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According to the CDC, skin cancer is the most common type of cancer in the US. It’s also one of the most survivable, which means that most people who have been successfully treated will be able to qualify for life insurance.
Probably, but your eligibility for life insurance will depend on what type of skin cancer you had, how early it was detected and whether it was successfully treated. Most insurers will deny coverage to applicants who are currently undergoing treatment for any type of cancer.
If you’re in remission and/or your cancer was successfully treated, you’ll likely be able to get coverage. Many forms of non-melanoma skin cancers are considered to be very low risk and won’t affect your ability to get life insurance at all, particularly if your cancer was caught early.
If you were diagnosed with melanoma, you may be able to get coverage — though you may have to pay higher premiums. Some factors considered by insurers include the specific type of skin cancer you had, the stage and grade of your cancer, when you were diagnosed, when your last treatment was and your risk factor for getting skin cancer again.
Your insurer will likely ask you a number of questions about your diagnosis when you apply. Confronting invasive questions about your cancer can stir up fear, worry and feelings you might’ve thought behind you. Consider leaning on your loved ones if you need support when answering health-related questions and confirming the details your insurer is asking for.
According to the CDC, skin cancer is the most common type of cancer in the US. While melanoma, the most serious type of skin cancer, is less common overall, it’s still one of the top 10 most common cancers.
|Type of cancer||Number of cases|
|Lung and bronchus||218,527|
|Colon and rectum||140,788|
|Urinary and bladder||73,067|
|Kidney and renal pelvis||61,816|
|Corpus and uterus, NOS||54,644|
Critical illness insurance is a type of life insurance that pays out a lump sum when the insured is diagnosed with a serious medical condition. The money can be used to help offset the cost of care, missed work, medical copays and anything else.
Many critical illness policies will pay out if the insured is diagnosed with skin cancer, but there are often requirements you’ll need to meet. For example, some insurers will only pay out for melanomas or metastatic cancers.
If you’re interested in adding a critical illness benefit to your life insurance policy, talk with your insurer to find out more about what it covers, when it pays out and what exclusions you need to be aware of.
Early detection of skin cancer is vital, and can significantly increase your chance of successfully treating the disease. According to the American Academy of Dermatology, the five-year survival rate for melanoma that’s detected before it spreads is 99% — but it gets more dangerous the longer it goes undetected.
According to The American Cancer Society, most doctors recommend a skin evaluation at least once a year if you’re at low risk. If you’ve had skin cancer before, or are considered to be at high risk for getting it, talk with your doctor about how often you should get checked out.
Aside from skin checks with your doctor, it’s also a good idea to check your skin yourself at least every three months.
Look for any new oddly shaped or colored moles or lumps on your skin using the ABCDE guidelines. You also should carefully track the current moles that you already have on your skin and take note of any changes.
If anything on your skin looks suspicious, make an appointment with your doctor or dermatologist.
If you’ve been diagnosed with skin cancer or if you have a family history of skin cancer, it won’t automatically disqualify you from getting a life insurance policy. Compare life insurance companies to find one that fits your needs, and talk with your preferred insurer to learn more about how your medical history will affect your insurance premiums.
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