Life Insurance For Prostate Cancer

Prostate cancer is cancer that develops in the prostate , a gland in the male reproductive system . It occurs when cells of the prostate mutate and begin to grow out of control . These cells may spread from the prostate metastasis to other parts of the body , especially the bones and lymph nodes . Prostate cancer may cause pain , difficulty urinating , erectile dysfunction and other symptoms .
The number of prostate cancers vary widely in the world , but rare in East and South Asia ; often happens in Europe and the United States . According to the American Cancer Society , prostate cancer is least common in Asian men and most often occurs in the black , and the Europeans in the middle.
Risk factors
Some factors that may increase the risk of prostate cancer are age , race , family history ( heredity ) , hormonal , and diet . Men who have a family of men with prostate cancer ( brother , father , grandfather ) had a higher risk of developing the disease compared to men who did not have a family history . Other factors that cause prostate cancer is hormone testosterone and changes in diet consume too much fat . According to other research , chemical agents such as Cadmium is also found in prostate cancer progression .
How has the effect of prostate cancer application for life insurance ? "
Factors affecting the Underwriting
There are several things that underwriters will consider when you apply for prostate cancer :
1 . The age of the applicant .
2 . At the time of prostate cancer diagnosis .
3 . This type of treatment is done .
4 . As treatment progresses or when treatment is completed .
5 . The Stage of prostate cancer .
6 . If there has been a recurrence after receiving initial treatment .
7 . Is Metastatic ?
8 . Are there any serious complications ?
9 . Gleason grade tumors .
Application requirements
A man with prostate cancer and plans to go to the life insurance often have to submit the APS (Medical Certificate ) which accompanied the Blood profile includes tests of PSA (Prostate Specific Antigen ) .
How to Speed Up Application
In order for your insurance filing process faster and to avoid delays in processing the application make sure that you have prepared the following points :
1 . Contact information clinicians who had no pathology reports and hospital records of treatment .
2 . Details about the type of treatment you received and matters relating to the follow-up testing
Underwriting Decision
If you are under 70 years old then the tumor stage and Gleason grade will determine the feasibility and cost. In the best case scenario where you have undergone successful treatment then you will have a great opportunity or meet the requirements to get a standard rate . Many cases after prostatectomy or radiation and the amount of PSA minimal coverage is not available until 2 years have passed . After a 2 -year period is completed you are eligible if your situation has not changed . There will be an additional fee for the next few years , usually around $ 12 per $ 1,000 of coverage.