Life Insurance for Skin Cancer
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help clients with a history of skin cancer—basal cell, squamous cell, or melanoma—secure affordable life insurance from our network of 100+ A-rated carriers. Because we place these cases every week, we know which companies underwrite each diagnosis more favorably, what medical details matter most, and how to position your file for the best possible offer.
Life Insurance with Skin Cancer History
If you’ve had skin cancer, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping cancer survivors secure affordable, personalized life insurance coverage.
Speak with an expert who understands life insurance considerations for cancer survivors.
How Skin Cancer Affects Life Insurance Underwriting
Insurers look closely at the type of skin cancer and your follow-up history. Common factors include:
- Diagnosis Type: Basal cell and squamous cell are typically viewed more favorably than melanoma.
- Stage/Depth: For melanoma, Breslow thickness, Clark level, ulceration, and sentinel node status matter.
- Treatment & Margins: Clear margins after excision and no adjuvant therapy often lead to better outcomes.
- Time Since Treatment: Many carriers look for 1–5+ years since treatment depending on type and stage.
- Recurrence & Follow-Up: Regular dermatology/oncology visits and clean follow-up reports strengthen your case.
- Overall Health: Age, build, tobacco use, and other medical conditions also affect pricing.
Who This Coverage Is Best For
- Individuals with basal or squamous cell cancers fully excised and no recurrence.
- Melanoma survivors with favorable pathology and consistent, clear follow-up.
- Applicants who were rated or declined elsewhere and want broader carrier access.
- Anyone needing protection for family, mortgage payoff, or estate planning.
What You Can Expect (Typical Outcomes)
- Basal/Squamous Cell: Often Standard to Preferred once treated with clear margins and routine follow-up.
- Melanoma in situ / thin lesions (<=1.0 mm): Standard possible after a carrier-specific waiting period.
- Thicker or invasive melanoma: Offers may include table ratings or postponement until more time has passed—still insurable with the right carrier.
Actual results depend on full underwriting, pathology, physician notes, and time since treatment. We pre-shop your case to minimize surprises.
Why Work With Diversified Insurance Brokers
- 100+ A-rated carriers: We know who’s most favorable for each skin cancer profile.
- Underwriting strategy: We highlight pathology details, clear margins, and stable follow-up to improve outcomes.
- Multiple solutions: Term, guaranteed UL, permanent coverage, or layered strategies to meet budget and goals.
- Fast, confidential process: Streamlined data collection and proactive updates from quote to approval.
Example Case
A 54-year-old non-smoker with melanoma (0.7 mm, no ulceration, negative sentinel node) completed excision 3 years ago with clean follow-ups. Another agency projected a high table rating. We matched the case to a melanoma-friendly carrier and secured Standard Non-Smoker for $300,000 over 20 years—saving the client over $450 per year versus prior estimates.
Ready to see your options? Complete our secure skin cancer life insurance request form, and we’ll compare carriers and send personalized recommendations.
FAQs: Life Insurance for Skin Cancer
Can I get life insurance if I’ve had skin cancer?
Yes. Many applicants are approved. Offers depend on cancer type (basal cell, squamous cell, melanoma), stage/grade, treatment success, and time since last treatment.
Do insurers treat melanoma differently from basal or squamous cell?
Yes. Basal and squamous cell cancers are usually viewed as lower risk when fully excised. Melanoma receives closer scrutiny based on Breslow thickness, ulceration, mitotic rate, and any lymph node involvement.
How long should I wait after treatment to apply?
It varies. Non-melanoma skin cancers may be insurable soon after clear margins. Melanoma often requires a disease-free period that depends on stage; longer disease-free intervals generally improve offers.
What medical details will the insurer ask for?
Pathology report (including Breslow thickness for melanoma), surgical margins, treatment type and dates, follow-up schedule, any lymph node biopsy/SLNB results, recurrences, and dermatology/oncology notes.
Will I need a medical exam?
Sometimes. Fully underwritten policies may request an exam, labs, and physician statements. Simplified or no-exam policies are available in many cases, especially for lower-risk histories.
What policy types might be available?
Term and permanent coverage may be available for favorable cases. If recent or higher-risk, simplified issue or guaranteed issue policies can provide coverage while you build additional disease-free time.
How do stage and pathology affect pricing?
Lower stage, thin melanoma with clear margins typically sees better pricing. Higher stage, thicker or ulcerated lesions, positive nodes, or recurrences often raise premiums or limit product choices.
What if I’ve had multiple lesions?
Multiple non-melanoma lesions may still be acceptable if fully treated. Multiple melanomas or frequent recurrences may lead to postponement or require alternative policy designs.
How long does underwriting take?
Simplified and guaranteed issue decisions can be quick. Fully underwritten cases may take a few weeks while medical records and pathology reports are reviewed.
What can I do to improve my chances?
Provide complete pathology and surgery reports, show consistent dermatology follow-ups, document no evidence of disease, maintain skin checks, and apply with carriers that are experienced with skin cancer histories.
What if I was declined before?
Another carrier may view your case differently. Strengthen your file with updated pathology and follow-ups, consider simplified issue options, and reapply after additional disease-free time if advised.
