Life Insurance Quotes for Prostate Cancer Survivors

May 17, 2009 Impaired Risk Life Insurance, Life Insurance Quotes

Life Insurance Quotes for Prostate Cancer Survivors

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We get many life insurance quote requests from prostate cancer survivors.  Prostate cancer is the most common cancer in men.  Prostate cancer ranks second when it comes to cancer deaths in men.  Approximately 75% of men in their 80′s have prostate cancer at biopsy.

Life Insurance quotes for prostate cancer survivors depends on certain factors.  Underwriters will look at the stage and grade of the prostate cancer.  The stage refers to the extent of the cancer (tumor size and/or spread).  The Gleason system grades the aggresiveness of the tumor from 2 to 10.  The higher the Gleason Score the more likely a tumor will spread beyond the gland to other sites.  Gleason 2-4 is non aggressive while Gleason 8-10 is aggressive.

The treatment for prostate cancer is most often a prostate resection (called a radical prostatectomy) or radiation.  Hormonal treatment is offered for metastatic disease, to elderly men, or to men with poor health. 

If diagnosed with low grade prostate cancer some patients may not be treated, but instead followed with close observation.  This fourth treatment is often referred to as “watchful waiting”.  How you were treated also affects life insurance quotes for prostate cancer survivors.

After treatment PSA levels will be closely monitored.  Rising PSA levels may suggest that a tumor is present where as a consistently low PSA is an indicator of successful control.

Most prostate tumors are adenocarcinomas.  Another form of tumor seen in the prostate gland is sarcoma, which has a worse prognosis.  Clients that have prostatic adenonocarcinoma are considered after they have completed treatment, show no current evidence of disease, and have adequate follow-up care.  In most cases, men who were treated with radical prostatectomy will be considered after one year.  If radiation treatment (external radiation or seed implants) was given, underwriting is usually delayed for 2 years.  Life insurance quotes ratings for prostate cancer survivors will depend on stage, Gleason score, and PSA levels before and after treatment. 

Here is the information we will need in order to provide life insurance quotes for prostate cancer survivors:

1. Age at diagnosis
2. PSA level – Companies need to know both Pre-treatment and Post-treatment PSA levels.
3. Stage – what stage was the cancer? A1,A2, B1,B2,C1,C2
4. Gleason Grade – What was the Gleason grade?
5. Treatment – Was your cancer treated with radiation, watch and wait, or radical prostatectomy?

Call InsuranceGlobe.net today at 1-888-950-8376 to get your life insurance quotes for prostate cancer survivors or email us at info@InsuranceGlobe.net.

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