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KEVIN MANNIX is a salesman and entrepreneur in the healthcare industry, a husband, father of two and the son of a man who died of a heart attack at 52. In matters of business and of health, he lives by the same principles: Do your research, hedge your bets, avoid regret and - every once in a while - take a leap of faith.

Mannix has acted to curb the medical risks he may have inherited from his father. He eats carefully, doesn't smoke and is a regular at his gym. At 51, his knees creak a little. But he maintains the athletic build that made him a star running back at Penn State and an NFL hopeful who signed briefly with the New York Jets and the Philadelphia Eagles.

Adult stem cells are Mannix's leap of faith. And after a fair amount of research, he's intent on putting his in a bank.

"I don't want to look back in the future and say, 'Whoops, I should have done that,' " he says. "I don't want to have any regrets...