Need insurance for 24yr old female 5 years out of melanoma

Jan 12, 2007

  1. maryjd123
    Offline

    maryjd123 Super Genius

    Posts:
    156
    Likes Received:
    0
    Yes i know -- probably not -- but

    its always worth a try

    i need insurance for a 24 yr old female -- she had melanoma stage 4 clarks - skin cancer

    since it was removed there has been no reoccurence

    i already called a bunch of carriers -- all no

    except for the wyoming pool -- anyone else out there? please let me know -- besides a discount plan

    mary
     
  2. STIBROKER
    Offline

    STIBROKER Like My post and enter the DRAWING,,,, Moderator

    Posts:
    10,310
    Likes Received:
    277
    State:
    Texas
    tell her to get a job with health benefits.....
     
  3. GreenSky
    Offline

    GreenSky Guru

    Posts:
    15,275
    Likes Received:
    391
    State:
    Nevada
    Thought I'd bump this thread. I assume Mary has been waiting 18 months for a better answer.

    Rick
     
    GreenSky, Jul 27, 2008
    #3
  4. TXINSURANCE
    Offline

    TXINSURANCE Guru

    Posts:
    3,858
    Likes Received:
    28
    Does Wyoming Waiver? I know some states might rider that out.
     
  5. GreenSky
    Offline

    GreenSky Guru

    Posts:
    15,275
    Likes Received:
    391
    State:
    Nevada
    This actually brings up an interesting question. I believe that assurant asks "in the past 5 years..." If the client truthfully answers "no" to cancer in the past 5 years, would she then be accepted? How would and how could the carrier use any information not specifically requested for underwriting? If all other answers were "no," at 24 years old she's probably get a policy issued immediately.

    If an agent discloses something he learns (such as cancer 6 years ago) and relays this to the company, wouldn't the agent be in violation of privacy laws?

    Rick
     
    GreenSky, Jul 27, 2008
    #5
  6. Crabcake Johnny
    Offline

    Crabcake Johnny Guru

    Posts:
    14,811
    Likes Received:
    12
    State:
    South Carolina
    Assurant goes back 10 for cancer.
     
  7. TXINSURANCE
    Offline

    TXINSURANCE Guru

    Posts:
    3,858
    Likes Received:
    28
    Most applications I read say no treatment, advice, etc., etc.,

    Odds are with skin cancer and a young age she is periodically checked - maybe annually.

    I think leaving it off the application could cause some serious liability.
     
  8. Crabcake Johnny
    Offline

    Crabcake Johnny Guru

    Posts:
    14,811
    Likes Received:
    12
    State:
    South Carolina
    And there's the rub...no treatment, consultations, advice, etc....

    You might have had cancer 11 years ago but I'd bet my bottom dollar your doctor has run tests over the years - then it needs to go on the app.
     
  9. GreenSky
    Offline

    GreenSky Guru

    Posts:
    15,275
    Likes Received:
    391
    State:
    Nevada
    While I've never had skin cancer (or any other kind), when I see my dermatologist to keep myself in the pink, he checks all moles, etc. That's not treatment, consultation, advice, or anything else.

    Had I been diagnosed 11 years ago, his exam would be identical. I don't think checking up on things that a normal person would need to be checked up opon (great English!) consitutes treatment, consultation, advice, etc.

    I've had doctors tell me not to be in the sun 12 hours a day for months because it can lead to skin cancer. If it does, will I have my policy recinded if I don't mention that I received advice on the application?

    I think we're going a little overboard in what consititutes a pre-exisiting condition.

    Rick
     
    GreenSky, Jul 27, 2008
    #9
  10. TXINSURANCE
    Offline

    TXINSURANCE Guru

    Posts:
    3,858
    Likes Received:
    28
    I agree however the insurance company will not.

    If this person has skin cancer again, they will pull all medical records, and DOCTORS NOTES and where there is no mention of such condition on the original application - this is a solid case for recision.
     
Loading...