Does Basal Cell Carcinoma Affect Life Insurance? 
No , basal cell carcinoma does not have much of an effect on life insurance premiums , if any . Squamous cell carcinoma does affect rates more , depending on the stage , how long ago it was removed , and whether there was any recurrence or multiple spots . Melanoma , of course , has the most significant impact on life insurance rates of cancer affecting the skin , and may cause a decline if past stage 1 occurred within the past year . 