Browse: Home / basal cell carcinoma
By Ed Hinerman on August 2, 2012
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was removed at preferred. Most companies ...read more
Posted in basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma | Tagged breast cancer, cancer, cancer life insurance, Clark's level 1, colon cancer, gave up trying to get life insurance, higher stages and grades, impaired risk life insurance, in situ, Independent agent, insurance, life insurance, low grade, low stage, melanoma is dangerous, melanoma life insurance, melanoma removed two months before applying, preferred rates, prostate cancer, prudent reaction to improved treatmentt, prudent reactions to early detection, stage 0, Stage 1, willing to shop extensively
By Ed Hinerman on June 30, 2012
With the majority of skin cancer being basal cell carcinoma and squamous cell carcinoma, both almost underwriting non issues unless there have been multiple instances, the challenge lies mostly under the melanoma heading. As I’ve stated with so many other types of cancer, the improvements in detection and treatment have made this once instant decline ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, life insurance approval, melanoma, squamous cell carcinoma | Tagged basal cell carcinoma, basal cell carcinoma nevus syndrome, Breslow thickness, Clarks level 1 or 2, insurance, life insurance, lower stage and grade better approval, melanoma, melanoma life insurance, melanoma life insurance underwriting, mole biopsy, multiple instances, no longer ignore moles, one instance of basal cell, skin cancer life insurance, squamous cell carcinoma, the way moles are treated
By Ed Hinerman on March 10, 2012
I was encouraged by a client to contact Kristi Schmitt Burr, the executive director of the Basal Cell Carcinoma Nevus Syndrome Life Support Network, BCCNS.org. I have 14+ years experience in working with clients who fall into the impaired risk category of life insurance. That simply means they have health challenges that cause problems for ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged arguable with life insurance underwriters, basal cell carcinoma, basal cell carcinoma nevus syndrome, BCCNs.org, declined, higher risk for melanoma, insurance, life insurance, melanoma, multiple basal cell carcinomas, over priced policy, skin cancer issues, skin cancer life insurance, squamous cell carcinoma, stage and grade
By Ed Hinerman on February 4, 2012
I’ve written a lot over the years about the life insurance underwriting of skin cancer. It’s been a mixed bag of good news and bad news depending on whose study life insurance underwriters wanted to use as their mortality test that month, but overall great strides have been made. My blog is littered with the ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma | Tagged 20-30 basal cell carcinomas, 30 year term insurance, basal cell carcinoma, best rate class, insurance, life insurance, life insurance underwriting of skin cancer, melanoma, mortality risk, multiple basal cell, nevoid basal cell syndrome, preferred rates, regular trips to dermatologist, skin cancer life insurance, standard rate
By Ed Hinerman on January 28, 2012
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her life insurance. So, she called ...read more
Posted in basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma | Tagged approval, basal cell carcinoma, Clarks level II, declined, insurance, life insurance, low stage, melanoma, multiple occurences, new life insurance declined, pathology report, shop before quoting, skin cancer, squamous cell carcinoma
By Ed Hinerman on November 17, 2011
Talk about a health issue that’s been around the block several times and every time something new pops up. Skin cancer is it! We’ve seen great strides in underwriting melanoma with a recent approval at standard plus rates just four months out from treatment. Obviously a best case scenario! It was a stage 0, very ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma | Tagged basal cell carcinoma, best rate class, insurance, life insurance, melanocytic nevus, melanoma, mortality assumptions, multiple basal cell carcinomas, nevoid basal cell carcinoma syndrome, skin cancer, skin cancer life insurance, underwriting melanoma
By Ed Hinerman on August 11, 2011
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday the high was 88 and the low was ...read more
Posted in basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged basal cell carcinoma, better than standard rates, Breslow, Clark, grade, insurance, life insurance, melanoma life insurance, melanoma. malignant melanoma, skin cancer, skin cancer life insurance, squamous cell carcinoma, stage, TNM staging
By Ed Hinerman on May 26, 2011
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything. Several years ago something of a skin cancer life ...read more
Posted in basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged approval, atypical moles, basal cell carcinoma life insurance, dysplastic nevi syndrome, dysplastic nevus, insurance, life insurance, malignant melanoma life insurance, melanocytic dysplastic nevi, skin cancer life insurance
By Ed Hinerman on March 23, 2011
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well, it’s a ...read more
Posted in basal cell carcinoma, insurance, life insurance, melanoma | Tagged approval, basal cell carcinoma, Beslow level, Carks level, grade, insurance, life insurance, melanoma, skin cancer, squamous cell carcinoma, stage
By Ed Hinerman on January 15, 2010
Some years ago the life insurance underwriting world went into a tizzy because a study had come out insinuating that a person who had multiple basal cell carcinomas, a truly non lethal skin cancer, had a higher chance of having a melanoma, a truly lethal form of skin cancer. This led most companies to treat ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance | Tagged basal cell carcinoma, best rate class, dysplastic nevi, insurance, life insurance, melanoma, mortality risk, skin cancer, standard rates
