Burial Insurance with Melanoma [Skin Cancer]

Finding burial insurance with Melanoma is may not be easy for someone looking to purchase life insurance. Unlike basal cell and squamous cell carcinoma, melanoma is the most severe type of skin cancer.

Cancer is a medical condition that every burial or life insurance company will ask about.

Even though melanoma can raise red flags for life insurance carriers, in all cases, cancer patients with melanoma can qualify for burial insurance.

Funeral Funds has helped many customers with melanoma secure affordable burial insurance coverage, and we will help you get the best burial insurance with a melanoma diagnosis.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF MELANOMA?

Your ability to qualify for burial insurance with melanoma depends on the following factors:

  • Date of your melanoma diagnosis
  • How long has passed since your melanoma treatment
  • Prescription medications taken
  • Amount of time cancer-free.


MELANOMA TREATMENTS

There are many types of skin cancer treatments that the insurance companies consider before offering and approval or offer of coverage:

  1. Surgery
  2. Radiation
  3. Chemotherapy
  4. Immunotherapy
  5. Targeted therapy (chemotherapy and radiation)
  6. Any prescription drugs meant to treat cancer

If you are undergoing any of these because of skin cancer, these will qualify as treatmen for cancer.

YOU HAVE HAD MELANOMA TREATMENT AND CANCER FREE FOR 2 YEARS OR LONGER

You are considered cancer-free by most burial insurance companies after two years have passed since your last treatment.

It’s very unusual for a final expense company to ask about melanoma or skin cancer beyond the two-year mark. You will easily qualify for level death benefit with first-day coverage and no waiting period on most final expense companies.

Best Option: First-day benefit plan


YOU HAVE MELANOMA AND YOU HAVE BEEN TREATED WITHIN THE LAST TWO YEARS

Unfortunately, most burial insurance company has a two-year look-back period on melanoma. Because of this, you fall into the highest risk category with every company.

Best Option: Guaranteed issue burial insurance with waiting period

Important note: You cannot avoid a waiting period if you have been treated for melanoma within the last two years. If you pass during the waiting period, your beneficiaries will not receive the full death benefit; instead, they will receive the refund of all your premiums plus interest.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE MELANOMA, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with melanoma.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE MELANOMA

Every single burial insurance company will ask about cancer in their application. Each company has unique underwriting guidelines, and they consider some health and medical variables when underwriting your application.

They will ask you these questions to determine what policy options are open for you and how much your monthly premium will be. They will also check your prescription history as part of the underwriting process.


HEALTH QUESTIONS

The first part of a burial insurance underwriting is the health questionnaire.

You can see melanoma (skin cancer) asked this way:

  • In the last 2 years, have you been diagnosed with cancer or been advised to receive radiation or chemotherapy for cancer?
  • In the last 2 years, have you ever been treated for any internal cancer?
  • In the last 3 years, have you received treatment for any internal cancer?
  • In the last 3 years, have you been diagnosed with cancer, or received radiation or chemotherapy for cancer?

Melanoma has a two-year minimum lookback period. If you have melanoma in the last two years, you will still qualify for a higher-risk option with the insurance carrier.


PRESCRIPTION HISTORY CHECK

Burial insurance companies will check your prescription history to see what medications you take for any health conditions.

Here’s a list of some common drugs for Melanoma:

  • Ipilimumab
  • Nivolumab
  • Opdivo
  • Pembrolizumab
  • Sylatron
  • Trametinib
  • Yervoy

There are different drugs to treat melanoma. If you have filled any cancer treatment medications within the last two years, burial insurance carriers will assume you are undergoing treatment for melanoma.


HOW MUCH INSURANCE DO I NEED IF I HAVE MELANOMA?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


MELANOMA AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE MELANOMA?

To help you find the best rates and company, our agents will ask you the following questions:

  1. When were you initially diagnosed with melanoma?
  2. How many occurrences did you have?
  3. What type of treatments did you receive for melanoma?
  4. When was your treatment completed?
  5. Have you had any recurrences of melanoma spots that were previously removed?
  6. Do you have annual follow-up visits with your doctor or dermatologist?

Your answers to these health questions will help us determine what burial insurance carriers match your needs. The price of your insurance premium will rely heavily on the last time you had treatment for your melanoma.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH MELANOMA

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with melanoma
  • Cremation insurance plan with melanoma
  • Funeral home insurance plan with melanoma
  • Final Expense insurance plan with melanoma
  • Prepaid funeral plan insurance with melanoma
  • Mortgage payment protection plan with melanoma
  • Mortgage payoff life insurance plan with melanoma
  • Deceased spouse’s income replacement plan with melanoma
  • Legacy insurance gift plan to family or loved ones with melanoma
  • Medical or doctor bill life insurance plan with melanoma

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy with melanoma needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You need not waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for melanoma funeral insurance, or melanoma burial insurance, or melanoma life insurance, we can help. Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.

Life Insurance, Funeral Insurance, Final Expense Insurance, Burial Insurance Melanoma Infographic

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