Re-Flections Medical Newsletter June, 2000
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reinventing reinsuranceSM LETTER FROM THE EDITOR GENETICS AND NEW TREATMENTS IN Dear Reader: BREAST CANCER Approximately 180,000 In this issue we present articles on breast cancer and a review of Type 1 women in the U.S. alone are diag- Diabetes Mellitus. We also introduce a new contributor, Jeanne Mariani, a nosed with breast cancer each year. ® member of the RGA Underwriting Group. Considering that breast cancer accounts for 29 percent of all can- In recent years, breast cancer statistics have shown a very gradual reduction in cers in women, it’s no wonder that mortality in populations around the world. The mortality remains high in we, as underwriters, are faced with most countries in the Northern Hemisphere while in countries such as Japan numerous applications from and China the mortality rate remains quite low. These changes have been breast-cancer survivors. What fol- attributed to early diagnosis, improvement in therapy and possibly, lifestyle lows are a few topics of interest on changes. As a result of these changes, we are likely to see increasing numbers the genetics and treatment of of applications from women with breast-cancer histories. The challenge will breast cancer. be to stratify these applicants appropriately. In cases of early disease (carci- noma in situ and early Stage 1 disease) the majority of these women may Genetics of Cancer approach close to standard mortality. More advanced disease is associated There are two types of with 10-year survival rates, ranging from 66 percent with Stage II disease to genetic lesions that can lead to the 7 percent with Stage IV disease. development of cancer: mutations in tumor suppressor genes and These statistics confirm that even Stage II disease remains a chronic disease mutations in oncogenes. The pro- with significant underwriting implications. Permanent ratings may be appro- tein products of tumor suppressor priate for many years after the completion of treatment. genes function in normal cells to control cell growth and apopto- Breast cancer’s complexity precludes a discussion of all its facets. In this issue sis (programmed cell death). we will address genetic factors, treatment, and hormonal manipulation. Mutations in these types of genes lead to the loss of this control In the review of Type 1 Diabetes Mellitus we have attempted to demonstrate function, resulting in unchecked how improvements in treatment and management have increased survival, cell growth (i.e. tumor formation). allowing for more accurate underwriting decisions for consistently compliant The protein products of mutated applicants. oncogenes are usually produced in small amounts in the cell, if at all, Comments and questions, as well as suggestions for future issues, should be and function to control normal cell addressed to J. Carl Holowaty, M.D. at e-mail: [email protected]. growth. A mutation in one of these genes can lead to an over- Sincerely, expression of the protein, >>> Norma E. Davis, M.D. 2000 FIRST ISSUE >>> or a different form of the protein, either of which product. This protein, the product of the HER2 gene, can also lead to the unsuppressed growth seen in tumors. is found on the surface of some cells, and plays a role in A genetic mutation can either be specific for a certain regulating growth by acting as a receptor for growth fac- tumor type or may occur in many types of cancers. HER2 tors. Breast cancers that overexpress the protein product (see below) is an oncogene, the protein product that is of this gene are associated with a poor prognosis. A found to be overexpressed in some breast cancers. P53 is positive test indicates that the tumor has a high likeli- a tumor suppressor gene, mutations of which are found hood of recurring. In node-negative women, this test in many tumor types, including breast cancer. may help determine whether chemotherapy will be ben- eficial or even necessary. It appears that this testing may BRCA1 and BRCA2 become as routine as estrogen and progesterone recep- The BRCA1 and BRCA2 genes are tumor sup- tor testing in the future, and may therefore, be another pressor genes associated with a predisposition to develop valuable tool for prediction in underwriting. breast cancer. A woman with a mutation in one of these In 1998, the FDA approved the drug, Herceptin genes may have up to a 60-percent chance of developing (Trastuzumab), an antibody against HER2. Herceptin, breast cancer in her lifetime. The original genetic testing when given to women with overexpression of HER2, for mutations in these genes was done solely on high-risk binds to the protein on the cell surface, slowing the women with a strong family history of breast cancer. The tumor growth. Initial studies indicate treatment with general population may have a lower incidence of disease Herceptin, combined with traditional chemotherapy, associated