Sexual Desire And Response
A person’s sexual response is a cycle of changes that occur in their body. There are 4 phases to sexual response:
- Sexual desire is when a person has interest in having sex.
- Sexual arousalis the excitement a person with sexual desire can have.
- Orgasm is the peak of sexual excitement when pleasure is highest ejaculation occurs in men during this phase .
- Resolution happens when the body recovers and returns to its usual state.
Keep in mind that the male sexual response cycle is somewhat independent from other parts of the response cycle. Thats why, after some types of cancer treatment, a man may still desire sex and be able to ejaculate but not have an erection. Other men may have the feeling of orgasm along with the muscles contracting in rhythm, even though semen no longer comes out.
Will I Pay A Surcharge
Depending on your specific diagnosis and how much time has passed since your treatment, you may qualify for Standard pricing. This means you would pay the regular premium rates for your life insurance policy.
However, sometimes your policy will be Rated. Rated policies are typical if your prostate cancer was more advanced. Even so, there are still affordable life insurance policy options.
Getting Coverage After Cancer
Life insurance companies typically want to see that youve been cancer-free for a certain number of years before theyll consider insuring you. The number of years depends on the type of cancer you had.
Some forms of cancer are considered less severe or life-threatening due to high rates of successful treatment, Pinney says. These types typically have shorter waiting periods than more severe and complex cancers that can often involve radiation, chemotherapy and even bone-marrow transplants.
Generally, less-severe forms of cancer can have waiting periods of one to three years after the date of last treatment, Pinney says. Other more severe forms may be as long as five years.
The waiting period also depends on the severity of the cancer you had at the time of diagnosis. For example, a woman with breast cancer caught earlyin stage 1 or 2is going to have a shorter waiting period for getting life insurance than if she had stage 3 or 4 breast cancer, Pinney says.
Waiting periods can also vary from insurer to insurer. However, heres a sample of waiting periods for various types of cancer from the Trusted Choice network of independent insurance agents:
Bladder cancer 2 years
Skin melanoma 1 Year
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What Kind Of Information Will Insurers Need
Each insurance company has its own way of dealing with applications for life insurance from people who have cancer or who had cancer in the past. Your financial adviser or broker will advise you about this.
Usually insurance companies write to your hospital consultant and ask for information about:
- The type, grade and stage of cancer you had
- The length of time since your last treatment
- Your prognosis
Insurance companies have a duty to base their assessment on information which is accurate and from a reliable source. They also may ask for a medical examination. Dont be surprised by this as it is a fairly common practice.
Insurance companies cannot by law look for genetic test results from anyone applying for life insurance . However, insurance companies can still request family history details.
Which Insurance Companies Offer Prostate Cancer Life Insurance
Many insurance companies can offer prostate cancer life insurance, however rates will vary depending on the severity of your condition and time post treatment. If you are having difficulty finding prostate cancer life insurance cover that works for you, a specialist insurance company like Iam Insured can help.
Iam insured are experts on Prostate cancer life insurance and authorised and regulated by the financial conduct authority. Registered in England and wales, our specialist advisors can help find the right insurance for you. To speak with one of expert Prostate cancer life insurance advisors, contact us now on or send us an email .
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Best For Patients In Remission: John Hancock
If your cancer is in remission, consider a life insurance policy from John Hancock, which has affordable coverage and a healthy living program for even more savings.
Term and universal life insurance
Vitality program rewards you for healthy living
High coverage limits
Offers a variety of online tools
Must work with an agent to get a quote
Doesnt offer whole life insurance
When your cancer goes into remission, you have more options for life insurance, but youll likely pay a very high rate. We recommend John Hancock to people who have survived cancer because the policies are affordable, and you might be able to avoid a huge premium. You can also enroll in the companys Vitality program to get an even better rate.
Through John Hancocks Vitality rewards program, you could save up to 25% on your life insurance premium by tracking your exercise on a wearable device. The program also includes discounts on certain healthy foods at the grocery store, travel and hotel deals, retail discounts, and even a free subscription to the meditation app, Headspace.
John Hancock offers term life and universal life insurance policies but doesnt offer whole life insurance. Term life insurance is available in 10-, 15-, 20-, and 30-year term lengths, with coverage between $750,000 and $65 million. The company also sells universal, indexed universal, and variable universal life insurance, including cash value, flexible premiums, and an adjustable death benefit.
Sex And The Prostate: Overcoming Erectile Dysfunction When You Have Prostate Disease
If you are concerned about erectile function, its important to understand what erectile dysfunction really is. Failing to have an erection one night after youve had several drinks or even for a week or more during a time of intense emotional stress is not erectile dysfunction. Nor is the inability to have another erection soon after an orgasm. Nearly every man occasionally has trouble getting an erection, and most partners understand that.
