CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
|
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
|
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
|
Index of Tables
|
TABLE 1.1
|
TOTAL EXPERIENCE
|
TABLE 1.2
|
TOTAL EXPERIENCE -- MALES
|
TABLE 1.3
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 2.1
|
TOTAL EXPERIENCE -- SMOKERS
|
TABLE 2.2
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 2.3
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 2.4
|
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 2.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 2.6
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 3.1
|
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.2
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.3
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.4
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.5
|
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.6
|
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.7
|
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.8
|
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.9
|
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.10
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.11
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.12
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.13
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.14
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.15
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.16
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.17
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.18
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.19
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.20
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.21
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.22
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.23
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.24
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.25
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.26
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.27
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.28
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.29
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.30
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.31
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.32
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.33
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.34
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.35
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.36
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 4.1
|
TOTAL EXPERIENCE BY ILLNESS
|
TABLE 4.2
|
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
TABLE 4.3
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
TABLE 4.4
|
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
TABLE 4.5
|
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
TABLE 4.6
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
TABLE 4.7
|
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
TABLE 4.8
|
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 4.9
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 5.1
|
HEART ATTACK EXPERIENCE
|
TABLE 5.2
|
MALE HEART ATTACK EXPERIENCE
|
TABLE 5.3
|
FEMALE HEART ATTACK EXPERIENCE
|
TABLE 5.4
|
HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.5
|
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.6
|
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.7
|
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.8
|
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.9
|
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.1
|
LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.2
|
MALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.3
|
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.4
|
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.5
|
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.6
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.7
|
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.8
|
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.9
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.1
|
STROKE EXPERIENCE
|
TABLE 7.2
|
MALE STROKE EXPERIENCE
|
TABLE 7.3
|
FEMALE STROKE EXPERIENCE
|
TABLE 7.4
|
STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.5
|
MALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.6
|
FEMALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.7
|
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.8
|
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.9
|
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 8.1
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.2
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.3
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.4
|
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.5
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.6
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.7
|
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.8
|
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.9
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.10
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.11
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.12
|
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 9.1
|
TOTAL EXPERIENCE -- POLICY YEAR
|
TABLE 9.2
|
MALE EXPERIENCE -- POLICY YEAR
|
TABLE 9.3
|
FEMALE EXPERIENCE -- POLICY YEAR
|
TABLE 10.1
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.2
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
TABLE 10.3
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.4
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.5
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
TABLE 10.6
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.7
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.8
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.9
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.10
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.11
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.12
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.13
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.14
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.15
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.16
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.17
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.18
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.19
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.20
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.21
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.22
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.23
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 11.1
|
EXPERIENCE BY ISSUE YEAR
|
TABLE 11.2
|
MALE EXPERIENCE BY ISSUE YEAR
|
TABLE 11.3
|
FEMALE EXPERIENCE BY ISSUE YEAR
|
TABLE 1.1
TOTAL EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.3
|
1.5
|
29.0
|
324
|
27,686,711
|
368,976
|
31,616,644,977
|
1,184
|
95,432,267
|
2
|
49.0
|
2.0
|
50.7
|
581
|
48,842,292
|
328,814
|
28,437,871,728
|
1,185
|
96,342,072
|
3
|
55.1
|
2.2
|
60.4
|
650
|
58,271,242
|
291,349
|
25,414,506,499
|
1,180
|
96,482,314
|
4
|
56.5
|
2.2
|
59.4
|
640
|
55,165,422
|
249,001
|
21,827,468,412
|
1,133
|
92,914,955
|
5
|
55.7
|
2.3
|
58.2
|
597
|
51,212,800
|
211,431
|
18,560,738,633
|
1,072
|
87,947,072
|
6
|
56.4
|
2.4
|
59.1
|
551
|
47,758,382
|
173,444
|
15,304,870,198
|
976
|
80,801,463
|
7+
|
57.7
|
1.5
|
58.2
|
1,524
|
129,846,545
|
366,893
|
32,685,571,259
|
2,641
|
222,934,483
|
Total
|
51.9
|
0.7
|
54.2
|
4,866
|
418,783,394
|
1,989,909
|
173,847,671,706
|
9,372
|
772,854,626
|
By Issue Age
|
20-24
|
64.0
|
8.1
|
61.1
|
63
|
4,535,000
|
125,397
|
9,481,496,676
|
98
|
7,420,400
|
25-29
|
62.1
|
4.4
|
66.5
|
196
|
17,657,203
|
275,001
|
23,117,762,772
|
315
|
26,562,744
|
30-34
|
54.0
|
3.0
|
57.8
|
334
|
33,602,767
|
351,191
|
33,078,847,738
|
619
|
58,158,775
|
35-39
|
55.4
|
2.3
|
59.5
|
583
|
60,137,794
|
374,141
|
36,303,668,043
|
1,052
|
101,135,638
|
40-44
|
56.6
|
1.9
|
56.5
|
937
|
86,363,654
|
355,084
|
32,838,121,824
|
1,654
|
152,797,905
|
45-49
|
51.9
|
1.6
|
50.5
|
1,062
|
86,137,602
|
268,400
|
22,082,766,227
|
2,047
|
170,556,524
|
50-54
|
48.6
|
1.6
|
50.4
|
916
|
72,696,288
|
155,595
|
11,556,995,076
|
1,884
|
144,278,278
|
55-59
|
48.3
|
2.0
|
55.5
|
571
|
44,914,876
|
65,375
|
4,284,641,357
|
1,181
|
80,858,191
|
60+
|
39.0
|
2.7
|
41.0
|
203
|
12,738,210
|
19,726
|
1,103,371,993
|
520
|
31,086,170
|
Total
|
51.9
|
0.7
|
54.2
|
4,866
|
418,783,394
|
1,989,909
|
173,847,671,706
|
9,372
|
772,854,626
|
By Attained Age
|
20-24
|
51.2
|
11.7
|
40.6
|
19
|
1,127,500
|
57,118
|
4,275,547,010
|
37
|
2,778,478
|
25-29
|
63.9
|
6.0
|
63.3
|
114
|
9,006,323
|
196,295
|
15,714,771,748
|
178
|
14,238,439
|
30-34
|
55.1
|
3.7
|
60.0
|
224
|
21,503,363
|
299,741
|
26,566,739,961
|
406
|
35,809,650
|
35-39
|
50.2
|
2.7
|
52.7
|
357
|
35,528,079
|
347,417
|
33,363,336,033
|
710
|
67,390,638
|
40-44
|
54.5
|
2.2
|
55.8
|
634
|
61,506,815
|
356,633
|
34,143,727,072
|
1,164
|
110,190,519
|
45-49
|
54.7
|
1.8
|
57.2
|
935
|
86,687,229
|
317,089
|
28,186,593,552
|
1,708
|
151,507,040
|
50-54
|
51.1
|
1.6
|
50.0
|
1,001
|
80,108,061
|
224,503
|
18,117,138,427
|
1,959
|
160,249,455
|
55-59
|
49.6
|
1.7
|
52.1
|
855
|
68,050,061
|
124,767
|
9,169,332,565
|
1,723
|
130,579,985
|
60-64
|
51.7
|
2.2
|
60.4
|
529
|
43,146,297
|
50,532
|
3,378,605,538
|
1,023
|
71,445,400
|
65+
|
42.9
|
3.0
|
42.3
|
198
|
12,119,666
|
15,812
|
931,879,799
|
462
|
28,665,019
|
Total
|
51.9
|
0.7
|
54.2
|
4,866
|
418,783,394
|
1,989,909
|
173,847,671,706
|
9,372
|
772,854,626
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 1.2
TOTAL EXPERIENCE -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.9
|
2.2
|
28.0
|
154
|
14,829,250
|
177,478
|
17,169,582,802
|
572
|
53,044,543
|
2
|
47.9
|
2.9
|
50.4
|
280
|
27,468,894
|
158,957
|
15,499,796,039
|
585
|
54,457,555
|
3
|
52.1
|
3.0
|
57.1
|
309
|
31,605,689
|
141,515
|
13,910,712,543
|
594
|
55,368,758
|
4
|
53.6
|
3.0
|
55.3
|
311
|
29,882,235
|
121,433
|
11,971,640,744
|
581
|
54,032,568
|
5
|
53.2
|
3.1
|
52.8
|
296
|
27,285,776
|
103,223
|
10,175,863,462
|
557
|
51,669,775
|
6
|
50.2
|
3.1
|
49.4
|
258
|
23,770,468
|
84,741
|
8,419,262,793
|
514
|
48,117,580
|
7+
|
55.7
|
2.0
|
57.1
|
810
|
78,838,115
|
181,387
|
18,206,555,623
|
1,455
|
137,971,020
|
Total
|
49.8
|
1.0
|
51.4
|
2,419
|
233,680,427
|
968,734
|
95,353,414,005
|
4,856
|
454,661,799
|
By Issue Age
|
20-24
|
60.8
|
12.2
|
66.6
|
25
|
2,195,000
|
58,591
|
4,686,885,212
|
41
|
3,296,414
|
25-29
|
72.2
|
7.5
|
69.5
|
92
|
7,969,796
|
128,706
|
11,465,863,223
|
127
|
11,461,881
|
30-34
|
45.5
|
4.2
|
55.0
|
120
|
15,211,121
|
172,836
|
17,889,757,016
|
264
|
27,674,469
|
35-39
|
48.9
|
3.2
|
55.0
|
230
|
28,422,519
|
185,931
|
20,309,534,660
|
471
|
51,683,538
|
40-44
|
50.2
|
2.5
|
49.9
|
407
|
43,065,668
|
176,624
|
18,791,538,174
|
811
|
86,389,741
|
45-49
|
49.6
|
2.1
|
46.6
|
533
|
47,942,170
|
130,737
|
12,494,991,874
|
1,075
|
102,948,541
|
50-54
|
51.4
|
2.2
|
52.1
|
550
|
48,860,427
|
75,128
|
6,580,193,222
|
1,069
|
93,856,193
|
55-59
|
49.3
|
2.7
|
55.9
|
344
|
30,813,010
|
31,318
|
2,471,501,067
|
699
|
55,106,098
|
60-64
|
39.8
|
4.1
|
42.3
|
96
|
7,945,352
|
7,483
|
580,885,217
|
241
|
18,792,509
|
65+
|
36.2
|
7.9
|
36.4
|
21
|
1,255,364
|
1,380
|
82,264,340
|
58
|
3,452,415
|
Total
|
49.8
|
1.0
|
51.4
|
2,419
|
233,680,427
|
968,734
|
95,353,414,005
|
4,856
|
454,661,799
|
By Attained Age
|
20-24
|
36.9
|
15.1
|
27.9
|
6
|
360,000
|
26,899
|
2,125,696,487
|
16
|
1,291,632
|
25-29
|
75.1
|
10.2
|
75.7
|
54
|
4,647,296
|
90,801
|
7,708,820,422
|
72
|
6,139,261
|
30-34
|
58.0
|
5.9
|
61.8
|
97
|
9,999,871
|
143,766
|
13,783,143,375
|
167
|
16,172,112
|
35-39
|
43.5
|
3.8
|
45.8
|
131
|
14,843,856
|
172,058
|
18,344,780,172
|
302
|
32,394,823
|
40-44
|
47.5
|
3.0
|
51.7
|
252
|
29,840,174
|
177,803
|
19,332,987,430
|
530
|
57,736,962
|
45-49
|
47.0
|
2.4
|
48.1
|
396
|
41,446,947
|
156,515
|
16,050,700,152
|
842
|
86,255,656
|
50-54
|
49.6
|
2.2
|
48.5
|
518
|
47,555,188
|
108,984
|
10,221,765,419
|
1,045
|
97,975,754
|
55-59
|
51.6
|
2.3
|
51.7
|
512
|
44,771,212
|
60,210
|
5,260,712,961
|
994
|
86,633,495
|
60-64
|
54.5
|
3.0
|
64.4
|
334
|
31,933,825
|
24,325
|
1,968,357,239
|
614
|
49,561,752
|
65+
|
43.2
|
4.0
|
40.4
|
118
|
8,282,058
|
7,373
|
556,450,346
|
274
|
20,500,352
|
Total
|
49.8
|
1.0
|
51.4
|
2,419
|
233,680,427
|
968,734
|
95,353,414,005
|
4,856
|
454,661,799
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 1.3
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.7
|
2.1
|
30.3
|
170
|
12,857,461
|
191,498
|
14,447,062,175
|
612
|
42,387,724
|
2
|
50.1
|
2.9
|
51.0
|
301
|
21,373,398
|
169,857
|
12,938,075,689
|
600
|
41,884,517
|
3
|
58.2
|
3.1
|
64.9
|
341
|
26,665,553
|
149,834
|
11,503,793,956
|
587
|
41,113,556
|
4
|
59.5
|
3.3
|
65.0
|
329
|
25,283,187
|
127,568
|
9,855,827,668
|
553
|
38,882,386
|
5
|
58.3
|
3.4
|
66.0
|
300
|
23,927,024
|
108,208
|
8,384,875,171
|
515
|
36,277,297
|
6
|
63.2
|
3.7
|
73.4
|
292
|
23,987,914
|
88,703
|
6,885,607,405
|
462
|
32,683,883
|
7+
|
60.1
|
2.3
|
60.0
|
713
|
51,008,430
|
185,506
|
14,479,015,636
|
1,186
|
84,963,463
|
Total
|
54.2
|
1.1
|
58.2
|
2,447
|
185,102,967
|
1,021,175
|
78,494,257,701
|
4,515
|
318,192,827
|
By Issue Age
|
20-24
|
66.3
|
10.7
|
56.7
|
38
|
2,340,000
|
66,806
|
4,794,611,465
|
57
|
4,123,985
|
25-29
|
55.3
|
5.4
|
64.2
|
104
|
9,687,407
|
146,294
|
11,651,899,549
|
188
|
15,100,863
|
30-34
|
60.3
|
4.1
|
60.3
|
214
|
18,391,646
|
178,355
|
15,189,090,723
|
355
|
30,484,307
|
35-39
|
60.6
|
3.2
|
64.1
|
352
|
31,715,275
|
188,210
|
15,994,133,382
|
581
|
49,452,100
|
40-44
|
62.8
|
2.7
|
65.2
|
530
|
43,297,986
|
178,460
|
14,046,583,650
|
843
|
66,408,164
|
45-49
|
54.4
|
2.4
|
56.5
|
529
|
38,195,432
|
137,663
|
9,587,774,353
|
972
|
67,607,983
|
50-54
|
45.0
|
2.3
|
47.3
|
367
|
23,835,861
|
80,467
|
4,976,801,854
|
815
|
50,422,085
|
55-59
|
47.0
|
3.1
|
54.8
|
227
|
14,101,866
|
34,057
|
1,813,140,290
|
483
|
25,752,094
|
60+
|
38.9
|
4.2
|
40.0
|
86
|
3,537,494
|
10,863
|
440,222,435
|
221
|
8,841,245
|
Total
|
54.2
|
1.1
|
58.2
|
2,447
|
185,102,967
|
1,021,175
|
78,494,257,701
|
4,515
|
318,192,827
|
By Attained Age
|
20-24
|
62.3
|
17.3
|
51.6
|
13
|
767,500
|
30,220
|
2,149,850,523
|
21
|
1,486,846
|
25-29
|
56.4
|
7.3
|
53.8
|
60
|
4,359,027
|
105,494
|
8,005,951,326
|
106
|
8,099,178
|
30-34
|
53.1
|
4.7
|
58.6
|
127
|
11,503,492
|
155,975
|
12,783,596,586
|
239
|
19,637,539
|
35-39
|
55.2
|
3.7
|
59.1
|
225
|
20,684,223
|
175,360
|
15,018,555,861
|
408
|
34,995,815
|
40-44
|
60.3
|
3.1
|
60.4
|
383
|
31,666,641
|
178,830
|
14,810,739,643
|
634
|
52,453,557
|
45-49
|
62.2
|
2.7
|
69.3
|
539
|
45,240,282
|
160,574
|
12,135,893,400
|
866
|
65,251,384
|
50-54
|
52.9
|
2.4
|
52.3
|
483
|
32,552,873
|
115,520
|
7,895,373,008
|
914
|
62,273,701
|
55-59
|
47.0
|
2.5
|
53.0
|
343
|
23,278,849
|
64,557
|
3,908,619,604
|
729
|
43,946,490
|
60-64
|
47.4
|
3.4
|
51.2
|
194
|
11,212,472
|
26,207
|
1,410,248,298
|
410
|
21,883,648
|
65+
|
42.6
|
4.8
|
47.0
|
80
|
3,837,608
|
8,439
|
375,429,453
|
188
|
8,164,668
|
Total
|
54.2
|
1.1
|
58.2
|
2,447
|
185,102,967
|
1,021,175
|
78,494,257,701
|
4,515
|
318,192,827
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.1
TOTAL EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.8
|
6.0
|
46.4
|
45
|
2,867,750
|
43,520
|
2,715,752,876
|
111
|
6,184,993
|
2
|
68.8
|
8.1
|
75.0
|
72
|
4,370,133
|
36,511
|
2,266,520,051
|
105
|
5,826,961
|
3
|
94.0
|
9.6
|
105.7
|
95
|
5,952,073
|
31,257
|
1,944,785,201
|
101
|
5,633,650
|
4
|
76.2
|
9.0
|
69.4
|
71
|
3,625,056
|
25,664
|
1,604,529,072
|
93
|
5,226,950
|
5
|
76.3
|
9.5
|
96.5
|
65
|
4,619,605
|
21,026
|
1,314,079,285
|
85
|
4,788,984
|
6
|
87.8
|
10.8
|
80.7
|
66
|
3,472,628
|
16,765
|
1,057,533,987
|
75
|
4,300,694
|
7+
|
91.4
|
6.9
|
87.0
|
178
|
10,241,653
|
33,537
|
2,186,579,193
|
195
|
11,770,146
|
Total
|
77.4
|
3.2
|
80.4
|
593
|
35,148,898
|
208,280
|
13,089,779,665
|
766
|
43,732,377
|
By Issue Age
|
20-24
|
84.6
|
22.6
|
68.7
|
14
|
675,000
|
21,554
|
1,285,488,648
|
17
|
981,964
|
25-29
|
80.8
|
14.1
|
90.6
|
33
|
2,430,880
|
37,799
|
2,507,909,949
|
41
|
2,683,638
|
30-34
|
55.6
|
9.3
|
72.2
|
36
|
3,299,120
|
38,373
|
2,724,864,250
|
65
|
4,568,364
|
35-39
|
77.3
|
8.6
|
78.2
|
80
|
5,436,734
|
37,810
|
2,559,396,464
|
104
|
6,956,565
|
40-44
|
81.9
|
7.3
|
86.0
|
126
|
8,147,565
|
33,933
|
2,082,837,262
|
154
|
9,474,945
|
45-49
|
96.7
|
7.5
|
107.8
|
166
|
10,126,741
|
23,316
|
1,251,191,430
|
172
|
9,396,233
|
50-54
|
62.3
|
7.0
|
50.5
|
80
|
3,055,108
|
10,983
|
497,159,986
|
128
|
6,049,653
|
55-59
|
68.1
|
10.3
|
53.1
|
43
|
1,500,850
|
3,629
|
151,089,276
|
64
|
2,828,018
|
60-64
|
61.6
|
17.8
|
55.8
|
12
|
391,900
|
807
|
27,188,504
|
19
|
702,723
|
65+
|
74.0
|
52.3
|
94.2
|
2
|
85,000
|
76
|
2,653,895
|
3
|
90,273
|
Total
|
77.4
|
3.2
|
80.4
|
593
|
35,148,898
|
208,280
|
13,089,779,665
|
766
|
43,732,377
|
By Attained Age
|
20-24
|
45.8
|
26.4
|
19.6
|
3
|
75,000
|
10,220
|
599,190,221
|
7
|
383,339
|
25-29
|
66.8
|
15.7
|
79.6
|
18
|
1,370,000
|
30,689
|
1,970,209,964
|
27
|
1,721,308
|
30-34
|
86.2
|
13.5
|
93.3
|
41
|
2,963,750
|
36,460
|
2,467,342,737
|
48
|
3,177,249
|
35-39
|
56.1
|
8.9
|
54.1
|
40
|
2,645,250
|
35,912
|
2,503,784,961
|
71
|
4,890,770
|
40-44
|
74.1
|
8.0
|
82.3
|
85
|
6,073,818
|
35,683
|
2,329,161,235
|
115
|
7,383,075
|
45-49
|
91.4
|
7.6
|
107.8
|
146
|
10,091,489
|
29,775
|
1,758,174,857
|
159
|
9,359,896
|
50-54
|
77.9
|
7.0
|
81.3
|
123
|
6,728,866
|
18,212
|
943,256,156
|
158
|
8,273,363
|
55-59
|
79.8
|
8.5
|
63.9
|
88
|
3,424,225
|
8,087
|
378,882,889
|
111
|
5,360,554
|
60-64
|
72.2
|
11.7
|
51.7
|
38
|
1,289,600
|
2,605
|
116,977,096
|
53
|
2,493,736
|
65+
|
60.2
|
18.2
|
70.7
|
11
|
486,900
|
638
|
22,799,548
|
18
|
689,087
|
Total
|
77.4
|
3.2
|
80.4
|
593
|
35,148,898
|
208,280
|
13,089,779,665
|
766
|
43,732,377
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.2
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
48.6
|
9.1
|
52.2
|
28
|
1,919,750
|
24,612
|
1,701,507,291
|
59
|
3,680,785
|
2
|
77.7
|
11.8
|
86.4
|
43
|
2,995,000
|
20,413
|
1,404,241,022
|
55
|
3,464,994
|
3
|
102.3
|
13.8
|
92.5
|
55
|
3,126,073
|
17,301
|
1,200,154,652
|
54
|
3,380,671
|
4
|
74.3
|
12.2
|
74.3
|
37
|
2,344,531
|
14,104
|
983,315,558
|
50
|
3,155,018
|
5
|
63.6
|
11.8
|
85.0
|
29
|
2,459,600
|
11,431
|
800,034,061
|
46
|
2,895,269
|
6
|
73.8
|
13.5
|
64.1
|
30
|
1,693,500
|
9,099
|
646,436,491
|
41
|
2,642,880
|
7+
|
91.7
|
9.1
|
93.0
|
101
|
6,984,850
|
18,232
|
1,341,822,454
|
110
|
7,507,795
|
Total
|
78.2
|
4.3
|
80.5
|
324
|
21,523,304
|
115,193
|
8,077,511,530
|
414
|
26,727,413
|
By Issue Age
|
20-24
|
61.3
|
27.4
|
72.3
|
5
|
375,000
|
11,644
|
742,898,891
|
8
|
518,892
|
25-29
|
81.7
|
19.8
|
69.4
|
17
|
1,035,000
|
21,753
|
1,547,968,036
|
21
|
1,490,692
|
30-34
|
54.0
|
12.7
|
73.9
|
18
|
1,966,250
|
22,421
|
1,763,820,806
|
33
|
2,660,237
|
35-39
|
92.2
|
13.2
|
90.4
|
49
|
3,684,085
|
21,410
|
1,621,197,928
|
53
|
4,073,090
|
40-44
|
83.5
|
10.1
|
81.4
|
68
|
4,605,565
|
18,432
|
1,266,883,443
|
81
|
5,659,428
|
45-49
|
91.7
|
9.9
|
106.7
|
86
|
6,308,008
|
12,008
|
745,793,468
|
94
|
5,910,503
|
50-54
|
64.8
|
9.3
|
54.6
|
48
|
2,163,546
|
5,476
|
285,904,059
|
74
|
3,959,425
|
55-59
|
68.7
|
13.6
|
57.2
|
25
|
1,115,850
|
1,685
|
87,547,142
|
37
|
1,951,977
|
60-64
|
61.9
|
25.3
|
56.3
|
6
|
245,000
|
307
|
13,826,080
|
10
|
435,154
|
65+
|
44.5
|
44.5
|
36.8
|
1
|
25,000
|
57
|
1,671,677
|
2
|
68,015
|
Total
|
78.2
|
4.3
|
80.5
|
324
|
21,523,304
|
115,193
|
8,077,511,530
|
414
|
26,727,413
|
By Attained Age
|
20-24
|
30.4
|
30.4
|
11.9
|
1
|
25,000
|
5,476
|
347,975,939
|
3
|
210,086
|
25-29
|
73.3
|
23.2
|
70.1
|
10
|
655,000
|
17,342
|
1,183,137,191
|
14
|
934,505
|
30-34
|
86.1
|
18.8
|
84.3
|
21
|
1,530,000
|
21,216
|
1,568,905,395
|
24
|
1,815,909
|
35-39
|
58.1
|
12.7
|
53.0
|
21
|
1,483,250
|
20,751
|
1,603,066,824
|
36
|
2,800,607
|
40-44
|
81.8
|
11.8
|
99.6
|
48
|
4,270,565
|
19,852
|
1,452,780,756
|
59
|
4,289,342
|
45-49
|
97.2
|
10.7
|
106.8
|
82
|
6,054,093
|
15,885
|
1,068,152,000
|
85
|
5,670,071
|
50-54
|
73.4
|
9.2
|
75.7
|
64
|
3,940,000
|
9,220
|
552,081,908
|
87
|
5,207,026
|
55-59
|
76.2
|
11.0
|
64.0
|
48
|
2,270,796
|
3,880
|
217,132,399
|
63
|
3,550,548
|
60-64
|
65.5
|
14.3
|
53.6
|
21
|
959,600
|
1,287
|
71,852,657
|
32
|
1,791,848
|
65+
|
67.0
|
25.3
|
73.2
|
7
|
335,000
|
283
|
12,426,460
|
10
|
457,470
|
Total
|
78.2
|
4.3
|
80.5
|
324
|
21,523,304
|
115,193
|
8,077,511,530
|
414
|
26,727,413
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.3
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.1
|
7.8
|
37.9
|
17
|
948,000
|
18,907
|
1,014,245,585
|
53
|
2,504,208
|
2
|
58.8
|
10.9
|
58.2
|
29
|
1,375,133
|
16,098
|
862,279,029
|
50
|
2,361,966
|
3
|
84.6
|
13.4
|
125.4
|
40
|
2,826,000
|
13,956
|
744,630,549
|
47
|
2,252,979
|
4
|
78.5
|
13.5
|
61.8
|
34
|
1,280,525
|
11,560
|
621,213,513
|
43
|
2,071,931
|
5
|
90.8
|
15.1
|
114.1
|
36
|
2,160,005
|
9,595
|
514,045,225
|
40
|
1,893,715
|
6
|
104.2
|
17.4
|
107.3
|
36
|
1,779,128
|
7,666
|
411,097,495
|
35
|
1,657,814
|
7+
|
91.0
|
10.4
|
76.4
|
77
|
3,256,803
|
15,305
|
844,756,739
|
85
|
4,262,350
|
Total
|
76.5
|
4.7
|
80.1
|
269
|
13,625,594
|
93,087
|
5,012,268,135
|
352
|
17,004,964
|
By Issue Age
|
20-24
|
107.3
|
35.8
|
64.8
|
9
|
300,000
|
9,910
|
542,589,757
|
8
|
463,072
|
25-29
|
79.9
|
20.0
|
117.0
|
16
|
1,395,880
|
16,045
|
959,941,914
|
20
|
1,192,947
|
30-34
|
57.2
|
13.5
|
69.9
|
18
|
1,332,870
|
15,952
|
961,043,444
|
31
|
1,908,127
|
35-39
|
61.5
|
11.0
|
60.8
|
31
|
1,752,649
|
16,400
|
938,198,537
|
50
|
2,883,474
|
40-44
|
80.2
|
10.5
|
92.8
|
58
|
3,542,000
|
15,501
|
815,953,819
|
72
|
3,815,517
|
45-49
|
102.7
|
11.5
|
109.6
|
80
|
3,818,733
|
11,308
|
505,397,962
|
78
|
3,485,731
|
50-54
|
59.1
|
10.4
|
42.7
|
32
|
891,562
|
5,507
|
211,255,927
|
54
|
2,090,228
|
55-59
|
67.3
|
15.9
|
43.9
|
18
|
385,000
|
1,944
|
63,542,134
|
27
|
876,041
|
60-64
|
61.3
|
25.0
|
54.9
|
6
|
146,900
|
500
|
13,362,424
|
10
|
267,569
|
65+
|
219.8
|
219.8
|
269.6
|
1
|
60,000
|
19
|
982,218
|
0
|
22,258
|
Total
|
76.5
|
4.7
|
80.1
|
269
|
13,625,594
|
93,087
|
5,012,268,135
|
352
|
17,004,964
|
By Attained Age
|
20-24
|
61.4
|
43.4
|
28.9
|
2
|
50,000
|
4,744
|
251,214,281
|
3
|
173,253
|
25-29
|
60.0
|
21.2
|
90.9
|
8
|
715,000
|
13,347
|
787,072,774
|
13
|
786,803
|
30-34
|
86.4
|
19.3
|
105.3
|
20
|
1,433,750
|
15,244
|
898,437,342
|
23
|
1,361,340
|
35-39
|
54.0
|
12.4
|
55.6
|
19
|
1,162,000
|
15,161
|
900,718,138
|
35
|
2,090,163
|
40-44
|
66.0
|
10.8
|
58.3
|
37
|
1,803,253
|
15,831
|
876,380,479
|
56
|
3,093,732
|
45-49
|
84.8
|
10.7
|
109.4
|
63
|
4,037,396
|
13,890
|
690,022,857
|
75
|
3,689,825
|
50-54
|
83.4
|
10.9
|
91.0
|
59
|
2,788,866
|
8,991
|
391,174,248
|
71
|
3,066,338
|
55-59
|
84.6
|
13.4
|
63.7
|
40
|
1,153,429
|
4,207
|
161,750,490
|
47
|
1,810,006
|
60-64
|
82.6
|
20.0
|
47.0
|
17
|
330,000
|
1,318
|
45,124,438
|
21
|
701,889
|
65+
|
51.2
|
25.6
|
65.6
|
4
|
151,900
|
355
|
10,373,088
|
8
|
231,617
|
Total
|
76.5
|
4.7
|
80.1
|
269
|
13,625,594
|
93,087
|
5,012,268,135
|
352
|
17,004,964
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.4
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.9
|
1.6
|
27.8
|
278
|
24,818,961
|
325,457
|
28,900,892,101
|
1,072
|
89,247,274
|
2
|
47.1
|
2.1
|
49.1
|
508
|
44,472,159
|
292,303
|
26,171,351,677
|
1,080
|
90,515,111
|
3
|
51.4
|
2.2
|
57.6
|
555
|
52,319,169
|
260,092
|
23,469,721,298
|
1,079
|
90,848,664
|
4
|
54.7
|
2.3
|
58.8
|
569
|
51,540,366
|
223,337
|
20,222,939,341
|
1,040
|
87,688,005
|
5
|
53.9
|
2.3
|
56.0
|
532
|
46,593,195
|
190,405
|
17,246,659,347
|
986
|
83,158,088
|
6
|
53.8
|
2.4
|
57.9
|
484
|
44,285,754
|
156,679
|
14,247,336,211
|
901
|
76,500,769
|
7+
|
55.0
|
1.5
|
56.6
|
1,346
|
119,604,892
|
333,356
|
30,498,992,066
|
2,447
|
211,164,338
|
Total
|
49.6
|
0.8
|
52.6
|
4,273
|
383,634,496
|
1,781,629
|
160,757,892,041
|
8,605
|
729,122,249
|
By Issue Age
|
20-24
|
59.8
|
8.5
|
60.0
|
49
|
3,860,000
|
103,843
|
8,196,008,028
|
82
|
6,438,436
|
25-29
|
59.4
|
4.6
|
63.8
|
163
|
15,226,323
|
237,202
|
20,609,852,823
|
275
|
23,879,105
|
30-34
|
53.8
|
3.1
|
56.5
|
298
|
30,303,647
|
312,818
|
30,353,983,488
|
554
|
53,590,412
|
35-39
|
53.0
|
2.4
|
58.1
|
503
|
54,701,060
|
336,331
|
33,744,271,578
|
949
|
94,179,073
|
40-44
|
54.0
|
1.9
|
54.6
|
810
|
78,216,089
|
321,152
|
30,755,284,562
|
1,500
|
143,322,961
|
45-49
|
47.8
|
1.6
|
47.2
|
896
|
76,010,861
|
245,084
|
20,831,574,797
|
1,874
|
161,160,291
|
50-54
|
47.6
|
1.6
|
50.4
|
836
|
69,641,180
|
144,612
|
11,059,835,090
|
1,756
|
138,228,625
|
55-59
|
47.2
|
2.1
|
55.6
|
528
|
43,414,026
|
61,746
|
4,133,552,081
|
1,117
|
78,030,173
|
60+
|
38.0
|
2.8
|
40.5
|
189
|
12,261,310
|
18,843
|
1,073,529,594
|
498
|
30,293,174
|
Total
|
49.6
|
0.8
|
52.6
|
4,273
|
383,634,496
|
1,781,629
|
160,757,892,041
|
8,605
|
729,122,249
|
By Attained Age
|
20-24
|
52.3
|
13.1
|
43.9
|
16
|
1,052,500
|
46,899
|
3,676,356,790
|
31
|
2,395,139
|
25-29
|
63.4
|
6.5
|
61.0
|
96
|
7,636,323
|
165,606
|
13,744,561,784
|
151
|
12,517,132
|
30-34
|
51.0
|
3.8
|
56.8
|
183
|
18,539,613
|
263,281
|
24,099,397,223
|
359
|
32,632,402
|
35-39
|
49.6
|
2.8
|
52.6
|
317
|
32,882,829
|
311,505
|
30,859,551,072
|
639
|
62,499,868
|
40-44
|
52.3
|
2.2
|
53.9
|
549
|
55,432,997
|
320,950
|
31,814,565,838
|
1,050
|
102,807,445
|
45-49
|
51.0
|
1.8
|
53.9
|
789
|
76,595,740
|
287,315
|
26,428,418,695
|
1,549
|
142,147,144
|
50-54
|
48.7
|
1.6
|
48.3
|
878
|
73,379,195
|
206,292
|
17,173,882,271
|
1,801
|
151,976,092
|
55-59
|
47.6
|
1.7
|
51.6
|
767
|
64,625,836
|
116,681
|
8,790,449,676
|
1,612
|
125,219,431
|
60-64
|
50.5
|
2.3
|
60.7
|
490
|
41,856,697
|
47,927
|
3,261,628,442
|
971
|
68,951,664
|
65+
|
42.2
|
3.1
|
41.6
|
187
|
11,632,766
|
15,174
|
909,080,251
|
443
|
27,975,932
|
Total
|
49.6
|
0.8
|
52.6
|
4,273
|
383,634,496
|
1,781,629
|
160,757,892,041
|
8,605
|
729,122,249
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.4
|
2.2
|
26.2
|
125
|
12,909,500
|
152,865
|
15,468,075,511
|
513
|
49,363,758
|
2
|
44.8
|
2.9
|
48.0
|
237
|
24,473,894
|
138,543
|
14,095,555,017
|
529
|
50,992,561
|
3
|
47.0
|
3.0
|
54.8
|
254
|
28,479,616
|
124,214
|
12,710,557,891
|
540
|
51,988,087
|
4
|
51.6
|
3.1
|
54.1
|
274
|
27,537,704
|
107,329
|
10,988,325,186
|
531
|
50,877,550
|
5
|
52.3
|
3.2
|
50.9
|
267
|
24,826,176
|
91,792
|
9,375,829,401
|
511
|
48,774,506
|
6
|
48.2
|
3.2
|
48.5
|
228
|
22,076,968
|
75,642
|
7,772,826,301
|
473
|
45,474,700
|
7+
|
52.8
|
2.0
|
55.1
|
709
|
71,853,265
|
163,155
|
16,864,733,169
|
1,345
|
130,463,224
|
Total
|
47.2
|
1.0
|
49.6
|
2,095
|
212,157,123
|
853,541
|
87,275,902,476
|
4,442
|
427,934,387
|
By Issue Age
|
20-24
|
60.7
|
13.6
|
65.5
|
20
|
1,820,000
|
46,946
|
3,943,986,321
|
33
|
2,777,523
|
25-29
|
70.4
|
8.1
|
69.5
|
75
|
6,934,796
|
106,953
|
9,917,895,188
|
107
|
9,971,189
|
30-34
|
44.3
|
4.4
|
52.9
|
102
|
13,244,871
|
150,415
|
16,125,936,209
|
231
|
25,014,232
|
35-39
|
43.4
|
3.2
|
52.0
|
181
|
24,738,434
|
164,521
|
18,688,336,733
|
418
|
47,610,447
|
40-44
|
46.5
|
2.5
|
47.6
|
339
|
38,460,103
|
158,192
|
17,524,654,731
|
729
|
80,730,314
|
45-49
|
45.6
|
2.2
|
42.9
|
447
|
41,634,162
|
118,729
|
11,749,198,406
|
981
|
97,038,038
|
50-54
|
50.4
|
2.3
|
51.9
|
502
|
46,696,881
|
69,652
|
6,294,289,163
|
995
|
89,896,768
|
55-59
|
48.2
|
2.7
|
55.9
|
319
|
29,697,160
|
29,633
|
2,383,953,925
|
662
|
53,154,121
|
60-64
|
38.9
|
4.1
|
41.9
|
90
|
7,700,352
|
7,176
|
567,059,138
|
231
|
18,357,356
|
65+
|
35.9
|
8.0
|
36.4
|
20
|
1,230,364
|
1,323
|
80,592,663
|
56
|
3,384,400
|
Total
|
47.2
|
1.0
|
49.6
|
2,095
|
212,157,123
|
853,541
|
87,275,902,476
|
4,442
|
427,934,387
|
By Attained Age
|
20-24
|
38.6
|
17.2
|
31.0
|
5
|
335,000
|
21,423
|
1,777,720,548
|
13
|
1,081,546
|
25-29
|
75.5
|
11.4
|
76.7
|
44
|
3,992,296
|
73,460
|
6,525,683,232
|
58
|
5,204,756
|
30-34
|
53.2
|
6.1
|
59.0
|
76
|
8,469,871
|
122,550
|
12,214,237,980
|
143
|
14,356,203
|
35-39
|
41.5
|
3.9
|
45.1
|
110
|
13,360,606
|
151,306
|
16,741,713,348
|
266
|
29,594,216
|
40-44
|
43.2
|
3.0
|
47.8
|
204
|
25,569,609
|
157,951
|
17,880,206,674
|
471
|
53,447,620
|
45-49
|
41.4
|
2.3
|
43.9
|
314
|
35,392,854
|
140,630
|
14,982,548,153
|
757
|
80,585,585
|
50-54
|
47.4
|
2.2
|
47.0
|
454
|
43,615,188
|
99,763
|
9,669,683,511
|
958
|
92,768,729
|
55-59
|
49.9
|
2.3
|
51.2
|
464
|
42,500,416
|
56,330
|
5,043,580,562
|
930
|
83,082,947
|
60-64
|
53.9
