Burial Insurance with Enlarged Prostate: What You Need To Know
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Searching for burial insurance tailored for those with an enlarged prostate? Welcome, you’re in the right place!
When you’ve lived a long and fulfilling life, the last thing you want is for your loved ones to be burdened with the financial weight of burial expenses.
For seniors grappling with health challenges, like an enlarged prostate, the concern is even more pressing.
But here’s the good news: There’s a path forward that can protect your family’s financial future. And it starts with understanding burial insurance tailored just for you.
Table of contents
Understanding Burial Insurance for Those with an Enlarged Prostate
Burial insurance with an enlarged prostate is a type of life insurance that pays you a lump sum after death. Enlarged prostate is a condition where the prostate gland becomes enlarged and can cause many problems like urinary incontinence, erectile dysfunction, and even impotence.
It is a type of burial insurance that covers the cost of funeral or burial expenses in case the insured passes away. It is essential for men suffering from an enlarged prostate, which means that they have a condition that will eventually lead to them being unable to urinate and therefore die.
Burial insurance for enlarged prostate can be offered by many funeral homes as well as insurance companies. It will cover not only the expenses related to burials but also those related to cremations.
In addition, it provides monetary compensation if the insured dies before his policy expires or if his policy lapses, making him ineligible for coverage. This is a qualified health impairment and we have many options.
Burial insurance with an enlarged prostate is essential to life insurance because it provides financial security for those who have passed away, especially if they were in bad health before their death.
This policy aims to pay off debts that need to be paid and provide funds for certain expenses, such as funeral services, transportation costs, etc., so families do not have to bear these costs alone.
What are the symptoms of Enlarged Prostate?
Enlarged prostate is a common condition that affects men over the age of 50 and up to 90% over the age of 80. It certainly isn’t as serious as HIV/AIDS, but it’s something you need to watch.
It can be caused by several factors, including age, obesity, and genetics. The state may also be related to an enlarged prostate on a previous scan.
The symptoms of an enlarged prostate include:
- Difficulty urinating (dribbling) or recurrent urinary tract infections
- Painful urination or a frequent urge to urinate
- Urinary frequency and urgency
- Bland-smelling urine
- A small amount of blood in your urine
- Difficulty with urination
- Pain in the lower back, groin, or testicles
Key Considerations for Securing Burial Insurance with an Enlarged Prostate
If you’re a man who has been diagnosed with an enlarged prostate and you’re considering a burial insurance policy, or a cremation policy, there are some things to consider.
Firstly, it’s essential to understand what an enlarged prostate is. This condition is also known as benign prostatic hyperplasia (BPH). It occurs when the gland that contains urine and semen becomes too large, which can affect your health in various ways.
These include difficulty urinating, feeling pain in the bladder or prostate area, and problems with sexual function.
Death due to cancer or heart attack is unlikely if you have BPH. However, suppose you die from something other than cancer or other heart-related causes, such as stroke or high blood pressure.
In that case, your family may be able to get money from your insurance policy to cover burial costs.
It’s also a good idea to consult with your doctor before deciding about getting a burial insurance policy. They can advise you on whether or not this is the right decision for you, based on your health condition.
Is it worth buying burial insurance with Enlarged Prostate?
If you have an enlarged prostate and need to undergo surgery, you may be wondering if it is worth it to buy burial insurance with Enlarged Prostate. The answer depends on a few factors:
How much money are you willing to spend?
For some people, the cost of buying burial insurance with Enlarged Prostate could be less than the cost of the surgery itself. However, for others, this could be more expensive.
Who will pay for your funeral service?
If your spouse or partner is footing the bill for your funeral, then there is no need for burial insurance with Enlarged Prostate. Suppose it’s someone else paying for your service, such as a parent or child who has a generous inheritance from an elderly relative.
In that case, you may consider buying this coverage to protect yourself against unexpected expenses after death.
Will your family be able to afford a large funeral service?
Suppose you think that no one in your family will have enough money left over after paying off all other debts and bills before paying for your burial service.
