Underwriting Prostate Cancer History
When underwriting prostate cancer, Just because you have had this condition doesn’t necessarily mean that you will be unable to qualify for term life insurance. There are numerous factors that determine if you can currently qualify for coverage, or how long you may have to wait when underwriting prostate cancer. These are several things to know that tend to be the primary factors that underwriters review when prostate cancer underwriting is involved.
Factors for Underwriting Prostate Cancer
The approximate age when you are diagnosed with prostate cancer can help to determine exactly how aggressive the underwriters will be when underwriting prostate cancer.
Your PSA Level, which stands for Prostate Specific Antigen, is also a key factor that is taken into consideration. Your PSA is only produced by your prostate cells and tends to increase if you develop a problem with your prostate. Underwriters will probably want to know what your PSA level was at the time of your prostate cancer diagnosis, and also what your PSA is following your successful completion of treatment. Most life insurance companies are looking for a PSA near Zero after treatment for prostate cancer, depending on the type of treatment you received.
When Underwriting Prostate Cancer, Look at the Stage
Doctors use a rating process to categorize exactly how much your prostate cancer has spread, which also lets you know how severe the cancer was. For example, if you had a diagnosis of Stage 1 prostate cancer, that usually means that your cancer is confined to your prostate. If you had a stage 2 cancer, then odds are that it has spread beyond the prostate gland.
You Gleason Score is another factor in underwriting prostate cancer
When dealing with prostate cancer, your Gleason Score is a grading system for the tumor itself. Usually, your prostate Gleason Score is comprised of 2 numbers, which are added together to give your cumulative prostate Gleason Score. When a pathologist examines the tumor, they identifies the staging for the majority of the tumor resulting in a prostate Gleason Grade, and then examine the minority part of the cancer which results in the prostate Gleason Grade.
How your prostate cancer was treated
It is very important to take into consideration exactly how you were treated for your prostate cancer. Did you have a treatment such as a radical prostatectomy for your prostate? Did they remove the entire gland? Were seeds implanted?
All of these factors will be important when underwriting prostate cancer.
