Yes, you can qualify for life insurance after having skin cancer.
Having trouble finding affordable life insurance with Skin Cancer?
Don’t fret. We can help!
In fact, tough life insurance cases are our specialty at HighRiskLifeInsuranceAgency.com.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Skin Cancer? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Skin Cancer?
Yes, most individuals with Skin Cancer 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.
How Much Will it Cost?
Best Case Scenario – The best rating of “Standard” can only be given to Skin Cancer Clark’s level in situ (absence of invasion of tumor cells into the surrounding tissue-Wikipedia). Usually these cases are in Tis tumor criteria with lesion measurement of equal or less than 1.0mm. For those cases with T1a tumor criteria under Clark’s level II or III with equal or less than 1.0mm lesion, but without ulceration may qualify for a “Mild Substandard” rating. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Those cases of Skin Cancer under T1b tumor criteria and under Clark’s level II or III with 1.0mm lesion, but appears to be with ulceration may still qualify for a “Medium Substandard” rating. Click here for a quote at “Medium Substandard”.
Severe Case – A severe case would be that of Skin Cancer measuring equal or less than 1.0mm with T1b tumor criteria under Clark’s level IV or V with or without ulceration, these cases may still qualify for a “Severe Substandard” rating. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
NOTE: Only Skin Cancer cases under Clark in situ and levels IV or V will be rated. For other cases above these, it will have to be postponed for four years before a rating can be given.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years since you were diagnosed with Skin Cancer?
Skin Cancer that is diagnosed early will have a good chance of treatment and cure. This may qualify for a “Standard” rating.
2. Are there signs of other tissue or organ invasion?
Deeper level of involvement of Skin Cancer plus the size of lesion may get you a “Mild Substandard,” “Medium Substandard” or “Severe Substandard” rating.
3. Do you have any history of surgical excision?
If yes, when was the surgery performed and if there was biopsy done what was the result? The biopsy result will determine the extent and type of Skin Cancer whether it is basal cell carcinoma (BCC), melanoma or squamous cell carcinoma (SCC). BCC and SCC with no signs of metastases may qualify you for a “Mild Substandard” or “Medium Substandard” rating.
4. Where is the Skin Cancer located?
Location of cancer to major organs may have to be re-evaluated for tissue invasion on the proximal site. If they are close to major organs even without invasion, the best rating you may get could be “Medium Substandard”
5. Do you have any records or pathology report that will show the tumor criteria and level of invasion of your Skin Cancer?
Only Skin Cancer under Clark in situ up to levels IV and V will be rated. Tumor criteria with measurement of equal of less than 1.0mm will be rated. If you have a rating above these, you will have to postpone and wait for four years before an appropriate health class can be given.
6. Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Skin Cancer and may get you a “Medium Substandard” or “Severe Substandard” rating or even a decline.
7. Are you currently taking any medication for other medical conditions?
A diagnosis of other medical conditions other than the Skin Cancer may have to be re-evaluated to get an appropriate rating.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
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 Skin Cancer
Skin Cancer also known as skin neoplasm is an abnormal skin cell growth that appears in varying layers of the skin and different degrees of malignancy. The three most common types of Skin Cancer include squamous cell carcinoma, basal cell cancer and melanoma.
Most Skin Cancers usually begin at the outermost layer of the skin making it easy to diagnose at an early stage. This makes prognosis of any type of Skin Cancer very good.
Most Skin Cancers do not cause death, but often the most serious complication is disfigurement. Melanoma, although rare is considered the most serious type of Skin Cancer.
Related Keywords: skin cancer, skin neoplasm, squamous cell carcinoma, basal cell cancer and melanoma