How to Get Term Life Insurance With Melanoma [2020]

If you are concerned about the high risks of skin cancer life insurance can provide a financial net for your family for less than a bottle of sunscreen. You can qualify for quality term life insurance with rates as low as $11.04/month even with a history of skin exposures.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

Full Bio →

Written by

UPDATED: Sep 16, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We partner with top life insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Melanoma is one of the most serious types of skin cancer, but skin cancer life insurance is not something we ever stop to think about. 

In fact, people can spend time looking into accidental death life insurance and completely miss an opportunity to get affordable term life coverage that can provide an extra layer of safety from the sun. 

We all like to and need to spend time in the sun and take certain measures to protect our skin. In fact, it is common for people to spend as much as $35.00 or more on sunscreen and that is money well spent. 

An affordable term life policy can provide you with much more security than just skin cancer life insurance. Get a rate right now by using our free rate quote tool and see how much coverage you can get before you head for the beach. 

Does skin cancer affect life insurance?

Melanoma can happen to anyone. You could get melanoma regardless of your gender or age. But certain factors put you at increased risk:

  • Ultraviolet light exposure
  • Atypical, or dysplastic, moles
  • Multiple benign moles
  • Fair complexion
  • Family history
  • Conditions and medications that suppress the immune system

But does life insurance cover skin cancer? The answer is yes. Having a quality term life or whole life policy will provide the ease of mind of knowing that if a life changing event occurs, your family will be covered by your policy. To get a sense of how much you might pay for term life insurance with melanoma, check out the table below:

Top Term Life Insurance Companies Rates Comparison
Companies$100,000, 20-Year (Male - 40)$250,000, 20-Year (Male - 40)
Minnesota Life$11.04$21.00
State Farm$21.40$33.72
Get Your Rates Quote Now

Compare RatesStart Now →

Paying as little as $11.04 / month can ensure that if a life-altering event does occur, your family will have some financial security in place.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

What is the most aggressive form of skin cancer?

Melanoma is the most aggressive form of skin cancer. 

For 2020, the American Cancer Society estimates:

  • About 100,350 new melanomas will be diagnosed (about 60,190 in men and 40,160 in women).
  • About 6,850 people are expected to die of melanoma (about 4,610 men and 2,240 women).

What are the symptoms of advanced skin cancer? 

If you are in a high-risk group for skin cancer, you can remember these ABCDEs of melanoma when you do regular checks for any moles or skin growths on your body: asymmetry, border irregularity, change in color, diameter larger than a pencil eraser, and evolution of the mole’s characteristics. 

If you have any concerns, see a dermatologist immediately. Like all other forms of cancer, the early you can detect and get treatment, the better your chances are. 

How long will it take for skin cancer to kill you? Skin cancer will need to spread to other areas of the body, so seeing a dermatologist often, is important. If you are exposed to the sun on a regular basis, a regular dermatologist checkup can offer an extra measure of basal skin cancer life insurance. 

Treatment and Prevention

The American Cancer Society recommends professional skin examinations every three years for people between the ages of 20 and 40 and once a year for people above 40 years of age. Try to examine your skin once a month, using a mirror to check hard-to-see places. Get to know your skin and call your doctor if you notice any changes.

According to the CDC, the best way to prevent skin cancer is to reduce your exposure to sunlight. Try to avoid prolonged sun exposure between 10 am and 4 pm when the ultraviolet light is most intense. Protect the skin by wearing hats and sunscreen and avoid tanning beds.

To treat melanoma, skin cancer, and some surrounding tissue has to be removed. The amount of skin removed depends on how deep the melanoma has grown. If the cancer has spread to nearby lymph nodes, these lymph nodes may also be removed. Treatment becomes more difficult when the melanoma has spread to other organs. You may also receive:

  • Chemotherapy to kill cancer cells. It is usually given if the melanoma has returned or spread.
  • Immunotherapy medications such as interferon or interleukin to help your immune system fight cancer. They may be used along with chemotherapy and surgery.
  • Radiation treatments to relieve pain or discomfort caused by cancer that has spread.

