The prostate is a gland, about the size of a walnut, that surrounds the urethra at the base of the bladder and is part of the male reproductive system. Even though the most common cancer for men, prostate cancer is only the third most common cause of death from cancer in men of all ages, and is the most common cause of death from cancer in men over age 75.
Prostate cancer is rarely found in men under age 40. Most prostate cancers are adenocarcinomas, but another form is sarcoma, which have a worse prognosis. Detection of prostate cancer is usually made through blood tests and PSA screening, and typically found before any symptoms occur.
Once a PSA reading of 4.0 or higher is seen, typically the Dr. will request a biopsy be done to determine if there are signs of cancer. Treatment for prostate cancer may be done in several ways, including: prostatectomy (removal of the prostate), chemo and radiation, and hormone therapy. The primary questions to be asked of a proposed insured that presents with this history are:
The primary questions to be asked of a proposed insured that presents with this history are:
- What was the age at diagnosis and date when treatment ended?
- What was the Prostate Cancer stage and/or grade?
- What was the Gleason score? (a tumor grading, based on how different from normal tissue the cells are)
- How was the cancer treated?...and has there been any recurrence?
- What was the pre-op PSA reading?
- What is the current, or most recent PSA reading?... has there been good follow up?
Underwriting decisions for prostate cancer are based on the tumor grading and what the Gleason score and PSA were prior to surgery, as well as age and time since treatment ended. Diagnosis prior to age 50 or with a Gleason of 9 or greater will typically have a 5-year postponement period.
A lower stage/grade cancer and a Gleason of 2-6 often are available for offer as soon as treatment as been completed, typically in the Table 2-4 range, depending on the age. Standard offers are possible with low staging, usually at 5 years post prostatectomy, and 10 years if treated with radiation. Our free questionnaire will help you gather the necessary information.Download the Questionnaire