A Summer Of Life Insurance Melanoma Success!
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
More Than Basal Cell Carcinoma Life Insurance!
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
A Side Of Skin Cancer Life Insurance Underwriting Rarely Looked At!
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
Does Your Life Insurance Agent And Company Have Your Back?
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
Revisiting Skin Cancer Life Insurance Underwriting!
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
A Good Summer For Skin Cancer Life Insurance!
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
Melanoma Life Insurance Success!
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
What Is The Waiting Period For Cancer And Life Insurance?
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two most common skin cancers, basal cell carcinoma ...read more
Did Your Mole Have Dysplastic Nevi?
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
Insitu Melanoma Case Headed For Finish Line!
The most common type of cancer among men and women is skin cancer. By far the majority of those cases are rarely life threatening types like basal cell carcinoma or squamous cell carcinoma. The least common of the three is the most feared and has one of the highest mortality rates of any kind of ...read more
