Melanoma Life Insurance
Melanoma is the most fearsome of the skin cancers. While very few deaths are related to basal or squamous cell carcinoma skin cancer, the same can’t be said of melanoma. Melanoma life insurance can be attainable and affordable.
In 2019 approximately 96,000 people will be diagnosed with melanoma. Almost 10% will die. The good news is that, if caught early in stages 0 or 1 the 5 year survival rate is 99%. Stage 0 is completely contained and has only breached the epidermis, the very outer layer of skin. Stage 1 has gone below the epidermis but has not spread to lymph nodes. Both are easily removed and because of the high survival rate, upon successful excision and absent a history of melanoma, better than standard rates can be expected for life insurance. Melanoma insitu, stage 0, can even be approved at preferred rates in some cases.
There are instances when there is a history of melanocytic nevi (pre melanoma) prior to an actual melanoma. So that you situation can be shopped correctly it’s best to call your doctor and get a synopsis of how many nevi and when.
Hinerman Group has been very successful in finding standard or better rates for low stage and grade melanoma. Reach out and let us help you find the best life insurance rate possible.
I’ve written more on life insurance and melanoma.
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The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.
Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.