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Posted 4/14/2009 1:46 PM (GMT -5)

I recently checked into getting a term life insurance policy and was told that the rates are at least double for life insurance until you hit the 4-year cancer free mark, when they drop significantly. 

I remember that Les posted a long time ago that his wife worked in the insurance industry and said it was 2 years post-treatment and cancer free.

Anyone have any personal experience with getting life insurance post-prostate cancer? 

Posted 4/14/2009 2:15 PM (GMT -5)

Different insurance companies - different rules/restrictions.

Some advertise - "No Questions Asked" but have a waiting period of at least 12 months.

There are thousands of companies/polices to chose from.

Posted 4/14/2009 2:17 PM (GMT -5)
I was told by my disability insurance company (AFLAC) that I had to be cancer free for 5 years before I could update my insurance.
Posted 4/14/2009 6:56 PM (GMT -5)
Prudential is known for having a very good post PCa life insurance program. There are lots to choose from, however. A quick call to an independent agent will probably answer all your questions. The average seems to be 5 year mark. Before this point, the premiums are quite excessive and the coverage may be minimal. I still have small kids and will be getting life insurance as soon as I am able.
Paul
Posted 4/15/2009 9:42 AM (GMT -5)
I am subscribing to this thread because I, too, am interested in this information.
Posted 4/15/2009 12:35 PM (GMT -5)
Life Insurance...

I only thought about it after the doctor said "You have cancer".
Posted 4/15/2009 1:11 PM (GMT -5)
I'm subscribing as well. I thought it was 5 yrs for medical insurance and 2 yrs for life insurance.

Posted 4/15/2009 1:34 PM (GMT -5)

Google-> Life Insurance and Cancer (and spend the next several days reading away!)

Buying life insurance after being diagnosed with cancer
http://www.insure.com/articles/lifeinsurance/cancer.html

Applicants with common and treatable forms of breast and prostate cancer may be able to get a "standard" rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a "substandard" or "high substandard" rating at best, or receive declines. Anyone with cancer that has metastasized likely won't be able to obtain a policy.

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