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Benign Prostatic Hyperplasia, Prostate Cancer and Life Insurance.


Life Insurance with an Enlarged Prostate.

In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after being diagnosed with an Enlarged Prostate or a condition that is commonly referred to as Benign Prostatic Hypertrophy or Benign Prostatic Hyperplasia (BPH).

Questions that will be directly addressed will include:

  • Can I qualify for life insurance after I’ve been diagnosed with Benign Prostatic Hyperplasia?
  • Why do life insurance companies care if I’ve been diagnosed with Benign Prostatic Hyperplasia?
  • What kind of information will the insurance companies ask me or be interested in?
  • What rate (or price) can I qualify for?
  • What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’ dive right in!

Can I qualify for life insurance after I’ve been diagnosed with Benign Prostatic Hyperplasia (BPH)?

Yes, individual’s who have been diagnosed with Benign Prostatic Hyperplasia (BPH) or an enlarged prostate can and often will be able to qualify for a traditional term or whole life insurance policy.  In fact, they may even be able to qualify for a No Medical Exam Term Life Insurance Policy at a Preferred rate!  Mainly because, developing an “enlarged prostate” is a pretty common problem for a lot of men and is generally considered just one of life’s wonderful “gifts” to us as we grow older.

Basically…

What happens is that the cells within the prostate gland begin to multiply, causing the prostate gland to being to swell.  This swelling in turns begins to push against the urethra and begins to display symptoms that many men over the age of 50 can attest to, including:

  • A frequent urge or need to urinate,
  • Late night visits to the bathroom (nocturia),
  • Weak urine stream,
  • Difficult time getting started when urinating,
  • The inability to completely empty one’s bladder,

And sometime the incontinence and/or sexual dysfunction.

The good news…

Is that while suffering from BPH certainly isn’t an enjoyable experience, it is treatable using either a variety of different prescription medications that will help one relax their bladder or actually shrink the prostate itself and in cases where medications aren’t effective, individuals may also elect to have a minimally invasive surgery performed to do the trick.

Additionally…

Being diagnosed with an enlarged prostate or a benign prostatic hyperplasia is not the same as being diagnosed with prostatic carcinoma or prostate cancer which may share many of the same symptoms of benign prostatic hyperplasia.

Why do life insurance companies care if I’ve been diagnosed with Benign Prostatic Hyperplasia?

The main reason why a life insurance company is going to “care” if you have been diagnosed with benign prostatic hyperplasia is because they are going to want to be certain that the reason why you are suffering from an enlarged prostate is because you’re simply suffering from what many would consider a normal part of aging and not actually exhibiting early signs of prostate cancer!

This is why…

Prior to being approved for a traditional term or whole life insurance policy, most (if not all) of the best rated life insurance companies are going to want to ask you a series of medical questions about your enlarged prostate so that they can get a better idea about where or not it is something that they should be worried about.

What kind of information will the insurance companies ask me or be interested in?

Common questions you’ll likely be asked may include:

  • When were you first diagnosed with benign prostatic hyperplasia?
  • Who diagnosed your benign prostatic hyperplasia? A general practitioner or a specialist?
  • What symptoms (if any) led to your diagnosis?
  • Have you had a Prostatic-specific antigen (PSA) test performed? If so, what was your score?
  • Have you been diagnosed with any kind of cancer?
  • Are you currently taking any prescription medications?
  • Have any of your medications changed in any way over the past 12 months?
  • Has your doctor suggested that you might require some kind of surgical procedure to treat your enlarged prostate?
  • Have you used any tobacco or nicotine products in the past 12 months?
  • What is your current height and weight?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any kind of disability benefits?

Now at this point…

We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of “official” medical training and we’re certainly not doctors.  All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like this one, find and qualify for the life insurance coverage that they are looking for.

But…

Not so great if you’re looking for answers to any specific medical questions.  In cases like these, we would recommend that you contact a true medical professional who has the training to help.  For everyone else, you’re in luck because now we’re going to get into some of the “nitty gritty” about what you may or may not be able to qualify for.

What rate (or price) can I qualify for?

Generally what you’re going to find is that in most cases, once the “dust settles” and a life insurance company has had enough time to properly determine that you have not been diagnosed with prostate cancer and that you don’t seem to have an increased risk for developing prostate cancer simply being diagnosed with an enlarged prostate shouldn’t have any kind of affect on the outcome of your life insurance application.

Or in other words…

Whatever “rate” you would have been able to qualify for PRIOR to being diagnosed with an enlarged prostate gland should be the same “rate” that you should be able to qualify for AFTER having been diagnosed with an enlarged prostate!

“Which is great!”

Because now you ought to be able to “widen” your search when trying to determine which life insurance company for you to include those that might not only specialize in helping individuals who have been diagnosed with certain pre-existing medical conditions.

The good news is…

That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for.  Which brings us to the last topic that we wanted to take a moment and discuss which is…

What can I do to help ensure that I get the “best life insurance” for me?

In our experience here at IBUSA, what we have found that usually the folks who seem to find the “best” life insurance policy for them are those that:

  • Take their time reviewing their options.
  • Ask a lot of questions.

And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions, but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…

“One size fits all approach!”

The good news is that this is exactly what you’re going to find here at IBUSA!

Now will we be able to help out everyone who has been previously diagnosed with an Enlarged Prostrate?

No, probably not.  But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many Final Expense Insurance Companies so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be  some other “type” of product that you CAN qualify for.

So, if you’re ready to see what options might be available to you, just give us a call!

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