Prostate Cancer Life Insurance!
Prostate cancer is the second most common cancer in men (skin cancer is the more common). About one in ten men will be diagnosed with prostate cancer in their lifetime. But it still is possible to find and buy affordable term life insurance coverage to protect your family/business or charity. Many others have the condition but will never be diagnosed with it, dying from other causes; only 10% of men diagnosed with prostate cancer die from it. A key risk factor for prostate cancer is age. It is estimated that approximately 10% of men in their 50s have the condition; this rises to 40% for men in their early 70s, and to over 70% of men in their 80s. Most men who reach their 90s are assumed to have prostate cancer. If your spouse or someone you love has been treated for breast cancer please find out more here breast cancer life insurance.
The questions that you will need answers to so your life insurance broker or agent can help you find the cheapest possible policy that is right for your situation are:
1.)Please list date of diagnosis:
2.)How was the cancer treated?
· observation only
· TURP (transurethral prostatectomy)
· radical prostatectomy
· radiation therapy (seed implant or external beam radiation)
· hormone therapy
3.)Are you currently on any medications?
4.)What stage was the cancer?
5.) What was the Gleason score?
6.)Please give the date and result of the most recent PSA test:
7.) What was the PSA prior to treatment?
8.)Do you have any other major health problems (ex: heart disease, etc.)?
Prostate Cancer and Life Insurance Impact on Life Underwriting:
Prostate cancer is most frequently treated with surgical removal, radiation, and/or chemotherapy. Other therapies, including castration for certain early stage/grade cancers, are also used. Some elderly patients with low stage/grade cancers decide to forgo any treatment due to the potential side effects (which can include incontinence and impotence).
Underwriting assessments depend on the stage and grade of the cancer, the type of treatment selected, and the time elapsed since the date of last treatment. Most underwriters prefer surgical removal of the prostate to other forms of therapy. Some medical directors are willing to make offers immediately following surgical removal of a prostate with a low stage and grade cancer. But typically you will need to have at least 6 months to a year of good follow up and low PSA levels before you can obtain an offer. You will also most likely have a flat extra charge for the first 5 years of the policy. Please visit the links below to obtain a free no obligation life insurance quote for your condition.