|
3.0
|
64.8
|
313
|
30,974,225
|
23,038
|
1,896,504,582
|
581
|
47,769,905
|
65+
|
42.2
|
4.0
|
39.7
|
111
|
7,947,058
|
7,089
|
544,023,886
|
263
|
20,042,881
|
Total
|
47.2
|
1.0
|
49.6
|
2,095
|
212,157,123
|
853,541
|
87,275,902,476
|
4,442
|
427,934,387
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 2.6
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.3
|
2.2
|
29.9
|
153
|
11,909,461
|
172,591
|
13,432,816,590
|
559
|
39,883,516
|
2
|
49.3
|
3.0
|
50.6
|
271
|
19,998,265
|
153,760
|
12,075,796,660
|
551
|
39,522,550
|
3
|
55.8
|
3.2
|
61.3
|
301
|
23,839,553
|
135,878
|
10,759,163,408
|
539
|
38,860,577
|
4
|
57.9
|
3.4
|
65.2
|
295
|
24,002,662
|
116,008
|
9,234,614,155
|
509
|
36,810,455
|
5
|
55.6
|
3.4
|
63.3
|
264
|
21,767,019
|
98,613
|
7,870,829,946
|
475
|
34,383,582
|
6
|
59.9
|
3.7
|
71.6
|
256
|
22,208,786
|
81,037
|
6,474,509,910
|
428
|
31,026,069
|
7+
|
57.8
|
2.3
|
59.2
|
636
|
47,751,627
|
170,201
|
13,634,258,897
|
1,102
|
80,701,113
|
Total
|
52.3
|
1.1
|
56.9
|
2,177
|
171,477,373
|
928,088
|
73,481,989,566
|
4,163
|
301,187,863
|
By Issue Age
|
20-24
|
59.2
|
11.0
|
55.7
|
29
|
2,040,000
|
56,896
|
4,252,021,708
|
49
|
3,660,913
|
25-29
|
52.4
|
5.6
|
59.6
|
88
|
8,291,527
|
130,249
|
10,691,957,636
|
168
|
13,907,916
|
30-34
|
60.6
|
4.3
|
59.7
|
196
|
17,058,776
|
162,403
|
14,228,047,279
|
324
|
28,576,180
|
35-39
|
60.6
|
3.4
|
64.3
|
321
|
29,962,626
|
171,810
|
15,055,934,846
|
531
|
46,568,626
|
40-44
|
61.2
|
2.8
|
63.5
|
472
|
39,755,986
|
162,960
|
13,230,629,831
|
770
|
62,592,647
|
45-49
|
50.2
|
2.4
|
53.6
|
449
|
34,376,699
|
126,355
|
9,082,376,391
|
894
|
64,122,253
|
50-54
|
44.0
|
2.4
|
47.5
|
335
|
22,944,299
|
74,960
|
4,765,545,927
|
761
|
48,331,857
|
55-59
|
45.8
|
3.2
|
55.1
|
209
|
13,716,866
|
32,113
|
1,749,598,156
|
456
|
24,876,052
|
60+
|
37.5
|
4.2
|
38.9
|
79
|
3,330,594
|
10,344
|
425,877,793
|
211
|
8,551,418
|
Total
|
52.3
|
1.1
|
56.9
|
2,177
|
171,477,373
|
928,088
|
73,481,989,566
|
4,163
|
301,187,863
|
By Attained Age
|
20-24
|
62.5
|
18.8
|
54.6
|
11
|
717,500
|
25,476
|
1,898,636,242
|
18
|
1,313,594
|
25-29
|
55.8
|
7.7
|
49.8
|
52
|
3,644,027
|
92,147
|
7,218,878,552
|
93
|
7,312,376
|
30-34
|
49.6
|
4.8
|
55.1
|
107
|
10,069,742
|
140,731
|
11,885,159,243
|
216
|
18,276,199
|
35-39
|
55.3
|
3.9
|
59.3
|
206
|
19,522,223
|
160,199
|
14,117,837,723
|
373
|
32,905,653
|
40-44
|
59.8
|
3.2
|
60.5
|
346
|
29,863,388
|
162,998
|
13,934,359,164
|
578
|
49,359,824
|
45-49
|
60.1
|
2.8
|
66.9
|
476
|
41,202,886
|
146,685
|
11,445,870,543
|
791
|
61,561,559
|
50-54
|
50.3
|
2.4
|
50.3
|
424
|
29,764,007
|
106,529
|
7,504,198,760
|
843
|
59,207,364
|
55-59
|
44.4
|
2.6
|
52.5
|
303
|
22,125,420
|
60,351
|
3,746,869,114
|
682
|
42,136,484
|
60-64
|
45.6
|
3.4
|
51.4
|
177
|
10,882,472
|
24,889
|
1,365,123,860
|
389
|
21,181,759
|
65+
|
42.2
|
4.8
|
46.5
|
76
|
3,685,708
|
8,084
|
365,056,366
|
180
|
7,933,051
|
Total
|
52.3
|
1.1
|
56.9
|
2,177
|
171,477,373
|
928,088
|
73,481,989,566
|
4,163
|
301,187,863
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.1
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.4
|
2.3
|
19.9
|
76
|
1,663,211
|
91,319
|
2,089,859,164
|
371
|
8,348,260
|
2
|
41.3
|
3.4
|
44.4
|
150
|
3,650,976
|
80,083
|
1,838,794,790
|
364
|
8,223,903
|
3
|
49.9
|
3.7
|
51.1
|
179
|
4,155,453
|
69,718
|
1,607,364,374
|
358
|
8,126,589
|
4
|
53.6
|
4.0
|
53.0
|
181
|
4,100,793
|
58,711
|
1,363,635,673
|
339
|
7,738,768
|
5
|
48.3
|
3.9
|
49.3
|
152
|
3,587,930
|
49,276
|
1,154,971,673
|
315
|
7,270,651
|
6
|
58.5
|
4.6
|
61.4
|
165
|
4,033,612
|
40,058
|
944,454,199
|
282
|
6,570,808
|
7+
|
57.3
|
2.9
|
57.7
|
388
|
9,337,764
|
77,155
|
1,845,147,592
|
678
|
16,170,025
|
Total
|
47.7
|
1.3
|
48.9
|
1,292
|
30,529,739
|
466,319
|
10,844,227,465
|
2,707
|
62,449,004
|
By Issue Age
|
20-24
|
67.6
|
15.9
|
82.2
|
18
|
455,000
|
34,101
|
706,585,116
|
27
|
553,566
|
25-29
|
58.8
|
9.5
|
61.5
|
38
|
891,500
|
56,854
|
1,277,879,682
|
65
|
1,449,607
|
30-34
|
52.6
|
7.0
|
57.4
|
57
|
1,449,450
|
62,090
|
1,441,876,709
|
109
|
2,526,300
|
35-39
|
46.4
|
5.0
|
49.2
|
87
|
2,253,331
|
67,416
|
1,630,495,138
|
188
|
4,576,413
|
40-44
|
56.5
|
4.0
|
59.1
|
199
|
5,082,260
|
76,649
|
1,864,525,083
|
352
|
8,597,785
|
45-49
|
50.5
|
3.0
|
49.9
|
283
|
6,784,747
|
75,440
|
1,821,427,677
|
560
|
13,586,553
|
50-54
|
46.3
|
2.7
|
45.6
|
292
|
6,732,414
|
53,934
|
1,259,880,618
|
629
|
14,764,663
|
55-59
|
43.7
|
3.0
|
44.3
|
218
|
4,772,727
|
28,885
|
622,382,341
|
499
|
10,780,042
|
60+
|
35.9
|
3.6
|
37.6
|
100
|
2,108,310
|
10,949
|
219,175,101
|
279
|
5,614,074
|
Total
|
47.7
|
1.3
|
48.9
|
1,292
|
30,529,739
|
466,319
|
10,844,227,465
|
2,707
|
62,449,004
|
By Attained Age
|
20-24
|
75.9
|
26.8
|
85.6
|
8
|
185,000
|
16,319
|
332,703,440
|
11
|
216,094
|
25-29
|
55.5
|
11.6
|
61.3
|
23
|
560,000
|
45,577
|
1,002,614,852
|
41
|
913,118
|
30-34
|
42.9
|
7.4
|
43.8
|
34
|
791,500
|
58,143
|
1,323,127,133
|
79
|
1,805,871
|
35-39
|
48.3
|
6.1
|
56.0
|
62
|
1,702,450
|
61,954
|
1,461,729,414
|
129
|
3,041,945
|
40-44
|
52.7
|
4.8
|
54.1
|
122
|
3,034,511
|
69,890
|
1,689,728,685
|
232
|
5,613,722
|
45-49
|
48.1
|
3.4
|
49.4
|
198
|
4,904,784
|
75,652
|
1,827,627,492
|
411
|
9,924,148
|
50-54
|
51.7
|
3.0
|
52.6
|
295
|
7,128,157
|
65,688
|
1,566,044,347
|
569
|
13,550,921
|
55-59
|
45.1
|
2.8
|
43.9
|
269
|
6,001,473
|
44,043
|
1,014,787,662
|
596
|
13,682,092
|
60-64
|
45.8
|
3.3
|
45.6
|
190
|
4,133,098
|
21,182
|
463,003,427
|
416
|
9,070,733
|
65+
|
40.7
|
4.3
|
45.1
|
91
|
2,088,766
|
7,870
|
162,861,013
|
224
|
4,630,360
|
Total
|
47.7
|
1.3
|
48.9
|
1,292
|
30,529,739
|
466,319
|
10,844,227,465
|
2,707
|
62,449,004
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.2
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.3
|
2.9
|
32.0
|
114
|
6,243,500
|
115,655
|
6,236,806,902
|
365
|
19,527,049
|
2
|
49.6
|
3.7
|
49.5
|
180
|
9,617,707
|
101,052
|
5,470,114,391
|
362
|
19,431,222
|
3
|
52.7
|
3.8
|
51.4
|
189
|
9,909,440
|
88,209
|
4,790,200,738
|
359
|
19,280,557
|
4
|
58.3
|
4.1
|
57.5
|
201
|
10,686,744
|
74,867
|
4,075,793,613
|
345
|
18,580,322
|
5
|
55.2
|
4.1
|
55.1
|
181
|
9,751,752
|
63,517
|
3,465,060,073
|
328
|
17,692,552
|
6
|
52.5
|
4.2
|
52.5
|
157
|
8,467,353
|
51,936
|
2,835,065,161
|
299
|
16,136,773
|
7+
|
57.8
|
2.6
|
58.1
|
503
|
27,260,189
|
117,391
|
6,395,692,350
|
871
|
46,921,680
|
Total
|
52.1
|
1.3
|
52.0
|
1,526
|
81,936,685
|
612,627
|
33,268,733,228
|
2,930
|
157,570,154
|
By Issue Age
|
20-24
|
50.5
|
13.5
|
50.6
|
14
|
762,500
|
35,171
|
1,914,441,471
|
28
|
1,506,463
|
25-29
|
67.9
|
8.6
|
69.6
|
63
|
3,539,823
|
81,142
|
4,447,525,419
|
93
|
5,084,356
|
30-34
|
50.9
|
5.3
|
50.1
|
91
|
4,916,575
|
101,330
|
5,563,058,130
|
179
|
9,821,193
|
35-39
|
53.6
|
4.0
|
54.1
|
175
|
9,717,993
|
114,636
|
6,291,136,458
|
327
|
17,963,713
|
40-44
|
53.9
|
3.1
|
53.9
|
294
|
15,896,795
|
116,327
|
6,302,143,715
|
545
|
29,485,077
|
45-49
|
54.4
|
2.8
|
54.4
|
375
|
20,109,603
|
90,287
|
4,840,669,300
|
690
|
36,968,029
|
50-54
|
47.6
|
2.8
|
46.7
|
290
|
15,122,169
|
50,571
|
2,683,674,919
|
610
|
32,395,059
|
55-59
|
51.4
|
3.9
|
51.6
|
173
|
9,191,327
|
18,438
|
976,376,012
|
336
|
17,809,922
|
60-64
|
40.1
|
6.2
|
39.7
|
42
|
2,194,900
|
4,182
|
220,849,105
|
105
|
5,523,865
|
65+
|
47.7
|
15.9
|
47.9
|
9
|
485,000
|
543
|
28,858,699
|
19
|
1,012,478
|
Total
|
52.1
|
1.3
|
52.0
|
1,526
|
81,936,685
|
612,627
|
33,268,733,228
|
2,930
|
157,570,154
|
By Attained Age
|
20-24
|
38.4
|
19.2
|
35.3
|
4
|
200,000
|
15,938
|
867,315,425
|
10
|
566,007
|
25-29
|
71.7
|
11.6
|
76.7
|
38
|
2,211,323
|
58,162
|
3,168,843,634
|
53
|
2,883,773
|
30-34
|
59.2
|
7.0
|
58.0
|
71
|
3,801,241
|
88,047
|
4,820,425,857
|
120
|
6,555,877
|
35-39
|
44.7
|
4.6
|
44.4
|
93
|
5,072,296
|
101,180
|
5,554,392,363
|
209
|
11,434,880
|
40-44
|
51.1
|
3.7
|
51.2
|
187
|
10,185,403
|
110,884
|
6,059,754,978
|
365
|
19,912,203
|
45-49
|
55.6
|
3.1
|
55.7
|
312
|
16,918,110
|
104,479
|
5,658,489,662
|
562
|
30,396,632
|
50-54
|
48.8
|
2.7
|
48.8
|
316
|
16,905,652
|
74,879
|
4,004,446,042
|
648
|
34,668,134
|
55-59
|
54.4
|
3.2
|
53.6
|
296
|
15,504,683
|
39,917
|
2,122,440,704
|
543
|
28,923,436
|
60-64
|
52.3
|
4.2
|
52.5
|
155
|
8,258,077
|
14,874
|
787,166,731
|
297
|
15,731,121
|
65+
|
44.0
|
6.0
|
44.3
|
54
|
2,879,900
|
4,266
|
225,457,832
|
123
|
6,498,091
|
Total
|
52.1
|
1.3
|
52.0
|
1,526
|
81,936,685
|
612,627
|
33,268,733,228
|
2,930
|
157,570,154
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.3
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.3
|
2.7
|
27.9
|
108
|
12,242,500
|
142,260
|
16,178,021,637
|
383
|
43,822,977
|
2
|
56.5
|
3.8
|
55.9
|
222
|
25,161,942
|
129,952
|
14,813,114,075
|
393
|
45,052,557
|
3
|
61.2
|
3.9
|
61.5
|
244
|
28,123,000
|
117,688
|
13,431,411,511
|
399
|
45,697,561
|
4
|
55.3
|
3.8
|
55.2
|
214
|
24,502,885
|
101,900
|
11,633,145,918
|
388
|
44,424,803
|
5
|
61.0
|
4.1
|
62.3
|
226
|
26,473,118
|
87,293
|
9,972,254,921
|
371
|
42,481,320
|
6
|
56.8
|
4.1
|
54.6
|
194
|
21,447,417
|
72,084
|
8,248,121,915
|
342
|
39,274,558
|
7+
|
56.8
|
2.4
|
57.8
|
540
|
63,178,592
|
152,352
|
17,483,430,249
|
951
|
109,325,028
|
Total
|
54.2
|
1.3
|
54.3
|
1,750
|
201,129,454
|
803,529
|
91,759,500,226
|
3,226
|
370,078,804
|
By Issue Age
|
20-24
|
72.0
|
13.2
|
66.2
|
30
|
3,067,500
|
52,858
|
5,884,847,185
|
42
|
4,631,105
|
25-29
|
58.4
|
6.3
|
57.0
|
86
|
9,415,880
|
127,395
|
14,283,452,245
|
147
|
16,506,649
|
30-34
|
54.3
|
4.3
|
55.7
|
161
|
18,876,742
|
167,579
|
19,118,735,516
|
297
|
33,879,348
|
35-39
|
60.2
|
3.6
|
61.3
|
280
|
32,876,470
|
166,008
|
19,117,930,073
|
466
|
53,622,286
|
40-44
|
57.5
|
3.0
|
57.7
|
373
|
43,278,750
|
138,665
|
16,052,333,812
|
648
|
75,064,776
|
45-49
|
52.2
|
2.8
|
52.9
|
357
|
41,506,585
|
88,203
|
10,126,996,035
|
683
|
78,491,460
|
50-54
|
51.1
|
3.0
|
50.7
|
284
|
32,406,705
|
44,121
|
5,068,978,874
|
555
|
63,971,569
|
55-59
|
46.6
|
4.0
|
44.9
|
136
|
14,900,822
|
15,358
|
1,734,337,849
|
293
|
33,183,909
|
60-64
|
44.8
|
7.5
|
45.3
|
36
|
4,100,000
|
2,909
|
324,744,437
|
80
|
9,052,509
|
65+
|
46.0
|
17.4
|
41.8
|
7
|
700,000
|
433
|
47,144,201
|
15
|
1,675,195
|
Total
|
54.2
|
1.3
|
54.3
|
1,750
|
201,129,454
|
803,529
|
91,759,500,226
|
3,226
|
370,078,804
|
By Attained Age
|
20-24
|
46.2
|
17.5
|
43.9
|
7
|
742,500
|
23,259
|
2,597,780,041
|
15
|
1,691,391
|
25-29
|
63.7
|
9.0
|
59.8
|
50
|
5,235,000
|
86,561
|
9,648,239,925
|
79
|
8,750,511
|
30-34
|
55.6
|
5.4
|
55.6
|
105
|
11,850,622
|
139,888
|
15,799,871,686
|
189
|
21,328,167
|
35-39
|
53.2
|
4.0
|
54.0
|
175
|
20,363,333
|
162,071
|
18,564,417,233
|
329
|
37,677,499
|
40-44
|
58.2
|
3.4
|
59.4
|
285
|
33,601,052
|
151,376
|
17,492,150,055
|
490
|
56,557,582
|
45-49
|
57.2
|
3.0
|
57.0
|
360
|
41,444,335
|
117,271
|
13,553,896,592
|
629
|
72,656,746
|
50-54
|
53.1
|
2.9
|
53.1
|
337
|
38,892,585
|
72,228
|
8,311,718,730
|
635
|
73,190,177
|
55-59
|
47.9
|
3.1
|
48.1
|
239
|
27,543,905
|
35,273
|
4,027,730,235
|
500
|
57,278,084
|
60-64
|
54.8
|
4.5
|
54.0
|
145
|
16,255,122
|
12,469
|
1,412,780,272
|
265
|
30,111,231
|
65+
|
47.8
|
7.0
|
48.0
|
46
|
5,201,000
|
3,134
|
350,915,457
|
96
|
10,837,418
|
Total
|
54.2
|
1.3
|
54.3
|
1,750
|
201,129,454
|
803,529
|
91,759,500,226
|
3,226
|
370,078,804
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.4
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
39.0
|
7.8
|
31.8
|
25
|
7,537,500
|
19,743
|
7,111,957,274
|
64
|
23,733,981
|
2
|
43.3
|
8.2
|
44.1
|
28
|
10,411,667
|
17,727
|
6,315,848,473
|
65
|
23,634,390
|
3
|
59.2
|
9.6
|
68.8
|
38
|
16,083,349
|
15,734
|
5,585,529,877
|
65
|
23,377,607
|
4
|
69.6
|
10.6
|
71.6
|
43
|
15,875,000
|
13,523
|
4,754,893,208
|
62
|
22,171,062
|
5
|
64.4
|
10.6
|
55.6
|
37
|
11,400,000
|
11,345
|
3,968,451,965
|
57
|
20,502,549
|
6
|
64.8
|
11.1
|
73.4
|
34
|
13,810,000
|
9,366
|
3,277,228,923
|
53
|
18,819,324
|
7+
|
64.8
|
6.8
|
59.5
|
92
|
30,070,000
|
19,996
|
6,961,301,068
|
142
|
50,517,750
|
Total
|
58.6
|
3.4
|
57.6
|
298
|
105,187,516
|
107,434
|
37,975,210,788
|
508
|
182,756,663
|
By Issue Age
|
20-24
|
40.9
|
40.9
|
34.3
|
1
|
250,000
|
3,265
|
975,622,905
|
2
|
729,266
|
25-29
|
82.8
|
27.5
|
108.2
|
9
|
3,810,000
|
9,610
|
3,108,905,426
|
11
|
3,522,132
|
30-34
|
71.8
|
14.4
|
70.1
|
25
|
8,360,000
|
20,191
|
6,955,177,383
|
35
|
11,931,934
|
35-39
|
56.5
|
8.9
|
61.2
|
40
|
15,290,000
|
26,080
|
9,264,106,375
|
71
|
24,973,226
|
40-44
|
65.5
|
7.8
|
55.8
|
71
|
22,105,849
|
23,443
|
8,619,119,213
|
109
|
39,650,268
|
45-49
|
41.7
|
6.1
|
42.7
|
47
|
17,736,667
|
14,470
|
5,293,673,216
|
113
|
41,510,482
|
50-54
|
56.5
|
7.9
|
55.6
|
51
|
18,435,000
|
6,969
|
2,544,460,666
|
90
|
33,146,988
|
55-59
|
81.7
|
12.3
|
84.1
|
44
|
16,050,000
|
2,694
|
951,545,155
|
54
|
19,084,318
|
60-64
|
40.9
|
14.5
|
39.8
|
8
|
2,900,000
|
642
|
239,925,438
|
20
|
7,279,729
|
65+
|
35.5
|
35.5
|
26.9
|
1
|
250,000
|
68
|
22,675,011
|
3
|
928,319
|
Total
|
58.6
|
3.4
|
57.6
|
298
|
105,187,516
|
107,434
|
37,975,210,788
|
508
|
182,756,663
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,603
|
477,748,105
|
1
|
304,986
|
25-29
|
56.0
|
32.4
|
59.1
|
3
|
1,000,000
|
5,995
|
1,895,073,337
|
5
|
1,691,037
|
30-34
|
77.4
|
20.7
|
82.7
|
14
|
5,060,000
|
13,663
|
4,623,315,284
|
18
|
6,119,735
|
35-39
|
59.6
|
11.7
|
55.1
|
26
|
8,390,000
|
22,211
|
7,782,797,023
|
44
|
15,236,315
|
40-44
|
51.9
|
8.2
|
52.2
|
40
|
14,685,849
|
24,483
|
8,902,093,354
|
77
|
28,107,012
|
45-49
|
61.3
|
7.6
|
60.8
|
65
|
23,420,000
|
19,687
|
7,146,579,806
|
106
|
38,529,515
|
50-54
|
49.8
|
6.8
|
44.2
|
53
|
17,181,667
|
11,708
|
4,234,929,308
|
107
|
38,840,223
|
55-59
|
60.8
|
8.5
|
61.9
|
51
|
19,000,000
|
5,535
|
2,004,373,965
|
84
|
30,696,372
|
60-64
|
82.5
|
13.4
|
87.7
|
38
|
14,500,000
|
2,006
|
715,655,108
|
46
|
16,532,316
|
65+
|
37.3
|
14.1
|
29.1
|
7
|
1,950,000
|
543
|
192,645,497
|
19
|
6,699,151
|
Total
|
58.6
|
3.4
|
57.6
|
298
|
105,187,516
|
107,434
|
37,975,210,788
|
508
|
182,756,663
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.5
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.9
|
3.8
|
21.6
|
37
|
775,750
|
38,391
|
876,508,694
|
160
|
3,587,889
|
2
|
36.6
|
4.8
|
40.2
|
58
|
1,443,574
|
33,675
|
770,371,071
|
159
|
3,588,652
|
3
|
43.3
|
5.2
|
44.6
|
69
|
1,615,024
|
29,319
|
673,360,030
|
160
|
3,621,329
|
4
|
51.4
|
5.8
|
52.5
|
79
|
1,846,264
|
24,733
|
572,736,009
|
154
|
3,513,886
|
5
|
45.5
|
5.6
|
46.5
|
66
|
1,555,438
|
20,760
|
484,722,879
|
145
|
3,341,531
|
6
|
51.6
|
6.3
|
53.9
|
68
|
1,648,076
|
16,881
|
396,277,096
|
132
|
3,059,937
|
7+
|
56.2
|
4.1
|
58.6
|
186
|
4,605,698
|
33,078
|
784,958,698
|
331
|
7,866,115
|
Total
|
45.4
|
1.9
|
47.2
|
564
|
13,489,824
|
196,838
|
4,558,934,476
|
1,242
|
28,579,339
|
By Issue Age
|
20-24
|
49.1
|
22.0
|
69.2
|
5
|
145,000
|
14,732
|
302,881,320
|
10
|
209,611
|
25-29
|
62.8
|
16.2
|
75.0
|
15
|
401,500
|
24,647
|
554,752,784
|
24
|
535,558
|
30-34
|
34.8
|
9.3
|
33.5
|
14
|
311,250
|
27,075
|
623,323,040
|
40
|
928,830
|
35-39
|
48.9
|
8.2
|
50.5
|
35
|
877,581
|
29,221
|
700,307,720
|
72
|
1,736,357
|
40-44
|
53.1
|
6.0
|
54.9
|
77
|
1,939,290
|
32,296
|
782,067,769
|
145
|
3,535,184
|
45-49
|
50.5
|
4.5
|
53.3
|
127
|
3,234,618
|
31,381
|
751,453,907
|
252
|
6,070,084
|
50-54
|
44.3
|
3.8
|
43.2
|
136
|
3,101,553
|
21,871
|
508,469,746
|
306
|
7,171,229
|
55-59
|
42.0
|
4.1
|
44.6
|
106
|
2,466,316
|
11,524
|
250,592,833
|
254
|
5,526,762
|
60+
|
34.8
|
5.0
|
35.3
|
48
|
1,012,716
|
4,091
|
85,085,356
|
138
|
2,865,726
|
Total
|
45.4
|
1.9
|
47.2
|
564
|
13,489,824
|
196,838
|
4,558,934,476
|
1,242
|
28,579,339
|
By Attained Age
|
20-24
|
70.4
|
40.6
|
69.1
|
3
|
60,000
|
7,174
|
145,062,710
|
4
|
86,814
|
25-29
|
52.3
|
18.5
|
72.5
|
8
|
245,000
|
19,542
|
430,757,228
|
15
|
338,122
|
30-34
|
41.5
|
12.0
|
43.8
|
12
|
286,500
|
25,188
|
568,776,175
|
29
|
653,610
|
35-39
|
45.0
|
9.8
|
51.3
|
21
|
563,250
|
26,812
|
628,564,629
|
47
|
1,097,632
|
40-44
|
39.3
|
6.6
|
39.7
|
35
|
852,492
|
30,030
|
718,982,602
|
90
|
2,147,956
|
45-49
|
48.3
|
5.3
|
49.5
|
83
|
2,059,919
|
31,790
|
766,664,628
|
173
|
4,159,909
|
50-54
|
51.7
|
4.4
|
54.1
|
136
|
3,348,400
|
27,120
|
640,669,951
|
262
|
6,184,011
|
55-59
|
40.4
|
3.7
|
40.3
|
119
|
2,740,124
|
17,773
|
409,317,258
|
296
|
6,800,573
|
60-64
|
46.4
|
4.7
|
48.0
|
99
|
2,266,081
|
8,420
|
186,502,339
|
214
|
4,718,936
|
65+
|
41.7
|
6.1
|
44.7
|
47
|
1,068,058
|
2,988
|
63,636,956
|
113
|
2,391,777
|
Total
|
45.4
|
1.9
|
47.2
|
564
|
13,489,824
|
196,838
|
4,558,934,476
|
1,242
|
28,579,339
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.6
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
4.1
|
29.1
|
47
|
2,621,000
|
52,482
|
2,853,198,771
|
167
|
9,005,127
|
2
|
49.0
|
5.4
|
47.8
|
84
|
4,391,453
|
46,127
|
2,516,079,092
|
170
|
9,190,689
|
3
|
54.0
|
5.6
|
52.0
|
93
|
4,832,816
|
40,439
|
2,211,452,352
|
172
|
9,286,856
|
4
|
55.8
|
5.7
|
53.4
|
94
|
4,883,086
|
34,482
|
1,889,741,593
|
169
|
9,136,227
|
5
|
57.1
|
5.9
|
56.5
|
93
|
4,978,100
|
29,249
|
1,605,304,270
|
163
|
8,816,223
|
6
|
55.3
|
6.1
|
55.0
|
83
|
4,457,725
|
23,796
|
1,306,160,118
|
150
|
8,109,824
|
7+
|
56.1
|
3.5
|
56.0
|
252
|
13,590,332
|
53,479
|
2,925,399,103
|
449
|
24,286,255
|
Total
|
51.8
|
1.9
|
51.1
|
746
|
39,754,512
|
280,053
|
15,307,335,298
|
1,441
|
77,831,202
|
By Issue Age
|
20-24
|
26.7
|
15.4
|
24.5
|
3
|
150,000
|
15,998
|
874,280,172
|
11
|
613,316
|
25-29
|
83.9
|
15.3
|
84.0
|
30
|
1,658,296
|
36,407
|
2,010,234,310
|
36
|
1,975,178
|
30-34
|
37.3
|
7.3
|
34.4
|
26
|
1,329,871
|
46,316
|
2,559,340,224
|
70
|
3,860,327
|
35-39
|
42.2
|
5.6
|
41.7
|
56
|
3,055,520
|
52,045
|
2,874,714,165
|
133
|
7,327,017
|
40-44
|
45.7
|
4.3
|
45.6
|
112
|
6,092,529
|
53,267
|
2,906,635,238
|
245
|
13,363,846
|
45-49
|
53.9
|
4.0
|
53.3
|
185
|
9,854,800
|
41,687
|
2,246,122,249
|
344
|
18,491,035
|
50-54
|
56.7
|
4.1
|
55.8
|
189
|
9,972,169
|
23,425
|
1,254,616,896
|
334
|
17,871,670
|
55-59
|
57.9
|
5.4
|
57.5
|
116
|
6,128,327
|
8,859
|
473,052,786
|
200
|
10,649,128
|
60-64
|
42.2
|
8.6
|
41.5
|
24
|
1,238,000
|
1,749
|
91,884,397
|
57
|
2,986,558
|
65+
|
39.5
|
17.7
|
39.7
|
5
|
275,000
|
301
|
16,454,860
|
13
|
693,126
|
Total
|
51.8
|
1.9
|
51.1
|
746
|
39,754,512
|
280,053
|
15,307,335,298
|
1,441
|
77,831,202
|
By Attained Age
|
20-24
|
22.5
|
22.5
|
20.6
|
1
|
50,000
|
7,333
|
400,428,863
|
4
|
242,815
|
25-29
|
88.2
|
20.8
|
88.8
|
18
|
992,296
|
25,817
|
1,416,168,434
|
20
|
1,117,760
|
30-34
|
54.3
|
10.9
|
52.3
|
25
|
1,328,371
|
39,796
|
2,196,467,197
|
46
|
2,540,351
|
35-39
|
35.7
|
6.6
|
32.3
|
29
|
1,452,273
|
46,525
|
2,573,780,770
|
81
|
4,501,647
|
40-44
|
39.0
|
5.1
|
39.3
|
59
|
3,264,833
|
50,789
|
2,789,899,781
|
152
|
8,314,844
|
45-49
|
49.3
|
4.4
|
48.7
|
127
|
6,838,943
|
47,988
|
2,615,278,991
|
258
|
14,037,528
|
50-54
|
45.5
|
3.7
|
45.4
|
150
|
8,032,536
|
34,430
|
1,850,502,483
|
329
|
17,696,381
|
55-59
|
66.5
|
4.7
|
65.4
|
202
|
10,627,183
|
18,463
|
989,715,416
|
303
|
16,241,560
|
60-64
|
60.4
|
5.9
|
59.8
|
105
|
5,555,077
|
6,935
|
370,117,510
|
174
|
9,282,660
|
65+
|
41.3
|
7.5
|
41.8
|
30
|
1,613,000
|
1,977
|
104,975,854
|
73
|
3,855,657
|
Total
|
51.8
|
1.9
|
51.1
|
746
|
39,754,512
|
280,053
|
15,307,335,298
|
1,441
|
77,831,202
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.7
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
3.8
|
28.6
|
56
|
6,645,000
|
73,255
|
8,445,073,176
|
200
|
23,248,442
|
2
|
55.7
|
5.2
|
55.6
|
116
|
13,482,200
|
67,073
|
7,748,378,913
|
209
|
24,264,920
|
3
|
55.2
|
5.1
|
54.5
|
119
|
13,634,500
|
60,967
|
7,050,828,727
|
215
|
25,018,225
|
4
|
51.0
|
4.9
|
50.1
|
108
|
12,377,885
|
52,909
|
6,120,293,375
|
212
|
24,700,817
|
5
|
55.9
|
5.2
|
56.2
|
115
|
13,477,238
|
45,391
|
5,253,675,944
|
206
|
23,984,514
|
6
|
45.2
|
4.8
|
43.7
|
87
|
9,834,667
|
37,542
|
4,354,168,744
|
193
|
22,495,856
|
7+
|
52.8
|
3.1
|
54.8
|
299
|
36,132,085
|
80,691
|
9,394,379,242
|
566
|
65,984,004
|
Total
|
50.0
|
1.7
|
50.4
|
901
|
105,583,575
|
417,827
|
48,366,798,122
|
1,801
|
209,696,776
|
By Issue Age
|
20-24
|
87.6
|
21.9
|
80.8
|
16
|
1,650,000
|
25,838
|
2,892,363,862
|
18
|
2,041,748
|
25-29
|
69.6
|
10.6
|
67.4
|
43
|
4,710,000
|
61,824
|
6,978,777,877
|
62
|
6,985,999
|
30-34
|
48.2
|
6.0
|
50.3
|
64
|
7,710,000
|
86,093
|
9,932,943,204
|
133
|
15,342,804
|
35-39
|
50.5
|
4.8
|
50.9
|
111
|
13,124,418
|
86,621
|
10,128,141,046
|
220
|
25,783,409
|
40-44
|
49.3
|
3.8
|
49.4
|
170
|
20,018,000
|
74,400
|
8,748,467,178
|
344
|
40,481,904
|
45-49
|
47.5
|
3.5
|
48.7
|
187
|
22,416,085
|
47,298
|
5,525,184,571
|
394
|
46,017,203
|
50-54
|
53.2
|
3.9
|
53.9
|
190
|
22,561,705
|
24,705
|
2,894,973,403
|
357
|
41,821,556
|
55-59
|
43.8
|
4.7
|
42.7
|
88
|
9,868,367
|
8,946
|
1,025,607,375
|
202
|
23,098,215
|
60-64
|
43.6
|
8.5
|
44.2
|
26
|
3,025,000
|
1,830
|
209,575,507
|
60
|
6,844,129
|
65+
|
44.1
|
19.7
|
39.1
|
5
|
500,000
|
272
|
30,764,097
|
11
|
1,279,808
|
Total
|
50.0
|
1.7
|
50.4
|
901
|
105,583,575
|
417,827
|
48,366,798,122
|
1,801
|
209,696,776
|
By Attained Age
|
20-24
|
28.8
|
20.3
|
32.0
|
2
|
250,000
|
11,421
|
1,284,593,358
|
7
|
782,106
|
25-29
|
78.2
|
15.3
|
74.0
|
26
|
2,760,000
|
41,814
|
4,688,585,534
|
33
|
3,731,231
|
30-34
|
62.3
|
8.7
|
62.5
|
51
|
5,835,000
|
70,115
|
7,993,477,629
|
82
|
9,341,616
|
35-39
|
46.3
|
5.6
|
45.8
|
68
|
7,813,333
|
83,709
|
9,700,933,863
|
147
|
17,066,407
|
40-44
|
54.1
|
4.8
|
53.7
|
128
|
14,947,000
|
79,807
|
9,367,983,386
|
237
|
27,857,279
|
45-49
|
42.4
|
3.6
|
43.7
|
142
|
17,258,085
|
62,664
|
7,363,743,777
|
336
|
39,447,875
|
50-54
|
51.8
|
3.7
|
52.3
|
194
|
22,902,585
|
39,057
|
4,576,729,002
|
374
|
43,780,477
|
55-59
|
47.9
|
3.8
|
48.9
|
156
|
18,603,905
|
19,833
|
2,311,076,430
|
326
|
38,022,364
|
60-64
|
52.3
|
5.3
|
52.3
|
98
|
11,262,667
|
7,455
|
857,245,557
|
187
|
21,537,808
|
65+
|
49.1
|
8.3
|
48.6
|
35
|
3,951,000
|
1,952
|
222,429,587
|
71
|
8,129,612
|
Total
|
50.0
|
1.7
|
50.4
|
901
|
105,583,575
|
417,827
|
48,366,798,122
|
1,801
|
209,696,776
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.8
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.3
|
8.3
|
27.8
|
14
|
4,787,500
|
13,350
|
4,994,802,161
|
45
|
17,203,086
|
2
|
47.8
|
10.2
|
46.8
|
22
|
8,151,667
|
12,082
|
4,464,966,964
|
46
|
17,413,294
|
3
|
60.6
|
11.4
|
66.1
|
28
|
11,523,349
|
10,790
|
3,975,071,435
|
47
|
17,442,348
|
4
|
64.5
|
12.0
|
64.6
|
29
|
10,775,000
|
9,309
|
3,388,869,767
|
45
|
16,681,639
|
5
|
52.2
|
11.1
|
46.9
|
22
|
7,275,000
|
7,823
|
2,832,160,369
|
42
|
15,527,506
|
6
|
51.4
|
11.5
|
54.2
|
20
|
7,830,000
|
6,522
|
2,362,656,834
|
39
|
14,451,963
|
7+
|
67.4
|
7.9
|
61.5
|
73
|
24,510,000
|
14,139
|
5,101,818,580
|
108
|
39,834,645
|
Total
|
56.0
|
3.9
|
54.0
|
208
|
74,852,516
|
74,015
|
27,120,346,110
|
372
|
138,554,482
|
By Issue Age
|
20-24
|
70.9
|
70.9
|
57.9
|
1
|
250,000
|
2,023
|
617,359,858
|
1
|
431,739
|
25-29
|
67.1
|
33.6
|
61.1
|
4
|
1,200,000
|
5,828
|
1,922,098,252
|
6
|
1,965,146
|
30-34
|
76.2
|
19.0
|
77.7
|
16
|
5,860,000
|
13,352
|
4,774,150,547
|
21
|
7,542,508
|
35-39
|
60.7
|
11.5
|
67.5
|
28
|
11,365,000
|
18,043
|
6,606,371,728
|
46
|
16,836,754
|
40-44
|
62.8
|
9.1
|
51.8
|
48
|
15,015,849
|
16,661
|
6,354,367,989
|
77
|
29,008,807
|
45-49
|
39.2
|
6.8
|
38.4
|
33
|
12,436,667
|
10,370
|
3,972,231,146
|
85
|
32,370,219
|
50-54
|
48.6
|
8.2
|
49.0
|
35
|
13,225,000
|
5,127
|
1,922,133,177
|
72
|
26,991,739
|
55-59
|
77.6
|
13.3
|
78.0
|
34
|
12,350,000
|
1,989
|
722,248,073
|
44
|
15,831,992
|
60-64
|
44.5
|
15.7
|
43.3
|
8
|
2,900,000
|
558
|
208,543,662
|
18
|
6,699,006
|
65+
|
38.0
|
38.0
|
28.5
|
1
|
250,000
|
62
|
20,841,678
|
3
|
876,571
|
Total
|
56.0
|
3.9
|
54.0
|
208
|
74,852,516
|
74,015
|
27,120,346,110
|
372
|
138,554,482
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
971
|
295,611,556
|
1
|
179,896
|
25-29
|
68.1
|
48.2
|
68.3
|
2
|
650,000
|
3,628
|
1,173,309,227
|
3
|
952,148
|
30-34
|
86.7
|
28.9
|
70.1
|
9
|
2,550,000
|
8,667
|
3,024,422,374
|
10
|
3,636,534
|
35-39
|
48.6
|
13.5
|
51.5
|
13
|
5,015,000
|
15,012
|
5,441,500,911
|
27
|
9,729,137
|
40-44
|
56.5
|
10.5
|
55.5
|
29
|
10,775,849
|
17,177
|
6,456,121,661
|
52
|
19,416,883
|
45-49
|
56.7
|
8.6
|
53.4
|
43
|
15,290,000
|
14,072
|
5,305,012,757
|
76
|
28,610,345
|
50-54
|
48.7
|
7.8
|
43.8
|
39
|
13,271,667
|
8,376
|
3,153,863,984
|
80
|
30,314,886
|
55-59
|
51.3
|
8.7
|
50.1
|
35
|
12,800,000
|
4,141
|
1,550,603,856
|
68
|
25,568,998
|
60-64
|
83.3
|
14.7
|
91.6
|
32
|
12,850,000
|
1,516
|
554,491,834
|
38
|
14,022,348
|
65+
|
35.4
|
14.5
|
26.9
|
6
|
1,650,000
|
456
|
165,407,949
|
17
|
6,123,305
|
Total
|
56.0
|
3.9
|
54.0
|
208
|
74,852,516
|
74,015
|
27,120,346,110
|
372
|
138,554,482
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.9
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.6
|
3.0
|
18.6
|
39
|
887,461
|
52,928
|
1,213,350,470
|
212
|
4,760,371
|
2
|
45.0
|
4.7
|
47.6
|
92
|
2,207,402
|
46,409
|
1,068,423,718
|
205
|
4,635,251
|
3
|
55.3
|
5.3
|
56.4
|
110
|
2,540,429
|
40,399
|
934,004,344
|
198
|
4,505,260
|
4
|
55.3
|
5.5
|
53.4
|
102
|
2,254,529
|
33,977
|
790,899,664
|
184
|
4,224,882
|
5
|
50.7
|
5.5
|
51.7
|
86
|
2,032,492
|
28,516
|
670,248,794
|
170
|
3,929,120
|
6
|
64.5
|
6.6
|
67.9
|
97
|
2,385,536
|
23,177
|
548,177,103
|
150
|
3,510,872
|
7+
|
58.3
|
4.1
|
57.0
|
202
|
4,732,066
|
44,076
|
1,060,188,895
|
346
|
8,303,910
|
Total
|
49.7
|
1.8
|
50.3
|
728
|
17,039,915
|
269,481
|
6,285,292,989
|
1,466
|
33,869,665
|
By Issue Age
|
20-24
|
79.0
|
21.9
|
90.1
|
13
|
310,000
|
19,370
|
403,703,796
|
16
|
343,956
|
25-29
|
56.4
|
11.8
|
53.6
|
23
|
490,000
|
32,207
|
723,126,898
|
41
|
914,049
|
30-34
|
63.1
|
9.6
|
71.3
|
43
|
1,138,200
|
35,015
|
818,553,668
|
68
|
1,597,470
|
35-39
|
44.8
|
6.2
|
48.4
|
52
|
1,375,750
|
38,195
|
930,187,418
|
116
|
2,840,057
|
40-44
|
58.9
|
5.3
|
62.1
|
122
|
3,142,970
|
44,353
|
1,082,457,315
|
207
|
5,062,601
|
45-49
|
50.4
|
4.0
|
47.2
|
155
|
3,550,129
|
44,059
|
1,069,973,770
|
308
|
7,516,470
|
50-54
|
48.3
|
3.9
|
47.8
|
156
|
3,630,861
|
32,064
|
751,410,872
|
323
|
7,593,433
|
55-59
|
45.5
|
4.3
|
43.9
|
111
|
2,306,411
|
17,361
|
371,789,508
|
245
|
5,253,280
|
60+
|
37.0
|
5.1
|
39.9
|
52
|
1,095,594
|
6,858
|
134,089,745
|
141
|
2,748,348
|
Total
|
49.7
|
1.8
|
50.3
|
728
|
17,039,915
|
269,481
|
6,285,292,989
|
1,466
|
33,869,665
|
By Attained Age
|
20-24
|
79.7
|
35.6
|
96.7
|
5
|
125,000
|
9,145
|
187,640,730
|
6
|
129,280
|
25-29
|
57.4
|
14.8
|
54.8
|
15
|
315,000
|
26,035
|
571,857,624
|
26
|
574,997
|
30-34
|
43.7
|
9.3
|
43.8
|
22
|
505,000
|
32,955
|
754,350,958
|
50
|
1,152,262
|
35-39
|
50.2
|
7.8
|
58.6
|
41
|
1,139,200
|
35,142
|
833,164,784
|
82
|
1,944,313
|
40-44
|
61.2
|
6.6
|
63.0
|
87
|
2,182,019
|
39,860
|
970,746,083
|
142
|
3,465,766
|
45-49
|
47.9
|
4.5
|
49.4
|
114
|
2,844,865
|
43,862
|
1,060,962,865
|
239
|
5,764,239
|
50-54
|
51.8
|
4.1
|
51.3
|
159
|
3,779,757
|
38,568
|
925,374,396
|
307
|
7,366,911
|
55-59
|
49.8
|
4.1
|
47.4
|
149
|
3,261,349
|
26,270
|
605,470,403
|
300
|
6,881,520
|
60-64
|
45.2
|
4.7
|
42.9
|
91
|
1,867,017
|
12,763
|
276,501,089
|
202
|
4,351,796
|
65+
|
39.7
|
6.0
|
45.6
|
44
|
1,020,708
|
4,881
|
99,224,057
|
111
|
2,238,583
|
Total
|
49.7
|
1.8
|
50.3
|
728
|
17,039,915
|
269,481
|
6,285,292,989
|
1,466
|
33,869,665
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.10
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.0
|
4.1
|
34.4
|
67
|
3,622,500
|
63,172
|
3,383,608,131
|
198
|
10,521,923
|
2
|
50.1
|
5.1
|
51.0
|
96
|
5,226,254
|
54,925
|
2,954,035,299
|
192
|
10,240,533
|
3
|
51.5
|
5.3
|
50.8
|
96
|
5,076,624
|
47,771
|
2,578,748,386
|
187
|
9,993,701
|
4
|
60.7
|
5.9
|
61.5
|
107
|
5,803,658
|
40,385
|
2,186,052,021
|
176
|
9,444,095
|
5
|
53.4
|
5.7
|
53.8
|
88
|
4,773,652
|
34,268
|
1,859,755,804
|
165
|
8,876,328
|
6
|
49.7
|
5.8
|
50.0
|
74
|
4,009,628
|
28,140
|
1,528,905,043
|
149
|
8,026,948
|
7+
|
59.6
|
3.8
|
60.4
|
251
|
13,669,857
|
63,912
|
3,470,293,246
|
422
|
22,635,424
|
Total
|
52.4
|
1.9
|
52.9
|
780
|
42,182,173
|
332,573
|
17,961,397,930
|
1,489
|
79,738,953
|
By Issue Age
|
20-24
|
66.8
|
20.1
|
68.6
|
11
|
612,500
|
19,173
|
1,040,161,299
|
16
|
893,147
|
25-29
|
57.9
|
10.1
|
60.5
|
33
|
1,881,527
|
44,735
|
2,437,291,109
|
57
|
3,109,178
|
30-34
|
59.7
|
7.4
|
60.2
|
65
|
3,586,704
|
55,015
|
3,003,717,906
|
109
|
5,960,866
|
35-39
|
61.3
|
5.6
|
62.6
|
119
|
6,662,473
|
62,591
|
3,416,422,293
|
195
|
10,636,695
|
40-44
|
60.6
|
4.5
|
60.8
|
182
|
9,804,266
|
63,060
|
3,395,508,477
|
299
|
16,121,231
|
45-49
|
55.0
|
4.0
|
55.5
|
190
|
10,254,803
|
48,599
|
2,594,547,051
|
346
|
18,476,994
|
50-54
|
36.6
|
3.6
|
35.5
|
101
|
5,150,000
|
