Skin cancer is fairly common. 1 in 5 Americans will develop it by the age of 70, and more than two people die from it every hour. If you're hoping to avoid a melanoma diagnosis, there are a few simple steps you can take. Here's everything you need to know to prevent skin cancer.

Avoid prolonged exposure to the sun

This step is fairly obvious considering ultraviolet (UV) light exposure is a huge risk factor of melanoma. The longer you spend in the sun, the more at risk you are for developing melanoma and other forms of skin cancer. There are three main types of UV radiation: UVA rays, UVB rays, and UVC rays. UVA rays have the least energy, but that doesn't mean they aren't dangerous.

Long-term exposure to UVA rays can age the skin and indirectly damage your cells' DNA. UVB rays are to blame for your sunburns. They directly damage the cells' DNA and are believed to be the cause of many skin cancers. UVC rays are typically not a problem unless you're exposed to a man-made material that gives them off, like a welding torch or UV sanitizing bulb.

You can avoid prolonged exposure to these rays by limiting your time outside and in tanning beds. UV rays are strongest between 10 a.m. and 4 p.m. and during spring and summer in North America. Also, the higher altitude you are, the more rays will reach the ground. Even just being surrounded by reflective water can increase your exposure. Be aware of the risks and avoid prolonged sun exposure when possible.

Wear protective clothing that covers your arms, legs, and face

When it's not possible to avoid sun exposure, it's a good idea to cover your arms, legs, and face with protective clothing. There are plenty of scenarios where you'd need to be out in the sun for a longer amount of time than recommended. You might be taking a walking tour while on vacation or you're volunteering to build a house for someone who needs it.

In a situation like this, wear light-colored and light-feeling clothing. You don't want to overheat because you're trying to stay covered, so make sure the clothing is light and airy. You can wear a hat to protect your face and head and a breezy skirt will keep you from getting too much sun without overheating.

If you develop melanoma, you may want to consider a viatical settlement. You'll receive a lump sum cash payout for selling your life insurance policy to a viatical settlement provider. Receiving this cash value will help you afford your medical care and provide you with peace of mind during this difficult time.

It's a great option for any life insurance policyholder who is struggling to make ends meet, especially those with a chronic illness. Melanoma can become chronic, which means you would qualify for a viatical settlement. Use your payout to fund medical treatments or even just a much-needed trip with your family.

Wear sunscreen all the time

The importance of sunscreen can't be overstated. Everyone should be wearing it, no matter your age or gender. Many men who work blue-collar jobs are exposed to UV rays but don't think or know to wear sunscreen. Applying sunscreen every morning before heading to work and reapplying a few times a day will reduce your risk of melanoma. Even when you don't think it will be a sunny day, it's a good idea to apply anyway. UV rays can still cause harm, even on cloudy days.

Sun exposure can age and damage your skin. It's important to still take care of your skin every day, even when you're wearing sunscreen regularly. Head to mallama.com to see why their vegan skincare products are right for your skin tone. If you're suffering from acne or skin sensitivity issues, you'll love the all-natural and high-quality products.

Do what you can to reduce your risk of melanoma and other types of skin cancer. With the right prevention, you can keep yourself healthy for a long time.