Long-Term Care Insurance and Enlarged Prostate
Long-term care insurance and enlarged prostate may not seem like they go together. Shopping for a long-term care insurance policy may seem difficult especially if you have enlarged prostate. Getting long-term care insurance with enlarged prostate is possible if you work with an experienced long-term care insurance specialist who is familiar with each company’s underwriting criteria and can help you shop for a policy.
Can I qualify for long-term care insurance if I have enlarged prostate?
If you have enlarged prostate you can qualify for long-term care coverage. Every insurance company has different criteria to determine who they can insure. It’s important to work with an experienced, independent agent who is familiar with the four main types of long-term care coverage. An independent, long-term care specialist can recommend the perfect policy for you based upon your history of an enlarged prostate.
Which type of long-term care policy should I buy if I have enlarged prostate?
There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. The best type of policy for men with enlarged prostate is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.
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Will I pay more for long-term care insurance if I have enlarged prostate?
Every long-term care insurance company is different. Some long-term care insurers may charge men up to 20% more if they have an enlarged prostate. Other insurers don’t. That’s why it’s important to work with a long-term care insurance professional who can help you shop around and compare several different policies.
Can I qualify for long-term care insurance if I have a family history of enlarged prostate?
Yes, you can qualify for long-term care insurance if you have a family history of enlarged prostate. Most long-term care insurance companies are not concerned when there’s a family history of enlarged prostate.
If I have enlarged prostate will I have to take a physical in order to qualify for long-term care insurance?
Most long-term care insurers do not require a physical if you have enlarged prostate. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you based upon your health history of an enlarged prostate.
Can I qualify for long-term care insurance if I’ve already applied for and been denied coverage due to enlarged prostate?
Long-term care insurance specialists have less than 20% of their applicants declined. Insurance “generalists” have about 50% of their long-term care insurance applications declined. With over 25 years of experience, we can pinpoint exactly which company (and which type of policy) you’ll be able to qualify for. We have about an 80% success rate in helping our clients get approved even if they were previously declined.
If you have enlarged prostate, a long-term care insurance specialist will ask you the following questions to determine if you can qualify for a long-term care insurance policy and calculate your premium:
When were you first diagnosed with enlarged prostate?
What prescriptions have you taken in the last year for enlarged prostate?
What have your PSA readings been over the last year or two?
Request a 15-minute phone call from an LTCi specialist. No obligation.