Life Insurance with Melanoma

life insurance with melanoma

Shopping for life insurance with Melanoma can be difficult for the average person looking to secure coverage. Unlike Basal Cell skin cancer, Melanoma is a type of skin cancer that can be deadly and is typically the most severe type of skin cancer. This is why many life insurance companies may deny you an offer of insurance. However, not every life insurance company looks at you the same. Each company’s underwriting criteria is different. This gives consumers with preexisting health conditions opportunities for coverage if they find the right company.

Buying Life Insurance with Melanoma

When buying life insurance, the consumer needs to understand how the life insurance company operates. Life insurance companies are assessing risk with every applicant. When you apply for life insurance, the company will want to know specifics about your health and lifestyle before they offer a policy.

When you have had melanoma, the life insurance companies will be looking for some general health information as well as specific information about your melanoma.

General Life Insurance Health Questions
  • Age
  • Height and Weight
  • Do you use tobacco?
  • Medications
Melanoma Life Insurance Questions
  • When were you diagnosed with melanoma?
  • How much time has passed since your melanoma diagnosis?
  • What was the grade and stage of your melanoma?
  • What was the size of the tumor?
  • Was metastasis present?
  • Were your lymph nodes involved?
  • Was there a missing layer or ulceration of your melanoma?
  • How fast were your cancer cells dividing – the mitotic rate?
  • Any recommended follow up visits by your doctor?
  • How much time has passed since your last treatment?
  • Any recurrence of your melanoma?
  • Are there additional health problems?

Skin Cancer Overview

There are 3 basic types of skin cancer: Basal Cell Carcinoma, Squamous Cell Carcinoma, and Melanoma. Melanoma is the most dangerous and is mostly found on your skin.  However, it can be found on other parts such as your eye. It starts out in your skin cells that are called melanocytes. The melanocytes are what make melanin. Melanin is what gives us our skin color. Melanin will also provide deep layer skin protection from ultraviolet rays.

Your skin tans when you are exposed to the sun. This occurs because the melanocytes are making more melanin. This will also occur if you use a tanning bed or other form of ultraviolet lighting. When you get too much light, you have the potential to get melanoma. This is because the melanocytes may start to mutate and become cancer.

Melanoma Risk Factors

Melanoma can occur whether you’re young or old, male or female – it can happen you everyone. However, there are factors that may cause you to be a higher risk.  These factors are:

  • Fair complexion
  • Dysplastic/Atypical moles
  • Exposure to ultraviolet light
  • Family history
  • Immune suppression medications
  • Multiple moles (benign)

Preparing for the Life Insurance Application

Before you apply for life insurance, make sure you’re working directly with an independent life insurance agent. This is key when trying to secure life insurance with a health condition like melanoma. An independent agent isn’t bound to just one company – they have access to multiple companies. They also have access to multiple types of life insurance. At LifeInsuranceBlog, we work with over 60 life insurance companies in order to find the ones that give you the best chance of finding life insurance.

We will take the time to ask you the right questions in order to provide you accurate quotes before you apply. This is key to finding all the companies that give you the best chance at an offer instead of a denial. When you speak with us, we’ll gather the “General” and “Melanoma” life insurance information from you and begin to research all of the the companies.  Some companies may deny and some may offer.  We’ll be looking to see who will offer and who will provide the most competitive rates to meet your goals and budget.

Melanoma Life Insurance and Underwriting

Once we have found the companies that give you the best chance at offering life insurance – you’ll submit the application.  At LifeInsuranceBlog, we shop for you before you apply and after we receive the final outcome. Once your application is submitted, you may need to complete a medical exam. This is called a fully underwritten life insurance policy. There are also Non Medical exam life insurance policies on the market and we will provide you those options as well if they are available. Now if a traditional policy is unlikely to be offered, there are Final Expense policies available.

Your medical exam is very similar to a yearly checkup with your doctor.  The examiner will take your height/weight, blood & urine sample, and blood pressure. This will be sent to the life insurance company and the underwriting process begins. The life insurance underwriter will analyze the medical exam results and also request past medical records and medications. All of this information is used to determine your health class rating which will effect your premiums.  If your situation is too risky for the company – they may deny you a policy altogether.

Life Insurance – The Easy Way to Buy

At LifeInsuranceBlog, you will be provide you own personal agent. Your agent will be dedicated to you from start to finish. From gathering and researching the best companies, to putting in the application – all the way to the approval. At LifeInsuranceBlog we have our own medical underwriter available to help with researching your case and making sure that you’re applying with the best company. You will receive updates from our back office support throughout the underwriting process so you are always informed on how your application is progressing. Once the final outcome is received, we will make sure that the offer is still the best available. We are able to shop the final outcome and make sure it is meeting your goals and budget.

Please give us a call today at 888-411-1329 so we can help you.

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Michael Quinn

Michael Quinn

Michael Quinn is the owner of Life Insurance Blog. Please email or call us at 888-411-1329. We're here to answer your questions & help you get the best policy available.