If your skin cancer is basal cell carcinoma, you can usually get life insurance at preferred ratings, as long as your other health is preferred.
If it is squamous cell carcinoma, the insurance company will want to know if there was no recurrence after removal, and the stage of your cancer, if you know it. You can possibly be rated as good as standard after a year of being cancer free, and possibly better after extended years of showing no signs of skin cancer.
With melanoma, it is treated like any other internal cancer. There will be a waiting period of at least a year to get a medically underwritten or simplified issue policy (unless perhaps the melanoma was in situ, or stage 0). If it was over stage 3, there will most likely be a flat extra added for a while. But you can still get coverage. In time, the rates will go down as you hopefully remain cancer free.
Great question! The answer is absolutely! There are two types of skin cancer, one more serious than the other. If you have the simpler, more common type, it isn't generally anything that will affect your policy. They remove it, and you are cancer free. The other type is a little more serious, and can affect your policy. If you've had this type, you can still get a preferred policy if it was in your past, and you've not had it since. If you are fresh out of it, or had ongoing struggles, there are still policies that you can purchase. They may have a period of time where the benefit paid is reduced, and will be more expensive, but they can be purchased. If you need more information, please feel free to contact me, I'm happy to help. Thanks for asking!
It depends on the type of skin cancer. Basal cell is the least evasive. Underwriters want to see the severity, location and number of occurrences within a certain time period. The more serious types of skin cancers such as melanoma or a sarcoma can be so serious the risk could deem you uninsurable.
Because there are so many factors and degrees of skin cancer I would use a trusted independent life insurance broker who can deal with multiple companies' underwriters to find the best offer on life insurance before you apply. Making a mistake can cause a mark on your Medical Information Bureau or MIB report which can follow you for many years to come when applying for personal insurance like life, disability, long term care, etc.
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If it is squamous cell carcinoma, the insurance company will want to know if there was no recurrence after removal, and the stage of your cancer, if you know it. You can possibly be rated as good as standard after a year of being cancer free, and possibly better after extended years of showing no signs of skin cancer.
With melanoma, it is treated like any other internal cancer. There will be a waiting period of at least a year to get a medically underwritten or simplified issue policy (unless perhaps the melanoma was in situ, or stage 0). If it was over stage 3, there will most likely be a flat extra added for a while. But you can still get coverage. In time, the rates will go down as you hopefully remain cancer free.
Because there are so many factors and degrees of skin cancer I would use a trusted independent life insurance broker who can deal with multiple companies' underwriters to find the best offer on life insurance before you apply. Making a mistake can cause a mark on your Medical Information Bureau or MIB report which can follow you for many years to come when applying for personal insurance like life, disability, long term care, etc.