Action will vary according to the stage (size) and grade (degree of cell abnormality often described as well, moderately or poorly differentiated), as well as metastasis (spread) of the cancer. This information is available from the pathology report.
The time frames given are measured from the point at which all curative treatment (surgery, chemotherapy, radiation therapy) is completed.
Early stage tumors (Ti, TX) Grades 1 and 2' can be considered within the first two years after removal of the prostate (radical prostatectomy) or radiation therapy with a $20 pr $25 flat extra/thousand for a period of years depending on time elapsed. May be considered for Standard at ages 70 and over.
Two years after the date of the treatment for early stage tumors, and for larger tumors with no metastasis, depending on age at diagnosis and pathology of the tumor, may be considered with a flat extra/thousand ranging from $15 to $5 for a period of years depending on time elapsed.
When a rising PSA (Prostate Specific Antigen) signals recurrence three or more years after a previously treated early stage prostate cancer but there are no other signs of a tumor, we may be able to offer a mild to moderately substandard policy.
Life Insurance Solutions, in summary when underwriting a prostate cancer disease history, suggests for those persons looking for life insurance for prostate cancer, the following factors are very important in assessing the risk:
- Stage?
- Gleason Score (Grade)?
- Date of diagnosis?
- Type of treatments?
- Date all treatment was completed? Include any recurrences.
- Date of most recent follow-up?
- Most recent PSA level?
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