27,146
|
1,429,058,022
|
276
|
14,523,389
|
55-59
|
42.0
|
5.5
|
42.8
|
57
|
3,063,000
|
9,578
|
503,323,226
|
136
|
7,160,794
|
60+
|
40.7
|
8.7
|
40.8
|
22
|
1,166,900
|
2,675
|
141,368,547
|
54
|
2,856,658
|
Total
|
52.4
|
1.9
|
52.9
|
780
|
42,182,173
|
332,573
|
17,961,397,930
|
1,489
|
79,738,953
|
By Attained Age
|
20-24
|
50.3
|
29.0
|
46.4
|
3
|
150,000
|
8,605
|
466,886,561
|
6
|
323,193
|
25-29
|
61.3
|
13.7
|
69.0
|
20
|
1,219,027
|
32,345
|
1,752,675,200
|
33
|
1,766,013
|
30-34
|
62.3
|
9.2
|
61.6
|
46
|
2,472,870
|
48,251
|
2,623,958,660
|
74
|
4,015,526
|
35-39
|
50.4
|
6.3
|
52.2
|
64
|
3,620,023
|
54,655
|
2,980,611,594
|
127
|
6,933,233
|
40-44
|
59.8
|
5.3
|
59.7
|
128
|
6,920,570
|
60,095
|
3,269,855,197
|
213
|
11,597,359
|
45-49
|
61.0
|
4.5
|
61.6
|
185
|
10,079,167
|
56,491
|
3,043,210,672
|
304
|
16,359,104
|
50-54
|
52.1
|
4.0
|
52.3
|
166
|
8,873,116
|
40,449
|
2,153,943,559
|
319
|
16,971,754
|
55-59
|
39.2
|
4.0
|
38.5
|
94
|
4,877,500
|
21,454
|
1,132,725,287
|
240
|
12,681,876
|
60-64
|
40.8
|
5.8
|
41.9
|
50
|
2,703,000
|
7,939
|
417,049,221
|
123
|
6,448,462
|
65+
|
47.8
|
9.8
|
47.9
|
24
|
1,266,900
|
2,290
|
120,481,978
|
50
|
2,642,434
|
Total
|
52.4
|
1.9
|
52.9
|
780
|
42,182,173
|
332,573
|
17,961,397,930
|
1,489
|
79,738,953
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.11
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.5
|
3.9
|
27.2
|
52
|
5,597,500
|
69,005
|
7,732,948,461
|
183
|
20,574,535
|
2
|
57.5
|
5.6
|
56.2
|
106
|
11,679,742
|
62,879
|
7,064,735,162
|
185
|
20,787,637
|
3
|
68.2
|
6.1
|
70.1
|
125
|
14,488,500
|
56,720
|
6,380,582,784
|
184
|
20,679,336
|
4
|
60.4
|
5.9
|
61.5
|
106
|
12,125,000
|
48,991
|
5,512,852,543
|
175
|
19,723,987
|
5
|
67.5
|
6.4
|
70.3
|
111
|
12,995,880
|
41,902
|
4,718,578,977
|
164
|
18,496,806
|
6
|
71.9
|
6.9
|
69.2
|
107
|
11,612,750
|
34,542
|
3,893,953,170
|
149
|
16,778,702
|
7+
|
62.7
|
4.0
|
62.4
|
241
|
27,046,507
|
71,661
|
8,089,051,007
|
385
|
43,341,025
|
Total
|
59.6
|
2.0
|
59.6
|
849
|
95,545,879
|
385,702
|
43,392,702,104
|
1,425
|
160,382,028
|
By Issue Age
|
20-24
|
59.9
|
16.0
|
54.7
|
14
|
1,417,500
|
27,021
|
2,992,483,322
|
23
|
2,589,356
|
25-29
|
50.4
|
7.7
|
49.4
|
43
|
4,705,880
|
65,571
|
7,304,674,368
|
85
|
9,520,650
|
30-34
|
59.1
|
6.0
|
60.2
|
97
|
11,166,742
|
81,485
|
9,185,792,312
|
164
|
18,536,544
|
35-39
|
68.8
|
5.3
|
71.0
|
169
|
19,752,052
|
79,387
|
8,989,789,026
|
246
|
27,838,877
|
40-44
|
66.8
|
4.7
|
67.3
|
203
|
23,260,750
|
64,265
|
7,303,866,634
|
304
|
34,582,871
|
45-49
|
58.6
|
4.5
|
58.8
|
169
|
19,090,500
|
40,906
|
4,601,811,464
|
289
|
32,474,257
|
50-54
|
47.2
|
4.9
|
44.4
|
93
|
9,845,000
|
19,415
|
2,174,005,471
|
198
|
22,150,013
|
55-59
|
52.7
|
7.6
|
49.9
|
48
|
5,032,455
|
6,412
|
708,730,473
|
91
|
10,085,694
|
60-64
|
48.3
|
15.3
|
48.7
|
10
|
1,075,000
|
1,079
|
115,168,930
|
21
|
2,208,380
|
65+
|
51.5
|
36.4
|
50.6
|
2
|
200,000
|
161
|
16,380,104
|
4
|
395,387
|
Total
|
59.6
|
2.0
|
59.6
|
849
|
95,545,879
|
385,702
|
43,392,702,104
|
1,425
|
160,382,028
|
By Attained Age
|
20-24
|
61.0
|
27.3
|
54.2
|
5
|
492,500
|
11,838
|
1,313,186,683
|
8
|
909,284
|
25-29
|
53.0
|
10.8
|
49.3
|
24
|
2,475,000
|
44,747
|
4,959,654,392
|
45
|
5,019,279
|
30-34
|
50.4
|
6.9
|
50.2
|
54
|
6,015,622
|
69,773
|
7,806,394,058
|
107
|
11,986,550
|
35-39
|
58.8
|
5.7
|
60.9
|
107
|
12,550,000
|
78,363
|
8,863,483,370
|
182
|
20,611,092
|
40-44
|
62.1
|
5.0
|
65.0
|
157
|
18,654,052
|
71,568
|
8,124,166,670
|
253
|
28,700,303
|
45-49
|
74.1
|
5.0
|
72.8
|
217
|
24,186,250
|
54,606
|
6,190,152,815
|
293
|
33,208,871
|
50-54
|
55.0
|
4.6
|
54.4
|
144
|
15,990,000
|
33,172
|
3,734,989,729
|
261
|
29,409,700
|
55-59
|
47.9
|
5.3
|
46.4
|
83
|
8,940,000
|
15,440
|
1,716,653,805
|
173
|
19,255,720
|
60-64
|
60.7
|
8.9
|
58.2
|
47
|
4,992,455
|
5,014
|
555,534,715
|
77
|
8,573,423
|
65+
|
44.0
|
13.3
|
46.2
|
11
|
1,250,000
|
1,181
|
128,485,870
|
25
|
2,707,805
|
Total
|
59.6
|
2.0
|
59.6
|
849
|
95,545,879
|
385,702
|
43,392,702,104
|
1,425
|
160,382,028
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.12
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
57.1
|
17.2
|
42.1
|
11
|
2,750,000
|
6,393
|
2,117,155,113
|
19
|
6,530,895
|
2
|
32.4
|
13.2
|
36.3
|
6
|
2,260,000
|
5,645
|
1,850,881,509
|
19
|
6,221,095
|
3
|
55.6
|
17.6
|
76.8
|
10
|
4,560,000
|
4,944
|
1,610,458,442
|
18
|
5,935,259
|
4
|
83.3
|
22.3
|
92.9
|
14
|
5,100,000
|
4,214
|
1,366,023,440
|
17
|
5,489,423
|
5
|
97.8
|
25.2
|
82.9
|
15
|
4,125,000
|
3,522
|
1,136,291,596
|
15
|
4,975,043
|
6
|
103.6
|
27.7
|
136.9
|
14
|
5,980,000
|
2,845
|
914,572,089
|
14
|
4,367,361
|
7+
|
56.7
|
13.0
|
52.0
|
19
|
5,560,000
|
5,856
|
1,859,482,488
|
34
|
10,683,105
|
Total
|
65.9
|
7.0
|
68.6
|
89
|
30,335,000
|
33,419
|
10,854,864,678
|
135
|
44,202,181
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,243
|
358,263,047
|
1
|
297,527
|
25-29
|
101.7
|
45.3
|
167.6
|
5
|
2,610,000
|
3,782
|
1,186,807,174
|
5
|
1,556,986
|
30-34
|
65.2
|
21.7
|
57.0
|
9
|
2,500,000
|
6,839
|
2,181,026,836
|
14
|
4,389,427
|
35-39
|
48.7
|
14.1
|
48.2
|
12
|
3,925,000
|
8,037
|
2,657,734,646
|
25
|
8,136,472
|
40-44
|
71.8
|
15.0
|
66.6
|
23
|
7,090,000
|
6,782
|
2,264,751,224
|
32
|
10,641,461
|
45-49
|
48.9
|
13.1
|
58.0
|
14
|
5,300,000
|
4,099
|
1,321,442,069
|
29
|
9,140,263
|
50-54
|
87.6
|
21.9
|
84.6
|
16
|
5,210,000
|
1,842
|
622,327,489
|
18
|
6,155,250
|
55-59
|
99.4
|
31.4
|
113.8
|
10
|
3,700,000
|
705
|
229,297,082
|
10
|
3,252,326
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
90
|
33,215,110
|
2
|
632,472
|
Total
|
65.9
|
7.0
|
68.6
|
89
|
30,335,000
|
33,419
|
10,854,864,678
|
135
|
44,202,181
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
632
|
182,136,549
|
0
|
125,090
|
25-29
|
41.4
|
41.4
|
47.4
|
1
|
350,000
|
2,367
|
721,764,110
|
2
|
738,890
|
30-34
|
65.0
|
29.0
|
101.1
|
5
|
2,510,000
|
4,996
|
1,598,892,910
|
8
|
2,483,201
|
35-39
|
76.9
|
21.3
|
61.3
|
13
|
3,375,000
|
7,199
|
2,341,296,112
|
17
|
5,507,178
|
40-44
|
42.5
|
12.8
|
45.0
|
11
|
3,910,000
|
7,306
|
2,445,971,693
|
26
|
8,690,128
|
45-49
|
72.7
|
15.5
|
82.0
|
22
|
8,130,000
|
5,615
|
1,841,567,049
|
30
|
9,919,170
|
50-54
|
53.2
|
14.2
|
45.9
|
14
|
3,910,000
|
3,332
|
1,081,065,324
|
26
|
8,525,337
|
55-59
|
101.8
|
25.5
|
120.9
|
16
|
6,200,000
|
1,394
|
453,770,109
|
16
|
5,127,374
|
60+
|
73.9
|
27.9
|
63.2
|
7
|
1,950,000
|
577
|
188,400,822
|
9
|
3,085,813
|
Total
|
65.9
|
7.0
|
68.6
|
89
|
30,335,000
|
33,419
|
10,854,864,678
|
135
|
44,202,181
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.13
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.0
|
8.2
|
35.3
|
21
|
402,750
|
17,372
|
367,840,993
|
56
|
1,141,537
|
2
|
47.6
|
9.5
|
54.6
|
25
|
585,133
|
14,757
|
312,192,815
|
53
|
1,071,964
|
3
|
93.3
|
13.6
|
101.2
|
47
|
1,051,073
|
12,655
|
269,458,220
|
51
|
1,038,847
|
4
|
84.7
|
13.6
|
84.7
|
39
|
806,286
|
10,331
|
221,494,878
|
46
|
952,394
|
5
|
64.9
|
12.5
|
71.4
|
27
|
620,000
|
8,437
|
182,626,499
|
42
|
868,264
|
6
|
83.2
|
15.2
|
89.1
|
30
|
673,500
|
6,671
|
145,019,496
|
36
|
756,242
|
7+
|
93.1
|
10.7
|
96.2
|
75
|
1,664,172
|
12,232
|
269,099,203
|
81
|
1,730,191
|
Total
|
72.8
|
4.5
|
76.8
|
265
|
5,802,914
|
82,454
|
1,767,732,103
|
364
|
7,559,439
|
By Issue Age
|
20-24
|
108.1
|
40.9
|
136.2
|
7
|
175,000
|
8,424
|
167,845,712
|
6
|
128,493
|
25-29
|
51.4
|
19.4
|
61.3
|
7
|
180,000
|
12,375
|
269,041,881
|
14
|
293,856
|
30-34
|
58.8
|
17.0
|
67.3
|
12
|
301,250
|
11,876
|
260,408,484
|
20
|
447,749
|
35-39
|
78.5
|
14.8
|
88.9
|
28
|
740,000
|
12,917
|
300,164,393
|
36
|
832,460
|
40-44
|
75.6
|
10.7
|
82.2
|
50
|
1,198,565
|
14,658
|
323,811,631
|
66
|
1,458,732
|
45-49
|
85.0
|
9.7
|
88.9
|
76
|
1,656,741
|
12,442
|
258,315,447
|
90
|
1,864,568
|
50-54
|
62.8
|
9.2
|
59.7
|
47
|
890,108
|
6,640
|
131,375,055
|
75
|
1,491,559
|
55-59
|
65.5
|
12.6
|
58.0
|
27
|
441,250
|
2,493
|
45,282,595
|
42
|
760,130
|
60-64
|
67.9
|
22.6
|
79.4
|
9
|
195,000
|
581
|
10,534,923
|
13
|
245,621
|
65+
|
57.5
|
57.5
|
68.9
|
1
|
25,000
|
47
|
951,982
|
2
|
36,272
|
Total
|
72.8
|
4.5
|
76.8
|
265
|
5,802,914
|
82,454
|
1,767,732,103
|
364
|
7,559,439
|
By Attained Age
|
20-24
|
112.5
|
64.9
|
141.8
|
3
|
75,000
|
4,167
|
82,211,591
|
3
|
52,887
|
25-29
|
42.8
|
21.4
|
50.7
|
4
|
100,000
|
10,541
|
222,928,990
|
9
|
197,237
|
30-34
|
63.8
|
20.2
|
69.5
|
10
|
235,000
|
11,766
|
254,089,266
|
16
|
337,997
|
35-39
|
79.7
|
18.3
|
101.1
|
19
|
545,250
|
11,685
|
263,986,271
|
24
|
539,400
|
40-44
|
68.8
|
12.4
|
73.1
|
31
|
745,565
|
13,707
|
311,580,221
|
45
|
1,020,264
|
45-49
|
76.5
|
10.1
|
82.5
|
57
|
1,322,008
|
13,879
|
298,245,171
|
75
|
1,602,726
|
50-54
|
68.8
|
9.0
|
71.1
|
59
|
1,250,866
|
9,949
|
204,615,432
|
86
|
1,759,299
|
55-59
|
78.4
|
11.1
|
73.5
|
50
|
924,225
|
4,757
|
93,095,597
|
64
|
1,258,102
|
60-64
|
75.7
|
15.4
|
71.6
|
24
|
425,000
|
1,613
|
29,785,537
|
32
|
593,457
|
65+
|
66.8
|
25.2
|
90.9
|
7
|
180,000
|
391
|
7,194,027
|
10
|
198,070
|
Total
|
72.8
|
4.5
|
76.8
|
265
|
5,802,914
|
82,454
|
1,767,732,103
|
364
|
7,559,439
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.14
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
45.9
|
12.3
|
46.2
|
14
|
755,000
|
13,751
|
741,412,151
|
30
|
1,633,053
|
2
|
99.2
|
18.7
|
94.2
|
28
|
1,435,000
|
11,302
|
610,069,556
|
28
|
1,523,729
|
3
|
94.9
|
18.6
|
95.4
|
26
|
1,401,000
|
9,595
|
519,076,323
|
27
|
1,468,736
|
4
|
78.6
|
17.6
|
79.5
|
20
|
1,084,770
|
7,873
|
426,372,182
|
25
|
1,365,107
|
5
|
46.0
|
13.9
|
45.2
|
11
|
578,725
|
6,481
|
351,447,345
|
24
|
1,280,621
|
6
|
97.9
|
21.4
|
96.9
|
21
|
1,114,128
|
5,187
|
281,552,472
|
21
|
1,149,543
|
7+
|
98.5
|
12.1
|
101.9
|
66
|
3,632,396
|
11,551
|
622,923,124
|
67
|
3,564,073
|
Total
|
83.1
|
6.1
|
83.4
|
186
|
10,001,019
|
65,740
|
3,552,853,154
|
224
|
11,984,860
|
By Issue Age
|
20-39
|
69.7
|
9.5
|
69.6
|
54
|
2,923,519
|
45,227
|
2,461,767,925
|
77
|
4,201,930
|
40-44
|
91.6
|
13.6
|
92.9
|
45
|
2,445,000
|
10,751
|
573,989,087
|
49
|
2,630,552
|
45-49
|
101.0
|
14.6
|
101.9
|
48
|
2,571,000
|
6,325
|
335,512,606
|
48
|
2,521,972
|
50-54
|
78.4
|
15.7
|
80.7
|
25
|
1,365,000
|
2,591
|
137,168,931
|
32
|
1,691,894
|
55+
|
78.3
|
20.9
|
74.2
|
14
|
696,500
|
846
|
44,414,604
|
18
|
938,513
|
Total
|
83.1
|
6.1
|
83.4
|
186
|
10,001,019
|
65,740
|
3,552,853,154
|
224
|
11,984,860
|
By Attained Age
|
20-44
|
69.8
|
8.9
|
69.2
|
62
|
3,321,123
|
49,093
|
2,666,706,211
|
89
|
4,799,748
|
45-49
|
94.7
|
14.1
|
96.7
|
45
|
2,463,396
|
9,008
|
481,347,314
|
48
|
2,548,697
|
50-54
|
86.2
|
14.4
|
88.4
|
36
|
1,965,000
|
4,841
|
257,650,525
|
42
|
2,223,045
|
55-59
|
106.0
|
19.7
|
103.1
|
29
|
1,490,000
|
1,997
|
105,203,248
|
27
|
1,445,711
|
60+
|
75.7
|
20.2
|
78.7
|
14
|
761,500
|
801
|
41,945,856
|
18
|
967,659
|
Total
|
83.1
|
6.1
|
83.4
|
186
|
10,001,019
|
65,740
|
3,552,853,154
|
224
|
11,984,860
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.15
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.9
|
12.0
|
28.6
|
7
|
710,000
|
11,419
|
1,265,452,062
|
22
|
2,484,747
|
2
|
83.0
|
19.6
|
86.9
|
18
|
2,100,000
|
9,638
|
1,067,030,677
|
22
|
2,415,791
|
3
|
90.6
|
20.8
|
94.0
|
19
|
2,200,000
|
8,292
|
918,505,349
|
21
|
2,340,238
|
4
|
46.2
|
15.4
|
45.2
|
9
|
984,000
|
6,860
|
760,189,102
|
19
|
2,176,544
|
5
|
134.5
|
27.4
|
134.1
|
24
|
2,670,880
|
5,631
|
623,387,218
|
18
|
1,991,509
|
6
|
94.3
|
24.3
|
94.4
|
15
|
1,685,000
|
4,511
|
499,552,840
|
16
|
1,785,633
|
7+
|
83.5
|
14.1
|
91.2
|
35
|
4,295,085
|
8,823
|
984,878,532
|
42
|
4,709,970
|
Total
|
79.4
|
7.0
|
81.8
|
127
|
14,644,965
|
55,173
|
6,118,995,781
|
160
|
17,904,432
|
By Issue Age
|
20-34
|
64.9
|
13.0
|
69.8
|
25
|
2,955,880
|
31,157
|
3,414,752,004
|
39
|
4,233,311
|
35-39
|
79.7
|
17.0
|
72.7
|
22
|
2,266,085
|
10,374
|
1,168,509,057
|
28
|
3,115,942
|
40-44
|
78.2
|
15.0
|
80.3
|
27
|
3,104,000
|
7,634
|
854,272,126
|
35
|
3,866,810
|
45-49
|
130.1
|
20.8
|
142.0
|
39
|
4,899,000
|
3,942
|
453,687,320
|
30
|
3,450,093
|
50-54
|
40.5
|
14.3
|
36.3
|
8
|
800,000
|
1,608
|
178,713,834
|
20
|
2,201,089
|
55-59
|
68.3
|
30.0
|
63.8
|
5
|
520,000
|
380
|
40,966,371
|
8
|
815,383
|
60+
|
46.8
|
46.8
|
45.1
|
1
|
100,000
|
77
|
8,095,068
|
2
|
221,804
|
Total
|
79.4
|
7.0
|
81.8
|
127
|
14,644,965
|
55,173
|
6,118,995,781
|
160
|
17,904,432
|
By Attained Age
|
20-39
|
57.8
|
11.1
|
59.3
|
27
|
3,055,880
|
35,474
|
3,899,907,829
|
47
|
5,150,749
|
40-44
|
73.7
|
16.1
|
70.6
|
21
|
2,250,000
|
9,045
|
1,013,825,961
|
28
|
3,187,172
|
45-49
|
118.3
|
19.2
|
120.6
|
38
|
4,406,085
|
6,054
|
688,453,376
|
32
|
3,654,212
|
50-54
|
104.5
|
19.8
|
115.2
|
28
|
3,513,000
|
3,028
|
344,074,054
|
27
|
3,048,819
|
55-59
|
53.2
|
17.6
|
53.2
|
9
|
1,010,000
|
1,191
|
131,795,495
|
17
|
1,897,908
|
60+
|
45.6
|
22.5
|
42.5
|
4
|
410,000
|
379
|
40,939,065
|
9
|
965,572
|
Total
|
79.4
|
7.0
|
81.8
|
127
|
14,644,965
|
55,173
|
6,118,995,781
|
160
|
17,904,432
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.16
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
117.5
|
67.9
|
108.0
|
3
|
1,000,000
|
977
|
341,047,670
|
3
|
925,655
|
2
|
42.9
|
42.9
|
30.7
|
1
|
250,000
|
815
|
277,227,003
|
2
|
815,477
|
3
|
129.8
|
74.9
|
165.4
|
3
|
1,300,000
|
715
|
237,745,309
|
2
|
785,830
|
4
|
139.1
|
80.3
|
102.3
|
3
|
750,000
|
600
|
196,472,909
|
2
|
732,905
|
5
|
157.1
|
90.7
|
115.6
|
3
|
750,000
|
477
|
156,618,224
|
2
|
648,590
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
396
|
131,409,178
|
2
|
609,277
|
7+
|
38.2
|
27.0
|
36.8
|
2
|
650,000
|
932
|
309,678,335
|
5
|
1,765,911
|
Total
|
82.0
|
21.2
|
74.8
|
15
|
4,700,000
|
4,913
|
1,650,198,628
|
18
|
6,283,645
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
252
|
75,008,851
|
0
|
54,718
|
25-29
|
141.4
|
141.4
|
160.0
|
1
|
350,000
|
674
|
207,543,874
|
1
|
218,810
|
30-34
|
156.8
|
90.5
|
140.2
|
3
|
900,000
|
1,130
|
379,560,738
|
2
|
642,110
|
35-39
|
127.9
|
64.0
|
102.8
|
4
|
1,050,000
|
1,129
|
373,056,391
|
3
|
1,021,153
|
40-44
|
99.4
|
49.7
|
92.2
|
4
|
1,400,000
|
890
|
330,764,418
|
4
|
1,518,851
|
45-49
|
63.5
|
36.6
|
64.1
|
3
|
1,000,000
|
607
|
203,676,057
|
5
|
1,559,600
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
144
|
49,902,166
|
2
|
665,112
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
87
|
30,686,131
|
2
|
603,292
|
Total
|
82.0
|
21.2
|
74.8
|
15
|
4,700,000
|
4,913
|
1,650,198,628
|
18
|
6,283,645
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
125
|
36,742,502
|
0
|
22,678
|
25-29
|
246.4
|
246.4
|
285.2
|
1
|
350,000
|
475
|
143,810,174
|
0
|
122,700
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
785
|
252,029,154
|
1
|
317,141
|
35-39
|
150.3
|
86.8
|
119.9
|
3
|
800,000
|
1,054
|
354,887,071
|
2
|
666,965
|
40-44
|
184.8
|
75.4
|
144.6
|
6
|
1,650,000
|
1,047
|
366,983,878
|
3
|
1,140,802
|
45-49
|
112.3
|
50.2
|
122.2
|
5
|
1,900,000
|
833
|
290,128,997
|
4
|
1,554,261
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
394
|
136,916,145
|
4
|
1,242,201
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
142
|
48,788,549
|
2
|
758,832
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
59
|
19,912,158
|
1
|
458,065
|
Total
|
82.0
|
21.2
|
74.8
|
15
|
4,700,000
|
4,913
|
1,650,198,628
|
18
|
6,283,645
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.17
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
61.7
|
15.2
|
58.5
|
16
|
319,750
|
8,606
|
185,144,770
|
27
|
546,213
|
2
|
48.3
|
13.9
|
57.0
|
12
|
295,000
|
7,251
|
155,621,899
|
25
|
517,193
|
3
|
108.3
|
21.2
|
119.5
|
26
|
600,073
|
6,046
|
130,365,750
|
24
|
502,210
|
4
|
72.8
|
18.2
|
82.4
|
16
|
380,531
|
4,860
|
105,587,013
|
22
|
462,042
|
5
|
45.6
|
15.2
|
58.3
|
9
|
245,000
|
3,917
|
85,852,825
|
20
|
420,238
|
6
|
81.4
|
21.8
|
91.4
|
14
|
333,500
|
3,073
|
67,426,941
|
17
|
365,031
|
7+
|
81.2
|
14.4
|
90.9
|
32
|
774,765
|
5,644
|
123,990,458
|
39
|
852,339
|
Total
|
72.2
|
6.4
|
80.4
|
126
|
2,948,619
|
39,395
|
853,989,656
|
174
|
3,665,267
|
By Issue Age
|
20-24
|
34.5
|
34.5
|
43.3
|
1
|
25,000
|
4,148
|
83,362,705
|
3
|
57,781
|
25-29
|
48.9
|
28.2
|
60.1
|
3
|
80,000
|
6,414
|
141,010,690
|
6
|
133,148
|
30-34
|
46.7
|
23.3
|
61.6
|
4
|
116,250
|
5,836
|
128,308,087
|
9
|
188,689
|
35-39
|
113.6
|
27.6
|
123.4
|
17
|
428,000
|
6,134
|
141,827,545
|
15
|
346,773
|
40-44
|
78.3
|
16.0
|
87.3
|
24
|
601,565
|
7,040
|
158,023,216
|
31
|
689,077
|
45-49
|
81.3
|
13.7
|
99.4
|
35
|
898,008
|
5,637
|
117,762,931
|
43
|
903,100
|
50-54
|
58.8
|
12.2
|
52.6
|
23
|
423,546
|
2,973
|
60,540,554
|
39
|
805,504
|
55-59
|
63.2
|
17.4
|
64.1
|
13
|
256,250
|
987
|
18,794,452
|
21
|
399,535
|
60-64
|
70.1
|
35.0
|
86.0
|
4
|
95,000
|
186
|
3,590,532
|
6
|
110,459
|
65+
|
66.2
|
66.2
|
80.1
|
1
|
25,000
|
39
|
768,945
|
2
|
31,201
|
Total
|
72.2
|
6.4
|
80.4
|
126
|
2,948,619
|
39,395
|
853,989,656
|
174
|
3,665,267
|
By Attained Age
|
20-24
|
83.2
|
83.2
|
103.9
|
1
|
25,000
|
2,026
|
40,203,624
|
1
|
24,054
|
25-29
|
23.5
|
23.5
|
27.2
|
1
|
25,000
|
5,451
|
117,265,837
|
4
|
91,858
|
30-34
|
59.5
|
29.7
|
72.2
|
4
|
105,000
|
5,891
|
127,656,584
|
7
|
145,509
|
35-39
|
111.3
|
33.5
|
142.0
|
11
|
318,250
|
5,698
|
128,754,111
|
10
|
224,045
|
40-44
|
66.3
|
18.4
|
66.4
|
13
|
295,565
|
6,577
|
149,769,097
|
20
|
445,445
|
45-49
|
89.6
|
16.0
|
105.7
|
31
|
802,008
|
6,470
|
141,499,249
|
35
|
758,492
|
50-54
|
63.6
|
12.2
|
70.0
|
27
|
612,000
|
4,468
|
92,123,072
|
43
|
873,989
|
55-59
|
70.6
|
14.6
|
65.3
|
23
|
435,796
|
2,000
|
40,631,026
|
33
|
667,616
|
60-64
|
52.6
|
17.5
|
57.5
|
9
|
195,000
|
680
|
13,531,667
|
17
|
338,940
|
65+
|
102.1
|
45.7
|
141.6
|
5
|
135,000
|
134
|
2,555,389
|
5
|
95,320
|
Total
|
72.2
|
6.4
|
80.4
|
126
|
2,948,619
|
39,395
|
853,989,656
|
174
|
3,665,267
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.18
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
36.1
|
14.8
|
32.5
|
6
|
290,000
|
7,949
|
430,632,252
|
17
|
892,701
|
2
|
103.3
|
25.8
|
96.0
|
16
|
800,000
|
6,432
|
348,990,250
|
15
|
833,419
|
3
|
100.4
|
25.9
|
102.6
|
15
|
826,000
|
5,417
|
294,665,300
|
15
|
804,705
|
4
|
78.4
|
23.7
|
76.9
|
11
|
580,000
|
4,426
|
240,840,209
|
14
|
754,715
|
5
|
30.3
|
15.1
|
26.7
|
4
|
189,600
|
3,594
|
195,905,540
|
13
|
710,870
|
6
|
67.0
|
23.7
|
66.3
|
8
|
425,000
|
2,851
|
155,420,335
|
12
|
641,211
|
7+
|
100.7
|
16.1
|
104.9
|
39
|
2,165,000
|
6,261
|
339,157,987
|
39
|
2,063,850
|
Total
|
79.2
|
8.0
|
78.7
|
99
|
5,275,600
|
36,931
|
2,005,611,872
|
125
|
6,701,472
|
By Issue Age
|
20-39
|
68.6
|
13.2
|
65.0
|
27
|
1,395,000
|
25,625
|
1,403,533,721
|
39
|
2,146,375
|
40-44
|
93.6
|
18.7
|
95.0
|
25
|
1,350,000
|
5,977
|
318,148,833
|
27
|
1,421,262
|
45-49
|
80.8
|
17.2
|
83.6
|
22
|
1,201,000
|
3,453
|
182,766,709
|
27
|
1,437,314
|
50-54
|
84.8
|
20.6
|
87.0
|
17
|
940,000
|
1,426
|
77,068,339
|
20
|
1,080,038
|
55+
|
68.9
|
24.4
|
63.2
|
8
|
389,600
|
450
|
24,094,270
|
12
|
616,483
|
Total
|
79.2
|
8.0
|
78.7
|
99
|
5,275,600
|
36,931
|
2,005,611,872
|
125
|
6,701,472
|
By Attained Age
|
20-39
|
66.5
|
16.1
|
61.9
|
17
|
870,000
|
21,160
|
1,162,411,058
|
26
|
1,404,583
|
40-44
|
70.8
|
18.9
|
68.6
|
14
|
725,000
|
6,697
|
358,774,077
|
20
|
1,056,492
|
45-49
|
94.7
|
18.9
|
98.3
|
25
|
1,386,000
|
5,002
|
267,269,818
|
26
|
1,409,788
|
50-54
|
69.6
|
16.9
|
70.2
|
17
|
915,000
|
2,615
|
139,554,210
|
24
|
1,303,535
|
55-59
|
96.6
|
24.2
|
93.4
|
16
|
825,000
|
1,023
|
54,537,785
|
17
|
883,765
|
60+
|
81.9
|
25.9
|
86.2
|
10
|
554,600
|
436
|
23,064,925
|
12
|
643,309
|
Total
|
79.2
|
8.0
|
78.7
|
99
|
5,275,600
|
36,931
|
2,005,611,872
|
125
|
6,701,472
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.19
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.1
|
13.1
|
20.5
|
3
|
310,000
|
7,296
|
814,319,998
|
13
|
1,515,502
|
2
|
106.4
|
28.4
|
111.2
|
14
|
1,650,000
|
6,103
|
681,285,330
|
13
|
1,483,297
|
3
|
99.2
|
27.5
|
94.8
|
13
|
1,400,000
|
5,299
|
591,862,265
|
13
|
1,477,399
|
4
|
65.4
|
23.1
|
64.0
|
8
|
884,000
|
4,372
|
488,391,820
|
12
|
1,381,271
|
5
|
125.0
|
33.4
|
120.7
|
14
|
1,525,000
|
3,561
|
397,564,659
|
11
|
1,263,462
|
6
|
78.9
|
27.7
|
80.8
|
8
|
935,000
|
2,873
|
321,261,917
|
10
|
1,157,751
|
7+
|
100.6
|
19.0
|
107.4
|
28
|
3,395,085
|
5,614
|
635,265,093
|
28
|
3,160,891
|
Total
|
87.1
|
9.3
|
88.3
|
88
|
10,099,085
|
35,117
|
3,929,951,082
|
101
|
11,439,573
|
By Issue Age
|
20-34
|
66.7
|
17.2
|
68.2
|
15
|
1,700,000
|
19,834
|
2,189,315,302
|
22
|
2,493,796
|
35-39
|
96.2
|
24.1
|
85.2
|
16
|
1,616,085
|
6,780
|
769,683,889
|
17
|
1,896,915
|
40-44
|
75.8
|
18.9
|
79.6
|
16
|
1,904,000
|
4,747
|
537,169,850
|
21
|
2,390,474
|
45-49
|
136.7
|
26.3
|
149.0
|
27
|
3,459,000
|
2,462
|
290,163,574
|
20
|
2,321,986
|
50-54
|
59.4
|
21.0
|
52.7
|
8
|
800,000
|
970
|
109,455,842
|
13
|
1,518,326
|
55-59
|
85.4
|
37.5
|
80.8
|
5
|
520,000
|
270
|
28,567,557
|
6
|
643,824
|
60+
|
60.1
|
60.1
|
57.4
|
1
|
100,000
|
52
|
5,595,068
|
2
|
174,252
|
Total
|
87.1
|
9.3
|
88.3
|
88
|
10,099,085
|
35,117
|
3,929,951,082
|
101
|
11,439,573
|
By Attained Age
|
20-39
|
62.2
|
15.1
|
59.3
|
17
|
1,800,000
|
22,689
|
2,509,708,698
|
27
|
3,035,920
|
40-44
|
88.6
|
22.9
|
83.3
|
15
|
1,600,000
|
5,774
|
654,734,819
|
17
|
1,920,622
|
45-49
|
114.5
|
23.9
|
122.9
|
23
|
2,866,085
|
3,800
|
440,658,449
|
20
|
2,331,622
|
50-54
|
115.3
|
25.8
|
120.4
|
20
|
2,413,000
|
1,830
|
211,407,044
|
17
|
2,004,603
|
55-59
|
74.5
|
24.7
|
73.9
|
9
|
1,010,000
|
751
|
83,977,094
|
12
|
1,366,904
|
60-64
|
35.9
|
24.8
|
33.2
|
2
|
210,000
|
234
|
25,358,951
|
6
|
632,937
|
65+
|
139.3
|
98.5
|
136.1
|
2
|
200,000
|
40
|
4,106,027
|
1
|
146,966
|
Total
|
87.1
|
9.3
|
88.3
|
88
|
10,099,085
|
35,117
|
3,929,951,082
|
101
|
11,439,573
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.20
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
153.1
|
88.4
|
137.7
|
3
|
1,000,000
|
762
|
271,410,272
|
2
|
726,369
|
2
|
56.4
|
56.4
|
39.6
|
1
|
250,000
|
629
|
218,343,543
|
2
|
631,086
|
3
|
57.9
|
57.9
|
50.3
|
1
|
300,000
|
539
|
183,261,338
|
2
|
596,357
|
4
|
124.2
|
87.8
|
89.8
|
2
|
500,000
|
446
|
148,496,516
|
2
|
556,989
|
5
|
139.6
|
98.7
|
99.9
|
2
|
500,000
|
359
|
120,711,038
|
1
|
500,698
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
301
|
102,327,298
|
1
|
478,887
|
7+
|
48.3
|
34.2
|
45.4
|
2
|
650,000
|
713
|
243,408,916
|
4
|
1,430,716
|
Total
|
78.5
|
23.7
|
65.0
|
11
|
3,200,000
|
3,750
|
1,287,958,920
|
14
|
4,921,101
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
188
|
56,716,054
|
0
|
38,772
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
518
|
159,417,970
|
1
|
158,731
|
30-34
|
147.2
|
104.1
|
134.8
|
2
|
650,000
|
860
|
302,161,397
|
1
|
482,267
|
35-39
|
168.2
|
84.1
|
131.3
|
4
|
1,050,000
|
889
|
300,548,300
|
2
|
799,664
|
40-44
|
100.3
|
57.9
|
64.7
|
3
|
750,000
|
667
|
253,541,544
|
3
|
1,158,615
|
45-49
|
53.5
|
37.9
|
60.1
|
2
|
750,000
|
455
|
155,100,254
|
4
|
1,248,102
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
107
|
38,839,324
|
1
|
555,558
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
64
|
21,634,076
|
1
|
479,391
|
Total
|
78.5
|
23.7
|
65.0
|
11
|
3,200,000
|
3,750
|
1,287,958,920
|
14
|
4,921,101
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
99
|
29,386,515
|
0
|
17,492
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
354
|
108,425,844
|
0
|
86,830
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
611
|
198,964,105
|
1
|
236,981
|
35-39
|
140.5
|
99.3
|
111.4
|
2
|
550,000
|
807
|
280,308,973
|
1
|
493,834
|
40-44
|
250.8
|
102.4
|
190.4
|
6
|
1,650,000
|
803
|
289,502,763
|
2
|
866,783
|
45-49
|
91.6
|
52.9
|
85.5
|
3
|
1,000,000
|
614
|
218,724,485
|
3
|
1,170,170
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
308
|
108,997,582
|
3
|
1,024,899
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
107
|
37,986,494
|
2
|
632,264
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
47
|
15,662,158
|
1
|
391,847
|
Total
|
78.5
|
23.7
|
65.0
|
11
|
3,200,000
|
3,750
|
1,287,958,920
|
14
|
4,921,101
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.21
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.9
|
7.5
|
13.9
|
5
|
83,000
|
8,767
|
182,696,223
|
30
|
595,324
|
2
|
47.1
|
13.1
|
52.3
|
13
|
290,133
|
7,506
|
156,570,916
|
28
|
554,771
|
3
|
79.7
|
17.4
|
84.0
|
21
|
451,000
|
6,609
|
139,092,470
|
26
|
536,637
|
4
|
95.5
|
19.9
|
86.8
|
23
|
425,755
|
5,471
|
115,907,865
|
24
|
490,352
|
5
|
82.5
|
19.4
|
83.7
|
18
|
375,000
|
4,521
|
96,773,674
|
22
|
448,025
|
6
|
84.8
|
21.2
|
86.9
|
16
|
340,000
|
3,597
|
77,592,555
|
19
|
391,211
|
7+
|
104.4
|
15.9
|
101.3
|
43
|
889,407
|
6,588
|
145,108,745
|
41
|
877,852
|
Total
|
73.3
|
6.2
|
73.3
|
139
|
2,854,295
|
43,059
|
913,742,448
|
190
|
3,894,172
|
By Issue Age
|
20-24
|
167.7
|
68.4
|
212.1
|
6
|
150,000
|
4,276
|
84,483,007
|
4
|
70,712
|
25-29
|
53.4
|
26.7
|
62.2
|
4
|
100,000
|
5,961
|
128,031,191
|
7
|
160,708
|
30-34
|
67.7
|
23.9
|
71.4
|
8
|
185,000
|
6,040
|
132,100,398
|
12
|
259,059
|
35-39
|
53.1
|
16.0
|
64.2
|
11
|
312,000
|
6,783
|
158,336,848
|
21
|
485,687
|
40-44
|
73.3
|
14.4
|
77.6
|
26
|
597,000
|
7,618
|
165,788,415
|
35
|
769,655
|
45-49
|
88.3
|
13.8
|
78.9
|
41
|
758,733
|
6,805
|
140,552,515
|
47
|
961,468
|
50-54
|
67.3
|
13.7
|
68.0
|
24
|
466,562
|
3,667
|
70,834,501
|
36
|
686,055
|
55-59
|
67.9
|
18.2
|
51.3
|
14
|
185,000
|
1,506
|
26,488,144
|
21
|
360,594
|
60+
|
64.2
|
28.7
|
71.3
|
5
|
100,000
|
403
|
7,127,429
|
8
|
140,233
|
Total
|
73.3
|
6.2
|
73.3
|
139
|
2,854,295
|
43,059
|
913,742,448
|
190
|
3,894,172
|
By Attained Age
|
20-24
|
136.6
|
96.6
|
173.4
|
2
|
50,000
|
2,141
|
42,007,968
|
1
|
28,833
|
25-29
|
59.1
|
34.1
|
71.2
|
3
|
75,000
|
5,090
|
105,663,153
|
5
|
105,379
|
30-34
|
67.0
|
27.4
|
67.5
|
6
|
130,000
|
5,875
|
126,432,682
|
9
|
192,487
|
35-39
|
57.3
|
20.3
|
72.0
|
8
|
227,000
|
5,987
|
135,232,160
|
14
|
315,355
|
40-44
|
70.8
|
16.7
|
78.3
|
18
|
450,000
|
7,130
|
161,811,124
|
25
|
574,819
|
45-49
|
65.1
|
12.7
|
61.6
|
26
|
520,000
|
7,409
|
156,745,922
|
40
|
844,234
|
50-54
|
73.9
|
13.1
|
72.2
|
32
|
638,866
|
5,480
|
112,492,361
|
43
|
885,310
|
55-59
|
86.6
|
16.7
|
82.7
|
27
|
488,429
|
2,757
|
52,464,570
|
31
|
590,487
|
60-64
|
102.6
|
26.5
|
90.4
|
15
|
230,000
|
933
|
16,253,871
|
15
|
254,517
|
65+
|
35.8
|
25.3
|
43.8
|
2
|
45,000
|
257
|
4,638,638
|
6
|
102,751
|
Total
|
73.3
|
6.2
|
73.3
|
139
|
2,854,295
|
43,059
|
913,742,448
|
190
|
3,894,172
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.22
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
57.6
|
20.4
|
62.8
|
8
|
465,000
|
5,802
|
310,779,899
|
14
|
740,352
|
2
|
94.2
|
27.0
|
92.0
|
12
|
635,000
|
4,871
|
261,079,306
|
13
|
690,310
|
3
|
88.4
|
26.6
|
86.6
|
11
|
575,000
|
4,178
|
224,411,023
|
12
|
664,031
|
4
|
78.7
|
26.2
|
82.7
|
9
|
504,770
|
3,447
|
185,531,973
|
11
|
610,391
|
5
|
65.5
|
24.8
|
68.3
|
7
|
389,125
|
2,887
|
155,541,805
|
11
|
569,751
|
6
|
136.7
|
37.9
|
135.6
|
13
|
689,128
|
2,336
|
126,132,137
|
10
|
508,331
|
7+
|
95.5
|
18.4
|
97.8
|
27
|
1,467,396
|
5,290
|
283,765,137
|
28
|
1,500,223
|
Total
|
87.9
|
9.4
|
89.4
|
87
|
4,725,419
|
28,809
|
1,547,241,281
|
99
|
5,283,389
|
By Issue Age
|
20-39
|
70.8
|
13.6
|
74.4
|
27
|
1,528,519
|
19,602
|
1,058,234,204
|
38
|
2,055,555
|
40-44
|
89.1
|
19.9
|
90.5
|
20
|
1,095,000
|
4,774
|
255,840,254
|
23
|
1,209,290
|
45-49
|
128.1
|
25.1
|
126.3
|
26
|
1,370,000
|
2,872
|
152,745,897
|
20
|
1,084,658
|
50-54
|
67.5
|
23.9
|
69.5
|
8
|
425,000
|
1,165
|
60,100,592
|
12
|
611,856
|
55-59
|
93.1
|
46.6
|
90.9
|
4
|
200,000
|
305
|
15,603,121
|
4
|
219,988
|
60+
|
100.8
|
71.3
|
104.8
|
2
|
106,900
|
91
|
4,717,213
|
2
|
102,042
|
Total
|
87.9
|
9.4
|
89.4
|
87
|
4,725,419
|
28,809
|
1,547,241,281
|
99
|
5,283,389
|
By Attained Age
|
20-44
|
71.4
|
12.8
|
73.8
|
31
|
1,726,123
|
21,236
|
1,145,521,076
|
43
|
2,338,674
|
45-49
|
94.8
|
21.1
|
94.6
|
20
|
1,077,396
|
4,007
|
214,077,496
|
21
|
1,138,909
|
50-54
|
109.5
|
25.1
|
114.2
|
19
|
1,050,000
|
2,226
|
118,096,316
|
17
|
919,509
|
55-59
|
120.3
|
33.4
|
118.3
|
13
|
665,000
|
974
|
50,665,463
|
11
|
561,946
|
60+
|
63.6
|
31.8
|
63.8
|
4
|
206,900
|
366
|
18,880,931
|
6
|
324,351
|
Total
|
87.9
|
9.4
|
89.4
|
87
|
4,725,419
|
28,809
|
1,547,241,281
|
99
|
5,283,389
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.23
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
45.3
|
22.7
|
41.3
|
4
|
400,000
|
4,123
|
451,132,064
|
9
|
969,245
|
2
|
46.9
|
23.4
|
48.3
|
4
|
450,000
|
3,535
|
385,745,347
|
9
|
932,494
|
3
|
76.1
|
31.1
|
92.7
|
6
|
800,000
|
2,993
|
326,643,084
|
8
|
862,839
|
4
|
13.8
|
13.8
|
12.6
|
1
|
100,000
|
2,488
|
271,797,282
|
7
|
795,273
|
5
|
150.4
|
47.6
|
157.4
|
10
|
1,145,880
|
2,069
|
