Posted 9/27/2007 5:10 AM (GMT -7)
It is posssible to get coverage after prostate cancer.
There are a few companies available that are aggressive with their offers depending on the details. Some will offer "standard plus" rates as soon as 6 months after completion of treatment while others will postpone you for a period of time:
companies look for:
1. age at diagnosis
2. pre-treatment psa level
3. Gleason score
6. post treatment psa levels
If gleason is 6 or less and pre treatment psa level is less than 20, stage T1 or T2, some companies will offer non-rated policies as soon as 6 months.
When gleason hits 7 or greater, typically a postponement will be involved and a flat extra added to the price. A flat extra is an extra cost per thousand of coverage added to standard rates.
For your case, i think that you will be a postpone for a while due to the T2c, and coverage with a flat available after that.
If you do a google search for "life insurance after prostate cancer" i will be listed as #1 on this topic, more details on site with questionnaires, what to expect, etc..
The best way to shop for coverage when ready is to have an agent informally shop your information. That way many companies will be covered without going through the entire process with each company. Good luck.