We Help Prostate Cancer Survivors Get Life Insurance
For over 17 years, we’ve been helping prostate cancer survivors find the life insurance they need from top quality life insurance companies. Our life insurance for cancer survivors underwriting knowledge and expertise will help you find your best life insurance rate.
You may think that life insurance is not possible. The reality is that most men are insurable soon after cancer treatment, and in some cases, life insurance is available if you still have cancer.
Prostate Cancer Life Insurance Underwriting Overview
Did you know that there are life insurance companies that specialize in underwriting depending on the type of prostate cancer treatment you receive?
It’s true. Some companies are more aggressive with cancer surgery histories vs. others that are more aggressive with radiation treatment such as proton treatment or brachytherapy.
We also have a group of companies that are best known for handling active surveillance/watch & wait scenarios.
Prostate Cancer Life Insurance Facts
The discovery that you had cancer probably started as a result of prostate exam and psa test. Many times, the first indication that something is happening will be from the prostate exam where your doctor may indicate that your prostate is enlarged, or when your lab tests return and your psa is elevated. We’ve had many clients over the years learn about their elevated psa from an insurance exam.
Prostate cancer is the most common cancer diagnosed for men after skin cancer. The availability and price for life insurance depends on a number of factors including:
- Age – Diagnosis after age 60 offers the most ideal situation. Recent improvements to life insurance underwriting has opened up opportunities to men in their 40’s and 50’s.
- PSA Level – Pre-treatment and Post-treatment PSA levels are needed. Life insurance companies look for PSA levels less than 20 at time of diagnosis, and there are some niche programs offering better deals for PSA levels of 10 or less at time of diagnosis.
- Prostate Cancer Stage – Prostate cancer is assigned a staging number based on the size and spread of prostate cancer. Stage 1 and Stage 2 cancers receive the most favorable underwriting. Life insurance may be available for Stage 3a prostate cancers after a postpone period.
- Gleason Score – The gleason score measures the aggressiveness of your prostate cancer. Gleason Scores of 6 are the most ideal. Gleason scores of 7 may include a flat extra expense depending on the length of time since completion of treatment and the age of the insured. It is very difficult to obtain life insurance for a Gleason Score of 8 or greater, with long postpone periods of 5 years or greater after the completion of treatment. Guaranteed issue life insurance is the only option available for stage 4 prostate cancers.
- Prostate Cancer Treatment -The type of cancer treatment you received is a major factor in determining the availability and pricing of life insurance. Life insurance underwriters are more aggressive with offers when treatment was a radical prostatectomy. If radiation was the treatment method, there may be a longer postpone period before coverage is available. Active surveillance/watch & wait cases depend on all of the above factors.
How Do We Know What We Know About Prostate Cancer Life Insurance?
At LifeInsuranceAdvisors.com, we are in constant contact with life insurance companies in order to have the most current underwriting information available.
My name is Michael J. Horbal. I learned the high risk life insurance business as a regional manager for the largest high risk life insurance distributor in the United States. I worked on thousands of cases, helping agents nationwide with their high risk life insurance cases, many being prostate cancer histories.
Recognizing the need for consumers to have an accurate resource for high risk life insurance information, I started this company to help you find the best rates possible based on your prostate cancer history.
Keep in mind that there is never any pressure or obligation with our life insurance service. We’ll provide you with the information you need in order to make an informed decision about your life insurance.
How Prostate Cancer History Affects Your Life Insurance Rate
Most life insurance companies postpone offering coverage for a period of time after completion of prostate cancer treatment.
The postpone period varies depending on how aggressive your prostate cancer was as well as the prostate cancer treatment used. That postpone period may run 3-12 months or more.
Prostate cancer treatment such as Brachytherapy or external beam radiation require longer postpone periods compared to a radical prostatectomy.
With radiation treatment, life insurance underwriters look for a PSA level that is less than 1 after treatment and remains less than 1. If your PSA level after radiation treatment continues to elevate, there needs to be definitive follow-up that rules out the recurrence of prostate cancer.
The most competitive prostate cancer survivor life insurance rates are available to men diagnosed with prostate cancer after age 60, where the PSA level was less than 20, the Gleason grade was less than 6, and the cancer was stage 1 prostate cancer or stage 2a or 2b prostate cancer. If the PSA level at time of diagnosis was 10 or less, it may even be possible to obtain a preferred life insurance rate.
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The information contained on this website is meant to inform you about how medical issues affect your life insurance rates. This information is not meant to replace your physician’s advice. Always consult your physician for medical advice.