225,822,559
|
7
|
728,047
|
6
|
121.9
|
46.1
|
119.4
|
7
|
750,000
|
1,638
|
178,290,923
|
6
|
627,882
|
7+
|
49.7
|
18.8
|
58.1
|
7
|
900,000
|
3,209
|
349,613,440
|
14
|
1,549,080
|
Total
|
66.1
|
10.6
|
70.3
|
39
|
4,545,880
|
20,056
|
2,189,044,699
|
59
|
6,464,859
|
By Issue Age
|
20-34
|
62.3
|
19.7
|
72.2
|
10
|
1,255,880
|
11,323
|
1,225,436,702
|
16
|
1,739,515
|
35-39
|
54.6
|
22.3
|
53.3
|
6
|
650,000
|
3,593
|
398,825,168
|
11
|
1,219,027
|
40-44
|
82.0
|
24.7
|
81.3
|
11
|
1,200,000
|
2,887
|
317,102,276
|
13
|
1,476,337
|
45-49
|
117.3
|
33.9
|
127.6
|
12
|
1,440,000
|
1,479
|
163,523,747
|
10
|
1,128,107
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
638
|
69,257,992
|
6
|
682,763
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
136
|
14,898,814
|
2
|
219,110
|
Total
|
66.1
|
10.6
|
70.3
|
39
|
4,545,880
|
20,056
|
2,189,044,699
|
59
|
6,464,859
|
By Attained Age
|
20-39
|
51.7
|
16.3
|
59.4
|
10
|
1,255,880
|
12,786
|
1,390,199,131
|
19
|
2,114,828
|
40-44
|
52.0
|
21.2
|
51.3
|
6
|
650,000
|
3,272
|
359,091,142
|
12
|
1,266,550
|
45-49
|
124.7
|
32.2
|
116.4
|
15
|
1,540,000
|
2,254
|
247,794,927
|
12
|
1,322,590
|
50-54
|
84.8
|
30.0
|
105.3
|
8
|
1,100,000
|
1,198
|
132,667,010
|
9
|
1,044,216
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
441
|
47,818,401
|
5
|
531,005
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
105
|
11,474,087
|
2
|
185,669
|
Total
|
66.1
|
10.6
|
70.3
|
39
|
4,545,880
|
20,056
|
2,189,044,699
|
59
|
6,464,859
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.24
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
215
|
69,637,399
|
1
|
199,287
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
186
|
58,883,460
|
1
|
184,392
|
3
|
341.8
|
241.7
|
527.8
|
2
|
1,000,000
|
176
|
54,483,971
|
1
|
189,473
|
4
|
182.9
|
182.9
|
142.1
|
1
|
250,000
|
154
|
47,976,393
|
1
|
175,916
|
5
|
209.6
|
209.6
|
169.0
|
1
|
250,000
|
118
|
35,907,186
|
0
|
147,893
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
95
|
29,081,880
|
0
|
130,389
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
219
|
66,269,419
|
1
|
335,196
|
Total
|
93.7
|
46.8
|
110.1
|
4
|
1,500,000
|
1,163
|
362,239,707
|
4
|
1,362,544
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
63
|
18,292,797
|
0
|
15,945
|
25-29
|
517.7
|
517.7
|
582.6
|
1
|
350,000
|
156
|
48,125,904
|
0
|
60,078
|
30-34
|
180.3
|
180.3
|
156.4
|
1
|
250,000
|
270
|
77,399,341
|
1
|
159,843
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
239
|
72,508,091
|
1
|
221,489
|
40-44
|
96.6
|
96.6
|
180.4
|
1
|
650,000
|
222
|
77,222,874
|
1
|
360,236
|
45+
|
59.4
|
59.4
|
45.9
|
1
|
250,000
|
213
|
68,690,700
|
2
|
544,953
|
Total
|
93.7
|
46.8
|
110.1
|
4
|
1,500,000
|
1,163
|
362,239,707
|
4
|
1,362,544
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
26
|
7,355,987
|
0
|
5,186
|
25-29
|
819.9
|
819.9
|
975.7
|
1
|
350,000
|
121
|
35,384,330
|
0
|
35,870
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
173
|
53,065,049
|
0
|
80,159
|
35-39
|
174.8
|
174.8
|
144.4
|
1
|
250,000
|
247
|
74,578,098
|
1
|
173,130
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
243
|
77,481,115
|
1
|
274,019
|
45-49
|
169.9
|
120.2
|
234.3
|
2
|
900,000
|
219
|
71,404,512
|
1
|
384,092
|
50+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
133
|
42,970,617
|
1
|
410,088
|
Total
|
93.7
|
46.8
|
110.1
|
4
|
1,500,000
|
1,163
|
362,239,707
|
4
|
1,362,544
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.25
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
17.3
|
2.3
|
17.5
|
54
|
1,260,461
|
73,946
|
1,722,018,171
|
315
|
7,206,723
|
2
|
40.2
|
3.6
|
42.9
|
125
|
3,065,843
|
65,327
|
1,526,601,975
|
312
|
7,151,939
|
3
|
42.8
|
3.7
|
43.8
|
132
|
3,104,380
|
57,063
|
1,337,906,154
|
308
|
7,087,743
|
4
|
48.7
|
4.1
|
48.5
|
142
|
3,294,507
|
48,380
|
1,142,140,794
|
293
|
6,786,374
|
5
|
45.8
|
4.1
|
46.4
|
125
|
2,967,930
|
40,839
|
972,345,174
|
274
|
6,402,387
|
6
|
54.8
|
4.7
|
57.8
|
135
|
3,360,112
|
33,388
|
799,434,703
|
246
|
5,814,566
|
7+
|
52.5
|
3.0
|
53.1
|
313
|
7,673,592
|
64,923
|
1,576,048,390
|
597
|
14,439,834
|
Total
|
43.8
|
1.4
|
45.0
|
1,027
|
24,726,825
|
383,865
|
9,076,495,362
|
2,344
|
54,889,565
|
By Issue Age
|
20-24
|
54.5
|
16.4
|
65.9
|
11
|
280,000
|
25,677
|
538,739,404
|
20
|
425,074
|
25-29
|
60.7
|
10.9
|
61.6
|
31
|
711,500
|
44,479
|
1,008,837,801
|
51
|
1,155,750
|
30-34
|
51.1
|
7.6
|
55.2
|
45
|
1,148,200
|
50,214
|
1,181,468,224
|
88
|
2,078,551
|
35-39
|
38.8
|
5.0
|
40.4
|
59
|
1,513,331
|
54,499
|
1,330,330,745
|
153
|
3,743,954
|
40-44
|
52.1
|
4.3
|
54.4
|
149
|
3,883,695
|
61,991
|
1,540,713,453
|
286
|
7,139,053
|
45-49
|
43.9
|
3.1
|
43.7
|
206
|
5,128,006
|
62,998
|
1,563,112,230
|
470
|
11,721,985
|
50-54
|
44.1
|
2.8
|
44.0
|
244
|
5,842,306
|
47,294
|
1,128,505,563
|
554
|
13,273,104
|
55-59
|
41.7
|
3.0
|
43.2
|
191
|
4,331,477
|
26,391
|
577,099,746
|
457
|
10,019,913
|
60+
|
34.2
|
3.6
|
35.4
|
90
|
1,888,310
|
10,321
|
207,688,196
|
264
|
5,332,181
|
Total
|
43.8
|
1.4
|
45.0
|
1,027
|
24,726,825
|
383,865
|
9,076,495,362
|
2,344
|
54,889,565
|
By Attained Age
|
20-24
|
63.5
|
28.4
|
67.4
|
5
|
110,000
|
12,153
|
250,491,849
|
8
|
163,207
|
25-29
|
59.2
|
13.6
|
64.3
|
19
|
460,000
|
35,036
|
779,685,862
|
32
|
715,881
|
30-34
|
37.8
|
7.7
|
37.9
|
24
|
556,500
|
46,377
|
1,069,037,867
|
64
|
1,467,875
|
35-39
|
41.1
|
6.3
|
46.2
|
43
|
1,157,200
|
50,269
|
1,197,743,143
|
105
|
2,502,544
|
40-44
|
48.8
|
5.1
|
49.8
|
91
|
2,288,946
|
56,183
|
1,378,148,464
|
187
|
4,593,458
|
45-49
|
41.7
|
3.5
|
43.1
|
140
|
3,582,776
|
61,773
|
1,529,382,322
|
336
|
8,321,423
|
50-54
|
48.7
|
3.2
|
49.8
|
236
|
5,877,291
|
55,739
|
1,361,428,915
|
484
|
11,791,623
|
55-59
|
41.1
|
2.8
|
40.9
|
218
|
5,077,248
|
39,286
|
921,692,065
|
532
|
12,423,990
|
60-64
|
43.3
|
3.4
|
43.7
|
166
|
3,708,098
|
19,570
|
433,217,890
|
384
|
8,477,276
|
65+
|
39.4
|
4.3
|
43.1
|
84
|
1,908,766
|
7,479
|
155,666,987
|
213
|
4,432,289
|
Total
|
43.8
|
1.4
|
45.0
|
1,027
|
24,726,825
|
383,865
|
9,076,495,362
|
2,344
|
54,889,565
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.26
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.0
|
3.0
|
30.7
|
100
|
5,488,500
|
101,904
|
5,495,394,751
|
334
|
17,893,996
|
2
|
45.4
|
3.7
|
45.7
|
152
|
8,182,707
|
89,750
|
4,860,044,835
|
334
|
17,907,493
|
3
|
49.3
|
3.9
|
47.8
|
163
|
8,508,440
|
78,614
|
4,271,124,414
|
332
|
17,811,821
|
4
|
56.7
|
4.2
|
55.8
|
181
|
9,601,974
|
66,994
|
3,649,421,431
|
320
|
17,215,216
|
5
|
55.9
|
4.3
|
55.9
|
170
|
9,173,027
|
57,036
|
3,113,612,728
|
305
|
16,411,931
|
6
|
49.0
|
4.2
|
49.1
|
136
|
7,353,225
|
46,749
|
2,553,512,689
|
278
|
14,987,230
|
7+
|
54.4
|
2.6
|
54.5
|
437
|
23,627,793
|
105,841
|
5,772,769,226
|
804
|
43,357,607
|
Total
|
49.5
|
1.4
|
49.4
|
1,340
|
71,935,666
|
546,887
|
29,715,880,074
|
2,706
|
145,585,294
|
By Issue Age
|
20-24
|
44.0
|
13.9
|
45.4
|
10
|
562,500
|
28,689
|
1,564,602,593
|
23
|
1,237,632
|
25-29
|
59.2
|
8.6
|
60.7
|
47
|
2,644,823
|
68,812
|
3,773,398,921
|
79
|
4,356,668
|
30-34
|
53.0
|
5.8
|
51.9
|
83
|
4,468,705
|
88,306
|
4,842,922,203
|
157
|
8,602,792
|
35-39
|
51.5
|
4.2
|
52.2
|
149
|
8,337,344
|
101,246
|
5,573,469,835
|
290
|
15,976,703
|
40-44
|
50.2
|
3.2
|
50.1
|
248
|
13,451,795
|
105,575
|
5,728,154,628
|
495
|
26,854,525
|
45-49
|
51.0
|
2.8
|
50.9
|
327
|
17,538,603
|
83,961
|
4,505,156,694
|
642
|
34,446,057
|
50-54
|
45.9
|
2.8
|
44.8
|
265
|
13,757,169
|
47,980
|
2,546,505,988
|
578
|
30,703,165
|
55-59
|
50.1
|
3.9
|
50.5
|
162
|
8,651,727
|
17,766
|
941,021,833
|
323
|
17,128,649
|
60-64
|
39.7
|
6.3
|
39.5
|
40
|
2,098,000
|
4,033
|
213,090,593
|
101
|
5,311,583
|
65+
|
44.4
|
15.7
|
43.9
|
8
|
425,000
|
518
|
27,556,786
|
18
|
967,520
|
Total
|
49.5
|
1.4
|
49.4
|
1,340
|
71,935,666
|
546,887
|
29,715,880,074
|
2,706
|
145,585,294
|
By Attained Age
|
20-24
|
47.1
|
23.6
|
43.3
|
4
|
200,000
|
12,942
|
705,793,413
|
8
|
462,225
|
25-29
|
65.3
|
12.1
|
69.9
|
29
|
1,691,323
|
48,361
|
2,637,411,290
|
44
|
2,418,130
|
30-34
|
52.9
|
7.1
|
51.5
|
55
|
2,928,371
|
75,888
|
4,151,585,230
|
104
|
5,683,710
|
35-39
|
45.1
|
4.9
|
45.2
|
83
|
4,572,296
|
88,928
|
4,886,252,311
|
184
|
10,111,560
|
40-44
|
48.8
|
3.9
|
49.0
|
160
|
8,757,150
|
99,001
|
5,422,983,803
|
327
|
17,877,367
|
45-49
|
52.0
|
3.2
|
51.9
|
267
|
14,454,714
|
95,471
|
5,177,142,349
|
514
|
27,847,935
|
50-54
|
46.2
|
2.8
|
46.0
|
280
|
14,940,652
|
70,038
|
3,746,795,516
|
607
|
32,445,090
|
55-59
|
51.7
|
3.2
|
51.0
|
267
|
14,014,683
|
37,920
|
2,017,237,456
|
516
|
27,477,725
|
60-64
|
50.4
|
4.2
|
50.5
|
143
|
7,603,477
|
14,265
|
755,071,051
|
284
|
15,070,237
|
65+
|
44.5
|
6.2
|
44.8
|
52
|
2,773,000
|
4,074
|
215,607,655
|
117
|
6,191,315
|
Total
|
49.5
|
1.4
|
49.4
|
1,340
|
71,935,666
|
546,887
|
29,715,880,074
|
2,706
|
145,585,294
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.27
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
2.8
|
27.9
|
101
|
11,532,500
|
130,841
|
14,912,569,575
|
361
|
41,338,230
|
2
|
55.0
|
3.8
|
54.1
|
204
|
23,061,942
|
120,315
|
13,746,083,398
|
372
|
42,636,767
|
3
|
59.6
|
4.0
|
59.8
|
225
|
25,923,000
|
109,396
|
12,512,906,162
|
378
|
43,357,323
|
4
|
55.8
|
3.9
|
55.7
|
205
|
23,518,885
|
95,040
|
10,872,956,816
|
368
|
42,248,259
|
5
|
57.3
|
4.0
|
58.8
|
202
|
23,802,238
|
81,663
|
9,348,867,703
|
353
|
40,489,811
|
6
|
55.0
|
4.1
|
52.7
|
179
|
19,762,417
|
67,572
|
7,748,569,075
|
326
|
37,488,925
|
7+
|
55.6
|
2.5
|
56.3
|
505
|
58,883,507
|
143,529
|
16,498,551,717
|
909
|
104,615,058
|
Total
|
52.9
|
1.3
|
53.0
|
1,623
|
186,484,489
|
748,357
|
85,640,504,445
|
3,066
|
352,174,372
|
By Issue Age
|
20-24
|
73.5
|
14.1
|
67.5
|
27
|
2,767,500
|
46,463
|
5,192,051,978
|
37
|
4,101,182
|
25-29
|
57.5
|
6.6
|
55.8
|
77
|
8,410,000
|
114,975
|
12,926,254,549
|
134
|
15,063,364
|
30-34
|
53.6
|
4.4
|
54.5
|
148
|
17,226,742
|
155,237
|
17,753,976,415
|
276
|
31,619,244
|
35-39
|
58.9
|
3.7
|
60.6
|
258
|
30,610,385
|
155,634
|
17,949,421,016
|
438
|
50,506,344
|
40-44
|
56.4
|
3.0
|
56.4
|
346
|
40,174,750
|
131,031
|
15,198,061,687
|
614
|
71,197,965
|
45-49
|
48.6
|
2.7
|
48.8
|
318
|
36,607,585
|
84,262
|
9,673,308,715
|
653
|
75,041,367
|
50-54
|
51.5
|
3.1
|
51.2
|
276
|
31,606,705
|
42,512
|
4,890,265,039
|
535
|
61,770,480
|
55-59
|
46.0
|
4.0
|
44.4
|
131
|
14,380,822
|
14,978
|
1,693,371,478
|
285
|
32,368,527
|
60-64
|
44.7
|
7.6
|
45.3
|
35
|
4,000,000
|
2,836
|
317,049,368
|
78
|
8,839,749
|
65+
|
46.2
|
17.5
|
42.0
|
7
|
700,000
|
429
|
46,744,201
|
15
|
1,666,152
|
Total
|
52.9
|
1.3
|
53.0
|
1,623
|
186,484,489
|
748,357
|
85,640,504,445
|
3,066
|
352,174,372
|
By Attained Age
|
20-24
|
52.7
|
19.9
|
49.9
|
7
|
742,500
|
20,326
|
2,279,065,925
|
13
|
1,487,399
|
25-29
|
65.8
|
9.7
|
61.9
|
46
|
4,835,000
|
76,689
|
8,576,201,469
|
70
|
7,814,783
|
30-34
|
51.7
|
5.5
|
50.8
|
90
|
9,994,742
|
128,138
|
14,507,487,996
|
174
|
19,678,222
|
35-39
|
54.3
|
4.2
|
55.4
|
167
|
19,563,333
|
151,152
|
17,347,645,666
|
308
|
35,316,413
|
40-44
|
57.3
|
3.5
|
58.7
|
264
|
31,351,052
|
142,330
|
16,478,324,094
|
462
|
53,370,410
|
45-49
|
53.9
|
3.0
|
53.7
|
322
|
37,038,250
|
111,216
|
12,865,443,215
|
597
|
69,002,533
|
50-54
|
50.9
|
2.9
|
50.4
|
309
|
35,379,585
|
69,200
|
7,967,644,676
|
608
|
70,141,358
|
55-59
|
47.7
|
3.1
|
47.9
|
230
|
26,533,905
|
34,082
|
3,895,934,739
|
483
|
55,380,176
|
60-64
|
55.5
|
4.6
|
54.7
|
143
|
16,045,122
|
12,144
|
1,377,347,234
|
258
|
29,322,520
|
65+
|
46.5
|
7.0
|
46.9
|
44
|
5,001,000
|
3,080
|
345,409,430
|
95
|
10,660,557
|
Total
|
52.9
|
1.3
|
53.0
|
1,623
|
186,484,489
|
748,357
|
85,640,504,445
|
3,066
|
352,174,372
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.28
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.8
|
7.6
|
28.7
|
22
|
6,537,500
|
18,765
|
6,770,909,604
|
62
|
22,808,326
|
2
|
43.4
|
8.3
|
44.5
|
27
|
10,161,667
|
16,912
|
6,038,621,470
|
63
|
22,818,912
|
3
|
56.6
|
9.5
|
65.4
|
35
|
14,783,349
|
15,019
|
5,347,784,568
|
62
|
22,591,777
|
4
|
67.1
|
10.6
|
70.6
|
40
|
15,125,000
|
12,923
|
4,558,420,299
|
60
|
21,438,157
|
5
|
61.2
|
10.5
|
53.6
|
34
|
10,650,000
|
10,868
|
3,811,833,741
|
56
|
19,853,958
|
6
|
67.1
|
11.5
|
75.8
|
34
|
13,810,000
|
8,970
|
3,145,819,745
|
51
|
18,210,048
|
7+
|
65.9
|
6.9
|
60.3
|
90
|
29,420,000
|
19,064
|
6,651,622,734
|
137
|
48,751,839
|
Total
|
57.7
|
3.4
|
56.9
|
283
|
100,487,516
|
102,521
|
36,325,012,160
|
489
|
176,473,018
|
By Issue Age
|
20-24
|
44.3
|
44.3
|
37.1
|
1
|
250,000
|
3,014
|
900,614,054
|
2
|
674,548
|
25-29
|
78.8
|
27.8
|
104.7
|
8
|
3,460,000
|
8,936
|
2,901,361,552
|
10
|
3,303,323
|
30-34
|
66.9
|
14.2
|
66.1
|
22
|
7,460,000
|
19,061
|
6,575,616,645
|
33
|
11,289,824
|
35-39
|
53.2
|
8.9
|
59.5
|
36
|
14,240,000
|
24,952
|
8,891,049,983
|
68
|
23,952,073
|
40-44
|
64.2
|
7.8
|
54.3
|
67
|
20,705,849
|
22,554
|
8,288,354,794
|
105
|
38,131,417
|
45-49
|
40.7
|
6.1
|
41.9
|
44
|
16,736,667
|
13,862
|
5,089,997,158
|
108
|
39,950,882
|
50-54
|
57.7
|
8.1
|
56.8
|
51
|
18,435,000
|
6,825
|
2,494,558,500
|
89
|
32,481,876
|
55-59
|
84.2
|
12.7
|
86.7
|
44
|
16,050,000
|
2,611
|
922,059,024
|
52
|
18,513,085
|
60-64
|
41.2
|
14.6
|
40.0
|
8
|
2,900,000
|
638
|
238,725,438
|
19
|
7,247,670
|
65+
|
35.5
|
35.5
|
26.9
|
1
|
250,000
|
68
|
22,675,011
|
3
|
928,319
|
Total
|
57.7
|
3.4
|
56.9
|
283
|
100,487,516
|
102,521
|
36,325,012,160
|
489
|
176,473,018
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,478
|
441,005,603
|
1
|
282,309
|
25-29
|
40.4
|
28.6
|
41.4
|
2
|
650,000
|
5,521
|
1,751,263,163
|
5
|
1,568,337
|
30-34
|
81.9
|
21.9
|
87.2
|
14
|
5,060,000
|
12,879
|
4,371,286,130
|
17
|
5,802,595
|
35-39
|
55.2
|
11.5
|
52.1
|
23
|
7,590,000
|
21,157
|
7,427,909,952
|
42
|
14,569,351
|
40-44
|
46.0
|
7.9
|
48.3
|
34
|
13,035,849
|
23,436
|
8,535,109,476
|
74
|
26,966,210
|
45-49
|
59.0
|
7.6
|
58.2
|
60
|
21,520,000
|
18,854
|
6,856,450,809
|
102
|
36,975,253
|
50-54
|
51.5
|
7.1
|
45.7
|
53
|
17,181,667
|
11,314
|
4,098,013,164
|
103
|
37,598,022
|
55-59
|
62.4
|
8.7
|
63.5
|
51
|
19,000,000
|
5,393
|
1,955,585,416
|
82
|
29,937,540
|
60-64
|
85.0
|
13.8
|
90.2
|
38
|
14,500,000
|
1,948
|
695,992,267
|
45
|
16,081,631
|
65+
|
37.3
|
14.1
|
29.1
|
7
|
1,950,000
|
542
|
192,396,180
|
19
|
6,691,771
|
Total
|
57.7
|
3.4
|
56.9
|
283
|
100,487,516
|
102,521
|
36,325,012,160
|
489
|
176,473,018
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.29
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
15.2
|
3.4
|
15.0
|
20
|
456,000
|
29,786
|
691,363,924
|
133
|
3,041,676
|
2
|
34.4
|
5.1
|
37.4
|
46
|
1,148,574
|
26,424
|
614,749,173
|
134
|
3,071,459
|
3
|
31.7
|
4.8
|
32.5
|
43
|
1,014,951
|
23,274
|
542,994,279
|
136
|
3,119,119
|
4
|
47.9
|
6.0
|
48.0
|
63
|
1,465,733
|
19,874
|
467,148,995
|
132
|
3,051,844
|
5
|
45.5
|
6.0
|
44.9
|
57
|
1,310,438
|
16,843
|
398,870,054
|
126
|
2,921,293
|
6
|
47.1
|
6.4
|
48.8
|
54
|
1,314,576
|
13,808
|
328,850,155
|
115
|
2,694,906
|
7+
|
52.9
|
4.3
|
54.6
|
154
|
3,830,933
|
27,434
|
660,968,240
|
292
|
7,013,776
|
Total
|
41.0
|
2.0
|
42.3
|
438
|
10,541,205
|
157,442
|
3,704,944,821
|
1,068
|
24,914,072
|
By Issue Age
|
20-24
|
54.9
|
27.4
|
79.0
|
4
|
120,000
|
10,583
|
219,518,615
|
7
|
151,830
|
25-29
|
67.6
|
19.5
|
79.9
|
12
|
321,500
|
18,233
|
413,742,094
|
18
|
402,410
|
30-34
|
31.5
|
10.0
|
26.3
|
10
|
195,000
|
21,239
|
495,014,954
|
32
|
740,141
|
35-39
|
31.9
|
7.5
|
32.4
|
18
|
449,581
|
23,087
|
558,480,176
|
57
|
1,389,584
|
40-44
|
46.4
|
6.4
|
47.0
|
53
|
1,337,725
|
25,256
|
624,044,553
|
115
|
2,846,107
|
45-49
|
44.1
|
4.6
|
45.2
|
92
|
2,336,610
|
25,744
|
633,690,976
|
209
|
5,166,983
|
50-54
|
42.1
|
4.0
|
42.1
|
112
|
2,678,007
|
18,898
|
447,929,192
|
267
|
6,365,726
|
55-59
|
40.1
|
4.1
|
43.1
|
93
|
2,210,066
|
10,536
|
231,798,381
|
233
|
5,127,227
|
60+
|
32.9
|
5.0
|
32.8
|
43
|
892,716
|
3,866
|
80,725,880
|
131
|
2,724,065
|
Total
|
41.0
|
2.0
|
42.3
|
438
|
10,541,205
|
157,442
|
3,704,944,821
|
1,068
|
24,914,072
|
By Attained Age
|
20-24
|
65.4
|
46.2
|
55.8
|
2
|
35,000
|
5,148
|
104,859,086
|
3
|
62,760
|
25-29
|
63.5
|
24.0
|
89.3
|
7
|
220,000
|
14,091
|
313,491,391
|
11
|
246,264
|
30-34
|
36.1
|
12.7
|
35.7
|
8
|
181,500
|
19,297
|
441,119,591
|
22
|
508,100
|
35-39
|
27.2
|
8.6
|
28.0
|
10
|
245,000
|
21,114
|
499,810,518
|
37
|
873,586
|
40-44
|
31.8
|
6.7
|
32.7
|
22
|
556,927
|
23,453
|
569,213,505
|
70
|
1,702,511
|
45-49
|
37.9
|
5.2
|
37.0
|
52
|
1,257,911
|
25,321
|
625,165,379
|
138
|
3,401,417
|
50-54
|
49.4
|
4.7
|
51.5
|
108
|
2,736,400
|
22,652
|
548,546,879
|
219
|
5,310,022
|
55-59
|
36.6
|
3.7
|
37.6
|
96
|
2,304,328
|
15,773
|
368,686,232
|
263
|
6,132,957
|
60-64
|
45.8
|
4.8
|
47.3
|
90
|
2,071,081
|
7,740
|
172,970,672
|
197
|
4,379,997
|
65+
|
39.0
|
6.0
|
40.6
|
42
|
933,058
|
2,854
|
61,081,567
|
108
|
2,296,458
|
Total
|
41.0
|
2.0
|
42.3
|
438
|
10,541,205
|
157,442
|
3,704,944,821
|
1,068
|
24,914,072
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.30
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.2
|
4.3
|
28.7
|
41
|
2,331,000
|
44,533
|
2,422,566,519
|
151
|
8,112,426
|
2
|
43.6
|
5.3
|
43.0
|
68
|
3,591,453
|
39,695
|
2,167,088,842
|
155
|
8,357,271
|
3
|
49.6
|
5.6
|
47.2
|
78
|
4,006,816
|
35,021
|
1,916,787,051
|
157
|
8,482,151
|
4
|
53.7
|
5.9
|
51.3
|
83
|
4,303,086
|
30,056
|
1,648,901,384
|
155
|
8,381,511
|
5
|
59.4
|
6.3
|
59.1
|
89
|
4,788,500
|
25,654
|
1,409,398,730
|
150
|
8,105,353
|
6
|
54.3
|
6.3
|
54.0
|
75
|
4,032,725
|
20,945
|
1,150,739,783
|
138
|
7,468,613
|
7+
|
51.9
|
3.6
|
51.4
|
213
|
11,425,332
|
47,218
|
2,586,241,116
|
410
|
22,222,406
|
Total
|
49.2
|
1.9
|
48.5
|
647
|
34,478,912
|
243,122
|
13,301,723,426
|
1,316
|
71,129,730
|
By Issue Age
|
20-24
|
22.9
|
16.2
|
20.9
|
2
|
100,000
|
12,466
|
682,054,110
|
9
|
478,433
|
25-29
|
68.6
|
15.3
|
68.6
|
20
|
1,103,296
|
29,418
|
1,624,935,040
|
29
|
1,608,979
|
30-34
|
37.6
|
8.0
|
34.8
|
22
|
1,129,871
|
38,819
|
2,142,470,029
|
59
|
3,244,773
|
35-39
|
38.7
|
5.8
|
39.2
|
44
|
2,465,520
|
44,439
|
2,465,575,971
|
114
|
6,297,279
|
40-44
|
39.9
|
4.3
|
39.7
|
87
|
4,742,529
|
47,289
|
2,588,486,405
|
218
|
11,942,584
|
45-49
|
51.5
|
4.0
|
50.7
|
163
|
8,653,800
|
38,234
|
2,063,355,540
|
316
|
17,053,721
|
50-54
|
54.9
|
4.2
|
53.8
|
172
|
9,032,169
|
21,999
|
1,177,548,558
|
313
|
16,791,632
|
55-59
|
56.9
|
5.5
|
56.8
|
109
|
5,788,727
|
8,492
|
453,301,728
|
191
|
10,187,843
|
60-64
|
42.1
|
8.8
|
41.4
|
23
|
1,188,000
|
1,684
|
88,443,918
|
55
|
2,868,175
|
65+
|
42.0
|
18.8
|
41.9
|
5
|
275,000
|
283
|
15,552,128
|
12
|
656,312
|
Total
|
49.2
|
1.9
|
48.5
|
647
|
34,478,912
|
243,122
|
13,301,723,426
|
1,316
|
71,129,730
|
By Attained Age
|
20-24
|
28.8
|
28.8
|
26.4
|
1
|
50,000
|
5,718
|
312,459,440
|
3
|
189,604
|
25-29
|
74.8
|
21.6
|
75.2
|
12
|
662,296
|
20,283
|
1,113,842,661
|
16
|
880,374
|
30-34
|
44.7
|
10.8
|
43.1
|
17
|
903,371
|
32,806
|
1,809,663,886
|
38
|
2,096,601
|
35-39
|
37.7
|
7.4
|
34.9
|
26
|
1,337,273
|
39,504
|
2,188,468,218
|
69
|
3,831,411
|
40-44
|
34.2
|
5.1
|
35.0
|
45
|
2,539,833
|
44,092
|
2,431,125,704
|
132
|
7,258,352
|
45-49
|
44.1
|
4.4
|
43.2
|
102
|
5,452,943
|
42,987
|
2,348,009,173
|
232
|
12,627,740
|
50-54
|
43.6
|
3.8
|
43.4
|
133
|
7,117,536
|
31,816
|
1,710,948,273
|
305
|
16,392,846
|
55-59
|
64.7
|
4.8
|
63.8
|
186
|
9,802,183
|
17,441
|
935,177,632
|
286
|
15,357,795
|
60-64
|
57.3
|
5.9
|
56.5
|
95
|
5,000,477
|
6,608
|
352,568,311
|
166
|
8,847,155
|
65+
|
43.8
|
8.0
|
44.2
|
30
|
1,613,000
|
1,868
|
99,460,127
|
68
|
3,647,853
|
Total
|
49.2
|
1.9
|
48.5
|
647
|
34,478,912
|
243,122
|
13,301,723,426
|
1,316
|
71,129,730
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.31
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.5
|
3.9
|
29.1
|
53
|
6,335,000
|
65,959
|
7,630,753,178
|
186
|
21,732,939
|
2
|
52.3
|
5.2
|
51.9
|
102
|
11,832,200
|
60,971
|
7,067,093,583
|
195
|
22,781,623
|
3
|
52.3
|
5.1
|
52.0
|
106
|
12,234,500
|
55,669
|
6,458,966,462
|
202
|
23,540,826
|
4
|
50.1
|
5.0
|
49.3
|
100
|
11,493,885
|
48,537
|
5,631,901,555
|
200
|
23,319,545
|
5
|
51.9
|
5.2
|
52.6
|
101
|
11,952,238
|
41,830
|
4,856,111,285
|
195
|
22,721,052
|
6
|
43.3
|
4.9
|
41.7
|
79
|
8,899,667
|
34,669
|
4,032,906,827
|
183
|
21,338,105
|
7+
|
50.4
|
3.1
|
52.1
|
271
|
32,737,000
|
75,077
|
8,759,114,149
|
538
|
62,823,113
|
Total
|
47.8
|
1.7
|
48.2
|
813
|
95,484,490
|
382,711
|
44,436,847,040
|
1,700
|
198,257,203
|
By Issue Age
|
20-24
|
83.3
|
23.1
|
77.0
|
13
|
1,350,000
|
22,063
|
2,481,769,792
|
16
|
1,754,293
|
25-29
|
71.9
|
11.5
|
70.0
|
39
|
4,310,000
|
53,991
|
6,116,537,772
|
54
|
6,153,386
|
30-34
|
46.5
|
6.2
|
48.0
|
56
|
6,710,000
|
77,866
|
9,016,462,077
|
120
|
13,969,077
|
35-39
|
46.8
|
4.8
|
48.2
|
95
|
11,508,333
|
79,841
|
9,358,457,157
|
203
|
23,886,494
|
40-44
|
47.6
|
3.8
|
47.6
|
154
|
18,114,000
|
69,653
|
8,211,297,328
|
323
|
38,091,431
|
45-49
|
42.8
|
3.4
|
43.4
|
160
|
18,957,085
|
44,835
|
5,235,020,998
|
375
|
43,695,217
|
50-54
|
53.0
|
3.9
|
54.0
|
182
|
21,761,705
|
23,735
|
2,785,517,561
|
344
|
40,303,230
|
55-59
|
42.5
|
4.7
|
41.6
|
83
|
9,348,367
|
8,676
|
997,039,819
|
196
|
22,454,391
|
60-64
|
43.1
|
8.6
|
43.9
|
25
|
2,925,000
|
1,778
|
203,980,439
|
58
|
6,669,877
|
65+
|
44.1
|
19.7
|
39.1
|
5
|
500,000
|
272
|
30,764,097
|
11
|
1,279,808
|
Total
|
47.8
|
1.7
|
48.2
|
813
|
95,484,490
|
382,711
|
44,436,847,040
|
1,700
|
198,257,203
|
By Attained Age
|
20-24
|
33.9
|
24.0
|
37.5
|
2
|
250,000
|
9,683
|
1,094,176,980
|
6
|
666,777
|
25-29
|
80.7
|
16.8
|
76.6
|
23
|
2,460,000
|
35,812
|
4,033,465,797
|
29
|
3,212,801
|
30-34
|
57.6
|
8.9
|
57.9
|
42
|
4,835,000
|
62,392
|
7,137,996,234
|
73
|
8,351,949
|
35-39
|
47.0
|
5.9
|
46.7
|
63
|
7,313,333
|
76,483
|
8,892,242,674
|
135
|
15,653,915
|
40-44
|
51.4
|
4.8
|
51.5
|
113
|
13,347,000
|
74,034
|
8,713,248,567
|
220
|
25,936,657
|
45-49
|
37.8
|
3.5
|
38.8
|
119
|
14,392,000
|
58,864
|
6,923,085,328
|
316
|
37,116,253
|
50-54
|
48.7
|
3.7
|
49.0
|
174
|
20,489,585
|
37,227
|
4,365,321,957
|
356
|
41,775,874
|
55-59
|
46.9
|
3.9
|
48.0
|
147
|
17,593,905
|
19,082
|
2,227,099,336
|
314
|
36,655,461
|
60-64
|
52.9
|
5.4
|
52.9
|
96
|
11,052,667
|
7,221
|
831,886,606
|
182
|
20,904,871
|
65+
|
47.2
|
8.2
|
47.0
|
33
|
3,751,000
|
1,912
|
218,323,560
|
70
|
7,982,646
|
Total
|
47.8
|
1.7
|
48.2
|
813
|
95,484,490
|
382,711
|
44,436,847,040
|
1,700
|
198,257,203
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.32
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.7
|
7.7
|
23.0
|
11
|
3,787,500
|
12,588
|
4,723,391,889
|
43
|
16,476,717
|
2
|
47.4
|
10.3
|
47.1
|
21
|
7,901,667
|
11,453
|
4,246,623,420
|
44
|
16,782,209
|
3
|
60.7
|
11.6
|
66.6
|
27
|
11,223,349
|
10,251
|
3,791,810,097
|
45
|
16,845,991
|
4
|
62.3
|
12.0
|
63.7
|
27
|
10,275,000
|
8,863
|
3,240,373,251
|
43
|
16,124,650
|
5
|
49.1
|
11.0
|
45.1
|
20
|
6,775,000
|
7,464
|
2,711,449,332
|
41
|
15,026,808
|
6
|
53.2
|
11.9
|
56.0
|
20
|
7,830,000
|
6,220
|
2,260,329,536
|
38
|
13,973,076
|
7+
|
68.1
|
8.1
|
62.1
|
71
|
23,860,000
|
13,427
|
4,858,409,664
|
104
|
38,403,930
|
Total
|
55.1
|
3.9
|
53.6
|
197
|
71,652,516
|
70,265
|
25,832,387,189
|
358
|
133,633,381
|
By Issue Age
|
20-24
|
78.0
|
78.0
|
63.6
|
1
|
250,000
|
1,834
|
560,643,803
|
1
|
392,967
|
25-29
|
73.4
|
36.7
|
66.4
|
4
|
1,200,000
|
5,310
|
1,762,680,282
|
5
|
1,806,415
|
30-34
|
71.3
|
19.0
|
73.8
|
14
|
5,210,000
|
12,492
|
4,471,989,150
|
20
|
7,060,241
|
35-39
|
54.9
|
11.2
|
64.3
|
24
|
10,315,000
|
17,154
|
6,305,823,428
|
44
|
16,037,091
|
40-44
|
61.3
|
9.1
|
51.2
|
45
|
14,265,849
|
15,994
|
6,100,826,445
|
74
|
27,850,192
|
45-49
|
38.6
|
6.9
|
37.6
|
31
|
11,686,667
|
9,916
|
3,817,130,892
|
81
|
31,122,117
|
50-54
|
49.6
|
8.4
|
50.0
|
35
|
13,225,000
|
5,021
|
1,883,293,852
|
71
|
26,436,181
|
55-59
|
80.0
|
13.7
|
80.3
|
34
|
12,350,000
|
1,929
|
701,813,997
|
42
|
15,384,660
|
60-64
|
44.8
|
15.8
|
43.5
|
8
|
2,900,000
|
554
|
207,343,662
|
18
|
6,666,947
|
65+
|
38.0
|
38.0
|
28.5
|
1
|
250,000
|
62
|
20,841,678
|
3
|
876,571
|
Total
|
55.1
|
3.9
|
53.6
|
197
|
71,652,516
|
70,265
|
25,832,387,189
|
358
|
133,633,381
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
873
|
266,225,041
|
1
|
162,405
|
25-29
|
75.4
|
53.3
|
75.1
|
2
|
650,000
|
3,274
|
1,064,883,383
|
3
|
865,318
|
30-34
|
93.2
|
31.1
|
75.0
|
9
|
2,550,000
|
8,056
|
2,825,458,269
|
10
|
3,399,553
|
35-39
|
43.5
|
13.1
|
48.3
|
11
|
4,465,000
|
14,205
|
5,161,191,938
|
25
|
9,235,303
|
40-44
|
47.1
|
9.8
|
49.2
|
23
|
9,125,849
|
16,373
|
6,166,618,898
|
49
|
18,550,100
|
45-49
|
55.1
|
8.7
|
52.1
|
40
|
14,290,000
|
13,458
|
5,086,288,273
|
73
|
27,440,175
|
50-54
|
50.5
|
8.1
|
45.3
|
39
|
13,271,667
|
8,069
|
3,044,866,402
|
78
|
29,289,987
|
55-59
|
52.7
|
8.9
|
51.3
|
35
|
12,800,000
|
4,034
|
1,512,617,362
|
67
|
24,936,734
|
60-64
|
85.9
|
15.2
|
94.2
|
32
|
12,850,000
|
1,469
|
539,078,993
|
37
|
13,637,881
|
65+
|
35.5
|
14.5
|
27.0
|
6
|
1,650,000
|
455
|
165,158,632
|
17
|
6,115,925
|
Total
|
55.1
|
3.9
|
53.6
|
197
|
71,652,516
|
70,265
|
25,832,387,189
|
358
|
133,633,381
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.33
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.9
|
3.2
|
19.3
|
34
|
804,461
|
44,161
|
1,030,654,247
|
182
|
4,165,047
|
2
|
44.6
|
5.0
|
47.0
|
79
|
1,917,269
|
38,902
|
911,852,802
|
177
|
4,080,480
|
3
|
51.5
|
5.5
|
52.6
|
88
|
2,089,429
|
33,789
|
794,911,875
|
172
|
3,968,623
|
4
|
49.3
|
5.5
|
49.0
|
79
|
1,828,774
|
28,507
|
674,991,799
|
160
|
3,734,530
|
5
|
46.0
|
5.6
|
47.6
|
68
|
1,657,492
|
23,995
|
573,475,120
|
148
|
3,481,094
|
6
|
61.6
|
6.8
|
65.6
|
81
|
2,045,536
|
19,580
|
470,584,548
|
131
|
3,119,661
|
7+
|
52.1
|
4.1
|
51.7
|
159
|
3,842,659
|
37,489
|
915,080,150
|
305
|
7,426,058
|
Total
|
46.2
|
1.9
|
47.3
|
589
|
14,185,620
|
226,423
|
5,371,550,541
|
1,276
|
29,975,493
|
By Issue Age
|
20-24
|
54.4
|
20.5
|
58.6
|
7
|
160,000
|
15,094
|
319,220,789
|
13
|
273,244
|
25-29
|
57.1
|
13.1
|
51.8
|
19
|
390,000
|
26,246
|
595,095,707
|
33
|
753,341
|
30-34
|
62.1
|
10.5
|
71.2
|
35
|
953,200
|
28,975
|
686,453,270
|
56
|
1,338,411
|
35-39
|
43.0
|
6.7
|
45.2
|
41
|
1,063,750
|
31,412
|
771,850,569
|
95
|
2,354,370
|
40-44
|
56.0
|
5.7
|
59.3
|
96
|
2,545,970
|
36,735
|
916,668,899
|
172
|
4,292,946
|
45-49
|
43.7
|
4.1
|
42.6
|
114
|
2,791,396
|
37,254
|
929,421,255
|
261
|
6,555,002
|
50-54
|
46.0
|
4.0
|
45.8
|
132
|
3,164,299
|
28,397
|
680,576,371
|
287
|
6,907,378
|
55-59
|
43.4
|
4.4
|
43.4
|
97
|
2,121,411
|
15,855
|
345,301,365
|
224
|
4,892,686
|
60+
|
35.4
|
5.2
|
38.2
|
47
|
995,594
|
6,455
|
126,962,316
|
133
|
2,608,115
|
Total
|
46.2
|
1.9
|
47.3
|
589
|
14,185,620
|
226,423
|
5,371,550,541
|
1,276
|
29,975,493
|
By Attained Age
|
20-24
|
62.3
|
36.0
|
74.7
|
3
|
75,000
|
7,005
|
145,632,762
|
5
|
100,446
|
25-29
|
57.0
|
16.4
|
51.1
|
12
|
240,000
|
20,945
|
466,194,471
|
21
|
469,617
|
30-34
|
38.7
|
9.7
|
39.1
|
16
|
375,000
|
27,081
|
627,918,276
|
41
|
959,774
|
35-39
|
48.7
|
8.5
|
56.0
|
33
|
912,200
|
29,155
|
697,932,625
|
68
|
1,628,958
|
40-44
|
59.1
|
7.1
|
59.9
|
69
|
1,732,019
|
32,730
|
808,934,959
|
117
|
2,890,947
|
45-49
|
44.4
|
4.7
|
47.3
|
88
|
2,324,865
|
36,452
|
904,216,943
|
198
|
4,920,005
|
50-54
|
48.2
|
4.3
|
48.5
|
127
|
3,140,891
|
33,087
|
812,882,036
|
264
|
6,481,601
|
55-59
|
45.5
|
4.1
|
44.1
|
122
|
2,772,920
|
23,513
|
553,005,833
|
269
|
6,291,033
|
60-64
|
40.7
|
4.7
|
40.0
|
76
|
1,637,017
|
11,830
|
260,247,218
|
187
|
4,097,279
|
65+
|
39.9
|
6.2
|
45.7
|
42
|
975,708
|
4,624
|
94,585,420
|
105
|
2,135,832
|
Total
|
46.2
|
1.9
|
47.3
|
589
|
14,185,620
|
226,423
|
5,371,550,541
|
1,276
|
29,975,493
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.34
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.2
|
4.2
|
32.3
|
59
|
3,157,500
|
57,370
|
3,072,828,231
|
184
|
9,781,571
|
2
|
46.9
|
5.1
|
48.1
|
84
|
4,591,254
|
50,054
|
2,692,955,993
|
179
|
9,550,223
|
3
|
48.9
|
5.3
|
48.3
|
85
|
4,501,624
|
43,593
|
2,354,337,363
|
174
|
9,329,670
|
4
|
59.5
|
6.0
|
60.0
|
98
|
5,298,888
|
36,939
|
2,000,520,047
|
165
|
8,833,704
|
5
|
52.6
|
5.8
|
52.8
|
81
|
4,384,527
|
31,381
|
1,704,213,998
|
155
|
8,306,578
|
6
|
43.8
|
5.6
|
44.2
|
61
|
3,320,500
|
25,804
|
1,402,772,906
|
140
|
7,518,617
|
7+
|
57.0
|
3.8
|
57.7
|
224
|
12,202,461
|
58,623
|
3,186,528,110
|
393
|
21,135,201
|
Total
|
49.9
|
1.9
|
50.3
|
693
|
37,456,754
|
303,765
|
16,414,156,648
|
1,390
|
74,455,564
|
By Issue Age
|
20-24
|
57.3
|
20.2
|
60.9
|
8
|
462,500
|
16,224
|
882,548,483
|
14
|
759,198
|
25-29
|
53.7
|
10.3
|
56.1
|
27
|
1,541,527
|
39,394
|
2,148,463,882
|
50
|
2,747,689
|
30-34
|
62.3
|
8.0
|
62.3
|
61
|
3,338,834
|
49,487
|
2,700,452,175
|
98
|
5,358,018
|
