"Long Term Care..."

I was pleased to receive notice from my professional architecture society that it had made arrangements to offer the membership discounted rates on Long Term Care Insurance policies.  I contacted the recommended agent who came to the house and presented that he was able to write policies for a few months longer at rates that were equal to policy rates of five years ago...extremely competitive.  The policy with the current most notable provider of this type of insurance would save at least $2,500 per year less than other quotes I had received.  After he explained the policy provisions, he interviewed me to fill out an application.  With my non-smoking, limited drinking, daily exercise, good diet, good annual physical ("clean bill of health") results of one month prior, "underwriting" would have no problem issuing the policy.  No doctor's visit or medical records transfer would be required as part of the arrangements made for the group policy, but I could expect to be called to determine that I am "mentally coherent"!  A caller might contact me to give me a list of names or sentences  that I would need to repeat back by memory under an "honor system" (although since it was a phone call, the agent related that some have been known to write them down to assist with the memory!) the list.  I gave my credit card (travel miles!) for the first two month's premium, and I was told that I should expect the issued policy in 1-2 months.   After a month, I checked the status of my application and was told that it was in "underwriting" and I should receive the policy soon.

A few weeks later I received a letter from the provider that due to an undisclosed high PSA prostate test result in my December physical, three months prior, the policy would not be issued, and a check for my paid premium was enclosed!  The letter added that with a response from my primary doctor, that the test results were incorrect, my application would be reconsidered.  This was a surprise, because it had been years prior that I had any symptoms of "evening frequency" or "strong elimination urges", and as mentioned, I had been told after a physical exam and blood testing, that I had no issues with anything!  After a few days of (typical) unanswered phone calls to my doctor's office, and two drive up-drop ins, I finally got to see the doctor. He related that my PSA result had been 6.4 (above 4, plus patient family history) was considered an alert.  "And wouldn't have been good medical practice to contact me?"  He arranged to have my PSA retested and agreed to write a letter after my anticipated good results would arrive. I contacted the insurance agent to give him the good news and he said that he would be able to expedite the policy issuance at the lower rate upon receipt of the doctor's letter...