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Life Insurance Approval with Melanoma

in Skin Disorders

Life Insurance Approval with Melanoma

Having problems with Life Insurance Approval with Melanoma?

We know it can be frustrating searching for a life insurance policy with a history of Melanoma.

Luckily, you’ve come to the right place.

In fact, tough life insurance cases are our specialty at


Our 2 Minute Promise

Stick with us for two minutes, and you’ll have two important questions answered:

1. Can you qualify for life insurance with Melanoma? And if so…

2. How much will it cost?

Can People Who Have Melanoma Be Approved for Life Insurance?

Yes, most individuals with Melanoma will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.

But you won’t be able to get this rating through your auto insurance company.

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

How Much Will it Cost?

Best Case Scenario – When detected at its early stage, melanoma in situ (stage 0) has a very good chance of treatment and cure. Therefore, this case usually gets a “Standard” rating. In cases where detection and surgical excision has been performed 2 months prior to the insurance coverage, it may be rated at “Mild Substandard.” Click here for quote at “Standard” or “Mild Substandard.”

Moderate Case – Cases of Melanoma with involvement of abnormal cells to nearby and deep tissues have a higher chance of recurrence. These cases also have an increased chance of being an invasive Melanoma and may get a “Medium Substandard” rating. Click here for a quote at “Medium Substandard.”

Common Questions to Assess Rating Class

If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:

1.    When was your Melanoma diagnosed?

Early detection and treatment of Melanoma has a very high chance of cure and prognosis. Most of these cases, if detected in “in situ” stage may be rated at “Standard.”

2.    Have you had any surgical excision done in the past? 

Successful surgery and removal of the abnormal growth may get a “Mild Substandard” rating.

3.    Do you have regular check-ups with your dermatologist?

Regular visits to your doctor will ensure that in cases of Melanoma recurrences it will be detected and treated early. This means that your condition can be controlled and complications of a metastasis prevented.

4.    Have you had any relevant diagnostic exams or biopsy results in the past 12 months? 

Biopsy results will show if there is a chance of an invasive case of Melanoma. This case may be rated at “Medium Substandard.” Other exams such as PET scan or MRI will show if there are involvement of deep tissues or organs in the body.

5.    Do you present a high risk of ultraviolet radiation exposure?

People with history of Melanoma and are at a high risk of exposure to ultraviolet radiation may be rated at “Medium Substandard,” even in the absence of current symptoms of lesions.

If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Severe Substandard” so you understand the range of possibilities.

How to Get a Quote

Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.

An estimate will appear on the next page.

If we can help you with a quote or to apply for coverage, call us at 877-443-9467.

Overview of Melanoma

Melanoma, or malignant melanoma is an abnormal growth anywhere in the body that originates from the dark pigments (layer that gives color to the skin) called melanin. Although rare, it is considered one of the most serious types of skin cancer.

Melanoma is commonly found in the skin, but can also be found anywhere in the mouth, intestines, eyes or any area that has melanin.

There is a method called the ABCDE to remember the early signs of Melanoma, which include:

  • Asymmetrical lesion or abrasion.
  • Border irregularity.
  • Color: black, blue or brown.
  • Diameter: moles bigger than 6 mm.
  • Enlarging: enlarging lesions

Related Keywords: melanoma, lentigo maligna, mucosal melanoma, nodular melanoma, soft-tissue melanoma, uveal melanoma

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

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