Can I Get Life Insurance After Treatment for Prostate Cancer?
You may think it is not possible to get life insurance after having prostate cancer. But the good new is you may be eligible for life insurance. You would need to provide us with some details of your prostate cancer history and treatment. The type of information we would ask for could include:
· Date of diagnosis
· Stage and Gleason grade
· Type of treatment
· Date treatment was completed
· Have there been any recurrences
· Date of most recent physician follow-up
· Most recent PSA (prostate specific antigen) level
One of the important details required in your medical records is your most recent PSA level. If you had treatment for prostate cancer (prostatectomy) your PSA level should be zero after your treatment. Your doctor will mostly likely have you follow-up with them to monitor your PSA level. Your results may indicate to us that your level is zero; however testing results are extremely sensitive and detect PSA amounts such as 0.01, 0.1 etc. If the test results are showing a steady increase over time, the insurance carrier may be concerned the cancer is recurring. Even through your level remains at zero; it is the numbers following zero the insurance carrier underwriter will be monitoring.
Having this information up front, we could then work with insurance carriers that could potentially consider you eligible for life insurance coverage. If the information provided appears favorable, we would then work with you to complete a life insurance application. Once the insurance carrier has the application, they will most likely request additional medical records from your physicians.
About the author: Teri Costen has been in the life insurance business for over 20 years. She is a mother of three who enjoys working out, taking aerobic kickboxing classes, and making stained glass. Teri believes that finding the right life insurance policy helps protect your family and loved ones. You can contact Teri at 1-800-651-1953 or TCosten@Pivot.com.