In that case, this could mean they wouldn’t have enough money left over even after paying off all other debts and bills. Before you decide to get this coverage, ask yourself whether or not your loved ones can realistically afford a large funeral service without some life insurance.
Now that you know what factors to consider when deciding on whether or not to get burial insurance with Enlarged Prostate, it’s time to start shopping for quotes!
Is a Medical Test Required for Burial Insurance if I Have an Enlarged Prostate
Burial insurance for men with enlarged prostates does not require any medical tests.
The application for funeral insurance will only require you to answer a few basic questions about your health. No documents or samples of blood or urine will be required.
Usually, your insurance provider will approve you in minutes.
Burial Insurance Underwriting With Enlarged Prostate
What information do insurance companies typically seek during the underwriting process?
- Usually, we ask about your general health and if you have any other illnesses.
- Your medical history will also be discussed.
So if it’s a burial, cremation, or a pre need option, underwriting will be the same.
Health Concern:
The health questions posed by burial insurance companies differ from one another. An Enlarged prostate question will typically appear in two different application sections. It will appear in the knockout and graded areas.
Common Ways Insurance Carriers Ask about Enlarged Prostate
| Questions |
|---|
| Have you ever been diagnosed with or treated for an enlarged prostate? |
| Within the past two years, have you seen a doctor or other medical professional for an enlarged prostate? |
| In the last five years, have you had surgery or any other treatment for an enlarged prostate? |
| In the last twelve months, have you experienced any urinary frequency, urgency, or nocturia (awakening at night to urinate)? |
| In the last twelve months, have you experienced any increased urinary hesitancy or difficulty starting your stream? |
| In the last twelve months, have you noticed a change in the force of your urinary stream or been diagnosed with a weak urinary stream? |
| In the last five years, have you been told by a doctor that you have an enlarged prostate on a digital rectal examination (DRE)? |
Check The Prescription history
As part of underwriting, your insurer will ask you questions about your current prescription medications, including the generic names and dosages. It is a way of confirming your health status and avoiding red flags.
Common Medications for Enlarged Prostate
| Medication Name | Description |
|---|---|
| Flomax | Flomax is a medication man can take with an enlarged prostate or hyperplasia. It works by reducing the production of testosterone in the body, thereby slowing down the growth of the gland. |
| Eligard | Eligard works by blocking estrogen from binding to receptors on cells in the prostate gland. As a result, it reduces inflammation and the enlargement of your prostate. |
| Jalyn | Jalyn is another drug that blocks estrogen from binding to receptors on cells in your prostate gland. It is more effective than finasteride but has fewer side effects compared to finasteride. |
| Uroxatral | Uroxatral is a medication that blocks 5-alpha reductase (5AR), an enzyme that converts testosterone into dihydrotestosterone (DHT). DHT is believed to cause some cases of benign prostatic hyperplasia (BPH), so Uroxatral may help treat BPH and reduce its symptoms if you have BPH. |
| Proscar | Proscar is an oral medication for treating urinary retention and the symptoms of BPH. It works by reducing the amount of DHT in your body, which can help shrink the enlarged prostate gland. |
The insurance company will consider you a high-risk applicant if you take any of these medications.
What are the benefits of burial insurance with Enlarged prostate?
The benefits of Burial Insurance with an Enlarged Prostate are as follow:
Understand your medical condition
Knowing your medical condition can help you plan for your funeral and make the most of your final days. This will also help family members understand what they need to do to prepare for the future when they are gone.
Protect your assets
Suppose you’re planning on passing away soon. In that case, burial insurance with Enlarged prostate may be beneficial because it can protect your assets from having to go through probate and allow them to go directly into your loved ones’ hands after your death without going through probate first.
Save money on funeral costs
With burial insurance with Enlarged prostate, no one has to worry about paying out-of-pocket funeral costs because the policy itself covers them. This allows them time to focus on other things, such as grieving, instead of worrying about how they will come up with the money to pay for a funeral.
Give your family peace of mind
If you have young children, burial insurance with Enlarged prostate can give them peace of mind knowing that their future is taken care of financially. They won’t have to worry about how they’ll pay for your funeral or manage financially after you’re gone.
