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Life Insurance with BPH or Enlarged Prostate: +Tips To Save

by Jeff Root

Last Updated: June 2020

We speak with a lot of men that have an enlarged prostate or, Benign Prostatic Hyperplasia (BPH) that are struggling to understand the best approach when trying to purchase life insurance.

This article is to help this group of men find the absolute best life insurance coverage while suffering from BPH or an enlarged prostate.

Before moving forward, if you’ve been diagnosed with Prostate Cancer or have elevated PSA’s, this article will be more helpful in your search.

We’re very aware that BPH drives up PSA levels so if you already have elevated PSA’s, please click over to that article for the most accurate information about how to obtain and be approved for life insurance coverage.

Here is what we will cover in this article:

  • Life Insurance with an Enlarged Prostate
  • Life Insurance with BPH: Here is What to Expect
  • How To Get The Best Life Insurance Rates with BPH
  • Guaranteed Acceptance is Always an Option for Life Insurance Coverage
  • Obtaining Life Insurance with an Enlarged Prostate is Possible with an Independent Agency

Life Insurance is Boring. Let’s Get To The Root Of It! Here are the key takeaways…

It is possible to be approved for life insurance with BPH or an enlarged prostate if it is detected early and treated before it has become prostate cancer or caused elevated PSA’s. If you have BPH under these conditions, you can expect to be approved at standard rates in most situations.


Life Insurance with an Enlarged Prostate

Benign Prostatic Hyperplasia is very common.

In 2010, up to 14 million men had symptoms of BPH and studies show that it affects over 50% of men between the ages of 50 and 60 years old.

Yet life insurance companies still give you a hard time about it. With good reason, too- it’s one of the early symptoms of prostate cancer.

The good news is that obtaining life insurance with BPH or enlarged prostate is relatively easy to do and at decent rates assuming that you have caught the symptoms early and treated the issue before it has had the chance or escalated into something more serious.


Life Insurance with BPH: Here is What to Expect

Let’s cut to the chase.

If it’s been detected early, it doesn’t cause frequent and increasing symptoms of urine retention or pain, and if prostate cancer hasn’t been diagnosed, then Standard rates are available (with certain carriers).

If you’ve come to this article because you’ve received a substandard rate, then you probably used the wrong company or worked with an agent that does not have experience underwriting high-risk life insurance (more on this shortly)

Each life insurance company has different underwriting guidelines for BPH, so your rates will vary by the company you use.

What is unfortunate for some consumers in your situation, is that you simply do not know which companies will be more favorable towards BPH or an enlarged prostate.

Some men are probably wondering why Preferred rates aren’t available. Well, it’s typically a precursor to elevated PSA’s and Prostate Cancer.

Preferred rates are reserved for the best of the best. It’s for those people who don’t have any health history or problems. In other words, a “Standard” rating is what a normal person your age should receive and that’s the best-case scenario under the circumstances discussed above.

Specific Questions You Can Expect with BPH or an Enlarged Prostate

Anytime you apply for life insurance with any health history, specific questions will always arise about your specific health condition that you should be ready to answer in the most complete fashion possible.

With BPH or an enlarged prostate, you can expect the following questions to come up during the underwriting process:

  • If you’ve experienced any symptoms like discomfort or pain: underwriters are looking at your doctor’s notes in your APS for this information. They also want to look at how long you’ve been experiencing the discomfort and how you’re managing it.
  • Regular checkups with your doctor or urologist: they want to make sure you’re actively monitoring your prostate.
  • Other lifestyle choices, like smoking and exercising: the combination of other lifestyle choices will factor into their decision.

It’s important to discuss all of this with your life insurance agent before you apply.

We will use the information you give us to match you with a carrier that is more favorable towards your condition.


How To Get The Best Life Insurance Rates with BPH

The best way to get the best rates is to use an agent who has experience working with BPH cases.

We work with a lot of people who called one of the national call centers like GEICO,  SelectQuote, or AIG Direct because they advertise on TV and are a household name.

Truth is, these places are high volume call centers staffed with agents used to processing a volume of applications. It’s no wonder they’re paying more than they should be.

Having any health condition, even minor ones like Benign Prostatic Hyperplasia requires some extra research and extra work to get favorable approval.

We typically get a tentative offer from a life insurance company before even applying, assuming you’re serious. This takes some time to package up, send out, and then wait for a response from an underwriter.

On top of that, we’ll draft a cover letter to submit your application. We’ll “pitch” your BPH risk to an underwriter and paint your risk in the most favorable light possible.

In other words, we’ll go the extra mile to make sure you’re getting the best rate available on the market.


Guaranteed Acceptance is Always an Option for Life Insurance Coverage

With any health condition, you always have the possibility of applying for coverage and having a tough time being approved.

This can be especially true with BPH or an enlarged prostate if the condition has escalated into something more serious or if you have other underlying health conditions to take into consideration.

Put simply, high-risk life insurance can sometimes be complicated and it is always essential to understand that you have other options you can consider for coverage.

One of those options in this situation is guaranteed acceptance life insurance.

This life insurance coverage will not use your BPH or enlarged prostate against you and requires no medical exam.

However, be aware that certain stipulations do apply so it is important to discuss all options with your life insurance agent before ultimately coming to any conclusion.

Regardless, at the end of the day, some life insurance coverage in place will always be better than no coverage at all for you and your family.


Obtaining Life Insurance with an Enlarged Prostate is Possible with an Independent Agency

If you’re interested in purchasing life insurance, we’d appreciate the opportunity to earn your trust and business.

We understand underwriting life insurance with BPH or enlarged prostate and have handled these cases countless times with success.

We will show you all of your options, so give us a shout if you need some personal direction or quickly get a quote by using the form on our website.

Quick Tip: Choose “Regular” health class on the instant quote form on the right and compare life insurance rates for those with mild BPH.

About Jeff Root
Jeff Root
Jeff Root is the owner of Rootfin. He is an independent life insurance agent, licensed in all 50 states & the District of Columbia. Jeff is also licensed to sell disability insurance and medicare insurance. Jeff is an accomplished author and a speaker at industry-leading insurance conferences around the US. He has helped 1,000's of people purchase insurance online and over the phone.

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