Life Insurance for Prostate Cancer Survivors
Shopping for a life insurance policy if you have had prostate cancer can be daunting.
You may worry that your history of cancer will mean you are unable to qualify for affordable coverage, or that the coverage you can afford will be inadequate and unable to protect you and your family.
It can sometimes feel like walking on a tightrope: you want to work with the best and most reputable life insurance companies, but you also want an affordable policy. Presenting your cancer history can push you over the edge, into unaffordable premiums and inadequate coverage.
At LifeInsuranceProstateCancer.com, we pride ourselves on our reputable agents. Our agents do the work, allowing you to rest easy, knowing that you are on your way to finding the best life insurance policy possible from top life insurance companies.
We only build relationships with companies who have a long and respectable history of providing affordable coverage to prostate cancer survivors. You are unique individual and you need unique life insurance options that will cover you and your family.
We believe that a history of prostate cancer should not stand in the way of getting coverage and we work to find the best life insurance for prostate cancer survivors.
How Prostate Cancer Survival Affects Your Policy
Most insurance companies will postpone insuring you for a period of time after you have completed prostate cancer treatment.
This waiting period can range from 3-12 months, depending on the type of treatment you chose and how aggressive your cancer was pre-treatment. For radical prostatectomy patients, the postponement period is shorter than for radiation therapy patients.
After this period of time, the underwriters will look at your PSA levels during your follow up visit – as well as your PSA levels at the time of your diagnosis – and will rate you accordingly. Looking at the PSA levels during the time of diagnosis is an important extra step used to assess your prostate cancer risk.
Because prostate specific antigen tests are so unreliable, examining your PSA levels before, during and after diagnosis can help the underwriter better understand how aggressive your cancer was and how well it responded to treatment.
For some clients with higher PSA levels, additional follow ups may be necessary to confirm that your cancer has not returned.
Your Policy Should Reflect You
No two struggles with prostate cancer are the same.
Your medical history, family background, demographics, cancer stage and grade, and treatment recommendations were all unique to you. You need an insurance company who understands your struggle and can anticipate your needs.
We are going to let you in on one of our trade secrets: we are able to satisfy our client’s needs because we work with unique carriers.
Did you know that insurance companies have unique specialties? Just as no two cancer struggles are alike, no two insurance carriers approach policies for cancer survivors in the same way.
We know which companies don’t seen prostate cancer survival as an added risk and we work to get you the best policies that they have to offer. We communicate the details of your unique struggle with prostate cancer to underwriters who work with prostate cancer survivors.
The Best of the Best
Because our network is wide, we are able to find the unique carriers that will fit the needs of you and your family.
Our network is also exclusive.
We work with the top names and companies that have received the highest ratings from Moody’s and A.M. Best. This means that the companies we are working with are financially strong and able to not only protect and insure their clients, but are able to protect themselves in a financial crisis.
These are also names that are widely recognized as the best in the business, including Mutual of Omaha, Prudential, Protective, and ING.
At LifeInsuranceProstateCancer.com, we believe that your struggle with cancer deserves to be recognized.
Our agents understand the hardships you have gone through and are able to accurately communicate your risk and your requirements to insurance carriers.
We also understand that no detail is too small and we make sure that you know that something as small as regularly undergoing checkups and PSA tests can make all the difference in your premiums and even your rating.
Our agents build lasting relationships with you, the client, as well as insurance companies so that they are always up-to-date on the latest news in prostate cancer underwriting.
Because we understand the industry and make your happiness our priority, we can safely say we are the best in the prostate cancer life insurance industry.
Getting Covered is Easy
Let us help you find the best policy today.
If you’re a prostate cancer survivor, you and your family should not go unprotected. If you have face declines or high premiums, it’s because the underwriter and insurance company don’t understand your unique situation.
We understand what you’ve been through and we know which companies will understand your situation. This multifaceted approach to life insurance makes us unparalleled in the industry.
Working with our highly trained independent agents who specialize in finding the best life insurance coverage for prostate cancer survivors will make your search easier, putting you on the fast track to coverage.
Fill out an online instant quote form today or call and speak to one of our agents to see how we can help you find the best coverage.