We know it can be frustrating searching for a life insurance policy with a history of Prostatectomy.
Don’t fret. We can help! Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance after a Prostatectomy? And if so…
2. How much will it cost?
Yes, most individuals will be able to qualify for traditional life insurance after a Prostatectomy, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – A best case rating of “Standard” may only be given if cases are asymptomatic. It is also necessary to determine the length of time from the diagnosis of BPH and the time of actual Prostatectomy. Diagnostic exams may be required to determine if there is any kidney damage due to urinary restriction. And lastly, it is very vital to determine the possibility of recurrence especially with a metastatic case of prostatic CA. If all areas have been cleared by physical, laboratory and diagnostic exam, then a “Standard” rating may be given. Click here for quote at “Standard”.
Common Questions to Assess Rating Class
If you’re unsure if you will qualify for a Standard rating, please see the questions below:
How many years ago was your Prostatectomy?
Prostatectomy that was done over a year ago with no recurrence will most likely qualify for a “Standard” rating. Prostatectomy that is performed early will have a chance of a good prognosis.
Have you experienced any symptoms within the last six months?
Symptoms of pain or difficulty in urination after Prostatectomy may be a sign of a recurrence and may need further evaluation to determine whether you will qualify for a “Standard” rating.
You might also be interested in this article – Life Insurance Approval with Benign Tumours
What was the stage of your Prostate Cancer if there is a diagnosis of CA?
A stage 2 Prostate Cancer that had a successful radical Prostatectomy over a year ago may qualify for a “Standard” rating, provided, that the Gleason score is below 6, and that PSA reading is within normal limits.
What is your current Gleason Rating?
Gleason scale uses 2-10 in scoring; the higher the rating the more aggressive is the Prostate Cancer. In cases where the PSA is within normal, but the Gleason score is 7, a waiting time of 1 year may be required before a rating can be given.
Do you have regular check-ups with your urologist?
Regular visits to your urologist will help monitor any recurrence, which may require another surgery. Doctor’s management may mean that your condition is controlled and life insurance companies see this as a good sign.
Have you had PSA test in the past 12 months?
Recent PSA reading will show whether there are any changes in the prostate gland that need immediate attention. Normal results, on the other hand, may also confirm your compliance with your doctor’s management.
Are you smoking?
Smoking has been particularly associated with cancer including Prostate CA, and if you are currently smoking it may cause you a decline because of the high risk of recurrence.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Prostatectomy
Prostatectomy is a surgical procedure that involves the removal of a part or the entire prostate gland. The usual indication for a Prostatectomy is due to the enlargement of the gland that is commonly known as benign prostatic hyperplasia (BPH).
Other indications for Prostatectomy may be due to a tumor, discomfort or a blockage in the urethra that restricts voiding. Urinary restriction is a serious condition because long-term disease can result to kidney damage, therefore, kidney failure and death.
There are 3 major methods used in Prostatectomy: (1) transurethral resection of the prostate (TURP), (2) open Prostatectomy, and (3) laparoscopic radical Prostatectomy are all used for the relief of BPH symptoms.
See all our other articles on Benign Growth and Tumours and Click Here