Although any type of application for cancer life insurance coverage raises a red flag, when applying for basal cell skin cancer life insurance coverage the underwriting assessment is different. Basal cell skin cancer grows on parts of your skin that get a lot of sun and is the most common form of cancer. Millions of Americans get diagnosed every year. Most applicants with skin cancer can qualify for regular life insurance rates as any other healthy applicant. So will that stop you from getting life insurance, not really. Approvals will depend on each individual’s cancer severity and picking the right life insurance company.
Call a Senior Care Life Licensed Agent at 678-468-5163 or Toll Free 888-684-1344.
Getting Life Insurance With Basal Cell Skin Cancer
If you need basal cell skin cancer life insurance coverage we can help. Some life insurance companies may not provide coverage if you have Cancer, due to their underwriting risk assessment. However our A+ Rated life insurance carriers will provide you with low cost life insurance coverage if you have Basal Cell Skin Cancer. We work hard to know all the intricacies of our carriers and their life insurance policies. We work with multiple companies, that’s way we can find the ones that will offer you an affordable coverage. Over the years life insurance companies have gathered more data which showed people with skin cancer have normal life expediencies. That is why many companies are now offering standard policy coverage for with people with Basal Cell Skin Cancer. Now remember there are companies who deny skin cancer coverage risk and others who welcome it. Our caries welcome the risk and will provide you with coverage.
Underwriting Factors That Affect Life Insurance Coverage For Skin Cancer
The factor that makes a big difference in approvals and pricing is the type of skin cancer you have had. When applying for life insurance the underwriters will look at your age, health, weight, medical history, medications and whether you are a smoker. In addition to that if you have skin cancer they will want to know date of diagnosis, type of cancer, type of treatment, completion date, pathology report and follow up results from your doctor. There are 3 types: Basal Cell aka Non Melanoma, Squamous Cell and Malignant Melanoma. If you want to avoid all these intrusions into your personal life, we do have policies that require no health history, no medical exam and no health questions. Ask about our Guaranteed Acceptance Policies.
Most Companies Offer Standard Coverage For Basal Cell Skin Cancer
With most applications there are hassles when applying for life insurance with basal cell skin cancer. If you had this form of skin cancer you can relax as most life insurance companies will offer a standard or better rate as soon as it is surgically removed. For anyone with this type of skin cancer you don’t need to continue reading, you can fill out the quote request form above and request a quote. If you had skin cancer in multiple spots on your body, you may be charged a higher premium. Some companies will even do it without requiring a year or two to pass before consideration also know as postponement of life insurance coverage.
Basal Cell Carcinoma and Life Insurance Coverage
If you had skin cancer in multiple spots on your body, you may be charged a higher premium or denied coverage by some companies. If you had basal cell carcinoma you can relax as most life insurance companies will offer you a standard or better policy rate as soon as it is surgically removed. Some companies will not even require a waiting period for full coverage. You will get full coverage on day one.
Malignant Melanoma and Life Insurance Coverage
With malignant melanoma the life insurance company will look into the size of your tumor, whether it spread to lymph nodes and whether it metastasized. As this happens to be the hardest type of cancer to qualify for life insurance coverage. However you still have options. With a Guaranteed Acceptance policy you will have no hassle to get coverage. There are no health questions or medical exam to qualify for coverage. Some life insurance companies my offer you a graded benefit policy with higher rates that standers. If your cancer was in situ with early detection and removal, you may get a standard to preferred rates. But still it is possible to get life insurance coverage as long as the malignant melanoma skin cancer has been treated and some time has passed.
Squamous Cell Carcinoma and Life Insurance Coverage
Squamous Cell Carcinoma is a more dangerous type of skin cancer than Basal Cell Carcinoma but with similar type of underwriting. Life insurance companies will base their decision on what they find in your pathology report. Now if you had a more severe form of squamous cell that either spread or were in higher staging. You can still get coverage, however expect to pay a little extra. There are a few carriers who will give you life insurance policies with this type of skin cancer. You can fill out the contact form above and request a quote from a licensed life insurance agent. Remember you can always get coverage with a guaranteed acceptance policy.
Fill out our Contact Form or Call 678-468-5163 to request life insurance coverage if you have had Basal Cell Skin Cancer or other medical issues.
Some risk and symptoms associated with Basal Cell Skin Cancer:
- Risk: Light-colored skin and sun exposure
- Risk: Weakening of the immune system
- Risk: Ultraviolet (UV) radiation
- Risk: Artificial UV radiation
- Symptoms: Small dome-shaped bump
- Symptoms: Bump covered by small blood vessels
- Symptoms: Bump is shiny and translucent
- Symptoms: Dark looking bump
- Basal cell carcinomas grow slowly
- Can damage and disfigure eye, ear, or nose
- Common in areas of high UV radiation