How do you find the best life insurance rates if you had melanoma?
Check out how we were able to get a “standard plus” approval for our client, when most other companies would only offer “standard” rates!
As the most common cancer in the United States, with over 5 million people being treated every year, we help cancer survivors find affordable life insurance all the time.
Keep in mind that there is never any obligation or pressure with our life insurance service.
Skin cancer is the most common type of cancer we see in life insurance underwriting. Underwriting for skin cancer depends on whether you've had basal cell carcinoma, squamous cell carcinoma or melanoma.
Getting to the right life insurance companies is one of the most important factors with skin cancer underwriting as there are a handful of companies that will consider their best rate classes for basal cell and squamous cell as soon as treatment is finished. While melanoma is more complicated, some companies are more aggressive than others with their melanoma underwriting guidelines.
We will show you the companies available and explain to you why one company may be better than others for your medical history.
Typically, when basal cell carcinoma is diagnosed, it is removed surgically with no further treatment required. Basal cell does not spread to other tissues in most cases.
Basal cell skin cancer presents the least amount of risk to underwriters and you will find that the best rate classes are available as soon as treatment is complete.
The key to finding affordable life insurance after basal cell carcinoma is knowing which companies will consider you for their best rates. We'll show you those companies when we provide you with quotes.
Squamous cell carcinoma typically presents itself as a red patch or nodule and treatment is surgery to remove it. Recurrence is common and roughly 5-10% of individuals will develop cancer elsewhere.
From a life insurance underwriting standpoint, squamous cell skin cancer represents a more difficult underwriting issue than basal cell, but in most cases we are able to find affordable life insurance at "standard" rates or better.
Malignant melanoma is the most severe type of skin cancer we encounter. Melanoma is typically treated by removal of the skin and surrounding tissues plus a margin in order to ensure complete removal.
The availability of life insurance after melanoma depends on the staging and lymph node involvement. If any lymph nodes are positive, life insurance is not available for 5 years after the completion of all treatment.
Melanomas are measured according to the "Clarks Level" and Breslow Scales". The size and depth of the melanoma determines the Clarks level and Breslow scale.
Clarks levels are rated 1-5 with 5 being the most severe. Breslow scale measures the thickness of the melanoma with thicker melanomas representing a greater risk. Thickness of 1 mm or less represent the most favorable cases from an underwriting standpoint. Thicknesses greater than 2 mm represent stage 3 melanomas, and are difficult to insure without a lengthy postpone period.
Melanoma in situ and stage T1a melanomas may be insurable soon after surgery. As the staging increases, the postpone period increases before coverage will be available. There are many variables with melanoma underwriting, but we will work with you to understand your history so that we may effectively shop companies for you.
It depends on a number of medical factors including the stage, treatment received, time since treatment, etc. The best way to cover the marketplace for you is to discuss your history. Once we gather the information needed, we reach out to multiple companies for feedback (2-3 days) and upon receipt of feedback, we'll tell you what each company has to say and what to expect in terms of price.
With our life insurance service, there is never any obligation or pressure. We'll do the shopping for you as we work with the most competitive companies available for skin cancer, and know which life insurance companies will give you the most favorable rates based on your history.
Your pathology report is the best source of information. If you have it available, we can take it out to multiple companies for underwriting feedback, or you may read the information to us and we'll reach out to companies on your behalf. This allows us to cover many companies in a short period of time.
Dysplastic Nevi are unusual benign moles that may resemble melanoma. People who have dysplastic nevi are at a higher risk of developing melanoma. Life insurance underwriters look at your history, the number of dysplastic nevi, and the amount of time that has passed since removal. In many cases it is still possible to obtain preferred rates for dysplastic nevi, although some companies will require less than 6 dysplastic nevi in order to be considered for their preferred rates.
We've specialized high risk life insurance underwriting of cancers for many years, including prostate cancer, breast cancer and much more as you will find in our cancer life insurance underwriting section.
If you’ve had basal cell carcinoma and need life insurance, we have good news for you. There are companies available that will offer you their best life insurance rates as basal cell carcinoma presents little underwriting concern to companies that specialize in basal cell underwriting. What is Basal Cell Carcinoma? Basal cell carcinomas (BCC) are […]