Life Insurance with High PSA

Hoping that someone here might be able to help.

Here's a quick summary so you can choose whether or not to read the rest of the details: I'm under 40 and healthy. But have a high PSA. Biopsies show no PC. But insurance companies are denying me life insurance, so I'm looking for alternatives. Any help is much appreciated!

A bit more detail:
I'm 39, but got my first PSA test Jan2013 as part of a life insurance physical. PSA was 7.17 and I was turned down due to risk of PC. Big surprise to me as many of you can imagine. So I went to a urologist who was also surprised due to my age and total lack of symptoms.

Subsequent tests the same year came back at 8.0 and 6.7. PCA 3 test showed 14, Negative.

In March2014, I got my first biopsy. Result was inconclusive, ASAP – atypical small acinar profileration. Second opinion at the University resulted in a benign diagnosis.

In Aug2014, I had a follow-up biopsy that over-sampled the area where the original ASAP diagnosis came from. Pathologist's report and opinion from the Urologist stated "did not show any evidence of prostate cancer, and given that this was your second biopsy, then your likelihood of harboring a prostate cancer is quite low.“

Thinking I might finally be in the clear, I submitted more life insurance apps. I had another PSA test that was through the roof (can't remember the number). My urologist advised that the blood was taken too close to my biopsy and it can be artificially elevated for as much as 6mos.

Despite all of this, I was still getting “no-go” responses from all of the insurance companies.

So I waited... it's now a year since my biopsy. Still no symptoms. Feel just fine. Last week, I had blood drawn again and my PSA came back at 11.0.

Of course, it's a blessing not to have the PC diagnosis. But it's also a major issue because life insurance companies won't let me get coverage. And that causes stress for me and my wife, thinking that I'm unable to provide support to my small kids and wife.

Anyone have recommendations? Been through anything similar?

I would like to help you.
I'm assuming that BPH, prostatitis, etc. were ruled out as causes for rising psa.

Here are the underwriting issues to overcome.
Diagnosis of ASAP - Are there definitive notes, pathology etc from August 2014 that rule out ASAP, or were those your doctors comments?
Has your doctor ever mentioned "high grade PIN" to you or any other possible causes?
The PSA reading through the roof...was it greater than 15?
Do you have another biopsy scheduled?
If yes, when?
What companies have you applied to so far?

From an underwriting standpoint, you may still be a postpone with many companies as most want to see a 1-3 year window before they will consider, others won't look until age 50 or beyond....but there may be a few.

If you want to stop by my site or give me a call, I would want a copy of the medical records, and will reach out to my underwriting contacts for consideration. Thank you.

(contact information removed - do not post personal contact information in open posts, and do not advertise - 142)

Post Edited By Moderator (142) : 9/17/2015 2:21:51 PM (GMT-6)

that's ok, I don't think this is very active...I sent an email to you using the email in your profile. Moderator removed contact info but you will also find me on twitter using my member name.