response and cognition under acute stress. Psychoneuroendocrinology, 2017 included rs10515522 in a panel of 10 NR3C1 SNPs and found that the composite NR3C1 haplotype significantly predicted cortisol reactivity (p = 0.011) during acute stress challenge in 126 healthy males. rs10515522's contribution to the haplotype-level effect was not individually resolved, but its inclusion in the panel is consistent with the variant having regulatory influence on GR expression or activity.

The CC genotype's association with elevated total cholesterol44 CC genotype's association with elevated total cholesterol
Olczak E et al., 2019 provides an additional functional clue: glucocorticoids directly regulate hepatic lipoprotein metabolism through GR-mediated transcription of cholesterogenic genes. Altered NR3C1 expression or splicing in liver tissue could plausibly shift the set point of glucocorticoid- driven cholesterol synthesis.

The Evidence

The primary evidence comes from a Polish centenarian cohort study. Olczak et al. (2019)55 Olczak et al. (2019)
Glucocorticoid receptor gene polymorphisms are associated with age and blood parameters in Polish Caucasian nonagenarians and centenarians. Experimental Gerontology, 116:20-24 genotyped three NR3C1 variants (rs10515522, rs2963154, rs2918418) in 552 individuals aged 95-106 years from Polish Caucasian ancestry, compared against 284 cord blood samples from newborn controls.

Two findings are reported for rs10515522. In the cross-sectional comparison, the TT genotype was more prevalent in the long-lived group (p = 0.016) — a finding that must be interpreted carefully given that TT is simply the most common genotype overall (~71% European frequency). The more mechanistically informative finding is the survival analysis: carriers of the C minor allele (TC and CC combined, or possibly TC alone) had significantly better survival rates within the elderly cohort. This longitudinal signal — who survives longer after already reaching age 95 — is the stronger evidence of a longevity effect.

Additionally, the CC homozygous genotype was associated with elevated total cholesterol (p = 0.049), suggesting that two copies of the C allele shifts NR3C1 activity in a direction that affects hepatic lipid metabolism — a finding that echoes the effect also seen for rs2963154 in the same study.

The evidence level is emerging: this is a single cohort study with a moderate sample size. No independent replication of rs10515522's longevity association has been published. The biological mechanism remains speculative. However, the study's design — nonagenarians and centenarians are a gold-standard extreme-longevity phenotype — and its internal consistency across multiple NR3C1 variants give it more weight than a typical single-study finding.

Practical Implications

The longevity association of rs10515522 suggests that NR3C1 regulation in late life has measurable survival consequences. Given cortisol's central role in the biology of aging — mediating cellular senescence through glucocorticoid-driven atrophy of tissues including immune cells, hippocampal neurons, and skeletal muscle — variants that alter the GR's activity level or tissue-specific expression are plausibly relevant to healthspan and lifespan.

For TC carriers, the survival benefit observed in the centenarian cohort suggests that a single copy of the C allele may confer some advantage in maintaining GR-mediated adaptation into advanced age. For CC carriers, the cholesterol association introduces a clinically relevant consideration: lipid monitoring is warranted regardless of other risk factors, since altered GR activity in the liver may shift cholesterol metabolism independent of diet and lifestyle.

For TT carriers (the large majority), no specific longevity disadvantage is established by this single study, but the absence of the C allele means they don't share the survival benefit observed in the elderly cohort.

Interactions

rs10515522 operates within the same NR3C1 gene as rs6198 (9β)66 rs6198 (9β) and rs41423247 (BclI)77 rs41423247 (BclI). The three variants likely contribute to a composite NR3C1 haplotype that determines overall GR function. The haplotype study by Plieger et al. (2018) specifically examined rs10515522 alongside rs6198, rs41423247, and seven other NR3C1 SNPs, finding that the composite haplotype predicts cortisol reactivity more reliably than any single variant.

rs2963154, studied alongside rs10515522 in the longevity cohort, showed a similar but stronger effect (p = 0.002 for TT enrichment in centenarians) and associated with both total and HDL cholesterol. The two variants may tag the same or overlapping regulatory elements in the NR3C1 intron.

FKBP5 (rs1360780), a glucocorticoid receptor co-chaperone variant, would compound with any NR3C1 functional variant affecting HPA axis regulation, though no direct interaction data for rs10515522 specifically has been published.

Genotype Interpretations

What each possible genotype means for this variant.

TT Common Genotype Normal

The most common NR3C1 rs10515522 genotype — no C-allele survival benefit

You carry two copies of the T (reference) allele at rs10515522. This is the most common genotype, present in roughly 71% of people of European descent. In the Polish centenarian study, the TT genotype was actually the most prevalent among those who reached ages 95-106, which reflects the high background frequency of this genotype rather than a specific survival advantage. TT carriers do not carry the C minor allele that was associated with better survival rates in the elderly cohort.

Your NR3C1 function at this locus is at baseline — no identified up- or down-regulation from this specific variant. Your longevity profile at this locus is neutral: the absence of the C allele doesn't confer elevated risk, but it also doesn't provide the survival advantage observed in TC carriers.

CT C-Allele Carrier Beneficial

One copy of the C minor allele — associated with better survival in nonagenarians and centenarians

Heterozygous advantage — where one copy of a variant confers benefit while two copies shift toward a different phenotype — is plausible for regulatory variants affecting transcription factor expression. With NR3C1, maintaining optimal (neither too high nor too low) glucocorticoid receptor activity is critical for longevity: excessive GR activity drives cortisol-mediated tissue atrophy and immunosuppression, while insufficient GR activity allows inflammatory cascades to run unchecked.

The TC genotype may hit a regulatory sweet spot — partially modulating NR3C1 expression or activity in a way that improves stress adaptation without the cholesterol dysregulation seen in CC homozygotes.

The cortisol stress response haplotype study (Plieger et al., 2018, n=126) found that NR3C1 haplotypes including rs10515522 significantly predicted cortisol reactivity (p = 0.011), suggesting the variant contributes to real differences in HPA axis function even if its individual effect is not large enough to isolate in that study.

CC C Homozygote High Risk

Two copies of the C allele — associated with elevated total cholesterol

Glucocorticoids regulate cholesterol synthesis through GR-dependent modulation of the SREBP-2 pathway and direct transcriptional control of rate-limiting enzymes in the cholesterol biosynthesis cascade. A regulatory variant that alters NR3C1 expression specifically in hepatocytes could shift this set point chronically.

The CC genotype's cholesterol association (p = 0.049) is at the nominal significance threshold and has not been replicated independently. However, the parallel finding for rs2963154 (also CC: elevated cholesterol, p = 0.007) in the same study lends biological credibility to the NR3C1-cholesterol link rather than it being a statistical artifact.

This is an emerging finding from a single study. The primary clinical relevance is ensuring that lipid status is monitored and not assumed to be fully diet-driven — some of the set point may be genetically fixed through NR3C1 regulatory effects on the liver.