Why do health insurance companies deny life ins coverage to people who have a history of malignant melanoma's?

Question

I was just denied life insurance coverage due to a health history of malignant melanoma = 10 years ago, 2 squamous cell carcinoma's = 5 years ago, and 3 displastic nevi removed 6 months ago by my dermatologist. I get skin exams whenever I see anything suspicious. I take all the necessary precasions. I am almost 45 years old; fair complected, and a female.

Answer 1

The reason is because life insurance companies think that your future risk of malignant skin cancer is higher than that of the average population.  The best offer you could get with your history as you mentioned it is standard.  You should work with an independent insurance broker with experience handling life insurance cases like yours.  Not all companies view the same risk the same way.  Placing your policy with the right company is important.

Answer 2

because insurance companies do not have a soul!

Answer 3

Watch "Sicko"......

Answer 4

melanoma can be related to a skin  cancer. that is why.

the main advise: never try to buy life insurance on the top of health insurance. ask life insurance specialist and he will be able to get you a life policy with melanoma history.

you will be rated at the higher risk level, but you can get it.

Best of luck to you

www.absinsurance.com

Answer 5

Well, there are two answers.  You're looking for standard rates.  Once you have a malignant  melanoma, you no longer QUALIFY for standard rates - the odds are just MUCH higher that you won't live as long as someone who hasn't had any melanoma.

The second answer is, if price is no object, you CAN buy life insurance.  You need to talk to a high risk life agent in your area.  You're just going to pay through the nose for it - maybe even close to payout value.