Life Insurance from Daniel Insurance Agency Life insurance news and articles. Save on term life insurance quotes http://www.danielagency.com Prostate Cancer and Life Insurance Alan Daniel Each year in the U.S. roughly 240,000 men are diagnosed with prostate cancer, according to the American Cancer Society (ACS). And for most new patients, decisions about which treatment to have or whether or not to even be treated at all are not clear-cut. It also makes many review their life insurance. Unfortunately most believe they will not be able to afford life insurance after treatment.

Prostate cancer treatments include surgery to remove the prostate gland, external radiation, cryotherapy (in which the tumor is treated by freezing it), radioactive seed implants, chemotherapy, hormone therapy, and watchful waiting. Seed implants, also called brachytherapy, are small radioactive pellets about the size of a grain of rice. The pellets are implanted into the prostate; they deliver radiation to the prostate cancer from the inside.

The life insurance industry for the most part is not to overly aggressive to taking risk given this disease. Although, there are life insurance companies that will write a prostate cancer survivor provided the gleason score is 6 or less, pre psa did not exceed 15 and post psa is relatively undetectable with one year post treatment in effect. There is a carrier that will consider Preferred rates subject to full medical underwriting of course.

Patients should learn as much as they can about their treatment options and make a decision that is best for them. When it comes to their life insurance, don't assume the cost will be prohibitive. As with treatment options be sure to speak with an agent who specializes in dealing with non-standard cases and will work with you to find the best quotes for you.

http://www.danielagency.com/prostate-cancer-and-life-insurance.html Diabetic Life Insurance Alan Daniel Diabetes affects an estimated 18.2 million Americans, and the number rises each year. The life insurance industry recognizes a type l diabetic or juvenile diabetic to be diagnosed under the age of 40. Most life insurance companies will not underwrite this type of risk or are highly rate for the disease. The key element a insurance company looks at is the control which is measured by the glycohemoglobin A1C level and total glucose level. The life insurance industry views good control if the A1C is 6.5 or less.

There is a carrier that will not rate a type l diabetic if their A1C level is 8 or less and the proposed insured meets all underwriting criteria as well.

Type ll diabetics or adult onset are more liberally underwritten in the life insurance industry. Some carriers will only entertain this risk if the A1C level is 6.5 or less. If higher a rating will be assessed to the base premium. Other carriers are more aggressive and will not rate up to an A1C of 8. Above 8 those life insurance carriers that will entertain this risk will assess a rating.

In addition to, weight, medication, overall health, and lifestyle is viewed when underwriting diabetics for life insurance. If you have type 1 or 2 diabetes, you know that blood sugar control, a balanced diet, weight management, regular exercise, and checkups are vital to your health. Taking special care of every part of your body to avoid serious complications is just as critical.

Among your biggest concerns with diabetes care are:
Foot infections
Chronic skin infections
Gum disease and tooth loss
Vision problems
Heart disease and blood circulation problems

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