35-39
|
59.7
|
5.8
|
60.7
|
105
|
5,871,824
|
56,807
|
3,107,893,863
|
177
|
9,679,425
|
40-44
|
58.3
|
4.6
|
58.4
|
161
|
8,709,266
|
58,286
|
3,139,668,223
|
277
|
14,911,941
|
45-49
|
50.4
|
3.9
|
51.1
|
164
|
8,884,803
|
45,728
|
2,441,801,154
|
326
|
17,392,336
|
50-54
|
35.2
|
3.7
|
34.0
|
93
|
4,725,000
|
25,981
|
1,368,957,430
|
264
|
13,911,534
|
55-59
|
40.3
|
5.5
|
41.2
|
53
|
2,863,000
|
9,274
|
487,720,105
|
132
|
6,940,806
|
60+
|
38.4
|
8.6
|
38.5
|
20
|
1,060,000
|
2,584
|
136,651,334
|
52
|
2,754,616
|
Total
|
49.9
|
1.9
|
50.3
|
693
|
37,456,754
|
303,765
|
16,414,156,648
|
1,390
|
74,455,564
|
By Attained Age
|
20-24
|
59.8
|
34.5
|
55.0
|
3
|
150,000
|
7,224
|
393,333,972
|
5
|
272,621
|
25-29
|
59.9
|
14.5
|
66.9
|
17
|
1,029,027
|
28,078
|
1,523,568,629
|
28
|
1,537,756
|
30-34
|
57.6
|
9.3
|
56.5
|
38
|
2,025,000
|
43,082
|
2,341,921,344
|
66
|
3,587,109
|
35-39
|
49.6
|
6.6
|
51.5
|
57
|
3,235,023
|
49,423
|
2,697,784,092
|
115
|
6,280,149
|
40-44
|
58.7
|
5.5
|
58.5
|
114
|
6,217,317
|
54,909
|
2,991,858,099
|
195
|
10,619,015
|
45-49
|
58.5
|
4.5
|
59.1
|
165
|
9,001,771
|
52,484
|
2,829,133,176
|
283
|
15,220,194
|
50-54
|
48.8
|
4.0
|
48.7
|
147
|
7,823,116
|
38,222
|
2,035,847,243
|
302
|
16,052,244
|
55-59
|
35.4
|
3.9
|
34.8
|
81
|
4,212,500
|
20,479
|
1,082,059,824
|
230
|
12,119,930
|
60-64
|
40.6
|
5.9
|
41.8
|
48
|
2,603,000
|
7,657
|
402,502,740
|
118
|
6,223,082
|
65+
|
45.5
|
9.7
|
45.6
|
22
|
1,160,000
|
2,206
|
116,147,528
|
48
|
2,543,463
|
Total
|
49.9
|
1.9
|
50.3
|
693
|
37,456,754
|
303,765
|
16,414,156,648
|
1,390
|
74,455,564
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.35
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.6
|
4.0
|
26.5
|
48
|
5,197,500
|
64,882
|
7,281,816,397
|
174
|
19,605,290
|
2
|
58.0
|
5.7
|
56.6
|
102
|
11,229,742
|
59,344
|
6,678,989,815
|
176
|
19,855,144
|
3
|
67.9
|
6.2
|
69.1
|
119
|
13,688,500
|
53,727
|
6,053,939,700
|
176
|
19,816,497
|
4
|
62.4
|
6.1
|
63.5
|
105
|
12,025,000
|
46,503
|
5,241,055,261
|
168
|
18,928,714
|
5
|
64.0
|
6.4
|
66.7
|
101
|
11,850,000
|
39,833
|
4,492,756,418
|
158
|
17,768,759
|
6
|
69.9
|
7.0
|
67.3
|
100
|
10,862,750
|
32,904
|
3,715,662,247
|
143
|
16,150,820
|
7+
|
63.2
|
4.1
|
62.6
|
234
|
26,146,507
|
68,453
|
7,739,437,568
|
371
|
41,791,945
|
Total
|
59.3
|
2.1
|
59.1
|
810
|
90,999,999
|
365,646
|
41,203,657,405
|
1,366
|
153,917,169
|
By Issue Age
|
20-24
|
66.3
|
17.7
|
60.4
|
14
|
1,417,500
|
24,400
|
2,710,282,186
|
21
|
2,346,890
|
25-29
|
47.7
|
7.7
|
46.0
|
38
|
4,100,000
|
60,984
|
6,809,716,777
|
80
|
8,909,978
|
30-34
|
59.0
|
6.2
|
59.6
|
92
|
10,516,742
|
77,371
|
8,737,514,338
|
156
|
17,650,167
|
35-39
|
69.4
|
5.4
|
71.8
|
163
|
19,102,052
|
75,793
|
8,590,963,858
|
235
|
26,619,850
|
40-44
|
66.1
|
4.8
|
66.6
|
192
|
22,060,750
|
61,378
|
6,986,764,358
|
291
|
33,106,534
|
45-49
|
56.4
|
4.5
|
56.3
|
157
|
17,650,500
|
39,426
|
4,438,287,717
|
279
|
31,346,150
|
50-54
|
48.8
|
5.0
|
45.9
|
93
|
9,845,000
|
18,777
|
2,104,747,478
|
192
|
21,467,250
|
55-59
|
53.6
|
7.7
|
50.8
|
48
|
5,032,455
|
6,302
|
696,331,659
|
90
|
9,914,136
|
60-64
|
49.2
|
15.6
|
49.5
|
10
|
1,075,000
|
1,058
|
113,068,930
|
20
|
2,169,871
|
65+
|
52.7
|
37.3
|
51.8
|
2
|
200,000
|
157
|
15,980,104
|
4
|
386,343
|
Total
|
59.3
|
2.1
|
59.1
|
810
|
90,999,999
|
365,646
|
41,203,657,405
|
1,366
|
153,917,169
|
By Attained Age
|
20-24
|
67.8
|
30.3
|
60.0
|
5
|
492,500
|
10,642
|
1,184,888,945
|
7
|
820,622
|
25-29
|
55.6
|
11.6
|
51.6
|
23
|
2,375,000
|
40,877
|
4,542,735,672
|
41
|
4,601,983
|
30-34
|
47.5
|
6.9
|
45.6
|
48
|
5,159,742
|
65,746
|
7,369,491,762
|
101
|
11,326,273
|
35-39
|
60.0
|
5.9
|
62.3
|
104
|
12,250,000
|
74,668
|
8,455,402,992
|
174
|
19,662,498
|
40-44
|
62.6
|
5.1
|
65.6
|
151
|
18,004,052
|
68,296
|
7,765,075,527
|
241
|
27,433,753
|
45-49
|
72.0
|
5.1
|
71.0
|
202
|
22,646,250
|
52,352
|
5,942,357,887
|
281
|
31,886,281
|
50-54
|
53.9
|
4.6
|
52.5
|
136
|
14,890,000
|
31,974
|
3,602,322,719
|
252
|
28,365,483
|
55-59
|
49.3
|
5.4
|
47.7
|
83
|
8,940,000
|
14,999
|
1,668,835,403
|
168
|
18,724,715
|
60-64
|
61.9
|
9.0
|
59.3
|
47
|
4,992,455
|
4,923
|
545,460,628
|
76
|
8,417,648
|
65+
|
44.6
|
13.4
|
46.7
|
11
|
1,250,000
|
1,167
|
127,085,870
|
25
|
2,677,911
|
Total
|
59.3
|
2.1
|
59.1
|
810
|
90,999,999
|
365,646
|
41,203,657,405
|
1,366
|
153,917,169
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 3.36
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
58.9
|
17.8
|
43.4
|
11
|
2,750,000
|
6,178
|
2,047,517,715
|
19
|
6,331,608
|
2
|
33.4
|
13.6
|
37.4
|
6
|
2,260,000
|
5,459
|
1,791,998,050
|
18
|
6,036,704
|
3
|
46.0
|
16.3
|
62.0
|
8
|
3,560,000
|
4,768
|
1,555,974,470
|
17
|
5,745,786
|
4
|
79.9
|
22.2
|
91.3
|
13
|
4,850,000
|
4,060
|
1,318,047,048
|
16
|
5,313,507
|
5
|
94.2
|
25.2
|
80.3
|
14
|
3,875,000
|
3,404
|
1,100,384,410
|
15
|
4,827,150
|
6
|
106.9
|
28.6
|
141.1
|
14
|
5,980,000
|
2,750
|
885,490,209
|
13
|
4,236,972
|
7+
|
58.6
|
13.4
|
53.7
|
19
|
5,560,000
|
5,637
|
1,793,213,070
|
33
|
10,347,909
|
Total
|
65.0
|
7.0
|
67.3
|
85
|
28,835,000
|
32,255
|
10,492,624,971
|
131
|
42,839,637
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,179
|
339,970,250
|
1
|
281,581
|
25-29
|
84.9
|
42.2
|
151.0
|
4
|
2,260,000
|
3,626
|
1,138,681,270
|
5
|
1,496,908
|
30-34
|
60.4
|
21.3
|
53.2
|
8
|
2,250,000
|
6,570
|
2,103,627,496
|
13
|
4,229,584
|
35-39
|
50.2
|
14.5
|
49.6
|
12
|
3,925,000
|
7,797
|
2,585,226,555
|
24
|
7,914,982
|
40-44
|
71.0
|
15.1
|
62.6
|
22
|
6,440,000
|
6,560
|
2,187,528,350
|
31
|
10,281,225
|
45-49
|
47.1
|
13.1
|
57.2
|
13
|
5,050,000
|
3,947
|
1,272,866,266
|
28
|
8,828,765
|
50-54
|
89.5
|
22.4
|
86.2
|
16
|
5,210,000
|
1,805
|
611,264,648
|
18
|
6,045,695
|
55-59
|
102.6
|
32.5
|
118.3
|
10
|
3,700,000
|
682
|
220,245,027
|
10
|
3,128,425
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
90
|
33,215,110
|
2
|
632,472
|
Total
|
65.0
|
7.0
|
67.3
|
85
|
28,835,000
|
32,255
|
10,492,624,971
|
131
|
42,839,637
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
606
|
174,780,562
|
0
|
119,904
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,246
|
686,379,780
|
2
|
703,019
|
30-34
|
67.3
|
30.0
|
104.5
|
5
|
2,510,000
|
4,823
|
1,545,827,862
|
7
|
2,403,042
|
35-39
|
73.5
|
21.2
|
58.6
|
12
|
3,125,000
|
6,952
|
2,266,718,015
|
16
|
5,334,048
|
40-44
|
44.0
|
13.2
|
46.5
|
11
|
3,910,000
|
7,063
|
2,368,490,579
|
25
|
8,416,110
|
45-49
|
68.8
|
15.4
|
75.8
|
20
|
7,230,000
|
5,396
|
1,770,162,537
|
29
|
9,535,079
|
50-54
|
54.6
|
14.6
|
47.1
|
14
|
3,910,000
|
3,245
|
1,053,146,762
|
26
|
8,308,035
|
55-59
|
104.5
|
26.1
|
124.0
|
16
|
6,200,000
|
1,359
|
442,968,054
|
15
|
5,000,806
|
60+
|
75.4
|
28.5
|
64.6
|
7
|
1,950,000
|
565
|
184,150,822
|
9
|
3,019,595
|
Total
|
65.0
|
7.0
|
67.3
|
85
|
28,835,000
|
32,255
|
10,492,624,971
|
131
|
42,839,637
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.1
TOTAL EXPERIENCE BY ILLNESS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
65.2
|
1.1
|
69.7
|
3,514
|
299,504,026
|
1,988,861
|
173,837,017,856
|
5,392
|
429,804,057
|
Cardio
|
37.9
|
1.2
|
35.1
|
1,030
|
83,181,259
|
1,988,861
|
173,837,017,856
|
2,719
|
237,218,568
|
Organ
|
9.1
|
1.7
|
7.2
|
29
|
2,039,477
|
1,955,135
|
171,481,260,933
|
319
|
28,212,549
|
Neuro
|
28.8
|
2.0
|
41.6
|
216
|
25,276,632
|
1,954,990
|
171,470,625,455
|
749
|
60,763,469
|
Accident/Infectious
|
45.7
|
6.4
|
59.0
|
51
|
5,710,000
|
1,959,242
|
171,752,266,562
|
112
|
9,680,677
|
LOIE
|
8.2
|
5.8
|
33.3
|
2
|
700,000
|
435,511
|
37,187,381,558
|
24
|
2,099,546
|
Non-LT
|
42.2
|
8.7
|
47.9
|
24
|
2,429,500
|
1,071,021
|
19,194,161,140
|
56
|
5,075,761
|
Total
|
51.9
|
0.7
|
54.2
|
4,866
|
418,840,894
|
11,353,620
|
918,759,731,360
|
9,372
|
772,854,626
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.2
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
64.2
|
1.7
|
68.7
|
1,436
|
141,814,759
|
968,149
|
95,346,821,705
|
2,238
|
206,554,999
|
Cardio
|
40.7
|
1.4
|
37.2
|
814
|
70,138,292
|
968,149
|
95,346,821,705
|
1,998
|
188,529,781
|
Organ
|
12.2
|
2.5
|
8.4
|
24
|
1,609,477
|
950,271
|
93,979,624,170
|
196
|
19,188,932
|
Neuro
|
31.7
|
3.2
|
48.9
|
100
|
14,532,799
|
950,211
|
93,974,950,152
|
315
|
29,716,245
|
Accident/Infectious
|
41.9
|
8.2
|
58.5
|
26
|
3,525,000
|
952,505
|
94,132,347,575
|
62
|
6,029,186
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
207,435
|
20,714,416,832
|
12
|
1,247,278
|
Non-LT
|
55.6
|
12.8
|
62.1
|
19
|
2,107,600
|
527,493
|
10,502,358,254
|
34
|
3,395,378
|
Total
|
49.8
|
1.0
|
51.4
|
2,419
|
233,727,927
|
5,524,213
|
503,997,340,393
|
4,856
|
454,661,799
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.3
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
65.9
|
1.4
|
70.6
|
2,078
|
157,689,267
|
1,020,712
|
78,490,196,151
|
3,154
|
223,249,057
|
Cardio
|
30.0
|
2.0
|
26.8
|
216
|
13,042,967
|
1,020,712
|
78,490,196,151
|
721
|
48,688,786
|
Organ
|
4.1
|
1.8
|
4.8
|
5
|
430,000
|
1,004,864
|
77,501,636,764
|
123
|
9,023,617
|
Neuro
|
26.7
|
2.5
|
34.6
|
116
|
10,743,833
|
1,004,778
|
77,495,675,303
|
434
|
31,047,224
|
Accident/Infectious
|
50.4
|
10.1
|
59.8
|
25
|
2,185,000
|
1,006,737
|
77,619,918,987
|
50
|
3,651,491
|
LOIE
|
16.3
|
11.6
|
82.1
|
2
|
700,000
|
228,076
|
16,472,964,726
|
12
|
852,269
|
Non-LT
|
21.0
|
9.8
|
19.2
|
5
|
321,900
|
543,528
|
8,691,802,886
|
22
|
1,680,382
|
Total
|
54.2
|
1.1
|
58.2
|
2,447
|
185,112,967
|
5,829,407
|
414,762,390,967
|
4,515
|
318,192,827
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.4
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
83.1
|
4.4
|
86.5
|
362
|
20,690,120
|
208,154
|
13,088,542,105
|
436
|
23,927,696
|
Cardio
|
88.2
|
6.3
|
88.4
|
194
|
11,656,278
|
208,154
|
13,088,542,105
|
220
|
13,189,223
|
Organ
|
13.4
|
6.7
|
7.3
|
4
|
135,000
|
203,970
|
12,876,150,924
|
30
|
1,855,184
|
Neuro
|
44.0
|
8.3
|
62.0
|
28
|
2,267,250
|
203,962
|
12,875,830,924
|
64
|
3,658,687
|
Accident/Infectious
|
35.3
|
17.6
|
48.6
|
4
|
350,000
|
204,517
|
12,909,770,324
|
11
|
720,786
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
42,144
|
2,611,578,026
|
2
|
130,091
|
Non-LT
|
27.6
|
27.0
|
20.0
|
1
|
50,250
|
93,978
|
1,120,605,801
|
4
|
250,711
|
Total
|
77.4
|
3.2
|
80.4
|
593
|
35,148,898
|
1,164,879
|
68,571,020,208
|
766
|
43,732,377
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.5
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
74.6
|
6.3
|
78.3
|
140
|
9,367,654
|
115,111
|
8,076,769,733
|
188
|
11,957,476
|
Cardio
|
94.3
|
7.5
|
94.1
|
158
|
10,135,150
|
115,111
|
8,076,769,733
|
167
|
10,768,023
|
Organ
|
15.3
|
8.8
|
6.3
|
3
|
85,000
|
112,734
|
7,951,075,274
|
20
|
1,339,899
|
Neuro
|
62.9
|
14.8
|
81.5
|
18
|
1,547,250
|
112,734
|
7,951,075,274
|
29
|
1,898,886
|
Accident/Infectious
|
55.9
|
28.0
|
69.8
|
4
|
350,000
|
113,090
|
7,972,891,103
|
7
|
501,726
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
23,702
|
1,676,297,082
|
1
|
85,653
|
Non-LT
|
30.6
|
35.4
|
21.8
|
1
|
38,250
|
53,599
|
690,320,973
|
2
|
175,749
|
Total
|
78.2
|
4.3
|
80.5
|
324
|
21,523,304
|
646,081
|
42,395,199,172
|
414
|
26,727,413
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.6
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
89.5
|
6.0
|
94.6
|
222
|
11,322,466
|
93,043
|
5,011,772,372
|
248
|
11,970,220
|
Cardio
|
68.6
|
11.4
|
62.8
|
36
|
1,521,128
|
93,043
|
5,011,772,372
|
52
|
2,421,200
|
Organ
|
9.9
|
9.9
|
9.7
|
1
|
50,000
|
91,236
|
4,925,075,650
|
10
|
515,285
|
Neuro
|
28.5
|
9.0
|
40.9
|
10
|
720,000
|
91,228
|
4,924,755,650
|
35
|
1,759,800
|
Accident/Infectious
|
0.0
|
0.0
|
0.0
|
0
|
0
|
91,426
|
4,936,879,221
|
4
|
219,059
|
LOIE & Non-LT
|
13.1
|
23.9
|
10.1
|
0
|
12,000
|
58,821
|
1,365,565,772
|
2
|
119,400
|
Total
|
76.5
|
4.7
|
80.1
|
269
|
13,625,594
|
518,799
|
26,175,821,037
|
352
|
17,004,964
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.7
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
63.6
|
1.1
|
68.7
|
3,152
|
278,813,906
|
1,780,706
|
160,748,475,751
|
4,957
|
405,876,361
|
Cardio
|
33.5
|
1.2
|
31.9
|
836
|
71,524,981
|
1,780,706
|
160,748,475,751
|
2,499
|
224,029,344
|
Organ
|
8.6
|
1.7
|
7.2
|
25
|
1,904,477
|
1,751,165
|
158,605,110,009
|
289
|
26,357,365
|
Neuro
|
27.4
|
2.0
|
40.3
|
188
|
23,009,382
|
1,751,028
|
158,594,794,531
|
686
|
57,104,782
|
Accident/Infectious
|
46.9
|
6.8
|
59.8
|
47
|
5,360,000
|
1,754,725
|
158,842,496,238
|
100
|
8,959,891
|
LOIE
|
9.0
|
6.4
|
35.5
|
2
|
700,000
|
393,367
|
34,575,803,532
|
22
|
1,969,455
|
Non-LT
|
43.2
|
9.1
|
49.3
|
23
|
2,379,250
|
977,043
|
18,073,555,340
|
52
|
4,825,050
|
Total
|
49.6
|
0.8
|
52.6
|
4,273
|
383,691,996
|
10,188,741
|
850,188,711,152
|
8,605
|
729,122,249
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.8
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
63.2
|
1.8
|
68.1
|
1,296
|
132,447,105
|
853,038
|
87,270,051,972
|
2,051
|
194,597,523
|
Cardio
|
35.8
|
1.4
|
33.8
|
656
|
60,003,142
|
853,038
|
87,270,051,972
|
1,831
|
177,761,758
|
Organ
|
11.9
|
2.6
|
8.5
|
21
|
1,524,477
|
837,537
|
86,028,548,896
|
177
|
17,849,033
|
Neuro
|
28.6
|
3.2
|
46.7
|
82
|
12,985,549
|
837,478
|
86,023,874,878
|
286
|
27,817,359
|
Accident/Infectious
|
40.1
|
8.5
|
57.4
|
22
|
3,175,000
|
839,415
|
86,159,456,472
|
55
|
5,527,460
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
183,733
|
19,038,119,750
|
11
|
1,161,625
|
Non-LT
|
57.6
|
13.5
|
64.3
|
18
|
2,069,350
|
473,894
|
9,812,037,281
|
32
|
3,219,629
|
Total
|
47.2
|
1.0
|
49.6
|
2,095
|
212,204,623
|
4,878,133
|
461,602,141,221
|
4,442
|
427,934,387
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 4.9
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
63.9
|
1.5
|
69.3
|
1,856
|
146,366,801
|
927,668
|
73,478,423,779
|
2,906
|
211,278,838
|
Cardio
|
26.9
|
2.0
|
24.9
|
180
|
11,521,839
|
927,668
|
73,478,423,779
|
668
|
46,267,586
|
Organ
|
3.6
|
1.8
|
4.5
|
4
|
380,000
|
913,628
|
72,576,561,114
|
113
|
8,508,332
|
Neuro
|
26.5
|
2.6
|
34.2
|
106
|
10,023,833
|
913,550
|
72,570,919,653
|
399
|
29,287,423
|
Accident/Infectious
|
55.1
|
11.0
|
63.7
|
25
|
2,185,000
|
915,310
|
72,683,039,766
|
45
|
3,432,432
|
LOIE
|
17.7
|
12.5
|
86.7
|
2
|
700,000
|
209,635
|
15,537,683,782
|
11
|
807,831
|
Non-LT
|
20.9
|
10.1
|
19.3
|
4
|
309,900
|
503,149
|
8,261,518,059
|
20
|
1,605,421
|
Total
|
52.3
|
1.1
|
56.9
|
2,177
|
171,487,373
|
5,310,608
|
388,586,569,931
|
4,163
|
301,187,863
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.1
HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
37.4
|
4.7
|
39.2
|
64
|
5,823,500
|
368,565
|
31,612,462,367
|
171
|
14,841,545
|
2
|
31.1
|
4.2
|
26.1
|
55
|
4,021,250
|
328,532
|
28,435,062,572
|
177
|
15,427,501
|
3
|
39.9
|
4.7
|
40.2
|
72
|
6,356,302
|
291,156
|
25,412,756,541
|
181
|
15,828,171
|
4
|
44.8
|
5.0
|
40.0
|
79
|
6,199,303
|
248,913
|
21,826,552,438
|
176
|
15,497,432
|
5
|
41.5
|
5.0
|
37.4
|
70
|
5,542,247
|
211,397
|
18,560,295,611
|
169
|
14,833,403
|
6
|
50.9
|
5.7
|
45.7
|
79
|
6,290,771
|
173,422
|
15,304,577,068
|
155
|
13,766,074
|
7+
|
44.0
|
3.2
|
38.5
|
190
|
14,987,418
|
366,874
|
32,685,311,259
|
432
|
38,935,512
|
Total
|
41.7
|
1.7
|
38.1
|
609
|
49,220,791
|
1,988,861
|
173,837,017,856
|
1,461
|
129,129,638
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.2
MALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
42.9
|
5.7
|
42.0
|
56
|
5,113,500
|
177,245
|
17,166,856,692
|
131
|
12,177,909
|
2
|
35.6
|
5.1
|
29.8
|
48
|
3,776,250
|
158,803
|
15,498,019,400
|
135
|
12,652,493
|
3
|
44.4
|
5.7
|
44.4
|
61
|
5,752,302
|
141,413
|
13,909,716,574
|
137
|
12,964,727
|
4
|
50.7
|
6.2
|
44.8
|
68
|
5,668,000
|
121,383
|
11,971,107,699
|
134
|
12,661,879
|
5
|
45.4
|
6.0
|
39.6
|
58
|
4,785,720
|
103,204
|
10,175,632,924
|
128
|
12,078,210
|
6
|
56.4
|
6.9
|
48.0
|
66
|
5,371,643
|
84,727
|
8,419,092,793
|
117
|
11,183,393
|
7+
|
49.9
|
3.9
|
41.9
|
162
|
13,205,652
|
181,374
|
18,206,395,623
|
325
|
31,482,535
|
Total
|
46.9
|
2.1
|
41.5
|
519
|
43,673,067
|
968,149
|
95,346,821,705
|
1,106
|
105,201,146
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.3
FEMALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.6
|
6.9
|
26.7
|
8
|
710,000
|
191,320
|
14,445,605,675
|
41
|
2,663,635
|
2
|
16.6
|
6.3
|
8.8
|
7
|
245,000
|
169,729
|
12,937,043,172
|
42
|
2,775,008
|
3
|
25.5
|
7.7
|
21.1
|
11
|
604,000
|
149,743
|
11,503,039,966
|
43
|
2,863,444
|
4
|
26.0
|
7.8
|
18.7
|
11
|
531,303
|
127,530
|
9,855,444,739
|
42
|
2,835,552
|
5
|
29.3
|
8.5
|
27.5
|
12
|
756,527
|
108,193
|
8,384,662,687
|
41
|
2,755,193
|
6
|
34.1
|
9.5
|
35.6
|
13
|
919,128
|
88,695
|
6,885,484,275
|
38
|
2,582,681
|
7+
|
26.1
|
4.9
|
23.9
|
28
|
1,781,766
|
185,500
|
14,478,915,636
|
107
|
7,452,977
|
Total
|
25.4
|
2.7
|
23.2
|
90
|
5,547,724
|
1,020,712
|
78,490,196,151
|
355
|
23,928,491
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.4
HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
103.5
|
25.1
|
112.2
|
17
|
1,067,500
|
43,468
|
2,715,239,095
|
16
|
951,266
|
2
|
74.8
|
21.6
|
60.2
|
12
|
560,000
|
36,475
|
2,266,139,179
|
16
|
929,607
|
3
|
125.8
|
28.1
|
117.3
|
20
|
1,094,065
|
31,232
|
1,944,522,198
|
16
|
932,548
|
4
|
100.6
|
26.0
|
101.5
|
15
|
900,000
|
25,654
|
1,604,464,168
|
15
|
886,825
|
5
|
94.2
|
26.1
|
81.1
|
13
|
670,000
|
21,025
|
1,314,074,285
|
14
|
826,585
|
6
|
137.4
|
33.3
|
117.8
|
17
|
892,628
|
16,764
|
1,057,528,987
|
12
|
757,966
|
7+
|
145.3
|
21.0
|
145.6
|
48
|
3,126,085
|
33,536
|
2,186,574,193
|
33
|
2,147,656
|
Total
|
115.9
|
9.7
|
111.8
|
142
|
8,310,278
|
208,154
|
13,088,542,105
|
122
|
7,432,454
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.5
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
114.9
|
29.7
|
123.2
|
15
|
992,500
|
24,581
|
1,701,195,234
|
13
|
805,667
|
2
|
94.2
|
27.2
|
71.4
|
12
|
560,000
|
20,390
|
1,404,014,138
|
13
|
784,059
|
3
|
158.8
|
35.5
|
139.2
|
20
|
1,094,065
|
17,285
|
1,200,023,933
|
13
|
786,028
|
4
|
119.0
|
31.8
|
118.1
|
14
|
880,000
|
14,096
|
983,258,421
|
12
|
745,358
|
5
|
83.3
|
27.8
|
65.8
|
9
|
455,000
|
11,430
|
800,029,061
|
11
|
691,148
|
6
|
124.2
|
35.8
|
100.6
|
12
|
638,500
|
9,098
|
646,431,491
|
10
|
634,448
|
7+
|
162.9
|
25.1
|
158.9
|
42
|
2,852,085
|
18,231
|
1,341,817,454
|
26
|
1,794,802
|
Total
|
128.6
|
11.6
|
119.7
|
124
|
7,472,150
|
115,111
|
8,076,769,733
|
96
|
6,241,509
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.6
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
59.4
|
42.0
|
51.5
|
2
|
75,000
|
18,887
|
1,014,043,861
|
3
|
145,599
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16,085
|
862,125,041
|
3
|
145,548
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13,947
|
744,498,264
|
3
|
146,520
|
4
|
31.8
|
31.8
|
14.1
|
1
|
20,000
|
11,558
|
621,205,747
|
3
|
141,467
|
5
|
133.5
|
66.8
|
158.7
|
4
|
215,000
|
9,595
|
514,045,225
|
3
|
135,437
|
6
|
184.7
|
82.6
|
205.7
|
5
|
254,128
|
7,666
|
411,097,495
|
3
|
123,518
|
7+
|
82.5
|
33.7
|
77.7
|
6
|
274,000
|
15,305
|
844,756,739
|
7
|
352,855
|
Total
|
69.0
|
16.3
|
70.4
|
18
|
838,128
|
93,043
|
5,011,772,372
|
26
|
1,190,945
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.7
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.3
|
4.4
|
34.2
|
47
|
4,756,000
|
325,098
|
28,897,223,272
|
155
|
13,890,278
|
2
|
26.8
|
4.1
|
23.9
|
43
|
3,461,250
|
292,057
|
26,168,923,392
|
161
|
14,497,894
|
3
|
31.6
|
4.4
|
35.3
|
52
|
5,262,237
|
259,924
|
23,468,234,343
|
165
|
14,895,623
|
4
|
39.6
|
5.0
|
36.3
|
64
|
5,299,303
|
223,259
|
20,222,088,270
|
161
|
14,610,607
|
5
|
36.8
|
4.9
|
34.8
|
57
|
4,872,247
|
190,372
|
17,246,221,326
|
155
|
14,006,818
|
6
|
43.4
|
5.5
|
41.5
|
62
|
5,398,143
|
156,658
|
14,247,048,081
|
143
|
13,008,108
|
7+
|
35.6
|
3.0
|
32.2
|
142
|
11,861,333
|
333,338
|
30,498,737,066
|
399
|
36,787,856
|
Total
|
34.9
|
1.6
|
33.6
|
467
|
40,910,513
|
1,780,706
|
160,748,475,751
|
1,339
|
121,697,183
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.8
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.9
|
5.5
|
36.2
|
41
|
4,121,000
|
152,664
|
15,465,661,458
|
117
|
11,372,242
|
2
|
29.5
|
4.9
|
27.1
|
36
|
3,216,250
|
138,412
|
14,094,005,262
|
122
|
11,868,434
|
3
|
32.8
|
5.1
|
38.2
|
41
|
4,658,237
|
124,128
|
12,709,692,641
|
125
|
12,178,699
|
4
|
44.2
|
6.0
|
40.2
|
54
|
4,788,000
|
107,287
|
10,987,849,277
|
122
|
11,916,522
|
5
|
41.9
|
6.0
|
38.0
|
49
|
4,330,720
|
91,774
|
9,375,603,864
|
117
|
11,387,062
|
6
|
50.3
|
6.8
|
44.9
|
54
|
4,733,143
|
75,629
|
7,772,661,301
|
107
|
10,548,944
|
7+
|
40.1
|
3.7
|
34.9
|
120
|
10,353,567
|
163,143
|
16,864,578,169
|
299
|
29,687,733
|
Total
|
39.1
|
2.0
|
36.6
|
395
|
36,200,917
|
853,038
|
87,270,051,972
|
1,010
|
98,959,637
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 5.9
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.0
|
6.5
|
25.2
|
6
|
635,000
|
172,433
|
13,431,561,814
|
37
|
2,518,036
|
2
|
18.1
|
6.8
|
9.3
|
7
|
245,000
|
153,644
|
12,074,918,131
|
39
|
2,629,460
|
3
|
27.7
|
8.3
|
22.2
|
11
|
604,000
|
135,796
|
10,758,541,702
|
40
|
2,716,923
|
4
|
25.5
|
8.1
|
19.0
|
10
|
511,303
|
115,973
|
9,234,238,993
|
39
|
2,694,085
|
5
|
21.1
|
7.5
|
20.7
|
8
|
541,527
|
98,598
|
7,870,617,462
|
38
|
2,619,756
|
6
|
22.6
|
8.0
|
27.0
|
8
|
665,000
|
81,029
|
6,474,386,780
|
35
|
2,459,163
|
7+
|
22.0
|
4.7
|
21.2
|
22
|
1,507,766
|
170,195
|
13,634,158,897
|
100
|
7,100,123
|
Total
|
21.9
|
2.6
|
20.7
|
72
|
4,709,596
|
927,668
|
73,478,423,779
|
329
|
22,737,546
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.1
LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.6
|
2.2
|
35.1
|
206
|
17,659,361
|
368,565
|
31,612,462,367
|
651
|
50,300,249
|
2
|
64.9
|
3.1
|
71.5
|
425
|
36,550,526
|
328,532
|
28,435,062,572
|
655
|
51,085,673
|
3
|
69.7
|
3.3
|
74.7
|
457
|
38,431,593
|
291,156
|
25,412,756,541
|
655
|
51,467,855
|
4
|
70.0
|
3.3
|
74.6
|
442
|
37,196,006
|
248,913
|
21,826,552,438
|
631
|
49,844,986
|
5
|
70.5
|
3.4
|
76.7
|
422
|
36,395,803
|
211,397
|
18,560,295,611
|
599
|
47,447,923
|
6
|
69.4
|
3.6
|
73.9
|
380
|
32,377,030
|
173,422
|
15,304,577,068
|
548
|
43,837,022
|
7+
|
72.7
|
2.2
|
74.7
|
1,096
|
92,628,761
|
366,874
|
32,685,311,259
|
1,508
|
123,961,794
|
Total
|
65.3
|
1.1
|
69.7
|
3,428
|
291,239,080
|
1,988,861
|
173,837,017,856
|
5,247
|
417,945,504
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.2
MALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.7
|
3.4
|
32.2
|
67
|
7,105,000
|
177,245
|
17,166,856,692
|
242
|
22,076,019
|
2
|
68.6
|
5.2
|
79.1
|
172
|
18,147,059
|
158,803
|
15,498,019,400
|
251
|
22,943,562
|
3
|
66.3
|
5.1
|
73.3
|
171
|
17,324,140
|
141,413
|
13,909,716,574
|
258
|
23,633,481
|
4
|
68.4
|
5.2
|
69.5
|
175
|
16,254,492
|
121,383
|
11,971,107,699
|
256
|
23,383,102
|
5
|
71.2
|
5.4
|
74.8
|
177
|
16,959,597
|
103,204
|
10,175,632,924
|
249
|
22,670,728
|
6
|
59.2
|
5.0
|
62.5
|
138
|
13,414,485
|
84,727
|
8,419,092,793
|
233
|
21,451,697
|
7+
|
71.5
|
3.2
|
75.3
|
496
|
48,905,213
|
181,374
|
18,206,395,623
|
694
|
64,987,335
|
Total
|
64.0
|
1.7
|
68.7
|
1,396
|
138,109,986
|
968,149
|
95,346,821,705
|
2,182
|
201,145,925
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.3
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.0
|
2.9
|
37.4
|
139
|
10,554,361
|
191,320
|
14,445,605,675
|
409
|
28,224,230
|
2
|
62.6
|
3.9
|
65.4
|
253
|
18,403,467
|
169,729
|
12,937,043,172
|
404
|
28,142,111
|
3
|
72.0
|
4.3
|
75.8
|
286
|
21,107,453
|
149,743
|
11,503,039,966
|
397
|
27,834,374
|
4
|
71.1
|
4.4
|
79.1
|
267
|
20,941,514
|
127,530
|
9,855,444,739
|
375
|
26,461,884
|
5
|
69.9
|
4.5
|
78.4
|
245
|
19,436,206
|
108,193
|
8,384,662,687
|
350
|
24,777,195
|
6
|
76.9
|
4.9
|
84.7
|
242
|
18,962,545
|
88,695
|
6,885,484,275
|
315
|
22,385,325
|
7+
|
73.7
|
3.0
|
74.1
|
600
|
43,723,548
|
185,500
|
14,478,915,636
|
814
|
58,974,459
|
Total
|
66.3
|
1.5
|
70.6
|
2,032
|
153,129,094
|
1,020,712
|
78,490,196,151
|
3,065
|
216,799,578
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.4
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.2
|
8.0
|
48.0
|
23
|
1,535,000
|
43,468
|
2,715,239,095
|
60
|
3,196,773
|
2
|
78.7
|
11.7
|
84.2
|
45
|
2,555,133
|
36,475
|
2,266,139,179
|
57
|
3,036,079
|
3
|
104.8
|
13.8
|
129.7
|
58
|
3,825,008
|
31,232
|
1,944,522,198
|
55
|
2,949,617
|
4
|
76.3
|
12.2
|
63.5
|
39
|
1,748,186
|
25,654
|
1,604,464,168
|
51
|
2,751,948
|
5
|
95.6
|
14.3
|
130.0
|
45
|
3,299,605
|
21,025
|
1,314,074,285
|
47
|
2,537,600
|
6
|
83.9
|
14.2
|
73.5
|
35
|
1,680,000
|
16,764
|
1,057,528,987
|
42
|
2,284,444
|
7+
|
96.0
|
9.4
|
84.0
|
105
|
5,369,318
|
33,536
|
2,186,574,193
|
109
|
6,390,612
|
Total
|
82.9
|
4.4
|
86.5
|
350
|
20,012,250
|
208,154
|
13,088,542,105
|
422
|
23,147,073
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.5
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.4
|
12.8
|
48.8
|
10
|
750,000
|
24,581
|
1,701,195,234
|
25
|
1,537,760
|
2
|
93.3
|
19.9
|
106.7
|
22
|
1,550,000
|
20,390
|
1,404,014,138
|
24
|
1,452,546
|
3
|
104.1
|
21.2
|
95.9
|
24
|
1,366,008
|
17,285
|
1,200,023,933
|
23
|
1,424,202
|
4
|
60.5
|
16.8
|
58.3
|
13
|
780,531
|
14,096
|
983,258,421
|
21
|
1,339,171
|
5
|
85.5
|
20.7
|
123.3
|
17
|
1,529,600
|
11,430
|
800,029,061
|
20
|
1,240,279
|
6
|
55.6
|
17.6
|
46.8
|
10
|
535,000
|
9,098
|
646,431,491
|
18
|
1,144,343
|
7+
|
80.5
|
12.6
|
77.0
|
41
|
2,631,515
|
18,231
|
1,341,817,454
|
51
|
3,416,358
|
Total
|
75.4
|
6.4
|
79.1
|
137
|
9,142,654
|
115,111
|
8,076,769,733
|
182
|
11,554,659
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.6
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
36.6
|
10.2
|
47.3
|
13
|
785,000
|
18,887
|
1,014,043,861
|
35
|
1,659,013
|
2
|
68.5
|
14.3
|
63.5
|
23
|
1,005,133
|
16,085
|
862,125,041
|
34
|
1,583,532
|
3
|
105.3
|
18.1
|
161.2
|
34
|
2,459,000
|
13,947
|
744,498,264
|
32
|
1,525,415
|
4
|
87.7
|
17.2
|
68.5
|
26
|
967,655
|
11,558
|
621,205,747
|
30
|
1,412,777
|
5
|
103.0
|
19.5
|
136.4
|
28
|
1,770,005
|
9,595
|
514,045,225
|
27
|
1,297,321
|
6
|
105.4
|
21.1
|
100.4
|
25
|
1,145,000
|
7,666
|
411,097,495
|
24
|
1,140,102
|
7+
|
109.4
|
13.7
|
92.1
|
64
|
2,737,803
|
15,305
|
844,756,739
|
58
|
2,974,254
|
Total
|
88.6
|
6.1
|
93.8
|
213
|
10,869,596
|
93,043
|
5,011,772,372
|
240
|
11,592,414
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.7
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.0
|
2.3
|
34.2
|
183
|
16,124,361
|
325,098
|
28,897,223,272
|
591
|
47,103,476
|
2
|
63.6
|
3.3
|
70.8
|
380
|
33,995,393
|
292,057
|
26,168,923,392
|
598
|
48,049,595
|
3
|
66.5
|
3.3
|
71.3
|
399
|
34,606,585
|
259,924
|
23,468,234,343
|
600
|
48,518,238
|
4
|
69.5
|
3.5
|
75.3
|
403
|
35,447,820
|
223,259
|
20,222,088,270
|
580
|
47,093,038
|
5
|
68.3
|
3.5
|
73.7
|
377
|
33,096,198
|
190,372
|
17,246,221,326
|
552
|
44,910,322
|
6
|
68.2
|
3.7
|
73.9
|
345
|
30,697,030
|
156,658
|
14,247,048,081
|
506
|
41,552,578
|
7+
|
70.9
|
2.3
|
74.2
|
991
|
87,259,443
|
333,338
|
30,498,737,066
|
1,398
|
117,571,183
|
Total
|
63.8
|
1.1
|
68.7
|
3,078
|
271,226,830
|
1,780,706
|
160,748,475,751
|
4,825
|
394,798,431
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.8
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.2
|
3.5
|
30.9
|
57
|
6,355,000
|
152,664
|
15,465,661,458
|
217
|
20,538,259
|
2
|
66.1
|
5.4
|
77.2
|
150
|
16,597,059
|
138,412
|
14,094,005,262
|
227
|
21,491,016
|
3
|
62.5
|
5.2
|
71.9
|
147
|
15,958,132
|
124,128
|
12,709,692,641
|
235
|
22,209,279
|
4
|
69.1
|
5.4
|
70.2
|
162
|
15,473,961
|
107,287
|
10,987,849,277
|
234
|
22,043,932
|
5
|
69.9
|
5.5
|
72.0
|
160
|
15,429,997
|
91,774
|
9,375,603,864
|
229
|
21,430,449
|
6
|
59.5
|
5.3
|
63.4
|
128
|
12,879,485
|
75,629
|
7,772,661,301
|
215
|
20,307,355
|
7+
|
70.8
|
3.3
|
75.2
|
455
|
46,273,698
|
163,143
|
16,864,578,169
|
643
|
61,570,978
|
Total
|
62.9
|
1.8
|
68.0
|
1,259
|
128,967,332
|
853,038
|
87,270,051,972
|
2,000
|
189,591,267
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 6.9
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
33.7
|
3.0
|
36.8
|
126
|
9,769,361
|
172,433
|
13,431,561,814
|
374
|
26,565,217
|
2
|
62.1
|
4.1
|
65.5
|
230
|
17,398,334
|
153,644
|
12,074,918,131
|
371
|
26,558,579
|
3
|
69.0
|
4.3
|
70.9
|
252
|
18,648,453
|
135,796
|
10,758,541,702
|
365
|
26,308,959
|
4
|
69.7
|
4.5
|
79.7
|
241
|
19,973,859
|
115,973
|
9,234,238,993
|
346
|
25,049,107
|
5
|
67.2
|
4.6
|
75.2
|
217
|
17,666,201
|
98,598
|
7,870,617,462
|
323
|
23,479,874
|
6
|
74.6
|
5.1
|
83.9
|
217
|
17,817,545
|
81,029
|
6,474,386,780
|
291
|
21,245,224
|
7+
|
71.0
|
3.1
|
73.2
|
536
|
40,985,745
|
170,195
|
13,634,158,897
|
755
|
56,000,205
|
Total
|
64.4
|
1.5
|
69.3
|
1,819
|
142,259,498
|
927,668
|
73,478,423,779
|
2,824
|
205,207,164
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.1
STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.7
|
5.2
|
16.0
|
16
|
1,014,000
|
368,565
|
31,612,462,367
|
77
|
6,333,736
|
2
|
37.0
|
6.9
|
29.9
|
29
|
1,938,189
|
328,532
|
28,435,062,572
|
78
|
6,473,870
|
3
|
30.3
|
6.2
|
38.8
|
24
|
2,545,000
|
291,156
|
25,412,756,541
|
79
|
6,559,109
|
4
|
45.6
|
7.7
|
50.6
|
35
|
3,224,000
|
248,913
|
21,826,552,438
|
77
|
6,377,812
|
5
|
34.1
|
6.8
|
30.4
|
25
|
1,850,700
|
211,397
|
18,560,295,611
|
73
|
6,089,178
|
6
|
29.6
|
6.6
|
28.1
|
20
|
1,587,491
|
173,422
|
15,304,577,068
|
68
|
5,651,389
|
7+
|
40.4
|
4.6
|
38.3
|
77
|
6,200,813
|
366,874
|
32,685,311,259
|
191
|
16,204,482
|
Total
|
35.1
|
2.3
|
34.2
|
226
|
18,360,193
|
1,988,861
|
173,837,017,856
|
643
|
53,689,576
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.2
MALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.8
|
6.9
|
15.9
|
9
|
640,000
|
177,245
|
17,166,856,692
|
43
|
4,017,981
|
2
|
29.1
|
8.1
|
25.5
|
13
|
1,060,000
|
158,803
|
15,498,019,400
|
45
|
4,159,389
|
3
|
35.1
|
8.8
|
37.6
|
16
|
1,600,000
|
141,413
|
13,909,716,574
|
46
|
4,257,011
|
4
|
42.5
|
9.8
|
52.3
|
19
|
2,179,000
|
121,383
|
11,971,107,699
|
45
|
4,169,385
|
5
|
37.3
|
9.3
|
30.0
|
16
|
1,200,700
|
103,204
|
10,175,632,924
|
43
|
3,997,877
|
6
|
27.7
|
8.3
|
29.1
|
11
|
1,085,000
|
84,727
|
8,419,092,793
|
40
|
3,733,495
|
7+
|
39.4
|
5.9
|
40.2
|
45
|
4,369,000
|
181,374
|
18,206,395,623
|
114
|
10,880,945
|
Total
|
34.4
|
3.0
|
34.5
|
129
|
12,133,700
|
968,149
|
95,346,821,705
|
375
|
35,216,083
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.3
FEMALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.6
|
7.8
|
16.2
|
7
|
374,000
|
191,320
|
14,445,605,675
|
34
|
2,315,755
|
2
|
47.3
|
11.8
|
37.9
|
16
|
878,189
|
169,729
|
12,937,043,172
|
34
|
2,314,481
|
3
|
23.8
|
8.4
|
41.0
|
8
|
945,000
|
149,743
|
11,503,039,966
|
34
|
2,302,098
|
4
|
49.8
|
12.5
|
47.3
|
16
|
1,045,000
|
127,530
|
9,855,444,739
|
32
|
2,208,426
|
5
|
29.6
|
9.9
|
31.1
|
9
|
650,000
|
108,193
|
8,384,662,687
|
30
|
2,091,301
|
6
|
32.4
|
10.8
|
26.2
|
9
|
502,491
|
88,695
|
6,885,484,275
|
28
|
1,917,894
|
7+
|
42.0
|
7.4
|
34.4
|
32
|
1,831,813
|
185,500
|
14,478,915,636
|
76
|
5,323,537
|
Total
|
36.2
|
3.7
|
33.7
|
97
|
6,226,493
|
1,020,712
|
78,490,196,151
|
268
|
18,473,493
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.4
STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
43,468
|
2,715,239,095
|
7
|
411,934
|
2
|
71.2
|
31.8
|
66.2
|
5
|
260,000
|
36,475
|
2,266,139,179
|
7
|
392,918
|
3
|
58.5
|
29.3
|
96.1
|
4
|
370,000
|
31,232
|
1,944,522,198
|
7
|
385,052
|
4
|
94.6
|
38.6
|
88.4
|
6
|
319,000
|
25,654
|
1,604,464,168
|
6
|
360,799
|
5
|
34.2
|
24.2
|
45.0
|
2
|
150,000
|
21,025
|
1,314,074,285
|
6
|
333,459
|
6
|
76.7
|
38.3
|
82.6
|
4
|
250,000
|
16,764
|
1,057,528,987
|
5
|
302,593
|
7+
|
71.7
|
22.7
|
112.8
|
10
|
964,000
|
33,536
|
2,186,574,193
|
14
|
854,602
|
Total
|
59.0
|
10.6
|
76.1
|
31
|
2,313,000
|
208,154
|
13,088,542,105
|
53
|
3,041,357
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.5
MALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
24,581
|
1,701,195,234
|
4
|
275,051
|
2
|
23.6
|
23.6
|
19.0
|
1
|
50,000
|
20,390
|
1,404,014,138
|
4
|
263,088
|
3
|
72.1
|
41.6
|
132.7
|
3
|
345,000
|
17,285
|
1,200,023,933
|
4
|
260,058
|
4
|
103.4
|
51.7
|
101.8
|
4
|
249,000
|
14,096
|
983,258,421
|
4
|
244,702
|
5
|
28.1
|
28.1
|
55.3
|
1
|
125,000
|
11,430
|
800,029,061
|
4
|
226,072
|
6
|
62.7
|
44.4
|
72.4
|
2
|
150,000
|
9,098
|
646,431,491
|
3
|
207,278
|
7+
|
80.3
|
30.3
|
147.2
|
7
|
879,000
|
18,231
|
1,341,817,454
|
9
|
597,100
|
Total
|
56.0
|
13.2
|
86.7
|
18
|
1,798,000
|
115,111
|
8,076,769,733
|
32
|
2,073,348
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.6
FEMALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
18,887
|
1,014,043,861
|
3
|
136,883
|
2
|
143.9
|
72.0
|
161.8
|
4
|
210,000
|
16,085
|
862,125,041
|
3
|
129,830
|
3
|
37.4
|
37.4
|
20.0
|
1
|
25,000
|
13,947
|
744,498,264
|
3
|
124,994
|
4
|
81.0
|
57.2
|
60.3
|
2
|
70,000
|
11,558
|
621,205,747
|
2
|
116,097
|
5
|
43.7
|
43.7
|
23.3
|
1
|
25,000
|
9,595
|
514,045,225
|
2
|
107,387
|
6
|
98.6
|
69.8
|
104.9
|
2
|
100,000
|
7,666
|
411,097,495
|
2
|
95,316
|
7+
|
57.3
|
33.1
|
33.0
|
3
|
85,000
|
15,305
|
844,756,739
|
5
|
257,502
|
Total
|
63.6
|
17.7
|
53.2
|
13
|
515,000
|
93,043
|
5,011,772,372
|
20
|
968,009
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.7
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.9
|
5.7
|
17.1
|
16
|
1,014,000
|
325,098
|
28,897,223,272
|
70
|
5,921,802
|
2
|
33.6
|
6.9
|
27.6
|
24
|
1,678,189
|
292,057
|
26,168,923,392
|
71
|
6,080,953
|
3
|
27.7
|
6.2
|
35.2
|
20
|
2,175,000
|
259,924
|
23,468,234,343
|
72
|
6,174,057
|
4
|
41.2
|
7.6
|
48.3
|
29
|
2,905,000
|
223,259
|
20,222,088,270
|
70
|
6,017,013
|
5
|
34.1
|
7.1
|
29.5
|
23
|
1,700,700
|
190,372
|
17,246,221,326
|
68
|
5,755,719
|
6
|
25.7
|
6.4
|
25.0
|
16
|
1,337,491
|
156,658
|
14,247,048,081
|
62
|
5,348,796
|
7+
|
37.9
|
4.6
|
34.1
|
67
|
5,236,813
|
333,338
|
30,498,737,066
|
177
|
15,349,880
|
Total
|
33.0
|
2.4
|
31.7
|
195
|
16,047,193
|
1,780,706
|
160,748,475,751
|
591
|
50,648,219
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.8
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.1
|
7.7
|
17.1
|
9
|
640,000
|
152,664
|
15,465,661,458
|
39
|
3,742,930
|
2
|
29.7
|
8.6
|
25.9
|
12
|
1,010,000
|
138,412
|
14,094,005,262
|
40
|
3,896,301
|
3
|
31.4
|
8.7
|
31.4
|
13
|
1,255,000
|
124,128
|
12,709,692,641
|
41
|
3,996,953
|
4
|
36.8
|
9.5
|
49.2
|
15
|
1,930,000
|
107,287
|
10,987,849,277
|
41
|
3,924,684
|
5
|
38.1
|
9.8
|
28.5
|
15
|
1,075,700
|
91,774
|
9,375,603,864
|
39
|
3,771,805
|
6
|
24.6
|
8.2
|
26.5
|
9
|
935,000
|
75,629
|
7,772,661,301
|
37
|
3,526,217
|
7+
|
36.0
|
5.8
|
33.9
|
38
|
3,490,000
|
163,143
|
16,864,578,169
|
106
|
10,283,845
|
Total
|
32.4
|
3.1
|
31.2
|
111
|
10,335,700
|
853,038
|
87,270,051,972
|
343
|
33,142,735
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 7.9
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.5
|
8.5
|
17.2
|
7
|
374,000
|
172,433
|
13,431,561,814
|
31
|
2,178,871
|
2
|
38.7
|
11.2
|
30.6
|
12
|
668,189
|
153,644
|
12,074,918,131
|
31
|
2,184,652
|
3
|
22.7
|
8.6
|
42.3
|
7
|
920,000
|
135,796
|
10,758,541,702
|
31
|
2,177,104
|
4
|
47.2
|
12.6
|
46.6
|
14
|
975,000
|
115,973
|
9,234,238,993
|
30
|
2,092,329
|
5
|
28.4
|
10.1
|
31.5
|
8
|
625,000
|
98,598
|
7,870,617,462
|
28
|
1,983,914
|
6
|
27.2
|
10.3
|
22.1
|
7
|
402,491
|
81,029
|
6,474,386,780
|
26
|
1,822,579
|
7+
|
40.8
|
7.6
|
34.5
|
29
|
1,746,813
|
170,195
|
13,634,158,897
|
71
|
5,066,035
|
Total
|
33.9
|
3.7
|
32.6
|
84
|
5,711,493
|
927,668
|
73,478,423,779
|
248
|
17,505,484
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.1
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.3
|
3.6
|
26.2
|
58
|
5,313,600
|
79,436
|
7,583,265,112
|
213
|
20,266,500
|
2
|
43.5
|
4.7
|
53.5
|
86
|
10,162,000
|
64,625
|
6,278,791,962
|
198
|
18,983,022
|
3
|
52.1
|
5.1
|
44.2
|
105
|
8,736,700
|
56,386
|
5,680,340,445
|
201
|
19,773,568
|
4
|
47.9
|
4.6
|
47.8
|
107
|
10,579,490
|
52,799
|
5,393,947,561
|
224
|
22,126,101
|
5
|
53.4
|
4.7
|
52.7
|
131
|
12,608,700
|
49,599
|
5,032,479,565
|
246
|
23,907,765
|
6
|
58.4
|
4.9
|
58.2
|
142
|
13,410,000
|
42,970
|
4,292,906,465
|
243
|
23,054,656
|
7+
|
53.7
|
3.3
|
51.2
|
265
|
21,852,719
|
72,841
|
6,737,506,139
|
494
|
42,670,249
|
Total
|
49.2
|
1.6
|
48.4
|
895
|
82,663,209
|
418,657
|
40,999,237,249
|
1,820
|
170,781,862
|
By Issue Age
|
20-24
|
51.8
|
15.6
|
56.2
|
11
|
1,085,000
|
27,001
|
2,464,769,000
|
21
|
1,930,031
|
25-29
|
51.3
|
8.6
|
64.9
|
36
|
4,230,000
|
60,804
|
5,670,591,207
|
70
|
6,521,308
|
30-34
|
53.2
|
6.2
|
46.7
|
73
|
6,487,700
|
77,816
|
7,930,709,371
|
138
|
13,889,664
|
35-39
|
52.3
|
4.7
|
51.2
|
122
|
12,515,000
|
82,311
|
8,733,871,453
|
234
|
24,456,549
|
40-44
|
52.3
|
3.8
|
49.6
|
188
|
18,062,719
|
76,213
|
7,814,082,608
|
360
|
36,402,656
|
45-49
|
48.7
|
3.4
|
45.7
|
211
|
18,479,090
|
55,924
|
5,207,120,857
|
434
|
40,396,030
|
50-54
|
45.8
|
3.7
|
47.3
|
155
|
13,841,100
|
27,414
|
2,330,930,877
|
339
|
29,245,862
|
55-59
|
46.6
|
5.2
|
47.4
|
80
|
6,617,600
|
9,223
|
712,570,201
|
173
|
13,972,031
|
60+
|
34.4
|
8.1
|
33.9
|
18
|
1,345,000
|
1,950
|
134,591,675
|
52
|
3,967,732
|
Total
|
49.2
|
1.6
|
48.4
|
895
|
82,663,209
|
418,657
|
40,999,237,249
|
1,820
|
170,781,862
|
By Attained Age
|
20-24
|
34.1
|
19.7
|
32.1
|
3
|
250,000
|
13,195
|
1,174,965,421
|
9
|
778,956
|
25-29
|
55.8
|
11.6
|
47.7
|
23
|
1,775,000
|
44,117
|
4,025,295,993
|
41
|
3,720,744
|
30-34
|
47.5
|
7.2
|
60.1
|
44
|
5,365,000
|
66,756
|
6,508,080,584
|
93
|
8,929,976
|
35-39
|
47.3
|
5.5
|
44.0
|
75
|
7,202,700
|
75,783
|
7,939,861,433
|
159
|
16,384,832
|
40-44
|
51.6
|
4.5
|
44.8
|
130
|
11,952,500
|
75,635
|
8,088,864,029
|
253
|
26,681,980
|
45-49
|
52.8
|
3.8
|
55.6
|
196
|
20,586,319
|
67,655
|
6,760,188,796
|
371
|
36,997,322
|
50-54
|
48.4
|
3.5
|
39.5
|
194
|
14,629,590
|
45,160
|
4,122,458,335
|
400
|
37,076,136
|
55-59
|
43.8
|
3.8
|
53.3
|
129
|
13,287,000
|
21,276
|
1,728,860,098
|
296
|
24,943,103
|
60-64
|
53.8
|
6.0
|
55.4
|
80
|
6,345,100
|
7,333
|
530,670,782
|
149
|
11,459,780
|
65+
|
41.8
|
9.1
|
33.3
|
21
|
1,270,000
|
1,747
|
119,991,779
|
50
|
3,809,032
|
Total
|
49.2
|
1.6
|
48.4
|
895
|
82,663,209
|
418,657
|
40,999,237,249
|
1,820
|
170,781,862
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.2
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.0
|
8.1
|
37.8
|
6
|
980,000
|
12,475
|
1,102,541,874
|
30
|
2,595,598
|
2
|
46.3
|
10.9
|
46.2
|
18
|
1,550,000
|
13,692
|
1,240,368,699
|
39
|
3,356,851
|
3
|
40.5
|
9.3
|
44.2
|
19
|
1,795,000
|
14,294
|
1,310,854,773
|
47
|
4,059,097
|
4
|
43.3
|
8.5
|
33.1
|
26
|
1,745,000
|
16,047
|
1,497,755,098
|
60
|
5,267,518
|
5
|
57.7
|
8.7
|
58.2
|
44
|
4,145,000
|
17,484
|
1,701,303,874
|
76
|
7,116,331
|
6
|
52.0
|
7.5
|
46.0
|
48
|
4,170,750
|
18,194
|
1,837,204,719
|
92
|
9,059,175
|
7+
|
63.7
|
4.7
|
59.2
|
187
|
18,874,500
|
45,351
|
4,906,845,711
|
294
|
31,880,358
|
Total
|
54.5
|
2.9
|
52.5
|
348
|
33,260,250
|
137,538
|
13,596,874,747
|
639
|
63,334,928
|
By Issue Age
|
20-24
|
57.4
|
28.7
|
57.6
|
4
|
350,000
|
8,413
|
735,858,112
|
7
|
608,061
|
25-29
|
55.9
|
14.9
|
74.7
|
14
|
1,736,500
|
20,390
|
1,881,669,765
|
25
|
2,325,670
|
30-34
|
74.3
|
12.0
|
70.9
|
38
|
3,805,000
|
26,546
|
2,760,168,995
|
51
|
5,363,765
|
35-39
|
61.1
|
8.3
|
60.3
|
54
|
5,670,000
|
28,338
|
3,007,839,327
|
88
|
9,397,907
|
40-44
|
63.9
|
6.9
|
62.8
|
85
|
8,868,750
|
25,154
|
2,617,378,036
|
133
|
14,129,779
|
45-49
|
50.4
|
5.9
|
43.4
|
73
|
5,980,000
|
16,739
|
1,529,201,433
|
145
|
13,770,442
|
50-54
|
47.8
|
6.3
|
36.7
|
57
|
4,280,000
|
8,708
|
793,623,696
|
119
|
11,648,216
|
55+
|
33.0
|
6.9
|
42.2
|
23
|
2,570,000
|
3,251
|
271,135,382
|
70
|
6,091,086
|
Total
|
54.5
|
2.9
|
52.5
|
348
|
33,260,250
|
137,538
|
13,596,874,747
|
639
|
63,334,928
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,952
|
254,268,302
|
2
|
166,648
|
25-29
|
36.2
|
18.1
|
47.3
|
4
|
455,000
|
12,009
|
1,048,397,955
|
11
|
961,612
|
30-34
|
72.8
|
16.3
|
93.6
|
20
|
2,396,500
|
20,301
|
1,902,811,262
|
28
|
2,560,387
|
35-39
|
61.0
|
11.0
|
54.5
|
31
|
2,820,000
|
24,948
|
2,578,253,326
|
51
|
5,177,864
|
40-44
|
60.8
|
8.5
|
53.4
|
51
|
4,675,000
|
25,894
|
2,745,188,421
|
84
|
8,750,932
|
45-49
|
55.5
|
6.7
|
53.5
|
69
|
6,825,750
|
23,200
|
2,397,192,450
|
124
|
12,759,649
|
50-54
|
61.2
|
6.6
|
63.9
|
86
|
8,588,000
|
16,164
|
1,525,188,407
|
141
|
13,447,849
|
55-59
|
44.3
|
6.1
|
32.1
|
52
|
3,730,000
|
8,438
|
800,517,734
|
117
|
11,614,351
|
60-64
|
40.2
|
7.9
|
44.8
|
26
|
2,895,000
|
3,118
|
300,699,752
|
65
|
6,455,777
|
65+
|
54.7
|
18.2
|
60.8
|
9
|
875,000
|
515
|
44,357,137
|
16
|
1,439,860
|
Total
|
54.5
|
2.9
|
52.5
|
348
|
33,260,250
|
137,538
|
13,596,874,747
|
639
|
63,334,928
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.3
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.3
|
2.5
|
27.3
|
108
|
8,458,861
|
108,631
|
9,244,129,706
|
412
|
30,961,274
|
2
|
52.3
|
3.5
|
52.8
|
230
|
17,589,340
|
103,481
|
8,891,276,949
|
439
|
33,324,510
|
3
|
56.2
|
3.5
|
58.4
|
266
|
21,188,603
|
99,596
|
8,686,522,374
|
472
|
36,256,558
|
4
|
54.2
|
3.3
|
57.3
|
262
|
21,463,496
|
91,593
|
8,006,089,469
|
484
|
37,425,753
|
5
|
57.5
|
3.5
|
62.0
|
277
|
23,209,895
|
82,675
|
7,255,140,201
|
482
|
37,454,231
|
6
|
55.0
|
3.5
|
61.8
|
251
|
22,322,465
|
71,596
|
6,342,067,683
|
457
|
36,093,653
|
7+
|
56.3
|
1.9
|
58.7
|
852
|
73,398,098
|
186,478
|
16,816,153,464
|
1,514
|
125,064,205
|
Total
|
52.7
|
1.1
|
55.7
|
2,247
|
187,630,758
|
744,050
|
65,241,379,846
|
4,260
|
336,580,184
|
By Issue Age
|
20-34
|
59.3
|
4.2
|
67.0
|
203
|
22,282,020
|
229,873
|
22,151,761,184
|
342
|
33,277,092
|
35-39
|
53.4
|
3.6
|
55.6
|
224
|
22,355,294
|
141,719
|
13,636,497,798
|
420
|
40,181,107
|
40-44
|
59.1
|
2.9
|
59.6
|
406
|
36,995,336
|
139,937
|
12,557,134,828
|
688
|
62,039,484
|
45-49
|
52.2
|
2.4
|
49.8
|
472
|
36,323,870
|
112,722
|
8,921,960,952
|
904
|
72,965,563
|
50-54
|
50.1
|
2.3
|
54.9
|
464
|
36,835,269
|
73,399
|
5,151,246,763
|
928
|
67,127,267
|
55-59
|
53.6
|
2.9
|
60.2
|
336
|
24,959,659
|
33,542
|
2,146,675,126
|
626
|
41,446,084
|
60+
|
40.1
|
3.4
|
40.3
|
141
|
7,879,310
|
12,857
|
676,103,195
|
352
|
19,543,588
|
Total
|
52.7
|
1.1
|
55.7
|
2,247
|
187,630,758
|
744,050
|
65,241,379,846
|
4,260
|
336,580,184
|
By Attained Age
|
20-44
|
54.5
|
2.5
|
58.5
|
469
|
47,639,781
|
408,015
|
38,882,697,737
|
861
|
81,408,566
|
45-49
|
55.7
|
2.8
|
55.8
|
387
|
33,383,570
|
129,661
|
11,217,030,232
|
694
|
59,796,138
|
50-54
|
51.5
|
2.4
|
52.7
|
451
|
36,553,183
|
100,841
|
7,915,423,112
|
877
|
69,370,439
|
55-59
|
52.3
|
2.4
|
55.9
|
464
|
36,510,928
|
64,330
|
4,632,836,642
|
886
|
65,297,452
|
60-64
|
55.7
|
3.0
|
62.4
|
335
|
25,317,530
|
29,721
|
1,940,356,936
|
602
|
40,571,566
|
65+
|
41.3
|
3.5
|
40.9
|
140
|
8,225,766
|
11,482
|
653,035,187
|
340
|
20,136,023
|
Total
|
52.7
|
1.1
|
55.7
|
2,247
|
187,630,758
|
744,050
|
65,241,379,846
|
4,260
|
336,580,184
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.4
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
3.4
|
29.1
|
66
|
5,247,500
|
81,292
|
6,170,946,886
|
242
|
18,007,061
|
2
|
50.9
|
4.9
|
47.0
|
110
|
7,448,867
|
67,567
|
5,066,786,409
|
215
|
15,835,146
|
3
|
48.9
|
5.1
|
64.9
|
93
|
8,811,995
|
55,421
|
4,054,100,150
|
190
|
13,573,838
|
4
|
69.0
|
6.5
|
63.6
|
113
|
7,032,650
|
44,497
|
3,110,469,051
|
164
|
11,060,229
|
5
|
54.3
|
6.1
|
50.4
|
78
|
4,566,000
|
36,684
|
2,412,213,874
|
144
|
9,052,303
|
6
|
54.9
|
6.8
|
62.3
|
66
|
4,425,167
|
28,898
|
1,780,836,742
|
120
|
7,101,547
|
7+
|
63.7
|
4.7
|
68.4
|
181
|
12,181,228
|
53,748
|
3,358,087,311
|
284
|
17,815,789
|
Total
|
52.0
|
2.0
|
53.8
|
707
|
49,713,407
|
368,107
|
25,953,440,422
|
1,360
|
92,445,913
|
By Issue Age
|
20-44
|
58.0
|
3.0
|
60.9
|
362
|
27,953,495
|
297,466
|
21,330,849,747
|
624
|
45,881,380
|
45-49
|
48.5
|
4.3
|
48.7
|
128
|
8,909,467
|
36,902
|
2,597,253,342
|
265
|
18,296,346
|
50-54
|
50.2
|
4.6
|
47.1
|
119
|
7,184,178
|
21,065
|
1,342,806,216
|
238
|
15,264,277
|
55-59
|
43.0
|
5.0
|
46.2
|
74
|
4,432,367
|
10,111
|
548,838,866
|
173
|
9,600,565
|
60-64
|
37.7
|
8.4
|
37.9
|
20
|
1,113,900
|
2,318
|
118,789,319
|
53
|
2,937,768
|
65+
|
43.1
|
24.9
|
25.8
|
3
|
120,000
|
245
|
14,902,933
|
7
|
465,576
|
Total
|
52.0
|
2.0
|
53.8
|
707
|
49,713,407
|
368,107
|
25,953,440,422
|
1,360
|
92,445,913
|
By Attained Age
|
20-44
|
56.1
|
3.4
|
59.6
|
267
|
21,005,995
|
270,399
|
19,386,166,146
|
476
|
35,230,644
|
45-49
|
50.9
|
4.6
|
53.3
|
121
|
9,313,500
|
44,401
|
3,269,978,641
|
238
|
17,472,272
|
50-54
|
52.7
|
4.5
|
49.4
|
136
|
8,552,667
|
29,574
|
1,959,635,536
|
257
|
17,321,509
|
55-59
|
49.9
|
4.8
|
46.4
|
108
|
6,060,678
|
15,630
|
920,237,457
|
216
|
13,048,201
|
60-64
|
42.4
|
5.7
|
49.9
|
56
|
3,486,667
|
6,598
|
334,644,865
|
132
|
6,992,801
|
65+
|
49.1
|
11.0
|
54.4
|
20
|
1,293,900
|
1,505
|
82,777,775
|
41
|
2,380,486
|
Total
|
52.0
|
2.0
|
53.8
|
707
|
49,713,407
|
368,107
|
25,953,440,422
|
1,360
|
92,445,913
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.5
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.6
|
5.4
|
28.1
|
28
|
3,147,500
|
37,257
|
4,160,666,969
|
98
|
11,208,891
|
2
|
40.5
|
6.6
|
51.9
|
38
|
5,559,000
|
30,763
|
3,462,691,176
|
94
|
10,700,694
|
3
|
45.8
|
6.8
|
39.5
|
46
|
4,503,100
|
27,364
|
3,166,347,224
|
99
|
11,401,244
|
4
|
44.7
|
6.3
|
44.2
|
50
|
5,725,000
|
25,625
|
2,996,481,496
|
113
|
12,965,147
|
5
|
48.8
|
6.2
|
51.3
|
61
|
7,232,500
|
23,833
|
2,770,689,339
|
125
|
14,099,617
|
6
|
43.6
|
5.9
|
38.2
|
54
|
5,198,000
|
20,322
|
2,338,486,763
|
124
|
13,605,399
|
7+
|
45.5
|
4.3
|
47.6
|
112
|
11,693,719
|
33,022
|
3,527,055,115
|
247
|
24,566,254
|
Total
|
43.3
|
2.2
|
43.7
|
389
|
43,058,819
|
198,185
|
22,422,418,083
|
900
|
98,547,247
|
By Issue Age
|
20-24
|
76.4
|
28.9
|
82.5
|
7
|
735,000
|
12,929
|
1,255,583,490
|
9
|
891,448
|
25-29
|
58.1
|
14.5
|
44.4
|
16
|
1,265,000
|
27,644
|
2,829,696,166
|
28
|
2,846,659
|
30-34
|
43.1
|
8.8
|
44.6
|
24
|
2,932,500
|
36,703
|
4,282,298,652
|
56
|
6,575,346
|
35-39
|
44.2
|
6.7
|
48.3
|
44
|
5,900,000
|
39,138
|
4,801,816,766
|
100
|
12,222,497
|
40-44
|
44.2
|
5.1
|
38.6
|
75
|
7,777,719
|
36,856
|
4,427,399,408
|
170
|
20,155,146
|
45-49
|
40.6
|
4.3
|
42.9
|
91
|
10,508,500
|
26,811
|
2,996,037,698
|
223
|
24,490,861
|
50-54
|
44.3
|
4.8
|
43.4
|
84
|
8,240,100
|
13,163
|
1,336,246,582
|
190
|
18,976,038
|
55-59
|
41.3
|
6.5
|
49.6
|
40
|
4,725,000
|
4,157
|
411,722,625
|
97
|
9,519,377
|
60-64
|
32.4
|
11.4
|
36.1
|
8
|
975,000
|
724
|
77,706,696
|
25
|
2,699,106
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60
|
3,910,000
|
3
|
170,769
|
Total
|
43.3
|
2.2
|
43.7
|
389
|
43,058,819
|
198,185
|
22,422,418,083
|
900
|
98,547,247
|
By Attained Age
|
20-24
|
24.8
|
24.8
|
26.4
|
1
|
100,000
|
6,450
|
607,311,792
|
4
|
378,880
|
25-29
|
84.2
|
22.5
|
66.7
|
14
|
1,100,000
|
20,302
|
2,013,354,344
|
17
|
1,649,171
|
30-34
|
48.5
|
11.4
|
46.7
|
18
|
1,925,000
|
30,987
|
3,417,953,174
|
37
|
4,121,753
|
35-39
|
34.1
|
7.3
|
38.6
|
22
|
3,022,500
|
35,839
|
4,319,150,734
|
65
|
7,828,405
|
40-44
|
41.2
|
6.1
|
34.7
|
46
|
4,817,500
|
36,517
|
4,523,799,672
|
112
|
13,874,421
|
45-49
|
46.9
|
5.1
|
51.7
|
84
|
10,973,219
|
32,734
|
3,870,550,059
|
180
|
21,237,065
|
50-54
|
41.2
|
4.4
|
35.5
|
86
|
8,042,100
|
21,506
|
2,324,832,202
|
210
|
22,659,971
|
55-59
|
41.4
|
5.0
|
48.2
|
68
|
7,836,000
|
9,865
|
972,536,467
|
165
|
16,263,750
|
60-64
|
46.5
|
7.4
|
61.1
|
39
|
4,712,500
|
3,260
|
297,322,203
|
84
|
7,717,842
|
65+
|
37.1
|
11.7
|
18.8
|
10
|
530,000
|
726
|
75,607,435
|
27
|
2,815,990
|
Total
|
43.3
|
2.2
|
43.7
|
389
|
43,058,819
|
198,185
|
22,422,418,083
|
900
|
98,547,247
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.6
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
14.8
|
10.5
|
54.8
|
2
|
700,000
|
5,808
|
551,113,090
|
14
|
1,277,951
|
2
|
39.0
|
14.8
|
39.9
|
7
|
685,000
|
6,513
|
641,940,973
|
18
|
1,718,113
|
3
|
22.4
|
10.0
|
17.5
|
5
|
375,000
|
6,882
|
689,513,167
|
22
|
2,142,934
|
4
|
30.4
|
10.1
|
23.4
|
9
|
675,000
|
7,859
|
801,166,337
|
30
|
2,884,357
|
5
|
45.4
|
10.7
|
46.2
|
18
|
1,935,000
|
8,827
|
954,717,235
|
40
|
4,191,920
|
6
|
38.8
|
8.7
|
28.1
|
20
|
1,605,000
|
9,478
|
1,073,935,748
|
52
|
5,720,672
|
7+
|
57.0
|
5.7
|
52.9
|
100
|
11,414,500
|
24,277
|
2,985,314,906
|
176
|
21,593,742
|
Total
|
46.0
|
3.6
|
44.0
|
161
|
17,389,500
|
69,644
|
7,697,701,456
|
350
|
39,529,689
|
By Issue Age
|
20-24
|
32.6
|
32.6
|
35.5
|
1
|
100,000
|
4,133
|
378,320,795
|
3
|
281,514
|
25-29
|
47.3
|
21.2
|
71.2
|
5
|
726,500
|
9,865
|
940,865,403
|
11
|
1,020,204
|
30-34
|
76.7
|
18.6
|
81.8
|
17
|
2,060,000
|
13,283
|
1,480,486,416
|
22
|
2,518,993
|
35-39
|
47.1
|
10.5
|
48.8
|
20
|
2,525,000
|
14,732
|
1,762,307,767
|
43
|
5,174,616
|
40-44
|
48.9
|
8.4
|
49.5
|
34
|
4,323,000
|
12,985
|
1,585,646,370
|
70
|
8,725,380
|
45-49
|
46.1
|
7.6
|
36.7
|
37
|
3,230,000
|
8,300
|
879,936,131
|
80
|
8,807,130
|
50-54
|
44.6
|
7.8
|
30.7
|
33
|
2,550,000
|
4,518
|
488,535,734
|
74
|
8,308,567
|
55+
|
29.3
|
7.8
|
40.0
|
14
|
1,875,000
|
1,828
|
181,602,838
|
48
|
4,693,285
|
Total
|
46.0
|
3.6
|
44.0
|
161
|
17,389,500
|
69,644
|
7,697,701,456
|
350
|
39,529,689
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,412
|
127,652,419
|
1
|
78,659
|
25-29
|
43.6
|
30.8
|
68.2
|
2
|
280,000
|
5,696
|
510,307,383
|
5
|
410,592
|
30-34
|
86.3
|
27.3
|
129.4
|
10
|
1,471,500
|
9,945
|
975,569,189
|
12
|
1,137,159
|
35-39
|
31.7
|
12.0
|
23.4
|
7
|
580,000
|
12,626
|
1,418,197,963
|
22
|
2,478,864
|
40-44
|
50.8
|
11.4
|
41.7
|
20
|
1,945,000
|
13,312
|
1,584,151,013
|
39
|
4,669,274
|
45-49
|
34.9
|
7.4
|
34.0
|
22
|
2,580,000
|
11,810
|
1,429,616,315
|
63
|
7,589,464
|
50-54
|
62.4
|
8.9
|
67.5
|
49
|
5,798,000
|
8,269
|
904,643,416
|
79
|
8,592,745
|
55-59
|
39.9
|
7.4
|
25.9
|
29
|
2,185,000
|
4,436
|
513,267,979
|
73
|
8,422,684
|
60-64
|
36.0
|
9.0
|
36.9
|
16
|
1,825,000
|
1,794
|
201,340,679
|
44
|
4,947,175
|
65+
|
46.7
|
19.1
|
60.3
|
6
|
725,000
|
345
|
32,955,098
|
13
|
1,203,072
|
Total
|
46.0
|
3.6
|
44.0
|
161
|
17,389,500
|
69,644
|
7,697,701,456
|
350
|
39,529,689
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.7
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.2
|
3.5
|
24.0
|
51
|
4,035,500
|
52,258
|
4,876,822,060
|
203
|
16,829,821
|
2
|
51.3
|
4.8
|
53.2
|
113
|
9,807,942
|
49,973
|
4,711,764,336
|
221
|
18,442,010
|
3
|
54.2
|
4.7
|
53.1
|
131
|
10,861,240
|
48,430
|
4,653,655,920
|
242
|
20,469,699
|
4
|
56.3
|
4.7
|
59.6
|
142
|
12,845,985
|
44,825
|
4,324,958,399
|
253
|
21,564,935
|
5
|
56.0
|
4.7
|
54.9
|
143
|
12,025,071
|
40,655
|
3,942,437,263
|
256
|
21,905,518
|
6
|
55.9
|
4.8
|
58.3
|
137
|
12,502,301
|
35,334
|
3,473,571,696
|
245
|
21,438,280
|
7+
|
56.9
|
2.6
|
59.2
|
484
|
46,096,168
|
93,582
|
9,406,064,343
|
850
|
77,872,192
|
Total
|
53.0
|
1.5
|
54.5
|
1,202
|
108,174,207
|
365,058
|
35,389,274,016
|
2,270
|
198,522,454
|
By Issue Age
|
20-39
|
49.8
|
3.8
|
52.8
|
169
|
18,966,936
|
183,536
|
19,043,382,268
|
340
|
35,891,938
|
40-44
|
55.1
|
4.0
|
57.1
|
189
|
19,907,100
|
69,808
|
7,035,913,051
|
343
|
34,885,471
|
45-49
|
53.4
|
3.3
|
47.7
|
255
|
20,747,118
|
54,469
|
4,893,252,299
|
478
|
43,495,139
|
50-54
|
54.8
|
3.2
|
61.5
|
288
|
26,276,944
|
35,017
|
2,818,099,372
|
526
|
42,720,299
|
55-59
|
57.0
|
3.9
|
59.8
|
214
|
16,585,393
|
16,307
|
1,200,313,719
|
376
|
27,734,178
|
60+
|
41.8
|
4.5
|
41.3
|
86
|
5,690,716
|
5,920
|
398,313,307
|
206
|
13,795,429
|
Total
|
53.0
|
1.5
|
54.5
|
1,202
|
108,174,207
|
365,058
|
35,389,274,016
|
2,270
|
198,522,454
|
By Attained Age
|
20-44
|
51.3
|
3.7
|
54.9
|
195
|
21,766,848
|
201,313
|
20,746,178,774
|
381
|
39,683,558
|
45-49
|
47.5
|
3.7
|
46.4
|
162
|
15,357,728
|
64,052
|
6,218,876,614
|
342
|
33,096,860
|
50-54
|
52.8
|
3.4
|
52.7
|
246
|
21,839,336
|
48,760
|
4,352,201,104
|
466
|
41,411,695
|
55-59
|
56.5
|
3.3
|
57.5
|
289
|
24,358,579
|
31,040
|
2,582,066,828
|
512
|
42,377,254
|
60-64
|
61.1
|
4.1
|
68.2
|
223
|
18,879,658
|
14,476
|
1,105,671,363
|
365
|
27,698,917
|
65+
|
42.4
|
4.6
|
41.9
|
86
|
5,972,058
|
5,417
|
384,279,333
|
203
|
14,254,170
|
Total
|
53.0
|
1.5
|
54.5
|
1,202
|
108,174,207
|
365,058
|
35,389,274,016
|
2,270
|
198,522,454
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.8
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.5
|
5.0
|
29.9
|
35
|
3,085,000
|
39,944
|
3,406,458,589
|
119
|
10,333,137
|
2
|
45.3
|
6.5
|
43.2
|
48
|
3,963,867
|
33,102
|
2,794,932,587
|
107
|
9,169,083
|
3
|
51.2
|
7.3
|
70.5
|
49
|
5,586,995
|
27,170
|
2,232,269,044
|
96
|
7,924,451
|
4
|
52.0
|
7.9
|
46.0
|
43
|
2,955,000
|
21,781
|
1,703,876,448
|
83
|
6,430,560
|
5
|
49.7
|
8.3
|
41.4
|
36
|
2,160,000
|
17,808
|
1,303,715,227
|
73
|
5,214,097
|
6
|
41.2
|
8.2
|
59.1
|
25
|
2,405,167
|
13,951
|
954,563,710
|
61
|
4,068,688
|
7+
|
63.4
|
6.5
|
73.2
|
96
|
7,718,728
|
26,247
|
1,805,774,383
|
152
|
10,541,599
|
Total
|
48.3
|
2.6
|
51.9
|
333
|
27,874,757
|
180,003
|
14,201,589,989
|
690
|
53,681,616
|
By Issue Age
|
20-39
|
54.9
|
5.7
|
72.9
|
94
|
10,031,250
|
119,006
|
9,108,145,380
|
171
|
13,759,882
|
40-44
|
49.5
|
6.7
|
45.5
|
55
|
4,465,995
|
26,141
|
2,364,080,831
|
111
|
9,808,218
|
45-49
|
41.3
|
5.4
|
44.7
|
59
|
5,076,967
|
18,932
|
1,552,500,909
|
143
|
11,359,503
|
50-54
|
54.5
|
6.4
|
48.4
|
72
|
4,804,178
|
10,144
|
782,962,990
|
133
|
9,935,908
|
55-59
|
43.1
|
6.6
|
42.1
|
42
|
2,716,367
|
4,698
|
316,368,212
|
99
|
6,454,987
|
60-64
|
34.4
|
10.9
|
38.2
|
10
|
780,000
|
983
|
69,029,526
|
29
|
2,042,991
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
100
|
8,502,141
|
4
|
320,126
|
Total
|
48.3
|
2.6
|
51.9
|
333
|
27,874,757
|
180,003
|
14,201,589,989
|
690
|
53,681,616
|
By Attained Age
|
20-44
|
52.0
|
5.0
|
63.1
|
108
|
10,979,745
|
131,634
|
10,353,634,170
|
208
|
17,402,581
|
45-49
|
44.8
|
6.1
|
47.1
|
54
|
4,873,500
|
22,555
|
1,937,072,484
|
121
|
10,340,760
|
50-54
|
46.2
|
5.8
|
44.4
|
64
|
4,842,667
|
14,629
|
1,143,820,821
|
139
|
10,910,801
|
55-59
|
49.1
|
6.3
|
47.2
|
61
|
4,112,178
|
7,516
|
534,587,869
|
123
|
8,719,495
|
60-64
|
47.7
|
8.0
|
48.2
|
36
|
2,266,667
|
3,009
|
186,845,030
|
75
|
4,700,414
|
65+
|
43.5
|
13.7
|
49.8
|
10
|
800,000
|
659
|
45,629,614
|
23
|
1,607,564
|
Total
|
48.3
|
2.6
|
51.9
|
333
|
27,874,757
|
180,003
|
14,201,589,989
|
690
|
53,681,616
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.9
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.2
|
4.8
|
23.9
|
30
|
2,166,100
|
42,179
|
3,422,598,143
|
115
|
9,057,609
|
2
|
46.2
|
6.7
|
55.6
|
48
|
4,603,000
|
33,862
|
2,816,100,786
|
104
|
8,282,328
|
3
|
58.3
|
7.6
|
50.6
|
59
|
4,233,600
|
29,022
|
2,513,993,221
|
102
|
8,372,323
|
4
|
51.1
|
6.8
|
53.0
|
57
|
4,854,490
|
27,174
|
2,397,466,065
|
111
|
9,160,955
|
5
|
58.1
|
6.9
|
54.8
|
70
|
5,376,200
|
25,766
|
2,261,790,225
|
121
|
9,808,148
|
6
|
73.8
|
7.9
|
86.9
|
88
|
8,212,000
|
22,649
|
1,954,419,703
|
119
|
9,449,257
|
7+
|
61.9
|
5.0
|
56.1
|
153
|
10,159,000
|
39,819
|
3,210,451,024
|
248
|
18,103,995
|
Total
|
55.0
|
2.4
|
54.8
|
506
|
39,604,390
|
220,471
|
18,576,819,167
|
920
|
72,234,615
|
By Issue Age
|
20-24
|
33.1
|
16.6
|
33.7
|
4
|
350,000
|
14,072
|
1,209,185,510
|
12
|
1,038,583
|
25-29
|
46.9
|
10.5
|
80.7
|
20
|
2,965,000
|
33,160
|
2,840,895,041
|
43
|
3,674,649
|
30-34
|
60.1
|
8.6
|
48.6
|
49
|
3,555,200
|
41,113
|
3,648,410,719
|
82
|
7,314,318
|
35-39
|
58.3
|
6.6
|
54.1
|
78
|
6,615,000
|
43,173
|
3,932,054,687
|
134
|
12,234,052
|
40-44
|
59.6
|
5.6
|
63.3
|
113
|
10,285,000
|
39,358
|
3,386,683,200
|
190
|
16,247,510
|
45-49
|
57.2
|
5.2
|
50.1
|
120
|
7,970,590
|
29,113
|
2,211,083,159
|
211
|
15,905,170
|
50-54
|
47.7
|
5.7
|
54.5
|
71
|
5,601,000
|
14,251
|
994,684,294
|
149
|
10,269,825
|
55-59
|
53.4
|
8.4
|
42.5
|
40
|
1,892,600
|
5,067
|
300,847,576
|
75
|
4,452,653
|
60+
|
40.1
|
12.7
|
33.7
|
10
|
370,000
|
1,166
|
52,974,979
|
25
|
1,097,857
|
Total
|
55.0
|
2.4
|
54.8
|
506
|
39,604,390
|
220,471
|
18,576,819,167
|
920
|
72,234,615
|
By Attained Age
|
20-24
|
42.1
|
29.7
|
37.5
|
2
|
150,000
|
6,745
|
567,653,629
|
5
|
400,076
|
25-29
|
36.6
|
12.2
|
32.6
|
9
|
675,000
|
23,815
|
2,011,941,649
|
25
|
2,071,574
|
30-34
|
46.7
|
9.2
|
71.5
|
26
|
3,440,000
|
35,770
|
3,090,127,410
|
56
|
4,808,222
|
35-39
|
56.4
|
7.7
|
48.9
|
53
|
4,180,200
|
39,945
|
3,620,710,699
|
94
|
8,556,427
|
40-44
|
59.8
|
6.5
|
55.7
|
84
|
7,135,000
|
39,118
|
3,565,064,357
|
141
|
12,807,558
|
45-49
|
58.3
|
5.5
|
61.0
|
111
|
9,613,100
|
34,921
|
2,889,638,736
|
191
|
15,760,258
|
50-54
|
56.4
|
5.5
|
45.7
|
107
|
6,587,490
|
23,653
|
1,797,626,133
|
190
|
14,416,166
|
55-59
|
46.7
|
6.0
|
62.8
|
61
|
5,451,000
|
11,411
|
756,323,631
|
131
|
8,679,353
|
60-64
|
63.1
|
9.8
|
43.6
|
41
|
1,632,600
|
4,073
|
233,348,579
|
65
|
3,741,939
|
65+
|
47.3
|
14.3
|
74.5
|
11
|
740,000
|
1,021
|
44,384,344
|
23
|
993,042
|
Total
|
55.0
|
2.4
|
54.8
|
506
|
39,604,390
|
220,471
|
18,576,819,167
|
920
|
72,234,615
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.10
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.2
|
12.0
|
21.2
|
4
|
280,000
|
6,667
|
551,428,783
|
17
|
1,317,647
|
2
|
52.6
|
15.8
|
52.8
|
11
|
865,000
|
7,179
|
598,427,725
|
21
|
1,638,738
|
3
|
56.9
|
15.2
|
74.1
|
14
|
1,420,000
|
7,412
|
621,341,606
|
25
|
1,916,163
|
4
|
55.7
|
13.5
|
44.9
|
17
|
1,070,000
|
8,188
|
696,588,762
|
31
|
2,383,161
|
5
|
71.1
|
13.9
|
75.6
|
26
|
2,210,000
|
8,658
|
746,586,640
|
37
|
2,924,412
|
6
|
68.6
