As we’re
nearing the end of Movember, I thought it would be a relevant topic to address.
And, if you’ve donated already like I have, great! If not, here’s a link to the
Movember Fundraising Site.
You’ve heard
all of the statistics, 230,000+ men will be diagnosed with prostate cancer this
year, 1 out of every 7 men will be diagnosed at some point in their lifetime,
and if you live long enough eventually you will contract some form of cancer. I
don’t know this last one to be fact, but I’ve sure heard it enough to believe
it.
What many of
the statistics fail to mention are those that are not diagnosed and will NEVER
be diagnosed with prostate cancer. The wives. The wives of men who’ve been
diagnosed with prostate cancer. Daughters, mothers, sisters of prostate cancer
survivors. As men, It’s naturally our role to protect our families in every way
possible. We work and work to build and protect our family and homes. We teach,
nurture and correct our children for years and years with the hopes of them
completing college and beginning their own careers and families. We are willing
to literally take a bullet and die for our families, but are we willing to LIVE
for our families?
Life isn’t
always easy and sometimes we need to do things that are necessary for those
that we love. Are you willing to wisely build a self-fulfilling financial plan
in case you’re not here physically to do those things? I’ve delivered checks to
widows and children, there is absolutely NOTHING that will replace a loved one.
Period. But there are things we can do as men to see that they are financially
okay if we are not here to see things through.
So your
question, “Can I qualify for life
insurance after prostate cancer?” The simple answer is, Yes but it
depends. Naturally, life insurance companies will ask several questions before
they’re willing to insure anyone for any substantial amount of death benefit,
whether you’re healthy or not.
May the Best
Quote Win!
When it
comes to prostate cancer, prostatitis, or an elevated PSA, insurance carriers
want to know…
What was
your pre-treatment PSA?
What is your
post-treatment PSA?
Your was
your most recent Gleason Score?
Gleason
Score of 2, Gleason Score of 3, Gleason Score of 4 & Gleason Score of 5 –
low-grade.
Gleason
Score of 6 or less – well-differentiated or low-grade.
Gleason
Score of 7 – moderately differentiated or intermediate-grade.
Gleason
Score of 8, Gleason Score of 9, & Gleason Score of 10 – poorly
differentiated or high-grade.
If you in
fact do have a previous diagnosis of prostate cancer:
When were
you diagnosed?
Was it
treated, if not why?
If you did
have treatment, what did your treatment consist of?
When were
you treated initially?
When exactly
was your treatment completed?
Did it
include chemo?
Was it
treated by radiation?
Are you
currently under watchful waiting, like Dr. Drew Pinsky was?
Did you opt
for a newer type of treatment such as cryoablation or did you have a radical
prostatectomy (prostate removed)?
Does
prostate cancer run in your family?
If so, who
directly related to you has or had prostate cancer?
Are they
alive or have they passed?
Insurance
companies typically ask for general information in regards to immediate family
such as mother, father, and siblings but they may ask for additional
information upon request.
If you in
fact did have prostate cancer, was it able to spread or was it contained to the
prostate gland?
Where has it
spread to, etc.?
How was your
prostate cancer graded?
How was your
prostate cancer staged?
The
questions we’ll discuss will help us build a plan around you and your life
insurance needs. We don’t need to answer all of these questions in order to
answer your initial question, “Can I qualify for life insurance after prostate
cancer?”, BUT the better we understand you and your qualities, the better rates
we can help you qualify for.
You are more
than the sum of your numbers, let us tell your story accurately to the
underwriters.
We want the
best possible chance of qualifying for affordable life insurance rates.
We work with
50+ insurance carriers and each has their own set of qualifying guidelines that
we look to when assisting a client with prostate cancer post prostate cancer,
or any high risk health need for that matter. The value of working with an
independent life insurance agent like myself may be the difference between
obtaining life insurance or being declined. Give yourself the best opportunity
to qualify, let us go to work for you! We know which carriers are more flexible
in covering men after prostate surgery and which carriers to avoid if you’re
under active surveillance.
We also work
with carriers that may offer coverage when everyone else won’t but they tend be
more expensive as they typically offer coverage to any and everyone with very
little to no underwriting. We work with companies that offer non-med life
insurance policies which did not require a meeting with a nurse during their
underwriting process. This option is for those that are in good to great health
and would prefer to avoid a meeting with a nurse or doctor’s needle. We can
help you too.
If you’re
just getting started on your journey, that’s okay, we’re here to listen. We’re
here to answer your insurance related questions and offer some advice where we
can. Sometimes, the best option is to not apply but wait until you’ve been able
to show a positive history after surgery. We will tell you that. Often times,
when working with clients how’ve been previously declined, it’s slightly harder
to get that person approved after a previous decline. That’s why it’s important
to assess your risk now and to take the proper measures to lower your risk by
following your oncologist’s, urologist’s and doctor’s advise. A healthy diet
and exercise plan are not only good for us in general but by losing a few
pounds and improving your overall health, you may be able to lower your risk
class as well. The lower your risk class, generally the lower your life
insurance premiums are as well.
Don’t let an
elevated PSA, elevate your premiums!
Fill out the
brief quote request form with your contact information, so we may get to work
for you today!
For More
Details Checkout Here :
0 comments:
Post a Comment