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.
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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.
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