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Life Insurance (I’m a Stage 1A Patient)

Forums General Melanoma Community Life Insurance (I’m a Stage 1A Patient)

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    MCfromCA
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      Maybe this has already been discussed in the past, but I thought I would share this information with the group because I had been under the impression that with a melanoma diagnosis that life insurance was out of the question, except at a much higher rate.  One of my friends told me that when she and her husband were getting it, that melanoma was specifically listed as automatically disqualifying you.

      Maybe this has already been discussed in the past, but I thought I would share this information with the group because I had been under the impression that with a melanoma diagnosis that life insurance was out of the question, except at a much higher rate.  One of my friends told me that when she and her husband were getting it, that melanoma was specifically listed as automatically disqualifying you.

      Well, my husband and I already had some life insurance but felt we needed to get more.  I told my husband that I didn't want to bother with it for me because I wasn't going to get it (and if so, it would be extremely expensive).  He insisted.  So we applied through The Hartford.  I was a little more encouraged about the possibility of getting accepted, as from what I read in an article I found on the Internet, they were one of the few carriers that gave policies to people with a cancer diagnosis. 

      Wow, what a surprise I had when the agent called and advised me that I'm getting the "preferred" rate, the same as my husband (who has perfect health).  Even the agent was a little surprised, but he'd never had any experience with an applicant with a melanoma diagnosis.

      He did tell me, though, that if I had had an SNB, that I would have automatically been ruled out from getting insurance, and I know that sometimes people (albeit few) in their panic with the diagnosis, when their Breslow depth doesn't really warrant it, still get one, and unfortunately, these are the kind of things one learns after the fact, but something I would definitely mention to someone to think about.

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