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Basal Cell Carcinoma

Basal Cell Carcinoma, Squamous Cell Carcinoma, or Melanoma

Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like Basal cell carcinoma. Many insurance companies decline Basal cell carcinoma coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
Having Basal cell carcinoma, squamous cell carcinoma, or melanoma shouldn't keep you from protecting yourself and your family. Even if you were told you can't get an insurance policy with these conditions, every company views them differently and there are definitely options available to you.

Basal Cell Carcinoma

Basal Cell Carcinoma is usually viewed the most favorably by insurance companies because it is often treatable through surgery and usually does not spread to other tissues. If the cancer has been treated, you may be offered preferred rates, the best kind of rate. However, if you experience a remission, you may lose this option.

Information we would need to find you a policy:

  • Date of the diagnosis
  • If/When you experienced a remission
  • How and when the cancer was treated

Squamous Cell Carcinoma

Based on the stage, grade, and number of occurrences, you may be able to obtain a preferred rate.

Information we would need to find you a policy:

  • Date of the diagnosis
  • If/When you experienced a remission
  • How and when the cancer was treated
  • Stage and grade

Malignant Melanoma

This is the most worrisome to insurance underwriters because it is the most life-threatening skin cancer. Therefore, you may end up paying a higher rate for your life insurance.

Information we would need to find you a policy:

  • The Clark Level of the cancer
  • The Breslow Scale of the cancer
  • Other grades
  • Date of the diagnosis
  • If/When you experienced a remission
  • Date and method of treatment

What else are insurance companies looking at?

  • Your overall health to determine if you are a high-risk applicant
  • They will ask that you have a medical exam unless you buy a no medical exam life insurance policy, which is more expensive and has a higher premium
  • Your income and marital status

 

Regardless of what type of cancer you have or at what stage, we are here to help you find the best policy. All insurance companies have different standards for determining the risk factor of their applicants. Rather than trying to sort through all those rates yourself and risk ending up with an expensive policy or no policy at all, let us help you. We know all about how insurance companies look at cancer and can help you find the right company for your specific needs and circumstances. Let us help you protect yourself and family while ensuring you that you've secured the best deal possible.

Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.

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