LOW PSA and Low % Free PSA

  An insurance company has declined my application for
  life insurance based on the following lab results:
  Total PSA      1.8
  Free PSA        .3
  % Free PSA    16.7%
  Everything I've read to date addresses the relationship
  of a Total PSA above 4.0 and a low Free PSA %, but does not      
  address my situation of a LOW Total PSA and a Low Free PSA %.                            
  I am 55 years old and in perfect health in every other area,
  have no family history of PC, so should qualify for the
  lowest insurance rates available.
  Please help me to understand why an insurance company
  might classify me as uninsurable.  
  Thank you.

[hfhs M.D.-AK]

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Dear Richard,
I don