Provide for your loved ones
Burial insurance with Enlarged prostate can financially provide for your loved ones after you die. It can be highly beneficial if you have dependent children or a spouse who is not working. The death benefit can help cover everyday living expenses, pay off debts, or be put into a savings account for the future.
Best insurance policy options for Enlarged prostate
Enlarged prostate Has A Two-Year History
Most insurance companies would only offer you a life insurance policy with first-day coverage after you’ve been in complete remission and done with your treatment for a minimum of two years. This is called a two year look back.
Life insurance providers will consider your application more positively if you have been cancer-free for a long time.
More Than 2 Years Since Being Enlarged prostate Treated
The best prostate cancer burial insurance options are available to those who have completed treatment for prostate cancer and have been cured for more than 24 months.
Applicants with cancer whose last treatment was more than 24 months ago can now answer the cancer question honestly. Life insurance companies can offer you a level death benefit plan that covers the first day of your life if you have prostate cancer with a two-year look-back period.
Done In The Past 2 Years
Your beneficiary will receive 100% of the death benefit if you die for any reason on the first day of coverage. It is the best Level death benefit plan with first-day coverage.
Prostate cancer treatments on an insurance application:
Before approving your application for coverage and offering you a plan, insurance companies consider the following types of prostate cancer treatment:
A few of these medical treatments are:
- Prostate Cancer Treatments
- Castration
- Biological therapy
- Castration (chemical)
- Cryosurgery or Cryoablation
- Chemotherapy
- External beam radiation
- Radiation therapy
- Hormone therapy
- Transurethral prostatectomy
- Radical prostatectomy
As an enlarged prostate patient, you will undergo any of these treatments. Guaranteed issue life insurance will be your ideal option if you have had an enlarged prostate for a minimum of 24 months.
How to Get the Best Life Insurance with enlarged prostate
To get the best life insurance rates, you should always shop around. Don’t settle for the first quote you receive. You will also be more likely to get good coverage at the best price if you seek the assistance of an experienced insurance agent.
It would help if you started your research right after being diagnosed with an enlarged prostate. An insurance agent will work with multiple insurance providers to find the best rating and coverage from an insurance company that knows about enlarged prostates.
We have access to several top-rated A+ insurance providers so that you are guaranteed to receive the right policy. We also provide several free benefits in addition to our regular policies. Regardless of health, our primary goal is to offer insurance protection for everyone who needs it.
Fill out the quote form on this page or call us at (855) 380-3300 to get a quote for burial insurance so your family can start making the necessary arrangements.
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FAQs
Why’s it a big deal to have an enlarged prostate when I’m trying to get burial insurance?
Okay, so you know when you sign up for insurance, they’re super curious about your health, right? If you mention you’ve got an enlarged prostate, they might raise an eyebrow and think about it a bit. But, hey, it’s not a roadblock! You can still get covered.
I’ve heard insurance can cost a fortune with an enlarged prostate. Is that true?
Well, sometimes health stuff can change the price tag a bit. But here’s the cool thing: there’s a bunch of insurance choices out there. So, with a little bit of looking, you can snag a pretty decent deal.
What if things go south and my prostate issue gets worse? Am I still covered?
Yep! Once you’ve got that insurance in your pocket, you’re set. Just make sure you know all the nitty-gritty details of your plan. If you’re ever in doubt, ask!
How do I spill the beans about my prostate to the insurance folks?
Easy-peasy. When they ask you all those health questions, just be straight with them about your prostate. They appreciate the honesty, and it helps you get the right kind of cover.
Are there insurance places just for folks with health stuff like mine?
Totally! There are some superhero insurance companies that have a soft spot for people with specific health quirks. A quick chat with someone in the know, or maybe a bit of online digging, and you’ll find them.
Conclusion
If you are considering burial insurance and have an enlarged prostate, it is worth getting a quote to see if you qualify for coverage. An enlarged prostate can be a qualifying condition for many life insurance companies.
Your golden years should be about peace, joy, and leaving behind a legacy, not worries. Even with health conditions like an enlarged prostate, you can secure your family’s future.
Dive deep into your options, ask questions, and remember: There’s always a way forward.
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