What Life Insurance Companies Look For

Life insurance companies want to see that applicants with a history of melanoma have (1) received full treatment, and (2) have completed regular follow-up visits per doctor’s orders.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

The life insurance company you apply with will be looking specifically at:

  • Your age at diagnosis
  • The amount of time since diagnosis
  • The stage and grade of cancer
  • The tumor size
  • Any lymphatic node involvement
  • Whether metastasis is present
  • The mitotic rate, or how rapidly the cancer cells are dividing
  • Whether there is ulceration, or a missing layer of the melanoma
  • Whether there was any recurrence of cancer following recovery
  • Length of time since treatment and/or recovery
  • The treatment success and adherence to treatment recommendations
  • Follow up visits as recommended by doctor
  • Whether you are a tobacco/drug/alcohol user
  • Any other major health problems

If you are wondering how much does life insurance payout for skin cancer, the answer is that standard term life and whole life insurance policies will cover cancer deaths and payout the accumulated benefit or the term benefit. 

How much can you claim on life insurance for skin cancer will depend upon the specifics of your policy.

How to Prepare for Your Term Life Insurance Application

There are important measures you can take to prepare yourself before applying for term life insurance quotes. Doing so will help your chances of getting approved for the best rating class possible when you buy term life insurance. Use the following tips for understanding life insurance rating classes:

  • Have all doctors’ name/address/phone available.
  • Make sure your doctor(s) has copies of all records regarding the cancer treatment, pathology reports, and follow up reports.
  • Have a list of all medications and their dosages available.
  • Do not skip any follow-up visits with your doctor.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Real Examples from Real Customers

Good Outcome

Kevin applied for life insurance after skin cancers in the UK when he was 52 years old.

  • Diagnosed at age 48
  • He has no family history of melanoma
  • His medical records clearly document his successful treatment
  • Regular checkups with the dermatologist have all been normal
  • Non-smoker
  • Outcome: Approved at a Standard Plus rating class
  • Premium: $294 annually

Not so Good Outcome:

Robert applied for term life insurance coverage when he was 45 years old.

  • Diagnosed at 40
  • Had a 3 mm melanoma with ulceration removed
  • Follow up visits with the dermatologist have been favorable
  • Non-smoker
  • Outcome: Approved at a Substandard Table 2 rating plus a flat extra of $10 per thousand for three years
  • Premium: $1,296 annually

Poor Outcome:

Sally applied for term life insurance after skin cancer when she was 55 years old.

  • Diagnosed at 53
  • Treated for Melanoma metastatic to three lymph nodes
  • A parent and sibling died from melanoma
  • This applicant has not seen a doctor for eighteen months
  • Outcome: Declined

You can see Kevin had the best outcome, due to a low-stage melanoma that was caught early and treated. Receiving regular follow-up appointments with his doctor also helped. 

You should know that in the UK, companies like Aviva Life Insurance will not cover pre-existing conditions. You should search on your company to get more information on their policy specifics.  (Ex. Aviva life insurance skin cancer)

Robert’s melanoma was extensive, and although he had no other medical conditions and good follow up results, the thickness of his cancer gave him a worse prognosis. 

Finally, Sally had the poorest outcome. Her melanoma was the most severe, and she had a family history of melanoma. This along with her lack of routine follow-ups resulted in the decline of her application.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Skin Cancer Life Insurance: The Bottom Line

The good news about applying for term life insurance with melanoma is — yes, you can qualify for coverage! The bad news is the approval, and rating class can be very unpredictable and subjective. However, if you follow the advice we’ve provided and, more importantly, discuss your situation with your life insurance agent or broker, you can have a positive outcome.

And remember, if you are not pleased with the term life insurance rates and offer you receive, you can always try with another company or put the policy in force and work on improving the rating class through better control and lab results.

In fact, whether you have a quote to compare or just starting out, you can use our free quote tool to get a customized rate for skin cancer life insurance or any term coverage. Get started now by clicking down below. 



Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. QuickQuote Financial, Inc. BBB Business Review