Squamous cell carcinoma is a common form of skin cancer arising from squamous cells in the epidermis. It often presents as a scaly, red, or crusted lesion that may ulcerate, usually on sun-exposed areas such as the face, ears, and hands. While many cases are localized and highly treatable with excision, curettage, or radiation, squamous cell carcinoma can be more aggressive than basal cell carcinoma and, in higher-risk cases, can metastasize. Risk factors include cumulative UV exposure, fair skin, immunosuppression, and certain precancerous conditions. From an underwriting perspective, localized, adequately treated squamous cell carcinoma generally carries favorable prognosis, whereas recurrent, invasive, or metastatic disease may warrant ratings or postponement.

When applicants disclose squamous cell carcinoma, underwriters look for biopsy reports, treatment details, and follow-up notes documenting clear margins and absence of recurrence. Single, small, noninvasive lesions treated promptly often receive standard or mildly rated offers after an appropriate waiting period. Multiple lesions, immunosuppressed status, or advanced-stage disease increase concern. Advisors can expedite decisions by obtaining pathology reports and dermatology notes before submission. They also reassure clients that many localized skin cancers do not preclude favorable coverage. Understanding squamous cell carcinoma helps advisors frame expectations around timing, possible ratings, and the importance of ongoing dermatologic surveillance.