Cancer: Prostate

This is the most common internal malignancy found in American males.

Likely Underwriting Decision

<Age 70: Availability of coverage will depend on the stage and Gleason Grade of the tumor

Standard Plus is possible 5 years after qualifying for Standard rates. Preferred is possible 10 years after qualifying for Standard rates

Best Case:

  • Ages 50-59: If localized tumor (stage T1 or T2 with the Gleason Grade 2-4), surgical treatment, PSA undetectable post-op then consider Standard
  • Ages 60-90: If localized tumor (stage T1 or T2 with the Gleason Grade 2-6), surgical or radiation treatment, PSA undectable post-op then consider Standard
  • Ages 70-90: If localized tumor (stage T1 or T2 with the Gleason Grade 2-6), treated by surgery or radiotherapy, PSA undectable then consider Standard
  • Ages 50-90: some favorable, surgical treated, stage T1 or T2 with Gleason Grade 7 may qualify for Standard

Typical Case: (watchful waiting)

<Ages 70-90: PSA <10, then consider 200% to Standard depending on the age

Factors Affecting the Decision

  • Current age
  • Date of diagnosis
  • Type of treatment
  • Date treatment completed
  • Stage and Gleason Grade
  • Any recurrence or spread
  • Current PSA reading
  • Any serious complications from treatment

Fast Track the App

Requirements:
APS, blood profile to include PSA if current results are not available

Fast Track:

  • Pathology reports
  • Type of treatment
  • Evidence of regular follow-up and PSA testing
  • Copies of PSA tests