Skin Cancer Life Insurance Underwriting

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Does skin cancer affect life insurance rates?

Skin cancer is a common life insurance underwriting issue that we work with. We understand skin cancer underwriting and how to get you the life insurance you need.

Life insurance is available for the majority of skin cancer cases once your skin cancer treatment is complete.

This is especially true for Basal cell skin cancer as a number of life insurance companies will consider you for life insurance as soon as your skin basal cell skin cancer treatment is complete.

Skin Cancer Life Insurance Overview:

Skin cancer is the most common form of cancer. 1 in 5 people will develop some form of skin cancer during their lifetime.

Basal Cell Carcinoma:

Basal cell carcinoma is the most common form of skin cancer encountered in life insurance underwriting. Typically, when basal cell carcinoma is diagnosed, it is removed surgically with no further treatment required.

Basal cell carcinoma typically does not spread to other tissues and has no significant impact on life insurance underwriting.

In many basal cell carcinoma life insurance cases, life insurance underwriters may consider you for their "preferred" life insurance rates, some may even consider you for life insurance as soon as your treatment is complete.

We know which life insurance companies will be best for you based on your basal cell carcinoma history.

Squamous Cell Carcinoma:

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 skin cancer but with most cases we are able to help you obtain life insurance. We know which life insurance companies to go to based on your individual information.

Malignant Melanoma and Life Insurance:

Can I buy life insurance if I have Melanoma?

What is the best life insurance company for melanoma underwriting?

We can help you with these Melanoma life insurance questions.

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 margin in order to ensure complete removal. 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. With Melanoma and life insurance, we have a number of impaired risk life insurance companies available that can help you with your life insurance needs.

Take the time to complete the skin cancer questionnaire as best as possible.

How skin cancer affects your life insurance rates:

It is important to note that not all life insurance companies will do a good job underwriting skin cancer. You need to get to the right impaired risk life insurance company in order to get the most competitive life insurance rates possible. We can help as we know which life insurance companies to go to.

Each life insurance company has its own set of life insurance underwriting guidelines, but all life insurance companies are looking for the following information if you have a history of skin cancer.

Type - Did you have basal cell skin cancer, squamous cell skin cancer, or malignant melanoma skin cancer?

Age at Onset - How old were you when diagnosed with skin cancer?

Location - Where on your body was the skin cancer located? Were there multiple locations of skin cancer?

Diagnosis - Was it basal cell skin cancer or squamous cell skin cancer? If it was a malignant melanoma, what was the Clarks Level? What was the Breslow Scale?

Complete Medical Information - Pathology Reports are required in order to get competitive and accurate offers for skin cancer life insurance. If you provide us with the skin cancer pathology reports, we can send this information to a number of impaired risk life insurance companies in order to get you the most accurate and competitive life insurance rates.

What to expect from life insurance companies:

Basal Cell Carcinoma/Basal Cell Skin Cancer:

If basal cell skin cancer is diagnosed early and treated properly, basal cell skin cancer is of little concern to the right life insurance companies. "Preferred" life insurance rates are available with a number of life insurance companies and there is a possibility of "preferred plus" rates with a few life insurance companies. We'll get you to the right life insurance company based on your individual health and your specific basal cell skin cancer history.

Squamous Cell Carcinoma/Squamous Cell Skin Cancer:

Life insurance underwriting offers will vary depending on the number of skin lesions involved with your squamous cell skin cancer, the details of the pathology report. The life insurance underwriting offers will be dependent on the "staging" of the squamous cell skin cancer. Typically, "standard" life insurance rates are available for a great majority of squamous cell skin cancer cases, while some life insurance companies will require an additional rating on top of the standard life insurance rate. We know which life insurance companies to go to, including the best impaired risk life insurance companies.

Malignant Melanoma and Life Insurance:

Can I buy life insurance if I have Melanoma?

In most cases the answer is yes, subject to the below.

Malignant melanomas will require the pathology report in order to get the best possible life insurance offer.

Melanoma and Life insurance underwriters are looking for the Clarks Level and the Breslow Scale of your malignant melanoma skin cancer in order to determine the severity of the malignant melanoma skin cancer.

For some malignant melanoma cases, life insurance companies will postpone making an offer to you for a certain period of time after you have completed skin cancer treatment or skin cancer surgery. Again, the pathology report is critical in order to get competitive life insurance offers for you.

We will get you to the correct impaired risk life insurance company based on your medical history and the specific details of your malignant melanoma skin cancer.

Examples of Clarks Level and Breslow scale skin cancer life insurance underwriting offers:

Clarks Level - Clarks Levels are rated from Level 1-5. Level 1 is the least significant type and Level 5 is the most severe.

Breslow Scale: - Measures the thickness of the skin cancer. The thicker the skin cancer the higher the life insurance rate.

At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation service. We'll give you the information you need to make an informed decision about your life insurance.

Call us today at Toll Free (800) 909-2040. Thank you.

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible. You will find more information here about health issues such as:

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