|
13.0
|
76.9
|
28
|
2,565,750
|
8,716
|
763,268,971
|
41
|
3,338,503
|
7+
|
73.6
|
7.9
|
72.5
|
87
|
7,460,000
|
21,074
|
1,921,530,804
|
118
|
10,286,616
|
Total
|
64.8
|
4.7
|
66.7
|
187
|
15,870,750
|
67,894
|
5,899,173,291
|
289
|
23,805,239
|
By Issue Age
|
20-24
|
76.9
|
44.4
|
76.6
|
3
|
250,000
|
4,280
|
357,537,316
|
4
|
326,547
|
25-29
|
62.2
|
20.7
|
77.4
|
9
|
1,010,000
|
10,526
|
940,804,362
|
15
|
1,305,466
|
30-34
|
72.4
|
15.8
|
61.3
|
21
|
1,745,000
|
13,262
|
1,279,682,578
|
29
|
2,844,772
|
35-39
|
74.0
|
12.7
|
74.5
|
34
|
3,145,000
|
13,606
|
1,245,531,560
|
46
|
4,223,291
|
40-44
|
80.5
|
11.3
|
84.1
|
51
|
4,545,750
|
12,169
|
1,031,731,666
|
63
|
5,404,400
|
45-49
|
55.7
|
9.3
|
55.4
|
36
|
2,750,000
|
8,439
|
649,265,303
|
65
|
4,963,312
|
50-54
|
53.1
|
10.8
|
51.8
|
24
|
1,730,000
|
4,190
|
305,087,962
|
45
|
3,339,650
|
55-59
|
37.9
|
14.3
|
50.5
|
7
|
620,000
|
1,249
|
81,015,929
|
18
|
1,227,215
|
60+
|
57.9
|
41.0
|
44.0
|
2
|
75,000
|
174
|
8,516,615
|
3
|
170,586
|
Total
|
64.8
|
4.7
|
66.7
|
187
|
15,870,750
|
67,894
|
5,899,173,291
|
289
|
23,805,239
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,540
|
126,615,883
|
1
|
87,989
|
25-29
|
30.9
|
21.8
|
31.8
|
2
|
175,000
|
6,313
|
538,090,572
|
6
|
551,020
|
30-34
|
63.0
|
19.9
|
65.0
|
10
|
925,000
|
10,356
|
927,242,073
|
16
|
1,423,228
|
35-39
|
83.6
|
17.1
|
83.0
|
24
|
2,240,000
|
12,322
|
1,160,055,363
|
29
|
2,699,000
|
40-44
|
69.6
|
12.5
|
66.9
|
31
|
2,730,000
|
12,582
|
1,161,037,408
|
45
|
4,081,657
|
45-49
|
76.8
|
11.2
|
82.1
|
47
|
4,245,750
|
11,390
|
967,576,135
|
61
|
5,170,185
|
50-54
|
59.7
|
9.8
|
57.5
|
37
|
2,790,000
|
7,895
|
620,544,990
|
62
|
4,855,104
|
55-59
|
51.5
|
10.7
|
48.4
|
23
|
1,545,000
|
4,002
|
287,249,755
|
45
|
3,191,667
|
60+
|
54.6
|
15.1
|
69.9
|
13
|
1,220,000
|
1,494
|
110,761,111
|
24
|
1,745,389
|
Total
|
64.8
|
4.7
|
66.7
|
187
|
15,870,750
|
67,894
|
5,899,173,291
|
289
|
23,805,239
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.11
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
52.5
|
1.6
|
57.6
|
1,044
|
79,456,551
|
378,992
|
29,852,105,830
|
1,990
|
138,057,730
|
Total
|
52.5
|
1.6
|
57.6
|
1,044
|
79,456,551
|
378,992
|
29,852,105,830
|
1,990
|
138,057,730
|
By Issue Age
|
20-34
|
56.9
|
5.4
|
62.4
|
111
|
11,131,353
|
117,598
|
10,646,336,196
|
195
|
17,842,018
|
35-39
|
64.6
|
5.3
|
73.7
|
147
|
14,539,025
|
70,458
|
6,098,540,517
|
228
|
19,724,242
|
40-44
|
63.1
|
4.3
|
62.9
|
217
|
17,088,236
|
70,129
|
5,521,221,777
|
344
|
27,154,013
|
45-49
|
50.8
|
3.5
|
52.9
|
216
|
15,576,752
|
58,253
|
4,028,708,653
|
426
|
29,470,424
|
50-54
|
43.9
|
3.3
|
43.3
|
176
|
10,558,325
|
38,382
|
2,333,147,391
|
401
|
24,406,968
|
55-59
|
48.5
|
4.4
|
61.1
|
121
|
8,374,266
|
17,235
|
946,361,407
|
250
|
13,711,906
|
60+
|
37.7
|
5.1
|
38.1
|
55
|
2,188,594
|
6,938
|
277,789,888
|
146
|
5,748,159
|
Total
|
52.5
|
1.6
|
57.6
|
1,044
|
79,456,551
|
378,992
|
29,852,105,830
|
1,990
|
138,057,730
|
By Attained Age
|
20-44
|
57.1
|
3.4
|
62.0
|
274
|
25,872,933
|
206,702
|
18,136,518,963
|
481
|
41,725,008
|
45-49
|
63.8
|
4.3
|
67.5
|
224
|
18,025,842
|
65,610
|
4,998,153,618
|
352
|
26,699,278
|
50-54
|
50.0
|
3.5
|
52.6
|
205
|
14,713,847
|
52,081
|
3,563,222,008
|
411
|
27,958,745
|
55-59
|
46.6
|
3.5
|
53.0
|
174
|
12,152,349
|
33,290
|
2,050,769,814
|
374
|
22,920,197
|
60-64
|
47.3
|
4.5
|
50.0
|
112
|
6,437,872
|
15,246
|
834,685,573
|
237
|
12,872,649
|
65+
|
39.6
|
5.4
|
38.3
|
54
|
2,253,708
|
6,064
|
268,755,854
|
136
|
5,881,853
|
Total
|
52.5
|
1.6
|
57.6
|
1,044
|
79,456,551
|
378,992
|
29,852,105,830
|
1,990
|
138,057,730
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 8.12
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.3
|
4.5
|
28.2
|
31
|
2,162,500
|
41,347
|
2,764,488,297
|
123
|
7,673,924
|
2
|
56.5
|
7.2
|
52.3
|
61
|
3,485,000
|
34,465
|
2,271,853,822
|
108
|
6,666,063
|
3
|
46.6
|
7.0
|
57.1
|
44
|
3,225,000
|
28,252
|
1,821,831,106
|
94
|
5,649,387
|
4
|
86.4
|
10.3
|
88.1
|
70
|
4,077,650
|
22,717
|
1,406,592,602
|
81
|
4,629,669
|
5
|
59.0
|
9.1
|
62.7
|
42
|
2,406,000
|
18,875
|
1,108,498,647
|
71
|
3,838,206
|
6
|
68.8
|
10.7
|
66.6
|
41
|
2,020,000
|
14,947
|
826,273,032
|
60
|
3,032,859
|
7+
|
64.0
|
6.9
|
61.3
|
85
|
4,462,500
|
27,500
|
1,552,312,927
|
133
|
7,274,190
|
Total
|
55.8
|
2.9
|
56.3
|
374
|
21,838,650
|
188,104
|
11,751,850,434
|
670
|
38,764,298
|
By Issue Age
|
20-44
|
62.3
|
4.3
|
60.3
|
213
|
13,456,250
|
152,319
|
9,858,623,535
|
342
|
22,313,280
|
45-49
|
57.0
|
6.9
|
55.2
|
69
|
3,832,500
|
17,971
|
1,044,752,433
|
121
|
6,936,843
|
50-54
|
44.7
|
6.5
|
44.7
|
47
|
2,380,000
|
10,921
|
559,843,226
|
105
|
5,328,369
|
55-59
|
43.0
|
7.6
|
54.6
|
32
|
1,716,000
|
5,413
|
232,470,654
|
75
|
3,145,578
|
60-64
|
41.7
|
13.2
|
37.3
|
10
|
333,900
|
1,335
|
49,759,793
|
24
|
894,777
|
65+
|
91.7
|
52.9
|
82.5
|
3
|
120,000
|
145
|
6,400,792
|
3
|
145,450
|
Total
|
55.8
|
2.9
|
56.3
|
374
|
21,838,650
|
188,104
|
11,751,850,434
|
670
|
38,764,298
|
By Attained Age
|
20-44
|
59.2
|
4.7
|
56.2
|
159
|
10,026,250
|
138,765
|
9,032,531,976
|
268
|
17,828,063
|
45-49
|
57.1
|
7.0
|
62.3
|
67
|
4,440,000
|
21,846
|
1,332,906,158
|
118
|
7,131,512
|
50-54
|
60.3
|
7.1
|
57.9
|
71
|
3,710,000
|
14,945
|
815,814,716
|
118
|
6,410,708
|
55-59
|
51.1
|
7.4
|
45.0
|
47
|
1,948,500
|
8,114
|
385,649,588
|
92
|
4,328,707
|
60-64
|
35.4
|
7.9
|
53.2
|
20
|
1,220,000
|
3,589
|
147,799,835
|
56
|
2,292,386
|
65+
|
56.5
|
17.9
|
63.9
|
10
|
493,900
|
845
|
37,148,161
|
18
|
772,921
|
Total
|
55.8
|
2.9
|
56.3
|
374
|
21,838,650
|
188,104
|
11,751,850,434
|
670
|
38,764,298
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 9.1
TOTAL EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2004
|
49.2
|
3.0
|
55.3
|
272
|
24,392,547
|
135,726
|
11,472,537,059
|
553
|
44,105,802
|
2005
|
51.7
|
2.7
|
56.8
|
379
|
33,409,514
|
175,632
|
14,942,007,240
|
733
|
58,867,640
|
2006
|
50.1
|
2.4
|
53.6
|
454
|
39,379,868
|
208,950
|
17,992,119,002
|
905
|
73,408,982
|
2007
|
56.4
|
2.3
|
62.7
|
607
|
55,079,901
|
239,005
|
20,719,905,965
|
1,076
|
87,864,512
|
2008
|
53.7
|
2.1
|
55.7
|
670
|
57,221,885
|
265,397
|
23,341,820,552
|
1,249
|
102,741,937
|
2009
|
55.1
|
2.0
|
55.2
|
788
|
65,417,457
|
293,975
|
25,956,982,231
|
1,429
|
118,506,096
|
2010
|
51.6
|
1.8
|
51.0
|
832
|
68,799,054
|
321,471
|
28,433,495,842
|
1,614
|
134,850,224
|
2011
|
47.7
|
1.6
|
49.2
|
864
|
75,083,168
|
349,751
|
30,988,803,816
|
1,812
|
152,509,433
|
Total
|
51.9
|
0.7
|
54.2
|
4,866
|
418,783,394
|
1,989,909
|
173,847,671,706
|
9,372
|
772,854,626
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 9.2
MALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2004
|
49.7
|
4.2
|
55.8
|
142
|
14,366,902
|
66,988
|
6,351,907,146
|
286
|
25,764,830
|
2005
|
50.6
|
3.7
|
54.1
|
191
|
18,577,893
|
86,190
|
8,219,583,650
|
378
|
34,353,004
|
2006
|
48.8
|
3.2
|
53.5
|
228
|
22,996,510
|
102,559
|
9,902,203,705
|
468
|
43,019,395
|
2007
|
55.4
|
3.2
|
60.6
|
309
|
31,245,783
|
117,144
|
11,380,118,562
|
557
|
51,554,761
|
2008
|
50.3
|
2.8
|
49.4
|
326
|
29,824,928
|
129,707
|
12,827,449,228
|
647
|
60,315,802
|
2009
|
52.8
|
2.7
|
51.9
|
391
|
36,253,193
|
142,884
|
14,237,195,708
|
741
|
69,802,421
|
2010
|
47.5
|
2.4
|
48.5
|
398
|
38,603,287
|
155,248
|
15,534,097,988
|
838
|
79,612,460
|
2011
|
46.0
|
2.2
|
46.3
|
433
|
41,811,931
|
168,014
|
16,900,858,018
|
941
|
90,239,127
|
Total
|
49.8
|
1.0
|
51.4
|
2,419
|
233,680,427
|
968,734
|
95,353,414,005
|
4,856
|
454,661,799
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 9.3
FEMALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2004
|
48.6
|
4.3
|
54.7
|
130
|
10,025,645
|
68,739
|
5,120,629,913
|
268
|
18,340,973
|
2005
|
52.9
|
3.9
|
60.5
|
188
|
14,831,621
|
89,442
|
6,722,423,590
|
355
|
24,514,636
|
2006
|
51.5
|
3.4
|
53.9
|
225
|
16,383,358
|
106,391
|
8,089,915,297
|
437
|
30,389,587
|
2007
|
57.3
|
3.3
|
65.6
|
298
|
23,834,118
|
121,861
|
9,339,787,403
|
519
|
36,309,751
|
2008
|
57.3
|
3.1
|
64.6
|
344
|
27,396,957
|
135,690
|
10,514,371,324
|
601
|
42,426,135
|
2009
|
57.7
|
2.9
|
59.9
|
397
|
29,164,264
|
151,091
|
11,719,786,523
|
688
|
48,703,675
|
2010
|
55.9
|
2.7
|
54.7
|
434
|
30,195,767
|
166,224
|
12,899,397,853
|
776
|
55,237,765
|
2011
|
49.4
|
2.4
|
53.4
|
431
|
33,271,237
|
181,738
|
14,087,945,798
|
871
|
62,270,307
|
Total
|
54.2
|
1.1
|
58.2
|
2,447
|
185,102,967
|
1,021,175
|
78,494,257,701
|
4,515
|
318,192,827
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.1
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.9
|
3.2
|
24.0
|
55
|
5,373,100
|
49,416
|
5,548,032,119
|
232
|
22,374,887
|
2
|
41.9
|
4.5
|
40.4
|
88
|
8,374,133
|
39,693
|
4,604,827,635
|
211
|
20,732,709
|
3
|
44.4
|
4.9
|
65.6
|
82
|
11,797,344
|
30,471
|
3,599,337,336
|
184
|
17,975,974
|
4
|
55.0
|
5.9
|
65.3
|
88
|
9,560,000
|
24,092
|
2,748,288,250
|
160
|
14,644,719
|
5
|
52.8
|
5.9
|
55.0
|
81
|
7,187,500
|
20,900
|
2,263,903,197
|
154
|
13,063,475
|
6
|
41.1
|
5.3
|
41.0
|
60
|
4,845,106
|
18,002
|
1,872,714,005
|
146
|
11,826,418
|
7+
|
54.6
|
3.6
|
62.1
|
225
|
19,717,390
|
40,682
|
3,960,019,101
|
412
|
31,748,310
|
Total
|
45.4
|
1.7
|
50.5
|
680
|
66,854,573
|
223,255
|
24,597,121,644
|
1,500
|
132,366,492
|
By Issue Age
|
20-24
|
91.3
|
37.3
|
67.3
|
6
|
485,000
|
8,328
|
909,752,283
|
7
|
721,099
|
25-29
|
52.1
|
15.0
|
55.4
|
12
|
1,440,000
|
20,188
|
2,281,460,582
|
23
|
2,597,809
|
30-34
|
52.3
|
10.3
|
71.3
|
26
|
4,500,000
|
28,513
|
3,668,444,416
|
50
|
6,308,377
|
35-39
|
59.1
|
8.0
|
73.1
|
55
|
8,955,000
|
33,355
|
4,490,090,963
|
93
|
12,248,274
|
40-44
|
54.1
|
5.5
|
51.3
|
97
|
12,078,822
|
38,641
|
5,229,615,390
|
180
|
23,561,821
|
45-49
|
46.3
|
4.1
|
46.4
|
128
|
14,090,773
|
36,299
|
4,111,062,672
|
275
|
30,385,397
|
50-54
|
42.8
|
3.2
|
40.8
|
184
|
12,843,978
|
35,382
|
2,627,182,380
|
431
|
31,503,694
|
55-59
|
42.9
|
3.8
|
49.3
|
129
|
8,957,500
|
16,937
|
1,016,729,640
|
300
|
18,177,942
|
60-64
|
32.3
|
5.2
|
55.8
|
38
|
3,270,000
|
4,879
|
232,761,816
|
118
|
5,856,649
|
65+
|
21.8
|
9.6
|
23.2
|
5
|
233,500
|
734
|
30,021,502
|
23
|
1,005,430
|
Total
|
45.4
|
1.7
|
50.5
|
680
|
66,854,573
|
223,255
|
24,597,121,644
|
1,500
|
132,366,492
|
By Attained Age
|
20-24
|
34.5
|
34.5
|
33.5
|
1
|
100,000
|
4,310
|
444,055,852
|
3
|
298,461
|
25-29
|
65.9
|
22.0
|
76.9
|
9
|
1,125,000
|
14,519
|
1,580,361,663
|
14
|
1,463,872
|
30-34
|
67.1
|
14.3
|
58.9
|
22
|
2,325,000
|
23,757
|
2,915,872,208
|
33
|
3,950,378
|
35-39
|
28.3
|
6.9
|
42.5
|
17
|
3,350,000
|
29,203
|
3,908,772,228
|
60
|
7,880,111
|
40-44
|
59.2
|
7.2
|
65.3
|
68
|
10,484,354
|
34,698
|
4,888,426,169
|
115
|
16,046,502
|
45-49
|
53.0
|
5.1
|
54.2
|
107
|
13,944,090
|
37,027
|
4,719,488,557
|
203
|
25,719,483
|
50-54
|
43.1
|
3.7
|
40.9
|
136
|
12,364,784
|
35,128
|
3,360,361,884
|
315
|
30,213,423
|
55-59
|
42.0
|
3.3
|
46.2
|
161
|
12,474,345
|
27,512
|
1,899,887,779
|
383
|
27,019,890
|
60-64
|
44.9
|
4.2
|
55.7
|
116
|
8,157,500
|
12,949
|
702,681,666
|
259
|
14,644,255
|
65+
|
37.2
|
5.7
|
49.3
|
43
|
2,529,500
|
4,151
|
177,213,638
|
116
|
5,130,117
|
Total
|
45.4
|
1.7
|
50.5
|
680
|
66,854,573
|
223,255
|
24,597,121,644
|
1,500
|
132,366,492
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.2
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
52.0
|
2.6
|
56.8
|
393
|
39,647,821
|
147,656
|
13,728,788,681
|
756
|
69,766,167
|
Total
|
52.0
|
2.6
|
56.8
|
393
|
39,647,821
|
147,656
|
13,728,788,681
|
756
|
69,766,167
|
By Issue Age
|
20-44
|
52.3
|
4.5
|
57.8
|
136
|
15,375,085
|
100,961
|
9,836,491,151
|
260
|
26,611,850
|
45-49
|
56.5
|
5.7
|
61.5
|
99
|
10,379,200
|
24,505
|
2,209,728,992
|
176
|
16,886,517
|
50+
|
49.4
|
3.9
|
52.9
|
158
|
13,893,536
|
22,190
|
1,682,568,538
|
319
|
26,267,799
|
Total
|
52.0
|
2.6
|
56.8
|
393
|
39,647,821
|
147,656
|
13,728,788,681
|
756
|
69,766,167
|
By Attained Age
|
20+
|
52.0
|
2.6
|
56.8
|
393
|
39,647,821
|
147,656
|
13,728,788,681
|
756
|
69,766,167
|
Total
|
52.0
|
2.6
|
56.8
|
393
|
39,647,821
|
147,656
|
13,728,788,681
|
756
|
69,766,167
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.3
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.0
|
2.6
|
25.9
|
94
|
5,702,500
|
160,258
|
10,791,757,393
|
378
|
22,058,500
|
2
|
54.7
|
3.9
|
61.5
|
196
|
12,906,887
|
139,362
|
9,383,970,345
|
359
|
21,000,428
|
3
|
55.3
|
4.0
|
56.0
|
189
|
11,274,224
|
120,079
|
8,089,795,688
|
342
|
20,125,668
|
4
|
58.0
|
4.3
|
59.6
|
184
|
11,085,968
|
100,757
|
6,734,635,436
|
318
|
18,603,541
|
5
|
52.6
|
4.3
|
53.9
|
148
|
8,669,249
|
82,809
|
5,425,967,217
|
282
|
16,074,670
|
6
|
62.0
|
5.1
|
64.2
|
149
|
8,628,500
|
65,057
|
4,157,846,849
|
241
|
13,447,659
|
7+
|
62.0
|
3.4
|
64.7
|
339
|
19,660,587
|
117,250
|
7,312,634,660
|
546
|
30,404,549
|
Total
|
52.7
|
1.5
|
55.0
|
1,300
|
77,927,915
|
785,571
|
51,896,607,588
|
2,465
|
141,715,015
|
By Issue Age
|
20-39
|
53.8
|
2.4
|
54.9
|
508
|
36,740,737
|
562,362
|
40,122,957,026
|
944
|
66,887,201
|
40-44
|
53.3
|
3.3
|
54.1
|
268
|
15,784,615
|
111,161
|
6,620,374,120
|
502
|
29,165,264
|
45-49
|
53.7
|
3.1
|
56.4
|
301
|
15,281,713
|
76,134
|
3,699,848,403
|
560
|
27,078,631
|
50+
|
48.8
|
3.3
|
54.5
|
224
|
10,120,850
|
35,914
|
1,453,428,040
|
459
|
18,583,919
|
Total
|
52.7
|
1.5
|
55.0
|
1,300
|
77,927,915
|
785,571
|
51,896,607,588
|
2,465
|
141,715,015
|
By Attained Age
|
20-44
|
52.0
|
2.2
|
52.9
|
570
|
40,387,611
|
609,464
|
43,091,107,266
|
1,096
|
76,312,719
|
45-49
|
50.8
|
3.1
|
55.9
|
263
|
15,626,341
|
95,842
|
5,223,571,713
|
518
|
27,943,974
|
50-54
|
56.2
|
3.4
|
57.0
|
268
|
12,707,768
|
55,430
|
2,586,879,372
|
477
|
22,288,088
|
55-59
|
58.1
|
4.7
|
66.3
|
150
|
7,202,595
|
19,260
|
797,163,247
|
259
|
10,862,404
|
60-64
|
41.6
|
6.6
|
47.1
|
40
|
1,593,600
|
4,934
|
169,601,242
|
96
|
3,382,265
|
65+
|
49.3
|
16.4
|
44.3
|
9
|
410,000
|
641
|
28,284,748
|
18
|
925,566
|
Total
|
52.7
|
1.5
|
55.0
|
1,300
|
77,927,915
|
785,571
|
51,896,607,588
|
2,465
|
141,715,015
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.4
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.7
|
4.1
|
22.3
|
25
|
3,079,500
|
25,003
|
3,360,112,058
|
122
|
13,815,879
|
2
|
36.7
|
5.7
|
37.0
|
41
|
4,774,000
|
20,311
|
2,798,251,234
|
112
|
12,894,981
|
3
|
46.4
|
6.8
|
72.8
|
46
|
8,211,854
|
15,845
|
2,204,107,569
|
100
|
11,278,342
|
4
|
54.8
|
7.9
|
58.7
|
48
|
5,400,000
|
12,701
|
1,681,489,477
|
88
|
9,195,634
|
5
|
55.4
|
8.1
|
55.8
|
47
|
4,568,500
|
10,978
|
1,367,720,644
|
85
|
8,189,890
|
6
|
34.4
|
6.5
|
29.9
|
28
|
2,225,615
|
9,418
|
1,125,777,149
|
82
|
7,452,566
|
7+
|
56.8
|
4.9
|
68.9
|
133
|
13,916,116
|
21,133
|
2,354,263,641
|
234
|
20,185,947
|
Total
|
44.8
|
2.3
|
50.8
|
369
|
42,175,585
|
115,389
|
14,891,721,772
|
824
|
83,013,239
|
By Issue Age
|
20-24
|
69.4
|
49.1
|
59.0
|
2
|
200,000
|
4,009
|
468,867,221
|
3
|
338,900
|
25-29
|
70.4
|
26.6
|
83.0
|
7
|
1,050,000
|
9,847
|
1,243,364,207
|
10
|
1,264,983
|
30-34
|
55.6
|
15.4
|
80.5
|
13
|
2,800,000
|
15,129
|
2,250,455,603
|
23
|
3,479,179
|
35-39
|
55.0
|
10.8
|
82.2
|
26
|
5,880,000
|
18,402
|
2,837,931,128
|
47
|
7,149,575
|
40-44
|
48.6
|
7.0
|
49.6
|
48
|
7,418,822
|
21,636
|
3,387,838,911
|
99
|
14,960,152
|
45-49
|
41.9
|
5.2
|
38.9
|
65
|
7,560,115
|
19,322
|
2,520,361,845
|
156
|
19,444,299
|
50-54
|
45.8
|
4.3
|
39.5
|
111
|
7,918,648
|
17,102
|
1,478,803,478
|
243
|
20,027,079
|
55-59
|
41.7
|
5.0
|
53.7
|
70
|
6,364,500
|
7,698
|
561,330,664
|
169
|
11,862,175
|
60-64
|
41.3
|
8.3
|
75.7
|
25
|
2,880,000
|
1,933
|
125,612,785
|
60
|
3,806,227
|
65+
|
8.7
|
8.3
|
15.2
|
1
|
103,500
|
311
|
17,155,930
|
13
|
680,669
|
Total
|
44.8
|
2.3
|
50.8
|
369
|
42,175,585
|
115,389
|
14,891,721,772
|
824
|
83,013,239
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,024
|
224,491,340
|
1
|
142,675
|
25-29
|
88.3
|
39.5
|
123.5
|
5
|
850,000
|
6,850
|
832,699,519
|
6
|
687,989
|
30-34
|
61.7
|
20.6
|
54.2
|
9
|
1,125,000
|
12,110
|
1,714,675,291
|
15
|
2,077,022
|
35-39
|
24.5
|
9.3
|
41.0
|
7
|
1,825,000
|
15,853
|
2,461,285,016
|
29
|
4,446,118
|
40-44
|
62.0
|
10.2
|
78.2
|
37
|
7,559,354
|
19,433
|
3,128,483,274
|
60
|
9,672,381
|
45-49
|
42.7
|
6.2
|
44.2
|
48
|
7,258,500
|
20,632
|
3,015,458,174
|
113
|
16,426,522
|
50-54
|
40.6
|
4.8
|
37.3
|
71
|
7,152,083
|
17,887
|
1,980,123,669
|
175
|
19,151,852
|
55-59
|
45.6
|
4.6
|
46.7
|
100
|
8,145,648
|
13,135
|
1,057,040,893
|
218
|
17,440,638
|
60-64
|
44.1
|
5.5
|
63.8
|
64
|
6,195,500
|
5,758
|
386,603,790
|
146
|
9,716,507
|
65+
|
45.4
|
8.6
|
63.5
|
28
|
2,064,500
|
1,707
|
90,860,806
|
62
|
3,251,534
|
Total
|
44.8
|
2.3
|
50.8
|
369
|
42,175,585
|
115,389
|
14,891,721,772
|
824
|
83,013,239
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.5
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
52.5
|
3.7
|
51.3
|
199
|
21,854,085
|
68,164
|
7,671,406,998
|
378
|
42,593,081
|
Total
|
52.5
|
3.7
|
51.3
|
199
|
21,854,085
|
68,164
|
7,671,406,998
|
378
|
42,593,081
|
By Issue Age
|
20-54
|
48.5
|
4.1
|
48.6
|
140
|
16,429,585
|
64,629
|
7,332,238,580
|
290
|
33,780,712
|
55-59
|
70.9
|
11.2
|
66.8
|
40
|
3,769,500
|
2,575
|
246,597,673
|
57
|
5,640,089
|
60+
|
56.8
|
13.4
|
52.2
|
18
|
1,655,000
|
959
|
92,570,745
|
32
|
3,172,280
|
Total
|
52.5
|
3.7
|
51.3
|
199
|
21,854,085
|
68,164
|
7,671,406,998
|
378
|
42,593,081
|
By Attained Age
|
20+
|
52.5
|
3.7
|
51.3
|
199
|
21,854,085
|
68,164
|
7,671,406,998
|
378
|
42,593,081
|
Total
|
52.5
|
3.7
|
51.3
|
199
|
21,854,085
|
68,164
|
7,671,406,998
|
378
|
42,593,081
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.6
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
39.3
|
3.5
|
40.3
|
127
|
8,146,417
|
139,702
|
10,031,256,478
|
324
|
20,226,965
|
3
|
57.1
|
6.1
|
57.3
|
88
|
5,597,524
|
56,430
|
4,057,876,252
|
155
|
9,762,234
|
4
|
50.2
|
5.9
|
53.0
|
73
|
4,818,608
|
47,336
|
3,374,917,964
|
146
|
9,088,743
|
5
|
51.9
|
6.3
|
51.7
|
67
|
4,057,500
|
38,786
|
2,707,317,125
|
129
|
7,845,981
|
6
|
47.9
|
6.6
|
56.4
|
53
|
3,699,000
|
30,272
|
2,062,806,159
|
111
|
6,563,688
|
7+
|
56.6
|
4.6
|
59.2
|
148
|
9,234,064
|
54,715
|
3,660,897,797
|
262
|
15,595,859
|
Total
|
49.5
|
2.1
|
51.5
|
557
|
35,553,113
|
367,242
|
25,895,071,775
|
1,127
|
69,083,470
|
By Issue Age
|
20-39
|
51.1
|
3.6
|
54.4
|
199
|
16,064,440
|
265,230
|
19,957,414,539
|
390
|
29,545,312
|
40-44
|
47.2
|
4.6
|
43.7
|
107
|
6,325,762
|
51,866
|
3,383,517,582
|
228
|
14,486,156
|
45-49
|
50.8
|
4.3
|
55.3
|
138
|
7,903,800
|
34,638
|
1,839,362,247
|
273
|
14,289,114
|
50-54
|
57.1
|
6.2
|
59.2
|
84
|
4,197,861
|
11,518
|
554,987,575
|
147
|
7,087,112
|
55-59
|
32.3
|
6.6
|
26.5
|
24
|
751,250
|
3,531
|
136,014,184
|
75
|
2,839,210
|
60-64
|
33.0
|
16.5
|
53.4
|
4
|
310,000
|
405
|
18,221,702
|
12
|
581,037
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
55
|
5,553,945
|
2
|
255,529
|
Total
|
49.5
|
2.1
|
51.5
|
557
|
35,553,113
|
367,242
|
25,895,071,775
|
1,127
|
69,083,470
|
By Attained Age
|
20-44
|
48.3
|
3.3
|
50.9
|
220
|
17,325,983
|
287,591
|
21,498,015,404
|
456
|
34,009,268
|
45-49
|
46.1
|
4.4
|
48.4
|
110
|
6,776,219
|
44,039
|
2,625,613,440
|
237
|
13,999,009
|
50-54
|
55.5
|
4.8
|
58.7
|
132
|
7,073,816
|
24,998
|
1,281,338,205
|
237
|
12,051,831
|
55-59
|
53.0
|
6.2
|
53.5
|
72
|
3,412,095
|
8,340
|
394,109,039
|
136
|
6,372,602
|
60+
|
39.6
|
8.1
|
36.4
|
24
|
965,000
|
2,273
|
95,995,687
|
61
|
2,650,759
|
Total
|
49.5
|
2.1
|
51.5
|
557
|
35,553,113
|
367,242
|
25,895,071,775
|
1,127
|
69,083,470
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.7
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
5.0
|
26.8
|
30
|
2,293,600
|
24,413
|
2,187,920,060
|
110
|
8,559,008
|
2
|
47.9
|
7.0
|
45.9
|
47
|
3,600,133
|
19,382
|
1,806,576,401
|
99
|
7,837,729
|
3
|
42.0
|
7.1
|
53.5
|
35
|
3,585,490
|
14,626
|
1,395,229,767
|
84
|
6,697,632
|
4
|
55.3
|
8.7
|
76.3
|
40
|
4,160,000
|
11,391
|
1,066,798,774
|
72
|
5,449,084
|
5
|
49.7
|
8.5
|
53.7
|
34
|
2,619,000
|
9,922
|
896,182,553
|
68
|
4,873,585
|
6
|
49.7
|
8.8
|
59.9
|
32
|
2,619,491
|
8,583
|
746,936,856
|
64
|
4,373,851
|
7+
|
51.7
|
5.4
|
50.2
|
92
|
5,801,274
|
19,548
|
1,605,755,461
|
178
|
11,562,363
|
Total
|
46.0
|
2.6
|
50.0
|
311
|
24,678,988
|
107,866
|
9,705,399,871
|
676
|
49,353,253
|
By Issue Age
|
20-24
|
108.4
|
54.2
|
74.6
|
4
|
285,000
|
4,318
|
440,885,063
|
4
|
382,199
|
25-29
|
38.2
|
17.1
|
29.3
|
5
|
390,000
|
10,341
|
1,038,096,375
|
13
|
1,332,827
|
30-34
|
49.4
|
13.7
|
60.1
|
13
|
1,700,000
|
13,384
|
1,417,988,813
|
26
|
2,829,198
|
35-39
|
63.4
|
11.8
|
60.3
|
29
|
3,075,000
|
14,953
|
1,652,159,834
|
46
|
5,098,699
|
40-44
|
60.9
|
8.7
|
54.2
|
49
|
4,660,000
|
17,005
|
1,841,776,479
|
81
|
8,601,668
|
45-49
|
52.1
|
6.6
|
59.7
|
62
|
6,530,658
|
16,977
|
1,590,700,826
|
120
|
10,941,098
|
50-54
|
38.9
|
4.6
|
42.9
|
73
|
4,925,330
|
18,280
|
1,148,378,902
|
188
|
11,476,615
|
55-59
|
44.4
|
5.8
|
41.1
|
58
|
2,593,000
|
9,239
|
455,398,976
|
131
|
6,315,767
|
60-64
|
22.7
|
6.3
|
19.0
|
13
|
390,000
|
2,946
|
107,149,031
|
57
|
2,050,422
|
65+
|
37.2
|
18.6
|
40.0
|
4
|
130,000
|
423
|
12,865,572
|
11
|
324,761
|
Total
|
46.0
|
2.6
|
50.0
|
311
|
24,678,988
|
107,866
|
9,705,399,871
|
676
|
49,353,253
|
By Attained Age
|
20-24
|
61.8
|
61.8
|
64.2
|
1
|
100,000
|
2,286
|
219,564,512
|
2
|
155,786
|
25-29
|
50.1
|
25.1
|
35.4
|
4
|
275,000
|
7,670
|
747,662,144
|
8
|
775,884
|
30-34
|
71.5
|
19.8
|
64.1
|
13
|
1,200,000
|
11,646
|
1,201,196,917
|
18
|
1,873,356
|
35-39
|
31.6
|
10.0
|
44.4
|
10
|
1,525,000
|
13,350
|
1,447,487,212
|
32
|
3,433,992
|
40-44
|
56.2
|
10.1
|
45.9
|
31
|
2,925,000
|
15,265
|
1,759,942,895
|
55
|
6,374,121
|
45-49
|
66.0
|
8.6
|
71.9
|
59
|
6,685,590
|
16,395
|
1,704,030,383
|
90
|
9,292,961
|
50-54
|
46.1
|
5.7
|
47.1
|
64
|
5,212,701
|
17,241
|
1,380,238,215
|
140
|
11,061,571
|
55-59
|
37.1
|
4.7
|
45.2
|
61
|
4,328,697
|
14,378
|
842,846,885
|
165
|
9,579,252
|
60-64
|
45.9
|
6.4
|
39.8
|
52
|
1,962,000
|
7,192
|
316,077,876
|
113
|
4,927,747
|
65+
|
27.8
|
7.2
|
24.8
|
15
|
465,000
|
2,444
|
86,352,833
|
54
|
1,878,584
|
Total
|
46.0
|
2.6
|
50.0
|
311
|
24,678,988
|
107,866
|
9,705,399,871
|
676
|
49,353,253
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.8
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.1
|
3.3
|
26.7
|
49
|
3,152,500
|
85,697
|
5,437,365,097
|
214
|
11,795,867
|
2
|
57.2
|
5.4
|
66.2
|
114
|
7,310,470
|
74,221
|
4,707,106,163
|
199
|
11,036,096
|
3
|
53.8
|
5.4
|
54.8
|
100
|
5,676,700
|
63,649
|
4,031,919,436
|
187
|
10,363,434
|
4
|
64.5
|
6.1
|
65.9
|
111
|
6,267,360
|
53,420
|
3,359,717,472
|
172
|
9,514,798
|
5
|
53.3
|
5.9
|
56.0
|
81
|
4,611,749
|
44,023
|
2,718,650,092
|
152
|
8,228,689
|
6
|
74.0
|
7.5
|
71.6
|
96
|
4,929,500
|
34,785
|
2,095,040,689
|
130
|
6,883,971
|
7+
|
67.1
|
4.9
|
70.4
|
190
|
10,426,523
|
62,534
|
3,651,736,863
|
284
|
14,808,690
|
Total
|
55.5
|
2.0
|
58.3
|
742
|
42,374,802
|
418,329
|
26,001,535,813
|
1,338
|
72,631,546
|
By Issue Age
|
20-39
|
55.7
|
3.2
|
55.4
|
308
|
20,676,297
|
297,132
|
20,165,542,486
|
554
|
37,341,890
|
40-44
|
58.4
|
4.6
|
64.4
|
160
|
9,458,853
|
59,295
|
3,236,856,538
|
274
|
14,679,108
|
45-49
|
56.4
|
4.4
|
57.7
|
162
|
7,377,913
|
41,497
|
1,860,486,155
|
288
|
12,789,517
|
50+
|
50.2
|
4.7
|
62.2
|
112
|
4,861,739
|
20,406
|
738,650,633
|
222
|
7,821,031
|
Total
|
55.5
|
2.0
|
58.3
|
742
|
42,374,802
|
418,329
|
26,001,535,813
|
1,338
|
72,631,546
|
By Attained Age
|
20-44
|
54.6
|
2.9
|
54.5
|
349
|
23,061,628
|
321,873
|
21,593,091,862
|
640
|
42,303,450
|
45-49
|
54.7
|
4.4
|
63.5
|
153
|
8,850,122
|
51,803
|
2,597,958,273
|
280
|
13,944,964
|
50-54
|
56.8
|
4.9
|
55.0
|
136
|
5,633,952
|
30,432
|
1,305,541,167
|
240
|
10,236,256
|
55-59
|
63.7
|
7.2
|
84.4
|
78
|
3,790,500
|
10,919
|
403,054,208
|
123
|
4,489,802
|
60-64
|
45.8
|
10.0
|
63.3
|
21
|
888,600
|
2,933
|
90,333,258
|
46
|
1,404,778
|
65+
|
50.0
|
25.0
|
59.5
|
4
|
150,000
|
369
|
11,557,045
|
8
|
252,294
|
Total
|
55.5
|
2.0
|
58.3
|
742
|
42,374,802
|
418,329
|
26,001,535,813
|
1,338
|
72,631,546
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.9
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
33.4
|
14.8
|
77.7
|
5
|
876,000
|
3,866
|
342,737,239
|
15
|
1,127,240
|
2
|
67.6
|
22.4
|
71.8
|
9
|
730,133
|
2,992
|
275,245,274
|
13
|
1,016,552
|
3
|
69.1
|
24.4
|
57.6
|
8
|
485,000
|
2,172
|
202,011,151
|
12
|
842,498
|
4
|
58.9
|
24.1
|
75.3
|
6
|
520,000
|
1,705
|
152,431,145
|
10
|
690,688
|
5
|
99.4
|
31.4
|
147.0
|
10
|
890,000
|
1,468
|
121,419,850
|
10
|
605,510
|
6
|
78.3
|
29.4
|
96.1
|
7
|
495,000
|
1,215
|
97,989,798
|
9
|
515,169
|
7+
|
78.4
|
19.0
|
75.7
|
17
|
939,515
|
2,489
|
199,725,258
|
22
|
1,241,888
|
Total
|
68.2
|
8.6
|
81.7
|
62
|
4,935,648
|
15,907
|
1,391,559,715
|
91
|
6,039,545
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
966
|
85,224,233
|
1
|
68,065
|
25-29
|
97.1
|
68.7
|
66.9
|
2
|
140,000
|
1,884
|
192,158,018
|
2
|
209,127
|
30-34
|
79.4
|
45.9
|
206.6
|
3
|
800,000
|
2,303
|
236,331,528
|
4
|
387,146
|
35-39
|
76.8
|
34.3
|
76.9
|
5
|
500,000
|
2,434
|
242,750,081
|
7
|
650,339
|
40-44
|
67.9
|
23.9
|
66.4
|
8
|
815,000
|
2,603
|
281,305,449
|
12
|
1,227,197
|
45-49
|
94.8
|
24.5
|
117.4
|
15
|
1,715,000
|
2,171
|
203,952,719
|
16
|
1,460,929
|
50-54
|
47.6
|
13.2
|
38.4
|
13
|
460,648
|
2,331
|
104,940,245
|
28
|
1,198,618
|
55-59
|
68.6
|
20.6
|
57.7
|
11
|
370,000
|
943
|
37,168,134
|
16
|
640,845
|
60-64
|
68.3
|
34.1
|
44.0
|
4
|
75,000
|
250
|
7,018,548
|
6
|
170,304
|
65+
|
110.3
|
110.3
|
222.4
|
1
|
60,000
|
24
|
710,759
|
1
|
26,974
|
Total
|
68.2
|
8.6
|
81.7
|
62
|
4,935,648
|
15,907
|
1,391,559,715
|
91
|
6,039,545
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
523
|
39,245,328
|
0
|
25,985
|
25-29
|
73.6
|
73.6
|
66.7
|
1
|
90,000
|
1,495
|
151,438,139
|
1
|
134,959
|
30-34
|
74.6
|
52.7
|
76.0
|
2
|
200,000
|
2,016
|
199,464,888
|
3
|
263,097
|
35-39
|
22.5
|
22.5
|
55.7
|
1
|
250,000
|
2,253
|
232,019,611
|
4
|
449,216
|
40-44
|
101.1
|
35.8
|
136.2
|
8
|
1,200,000
|
2,427
|
269,785,916
|
8
|
881,019
|
45-49
|
82.9
|
24.9
|
112.4
|
11
|
1,530,000
|
2,462
|
251,846,091
|
13
|
1,361,360
|
50-54
|
58.8
|
16.9
|
55.4
|
12
|
761,133
|
2,266
|
152,683,300
|
21
|
1,373,906
|
55-59
|
63.2
|
16.9
|
56.2
|
14
|
559,515
|
1,597
|
69,715,904
|
22
|
995,428
|
60-64
|
83.8
|
25.2
|
62.9
|
11
|
260,000
|
678
|
20,583,248
|
13
|
413,242
|
65+
|
38.6
|
27.3
|
60.1
|
2
|
85,000
|
189
|
4,777,288
|
5
|
141,332
|
Total
|
68.2
|
8.6
|
81.7
|
62
|
4,935,648
|
15,907
|
1,391,559,715
|
91
|
6,039,545
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.10
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
47.2
|
9.8
|
42.7
|
23
|
945,000
|
23,906
|
1,307,566,876
|
49
|
2,214,918
|
2
|
74.6
|
13.0
|
77.4
|
33
|
1,530,000
|
19,618
|
1,054,066,504
|
44
|
1,975,767
|
3
|
79.8
|
14.1
|
88.1
|
32
|
1,585,000
|
16,256
|
867,810,232
|
40
|
1,798,307
|
4
|
74.5
|
14.3
|
88.0
|
27
|
1,402,870
|
13,188
|
694,882,181
|
36
|
1,594,102
|
5
|
58.0
|
13.7
|
70.2
|
18
|
930,000
|
10,497
|
538,304,792
|
31
|
1,325,656
|
6
|
99.6
|
19.5
|
95.3
|
26
|
1,055,000
|
8,114
|
405,958,448
|
26
|
1,106,759
|
7+
|
93.4
|
12.8
|
89.7
|
53
|
2,148,000
|
14,067
|
670,619,268
|
57
|
2,394,985
|
Total
|
74.8
|
5.1
|
77.3
|
212
|
9,595,870
|
105,645
|
5,539,208,302
|
284
|
12,410,494
|
By Issue Age
|
20-39
|
71.2
|
7.6
|
69.9
|
87
|
4,729,870
|
80,263
|
4,590,242,964
|
122
|
6,766,941
|
40-44
|
76.3
|
11.4
|
77.9
|
45
|
1,925,000
|
13,287
|
568,211,050
|
59
|
2,470,722
|
45-49
|
87.2
|
11.7
|
109.9
|
55
|
2,281,000
|
8,798
|
289,907,517
|
63
|
2,074,936
|
50+
|
64.0
|
12.8
|
60.1
|
25
|
660,000
|
3,297
|
90,846,771
|
39
|
1,097,895
|
Total
|
74.8
|
5.1
|
77.3
|
212
|
9,595,870
|
105,645
|
5,539,208,302
|
284
|
12,410,494
|
By Attained Age
|
20-44
|
69.2
|
7.0
|
66.7
|
98
|
5,084,870
|
86,258
|
4,859,675,945
|
142
|
7,626,295
|
45-49
|
80.4
|
11.5
|
106.4
|
49
|
2,443,000
|
11,332
|
431,962,805
|
61
|
2,295,878
|
50-54
|
79.6
|
12.3
|
87.1
|
42
|
1,450,000
|
6,136
|
193,182,314
|
53
|
1,663,820
|
55-59
|
94.3
|
21.0
|
89.8
|
20
|
558,000
|
1,579
|
44,916,628
|
21
|
621,214
|
60-64
|
49.4
|
28.5
|
34.2
|
3
|
60,000
|
308
|
8,403,623
|
6
|
175,329
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
32
|
1,066,986
|
1
|
27,957
|
Total
|
74.8
|
5.1
|
77.3
|
212
|
9,595,870
|
105,645
|
5,539,208,302
|
284
|
12,410,494
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.11
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.3
|
20.1
|
104.2
|
3
|
761,000
|
2,313
|
231,327,281
|
9
|
730,174
|
2
|
38.3
|
22.1
|
53.4
|
3
|
350,000
|
1,789
|
184,415,737
|
8
|
655,693
|
3
|
116.9
|
41.3
|
89.3
|
8
|
485,000
|
1,295
|
133,561,184
|
7
|
543,191
|
4
|
32.6
|
23.0
|
32.5
|
2
|
150,000
|
1,038
|
102,378,984
|
6
|
