Do you need help with Life Insurance Approval with Prostate Cancer?
Finding an affordable life insurance policy with Prostate Cancer can be quite the challenge.
The good news is there is hope.
At HighRiskLifeInsuranceAgencycom,
we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Prostate Cancer? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Prostate Cancer?
Yes, most individuals with Prostate Cancer will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
How Much Will it Cost?
Best Case Scenario – A stage 2 Prostate Cancer that had undergone a total prostate resection a year ago may qualify for a “Standard” rating. Provided, however, that the pretreatment PSA reading is less than 20 with the current undetectable, plus the Gleason score is less than 6.
Another best case scenario would be a stage 2 Prostate cancer that did not undergo surgery, instead underwent a radiation treatment and has been free from any recurrence for the last 2 years. The required scores, however, include a pretreatment PSA of less than 10 with current reading of less than 0.5 and a Gleason score less than 6. Click here for quote at “Standard”.
NOTE: Gleason scale uses 2-10 in scoring; the higher the rating the more aggressive is the Prostate Cancer.
Other cases such as those at stage 2 and above, post radical prostate resection, pretreatment PSA readings less than 20 with no current reading and a Gleason score above 7 may have to postpone application for at least a year after surgery. Better ratings may apply only after the 6th year post prostate resection.
Common Questions to Assess Rating Class
If you’re unsure if you will qualify for a Standard rating, please see the questions below:
1. How many years since you were diagnosed with Prostate Cancer?
Prostate Cancer that is diagnosed early will have a good chance of treatment and cure. This may get you a “Standard” rating.
2. What treatment options were used?
The type of treatment used may show how aggressive the Prostate Cancer is. Some of the treatments for less aggressive cases include observation only or hormone therapy. For more aggressive cases there are treatments as TURP (transurethral prostatectomy), radiation therapy or radical prostatectomy.
3. What was the stage of your Prostate Cancer during the initial diagnosis?
The comparison of the initial diagnosis and the current stage of Prostate Cancer will also show how aggressive the tumor is.
4. What was the Gleason score given?
Gleason score is used to determine the aggressiveness of Prostate Cancer. Usually those between the scores 2-6 can get a good rating.
5. What is your pretreatment and most recent PSA result?
Pretreatment and most recent PSA results will be compared to make an appropriate rating. Usually recent PSA of less than 10 or 20 has a good chance to get a best case scenario, provided, that you meet the other requirements such as the Gleason score and the number of years passed after the surgery.
6. Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Prostate Cancer and may get you a decline.
7. Are you currently taking any medication for other medical conditions?
A diagnosis of other medical conditions other than the Prostate Cancer may have to be re-evaluated to get an appropriate rating.
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.
How to Get a Quote
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 Prostate Cancer
The prostate is a walnut shaped and sized gland in the male reproductive system, which is located at the base of the urinary bladder. An abnormal growth in this gland is called Prostate Cancer.
Most common types of Prostate Cancer include sarcoma and adenocarcinoma. Adenocarcinoma is relatively slow growing and has good prognosis than sarcoma.
Symptoms of Prostate cancer include pain on urination (dysuria) and during sexual intercourse, erectile dysfunction, frequent urination especially at night (nocturia) and in some cases bloody urine (hematuria).
Related Keywords: prostate cancer, prostatic carcinoma, PSA, adenocarcinoma, sarcoma