How to get Life Insurance after Skin Cancer for Gen X:

By July 20, 2017Cancer

I remember being a kid during my adolescent summers rarely wearing a shirt (in spite of being a little chunky) and always wearing swim trunks. I’d bike over to my best friend Sean’s house—who lived about a mile away—knock on the door, and we’d be off shooting bottle rockets, going to the pool, playing ping pong, playing the easy game (baseball with a Koosh ball instead of a baseball), and always being in the sun. I was never admonished by my parents “to go play outside”—-I was always playing outside. I loved being outside; I still do. I rarely wore sun screen. I have naturally olive skin, but by the end of the summer, my skin would be dark. The crabby sunburns of early June would give way to the patchy brown freckles of mid July to the “really tan Robb” of late August, cramming in last-minute summer reading and readying myself for school to start. On more than one occasion over each summer at least one of my older sisters would tell me to put on sunscreen so “you won’t get skin cancer”—I dismissed them. They were half-hearted anyway—my sisters certainly earned their group membership discount at the local tanning bed.

Thanks for reading my short trip down memory lane.

I imagine the summers of many Gen Xers—people in their mid to late 30’s, 40’s, and early 50’s—were similar to mine.

Undoubtedly, the summers spent under the sun of my youth has taken a toll on my skin now that I’m in my late 30’s. But, I wouldn’t trade those memories for anything in the world….I really wouldn’t.

(If you have read enough about the summers of my youth and came here to get term life insurance quotes, go here. Just enter your height, your weight, and how much life insurance you want in the life insurance quoter, and you’ll be able to generate your own life insurance quotes from around 20 A-rated life insurance companies in about 5 minutes of your time).



Getting to the point of this article: What are the types and stages of skin cancer, and how is skin cancer treated?

According to the American Cancer Society, “skin cancer starts in the cells of the skin. Some other types of cancer start in other parts of the body and can spread to the skin, but these are not skin cancers.

There are 3 main types of skin cancers:

  • Basal cell skin cancers (basal cell carcinomas)
  • Squamous cell skin cancers (squamous cell carcinomas)
  • Melanomas.” (credits here)

These are the stages of non-melanoma skin cancer:

  • “Stage 0 (Carcinoma in Situ)
  • Stage I Stage I nonmelanoma skin cancer. The tumor is no more than 2 centimeters.
  • Stage II Stage II nonmelanoma skin cancer. The tumor is more than 2 centimeters wide.
  • Stage III
  • Stage IV.” (credits here)

Read this article for an understanding of the stages of melanoma skin cancer.

Treatment of skin cancer is type-dependent. All in all, skin cancer is treated through prescription topical medication, surgery, radiation, and chemotherapy.

What do life insurance companies look at when they get a life insurance application from a Gen Xer who beat skin cancer?:

Life Insurance companies will look at the following criteria when they get a life insurance application from a Gen Xer who has had skin cancer:

  • INITIAL DIAGNOSIS—Life Insurance companies are concerned with when you were first diagnosed with skin cancer. Age of diagnosis is important.
  • LAST TREATMENT—Life Insurance companies are concerned with when you were last treated for skin cancer, and the date in which your doctor said that you were cancer-free.
  • TYPE OF SKIN CANCER—There are three basic types of Skin Cancer: a) Melanoma (the most dangerous type of skin cancer), b) basal cell skin cancer (most common skin cancer and the least dangerous), and c) squamous cell skin carcinoma (usually not life threatening).
  • STAGE OF SKIN CANCER—As aforementioned, there are five main stages of non-melanoma skin cancer—there are also five stages to melanoma skin cancer. The severity of the skin cancer increases as you go up the stages. Life insurance companies will want to know what stage of skin cancer you had prior to treatment.
  • METHOD OF TREATMENT—Life Insurance companies will take into consideration the method that was used to get rid of the skin cancer. Common methods for subduing skin cancer include the following: incision surgery (i.e. cutting it out), laser surgery, scraping it out, liquid nitrogen, topical medications, radiation, and even chemotherapy.
  • SUBSEQUENT OCCURRENCES—Life insurance companies are very concerned about whether you have had subsequent occurrences of skin cancer after the initial bout of skin cancer was defeated. This is one of the biggest factors that life insurance companies look at when evaluating the life insurance application of a Gen Xer who formerly had skin cancer.
  • DERMATOLOGIST FOLLOW-UPS—Underwriters at Life Insurance companies are going to want to know how often you go to see your Dermatologist since being treated for skin cancer. Since skin cancer can have reoccurrences, going to your Dermatologist monthly or quarterly to get checked out are important in keeping skin cancer at bay.
  • MEDICAL EXAM—The standard by which life insurance companies determine your overall health and your final life insurance rate is the life insurance medical exam. Your life insurance medical exam will give life insurance companies a good indication of your overall health.

All in all, getting life insurance after skin cancer is doable—just remember, life insurance companies take into account the criteria mentioned above when they get a life insurance application from a Gen Xer who has had skin cancer.

I hope this has been a helpful article on life insurance after skin cancer.

If you have defeated skin cancer and would like to get quotes for term life insurance, call me at (615) 525-6165, email me at, Contact Me Here, or message me through


Until next time and until next life insurance article,


Robert Weigel

Term Life Insurance Agent for Generation X

(615) 525-6165