Hi,
Just wanted to share this since I've seen a lot of questions regarding the topic, and because of how much of a hassle it was to find insurance for my wife.
My wife and I are in our early 30's – so we weren't thinking too much about life insurance – until my wife's diagnosis. She was diagnosed with spitzoid melanoma, no-ulcerated, 1.1mm, no mitotic rate, clarks level 4. Her SNB came back negative.
Hi,
Just wanted to share this since I've seen a lot of questions regarding the topic, and because of how much of a hassle it was to find insurance for my wife.
My wife and I are in our early 30's – so we weren't thinking too much about life insurance – until my wife's diagnosis. She was diagnosed with spitzoid melanoma, no-ulcerated, 1.1mm, no mitotic rate, clarks level 4. Her SNB came back negative.
After we got the SNB results, I called various life insurance company's – most of which told me that there was a "seasoning" period, or that the annual premiums would be $1500-1700.
I finally called a "broker" type company – who found multiple carriers who would insure my wife. One was a MAJOR company – highly rated – and she was quoted at 30 bucks a month for a 30 year term policy of $250,000. I didn't believe this, and asked if melanoma was excluded. She said no – there were no exclusions.
Just got the policy yesterday, and it was indeed 33 and change a month. I'm not here to "advertise" – but just letting you know with a little determination you can indeed find life insurance after a recent diagnosis. It probably will obviously depend on how serious the invasion is however, and if it's spread the lymph nodes or not.
Thanks!
