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Prostate Cancer Life Insurance

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Prostate Cancer Life Insurance

Prostate Cancer Life Insurance

The Insurance Surgery guarantees to obtain the most competitive life insurance quotes for those with severe medical conditions such as prostate cancer. Our experts have helped thousands of cancer sufferers to find the best insurers for their particular needs at the lowest prices available on the market. Prostate cancer life insurance depends on certain criteria that our team of insurance specialists will be able to help you with so that you can find the best policies tailored to your exact needs.

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How Prostate Cancer Life Insurance works:

Prostate Cancer life insurance premiums and terms will depend on what the underwriting criteria is for each life insurance provider, which will usually include:

  • Date of diagnosis
  • Grade / Stage
  • Treatment (e.g. Chemotherapy, Radiotherapy etc.)
  • Age at diagnosis
  • Period since treatment finished

The Insurance Surgery is a leading insurance specialist for people with all types of Cancer, including Prostate Cancer life insurance. Our team of expert advisers have many years of experience and have helped thousands of individuals to find the right cover to protect their loved ones at the right price.

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Prostate Cancer life insurance

As with all other types of Cancer, it is important to understand that Prostate Cancer life insurance terms will depend on a number of key factors, such as:

  • At what age were you diagnosed with Prostate Cancer
  • What was the Grade and Stage (Gleeson Scale)
  • Were you treated by Chemotherapy or Radiotherapy
  • Was the Prostate removed
  • How long has it been since your treatment ended (usually min. 2 years)

Prostate Cancer life insurance is generally available in the same way that most other types of Cancers are underwritten for life insurance. In our experience, Prostate Cancer is one of the better forms of Cancer for life insurance underwriting due to the relatively high survival rates in men. Underwriters when assessing Prostate Cancer life insurance applications will want to know how aggressive the Cancer was (e.g. Grade / Stage) and what treatment you received. Almost all Prostate Cancer life insurance applications will need to be supported by some sort of medical evidence from your GP or your specialist.

Prostate Cancer life insurance rates can vary from a relatively small premium loading up to a decline or postpone to cover being offered depending on the severity of your condition. In most cases we see where an increase to the premium for Prostate Cancer life insurance is applied, an increase will usually be applied for several years and then reduced to standard rates as the risk of re-occurrence reduces.

If you have applied for Prostate Cancer life insurance previously and been accepted on special terms or have had cover declined / postponed then it will be worth reviewing cover based on your current circumstances. The Insurance Surgery also has access to exclusive specialist providers and products to ensure that we are able to offer at least some cover to everyone with conditions such as Prostate Cancer looking for life insurance.

Prostate Cancer critical illness cover

Most Cancers are similar when it comes to applying for critical illness cover and it will depend on how long you have been in remission and any issues since end of treatment. Prostate Cancer critical illness cover is available in certain circumstances where the Cancer has been treated or removed several years ago and there have been no further problems. Generally there would be a requirement to provide some additional medical evidence for Prostate Cancer critical illness cover such as a GP Report or information from a specialist.

Certain circumstances where there has been a period of several years since treatment has ended with no further issues, Prostate Cancer critical illness cover can be accepted at standard rates with no exclusions. The majority of applications that we see for Prostate Cancer critical illness cover have a loading to the premium and/or an exclusion for Cancer on the policy.

If you have applied for Prostate Cancer critical illness cover in the past and had either special terms or a premium loading applied, or if you have been declined cover altogether previously then it will generally be worth reviewing cover based on your current circumstances.

Prostate Cancer income protection

People who have suffered from Prostate Cancer looking for income protection will generally find that cover may be available as long as:

  • There has been several years since treatment
  • Depending on the Grade / Stage of the Cancer

Usually there will be a Cancer exclusion applied to Prostate Cancer income protection policies which will also depend on time since treatment and severity of condition. There may also be an additional premium loading for some Prostate Cancer income protection policies as with the other types of cover.

If you have applied for Prostate Cancer income protection in the past which has been agreed on special terms or if you have had cover declined in the past then it may be worth reviewing cover based on your current circumstances to see whether anything has changed.

Facts and Statistics about Prostate Cancer

Prostate Cancer is a men only type of Cancer due to the fact that men are the only sex with a Prostate gland, which is a small organ that sits beneath the bladder and urethra. The prostate gland itself is roughly the size of a walnut in younger life and gets larger as men get older.

Other types of Cancer Life Insurance:

  • Cancer Life Insurance
  • Breast Cancer Life Insurance

Most common prostate issues in men are:

  • Enlarged Prostate
  • Prostatitis
  • Prostate Cancer

Prostate Cancer develops generally in later life and usually affects males who are over 50 with an average age of diagnosis between 65 and 69 years of age. The Cancer usually develops when the cells in the Prostate begin to grow uncontrollably which can be either slowly to begin with (potentially causing no issues). In some cases the Prostate Cancer can be more likely to spread which is where treatment is required to prevent spreading to other organs or areas of the body.

Prostate Cancer Statistics:

  • 1 in 8 men will get Prostate Cancer
  • Over 46,000 males are diagnosed with Prostate Cancer every year
  • Prostate Cancer is the most common type of cancer in males
  • Over 330,000 men currently living with or have recovered from Prostate Cancer
  • Every hour a man dies from Prostate Cancer (more than 11,000 each year)

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