Life Insurance with an Elevated PSA
[Can You Get Coverage? Yes!]

Life Insurance with an Elevated PSA

Obtaining life insurance with an elevated PSA may be intimidating to you.

Anything that involves the prostate or that can deal directly with something such as cancer, or even prostate cancer may feel like a daunting task.

We have been handling these high-risk life insurance cases for a long time now, and we often get asked several questions per day about various conditions. In recent time, it was involving the PSA.

Can I get life insurance with an elevated PSA?

Here is what I can tell you on this subject.

So, can I get life insurance with an elevated PSA? Yes, you can get life insurance with an elevated PSA. Factors such as your actual PSA levels, if prostate cancer is involved and your overall health will determine your eligibility to obtain life insurance with elevated PSA levels.

That doesn’t entirely cover this subject at the depth. I’m sure you would like a bit more information and I would like to provide just that.

In this post we are going to try and paint a picture of what obtaining life insurance with elevated PSA levels will be like for you and what you can expect to take place during the application process.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.


Let’s start diving into some of those details now.

More About Life Insurance with An Elevated PSA Level

PSA refers to Prostate-Specific Antigen. This is the protein that is produced by cells in your prostate gland. When you go to the doctor for a yearly physical, you can often have the test performed to gauge this number.

The specific test is referred to as a PSA Test.

It’s going to measure the amount of PSA that’s currently in the blood.

The problem you often run into with an elevated PSA is that it can usually indicate that you have prostate cancer, but this isn’t always the case.

If, however, you do have prostate cancer, you run into more issues attempting to be approved for traditional life insurance or traditional whole life insurance.

Don’t fear anything just yet.

This isn’t always the case, and even if you did have prostate cancer, you still have options to obtain life insurance so stick with us for just a few more minutes.

To give you a full understanding of this subject, you need to be aware of how life insurance companies look at elevated PSA levels.

This alone will you give you an advantage and have you much more prepared to dominate the application process and work towards approval for your life insurance at rates you likely weren’t expecting.

What’s the Typical Scenario with Elevated PSA Levels and Life Insurance?

Unfortunately, one of the downsides to an elevated PSA is that it usually doesn’t cause any physical symptoms to be taking place.

This makes it hard for you to be proactive or realize that you even have an issue with your PSA, to begin with.

Sometimes individuals have elevated PSA levels from nothing related to prostate cancer and for reasons such as having benign prostatic hyperplasia or BPH.

It could also be a case where you are suffering from Prostatic.

Therefore, it’s so important not to jump the gun and to give the life insurance company the opportunity to do their diligence as well as your life insurance agent.

Until we have all the information in front of us, it’s tough to decide if you will be approved for life insurance or if we will have to consider other options for you.

It’s very common for men to have lower levels of PSA in their blood but high PSA usually only has a few causes which can often pose problems during the life insurance application process.

Once again, not always. Here’s a good look at what normal PSA levels should like for men at certain age intervals.

  • Age 0-50- 2.5 ng/ ml or less
  • Age 50-59- 3.5 ng/ ml or less
  • Age 60-69= 4.5/ml or less
  • Age 70 plus- 6.5 ng/ml or less

What Will the Life Insurance Process Look Like Now with Elevated PSA Levels?

The primary concern the life insurance company is going to have when it comes to elevated PSA levels is going to come down to a few factors.

First, they want to make sure that your PSA is not elevated due to prostate cancer.

Secondly, they want to make sure that you are actively monitoring the situation, following up with your doctor and taking the necessary steps to keep the PSA under control.

To determine if you are eligible for life insurance they will get specific about the questions that they ask when it comes to your PSA. They will ask you a series of questions that look very similar to this.

After you answer these questions and at least realize that they will be a part of the application process, you can do a few other things to start becoming more prepared for the life insurance application.

Have all doctor’s information ready and the information we have discussed in this post prepared with answers to provide to the life insurance agent and the underwriting department you opt to work with during the process.

Additionally, be sure to continue seeing your doctor and keeping the condition monitored and under control.

This goes a long way the life insurance company and shockingly, most people fail to follow these steps which ends up creating a big problem and hindering your chances for getting life insurance coverage.

What to Do If You Been Declined for Life Insurance with Elevated PSA Levels?

If you have already been declined for life insurance due to an elevated PSA, breathe easy because we still have options.

You need to consider other options such as accidental death life insurance and guaranteed issue life insurance.

Companies offer these forms of coverage for a reason.

They ask zero medical questions and have a few stipulations attached to them, but they are still entirely viable options to get some form of protection in place for you and your family.

If you have been declined for life insurance due to these elevated PSA numbers, consider a company such as American General Life Insurance (Full AIG Life Insurance Review) Their guaranteed issue product is one of the best in the market, but you can also consider other top guaranteed issue provides such as Gerber Life Insurance Company or Great Western Life Insurance Company.

What’re the Next Steps?

If you are ready to give this process a shot (which you should) consider filling out the quote form on the right-hand side of the screen (unless you are on mobile, then use the orange button on the top of the screen).

Compare rates from over 50 of the top life insurance companies.

This is going to give you a good gauge on where you may land and allow you to shop your own rates with all the life insurance companies we all love and trust.

If you prefer to speak to an agent, just call the number at the top of this screen.

We are always here to help and are experts at finding your life insurance coverage with elevated PSA numbers.

It’s what we do, and we have been doing it for a long time.

Final Word, Yes, You Can Get Life Insurance with an Elevated PSA, Just Get Started

To-re-emphasize, life insurance with elevated PSA is 100% possible.

All you need to do is go through the process. Sure, it asks several questions and has a few steps involved but at the end of the day, protecting your family is what matters most.

Don’t let something such as an elevated PSA number hold you back from a peace of mind and ensuring that your family is protected if you pass away prematurely.

Again, start with the instant quote form on this page, look at the rates and begin the process.

We promise it will turn out much better than you are probably thinking it will. What are you waiting for?

FILED UNDER – CANCER / PROSTATE

Resources: rd.com