Perhaps you’ve been doing your research and you are now narrowing down your choices;maybe you have even picked the perfect plan. Did you check out VPI pet insurance? Or maybe you looked at Embrace Pet Insurance?If you have, the company you’ve chosen is still just a name and a website; how do youknow they’re really right
Prostate Cancer and Life InsuranceProstate cancer is the most common of all cancers in men. Men over 50 aregenerally screened as part of a regular checkup by a combination of digital rectalexam and a PSA (Prostate Specific Antigen) blood test.Prostate cancer is also one of the most curable forms of cancer. Possibletreatment programs range from “watchful waiting” in older men; to completeremoval of the prostate gland in others. Treatment choices are based not onlyon age, but the stage and grade of cancer at discovery. Stage refers to the sizeand the extent to which the cancer has spread to other surrounding areas; whilegrade is an indication of how aggressive the tumor appears. Both scores are usedby the underwriter in determining insurability.About 75% of all men in their 80’s will test positive at biopsy for this type of cancer. However, because of the typically slow growth characteristic of prostatecancer, life expectancy is usually less than the time for the cancer to become aproblem.While there are differing points of view in the medical profession regarding theuse and appropriateness of the PSA in predicting prostate cancer, life insurancecompanies generally rely on scores below 4 in applicant’s blood tests to screen forthis issue. Scores above 4 generally require a recent negative biopsy before theapplicant is considered for coverage.Generally, life insurance companies are conservative by nature and especially sowith most types of cancer. However, with certain life insurance companies,prostate cancer may be an exception to this rule. For example, older men may beeligible for a “standard” rating on permanent policies even when the cancer hasnot been removed, as long as the PSA score is below 10.