Life Insurance With Elevated PSA (Prostate Specific Antigen)

Trying to find an affordable life insurance policy but elevated PSA levels have you curious about eligibility?

The truth is, as you age, the allowable levels of PSA (prostate specific antigen) actually go up, too.

While there are guidelines we can follow to finding you an accurate quote for life insurance with elevated PSA, each case is unique. When dealing with possible benign instances, for example, one male could be accepted with higher levels than another.

Continue reading below to find out what we’ll need to know in order to provide you with not only the best chance at a successful application, but an approval with the cheapest rates!

Life Insurance With Elevated PSA

Of men who measure a PSA level of at least 10 ng/ml, over 90% test positive for cancer with a biospy.

It’s easy to see why having elevated levels are worrisome for men, and for the insurance company in which you’re trying to purchase life insurance from, as well. This is why buying life insurance with elevated psa levels almost immediately falls into an impaired risk category.

 

The number of men who die from the root cause of prostate cancer diagnosed from prostate screening is still a reasonable percentage. Even if it is found, it’s not always treatable. And these numbers are only those who are screened. Many men go un-screened each year, causing the number of prostate cancer related deaths to be even higher.

Factors Affecting Underwriting Decisions

So how can this information affect life insurance underwriting?

Temporary increases in prostate specific antigen are actually not much of a concern, believe it or not.  If the applicant falls within the common range for his age, for example 4-10 ng/ml, he may at most only be required to undergo additional testing to make certain the number is not still rising. If not, underwriting will resume as normal and take into account all other health concerns.

However, life insurance with elevated PSA levels above 10 can mean more work.

First, a biopsy or past biopsy results will be required. Even if a male, especially an older male, has a PSA above 10, it could simply be the result of many activities, benign conditions, or other unknown causes. As long as the biopsy can reasonably prove this, the underwriting can once again resume without penalty to the applicant.

If tests come back inconclusive, the result could be a postpone or decline until further information is available. Remember, life insurance with elevated psa can be a time consuming process, so you’ll want to begin the process sooner than later.

Testing Positive For Cancer

In the event you are confirmed to have prostate cancer, you can still be underwritten as long as you meet a few conditions.

  1. Current PSA Levels
  2. PSA Density (level compared to the size of prostate)
  3. PSA Velocity (how fast the psa level increases)
  4. Stage of Cancer
  5. Treatment Provided
  6. Age at Diagnosis
  7. Current Age
  8. Medications (past and current)

If the numbers you provide are within range and you can prove to the insurance company a certain level of maintenance (the slower the growth, the better), you could possible expect as high as a table 2 or table 4 from a few select life insurance companies.

With surgical removal, a possible standard can be obtained if all other health factors are in good standing.

Every scenario is different for every male, especially with the different company’s underwriting guidelines, variation in ages, variations in numbers and causes.

If you are looking for life insurance with elevated PSA levels, contact us today so we can help you with an accurate quote. We work with over 50 life insurance providers who are highly rated and reputable. Our goal is to find you the most affordable coverage, and the more information we have up front the better success rates we have.

Leave a reply