The good news is that companies are now available that will offer you competitive rates! The bad news is that if you don't get to the right company, you will be paying too much for your coverage!!! LifeInsuranceAdvisors.com offers you the following free information about life insurance underwriting.
Visit our "Health Issue???" section at http://www.lifeinsuranceadvisors.com/health-problems-life-insurance.html for questionnaires and additional information about prostate cancer.
How Underwriting Works:
Insurance companies want to know the following information in order to determine your rate for coverage:
- How old were you when diagnosed with prostate cancer?
- What date prostate cancer was diagnosed?
- What was the stage of the cancer?
- What was the Gleason score?
- What was the pre-treatment PSA level?
- How was your cancer treated? By surgery, radiation, seed implants, etc?
- What is post treatment PSA level?
- Has there been any recurrence?
- Do you have any other medical conditions?
Underwriting Varies by Company:
Each company has its own underwriting guidelines and philosophy. There are some companies out there that will have no interest in underwriting you, OR they will underwrite you with a very expensive rate. The good news is that there are companies that specialize in underwriting prostate cancer history. They have an excellent understanding of prostate cancer and will make more aggressive offers to you depending on the above answers. Check out the underwriting information available at LifeInsuranceAdvisors.com today!
A Typical Case:
Male age 65: Looking for $500,000 of 10 year term insurance
Diagnosed at age 62 with prostate cancer: Stage 2 prostate cancer, Gleason grade 5, pretreatment PSA level was 18, no current detectable psa level. Prostate cancer was treated with radical prostatectomy.
On a case like this, we send the information out to a number of insurance companies for offers:
Company A = Table 2 offer = $5810 per year.
Company B = Standard + = $5890 per year.
Company C = Preferred = $4075 per year. This company specializes in underwriting prostate cancer history.
Getting to the right company can make the difference! At http://www.lifeinsuranceadvisors.com we understand underwriting and know which companies to go to based on your medical history. Give us a call today at toll free (800) 909-2040 for a free no pressure, no obligation comparison. We'll give you the information you need to make an informed decision about your life insurance.
