MEN & HEALTH: story about prostate cancer and life insurance issued.

Prostate cancer remains the most frequently diagnosed cancer among American men. According to recent data from the American Cancer Society, an estimated 299,010 new cases were diagnosed in 2024, which grew to 313,780 cases in 2025, and is projected to reach 333,830 new cases this year.

This upward trajectory means more men than ever are navigating the realities of a diagnosis. 

Good news. However, a rising diagnosis rate does not automatically mean aggressive medical intervention. Many of these cases are slow-growing and highly manageable. For select individuals, doctors recommend "active surveillance"—a structured approach that monitors the cancer closely rather than moving directly to treatment. 

When an applicant has low Gleason scores, stable PSA levels, and consistent follow-up, life insurance carriers may still consider them insurable. The key to success is working with an experienced insurance advisor who knows how to position the case and select the right carrier.

GOOD NEWS - Case Study:

Consider a recent success story from our underwriting team:

• Applicant: 65-year-old male, non-tobacco user

• Coverage: $1,000,000 Term Life Insurance

• Family History: Mother passed away from pancreatic cancer at age 83

• Medical Profile: Prostate cancer diagnosed in 2021 (Gleason 6, clinical stage T2a, PSA 1.53)

• Treatment Status: No active treatment; cancer remained stable under active surveillance with 6-month follow-ups.

Despite the cancer diagnosis and family history, the applicant was APPROVED at a Standard Non-Tobacco class by utilizing healthy lifestyle credits. 

What To Do Next

Before submitting an application, gathering the right medical details is crucial. Underwriters will review your prostate cancer case history by asking these six key health questions:

• What was the date of your initial diagnosis?

• What is your exact Gleason score from the biopsy?

• What are your latest PSA readings and your PSA velocity?

• What clinical stage was assigned to your cancer (e.g., T1c, T2a)?

• How frequently do you follow up with your urologist?

• Have you had recent imaging, like an MRI, showing stability?

The Bottom Line

"Watching and waiting" for your health does not mean you have to wait on securing life insurance coverage. With aggressive advocacy and precise case positioning, experienced life insurance advisors know how to secure the best possible life insurance application and case support materials ahead of time. Many times anticipating what the underwriters want when walking through their review.

Ask for our High-Risk preliminary application for your completion and to begin a conversation today.

CONTACT: js@joesimon.solutions

This is for informational purposes only. For medical advice or diagnosis, consult a medical professional.