Prostate Disorders Life Insurance in 7 Easy Steps
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For prostate disorders, we’ve simplified the process and narrowed the information needed by competitive companies to these steps:
7 Steps to Prostate Disorders Underwriting
- What type of prostate disorder do you have?
- When were you diagnosed with the prostate disorder?
- What types of tests have you had completed?
- What type of treatment are you receiving?
- Has prostate cancer been ruled out?
- What is your most recent PSA?
- Has your PSA remained steady, increased or decreased over the past 12 months?
Life insurance based on type of prostate disorder:
- BPH – Benign Prostatic Hypertrophy Underwriting information
- Prostatitis – Prostatitis Life Insurance Information
- PSA – Elevated PSA Information
- High Grade PIN & Low Grade PIN – Life Insurance Underwriting
As with most prostate disorders, the main concern that underwriters want to rule out is prostate cancer.
BPH – Benign Prostatic Hypertrophy Life Insurance
BPH is the enlargement of the prostate gland. If you have BPH, your prostate gland has grown and may cause bladder obstruction, which in turn leads to bladder, kidney problems, or urinary tract problems.
Treatment for BPH may include medications such as Flomax, Cialis, Proscar, etc., or may include the TURP procedure.
Prostatitis is an inflammation of the prostate gland. If your prostate gland is inflamed, you may experience pain or difficulty with urination. Diagnosis may be determined by urinalysis results or by ruling out more serious issues such as bladder cancer. You may receive antibiotics for 6-12 weeks that may resolve all symptoms.
Elevated PSA Life Insurance Underwriting
PSA stands for Prostate Specific Antigen. PSA is a protein found in your blood that is released by your prostate gland.
There are a number of reasons why your psa level may elevate such as BPH, Prostatitis, or prostate cancer.
What is a normal PSA Level?
From a life insurance underwriting standpoint, normal psa levels are as follows:
Age 0 – 49 = 2.5ng/ml or less
Age 50 – 59 = 3.5ng/ml or less
Age 60 – 69 = 4.5ng/ml or less
Age 70+ = 6.5ng/ml or less
What happens when your PSA is elevated from the life insurance exam?
It happens. Depending on your age and the extent of your psa elevation, it may be a non-factor with underwriting, or it may grind underwriting to a halt, and the life insurance company may postpone or decline you until the cause is known.
If you have a history of psa elevations that have been thoroughly evaluated with your physician to rule out prostate cancer, underwriters are typically able to work with that and offer coverage to you.
When the insurance exam psa elevation is the first elevation of your psa, you will most likely be postponed until it is evaluated. PSA elevations may be due to illnesses, injuries, infections, or it may be something more serious such as prostate cancer.
If repeat tests show normal levels, we can get underwriting to reconsider and offer coverage. If it remains elevated, and your doctor is going to monitor psa results for a while before considering additional tests, we may need to wait for those tests to take place first before coverage is available.
In addition, whenever the psa level is 4.0ng/ml or greater, life insurance underwriters want to see follow-up tests which may include repeat psa tests, DRE-digital rectal exams, prostate biopsy or other psa tests that may be necessary.
PIN – High Grade Pin & Low Grade Pin
Have you been diagnosed with PIN – Prostatic Intraepithelial Neoplasia? PIN occurs when the epithelium lining of the prostate shows signs of dysplasia, changes or irregular growth of the cells of the prostate gland. The only way to diagnose PIN is with a prostate biopsy. The results of the biopsy will classify your PIN as either low grade PIN or high grade PIN.
Underwriters view PIN as a pre-cursor to prostate cancer. The availability of life insurance is dependent on what grade the PIN is, your age and your PSA levels.
With any prostate disorder, we will ask you questions in order to gain a solid understanding of your history. We’ll show you where to look on your reports for the information we need, or we’ll tell you what questions to ask your physician in order for us to shop for coverage for you.
Reasons to use our service
- Save Money – You receive comparative pricing with affordable life insurance options to choose from.
- Expertise – You receive our underwriting knowledge, experience and expertise to help you find your best rate.
- Convenience – We narrow 100+ available companies down to the top 10 rates you will actually qualify for.
- Peace of Mind – A.M. Best rated companies that are stable, pay claims and will be there when you need them.