461,394
|
5
|
117.8
|
44.5
|
167.8
|
7
|
675,000
|
876
|
80,308,643
|
6
|
402,246
|
6
|
78.7
|
38.9
|
97.5
|
4
|
335,000
|
712
|
65,125,234
|
5
|
343,565
|
7+
|
81.8
|
25.9
|
95.2
|
10
|
779,515
|
1,425
|
131,492,571
|
12
|
818,592
|
Total
|
70.2
|
11.5
|
89.4
|
37
|
3,535,515
|
9,448
|
928,609,635
|
53
|
3,954,855
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
526
|
50,014,882
|
0
|
36,145
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,135
|
124,581,175
|
1
|
124,178
|
30-34
|
44.1
|
44.1
|
155.8
|
1
|
400,000
|
1,513
|
170,497,400
|
2
|
256,724
|
35-39
|
101.7
|
50.9
|
81.7
|
4
|
350,000
|
1,585
|
170,607,558
|
4
|
428,352
|
40-44
|
52.5
|
26.3
|
68.2
|
4
|
575,000
|
1,697
|
197,803,053
|
8
|
843,543
|
45-49
|
109.2
|
32.9
|
148.0
|
11
|
1,480,000
|
1,325
|
133,870,086
|
10
|
1,000,317
|
50-54
|
64.1
|
20.2
|
52.0
|
10
|
385,515
|
1,171
|
57,590,301
|
16
|
741,464
|
55-59
|
61.3
|
27.1
|
77.7
|
5
|
310,000
|
390
|
19,685,718
|
8
|
398,807
|
60+
|
57.3
|
40.5
|
27.9
|
2
|
35,000
|
106
|
3,959,462
|
3
|
125,326
|
Total
|
70.2
|
11.5
|
89.4
|
37
|
3,535,515
|
9,448
|
928,609,635
|
53
|
3,954,855
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
277
|
22,644,405
|
0
|
14,191
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
872
|
96,551,737
|
1
|
78,668
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,269
|
136,591,426
|
2
|
165,906
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,493
|
167,776,346
|
3
|
297,191
|
40-44
|
123.2
|
50.3
|
174.0
|
6
|
1,000,000
|
1,584
|
185,648,315
|
5
|
574,844
|
45-49
|
81.6
|
30.8
|
128.1
|
7
|
1,200,000
|
1,581
|
173,772,505
|
9
|
937,106
|
50-54
|
73.0
|
24.2
|
74.0
|
9
|
661,000
|
1,269
|
92,951,417
|
12
|
893,637
|
55-59
|
79.9
|
25.3
|
72.5
|
10
|
479,515
|
761
|
40,461,925
|
13
|
661,346
|
60-64
|
60.4
|
29.8
|
70.2
|
4
|
170,000
|
272
|
9,840,710
|
7
|
242,257
|
65+
|
37.5
|
37.5
|
27.9
|
1
|
25,000
|
71
|
2,370,850
|
3
|
89,708
|
Total
|
70.2
|
11.5
|
89.4
|
37
|
3,535,515
|
9,448
|
928,609,635
|
53
|
3,954,855
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.12
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
78.6
|
12.9
|
69.6
|
37
|
1,625,000
|
24,388
|
1,432,919,494
|
47
|
2,334,758
|
3
|
88.0
|
20.7
|
101.0
|
18
|
1,021,000
|
8,981
|
523,154,150
|
21
|
1,010,476
|
4
|
70.5
|
19.6
|
109.1
|
13
|
970,000
|
7,191
|
413,708,252
|
18
|
888,827
|
5
|
51.8
|
18.3
|
62.2
|
8
|
450,000
|
5,628
|
316,470,511
|
15
|
722,983
|
6
|
76.6
|
24.2
|
83.1
|
10
|
510,000
|
4,299
|
237,671,731
|
13
|
613,954
|
7+
|
88.2
|
17.3
|
92.0
|
26
|
1,285,000
|
7,376
|
392,631,192
|
29
|
1,397,169
|
Total
|
77.8
|
7.3
|
84.1
|
112
|
5,861,000
|
57,863
|
3,316,555,332
|
144
|
6,968,168
|
By Issue Age
|
20-44
|
82.1
|
9.5
|
85.2
|
74
|
4,325,000
|
52,003
|
3,105,989,849
|
90
|
5,077,112
|
45-49
|
66.4
|
14.1
|
85.4
|
22
|
1,051,000
|
4,362
|
163,049,055
|
33
|
1,230,396
|
50+
|
77.7
|
19.4
|
73.4
|
16
|
485,000
|
1,499
|
47,516,429
|
21
|
660,660
|
Total
|
77.8
|
7.3
|
84.1
|
112
|
5,861,000
|
57,863
|
3,316,555,332
|
144
|
6,968,168
|
By Attained Age
|
20-49
|
79.4
|
8.9
|
85.7
|
80
|
4,681,000
|
54,033
|
3,181,949,440
|
101
|
5,460,492
|
50-54
|
72.1
|
16.1
|
85.3
|
20
|
825,000
|
2,949
|
103,930,162
|
28
|
966,885
|
55-59
|
84.9
|
26.7
|
74.9
|
10
|
305,000
|
736
|
25,525,055
|
12
|
407,463
|
60+
|
54.3
|
38.4
|
37.5
|
2
|
50,000
|
145
|
5,150,675
|
4
|
133,328
|
Total
|
77.8
|
7.3
|
84.1
|
112
|
5,861,000
|
57,863
|
3,316,555,332
|
144
|
6,968,168
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.13
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.8
|
21.8
|
29.0
|
2
|
115,000
|
1,553
|
111,409,958
|
6
|
397,066
|
2
|
108.4
|
43.9
|
105.3
|
6
|
380,133
|
1,204
|
90,829,538
|
6
|
360,859
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
876
|
68,449,966
|
5
|
299,307
|
4
|
99.0
|
49.5
|
161.4
|
4
|
370,000
|
667
|
50,052,161
|
4
|
229,294
|
5
|
72.9
|
42.1
|
105.8
|
3
|
215,000
|
592
|
41,111,207
|
4
|
203,264
|
6
|
77.8
|
44.9
|
93.2
|
3
|
160,000
|
503
|
32,864,563
|
4
|
171,604
|
7+
|
74.0
|
28.0
|
37.8
|
7
|
160,000
|
1,064
|
68,232,687
|
9
|
423,296
|
Total
|
65.5
|
13.1
|
67.2
|
25
|
1,400,133
|
6,460
|
462,950,080
|
38
|
2,084,690
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
439
|
35,209,351
|
0
|
31,919
|
25-29
|
215.7
|
152.5
|
164.8
|
2
|
140,000
|
750
|
67,576,843
|
1
|
84,950
|
30-34
|
132.7
|
93.8
|
306.7
|
2
|
400,000
|
790
|
65,834,128
|
2
|
130,423
|
35-39
|
38.8
|
38.8
|
67.6
|
1
|
150,000
|
849
|
72,142,523
|
3
|
221,988
|
40-44
|
95.0
|
46.9
|
62.6
|
4
|
240,000
|
906
|
83,502,396
|
4
|
383,653
|
45-49
|
69.6
|
34.8
|
51.0
|
4
|
235,000
|
846
|
70,082,633
|
6
|
460,613
|
50-54
|
25.5
|
14.7
|
16.4
|
3
|
75,133
|
1,160
|
47,349,945
|
12
|
457,155
|
55-59
|
76.4
|
31.2
|
24.8
|
6
|
60,000
|
552
|
17,482,417
|
8
|
242,038
|
60+
|
91.7
|
52.9
|
139.0
|
3
|
100,000
|
168
|
3,769,845
|
3
|
71,952
|
Total
|
65.5
|
13.1
|
67.2
|
25
|
1,400,133
|
6,460
|
462,950,080
|
38
|
2,084,690
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
246
|
16,600,924
|
0
|
11,794
|
25-29
|
155.6
|
155.6
|
159.9
|
1
|
90,000
|
623
|
54,886,402
|
1
|
56,292
|
30-34
|
173.4
|
122.6
|
205.8
|
2
|
200,000
|
747
|
62,873,462
|
1
|
97,191
|
35-39
|
55.8
|
55.8
|
164.4
|
1
|
250,000
|
760
|
64,243,264
|
2
|
152,025
|
40-44
|
65.8
|
46.5
|
65.3
|
2
|
200,000
|
843
|
84,137,602
|
3
|
306,175
|
45-49
|
85.3
|
42.1
|
77.8
|
4
|
330,000
|
882
|
78,073,587
|
5
|
424,253
|
50-54
|
37.0
|
21.3
|
20.8
|
3
|
100,133
|
998
|
59,731,883
|
8
|
480,269
|
55-59
|
41.5
|
20.7
|
23.9
|
4
|
80,000
|
837
|
29,253,980
|
10
|
334,083
|
60+
|
89.2
|
31.5
|
67.4
|
8
|
150,000
|
524
|
13,148,977
|
9
|
222,609
|
Total
|
65.5
|
13.1
|
67.2
|
25
|
1,400,133
|
6,460
|
462,950,080
|
38
|
2,084,690
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.14
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.8
|
10.9
|
37.7
|
7
|
370,000
|
10,447
|
510,505,025
|
24
|
982,286
|
2
|
55.2
|
15.9
|
54.9
|
12
|
480,000
|
8,688
|
418,208,861
|
22
|
873,641
|
3
|
71.2
|
19.0
|
71.6
|
14
|
564,000
|
7,275
|
344,656,082
|
20
|
787,831
|
4
|
78.7
|
21.0
|
61.4
|
14
|
432,870
|
5,997
|
281,173,929
|
18
|
705,275
|
5
|
64.1
|
20.3
|
79.6
|
10
|
480,000
|
4,869
|
221,834,281
|
16
|
602,672
|
6
|
122.5
|
30.6
|
110.6
|
16
|
545,000
|
3,815
|
168,286,717
|
13
|
492,805
|
7+
|
99.0
|
19.1
|
86.5
|
27
|
863,000
|
6,691
|
277,988,076
|
27
|
997,815
|
Total
|
71.7
|
7.2
|
68.6
|
100
|
3,734,870
|
47,782
|
2,222,652,970
|
140
|
5,442,326
|
By Issue Age
|
20-34
|
66.6
|
13.3
|
50.9
|
25
|
997,870
|
27,188
|
1,431,615,177
|
38
|
1,958,540
|
35-39
|
58.5
|
15.6
|
56.5
|
14
|
627,000
|
8,001
|
380,553,904
|
24
|
1,110,092
|
40-44
|
64.4
|
14.8
|
64.6
|
19
|
705,000
|
6,358
|
240,295,084
|
30
|
1,091,919
|
45-49
|
110.4
|
19.2
|
145.6
|
33
|
1,230,000
|
4,436
|
126,858,463
|
30
|
844,541
|
50+
|
48.6
|
16.2
|
40.0
|
9
|
175,000
|
1,799
|
43,330,342
|
19
|
437,234
|
Total
|
71.7
|
7.2
|
68.6
|
100
|
3,734,870
|
47,782
|
2,222,652,970
|
140
|
5,442,326
|
By Attained Age
|
20-24
|
86.8
|
61.4
|
43.6
|
2
|
50,000
|
3,324
|
165,817,578
|
2
|
114,802
|
25-34
|
59.6
|
11.7
|
48.3
|
26
|
1,094,870
|
27,477
|
1,449,440,237
|
44
|
2,267,091
|
40-44
|
63.5
|
15.9
|
58.4
|
16
|
630,000
|
7,090
|
307,355,582
|
25
|
1,078,556
|
45-49
|
75.1
|
15.6
|
107.1
|
23
|
1,072,000
|
5,667
|
187,075,914
|
31
|
1,001,232
|
50-54
|
87.8
|
18.7
|
89.7
|
22
|
625,000
|
3,187
|
89,252,151
|
25
|
696,935
|
55-59
|
106.2
|
33.6
|
118.4
|
10
|
253,000
|
843
|
19,391,574
|
9
|
213,752
|
60-64
|
37.1
|
37.1
|
17.4
|
1
|
10,000
|
173
|
3,717,934
|
3
|
57,500
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
23
|
602,000
|
0
|
12,458
|
Total
|
71.7
|
7.2
|
68.6
|
100
|
3,734,870
|
47,782
|
2,222,652,970
|
140
|
5,442,326
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.15
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.2
|
3.3
|
21.2
|
50
|
4,497,100
|
45,550
|
5,205,294,880
|
217
|
21,247,647
|
2
|
40.2
|
4.5
|
38.8
|
79
|
7,644,000
|
36,700
|
4,329,582,360
|
197
|
19,716,158
|
3
|
42.7
|
5.0
|
66.0
|
74
|
11,312,344
|
28,300
|
3,397,326,186
|
172
|
17,133,476
|
4
|
54.8
|
6.0
|
64.8
|
82
|
9,040,000
|
22,387
|
2,595,857,105
|
150
|
13,954,031
|
5
|
49.6
|
5.9
|
50.5
|
71
|
6,297,500
|
19,432
|
2,142,483,347
|
144
|
12,457,965
|
6
|
38.7
|
5.3
|
38.5
|
53
|
4,350,106
|
16,786
|
1,774,724,207
|
137
|
11,311,249
|
7+
|
53.3
|
3.7
|
61.6
|
208
|
18,777,875
|
38,193
|
3,760,293,843
|
391
|
30,506,422
|
Total
|
43.9
|
1.8
|
49.0
|
618
|
61,918,925
|
207,348
|
23,205,561,929
|
1,409
|
126,326,947
|
By Issue Age
|
20-24
|
103.1
|
42.1
|
74.3
|
6
|
485,000
|
7,362
|
824,528,050
|
6
|
653,034
|
25-29
|
47.7
|
15.1
|
54.4
|
10
|
1,300,000
|
18,304
|
2,089,302,564
|
21
|
2,388,682
|
30-34
|
50.1
|
10.4
|
62.5
|
23
|
3,700,000
|
26,210
|
3,432,112,888
|
46
|
5,921,231
|
35-39
|
57.8
|
8.2
|
72.9
|
50
|
8,455,000
|
30,920
|
4,247,340,881
|
87
|
11,597,934
|
40-44
|
53.1
|
5.6
|
50.4
|
89
|
11,263,822
|
36,039
|
4,948,309,941
|
168
|
22,334,624
|
45-49
|
43.4
|
4.1
|
42.8
|
113
|
12,375,773
|
34,128
|
3,907,109,953
|
260
|
28,924,468
|
50-54
|
42.5
|
3.2
|
40.9
|
171
|
12,383,330
|
33,051
|
2,522,242,134
|
403
|
30,305,075
|
55-59
|
41.4
|
3.8
|
49.0
|
118
|
8,587,500
|
15,994
|
979,561,506
|
284
|
17,537,097
|
60-64
|
30.4
|
5.2
|
56.2
|
34
|
3,195,000
|
4,629
|
225,743,268
|
112
|
5,686,346
|
65+
|
18.2
|
9.0
|
17.7
|
4
|
173,500
|
711
|
29,310,742
|
23
|
978,455
|
Total
|
43.9
|
1.8
|
49.0
|
618
|
61,918,925
|
207,348
|
23,205,561,929
|
1,409
|
126,326,947
|
By Attained Age
|
20-24
|
39.1
|
39.1
|
36.7
|
1
|
100,000
|
3,787
|
404,810,524
|
3
|
272,476
|
25-29
|
65.1
|
23.0
|
77.9
|
8
|
1,035,000
|
13,024
|
1,428,923,524
|
12
|
1,328,913
|
30-34
|
66.5
|
14.9
|
57.6
|
20
|
2,125,000
|
21,741
|
2,716,407,320
|
30
|
3,687,281
|
35-39
|
28.7
|
7.2
|
41.7
|
16
|
3,100,000
|
26,950
|
3,676,752,617
|
56
|
7,430,895
|
40-44
|
56.1
|
7.2
|
61.2
|
60
|
9,284,354
|
32,271
|
4,618,640,252
|
107
|
15,165,483
|
45-49
|
50.9
|
5.2
|
51.0
|
96
|
12,414,090
|
34,565
|
4,467,642,466
|
189
|
24,358,124
|
50-54
|
41.9
|
3.8
|
40.2
|
124
|
11,603,651
|
32,862
|
3,207,678,584
|
294
|
28,839,517
|
55-59
|
40.7
|
3.4
|
45.8
|
147
|
11,914,830
|
25,915
|
1,830,171,874
|
361
|
26,024,461
|
60-64
|
42.8
|
4.2
|
55.5
|
105
|
7,897,500
|
12,271
|
682,098,418
|
246
|
14,231,012
|
65+
|
37.1
|
5.8
|
49.0
|
41
|
2,444,500
|
3,962
|
172,436,350
|
111
|
4,988,786
|
Total
|
43.9
|
1.8
|
49.0
|
618
|
61,918,925
|
207,348
|
23,205,561,929
|
1,409
|
126,326,947
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.16
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
48.2
|
2.6
|
54.7
|
332
|
35,948,736
|
131,423
|
12,724,864,410
|
689
|
65,728,930
|
Total
|
48.2
|
2.6
|
54.7
|
332
|
35,948,736
|
131,423
|
12,724,864,410
|
689
|
65,728,930
|
By Issue Age
|
20-39
|
50.8
|
6.6
|
64.9
|
60
|
8,190,000
|
62,755
|
6,381,376,092
|
118
|
12,627,923
|
40-44
|
48.1
|
6.5
|
45.0
|
55
|
5,439,000
|
26,105
|
2,658,471,203
|
115
|
12,090,536
|
45-49
|
49.7
|
5.6
|
58.8
|
79
|
9,381,200
|
22,120
|
2,082,265,762
|
159
|
15,964,421
|
50-54
|
38.2
|
5.1
|
41.5
|
57
|
5,515,036
|
12,995
|
1,065,303,799
|
150
|
13,301,507
|
55+
|
54.9
|
6.1
|
63.2
|
80
|
7,423,500
|
7,448
|
537,447,555
|
147
|
11,744,543
|
Total
|
48.2
|
2.6
|
54.7
|
332
|
35,948,736
|
131,423
|
12,724,864,410
|
689
|
65,728,930
|
By Attained Age
|
20+
|
48.2
|
2.6
|
54.7
|
332
|
35,948,736
|
131,423
|
12,724,864,410
|
689
|
65,728,930
|
Total
|
48.2
|
2.6
|
54.7
|
332
|
35,948,736
|
131,423
|
12,724,864,410
|
689
|
65,728,930
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.17
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.7
|
2.6
|
24.0
|
71
|
4,757,500
|
136,353
|
9,484,190,517
|
329
|
19,843,582
|
2
|
51.9
|
4.1
|
59.8
|
163
|
11,376,887
|
119,744
|
8,329,903,841
|
315
|
19,024,661
|
3
|
52.0
|
4.2
|
52.9
|
157
|
9,689,224
|
103,823
|
7,221,985,456
|
301
|
18,327,361
|
4
|
55.8
|
4.5
|
56.9
|
157
|
9,683,098
|
87,569
|
6,039,753,255
|
282
|
17,009,439
|
5
|
52.0
|
4.6
|
52.5
|
130
|
7,739,249
|
72,313
|
4,887,662,425
|
251
|
14,749,014
|
6
|
57.4
|
5.2
|
61.4
|
123
|
7,573,500
|
56,942
|
3,751,888,400
|
215
|
12,340,900
|
7+
|
58.4
|
3.5
|
62.5
|
286
|
17,512,587
|
103,182
|
6,642,015,392
|
489
|
28,009,564
|
Total
|
49.9
|
1.5
|
52.8
|
1,088
|
68,332,045
|
679,926
|
46,357,399,286
|
2,181
|
129,304,521
|
By Issue Age
|
20-39
|
51.2
|
2.5
|
53.2
|
421
|
32,010,867
|
482,098
|
35,532,714,062
|
822
|
60,120,260
|
40-44
|
50.3
|
3.4
|
51.9
|
222
|
13,859,615
|
97,875
|
6,052,163,070
|
443
|
26,694,542
|
45-49
|
49.4
|
3.2
|
52.0
|
246
|
13,000,713
|
67,336
|
3,409,940,885
|
497
|
25,003,694
|
50+
|
47.4
|
3.4
|
54.1
|
199
|
9,460,850
|
32,616
|
1,362,581,269
|
420
|
17,486,024
|
Total
|
49.9
|
1.5
|
52.8
|
1,088
|
68,332,045
|
679,926
|
46,357,399,286
|
2,181
|
129,304,521
|
By Attained Age
|
20-44
|
49.4
|
2.3
|
51.4
|
472
|
35,302,741
|
523,206
|
38,231,431,321
|
954
|
68,686,424
|
45-49
|
46.8
|
3.2
|
51.4
|
214
|
13,183,341
|
84,510
|
4,791,608,908
|
457
|
25,648,095
|
50-54
|
53.3
|
3.5
|
54.6
|
226
|
11,257,768
|
49,294
|
2,393,697,058
|
424
|
20,624,267
|
55-59
|
54.8
|
4.8
|
64.9
|
130
|
6,644,595
|
17,681
|
752,246,618
|
238
|
10,241,190
|
60-64
|
41.0
|
6.7
|
47.8
|
37
|
1,533,600
|
4,626
|
161,197,619
|
90
|
3,206,936
|
65+
|
51.4
|
17.1
|
45.7
|
9
|
410,000
|
609
|
27,217,762
|
17
|
897,609
|
Total
|
49.9
|
1.5
|
52.8
|
1,088
|
68,332,045
|
679,926
|
46,357,399,286
|
2,181
|
129,304,521
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.18
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.5
|
4.2
|
17.7
|
22
|
2,318,500
|
22,690
|
3,128,784,777
|
113
|
13,085,705
|
2
|
36.5
|
5.9
|
36.1
|
38
|
4,424,000
|
18,522
|
2,613,835,497
|
105
|
12,239,288
|
3
|
41.2
|
6.7
|
72.0
|
38
|
7,726,854
|
14,550
|
2,070,546,385
|
93
|
10,735,151
|
4
|
56.5
|
8.3
|
60.1
|
46
|
5,250,000
|
11,663
|
1,579,110,493
|
82
|
8,734,240
|
5
|
50.7
|
8.0
|
50.0
|
40
|
3,893,500
|
10,102
|
1,287,412,002
|
79
|
7,787,644
|
6
|
31.4
|
6.4
|
26.6
|
24
|
1,890,615
|
8,706
|
1,060,651,914
|
77
|
7,109,002
|
7+
|
55.4
|
5.0
|
67.8
|
123
|
13,136,601
|
19,708
|
2,222,771,070
|
222
|
19,367,355
|
Total
|
43.1
|
2.4
|
48.9
|
332
|
38,640,070
|
105,941
|
13,963,112,138
|
771
|
79,058,384
|
By Issue Age
|
20-24
|
79.7
|
56.4
|
66.1
|
2
|
200,000
|
3,483
|
418,852,339
|
3
|
302,755
|
25-29
|
79.4
|
30.0
|
92.0
|
7
|
1,050,000
|
8,713
|
1,118,783,032
|
9
|
1,140,805
|
30-34
|
56.8
|
16.4
|
74.5
|
12
|
2,400,000
|
13,616
|
2,079,958,203
|
21
|
3,222,456
|
35-39
|
50.7
|
10.8
|
82.3
|
22
|
5,530,000
|
16,816
|
2,667,323,570
|
43
|
6,721,223
|
40-44
|
48.3
|
7.3
|
48.5
|
44
|
6,843,822
|
19,939
|
3,190,035,858
|
92
|
14,116,609
|
45-49
|
37.2
|
5.1
|
33.0
|
54
|
6,080,115
|
17,997
|
2,386,491,759
|
146
|
18,443,982
|
50-54
|
44.6
|
4.4
|
39.1
|
101
|
7,533,133
|
15,931
|
1,421,213,177
|
227
|
19,285,615
|
55-59
|
40.7
|
5.0
|
52.8
|
65
|
6,054,500
|
7,308
|
541,644,946
|
160
|
11,463,369
|
60-64
|
39.7
|
8.3
|
76.8
|
23
|
2,845,000
|
1,849
|
122,314,902
|
58
|
3,706,740
|
65+
|
9.3
|
8.9
|
15.8
|
1
|
103,500
|
289
|
16,494,351
|
12
|
654,830
|
Total
|
43.1
|
2.4
|
48.9
|
332
|
38,640,070
|
105,941
|
13,963,112,138
|
771
|
79,058,384
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,747
|
201,846,936
|
1
|
128,484
|
25-29
|
101.0
|
45.2
|
139.5
|
5
|
850,000
|
5,978
|
736,147,782
|
5
|
609,321
|
30-34
|
68.9
|
23.0
|
58.9
|
9
|
1,125,000
|
10,841
|
1,578,083,865
|
13
|
1,911,116
|
35-39
|
27.0
|
10.2
|
44.0
|
7
|
1,825,000
|
14,360
|
2,293,508,670
|
26
|
4,148,928
|
40-44
|
56.6
|
10.1
|
72.1
|
31
|
6,559,354
|
17,849
|
2,942,834,959
|
55
|
9,097,537
|
45-49
|
39.5
|
6.2
|
39.1
|
41
|
6,058,500
|
19,051
|
2,841,685,670
|
104
|
15,489,415
|
50-54
|
38.2
|
4.8
|
35.6
|
62
|
6,491,083
|
16,618
|
1,887,172,252
|
163
|
18,258,215
|
55-59
|
43.6
|
4.6
|
45.7
|
90
|
7,666,133
|
12,374
|
1,016,578,969
|
205
|
16,779,292
|
60-64
|
43.3
|
5.6
|
63.6
|
60
|
6,025,500
|
5,486
|
376,763,080
|
139
|
9,474,250
|
65+
|
45.8
|
8.8
|
64.5
|
27
|
2,039,500
|
1,636
|
88,489,956
|
59
|
3,161,826
|
Total
|
43.1
|
2.4
|
48.9
|
332
|
38,640,070
|
105,941
|
13,963,112,138
|
771
|
79,058,384
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.19
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
Total
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
By Issue Age
|
20+
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
Total
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
By Attained Age
|
20+
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
Total
|
48.5
|
3.8
|
49.1
|
167
|
19,638,000
|
59,831
|
7,042,763,085
|
343
|
39,973,776
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.20
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
32.6
|
3.4
|
36.4
|
90
|
6,521,417
|
115,314
|
8,598,336,984
|
277
|
17,892,207
|
3
|
52.3
|
6.2
|
52.3
|
70
|
4,576,524
|
47,449
|
3,534,722,101
|
134
|
8,751,757
|
4
|
47.3
|
6.1
|
46.9
|
60
|
3,848,608
|
40,145
|
2,961,209,712
|
127
|
8,199,916
|
5
|
51.9
|
6.7
|
50.6
|
59
|
3,607,500
|
33,158
|
2,390,846,614
|
114
|
7,122,998
|
6
|
44.1
|
6.7
|
53.6
|
43
|
3,189,000
|
25,973
|
1,825,134,428
|
98
|
5,949,734
|
7+
|
52.6
|
4.8
|
56.0
|
122
|
7,949,064
|
47,339
|
3,268,266,604
|
233
|
14,198,690
|
Total
|
45.3
|
2.1
|
47.8
|
445
|
29,692,113
|
309,379
|
22,578,516,444
|
983
|
62,115,302
|
By Issue Age
|
20-39
|
45.9
|
3.7
|
50.1
|
151
|
12,959,440
|
220,155
|
17,179,340,656
|
329
|
25,847,003
|
40-44
|
41.1
|
4.6
|
39.0
|
81
|
5,105,762
|
44,938
|
3,055,601,616
|
198
|
13,107,353
|
45-49
|
48.6
|
4.5
|
52.5
|
116
|
6,852,800
|
30,276
|
1,676,313,193
|
239
|
13,058,718
|
50-54
|
54.6
|
6.4
|
57.3
|
72
|
3,792,861
|
10,282
|
515,966,193
|
132
|
6,617,887
|
55-59
|
28.8
|
6.4
|
25.1
|
20
|
671,250
|
3,287
|
128,490,289
|
69
|
2,674,111
|
60-64
|
34.4
|
17.2
|
55.9
|
4
|
310,000
|
385
|
17,250,551
|
12
|
554,701
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
55
|
5,553,945
|
2
|
255,529
|
Total
|
45.3
|
2.1
|
47.8
|
445
|
29,692,113
|
309,379
|
22,578,516,444
|
983
|
62,115,302
|
By Attained Age
|
20-44
|
43.2
|
3.3
|
47.0
|
166
|
14,015,983
|
239,223
|
18,560,952,856
|
385
|
29,843,422
|
45-49
|
40.3
|
4.4
|
42.5
|
83
|
5,405,219
|
38,374
|
2,380,726,549
|
207
|
12,704,363
|
50-54
|
53.3
|
5.0
|
56.4
|
112
|
6,248,816
|
22,049
|
1,177,408,043
|
209
|
11,084,946
|
55-59
|
49.9
|
6.3
|
52.1
|
62
|
3,107,095
|
7,605
|
368,583,984
|
124
|
5,965,139
|
60-64
|
36.2
|
8.8
|
35.2
|
17
|
655,000
|
1,865
|
74,582,295
|
47
|
1,859,658
|
65+
|
50.2
|
22.4
|
39.5
|
5
|
260,000
|
263
|
16,262,717
|
10
|
657,773
|
Total
|
45.3
|
2.1
|
47.8
|
445
|
29,692,113
|
309,379
|
22,578,516,444
|
983
|
62,115,302
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.21
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.2
|
5.1
|
26.7
|
28
|
2,178,600
|
22,861
|
2,076,510,103
|
104
|
8,161,942
|
2
|
44.2
|
6.9
|
43.1
|
41
|
3,220,000
|
18,178
|
1,715,746,863
|
93
|
7,476,870
|
3
|
44.4
|
7.5
|
56.0
|
35
|
3,585,490
|
13,750
|
1,326,779,801
|
79
|
6,398,325
|
4
|
52.7
|
8.8
|
72.6
|
36
|
3,790,000
|
10,724
|
1,016,746,613
|
68
|
5,219,791
|
5
|
48.2
|
8.7
|
51.5
|
31
|
2,404,000
|
9,330
|
855,071,345
|
64
|
4,670,321
|
6
|
47.9
|
8.9
|
58.5
|
29
|
2,459,491
|
8,080
|
714,072,293
|
61
|
4,202,247
|
7+
|
50.5
|
5.5
|
50.6
|
85
|
5,641,274
|
18,484
|
1,537,522,774
|
169
|
11,139,067
|
Total
|
44.8
|
2.7
|
49.2
|
286
|
23,278,855
|
101,407
|
9,242,449,791
|
638
|
47,268,563
|
By Issue Age
|
20-24
|
120.7
|
60.4
|
81.4
|
4
|
285,000
|
3,879
|
405,675,711
|
3
|
350,280
|
25-29
|
24.7
|
14.2
|
20.0
|
3
|
250,000
|
9,591
|
970,519,532
|
12
|
1,247,877
|
30-34
|
44.3
|
13.4
|
48.2
|
11
|
1,300,000
|
12,594
|
1,352,154,685
|
25
|
2,698,775
|
35-39
|
64.9
|
12.2
|
60.0
|
28
|
2,925,000
|
14,104
|
1,580,017,311
|
43
|
4,876,711
|
40-44
|
59.0
|
8.8
|
53.8
|
45
|
4,420,000
|
16,100
|
1,758,274,083
|
76
|
8,218,015
|
45-49
|
51.2
|
6.7
|
60.1
|
58
|
6,295,658
|
16,131
|
1,520,618,194
|
114
|
10,480,485
|
50-54
|
39.8
|
4.8
|
44.0
|
70
|
4,850,197
|
17,120
|
1,101,028,957
|
176
|
11,019,460
|
55-59
|
42.3
|
5.9
|
41.7
|
52
|
2,533,000
|
8,686
|
437,916,560
|
123
|
6,073,729
|
60-64
|
20.3
|
6.1
|
17.7
|
11
|
350,000
|
2,780
|
103,428,367
|
54
|
1,979,606
|
65+
|
28.0
|
16.2
|
21.6
|
3
|
70,000
|
421
|
12,816,391
|
11
|
323,625
|
Total
|
44.8
|
2.7
|
49.2
|
286
|
23,278,855
|
101,407
|
9,242,449,791
|
638
|
47,268,563
|
By Attained Age
|
20-24
|
68.9
|
68.9
|
69.4
|
1
|
100,000
|
2,040
|
202,963,588
|
1
|
143,992
|
25-29
|
40.9
|
23.6
|
25.7
|
3
|
185,000
|
7,046
|
692,775,742
|
7
|
719,592
|
30-34
|
64.6
|
19.5
|
56.3
|
11
|
1,000,000
|
10,900
|
1,138,323,454
|
17
|
1,776,165
|
35-39
|
30.2
|
10.1
|
38.8
|
9
|
1,275,000
|
12,590
|
1,383,243,947
|
30
|
3,281,967
|
40-44
|
55.7
|
10.3
|
44.9
|
29
|
2,725,000
|
14,422
|
1,675,805,293
|
52
|
6,067,946
|
45-49
|
64.9
|
8.7
|
71.7
|
55
|
6,355,590
|
15,513
|
1,625,956,796
|
85
|
8,868,708
|
50-54
|
46.6
|
6.0
|
48.3
|
61
|
5,112,568
|
16,244
|
1,320,506,332
|
131
|
10,581,301
|
55-59
|
36.9
|
4.9
|
46.0
|
57
|
4,248,697
|
13,541
|
813,592,906
|
155
|
9,245,169
|
60-64
|
42.1
|
6.3
|
39.4
|
45
|
1,872,000
|
6,786
|
305,335,338
|
107
|
4,756,762
|
65+
|
27.2
|
7.3
|
22.2
|
14
|
405,000
|
2,326
|
83,946,394
|
51
|
1,826,960
|
Total
|
44.8
|
2.7
|
49.2
|
286
|
23,278,855
|
101,407
|
9,242,449,791
|
638
|
47,268,563
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.22
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
47.9
|
3.7
|
63.3
|
166
|
16,310,736
|
71,592
|
5,682,101,325
|
345
|
25,755,154
|
Total
|
47.9
|
3.7
|
63.3
|
166
|
16,310,736
|
71,592
|
5,682,101,325
|
345
|
25,755,154
|
By Issue Age
|
20-44
|
57.1
|
6.5
|
77.8
|
76
|
9,044,000
|
48,683
|
4,129,797,050
|
134
|
11,630,962
|
45-49
|
47.3
|
7.7
|
58.0
|
38
|
3,656,200
|
11,877
|
896,765,270
|
81
|
6,305,432
|
50+
|
39.0
|
5.5
|
46.2
|
51
|
3,610,536
|
11,032
|
655,539,005
|
131
|
7,818,760
|
Total
|
47.9
|
3.7
|
63.3
|
166
|
16,310,736
|
71,592
|
5,682,101,325
|
345
|
25,755,154
|
By Attained Age
|
20-54
|
52.1
|
4.7
|
67.5
|
125
|
12,966,736
|
63,884
|
5,193,186,093
|
241
|
19,206,932
|
55-64
|
41.2
|
6.8
|
55.7
|
37
|
3,259,000
|
7,058
|
457,367,834
|
90
|
5,845,876
|
65+
|
20.8
|
12.0
|
12.1
|
3
|
85,000
|
650
|
31,547,398
|
14
|
702,346
|
Total
|
47.9
|
3.7
|
63.3
|
166
|
16,310,736
|
71,592
|
5,682,101,325
|
345
|
25,755,154
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 10.23
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.3
|
3.4
|
25.7
|
42
|
2,782,500
|
75,249
|
4,926,860,072
|
189
|
10,813,582
|
2
|
57.5
|
5.7
|
67.2
|
102
|
6,830,470
|
65,533
|
4,288,897,302
|
178
|
10,162,455
|
3
|
51.7
|
5.6
|
53.4
|
86
|
5,112,700
|
56,374
|
3,687,263,355
|
167
|
9,575,604
|
4
|
62.9
|
6.4
|
66.2
|
97
|
5,834,490
|
47,424
|
3,078,543,543
|
154
|
8,809,523
|
5
|
52.1
|
6.2
|
54.2
|
71
|
4,131,749
|
39,154
|
2,496,815,811
|
137
|
7,626,017
|
6
|
68.6
|
7.7
|
68.6
|
80
|
4,384,500
|
30,969
|
1,926,753,972
|
117
|
6,391,166
|
7+
|
63.7
|
5.0
|
69.2
|
163
|
9,563,523
|
55,844
|
3,373,748,788
|
256
|
13,810,875
|
Total
|
53.6
|
2.1
|
57.5
|
642
|
38,639,932
|
370,547
|
23,778,882,842
|
1,198
|
67,189,220
|
By Issue Age
|
20-39
|
54.7
|
3.3
|
55.6
|
269
|
19,051,427
|
261,943
|
18,353,373,405
|
492
|
34,273,258
|
40-44
|
57.7
|
4.9
|
64.4
|
141
|
8,753,853
|
52,937
|
2,996,561,454
|
244
|
13,587,189
|
45-49
|
50.2
|
4.4
|
51.5
|
129
|
6,147,913
|
37,060
|
1,733,627,692
|
258
|
11,944,976
|
50+
|
50.3
|
5.0
|
63.5
|
103
|
4,686,739
|
18,607
|
695,320,291
|
204
|
7,383,797
|
Total
|
53.6
|
2.1
|
57.5
|
642
|
38,639,932
|
370,547
|
23,778,882,842
|
1,198
|
67,189,220
|
By Attained Age
|
20-44
|
53.6
|
3.1
|
54.8
|
305
|
21,286,758
|
283,983
|
19,670,478,465
|
569
|
38,843,002
|
45-49
|
52.2
|
4.6
|
60.1
|
130
|
7,778,122
|
46,136
|
2,410,882,359
|
250
|
12,943,732
|
50-54
|
53.2
|
5.0
|
52.5
|
114
|
5,008,952
|
27,245
|
1,216,289,015
|
215
|
9,539,321
|
55-59
|
60.2
|
7.3
|
82.7
|
68
|
3,537,500
|
10,077
|
383,662,634
|
114
|
4,276,051
|
60+
|
47.3
|
9.6
|
64.8
|
24
|
1,028,600
|
3,107
|
97,570,369
|
51
|
1,587,114
|
Total
|
53.6
|
2.1
|
57.5
|
642
|
38,639,932
|
370,547
|
23,778,882,842
|
1,198
|
67,189,220
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 11.1
EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
64.4
|
10.3
|
62.7
|
39
|
3,970,000
|
6,910
|
726,219,668
|
61
|
6,330,016
|
1997
|
69.4
|
7.4
|
69.6
|
89
|
8,400,000
|
13,493
|
1,335,503,661
|
128
|
12,068,354
|
1998
|
69.1
|
6.2
|
63.8
|
126
|
10,873,583
|
21,212
|
2,096,208,970
|
182
|
17,038,082
|
1999
|
57.5
|
4.3
|
64.5
|
175
|
16,742,921
|
39,560
|
3,619,935,490
|
305
|
25,969,673
|
2000
|
58.0
|
3.4
|
58.0
|
283
|
23,174,312
|
71,042
|
6,237,719,966
|
488
|
39,976,076
|
2001
|
59.3
|
2.4
|
62.1
|
607
|
51,609,113
|
171,947
|
14,926,759,936
|
1,024
|
83,089,686
|
2002
|
56.6
|
2.1
|
59.3
|
714
|
59,423,250
|
236,876
|
19,900,380,863
|
1,261
|
100,213,065
|
2003
|
52.3
|
1.9
|
55.4
|
795
|
67,849,229
|
314,948
|
26,920,092,156
|
1,519
|
122,430,693
|
2004
|
51.3
|
2.0
|
53.7
|
687
|
59,203,249
|
297,231
|
25,850,289,203
|
1,339
|
110,210,877
|
2005
|
49.6
|
2.3
|
54.3
|
477
|
43,667,051
|
229,703
|
20,413,775,558
|
962
|
80,395,364
|
2006
|
46.4
|
2.5
|
48.6
|
342
|
29,207,125
|
188,509
|
16,558,034,004
|
736
|
60,056,764
|
2007
|
44.2
|
2.9
|
43.9
|
234
|
19,813,858
|
143,271
|
13,056,237,986
|
530
|
45,129,761
|
2008
|
42.9
|
3.2
|
38.1
|
176
|
13,084,639
|
121,574
|
10,713,326,523
|
409
|
34,382,957
|
2009
|
30.0
|
3.3
|
34.2
|
84
|
7,894,064
|
86,684
|
7,447,303,273
|
278
|
23,054,595
|
2010
|
22.2
|
3.9
|
24.3
|
32
|
2,871,000
|
46,405
|
3,970,904,778
|
144
|
11,792,880
|
Total
|
51.9
|
0.7
|
54.1
|
4,861
|
417,783,394
|
1,989,364
|
173,772,692,037
|
9,366
|
772,138,843
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 11.2
MALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
60.3
|
12.8
|
58.4
|
22
|
2,445,000
|
3,614
|
424,414,555
|
37
|
4,187,951
|
1997
|
75.9
|
9.8
|
74.3
|
60
|
6,085,000
|
7,301
|
810,479,686
|
79
|
8,191,449
|
1998
|
63.8
|
7.6
|
60.9
|
71
|
6,963,583
|
11,281
|
1,241,985,604
|
111
|
11,435,570
|
1999
|
56.2
|
5.7
|
60.0
|
98
|
9,865,000
|
20,287
|
2,057,704,140
|
175
|
16,442,322
|
2000
|
56.7
|
4.6
|
52.9
|
153
|
12,898,389
|
35,589
|
3,462,536,129
|
270
|
24,385,510
|
2001
|
55.1
|
3.2
|
59.3
|
297
|
29,637,315
|
83,976
|
8,265,849,037
|
539
|
49,954,789
|
2002
|
57.4
|
2.9
|
59.4
|
382
|
35,323,954
|
115,976
|
10,933,408,584
|
666
|
59,509,452
|
2003
|
48.5
|
2.5
|
51.9
|
378
|
37,138,976
|
152,548
|
14,764,069,973
|
781
|
71,533,246
|
2004
|
46.8
|
2.6
|
49.2
|
317
|
31,316,589
|
143,593
|
13,976,635,263
|
678
|
63,645,943
|
2005
|
47.2
|
3.1
|
52.2
|
232
|
24,324,660
|
112,732
|
11,183,291,612
|
491
|
46,611,049
|
2006
|
47.2
|
3.6
|
41.5
|
174
|
14,121,603
|
92,313
|
9,025,162,811
|
368
|
34,025,363
|
2007
|
39.7
|
3.9
|
38.4
|
104
|
9,837,858
|
69,408
|
7,213,938,758
|
262
|
25,638,250
|
2008
|
40.3
|
4.5
|
35.6
|
79
|
6,879,000
|
57,635
|
5,817,775,769
|
197
|
19,323,074
|
2009
|
25.3
|
4.4
|
35.3
|
33
|
4,512,500
|
40,531
|
3,977,926,562
|
131
|
12,766,584
|
2010
|
22.3
|
5.8
|
25.1
|
15
|
1,631,000
|
21,603
|
2,148,037,289
|
67
|
6,499,032
|
Total
|
49.8
|
1.0
|
51.3
|
2,416
|
232,980,427
|
968,387
|
95,303,215,772
|
4,853
|
454,149,583
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014
TABLE 11.3
FEMALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
70.7
|
17.1
|
71.2
|
17
|
1,525,000
|
3,296
|
301,805,113
|
24
|
2,142,065
|
1997
|
58.9
|
10.9
|
59.7
|
29
|
2,315,000
|
6,192
|
525,023,975
|
49
|
3,876,906
|
1998
|
77.5
|
10.5
|
69.8
|
55
|
3,910,000
|
9,930
|
854,223,366
|
71
|
5,602,512
|
1999
|
59.2
|
6.7
|
72.2
|
77
|
6,877,921
|
19,273
|
1,562,231,350
|
130
|
9,527,351
|
2000
|
59.7
|
5.2
|
65.9
|
130
|
10,275,923
|
35,453
|
2,775,183,837
|
218
|
15,590,566
|
2001
|
64.0
|
3.6
|
66.3
|
310
|
21,971,798
|
87,971
|
6,660,910,900
|
485
|
33,134,898
|
2002
|
55.8
|
3.1
|
59.2
|
332
|
24,099,296
|
120,900
|
8,966,972,279
|
595
|
40,703,613
|
2003
|
56.4
|
2.8
|
60.3
|
416
|
30,710,253
|
162,401
|
12,156,022,183
|
738
|
50,897,446
|
2004
|
56.0
|
2.9
|
59.9
|
370
|
27,886,660
|
153,638
|
11,873,653,940
|
661
|
46,564,934
|
2005
|
52.1
|
3.3
|
57.3
|
246
|
19,342,391
|
116,971
|
9,230,483,946
|
471
|
33,784,315
|
2006
|
45.7
|
3.5
|
58.0
|
168
|
15,085,522
|
96,195
|
7,532,871,193
|
368
|
26,031,401
|
2007
|
48.7
|
4.3
|
51.2
|
131
|
9,976,000
|
73,864
|
5,842,299,227
|
268
|
19,491,512
|
2008
|
45.4
|
4.6
|
41.2
|
96
|
6,205,639
|
63,939
|
4,895,550,754
|
212
|
15,059,883
|
2009
|
34.3
|
4.8
|
32.9
|
50
|
3,381,564
|
46,153
|
3,469,376,711
|
147
|
10,288,010
|
2010
|
22.2
|
5.4
|
23.4
|
17
|
1,240,000
|
24,802
|
1,822,867,489
|
77
|
5,293,848
|
Total
|
54.2
|
1.1
|
58.1
|
2,445
|
184,802,967
|
1,020,977
|
78,469,476,265
|
4,514
|
317,989,260
|
Thomson Data Analysis Tue Sep 30 16:41:36 2014