Skin Cancer Life Insurance
Skin cancer is the most common cancer in the US. While the majority of cases aren’t life threatening, melanoma can be very aggressive and, if not caught early, deadly.
Most skin cancer cases are basal cell carcinoma which is almost never life threatening, but often a good wake up call for us sun worshipers. Face it, having a doctor announce that you have CANCER is unnerving even when it’s found to be a non-life-threatening variety. Squamous cell carcinoma is the second most common and while it can be dangerous and even deadly in rare instances, it generally falls into the scared straight variety of skin cancer.
So, back to melanoma. What we know about stage 3 and 4 melanoma is that it has migrated from the original location on the skin to metastasize to lymph nodes (stage 3) or organs (stage 4). You can’t get approved for life insurance with stage 3 or 4. What we know about stage 0 (encapsulated or insitu) and stage 1 (small, localized) is that upon excision you can usually be approved for life insurance at standard or better rates within a few months after the procedure. We leave a bit of a gray area with stage 2. It hasn’t migrated and usually the swing issue for life insurance is the grade or the depth of the lesion. The deeper it is the higher the rate or likelihood of a decline.
Don’t believe anyone who tells you to wait five years after a melanoma to apply for life insurance. Contact me, armed with your pathology report, and let’s go to work.
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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.