Life Insurance with Melanoma

You might not think affordable life insurance with Melanoma is possible, but it is.

There are several top-rated carriers offering life insurance for people with Melanoma. And our independent agency is here to help you shop your best price.

As long as you’re between ages 50 and 85, your acceptance is guaranteed.

Melanoma & The Need For Life Insurance

Melanoma is a deadly disease that not only threatens your life; it also brings significant financial challenges. 

The impact on your health:

Did you know that Melanoma claims more lives than any other form of cancer?

Through the survival rates for Melanoma are high if caught in early stages, later development of the disease drastically increases mortality rates. Patients diagnosed where damaged cells have remained in the area or origination have a survival rate of 99%. However, survival rates plummet to 20% if cells have spread out to other areas of the body.

The Financial Impact:

The reality is that no one plans on getting cancer. As a result, when this disease appears, most people are not financially prepared. Treatments, office visits, surgeries, and life adjustments can lead to high out-of-pocket costs. 

This study discovered that nearly 50% of all cancer patients did not follow treatment recommendations due to high costs.

In another study recently published in the American Journal of Medicine found that 42 percent of the 9.5 million people diagnosed with cancer from 2000 to 2012 drained their life’s assets within two years.   

While these findings included all types of cancer, most of which have higher costs than Melanoma, it’s a startling statistic that shows how unprepared most people are to deal with the financial impact of cancer. Although this may not happen to you, what if it does?

One thing is sure; all cancer patients face financial uncertainty.  

How Life Insurance Can Help

Life insurance provides guaranteed funds that help to reduce or eliminate end-of-life expenses. Your beneficiary receives a tax-free lump sum immediately upon notification of death.   

A life insurance policy provides a financial safety net around those you love most. After securing your policy, you can rest easy knowing that the money will be there when needed the most. 

Life Insurance Options For People with Melanoma

Anyone seeking life insurance with pre-existing medical conditions will have limited coverage options. However, you still have options. Melanoma patients can qualify for two different types of policies.   

Final Expense Life Insurance plans are available to those cured of Melanoma and possibly some individuals where the cancer is in early stages. These are traditional whole life insurance plans that have minimal medical underwriting. To qualify, you must be cancer-free for a minimum of two years and have not other health conditions. Those who are eligible will benefit from higher coverage amounts and lower premium rates.

Guaranteed Acceptance Life Insurance is available to all cancer patients that do not qualify for other types of coverage. These plans eliminate all medical underwriting. Meaning there are no medical exams or any health questions. Plans provide up to $30,000 in coverage. And many carriers include living benefits to help deal with terminal diseases.

Guaranteed acceptance is typically the only life insurance option for cancer patients. 

Both insurance types listed above are a form of senior life insurance and only available for individuals ages 50 to 85. 

How To Enroll In Your Best Policy

Enrolling for life insurance with Melanoma Cancer is easier than you might think. Because there are no medical exams, the application process is super simple.  

Our independent agency helps your shop and compare life insurance companies side by side, which allows you to find your best policy and price quickly. 

To begin, fill out the quote form on your screen. You’ll instantly see rates from all the top providers that offer life insurance for people with Melanoma. 

One of our friendly agents will reach out to help compare your options and to answer all of your questions.  

Once you’ve identified your best option, our streamlined application process takes about 15 minutes. And your coverage can begin the very next day. 

Our services are free. And there’s no obligation when speaking with an agent. 

We’ve helped thousands of individuals in poor health secure the funds they need to protect their families. We’d love to help you too.

Get started today with your free quote.