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.

Read more

Knowledge Life Insurance

Life Insurance will help take care of your family in case you should die prematurely. While life insurance can be complex, your COUNTRY Financial representative will help you determine the type and amount that fits the needs of your family considering expenses like your mortgage balance, outstanding debt, and children’s education. Plus, if you are a woman, senior, or a parent of a young child, COUNTRY offers options created especially for your unique needs. Purchase your life insurance policy early in life, live a healthy lifestyle, and guarantee yourself some of the best rates available. Term Life Insurance Term life insurance policies provide affordable protection for a predetermined period of time. It is a very popular option because it provides insurance coverage at the stage of life you need it most, yet have the least amount of money to spend on it. Benefits of term life insurance: Affordable Level premiums throughout the term selected Guaranteed coverage for the amount selected throughout the term Convertible to a whole or universal policy without needing a physical exam or other further evidence of insurability if your needs change Renewable in one-year increments with gradually increasing premiums and no need for a physical exam or further evidence of insurability when the term policy expires Whole Life Insurance Unlike a term life policy, a whole life policy protects you for as long as you live. Plus, your whole life policy builds cash value and the death benefit is tax free. Benefits of whole life insurance: Permanent coverage for as long as you live Level premiums Death benefit is income tax free to your beneficiaries May be paid up before you retire and are on a fixed income Lower premium policy option that you pay throughout your life Cash value builds tax-deferred and can be loaned against for emergency funds as long as you meet certain conditions COUNTRY Financial and our representatives cannot give tax advice. See a tax advisor for more details. Universal Life Insurance Universal life policies are flexible and allow you to adjust the amount of life insurance to keep pace with your current lifestyle. Plus, you can even adjust the amount and frequency of the premiums you pay, even skip payments if necessary. Universal life shares some of the same benefits of a whole life policy: Permanent coverage for as long as you live Death benefit is income tax free to your beneficiaries Cash value builds tax-deferred and can be loaned against for emergency funds as long as you meet certain conditions COUNTRY Financial and our representatives cannot give tax advice. See a tax advisor for more details. Additional benefits of universal life insurance: Withdraw funds from the policy if you meet certain conditions Offers a level death benefit or an increasing death benefit depending on your needs Offers a special guaranteed minimum interest rate. Any amount that you pay in excess of the amount required to maintain your life policy earns a guaranteed minimum interest rate in a conservative account, similar to a savings account, and builds your cash value Article Source : http://www.countryfinancial.com/SiteController?url=/insuranceInvestments/life

Read more