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.

Request Your Skin Cancer Life Insurance Quote

Click here to complete our confidential quote request form

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.