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Skin Cancer

Still another form of cancer that has seen significant evolution of underwriting practices, we have seen
unprecedented positive change in the last 5 years. It was only about 10 years ago that underwriters
were in full retreat when a study intimated a connection between multiple basal cell carcinoma
occurrences and the risk of melanoma. In that same period melanoma was rarely headed for an
approval unless it was a low stage and grade and there had been 5 to 10 years since that occurrence.

Again, because of more diligent screening by individuals and dermatologists, melanoma is being found
more often insitu, which is fully encapsulated and actually a stage 0. Risk Life has helped clients get
better than standard rates on life insurance within just a few months of successful excision. This has
carried over into success in getting standard rate insurance for people that have had more than one
occurrence of melanoma.

And the days of running scared if a client has had more than one basal cell has reversed back to
preferred and preferred plus rates if a person has had 2 or 3 instances, and completely unheard of
standard rate approvals for people with Nevoid Basal Cell Carcinoma Syndrome, a situation where
patients regularly have a few basal cell carcinomas removed almost every trip to the dermatologist.

The other thing that Risk Life attributes some of this change to is underwriters recognizing that people
who have had a run in with skin cancer are frequent flyers with their dermatologist, seeing them a few
times a year and coupling that with frequent self-examination.