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Had surgery last year removed his prostate etc..
Cancer free now
Cancer free now
Male 65 $500,000 History Prostate Cancer
- Thread starter proadvisors
- Start date
- 3,764
Most life insurance companies will postpone you for a period of time after the completion of your prostate cancer treatment. The postpone period varies depending on how aggressive your prostate cancer was as well as the prostate cancer treatment used. Maybe Insurance monkey will come along here, and as an underwriter, let us know what all the determining factors are
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- #3
- 456
Yeah... I kind of figured that. I could of course go graded death benefit but ideally I'd like to avoid that.
- 25,900
Doubtful at $500,000.00.
Mat pretty much nailed it. First thing you need to do if see if he has the premium tolerance to warrant the time you will need to put into this. Quote him at say 6-8 tables to start. If he is still in do an in depth prostate cancer questionnaire such as stage, score involvement etc.. If (probably) that does not fly. Put him in your long term touch file say 4-5 years from now.
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- 456
250k would be a option as well. Anyhow if someone here is a specialist in the prostate cancer arena let me know. Thanks for the replies.
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His income is 500k so his tolerance premium wise should be there, as, long as he isn't going to end up paying more than the death benefit in 10 to 15 years.... Thinking of Annuity with increasing death benefit rider maybe...
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His income is 500k so his tolerance premium wise should be there, as, long as he isn't going to end up paying more than the death benefit in 10 to 15 years.... Thinking of Annuity with increasing death benefit rider maybe...
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Search for insurancemonkey on here and message him. He probably has a prostate cancer questionnaire that you could fill out, and get back to him. He would then be able to give you an idea of what rating may be possible, or If he would be a decline.
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- 456
Okay Matt thanks..
A FMO friend of mine says Sagicor would take him.
Does that sound accurate to anyone?
A FMO friend of mine says Sagicor would take him.
Does that sound accurate to anyone?
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The postpone period for just about any cancer is directly related to what the pathological stage was. Cancers caught early may have only a 3-6 month postpone as long as there has been good followup. Rates will alwaays be at their highest just coming out of the postpone period because remission is entirely unknown.
If you have a pathology, I can tell you what to expect from the Swiss and Gen Re guidelines.
If you have a pathology, I can tell you what to expect from the Swiss and Gen Re guidelines.
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Go here to get a questionnaire and get it over to me and I will have our underwriter take a look.
Place the Case: Prostate Cancer
Place the Case: Prostate Cancer
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Fantastic website, PICnic. Loaded with info.
