Prostate Cancer On Active Surveillance? Wait And Watch… Or Approve!
Why it matters:
Prostate cancer is one of the most common cancers among men, but many cases are slow-growing and highly manageable.
What active surveillance means:
For select individuals, doctors may recommend “active surveillance”—a structured approach that monitors the cancer closely rather than moving directly to treatment.
With favorable factors such as low Gleason scores, stable PSA levels, and consistent follow-up, carriers may still consider these individuals insurable.
Case study:
- 65-year-old male, nontobacco
- $1 million of term coverage
- Family history of cancer – mother died from pancreatic cancer at age 83
- Prostate cancer diagnosed in 2021 – Gleason 6, clinical stage T2a, PSA 1.53
- No treatment. Cancer has remained stable under active surveillance with follow-ups every 6 months
- APPROVED at Standard Nontobacco class using healthy lifestyle credits
Bottom line: “Watching and waiting” does not have to mean waiting on coverage. With the right case positioning and carrier selection, our Underwriting Team can help secure the best possible outcome.
Have a case in motion? Our underwriting team is ready to help you navigate it faster—reach out today.