Can You Get Life Insurance If You Have Melanoma?

Shawn Plummer

CEO, The Annuity Expert

Eligibility for Life Insurance with a Current Melanoma Diagnosis

Current Diagnosis of Melanoma:

  • If you are currently diagnosed with melanoma, obtaining life insurance through traditional underwriting is generally not possible.
  • Life insurance providers consider active cancer cases as a significant risk, leading to application denial.

Obtaining Life Insurance Post-Melanoma Diagnosis

Factors Influencing Eligibility:

  1. Breslow Scale: Depth of the melanoma tumor, measured in millimeters, is a critical factor.
  2. Diagnosis Date: The time elapsed since diagnosis can affect eligibility.
  3. Treatment History: Types of treatments undergone and their effectiveness.
  4. Depth of Melanoma: How deeply the melanoma has penetrated the skin.
  5. Ongoing Treatment: Current or future treatment requirements.

Post-Melanoma Considerations:

  • Past melanoma patients may qualify for life insurance, but with potentially higher premiums.
  • The policy terms and acceptance depend on the severity and recency of the melanoma case.
  • Some insurers might offer coverage after a certain period of remission.

Life Insurance Eligibility Post-Melanoma

Factor ConsideredImpact on Insurance Eligibility
Breslow Scale DepthHigher depth may lead to higher premiums or denial
Time Since DiagnosisLonger periods post-diagnosis may improve eligibility
Treatment Types & EffectivenessSuccessful treatment can positively influence eligibility
Melanoma DepthDeeper melanomas might increase risk assessment
Ongoing Treatment NeedsRequirement for ongoing treatment can be a deterrent


When considering life insurance with a history of melanoma, it’s important to understand the factors that influence eligibility and premiums. Those currently diagnosed with melanoma may find it challenging to obtain coverage. However, past melanoma patients have potential options, depending on their specific medical history and treatment success. Understanding these factors can guide you in making informed decisions about life insurance.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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