Life Insurance

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Tim G
Veteran Member


Date Joined Jul 2006
Total Posts : 2313
   Posted 4/14/2009 1:46 PM (GMT -6)   
I recently checked into getting a term life insurance policy and was told that the rates are at least double for life insurance until you hit the 4-year cancer free mark, when they drop significantly. 
 
I remember that Les posted a long time ago that his wife worked in the insurance industry and said it was 2 years post-treatment and cancer free.
 
Anyone have any personal experience with getting life insurance post-prostate cancer? 


PSA quadrupled in 1 yr (0.6 to 2.5)  
DRE neg  1 of 12 biopsies pos (< 5%) 
Open surgery June 06 at age 57
Organ confined to one small area Gleason 5   
PSA's undetectable  < 0.1  

Post Edited (TimG) : 4/14/2009 2:43:11 PM (GMT-6)


Steve n Dallas
Veteran Member


Date Joined Mar 2008
Total Posts : 4835
   Posted 4/14/2009 2:15 PM (GMT -6)   

Different insurance companies - different rules/restrictions.

Some advertise - "No Questions Asked" but have a waiting period of at least 12 months.

There are thousands of companies/polices to chose from.

 


Age 54   - 5'11"   205lbs
Overall Heath Condition - Good
PSA - July 2007 & Jan 2008 -> 1.3
Biopsy - 03/04/08 -> Gleason 6 
 
06/25/08 - Da Vinci robotic laparoscopy
Catheter in for five weeks.
Dry after 3 months.
 
10/03/08 - 1st Quarter PSA -> less then .01
01/16/09 - 2nd Quarter PSA -> less then .01
Surgeon - Keith A. Waguespack, M.D.
 


Gunner59
Regular Member


Date Joined Nov 2008
Total Posts : 109
   Posted 4/14/2009 2:17 PM (GMT -6)   
I was told by my disability insurance company (AFLAC) that I had to be cancer free for 5 years before I could update my insurance.
Age 48 at diagnosis
3 Jul 08 PSA 27.21
Biopsy positive 3+3=7 9 of 24 punches
Bone scan clear
22 Sep 08 Laproscopic Radical Prostatectomy and bilateral pelvic Lymphadenectomy
Gleason 3+4 after prostate removal, lymph nodes clear
Stage T2B
PSA at 3 months=undetectable


Paul1959
Veteran Member


Date Joined Nov 2007
Total Posts : 598
   Posted 4/14/2009 6:56 PM (GMT -6)   
Prudential is known for having a very good post PCa life insurance program. There are lots to choose from, however. A quick call to an independent agent will probably answer all your questions. The average seems to be 5 year mark. Before this point, the premiums are quite excessive and the coverage may be minimal. I still have small kids and will be getting life insurance as soon as I am able.
Paul
46 at Diagnosis.
Father died of Pca 4/07 at 86.
1/06 PSA 3.15
1/07 PSA 4.6 (Biopsy 3/07 just suspicious)
10/07 PSA 5.06 (Biopsy 11/07 1 of 12 with 8% involvment) (1mm)
Da Vinci surgery Jan 5, '08 at Mt. Sinai Hosp. NYC www.roboticoncology.com
Saved both nerve bundles.
Path Report: Stage T2cNxMx
-Gleason (3+3)6
-totally contained to prostate,
-10% involvement in L & R Mid lobes
PSA 0 at nine months.
Pad free on March 14 - (10 weeks.) Never a problem since.
ED - Took 100mg viagra every night. for several months
Totally usable erections at 10 weeks, which disappeared over the course of a month or two.
ED bounce is what they call it. Now, at one year, ED is fine with viagra.
One year PSA - undectable!


JustJulie
Regular Member


Date Joined Mar 2006
Total Posts : 355
   Posted 4/15/2009 9:42 AM (GMT -6)   
I am subscribing to this thread because I, too, am interested in this information.
Husband diagnosed in December 2005
PSA of 3.74
Gleason 6
Brachytherapy (91 stranded seeds) April 2006
PSA of 0.39 - November 2008 - whoo hooo!
 


Roger G
Regular Member


Date Joined Apr 2008
Total Posts : 150
   Posted 4/15/2009 12:35 PM (GMT -6)   
Life Insurance...

I only thought about it after the doctor said "You have cancer".
Age: 44 (42 when diagnosed)
DRE Small Ridge on prostate, PSA 1.5
07/2007: Diagnosed cancer, T2c, Gleason 3+4=7
09/2007: Laparoscopic prostectomy @ Hamilton General, 4 hrs.
01/2008: Still working on ED.
 
 


lvdgs
Regular Member


Date Joined May 2008
Total Posts : 70
   Posted 4/15/2009 1:11 PM (GMT -6)   
I'm subscribing as well. I thought it was 5 yrs for medical insurance and 2 yrs for life insurance.

Steve n Dallas
Veteran Member


Date Joined Mar 2008
Total Posts : 4835
   Posted 4/15/2009 1:34 PM (GMT -6)   

Google-> Life Insurance and Cancer (and spend the next several days reading away!)

Buying life insurance after being diagnosed with cancer
http://www.insure.com/articles/lifeinsurance/cancer.html

Applicants with common and treatable forms of breast and prostate cancer may be able to get a "standard" rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a "substandard" or "high substandard" rating at best, or receive declines. Anyone with cancer that has metastasized likely won't be able to obtain a policy.

 

 


Age 54   - 5'11"   205lbs
Overall Heath Condition - Good
PSA - July 2007 & Jan 2008 -> 1.3
Biopsy - 03/04/08 -> Gleason 6 
 
06/25/08 - Da Vinci robotic laparoscopy
Catheter in for five weeks.
Dry after 3 months.
 
10/03/08 - 1st Quarter PSA -> less then .01
01/16/09 - 2nd Quarter PSA -> less then .01
Surgeon - Keith A. Waguespack, M.D.
 

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