Uroxatral (alfuzosin) is one of those medications that shouldn’t really play a role in the outcome of a person’s life insurance application. That being said however, since Uroxatral is used to treat those with benign prostatic hyperplasia, any time you’re talking about an enlargement of the prostate, insurance companies are going to want to know that there isn’t any evidence of cancer which is usually determined by the value of one’ PSA level.
Before we can immediately say that a person who is currently using Uroxatral should still be eligible for a Preferred or Preferred Plus rate on their life insurance (assuming they would otherwise qualify), let’s take a quick look at what the insurance companies will want to know before they dismiss one’s benign prostatic hyperplasia as nonconsequential.
Uroxatral (alfuzosin) is a prescription medication in group of drugs called alpha-adrenergic blockers. Uroxatral is used to improve urination in men with benign prostatic hyperplasia and works by relaxing the muscles in the prostate and bladder neck making it easier to urinate.
Key Terms for review:
PSA: Prostate Specific Antigen.
PSA is a protein produced by the prostate gland, which can be used to screen for cancer and monitor the treatment of the disease.
Benign prostatic hyperplasia (BPH),
Benign prostatic hyperplasia is defined as an enlarged prostate gland. BPH is NOT cancer and is typically characterized by frequent urges to urinate, getting up at night to urinate and difficult maintain a “steady stream” during urination.
Prostate cancer is cancer that occurs in a man’s prostate gland. It is characterized by many of the same symptoms as benign prostatic hyperplasia such as:
- Frequent urges to urinate.
- Difficult starting urination or holding back urine
- Weak and interrupted flow.
With the addition of other symptoms which may include:
- Painful or burning urination.
- Difficulty having an erection.
- Painful ejaculation.
- Blood in urine or semen.
- And frequent pain or stiffness in the lower back, hip or upper things.
It goes without saying that anyone experiencing any of the previous symptoms should consult with his doctor.
Qualifying for Life Insurance with Benign prostatic hyperplasia (BPH).
The good news is that if you’re simply using your Uroxatral prescription to help reduce the symptoms that you’re experiencing as a result of your benign prostatic hyperplasia, you’re really not going to have an issue getting life insurance.
In fact, it’s not uncommon for many of these applicants to qualify for the best possible rate available, a “Preferred Plus” regardless of whether their applying for a term life insurance policy or a whole life insurance policy.
In general, insurance companies are going to be looking at what your current PSA level is in determining what rate class you’ll be eligible for.
If your PSA level is 4 or lower, then you will qualify for a preferred plus rate class, assuming no other health issues.
However, older men can have a higher PSA level and still qualify for a preferred rate class. For example, a PSA under 5.5 for a 60 year old male may still qualify for the best rate.
Similarly, a 70 year old man with a PSA under 7 can also qualify for the best rate class. Once again, assuming no other health issues.
Insurance carriers will also be interested in learning…
- When you were first diagnosed with benign prostatic hyperplasia (BPH)?
- What other prescription medications aside from Avodart, are you taking to treat you BPH?
- Have you ever been hospitalized for you condition?
- When was the last time you had your PSA tested?
- How frequently do you see your primary care physician?
- Do you have any other pre-existing medical conditions?
Main take away…
The main take away that we would like to leave you with when it comes to getting a great life insurance policy while taking Uroxatral is that you really shouldn’t have too much to worry about. You just want to make sure that your agent is familiar with what BPH is and doesn’t confuse it with prostate cancer!
Additionally, you’ll want to work with an agent that has access to dozens of highly rated life insurance companies so that if you don’t get approved at the rate that you were hoping for the first time, your agent will then be able to “Shop” your application to dozens of other insurance carriers so that you’re sure that your getting the best possible insurance policy that you can qualify for!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly you may also be interested in taking a look at our Life Insurance Quotes page where you can compare life insurance quote from companies that will require a medical exam vs companies that won’t require a medical exam side by side!
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.