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How Basal Cell Carcinoma and Squamous Cell Carcinoma Affects Life Insurance Rates

Basal cell carcinoma, which affects approximately two million Americans every year, is the most common form of skin cancer. In fact, one out of five people will develop a form of skin cancer in their lifetime. Insurance companies most often offer preferred rates once the cancer treatment has been completed. However, preferred rates may not be available in instances where the basal cell carcinoma reoccurs, especially in young people.

If you've been diagnosed with basal cell carcinoma, it is important that your agents knows the following:

1) Date of the diagnosis

2) Date of the last treatment

3) How and when the cancer was treated

4) If the cancer is reoccurring

Basal Cell Life Insurance Rates

Here are some examples of what an otherwise healthy, 47-year-old, non-smoking female might expect to pay for a $500,000 policy:

Term (in Years) / Premium (Monthly)

10 / $30.63

15 / $36.31

20 / $48.56

25 / $64.14

30 / $78.31

If you have squamous cell carcinoma, you're among one of 700,000 Americans who have been diagnosed each year. It is possible to obtain preferred rates with squamous cell carcinoma, but this will depend on the stage and grade of the cancer, in addition to the number of occurrences (one occurrence being the maximum).

According to the Skin Cancer Foundation, "Squamous cell carcinomas are at least twice as frequent in men as in women. They rarely appear before age 50 and are most often seen in individuals in their 70s."

Squamous Cell Life Insurance Rates

Here are some examples of what an otherwise healthy, 60-year-old, non-smoking male might expect to pay for a $500,000 policy:

Term (in Years) / Premium (Monthly)

10 / $140.26

15 / $194.65

20 / $253.66

25 / $406.33

30 / $500.08

If you've been diagnosed with squamous cell carcinoma, it is important that your agents knows the following:

1) Date of the diagnosis

2) Date of the last treatment

3) How and when the cancer was treated

4) Stage and grade of the cancer

5) How many occurrences of the cancer

If you're looking to purchase life insurance and you've been diagnosed with a form of skin cancer, you're best served by working with an independent agent who has experience underwriting this risk. Insurability and actual ratings for individuals with skin cancer vary depending on factors such as the specific condition and severity of the condition. The rates above are examples and cannot be guaranteed.