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Can You Get Life Insurance after Prostate Cancer?

life insurance with prostate cancer

Written By Doug Mitchell

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA.  Doug has spent close to 30 years in the insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health.  Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

Holly Mitchell  &

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.

Rob Pinner   &

Rob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002.

Louis LaBash

Results-driven and innovative life insurance professional with 30 plus years of life insurance industry sales and marketing experience. Recognized as a pioneer in the field, leveraging phone and internet channels to exceed personal sales of over $100 million during the first decade of the 21st century. Creator of a highly effective intuitive IUL life insurance sales software that facilitated the sale of millions of dollars of indexed universal policies by numerous life insurance agents. Proven track record as a Managing General Agent (MGA), Life Agent, IUL Life Insurance Sales Software developer, and leading-edge creator of insurance marketing tools, educational content, and delivery systems.

Table of Contents

Shopping for life insurance can be troublesome, and it’s even harder if you have a health problem, like prostate cancer.

Your medical history and any previous problems are going to be hurdles to get coverage, but they won’t stop you.

Prostate cancer is the most common cancer that men get. We’ve written this article to discuss what happens when you need to get life insurance post prostate cancer.

What do life insurance companies look for when evaluating your specific situation and what you can expect will be covered.

Factors Life Insurance Companies Consider

Life Insurance after Prostate CancerLet’s first discuss the biggest factors that insurance carriers look at when considering whether or not to approve your application.


The age you were originally diagnosed can make a big difference between an approval or denial for coverage.

For example, if you were diagnosed at age 40 and it has been about a year or two since successful treatment, you may have to wait longer to get approved, perhaps up to five years.

However, if you were diagnosed at age 60 with low-grade prostate cancer and successfully treated, you can get coverage immediately after treatment.

The reasoning behind this is that prostate cancer is much more common in your 60s than in your 40s- and insurance companies are more concerned if you were diagnosed earlier in life.

Gleason Score

Your pretreatment Gleason score is an indicator of how likely that cancer will spread. The range of Gleason score is between 2-10. A Gleason score of under 7 will help make your case more favorable to a life insurance underwriter. Pre-Cancer PSA

Your Pre-Cancer PSA is also a factor that insurance companies will look at. The lower the number the better off your overall case will be.

Stage and Grade

One of the most important factors is the stage and grade of your cancer. The lower the stage the easier it will be to get coverage right after successful treatment.

If your grade and stage were higher there may be an initial waiting period post-cancer before you can get approved. The items above – Stage/Grade, Gleason, Pre-Cancer PSA,

Age, as well as treatment, combined with how long it has been since you successfully completed treatment paint a picture of your situation to a life insurance company.

Any other factors such as your overall lifestyle, height/weight, if you have regular follow-ups with your with a physician can help influence, or make a case of why you should be approved for coverage.

We frequently include a letter with your application outlining why you should get approved for coverage -painting a favorable picture so that an underwriter can understand your situation and overall risk to the insurance carrier can make a difference between approval and a decline.

That’s why you should join up with a high risk or impaired risk life insurance agent.

No Medical Exam Life Insurance

While we don’t recommend a no exam policies for the first choice, they are there if you need them. You don’t have to be a life insurance genius to decipher these policies. Life insurance without the medical exam.

The obvious advantage is that these plans allow more applicants to get insurance coverage without fear of being declined for insurance coverage.

One of the benefits of these no exam policies is how quickly you get a decision. Without the long process of the exam, the whole thing goes much faster. Instead of waiting for more than a month, you can get a plan in days.

No exam policies sound great, who wants to give a blood sample? The problem is these policies are expensive.

Getting Cheaper Life Insurance

We hear a lot of excuses as t why people don’t have life insurance, but the one we hear the most is, “I can’t afford to have a plan.” Sure, everyone’s finances are different, but policies are cheaper than you may assume.

Your premiums are based on a lot of factors. One of those is your tobacco usage. The first thing we tell people is to quit the smokes. There is no way around is, smokers pay double. Even if you’re a marathon runner in sparkling health.

Because you have a history of prostate cancer on your medical records, you’ve already got one strike against you, which means that you’ll need to improve the other areas of your life to give yourself the best chances to get an affordable plan.

Some companies are stricter on their underwriting for applicants with prostate cancer. Those companies might decline you. The goal is to avoid these companies.

Instead of stumbling through the search alone, we can navigate the different companies for you. We have the ability to sell you a policy from over 50 companies. Getting declined for life insurance is not fun, and we can save you the pain.

Choosing The Right Life Insurance Company

Our expertise is evaluating your situation and finding a life insurance company that will approve you at the best possible rate. Since we represent over 30 life insurance companies, we can shop your case and find the best option for you.

We know that planning your own passing is not a fun task, but it’s one of the important things that you can do for your family. If you’ve been declined before or you’re confused about some of the life insurance factors, let us know.

We have years of experience working with our clients. We have helped countless people get the perfect life insurance plan after cancer.

To get a custom quote, fill out the form on this page, or call us at 800-712-8519. We look forward to speaking with you.

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Picture of Doug Mitchell, CLU

Doug Mitchell, CLU

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA. Doug has spent close to 30 years in the life insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health. Some other notable items about Doug: Top of the Table Million Dollar Round Table member (MDRT). (MDRT is a global, independent association of the world’s leading life insurance advisors) | Premier Partner with Lincoln Financial and Cabinet Member | Served two years as President of the Auburn/Opelika Association of Financial Advisors | Life Millionaire status at Horace Mann Insurance Company and was awarded the Life Agent of the Year Award | New York Life, Executive Council Member | Currently serves as President of Ogletree Financial, a life insurance General Agency. | Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

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