A cancer of the pigmented area of the skin. Melanoma is a highly malignant tumor that can spread to any organ of the body. Tumors may be staged according to thickness or Clark Level.
Action will vary according to the thickness of the tumor, depth of invasion, stage (size), presence or absence of ulceration and any history of atypical nevi (atypical moles), as well as metastasis (spread) of the cancer. This information is available from the pathology report.
The time frames given are measured from the point at which all curative treatment (surgery, chemotherapy, radiation therapy) is completed.
Ratings may range from Standard for the thinnest tumors with minimal invasion, without ulceration and no history of atypical nevi, to a postponement period of five years and then Table B with a flat extra/thousand ranging from $20 to $7.50 for a period of years depending on time elapsed.
Life Insurance Solutions, in summary when underwriting a melanoma disease history, suggests for those persons looking for life insurance for melanoma, the following factors are very important in assessing the risk:
- Thickness of tumor, in mm?
- Depth of tumor?
- Clark Level?
- Any history of dysplastic nevus syndrome?
- Date of diagnosis?
- Date of surgery?
- Other treatment?
- Date all treatment was completed?
- Any recurrence or more than one melanoma? Dates?
- Date of most recent follow-up?
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