Erectile dysfunction is the inability to attain and maintain an erection sufficient for sexual intercourse at least 25% of the time. The penis doesnt get hard enough, or it gets hard but softens too soon. The problem often develops gradually. One night it may take longer or require more stimulation to get an erection. On another occasion, the erection may not be as firm as usual, or it may end before orgasm. When such difficulties occur regularly, its time to talk to your doctor.
Erectile dysfunction can have many causes, including some forms of prostate disease and medications and surgery for prostate cancer. Fortunately, in many cases, this problem can often be effectively addressed. Some men find relief by taking medications to treat erectile dysfunction. If these arent effective for you, a number of other options, including injections and vacuum devices, are available. The possibility of finding the right solution is now greater than ever.
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Its All About You We Want To Help You Make The Right Life Insurance Coverage Choices
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships dont influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
One of the things that constantly surprises us as humans is how something so small can have such a large impact on a persons life. For those of us who work in the life insurance industry, we come face-to-face with scenarios every day that may seem small to the rest of the population but have huge impacts on life insurance premiums.
One of the high-risk diseases that gives us and many of our clients pause is prostate cancer. 1 in 7 men will be diagnosed with prostate cancer during their lifetime, and all start with one small gland specifically, the prostate gland.
In a healthy individual, this gland is small roughly the size of a walnut, and weighs about an ounce.
Best For No Medical Exam: United Home Life
United Home Life
Why We Chose It: United Home Life is our choice for no medical exams life insurance as it offers cancer patients a range of whole life policies with no medical exams or invasive testing.
Options for no medical exam
Excellent AM Best Rating
No public online quote system
Low coverage levels
United Farm Family Life, the parent company of United Home Life Insurance Company, started in 1937. Headquartered in Indianapolis, these companies now have a joint $2 billion in assets and over $20 billion of effective life insurance policies. United Home has an AM Best rating of A , meaning its in a solid position to financial obligations to policyholders.
United Home Life offers four simplified issue life insurance policies with no physical examination requirement, making it our best for no medical exam choice. These simplified issue products do not require medical exams, blood work, or statements from your doctor, but you will need to complete a 10-minute phone interview and answer health questions.
Plans include a no-cost Terminal Illness Accelerated Benefit Rider. This means that should you receive a diagnosis of a terminal illness, your policy will accelerate some or all of the death benefit, allowing you to live out your remaining time with added financial security.
Youll need to contact an agent to understand if youre eligible for these policies with a cancer diagnosis and what your costs would be.
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When Can I Buy Life Insurance As A Cancer Survivor
According to the American Cancer Society, a cancer patient is typically considered a cancer survivor after five years in remission. Once your cancer has been cured, most life insurance companies will approve any policy, with limited restrictions. Cancer survivors can purchase life insurance from any company, but keep in mind that you will still pay an above-average premium because cancer is considered a pre-existing condition.
Initial Application And Family History
During the initial life insurance phone interview, there is usually only one question about your family history that the life insurance providers will ask:
âHave your parents or siblings been diagnosed with, treated for, or died from heart disease, kidney disease, cancer, or diabetes?â
If your answer is yes, youâll need to share at what age they were diagnosed or died from the disease. If you disclose a family history of cancer, the insurance company will want to know which type ovarian, colon, lung, melanoma, breast, and prostate cancers are the most common ones that affect rates. Additionally, some insurance companies disregard gender-specific cancers like breast, prostate, or ovarian for opposite-sex applicants.
You wonât be rejected from getting life insurance coverage based on your answer, but you might receive higher premiums. Some companies wonât change your rates solely based on your family history if the cancers were diagnosed over a certain age â 60 or 70, depending on the insurer.
If youâre an older applicant, family history wonât affect your rates at all. Insurance companies do not take family history into account for applications over a certain age â 60 or 70, depending on the insurer.
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Prostate Cancer Income Protection
People who have suffered from Prostate Cancer looking for income protection will generally find that cover may be available as long as:
- There has been several years since treatment
- Depending on the Grade / Stage of the Cancer
Usually there will be a Cancer exclusion applied to Prostate Cancer income protection policies which will also depend on time since treatment and severity of condition. There may also be an additional premium loading for some Prostate Cancer income protection policies as with the other types of cover.
If you have applied for Prostate Cancer income protection in the past which has been agreed on special terms or if you have had cover declined in the past then it may be worth reviewing cover based on your current circumstances to see whether anything has changed.
Applying For Life Insurance With Prostate Cancer
One thing to keep in mind about prostate cancer is that, with early detection and breakthroughs in treatment options and methods of testing for the cancer, prostate cancer may not impact your lifestyle as much as you think.
