Life Insurance after Melanoma
Life Insurance is not always available for those who have suffered from Melanoma / Skin Cancer.
Your Skin Cancer
The exact type of Melanoma / Skin Cancer you have, the stage and the severity it has/had reached and the treatment you receive(d), will all impact your future prognosis.
Your age, your general health, any other medical conditions will also have bearing on the cost and availability of Life Insurance from mainstream insurers.
This means that where a full recovery can be made, most survivors will need unique, individual underwriting consideration.
It is a fact that the availability of Life Insurance will not be certain.
If you have just been diagnosed
If you have just been diagnosed with cancer, or have been asked to undergo further tests, it will not be possible to take out any new Life insurance policies at this stage.
If you have any existing life insurance policies which were taken out before you were diagnosed or fell ill, then this cover is not usually affected. Life Insurance is underwritten based on a "snapshot" of your health when your policy incepts and you are usually covered for new illnesses that happen after that. Your should check with your underwriter.
If you are being treated for Cancer
If you are still receiving ongoing treatment for cancer or have been asked to undergo further tests or additional treatment or if you are awaiting new test results, it is not possible to take out any new Life Insurance policies at this stage.
If your Cancer treatment has completed
The availability of cover after cancer has been successfully treated depends on the type of cancer as well as the staging and severity of the cancer and the individual person’s recovery.
Our underwriters will not be able to consider cover for anyone until treatment has been completed and an additional period of time has elapsed so that it is clear the person’s condition is stable and the cancer has been proven not to have returned or spread. This Postponement period is dependent on the type of cancer a/ nd your specific case but will be at least 12 months after treatment is completed and may be longer, in the case of Melanoma Skin Cancer it will usually be 24 months after treatment is completed by way of comparison most standard market insurers insist on waiting at least 5 years after treatment before they are able to consider offering terms.
When can I enquire / apply for cover?
As explained above the Postponement period is dependent on the type of cancer and your specific case, but will be at least 12 months after treatment is completed and may be longer.
In the case of Melanoma / Skin Cancer, it will usually be 24 months after treatment is completed, but we would be happy to discuss your specific circumstances 12 months after treatment is completed.