Life Insurance

New to the forum and have a quick question.

Where have you all been able to buy life insurance, with an elevated PSA?

My numbers have ranged from 7.8-9.7 over the last 24 months.

Biopsied and all 12 came back negative BUT nobody will even consider writing me a term policy.

Thanks

Greetings from a former Missourian myself. Born in Saint Louis. I guess I can say raised there too but not grew up as most who know me say I never grew up.

There are a slew of policies that only require a few medical questions to be answered. I can't recall if they were term policies or whole life.

Particularly if you have never been diagnosed with cancer, you should be able to qualify in say 25,000 increments with several companies until you get to the desired level.

In some cases, the death benefit is return of premium to the beneficiary if death were to occur in first couple of years, and then full face amount thereafter.

If you check your email spam file, you may already have offers from several life insurance companies.

Not an option I would recommend especially in your case, but most policies have a one or two year contestable period. So if an unethical one were to outlive some less than fully honest answers on the app, their beneficiary would still get paid for death after the contestable period.

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Diagnosed @ age 64 Feb 2013 PSA 3.68 (6 mo velocity) Gleason 9 (4+5)

T1CN0M1B a/k/a D2 Adenocarcinoma w. 7 of 12 cores worst ones 70% right perineural Invasion PNI

oligometastatic 5 tumors 1 right sacroiliac, 2 thoracic vertebral bodies (spine), 2 right posterior ribs

Began Lupron 4 month 03-28-2013.
PSA after 28 days 0.90 w free PSA 0.22, T=24

In UF & Shands Metastatic Disease Program

Jim

I've been watching all the various offers since this question comes up often. The "diagnosed" point is where you might get by - check AARP, they flood me with offers, but none will cover me, being diagnosed and treated.

Once anything says you are diagnosed, you are pretty much out of luck based on what I've seen. For what they want in premiums vs what they will pay, it seems just as good an idea to put some money in a savings or investment account each month.

The only option I have is to buy a company policy during open enrollment at the end of the year.

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Moderator - Prostate Cancer
(Not a medical professional)

DaVinci 10/2009
My adjuvant IGRT journey (2010) -
www.healingwell.com/community/default.aspx?f=35&m=1756808
HT (Lupron) 6-mo injection 9/12;Prolia 6-mo inj 12/12

AFLAC is 5 years cancer free.

I have life insurance i got before diagnosis but I think it runs out in 8-9 years time.

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40 years old - Diagnosed at 40
Robotic Surgery Mount Sinai with Dr. Samadi Jan, 2011
complete urinary control and good erections with and without meds
Prostate was small, 34 grams.
Final Gleason score 7 (3+4)
Less than 5% of slides involved tumor
Tumor measured 5 mm in greatest dimension and was located in the right lobe near the apex.
Tumor was confined to prostate.
The apical, basal, pseudocapsular and soft tissue resection margins were free of tumor.
Seminal vesicles were free of tumor.
Right pelvic node - benign fibroadiopse tissue. no lymph node is identified.
Left pelvic node - one small lymph node, negative for tumor (0/1)

AJCC stage: pT2 NO MX

17.8? I'd say to thank them.

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40 years old - Diagnosed at 40
Robotic Surgery Mount Sinai with Dr. Samadi Jan, 2011
complete urinary control and good erections with and without meds
Prostate was small, 34 grams.
Final Gleason score 7 (3+4)
Less than 5% of slides involved tumor
Tumor measured 5 mm in greatest dimension and was located in the right lobe near the apex.
Tumor was confined to prostate.
The apical, basal, pseudocapsular and soft tissue resection margins were free of tumor.
Seminal vesicles were free of tumor.
Right pelvic node - benign fibroadiopse tissue. no lymph node is identified.
Left pelvic node - one small lymph node, negative for tumor (0/1)

AJCC stage: pT2 NO MX

I had just completed the purchase of a new 20 year term policy 1 month before my doctor advised me of my elevated PSA of 4.7. I guess the insurance company did not check my PSA during their medical screening. Phew! Guess I just snuck that one in under the wire.

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Age 46 at DX
PSA 1/06 1.0, 4/09 2.9, 4/10 4.6, 4/10 4.7, 10/10 4.7
Bio 5/10 12 of 12 negative
Bio 7/10 12 of 12 negative
CDU sat Bio 10/10 30 of 30 neg
1/11 4.5, 7/11 4.3, 1/12 5.7, 4/12 5.3, 7/12 6.1, 10/12 9.1
8/12 CDU sat Bio 52 cores (ouch)
DX 9/6/2012 9 of 52 pos. Gleason 6 and 7
30 DART treatments complete 11/12, brachytherapy 55 Pd 103 seeds 12/12/12, follow up DART, 10 sessions, 3/13

Greg, here's an example of what I was talking about that showed up in today's email unsolicited. I am not endorsing this particular insurance company as many offer something similar

http://www.lifebymutual.com/?cc=U76&r=3

Graded Benefit Life Insurance from United of Omaha Life Insurance Company "United of Omaha" provides:

Guaranteed acceptance for ages 45-85
No physical exams or health questions to answer
Affordable rates that never increase – Ever!
Benefits that are never reduced because of age or health

Of course the actuaries build anti-selection into the rates, and it's only return of premium first couple of years and whole life rather than term, but you can get coverage in small increments form various carriers.

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Diagnosed @ age 64 Feb 2013 PSA 3.68 (6 mo velocity) Gleason 9 (4+5)

T1CN0M1B a/k/a D2 Adenocarcinoma w. 7 of 12 cores worst ones 70% right perineural Invasion PNI

oligometastatic 5 tumors 1 right sacroiliac, 2 thoracic vertebral bodies (spine), 2 right posterior ribs

Began Lupron 4 month 03-28-2013.
PSA after 28 days 0.90 w free PSA 0.22, T=24

In UF & Shands Metastatic Disease Program

Jim

Greg, If the premiums are not too horrendous, may want to start the clock now since death benefit the first couple years is only return of premium, (Some states require at interest) not the full $25 K per policy.

If you wait until your current policy expires, there is an extra year or so of gap in your coverage

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Diagnosed @ age 64 Feb 2013 PSA 3.68 (6 mo velocity) Gleason 9 (4+5)

T1CN0M1B a/k/a D2 Adenocarcinoma w. 7 of 12 cores worst ones 70% right perineural Invasion PNI

oligometastatic 5 tumors 1 right sacroiliac, 2 thoracic vertebral bodies (spine), 2 right posterior ribs

Began Lupron 4 month 03-28-2013.
PSA after 28 days 0.90 w free PSA 0.22, T=24

In UF & Shands Metastatic Disease Program

Jim