Loran Marmes

Burial Insurance with Melanoma (skin cancer).


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Melanoma is considered the most dangerous form of skin cancer. These cancerous growths can develop when unrepaired DNA damage to skin cells triggers genetic defects that will cause the skin cells to multiply very quickly and form malignant tumors.

This damage is most often caused by ultraviolet radiation from tanning beds or the sun’s rays.

These melanomas typically look like moles, and some develop from existing moles on your body. Most of them are black or brown, but may also be skin-colored, red, purple, white, or blue.

Many people are genetically disposed to getting melanoma and over 10,000 people in the U.S. die from it every year.

If melanoma is discovered and treated early, there is a high instance of being cured, but if not, the disease can spread to other parts of your body and become difficult to treat and result in death.

Although melanoma is not the most common type of skin cancer, it certainly results in the most fatalities.


Risk Factors for Melanoma


Melanoma can affect anyone regardless of age or gender. There are, however, certain factors that can substantially put you at risk:


  • Exposure to ultraviolet light (sunshine and tanning beds)
  • Having a fair or light complexion
  • Atypical, or dysplastic moles
  • A history of melanoma in your family
  • Medications or conditions that can suppress your immune system


How Common is Melanoma in the U.S.?


According to the American Cancer Society, cancer of the skin is the most common of all cancers. Although it accounts for just one percent of skin cancers, it causes the majority of all skin cancer deaths. The estimates for melanoma for 2017 in the U.S. are remarkable.


  • Approximately 87,000 new melanoma cases will be diagnosed in 2017. Of that amount, about 35,000 will be women and about 52,000 will be men.
  • Approximately 10,000 are expected to die from the disease with 6,400 being men and about 3,600 were women.
  • The rates for melanoma have been increasing every year for the last 30 years.


Most Common Forms of Treatment for Melanoma


Depending on the state of the cancer when discovered, the most common treatment options are:

  • Surgery
  • Immunotherapy
  • Chemotherapy
  • Targeted Therapy
  • Radiation Therapy


In most cases, if melanomas are discovered in the early stage, treatment will typically be surgery. If the melanoma is considered to be in an advanced stage, one or several other treatments will be required.


Preventative Measures


The American Cancer Society is now recommending dermatological examinations every three years for individuals age 20 to 40, and at least once per year for individuals over the age of 40.

They also recommend self-examinations about once a month using a mirror so you can check hard-to-see places on your body. You should get to know your skin and if you notice any changes, call your doctor.

Certainly, the best method of skin cancer prevention is to reduce your exposure to sunlight and the use of tanning beds.

You should avoid prolonged exposure to sunlight between 10 am and 4 pm when ultraviolet light is likely to be more intense.

You can protect your skin by wearing sunscreen and a hat when out in the sun and by all means, avoid using tanning beds.


Finding affordable Burial Insurance with a History of Melanoma


To get the best rates on traditional life insurance or burial insurance, the process can be quicker and easier if you apply with a no medical exam life insurance company.

When you apply for life insurance with melanoma, you should expect to complete an insurance application with many questions regarding your health and lifestyle and a supplemental questionnaire about your melanoma diagnosis and treatment.

Your underwriter will be specifically concerned with the following:


  • What age were you when diagnosed?
  • How much time has elapsed since your diagnosis?
  • What stage and grade was the cancer?
  • What size was your tumor or tumors?
  • Was metastasis present?
  • How rapidly are the cancer cells dividing (mitotic rate)?
  • Is there evidence of ulceration or a missing layer of the tumor?
  • Did you have a recurrence following recovery?
  • Was your treatment successful and what is the prognosis?
  • Are you adhering to post-treatment recommendations and follow-up doctor visits?
  • Do you smoke tobacco or drink alcohol?
  • Do you have any other health issues?


Knowing the answers to these questions will help your underwriter during the underwriting process so they can offer the best rate class possible.


Your Outcome Depends on Your Prognosis


The very good news is that many life insurance applicants with a history of melanoma qualify for affordable level benefit burial insurance, but it’s important to note that the assigned rate class can be unpredictable and subjective.

If you take advantage of the services offered by an experienced independent insurance agent, he or she can likely predict your rate class based on the information you provide.


Using an independent agent that has a history of success with high-risk cases can put you in a better position to get the most affordable rate class because these agents represent most of the highly-rated insurers and will place your case with an insurer who is most likely to deliver an affordable life insurance solution.


If Your Outcome is Unfavorable


If, after your underwriting has been completed and a rate class assigned, you are not pleased with your offer, you can attempt to place your application with a different carrier in hopes of a more positive result.


If your application is declined by the insurer, your independent agent will likely be in a position to offer alternative methods of buying life insurance with melanoma such as graded benefit or guaranteed issue burial insurance.

Most independent agents that are successful at placing high-risk cases will be able to find a way to provide life insurance in almost every situation.


For more information about affordable burial insurance with Melanoma or to get a free and confidential quote, call LJM Life Insurance at 844-528-8688 during normal business hours or contact us through our website.

About the Author


Loran Marmes headshotMy name is Loran Marmes and I am the owner of MyBurialInsurancePlan.com. I would like to explain why we are your best option when it comes to Life Insurance. We are an Independent Agency and we contract with all of the top-rated carriers in the country so we can offer you products and pricing tailored to your needs and budget. After a four-year tour of duty, I went into the printing business and enjoyed meeting with clients and helping them solve printing-related business issues. After years of 12-hour days in the printing business, I got my Health and Life Insurance license and decided to specialize in Life Insurance because I have seen first hand what happens to a family when the main breadwinner dies without any coverage. My intentions will always be to put your needs first so that I can deliver solutions that will accommodate your circumstances and your budget.