with these mutations. slowed disease progression and increased response For all the publicity BRCA1 and BRCA2 have rates. received in the media, a mutation in one of these genes is found in only 5-10 percent of women diagnosed with p53 breast cancer. The majority of women with breast cancer The p53 gene produces a protein that is do not carry a mutation in these genes. However, women thought to regulate the growth of normal cells by sup- who do carry one of these mutations and go on to pressing cell division or inducing apoptosis (pro- develop cancer are likely to present with high grade, grammed cell death). A mutation in the p53 gene can estrogen receptor negative tumors. In addition, they are cause a loss of this function, which can lead to more likely to relapse after treatment and have a worse unchecked cell growth and tumorigenesis. Several stud- overall prognosis than women who do not carry BRCA ies have indicated that abnormal p53 in breast cancers is mutations. Mutations in these genes have also been asso- a marker for aggressive tumors and recurrent disease. ciated with the development of ovarian, prostate, and col- Alterations in p53 are the most common genetic muta- orectal cancers. tion found in all human cancers. Several additional gene mutations and abnormal Prophylactic Mastectomies gene products, such as UPA, PAI-1 and CtIP, are under A 1999 article in The New England Journal of investigation to determine their usefulness as predictors Medicine discussed a study of prophylactic mastectomies of the outcome of breast cancer. Genetic tests may in women with a high to moderate risk of breast cancer. eventually play an important role in the choice and type These women had strong family histories of breast can- of therapies for this disease as well as more accurately cer, but were not genetically tested for the BRCA muta- predicting the course of the disease. tions. It was found that prophylactic mastectomies could reduce the incidence of breast cancer by at least 90 per- Jeanne Mariani cent. In this type of operation, it is not possible to remove all of the breast tissue, so the operation does not guaran- References: tee that cancer will not develop. In addition, it is a major, New England Journal of Medicine 1999; 340-342 disfiguring operation, and although these results are opti- American Cancer Society Website: http://www.cancer.org National Cancer Institute Website: http://www.nci.nih.gov mistic, many of the women operated on would not have University of Pennsylvania Cancer Center Oncolink: Website: developed cancer anyway. However, prophylactic mastec- http://www.oncolink.com tomy is an option many women have chosen when faced British Journal of Cancer 1994; 69-73 with a positive test for a BRCA mutation, and an even greater risk of developing the disease. HER2 Within the last year, the media has reported on a www.rgare.com new test for women who have already been diagnosed SM with breast cancer. The test, called the “Inform Gene REINSURANCE GROUP OF AMERICA, INCORPORATED Detection System Test,” developed by Oncor Inc., exam- ines tumor tissue for overexpression of the HER2 gene is a registered mark in the United States and Canada. TYPE 1 DIABETES MELLITUS — AN OVERVIEW Type I Diabetes Mellitus (insulin-dependent diabetes mellitus, juvenile diabetes) varies in frequency from country to country as well as within regions of the same country. It is an autoimmune disease that usually affects persons under 20 years of age. However, it can occur at any age and does demonstrate a small peak in midlife. With advances in treatment, the mortality and morbidity associated with this impairment have improved sig- nificantly during the past 40 years, resulting in an estimated 15-year increase in life expectancy. The incidence of Type I Diabetes varies from less than one per 100,000 in Korea to greater than 40 per 100,000 in certain parts of Finland. The disease is rare among Asians, Native Americans and Black Africans while the incidence in Europe increases as one travels north from the Mediterranean region. In the United States, the incidence varies from 10 per 100,000 in San Diego to nearly 20 per 100,000 in North Dakota. The reasons for these variations appear to be multifactorial. Genetic predisposition is well recognized, as is the autoimmune process. These are represented by insulitis (lymphocytic infiltration of the islets) and the presence of antibodies to islet cells, insulin and glutamic acid decarboxy- lase, which appear before the onset of symptoms. The presence of autoimmune antibodies does not, however, always result in the development of diabetes, suggesting that environmental factors contribute to its evolution. This is further enhanced by the following observations: > Regional differences in prevalence occur in fairly homogeneous populations. > Seasonal variations exist in rates of appearance with statistically significant increases in late fall and early winter.