Melanoma in situ life insurance
Offering life insurance with a history melanoma is a concern for life insurance underwriters as it is the most deadly type of skin cancer. However, that doesn’t mean you can not get coverage. We have secured coverage for many melanoma survivors.
Here are some of the possible outcomes for life insurance rates with a history of melanoma.
Best case: Standard rates with history of melanoma
Typical case: Standard with a flat extra rate
Worst case: Decline due to severity of melanoma
Basal cell carcinoma life insurance
Offering life insurance with a history of basal carcinoma is much easier to get than if you had melanoma. Basal skin cancer typically does not spread and is looked at as a better risk to life insurance companies.
Here are some of the possible outcomes for basal cell carcinoma life insurance rates.
Best case: Preferred or preferred best rates
Squamous cell carcinoma life insurance
Squamous cell carcinoma life insurance underwriting will be similar to basal cell underwriting. With a history of this type of skin cancer it will be easier to get coverage than if you had a history of melanoma.
Here are some of the possible outcomes for Squamous cell carcinoma life insurance rates.
Best case: Preferred rates with history of basal cell carcinoma
Ratings for all types of skin cancer history will depend on stage and time since the end of treatment. As always individuals will be underwritten on a case by case basis.