This is because this type of cancer grows so slowly in men that, often, no treatment other than active surveillance is recommended.
Despite this, prostate cancer will impact your life insurance premiums. Here are a few things your agent and underwriter will need to know when underwriting your policy:
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Increased Adrenergic Response May Cause Ed And Luts/bph
Both urinary function and erection can be affected by changes in the smooth muscle tonus caused by increased adrenergic response. Unilateral sympathectomy in rats led to homolateral increase in prostate . Transgenic rats that are spontaneously hypertensive due to greater adrenergic tonus presented urodynamic characteristics similar to those of males with LUTS . Furthermore, the rats presented a deficient erectile response to electrical stimulus of the cavernous nerve .
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How Can I Get Life Insurance After A Cancer Diagnosis
Unfortunately, getting life insurance coverage can be very difficult if you’ve recently been diagnosed with cancer. However, some insurance companies may approve a guaranteed issue life insurance policy, so we recommend contacting several insurance companies to learn about their specific underwriting requirements and which policies you may qualify for.
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Driving And Brain Tumours
You must tell the DVLA if you have a brain tumour as it can affect your ability to drive.
You might not be allowed to drive for some time if you have a brain tumour. This depends on the type of tumour you have, where it is in the brain and whether you have any side effects from it such as seizures . It also depends on the treatment you have and the type of vehicle you drive.
Paying For Cancer Treatment And Costs With Life Insurance
Cancer patients that already have life insurance may be able to use their coverage while still alive, to pay for medical expenses or provide their family with supplemental income. Whether you can do so depends on the type of policy, your health and whether you added riders when purchasing your policy.
With a cash value life insurance policy, such as a whole life or universal life insurance policy, you can access its cash value through a policy loan or surrender. Surrendering your life insurance policy is similar to canceling ityou will no longer have coverage and won’t have to pay premiums. In return, you’ll receive the sum of the policy’s cash value minus any surrender fees.
Cancer patients can also take out a life insurance policy loan, borrowing up to the amount of the policy’s cash value. Since the insurer holds the cash value as collateral, there is no credit check, no repayment schedule and very low interest rates. The only downsides are that if your cash value drops to zero, your policy may lapse and the death benefit your beneficiaries receive will be reduced by the outstanding loan amount if you die.
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
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Prostate Cancer Life Insurance Amounts Of Cover
- The amount left to pay on your mortgage.
- Any outstanding debt
- Annual Income
- Any financial assets
If you feel unsure or require more information to decide how much prostate cancer life insurance you will require to secure your family and home, see our Iam Insured prostate cancer life insurance calculator .
Is It Safe To Travel
Speak to your doctor or nurse
Ask your doctor or nurse about how travel plans might affect your medical treatment. They may be able to suggest when is good for you to travel, and help you think about where to go and how long to go away for. Your doctor may advise you not to travel, or to delay your trip if it isnt safe for you. If youre unsure how your diagnosis or treatment could affect your travel plans, speak to our Specialist Nurses, in confidence, on 0800 074 8383.
Think about how youre feeling
Your cancer or treatment may make you feel tired or unwell. If possible, wait a few months after treatment before planning a trip. You may need to urinate more often after treatment and some treatments, such as chemotherapy, can make you more sensitive to the sun or increase your risk of infection. This may affect where you go, how long for, what you do while youre away and what you need to take with you.
See our Travel timeline for a breakdown of things you may want to do if youre planning to go away.
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How Is Prostate Cancer Diagnosed
Prostate cancer is diagnosed with a biopsy of the prostate. A biopsy is usually done if symptoms or a screening raises concern. A prostate cancer screening is a test your doctor uses to look for the disease before you have symptoms. There are two screening tests available: a digital rectal exam and a prostate-specific antigen test. You and your doctor will decide if you need a screening. However, these tests can only tell your doctor whether or not your prostate is healthy. Abnormal test results dont always mean you have cancer. How often you should be screened depends on your age and your personal risk factors.
During a DRE, your doctor will insert his or her gloved, lubricated finger a few inches into your rectum to feel your prostate gland. A normal prostate feels firm. If there are hard spots on the prostate, your doctor may suggest additional testing to check for prostate cancer.
During a PSA test, you will get a blood test. A blood test involves inserting a small needle into a vein in your arm to take a sample of blood. The test measures the level of PSA in your blood. Men who have prostate cancer may have a higher level of PSA in their blood. However, a PSA level can also be high because of less serious causes, such as infection or an enlarged prostate.
If your screening test results are abnormal, your doctor may recommend additional other tests to check for cancer. Those tests may include: