CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 -- NON-MEDICAL
TABLE 10.2 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.3 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.4 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.5 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.6 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.7 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.8 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.9 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.10 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.11 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.12 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.13 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.14 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.15 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.16 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.17 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.18 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- 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 2004 AND 2009
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 2.0 30.2 210 17,876,750 227,002 19,651,343,046 731 59,169,035
2 49.6 2.5 49.1 382 30,734,072 210,628 18,313,951,639 771 62,605,421
3 56.3 2.7 66.7 449 42,940,688 194,117 16,745,132,824 797 64,395,739
4 59.6 2.7 64.3 473 41,360,306 171,838 14,873,633,824 792 64,358,084
5 57.4 2.8 56.5 410 32,729,067 138,608 11,993,635,155 715 57,912,972
6 58.7 3.2 61.4 337 28,624,276 100,139 8,694,462,256 574 46,601,182
7+ 62.9 2.5 65.1 637 56,243,466 140,627 12,680,676,246 1,012 86,346,733
Total 53.7 1.0 56.8 2,898 250,508,625 1,182,960 102,952,834,990 5,392 441,389,166
By Issue Age
20-24 56.5 10.0 53.0 32 2,237,500 74,982 5,611,668,957 57 4,218,446
25-29 72.0 6.4 72.7 128 10,855,703 161,682 13,552,738,158 178 14,924,267
30-34 55.3 4.0 56.8 192 18,515,870 205,674 19,385,346,735 347 32,614,739
35-39 54.1 3.0 58.9 319 33,327,457 220,329 21,395,260,107 589 56,563,585
40-44 58.6 2.5 60.5 551 52,125,230 212,798 19,573,808,085 939 86,205,079
45-49 53.7 2.1 55.9 627 54,050,093 160,637 13,153,262,351 1,167 96,622,193
50-54 50.0 2.1 51.5 547 42,907,778 94,210 6,955,551,432 1,095 83,279,345
55-59 50.8 2.7 56.2 360 27,120,905 40,496 2,646,250,099 707 48,234,301
60+ 45.6 3.8 50.0 143 9,368,089 12,152 678,949,065 313 18,727,212
Total 53.7 1.0 56.8 2,898 250,508,625 1,182,960 102,952,834,990 5,392 441,389,166
By Attained Age
20-24 54.6 15.1 47.0 13 842,500 36,669 2,762,706,138 24 1,790,817
25-29 72.5 8.1 73.0 80 6,393,823 122,265 9,722,601,062 110 8,760,694
30-34 51.6 4.6 52.4 125 11,274,750 179,824 16,054,829,800 242 21,523,675
35-39 52.6 3.5 53.0 221 21,285,795 206,479 19,955,466,396 420 40,137,489
40-44 55.0 2.8 58.3 385 38,317,732 214,659 20,394,712,492 700 65,691,095
45-49 57.5 2.4 59.7 575 52,139,813 186,200 16,323,697,576 999 87,365,651
50-54 51.6 2.1 54.8 584 49,820,208 130,255 10,327,983,827 1,132 90,981,890
55-59 49.1 2.2 51.9 484 38,268,899 71,473 5,177,406,832 986 73,718,377
60-64 57.8 3.3 66.5 316 24,849,743 27,106 1,772,411,609 547 37,389,815
65+ 49.3 4.6 52.1 114 7,315,362 8,030 461,019,258 231 14,029,662
Total 53.7 1.0 56.8 2,898 250,508,625 1,182,960 102,952,834,990 5,392 441,389,166

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 1.2     TOTAL EXPERIENCE -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 27.8 2.8 28.6 99 9,429,750 110,243 10,709,906,080 355 32,977,731
2 49.6 3.6 46.0 190 16,322,380 102,604 10,015,791,782 382 35,447,718
3 54.0 3.7 65.2 218 24,107,693 94,639 9,143,287,755 403 36,971,254
4 56.7 3.7 62.0 231 23,252,242 83,689 8,141,920,492 407 37,502,388
5 53.6 3.8 47.1 199 16,024,356 67,444 6,575,366,837 371 34,055,079
6 55.7 4.3 56.4 169 15,701,853 49,050 4,809,250,813 304 27,837,026
7+ 59.9 3.2 62.8 341 34,060,033 70,815 7,171,027,095 569 54,254,188
Total 51.8 1.4 53.6 1,446 138,898,307 578,484 56,566,550,853 2,791 259,045,383
By Issue Age
20-24 54.8 15.2 55.2 13 1,035,000 34,971 2,765,725,637 24 1,876,606
25-29 82.9 10.7 78.8 60 5,098,296 76,223 6,749,242,395 72 6,468,331
30-34 43.0 5.4 47.5 64 7,370,000 102,140 10,516,984,121 149 15,513,871
35-39 47.1 4.2 52.3 123 15,010,434 110,063 11,988,632,048 262 28,679,072
40-44 51.9 3.4 54.8 236 26,435,235 106,021 11,203,088,681 456 48,270,688
45-49 51.4 2.9 50.9 312 29,400,284 78,374 7,430,839,657 607 57,749,571
50-54 52.5 2.9 53.0 326 28,655,018 45,636 3,967,192,730 620 54,033,881
55-59 53.8 3.6 57.5 226 18,932,932 19,530 1,533,079,855 420 32,952,722
60-64 49.4 5.8 53.0 72 6,017,244 4,652 359,926,056 146 11,346,459
65+ 35.9 9.9 43.8 13 943,864 872 51,839,673 36 2,154,184
Total 51.8 1.4 53.6 1,446 138,898,307 578,484 56,566,550,853 2,791 259,045,383
By Attained Age
20-24 48.2 21.6 42.3 5 350,000 17,209 1,367,501,694 10 827,872
25-29 80.7 13.4 81.4 36 3,072,296 56,754 4,768,917,236 45 3,773,996
30-34 54.3 7.3 56.7 55 5,566,000 87,538 8,410,685,400 101 9,816,498
35-39 43.4 4.9 42.0 78 8,135,106 103,013 11,010,566,800 180 19,357,840
40-44 48.4 3.9 54.7 155 18,900,674 107,396 11,593,950,918 320 34,548,109
45-49 49.9 3.2 47.1 245 23,379,897 91,810 9,280,190,865 492 49,597,168
50-54 49.8 2.9 54.4 300 30,208,024 63,120 5,816,086,022 603 55,522,076
55-59 51.8 3.0 51.8 296 25,520,470 34,636 2,995,752,424 571 49,281,934
60-64 61.2 4.3 70.2 203 18,383,217 13,253 1,044,623,420 332 26,199,150
65+ 52.3 6.2 53.2 72 5,382,623 3,754 278,276,074 138 10,120,740
Total 51.8 1.4 53.6 1,446 138,898,307 578,484 56,566,550,853 2,791 259,045,383

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 1.3     TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 29.7 2.8 32.3 111 8,447,000 116,759 8,941,436,966 375 26,191,305
2 49.5 3.6 53.1 192 14,411,692 108,024 8,298,159,857 388 27,157,703
3 58.6 3.9 68.7 231 18,832,995 99,478 7,601,845,069 394 27,424,485
4 62.7 4.0 67.4 242 18,108,064 88,149 6,731,713,332 386 26,855,696
5 61.4 4.2 70.0 211 16,704,711 71,164 5,418,268,318 344 23,857,893
6 62.1 4.8 68.9 168 12,922,423 51,089 3,885,211,443 270 18,764,156
7+ 66.7 3.9 69.1 296 22,183,433 69,812 5,509,649,151 444 32,092,545
Total 55.8 1.5 61.2 1,452 111,610,318 604,475 46,386,284,137 2,601 182,343,782
By Issue Age
20-24 57.7 13.2 51.3 19 1,202,500 40,011 2,845,943,320 33 2,341,840
25-29 64.5 7.8 68.1 68 5,757,407 85,459 6,803,495,762 105 8,455,937
30-34 64.5 5.7 65.2 128 11,145,870 103,533 8,868,362,614 199 17,100,868
35-39 59.7 4.3 65.7 195 18,317,023 110,266 9,406,628,059 327 27,884,513
40-44 65.0 3.7 67.7 314 25,689,995 106,777 8,370,719,404 484 37,934,391
45-49 56.2 3.2 63.4 314 24,649,809 82,263 5,722,422,694 560 38,872,622
50-54 46.6 3.1 48.7 221 14,252,760 48,573 2,988,358,702 475 29,245,464
55-59 46.5 4.0 53.6 134 8,187,973 20,966 1,113,170,244 287 15,281,579
60+ 44.2 5.8 46.1 58 2,406,981 6,628 267,183,337 131 5,226,569
Total 55.8 1.5 61.2 1,452 111,610,318 604,475 46,386,284,137 2,601 182,343,782
By Attained Age
20-24 59.6 21.1 51.1 8 492,500 19,460 1,395,204,444 13 962,945
25-29 66.9 10.1 66.6 44 3,321,527 65,511 4,953,683,826 66 4,986,698
30-34 49.7 5.9 48.8 70 5,708,750 92,286 7,644,144,400 141 11,707,177
35-39 59.5 5.0 63.3 143 13,150,689 103,465 8,944,899,596 240 20,779,649
40-44 60.6 4.0 62.3 230 19,417,058 107,264 8,800,761,574 380 31,142,986
45-49 64.9 3.6 76.1 329 28,759,916 94,390 7,043,506,711 507 37,768,482
50-54 53.6 3.2 55.3 284 19,612,184 67,135 4,511,897,805 530 35,459,814
55-59 45.4 3.3 52.2 188 12,748,429 36,837 2,181,654,409 415 24,436,444
60-64 52.7 5.0 57.8 113 6,466,526 13,853 727,788,189 215 11,190,664
65+ 44.9 6.9 49.4 42 1,932,739 4,276 182,743,184 94 3,908,923
Total 55.8 1.5 61.2 1,452 111,610,318 604,475 46,386,284,137 2,601 182,343,782

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.1     TOTAL EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 52.5 8.6 64.1 37 2,537,750 27,692 1,739,198,346 71 3,958,714
2 65.3 9.6 66.8 46 2,585,000 24,168 1,499,948,929 71 3,872,078
3 91.4 11.5 125.2 63 4,724,573 21,183 1,292,390,009 69 3,774,567
4 85.1 11.4 71.4 56 2,615,056 18,114 1,116,596,439 66 3,664,928
5 82.9 12.1 102.5 47 3,269,605 13,993 867,017,849 57 3,188,800
6 88.9 14.2 71.3 39 1,777,628 9,757 609,526,362 44 2,491,893
7+ 91.1 10.9 89.4 70 4,300,070 13,033 883,588,034 77 4,807,654
Total 78.9 4.2 84.7 359 21,809,682 127,939 8,008,265,968 455 25,758,635
By Issue Age
20-24 60.0 24.5 46.3 6 275,000 13,483 806,509,814 10 594,100
25-29 87.9 19.2 97.6 21 1,530,880 22,975 1,523,968,859 24 1,569,098
30-34 55.7 12.1 55.1 21 1,462,870 23,182 1,643,427,716 38 2,653,046
35-39 69.6 10.7 69.4 42 2,804,649 23,088 1,557,708,667 60 4,040,670
40-44 83.6 9.6 100.1 76 5,569,565 21,104 1,284,794,838 91 5,563,967
45-49 98.5 9.8 121.8 100 6,726,008 14,457 770,500,105 102 5,521,252
50-54 59.1 8.8 46.7 45 1,672,960 6,781 306,482,306 76 3,583,467
55-59 86.6 14.8 74.5 34 1,300,850 2,313 96,164,512 40 1,747,145
60-64 92.3 27.8 89.4 11 381,900 505 16,901,074 12 427,138
65+ 113.1 80.0 144.7 2 85,000 51 1,808,077 2 58,752
Total 78.9 4.2 84.7 359 21,809,682 127,939 8,008,265,968 455 25,758,635
By Attained Age
20-24 45.7 32.3 19.2 2 50,000 6,814 407,608,111 4 260,667
25-29 74.9 20.8 101.4 13 1,120,000 19,845 1,270,177,271 17 1,104,284
30-34 80.6 16.8 77.3 23 1,483,750 21,987 1,497,543,827 29 1,918,242
35-39 57.2 11.4 46.4 25 1,384,000 22,015 1,526,346,288 44 2,982,884
40-44 65.6 9.6 71.9 47 3,257,818 22,268 1,430,755,219 72 4,530,305
45-49 104.4 10.4 133.8 100 7,465,404 18,035 1,050,166,666 96 5,580,018
50-54 66.5 8.5 78.1 61 3,689,000 10,631 539,801,407 92 4,723,306
55-59 78.1 11.1 62.2 49 1,888,210 4,622 214,634,628 63 3,037,872
60-64 100.5 19.0 81.0 28 1,009,600 1,377 58,751,437 28 1,245,981
65+ 102.4 32.4 123.1 10 461,900 344 12,481,113 10 375,076
Total 78.9 4.2 84.7 359 21,809,682 127,939 8,008,265,968 455 25,758,635

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 67.2 13.3 78.4 25 1,849,750 15,689 1,085,156,013 38 2,358,133
2 80.6 14.7 84.2 30 1,920,000 13,429 919,873,671 37 2,280,993
3 96.4 16.3 102.8 35 2,278,573 11,579 781,171,049 36 2,215,659
4 85.9 15.7 80.1 30 1,759,531 9,854 679,208,671 35 2,195,737
5 66.1 14.8 78.9 20 1,519,600 7,574 526,048,789 30 1,925,548
6 71.7 17.4 53.8 17 823,500 5,278 372,751,437 24 1,529,679
7+ 93.9 14.5 96.1 42 3,024,000 7,206 552,383,902 45 3,146,041
Total 81.4 5.8 84.2 200 13,174,954 70,607 4,916,593,531 245 15,651,789
By Issue Age
20-24 40.7 28.8 39.9 2 125,000 7,232 462,992,008 5 312,993
25-29 82.6 26.1 64.5 10 560,000 13,136 934,631,777 12 867,565
30-34 57.2 17.2 57.3 11 875,000 13,476 1,055,248,056 19 1,528,357
35-39 78.2 16.0 77.2 24 1,807,000 13,052 982,101,947 31 2,341,210
40-44 87.9 13.6 92.2 42 3,044,565 11,489 782,046,681 48 3,303,359
45-49 103.0 13.6 126.2 57 4,341,008 7,496 457,670,194 56 3,439,984
50-54 61.4 11.8 50.9 27 1,191,531 3,400 176,613,167 44 2,342,800
55-59 86.8 19.2 80.4 20 970,850 1,097 55,663,206 23 1,208,003
60-64 83.6 37.4 88.8 5 235,000 191 8,527,666 6 264,630
65+ 68.8 68.8 58.3 1 25,000 38 1,098,830 1 42,888
Total 81.4 5.8 84.2 200 13,174,954 70,607 4,916,593,531 245 15,651,789
By Attained Age
20-24 46.1 46.1 17.7 1 25,000 3,608 234,570,021 2 141,367
25-29 80.2 30.3 76.8 7 455,000 11,158 754,419,195 9 592,772
30-34 82.2 23.7 68.8 12 755,000 12,762 953,136,847 15 1,096,661
35-39 59.4 16.5 51.4 13 862,000 12,611 963,728,270 22 1,677,501
40-44 68.0 13.6 82.5 25 2,189,565 12,417 898,589,087 37 2,655,104
45-49 118.3 15.2 130.9 60 4,378,008 9,581 630,857,694 51 3,345,039
50-54 65.2 11.3 74.2 33 2,194,000 5,390 313,848,424 51 2,957,145
55-59 75.4 14.4 62.6 27 1,261,781 2,220 123,165,939 36 2,016,937
60-64 86.2 22.3 81.4 15 744,600 703 37,283,895 17 914,440
65+ 104.3 42.6 121.7 6 310,000 158 6,994,159 6 254,823
Total 81.4 5.8 84.2 200 13,174,954 70,607 4,916,593,531 245 15,651,789

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.3     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 10.3 43.0 12 688,000 12,003 654,042,333 34 1,600,581
2 48.2 12.0 41.8 16 665,000 10,739 580,075,258 33 1,591,086
3 85.9 16.2 156.9 28 2,446,000 9,604 511,218,960 33 1,558,908
4 84.1 16.5 58.2 26 855,525 8,260 437,387,768 31 1,469,191
5 102.1 19.6 138.5 27 1,750,005 6,419 340,969,060 26 1,263,252
6 109.0 23.2 99.2 22 954,128 4,480 236,774,925 20 962,214
7+ 87.2 16.5 76.8 28 1,276,070 5,827 331,204,132 32 1,661,614
Total 76.1 6.0 85.4 159 8,634,728 57,332 3,091,672,437 209 10,106,846
By Issue Age
20-24 78.5 39.3 53.4 4 150,000 6,251 343,517,806 5 281,107
25-29 93.3 28.1 138.4 11 970,880 9,839 589,337,082 12 701,533
30-34 54.1 17.1 52.3 10 587,870 9,706 588,179,660 18 1,124,689
35-39 60.7 14.3 58.7 18 997,649 10,036 575,606,720 30 1,699,460
40-44 78.8 13.5 111.7 34 2,525,000 9,615 502,748,157 43 2,260,608
45-49 93.1 14.2 114.6 43 2,385,000 6,961 312,829,911 46 2,081,269
50-54 55.9 13.2 38.8 18 481,429 3,381 129,869,139 32 1,240,666
55-59 86.2 23.0 61.2 14 330,000 1,216 40,501,305 16 539,142
60+ 111.8 42.3 116.0 7 206,900 327 9,082,654 6 178,372
Total 76.1 6.0 85.4 159 8,634,728 57,332 3,091,672,437 209 10,106,846
By Attained Age
20-24 45.3 45.3 21.0 1 25,000 3,206 173,038,090 2 119,300
25-29 69.6 28.4 130.0 6 665,000 8,688 515,758,076 9 511,512
30-34 78.9 23.8 88.7 11 728,750 9,225 544,406,980 14 821,581
35-39 55.0 15.9 40.0 12 522,000 9,404 562,618,018 22 1,305,383
40-44 63.1 13.5 57.0 22 1,068,253 9,851 532,166,132 35 1,875,202
45-49 88.7 14.0 138.1 40 3,087,396 8,455 419,308,972 45 2,234,979
50-54 68.0 12.9 84.6 28 1,495,000 5,240 225,952,983 41 1,766,161
55-59 81.9 17.5 61.4 22 626,429 2,402 91,468,689 27 1,020,935
60-64 124.1 34.4 79.9 13 265,000 674 21,467,542 10 331,541
65+ 99.7 49.8 126.3 4 151,900 187 5,486,954 4 120,253
Total 76.1 6.0 85.4 159 8,634,728 57,332 3,091,672,437 209 10,106,846

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.4     TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 2.0 27.8 173 15,339,000 199,311 17,912,144,700 659 55,210,322
2 48.0 2.6 47.9 336 28,149,072 186,461 16,814,002,710 700 58,733,343
3 52.9 2.7 63.0 385 38,216,115 172,935 15,452,742,816 728 60,621,172
4 57.3 2.8 63.8 417 38,745,250 153,724 13,757,037,385 726 60,693,155
5 55.2 2.9 53.8 363 29,459,462 124,615 11,126,617,306 658 54,724,172
6 56.2 3.3 60.9 298 26,846,648 90,381 8,084,935,894 530 44,109,289
7+ 60.6 2.5 63.7 567 51,943,396 127,594 11,797,088,212 936 81,539,079
Total 51.4 1.0 55.0 2,539 228,698,943 1,055,021 94,944,569,023 4,938 415,630,531
By Issue Age
20-24 55.7 10.9 54.1 26 1,962,500 61,499 4,805,159,143 47 3,624,346
25-29 69.5 6.7 69.8 107 9,324,823 138,707 12,028,769,298 154 13,355,169
30-34 55.2 4.2 56.9 171 17,053,000 182,492 17,741,919,019 310 29,961,693
35-39 52.3 3.1 58.1 277 30,522,808 197,242 19,837,551,440 529 52,522,914
40-44 55.9 2.6 57.7 475 46,555,665 191,694 18,289,013,247 848 80,641,112
45-49 49.4 2.2 51.9 526 47,324,085 146,180 12,382,762,246 1,065 91,100,941
50-54 49.3 2.2 51.7 502 41,234,818 87,429 6,649,069,126 1,018 79,695,878
55-59 48.7 2.7 55.5 325 25,820,055 38,183 2,550,085,588 668 46,487,156
60+ 43.4 3.8 48.8 130 8,901,189 11,596 660,239,915 300 18,241,322
Total 51.4 1.0 55.0 2,539 228,698,943 1,055,021 94,944,569,023 4,938 415,630,531
By Attained Age
20-24 56.6 17.1 51.8 11 792,500 29,855 2,355,098,027 19 1,530,150
25-29 72.0 8.8 68.9 67 5,273,823 102,420 8,452,423,791 93 7,656,410
30-34 47.7 4.7 49.9 102 9,791,000 157,837 14,557,285,973 214 19,605,434
35-39 52.1 3.7 53.6 196 19,901,795 184,463 18,429,120,109 376 37,154,605
40-44 53.8 2.9 57.3 338 35,059,914 192,392 18,963,957,273 628 61,160,790
45-49 52.5 2.4 54.6 474 44,674,409 168,165 15,273,530,910 903 81,785,633
50-54 50.3 2.2 53.5 523 46,131,208 119,624 9,788,182,420 1,040 86,258,584
55-59 47.2 2.3 51.5 435 36,380,689 66,851 4,962,772,204 923 70,680,505
60-64 55.6 3.3 66.0 288 23,840,143 25,729 1,713,660,172 519 36,143,834
65+ 46.9 4.6 50.2 104 6,853,462 7,686 448,538,145 222 13,654,586
Total 51.4 1.0 55.0 2,539 228,698,943 1,055,021 94,944,569,023 4,938 415,630,531

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 2.7 24.8 73 7,580,000 94,554 9,624,750,067 318 30,619,598
2 46.2 3.7 43.4 160 14,402,380 89,175 9,095,918,110 345 33,166,725
3 49.8 3.7 62.8 183 21,829,120 83,060 8,362,116,706 367 34,755,595
4 54.0 3.8 60.9 201 21,492,711 73,835 7,462,711,822 372 35,306,651
5 52.5 3.9 45.1 179 14,504,756 59,870 6,049,318,048 341 32,129,530
6 54.3 4.4 56.6 152 14,878,353 43,772 4,436,499,376 280 26,307,347
7+ 57.0 3.3 60.7 299 31,036,033 63,609 6,618,643,193 524 51,108,147
Total 48.9 1.4 51.7 1,246 125,723,353 507,877 51,649,957,322 2,546 243,393,595
By Issue Age
20-24 58.5 17.6 58.2 11 910,000 27,739 2,302,733,629 19 1,563,613
25-29 83.0 11.7 81.0 50 4,538,296 63,087 5,814,610,618 60 5,600,766
30-34 40.9 5.6 46.4 53 6,495,000 88,664 9,461,736,065 130 13,985,514
35-39 42.9 4.3 50.1 99 13,203,434 97,011 11,006,530,101 231 26,337,862
40-44 47.7 3.4 52.0 194 23,390,670 94,532 10,421,042,000 408 44,967,329
45-49 46.3 2.9 46.1 255 25,059,276 70,878 6,973,169,464 552 54,309,587
50-54 51.9 3.0 53.1 298 27,463,487 42,237 3,790,579,563 575 51,691,081
55-59 51.9 3.6 56.6 206 17,962,082 18,433 1,477,416,649 397 31,744,719
60-64 47.9 5.9 52.2 67 5,782,244 4,461 351,398,390 140 11,081,829
65+ 34.5 10.0 43.5 12 918,864 834 50,740,843 35 2,111,296
Total 48.9 1.4 51.7 1,246 125,723,353 507,877 51,649,957,322 2,546 243,393,595
By Attained Age
20-24 48.7 24.4 47.3 4 325,000 13,601 1,132,931,674 8 686,505
25-29 80.8 15.0 82.3 29 2,617,296 45,597 4,014,498,041 36 3,181,224
30-34 49.6 7.6 55.2 43 4,811,000 74,776 7,457,548,553 87 8,719,838
35-39 41.2 5.1 41.1 65 7,273,106 90,402 10,046,838,530 158 17,680,339
40-44 45.8 4.0 52.4 130 16,711,109 94,979 10,695,361,831 283 31,893,006
45-49 42.0 3.1 41.1 185 19,001,889 82,229 8,649,333,171 441 46,252,129
50-54 48.4 3.0 53.3 267 28,014,024 57,730 5,502,237,598 552 52,564,931
55-59 50.2 3.1 51.3 269 24,258,689 32,416 2,872,586,485 535 47,264,997
60-64 59.8 4.4 69.8 188 17,638,617 12,550 1,007,339,525 315 25,284,710
65+ 50.0 6.2 51.4 66 5,072,623 3,597 271,281,915 132 9,865,917
Total 48.9 1.4 51.7 1,246 125,723,353 507,877 51,649,957,322 2,546 243,393,595

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 2.6     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 29.1 2.9 31.6 99 7,759,000 104,756 8,287,394,633 342 24,590,723
2 49.7 3.7 53.8 176 13,746,692 97,285 7,718,084,599 355 25,566,618
3 56.1 3.9 63.4 203 16,386,995 89,875 7,090,626,109 361 25,865,577
4 60.9 4.1 68.0 216 17,252,539 79,889 6,294,325,564 355 25,386,504
5 58.1 4.3 66.2 184 14,954,706 64,745 5,077,299,258 317 22,594,641
6 58.3 4.8 67.2 146 11,968,295 46,609 3,648,436,518 250 17,801,942
7+ 65.1 4.0 68.7 268 20,907,363 63,985 5,178,445,019 411 30,430,932
Total 54.1 1.5 59.8 1,293 102,975,590 547,144 43,294,611,701 2,391 172,236,937
By Issue Age
20-24 53.8 13.9 51.1 15 1,052,500 33,760 2,502,425,514 28 2,060,733
25-29 60.8 8.1 61.7 57 4,786,527 75,619 6,214,158,680 94 7,754,404
30-34 65.5 6.0 66.1 118 10,558,000 93,828 8,280,182,954 180 15,976,179
35-39 59.6 4.5 66.1 177 17,319,374 100,231 8,831,021,339 297 26,185,052
40-44 63.6 3.8 64.9 280 23,164,995 97,162 7,867,971,247 440 35,673,783
45-49 52.9 3.2 60.5 271 22,264,809 75,302 5,409,592,782 513 36,791,353
50-54 45.9 3.2 49.2 203 13,771,331 45,192 2,858,489,563 443 28,004,797
55-59 44.1 4.0 53.3 120 7,857,973 19,750 1,072,668,939 271 14,742,437
60+ 40.8 5.7 43.6 51 2,200,081 6,301 258,100,682 125 5,048,197
Total 54.1 1.5 59.8 1,293 102,975,590 547,144 43,294,611,701 2,391 172,236,937
By Attained Age
20-24 62.4 23.6 55.4 7 467,500 16,254 1,222,166,354 11 843,646
25-29 66.5 10.8 59.4 38 2,656,527 56,823 4,437,925,750 57 4,475,186
30-34 46.4 6.0 45.7 59 4,980,000 83,061 7,099,737,420 127 10,885,596
35-39 60.0 5.2 64.8 131 12,628,689 94,061 8,382,281,578 218 19,474,266
40-44 60.3 4.2 62.7 208 18,348,805 97,413 8,268,595,442 346 29,267,784
45-49 62.6 3.7 72.2 289 25,672,520 85,936 6,624,197,739 462 35,533,504
50-54 52.4 3.3 53.8 256 18,117,184 61,894 4,285,944,822 488 33,693,654
55-59 42.9 3.3 51.8 166 12,122,000 34,435 2,090,185,719 388 23,415,509
60-64 49.0 4.9 57.1 100 6,201,526 13,179 706,320,647 204 10,859,124
65+ 42.4 6.9 47.0 38 1,780,839 4,089 177,256,230 90 3,788,670
Total 54.1 1.5 59.8 1,293 102,975,590 547,144 43,294,611,701 2,391 172,236,937

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 3.2 23.3 53 1,181,750 54,972 1,252,051,053 227 5,075,232
2 42.3 4.2 45.2 101 2,444,869 51,260 1,176,907,369 239 5,405,503
3 50.2 4.5 52.6 124 2,953,033 47,639 1,102,889,100 246 5,619,135
4 56.2 4.8 54.4 136 3,035,960 41,983 980,087,202 242 5,576,780
5 49.7 4.8 51.6 106 2,557,397 33,250 780,652,230 213 4,960,206
6 64.1 6.2 68.4 106 2,656,006 23,279 550,776,825 165 3,885,724
7+ 52.4 4.7 55.1 126 3,226,358 27,176 659,425,493 241 5,852,198
Total 47.8 1.7 49.6 752 18,055,373 279,558 6,502,789,272 1,575 36,374,778
By Issue Age
20-24 69.7 21.0 90.6 11 295,000 20,871 430,395,380 16 325,778
25-29 73.0 14.1 75.9 27 625,000 33,821 755,214,927 37 823,917
30-34 52.5 9.3 59.0 32 835,000 36,194 838,424,720 61 1,415,530
35-39 45.8 6.6 52.6 48 1,352,331 39,615 961,719,998 105 2,572,338
40-44 53.5 5.1 57.1 108 2,823,437 46,275 1,127,797,717 202 4,940,749
45-49 47.8 3.9 48.4 153 3,785,123 45,398 1,100,806,454 321 7,822,194
50-54 44.8 3.5 43.5 164 3,756,537 32,797 768,461,595 367 8,642,182
55-59 46.3 3.9 48.1 138 3,094,756 17,846 384,423,883 298 6,440,002
60+ 41.8 5.0 43.9 70 1,488,189 6,742 135,544,598 168 3,392,088
Total 47.8 1.7 49.6 752 18,055,373 279,558 6,502,789,272 1,575 36,374,778
By Attained Age
20-24 89.0 36.3 108.6 6 150,000 10,402 212,091,126 7 138,138
25-29 65.1 15.8 71.9 17 410,000 28,926 631,101,643 26 570,421
30-34 47.4 10.1 49.2 22 520,000 34,260 778,037,139 46 1,056,285
35-39 50.3 8.2 60.6 38 1,088,000 36,594 867,003,042 76 1,794,893
40-44 55.1 6.2 57.0 78 1,968,180 42,862 1,040,493,902 142 3,453,548
45-49 50.8 4.5 53.6 126 3,223,751 45,834 1,109,718,649 248 6,012,982
50-54 45.0 3.7 46.1 152 3,707,192 39,010 932,351,392 337 8,037,498
55-59 41.4 3.4 40.6 145 3,241,244 25,890 594,045,039 349 7,987,540
60-64 50.4 4.7 51.2 115 2,537,544 11,694 253,742,023 229 4,955,913
65+ 46.2 6.3 51.1 53 1,209,462 4,085 84,205,316 115 2,367,560
Total 47.8 1.7 49.6 752 18,055,373 279,558 6,502,789,272 1,575 36,374,778

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 31.7 3.8 32.3 70 3,822,500 69,131 3,734,879,144 221 11,821,170
2 49.4 4.6 49.5 113 6,102,836 62,469 3,390,098,478 230 12,322,299
3 51.1 4.6 50.0 122 6,434,306 57,430 3,128,505,185 239 12,876,183
4 60.5 5.0 59.6 144 7,660,346 50,875 2,779,373,974 239 12,858,336
5 56.5 5.0 56.2 125 6,729,252 42,126 2,304,618,245 222 11,978,888
6 50.3 5.2 51.2 92 5,054,853 31,214 1,705,645,944 183 9,870,683
7+ 65.7 4.4 66.3 228 12,389,601 46,789 2,548,827,041 347 18,696,209
Total 53.3 1.8 53.3 895 48,193,694 360,034 19,591,948,010 1,680 90,423,768
By Issue Age
20-24 32.0 14.3 32.3 5 275,000 20,540 1,120,393,406 16 850,693
25-29 78.0 12.3 82.1 40 2,314,823 46,627 2,565,971,441 51 2,819,821
30-34 46.7 6.9 46.8 46 2,535,870 57,961 3,193,387,014 98 5,420,062
35-39 56.1 5.5 57.5 102 5,769,741 66,732 3,674,034,625 182 10,025,742
40-44 56.4 4.3 56.5 174 9,461,694 69,392 3,764,269,470 309 16,746,972
45-49 54.7 3.7 54.5 215 11,504,303 53,863 2,891,600,766 393 21,092,559
50-54 48.0 3.7 46.8 170 8,802,036 30,564 1,622,164,222 354 18,822,921
55-59 54.4 5.2 54.5 110 5,825,327 11,434 605,653,125 202 10,693,676
60-64 47.7 8.7 46.6 30 1,544,900 2,577 136,163,245 63 3,317,614
65+ 25.5 14.7 25.2 3 160,000 344 18,310,695 12 633,707
Total 53.3 1.8 53.3 895 48,193,694 360,034 19,591,948,010 1,680 90,423,768
By Attained Age
20-24 15.7 15.7 14.4 1 50,000 9,778 534,708,546 6 347,895
25-29 84.7 16.3 91.9 27 1,598,823 35,225 1,925,706,632 32 1,740,176
30-34 48.9 8.4 48.8 34 1,863,870 51,424 2,830,206,216 70 3,819,376
35-39 43.8 6.0 44.2 53 2,936,462 58,952 3,244,066,368 121 6,650,112
40-44 51.5 4.8 51.9 114 6,250,151 66,958 3,663,689,182 220 12,031,796
45-49 58.7 4.2 58.8 193 10,475,312 61,405 3,329,651,420 329 17,818,851
50-54 49.8 3.6 49.8 187 9,998,349 43,567 2,326,972,925 376 20,060,550
55-59 55.5 4.2 54.3 171 8,923,750 22,710 1,207,263,347 309 16,442,908
60-64 57.1 6.0 57.0 89 4,717,077 7,852 415,155,759 156 8,272,483
65+ 42.6 8.3 42.6 26 1,379,900 2,162 114,527,614 61 3,239,622
Total 53.3 1.8 53.3 895 48,193,694 360,034 19,591,948,010 1,680 90,423,768

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 29.0 3.5 28.4 70 7,872,500 90,752 10,323,308,270 243 27,761,681
2 58.2 4.7 56.8 151 16,899,700 85,681 9,753,029,584 260 29,769,234
3 64.0 4.9 64.9 173 20,030,000 79,070 9,006,492,651 270 30,877,049
4 60.1 4.7 59.9 162 18,514,000 70,084 8,004,010,512 270 30,926,857
5 66.9 5.2 67.6 163 18,917,418 56,128 6,426,309,314 244 27,979,635
6 60.9 5.6 57.8 120 13,063,417 40,475 4,630,926,698 197 22,593,521
7+ 65.6 4.2 66.6 243 28,377,507 58,805 6,754,043,846 370 42,603,613
Total 58.4 1.8 58.2 1,082 123,674,542 480,996 54,898,120,874 1,853 212,511,590
By Issue Age
20-24 66.8 16.7 62.8 16 1,667,500 31,751 3,524,134,794 24 2,655,574
25-29 66.9 8.9 65.8 56 6,165,880 75,816 8,489,155,396 84 9,372,487
30-34 61.6 6.0 63.6 104 12,245,000 99,921 11,391,787,491 169 19,259,643
35-39 55.3 4.6 56.3 145 17,025,385 98,806 11,380,555,507 263 30,219,817
40-44 61.2 4.1 61.6 225 26,271,750 83,411 9,656,653,488 368 42,638,713
45-49 58.1 3.9 58.5 226 26,174,000 52,918 6,074,252,762 390 44,739,545
50-54 57.2 4.2 54.8 184 20,349,205 26,747 3,071,282,869 323 37,145,593
55-59 51.8 5.4 49.8 91 9,950,822 9,574 1,081,478,300 176 19,996,079
60-64 58.2 11.0 59.6 28 3,225,000 1,778 198,357,276 48 5,414,784
65+ 62.8 25.6 56.1 6 600,000 276 30,462,990 10 1,069,356
Total 58.4 1.8 58.2 1,082 123,674,542 480,996 54,898,120,874 1,853 212,511,590
By Attained Age
20-24 59.6 24.3 57.3 6 642,500 15,505 1,728,351,929 10 1,121,815
25-29 69.0 11.8 66.3 34 3,635,000 54,638 6,075,739,030 49 5,480,825
30-34 53.6 6.8 52.8 62 6,890,880 86,023 9,718,806,446 116 13,054,860
35-39 58.8 5.5 59.5 116 13,431,333 97,577 11,179,764,906 197 22,580,991
40-44 57.5 4.4 59.7 168 20,161,052 90,441 10,466,409,862 292 33,794,642
45-49 60.8 4.1 61.0 220 25,470,750 67,773 7,822,218,019 362 41,778,524
50-54 58.1 4.0 56.8 210 23,618,000 41,196 4,739,823,491 361 41,599,413
55-59 50.6 4.2 49.9 142 16,053,905 19,814 2,259,710,541 281 32,187,039
60-64 67.5 7.0 64.8 93 10,145,122 6,507 737,096,439 138 15,659,778
65+ 66.4 11.9 69.0 31 3,626,000 1,524 170,200,212 47 5,253,703
Total 58.4 1.8 58.2 1,082 123,674,542 480,996 54,898,120,874 1,853 212,511,590

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 42.5 10.3 34.5 17 5,000,000 12,147 4,341,104,579 40 14,510,953
2 38.6 9.6 35.0 16 5,286,667 11,218 3,993,916,209 42 15,108,385
3 71.9 13.1 90.0 30 13,523,349 9,979 3,507,245,889 42 15,023,371
4 71.9 13.1 81.0 30 12,150,000 8,896 3,110,162,135 42 14,996,111
5 44.2 11.0 34.8 16 4,525,000 7,104 2,482,055,366 36 12,994,242
6 66.2 15.2 76.6 19 7,850,000 5,171 1,807,112,789 29 10,251,254
7+ 73.3 11.6 63.8 40 12,250,000 7,857 2,718,379,866 55 19,194,713
Total 59.1 4.6 59.4 168 60,585,016 62,371 21,959,976,834 284 102,079,029
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,820 536,745,376 1 386,401
25-29 84.2 37.7 91.7 5 1,750,000 5,418 1,742,396,394 6 1,908,041
30-34 52.1 16.5 44.5 10 2,900,000 11,598 3,961,747,509 19 6,519,504
35-39 58.9 12.3 66.8 23 9,180,000 15,177 5,378,949,977 39 13,745,689
40-44 71.6 10.9 62.0 43 13,568,349 13,720 5,025,087,410 60 21,878,645
45-49 51.0 9.0 54.8 32 12,586,667 8,457 3,086,602,369 63 22,967,895
50-54 54.8 10.4 53.6 28 10,000,000 4,102 1,493,642,747 51 18,668,648
55-59 66.4 14.5 74.3 21 8,250,000 1,642 574,694,792 32 11,104,543
60-64 42.5 19.0 48.2 5 2,100,000 397 146,623,617 12 4,352,402
65+ 63.6 63.6 45.7 1 250,000 39 13,486,644 2 547,261
Total 59.1 4.6 59.4 168 60,585,016 62,371 21,959,976,834 284 102,079,029
By Attained Age
20-24 0.0 0.0 0.0 0 0 984 287,554,537 1 182,969
25-29 64.7 45.8 77.4 2 750,000 3,477 1,090,053,756 3 969,272
30-34 65.3 24.7 55.7 7 2,000,000 8,116 2,727,779,999 11 3,593,154
35-39 53.4 14.3 42.0 14 3,830,000 13,355 4,664,632,080 26 9,111,493
40-44 55.1 11.0 60.6 25 9,938,349 14,398 5,224,119,546 45 16,411,109
45-49 58.4 9.9 59.6 35 12,970,000 11,189 4,062,109,489 60 21,755,294
50-54 61.2 10.2 58.7 36 12,496,667 6,481 2,328,836,019 59 21,284,429
55-59 55.9 11.0 58.8 26 10,050,000 3,059 1,116,387,905 47 17,100,891
60+ 69.6 14.5 73.3 23 8,550,000 1,312 458,503,504 33 11,670,419
Total 59.1 4.6 59.4 168 60,585,016 62,371 21,959,976,834 284 102,079,029

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 26.1 5.2 26.8 26 584,750 23,323 528,887,169 98 2,181,193
2 39.8 6.1 43.4 42 1,034,431 21,758 497,585,502 106 2,383,138
3 42.6 6.2 46.8 47 1,179,528 20,212 465,694,283 111 2,521,950
4 49.0 6.7 48.1 54 1,220,156 17,708 411,726,793 111 2,538,378
5 50.5 7.1 52.4 50 1,197,218 14,061 328,364,650 99 2,286,424
6 61.5 8.9 68.8 48 1,251,461 9,894 232,338,219 78 1,819,412
7+ 49.7 6.4 55.4 60 1,620,534 12,007 288,755,318 121 2,926,845
Total 45.2 2.5 48.6 327 8,088,078 118,963 2,753,351,934 723 16,657,341
By Issue Age
20-24 65.9 33.0 108.9 4 135,000 9,022 184,262,248 6 123,927
25-29 86.7 25.0 99.0 12 305,000 14,834 331,542,954 14 308,043
30-34 26.2 10.7 25.7 6 135,000 16,030 367,781,539 23 526,245
35-39 47.7 10.9 53.5 19 521,581 17,378 418,212,683 40 974,991
40-44 47.3 7.6 51.2 39 1,030,257 19,586 474,476,445 83 2,011,917
45-49 49.6 5.9 54.1 71 1,878,117 19,042 457,483,158 144 3,470,607
50-54 40.7 4.8 40.7 72 1,698,777 13,361 310,801,993 178 4,178,661
55-59 45.7 5.5 50.1 69 1,661,238 7,162 155,611,450 152 3,315,397
60+ 40.5 6.9 41.4 34 723,108 2,549 53,179,464 84 1,747,552
Total 45.2 2.5 48.6 327 8,088,078 118,963 2,753,351,934 723 16,657,341
By Attained Age
20-24 74.1 52.4 91.6 2 50,000 4,532 91,159,188 3 54,556
25-29 71.9 27.2 103.2 7 220,000 12,529 273,611,315 10 213,230
30-34 51.9 17.3 48.7 9 190,000 15,162 340,871,913 17 389,979
35-39 39.7 12.0 50.6 11 332,000 15,983 377,270,809 28 656,406
40-44 44.1 9.0 46.3 24 611,492 18,501 443,269,287 55 1,320,264
45-49 53.5 7.1 57.2 56 1,454,354 19,404 469,764,222 105 2,543,373
50-54 42.2 5.2 45.5 65 1,660,821 16,119 380,121,377 155 3,651,950
55-59 36.0 4.6 36.8 62 1,460,315 10,436 239,737,157 173 3,972,377
60-64 52.8 6.7 57.8 63 1,515,473 4,734 104,377,493 119 2,622,811
65+ 46.3 8.9 48.2 27 593,623 1,564 33,169,173 58 1,232,395
Total 45.2 2.5 48.6 327 8,088,078 118,963 2,753,351,934 723 16,657,341

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 28.2 5.2 29.8 29 1,650,000 31,840 1,733,925,891 103 5,545,024
2 49.8 6.8 48.6 54 2,856,582 28,878 1,579,778,851 109 5,883,271
3 49.9 6.5 48.3 58 3,032,816 26,623 1,461,024,855 116 6,284,640
4 62.4 7.3 60.3 73 3,828,086 23,518 1,293,132,832 117 6,348,385
5 55.8 7.1 55.5 61 3,285,600 19,229 1,056,783,250 109 5,924,345
6 54.8 7.8 55.0 50 2,717,725 14,232 780,658,634 91 4,938,622
7+ 59.8 5.7 59.3 108 5,803,499 21,447 1,172,495,273 181 9,779,728
Total 52.4 2.5 51.8 434 23,174,308 165,767 9,077,799,586 827 44,704,015
By Issue Age
20-24 15.7 15.7 14.4 1 50,000 9,340 511,823,660 6 347,524
25-29 90.1 21.2 93.3 18 1,033,296 21,133 1,172,195,804 20 1,107,529
30-34 20.6 7.3 18.6 8 400,000 26,919 1,491,683,453 39 2,154,186
35-39 42.3 7.6 42.7 31 1,730,520 30,446 1,686,457,241 73 4,056,629
40-44 46.5 5.8 46.8 64 3,515,629 31,894 1,742,656,187 138 7,515,752
45-49 53.5 5.2 52.8 104 5,531,500 24,979 1,346,806,441 194 10,469,275
50-54 56.3 5.4 55.0 109 5,712,036 14,235 762,640,765 194 10,378,904
55-59 65.1 7.4 64.8 78 4,163,327 5,541 295,835,234 120 6,426,784
60-64 55.3 12.7 54.6 19 988,000 1,086 57,177,276 34 1,808,342
65+ 12.5 12.5 11.4 1 50,000 192 10,523,525 8 439,090
Total 52.4 2.5 51.8 434 23,174,308 165,767 9,077,799,586 827 44,704,015
By Attained Age
20-24 36.8 36.8 33.5 1 50,000 4,501 247,272,935 3 149,237
25-29 97.4 28.1 102.1 12 692,296 15,711 865,682,291 12 678,249
30-34 29.4 10.4 29.2 8 441,000 23,672 1,312,861,141 27 1,507,771
35-39 29.3 7.8 25.9 14 684,773 27,402 1,518,855,351 48 2,641,773
40-44 35.9 6.2 37.2 33 1,883,833 30,893 1,697,681,133 92 5,057,801
45-49 55.6 6.1 55.3 84 4,555,543 28,201 1,538,607,382 151 8,231,863
50-54 46.6 4.9 46.6 89 4,762,536 20,047 1,075,324,116 191 10,228,080
55-59 66.3 6.2 64.6 115 6,026,250 10,605 569,230,843 174 9,327,542
60-64 64.6 8.3 63.8 60 3,165,077 3,739 199,297,648 93 4,960,204
65+ 47.2 11.4 47.5 17 913,000 995 52,986,745 36 1,921,496
Total 52.4 2.5 51.8 434 23,174,308 165,767 9,077,799,586 827 44,704,015

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 27.8 4.7 28.5 35 4,195,000 46,868 5,399,570,419 127 14,728,893
2 60.3 6.6 58.6 83 9,404,700 44,307 5,110,906,801 138 16,061,219
3 61.9 6.5 61.5 90 10,422,000 40,963 4,724,713,943 146 16,940,391
4 54.2 6.1 52.9 80 9,104,000 36,300 4,202,405,492 148 17,212,845
5 58.8 6.6 57.0 80 9,041,538 29,200 3,390,434,500 136 15,852,091
6 52.4 6.8 51.6 59 6,762,667 21,248 2,466,000,427 113 13,096,665
7+ 63.4 5.3 65.5 143 17,236,000 31,750 3,700,820,261 225 26,296,751
Total 55.3 2.3 55.1 571 66,165,905 250,636 28,994,851,843 1,032 120,188,855
By Issue Age
20-24 76.0 26.9 72.4 8 850,000 15,465 1,726,529,713 11 1,173,247
25-29 79.3 15.0 78.0 28 3,110,000 36,957 4,167,551,371 35 3,988,107
30-34 59.6 8.9 62.4 45 5,435,000 51,494 5,931,112,895 75 8,711,141
35-39 48.0 6.2 46.8 59 6,753,333 51,723 6,048,182,901 123 14,422,765
40-44 53.4 5.3 54.1 103 12,311,000 44,767 5,263,634,508 193 22,754,319
45-49 51.8 4.8 52.8 115 13,704,000 28,294 3,305,948,933 222 25,953,496
50-54 60.4 5.4 59.0 125 14,294,205 15,005 1,756,185,431 207 24,221,887
55-59 51.1 6.5 49.0 62 6,858,367 5,618 645,265,749 122 13,991,225
60-64 55.3 12.4 56.7 20 2,350,000 1,139 130,231,176 36 4,143,228
65+ 69.5 31.1 60.3 5 500,000 175 20,209,165 7 829,442
Total 55.3 2.3 55.1 571 66,165,905 250,636 28,994,851,843 1,032 120,188,855
By Attained Age
20-24 43.5 30.8 48.4 2 250,000 7,576 850,746,228 5 516,039
25-29 76.7 19.2 75.4 16 1,760,000 26,388 2,951,871,221 21 2,334,711
30-34 65.3 11.4 63.8 33 3,685,000 43,518 4,963,991,747 51 5,773,577
35-39 53.2 7.8 52.8 47 5,413,333 50,605 5,859,070,682 89 10,256,708
40-44 56.5 6.3 56.1 80 9,377,000 47,825 5,626,064,671 142 16,703,949
45-49 44.1 4.8 46.3 85 10,480,000 36,183 4,246,816,587 193 22,652,392
50-54 55.5 5.1 54.7 118 13,638,000 22,306 2,613,699,470 213 24,914,167
55-59 54.5 5.4 54.4 101 11,783,905 11,284 1,315,542,031 186 21,643,711
60-64 64.5 8.1 61.7 64 7,002,667 3,975 455,613,370 99 11,357,754
65+ 68.0 13.9 68.8 24 2,776,000 975 111,435,834 35 4,035,848
Total 55.3 2.3 55.1 571 66,165,905 250,636 28,994,851,843 1,032 120,188,855

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 10.7 28.5 9 3,000,000 8,212 3,047,522,601 28 10,522,621
2 33.9 10.7 27.2 10 3,026,667 7,662 2,827,520,627 30 11,120,090
3 73.2 15.6 84.4 22 9,473,349 6,841 2,491,854,674 30 11,224,272
4 75.1 15.7 79.8 23 9,100,000 6,164 2,234,655,374 31 11,402,781
5 29.8 10.5 25.0 8 2,500,000 4,954 1,799,784,438 27 9,992,217
6 55.3 16.0 62.3 12 4,970,000 3,676 1,330,253,534 22 7,982,326
7+ 71.5 13.1 61.6 30 9,400,000 5,610 2,008,956,243 42 15,250,864
Total 54.6 5.1 53.5 114 41,470,016 43,118 15,740,547,491 209 77,495,172
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,145 343,110,016 1 231,908
25-29 61.5 43.5 61.1 2 650,000 3,299 1,077,952,266 3 1,064,651
30-34 43.1 19.3 34.0 5 1,400,000 7,697 2,726,406,234 12 4,122,298
35-39 55.2 14.7 65.1 14 6,005,000 10,517 3,835,779,223 25 9,224,687
40-44 71.1 13.0 59.9 30 9,578,349 9,774 3,722,321,541 42 15,988,700
45-49 47.2 10.1 46.4 22 8,286,667 6,059 2,320,601,125 47 17,856,193
50-54 46.5 10.7 45.6 19 6,950,000 3,036 1,137,564,540 41 15,254,429
55-59 62.3 15.6 67.8 16 6,250,000 1,209 436,367,422 26 9,219,316
60-64 45.9 20.5 52.2 5 2,100,000 348 128,291,813 11 4,020,735
65+ 68.9 68.9 48.8 1 250,000 34 12,153,311 1 512,255
Total 54.6 5.1 53.5 114 41,470,016 43,118 15,740,547,491 209 77,495,172
By Attained Age
20-24 0.0 0.0 0.0 0 0 601 178,323,344 0 108,040
25-29 58.4 58.4 73.0 1 400,000 2,126 677,752,408 2 547,806
30-34 80.8 36.2 58.3 5 1,250,000 5,186 1,792,960,600 6 2,145,172
35-39 37.4 15.3 29.4 6 1,705,000 9,023 3,255,369,958 16 5,802,954
40-44 55.8 13.5 61.3 17 7,028,349 10,176 3,826,935,826 30 11,466,096
45-49 46.6 10.4 42.6 20 6,890,000 8,022 3,025,002,674 43 16,169,540
50-54 63.0 11.9 60.7 28 10,146,667 4,648 1,746,941,059 44 16,727,878
55-59 44.6 10.8 43.6 17 6,250,000 2,311 871,242,393 38 14,338,304
60+ 70.3 15.7 76.6 20 7,800,000 1,026 366,019,231 28 10,189,383
Total 54.6 5.1 53.5 114 41,470,016 43,118 15,740,547,491 209 77,495,172

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 21.0 4.0 20.6 27 597,000 31,649 723,163,884 129 2,894,038
2 44.2 5.8 46.7 59 1,410,438 29,502 679,321,867 134 3,022,365
3 56.4 6.5 57.3 76 1,773,505 27,427 637,194,817 135 3,097,185
4 62.3 6.9 59.8 82 1,815,804 24,275 568,360,409 132 3,038,403
5 49.0 6.5 50.9 56 1,360,179 19,188 452,287,581 114 2,673,782
6 66.4 8.7 68.0 58 1,404,545 13,385 318,438,606 87 2,066,312
7+ 55.1 6.8 54.9 66 1,605,824 15,169 370,670,175 120 2,925,353
Total 49.9 2.4 50.6 425 9,967,295 160,595 3,749,437,338 851 19,717,437
By Issue Age
20-24 72.1 27.3 79.3 7 160,000 11,849 246,133,132 10 201,851
25-29 64.8 16.7 62.0 15 320,000 18,987 423,671,973 23 515,874
30-34 68.2 13.4 78.7 26 700,000 20,163 470,643,182 38 889,284
35-39 44.5 8.3 52.0 29 830,750 22,237 543,507,314 65 1,597,346
40-44 57.8 7.0 61.2 69 1,793,180 26,689 653,321,273 119 2,928,832
45-49 46.3 5.1 43.8 82 1,907,006 26,356 643,323,296 177 4,351,587
50-54 48.7 5.1 46.1 92 2,057,760 19,436 457,659,601 189 4,463,521
55-59 46.9 5.7 45.9 68 1,433,518 10,685 228,812,433 146 3,124,605
60+ 43.0 7.2 46.5 36 765,081 4,193 82,365,134 84 1,644,536
Total 49.9 2.4 50.6 425 9,967,295 160,595 3,749,437,338 851 19,717,437
By Attained Age
20-24 98.8 49.4 119.6 4 100,000 5,870 120,931,939 4 83,582
25-29 61.1 19.3 53.2 10 190,000 16,397 357,490,328 16 357,191
30-34 44.7 12.4 49.5 13 330,000 19,098 437,165,227 29 666,306
35-39 56.4 10.9 66.4 27 756,000 20,612 489,732,233 48 1,138,487
40-44 62.1 8.5 63.6 54 1,356,688 24,361 597,224,615 87 2,133,284
45-49 48.9 5.8 51.0 70 1,769,397 26,430 639,954,427 143 3,469,609
50-54 47.4 5.1 46.7 86 2,046,371 22,891 552,230,016 182 4,385,547
55-59 46.7 5.2 44.4 82 1,780,929 15,454 354,307,882 176 4,015,163
60-64 47.7 6.6 43.8 52 1,022,071 6,960 149,364,530 109 2,333,102
65+ 46.1 9.0 54.3 26 615,839 2,521 51,036,142 56 1,135,165
Total 49.9 2.4 50.6 425 9,967,295 160,595 3,749,437,338 851 19,717,437

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 5.4 34.6 41 2,172,500 37,291 2,000,953,254 118 6,276,147
2 49.0 6.4 50.4 59 3,246,254 33,592 1,810,319,626 121 6,439,028
3 52.3 6.5 51.6 64 3,401,490 30,807 1,667,480,329 123 6,591,543
4 58.6 7.0 58.9 71 3,832,260 27,358 1,486,241,141 121 6,509,951
5 57.1 7.1 56.9 64 3,443,652 22,898 1,247,834,995 112 6,054,543
6 45.9 7.1 47.4 42 2,337,128 16,982 924,987,310 92 4,932,061
7+ 72.1 6.6 73.9 120 6,586,102 25,342 1,376,331,768 166 8,916,482
Total 54.1 2.5 54.7 462 25,019,386 194,267 10,514,148,424 853 45,719,753
By Issue Age
20-24 43.1 21.6 44.7 4 225,000 11,199 608,569,747 9 503,168
25-29 70.3 15.0 74.8 22 1,281,527 25,494 1,393,775,636 31 1,712,292
30-34 63.9 10.4 65.4 38 2,135,870 31,042 1,701,703,562 59 3,265,876
35-39 65.4 7.8 67.7 71 4,039,221 36,286 1,987,577,384 109 5,969,113
40-44 64.4 6.1 64.4 110 5,946,065 37,497 2,021,613,283 171 9,231,221
45-49 55.9 5.3 56.2 111 5,972,803 28,884 1,544,794,325 199 10,623,284
50-54 38.0 4.9 36.6 61 3,090,000 16,329 859,523,456 161 8,444,017
55-59 38.4 6.9 39.0 31 1,662,000 5,893 309,817,891 81 4,266,892
60-64 38.6 11.6 36.9 11 556,900 1,491 78,985,970 28 1,509,272
65+ 52.7 37.3 56.5 2 110,000 152 7,787,170 4 194,617
Total 54.1 2.5 54.7 462 25,019,386 194,267 10,514,148,424 853 45,719,753
By Attained Age
20-24 0.0 0.0 0.0 0 0 5,278 287,435,612 4 198,658
25-29 76.7 19.8 85.4 15 906,527 19,514 1,060,024,341 20 1,061,927
30-34 61.5 12.1 61.6 26 1,422,870 27,752 1,517,345,075 42 2,311,605
35-39 53.2 8.5 56.2 39 2,251,689 31,550 1,725,211,017 73 4,008,339
40-44 62.8 7.0 62.6 80 4,366,318 36,064 1,966,008,049 128 6,973,996
45-49 61.3 5.9 61.7 109 5,919,769 33,204 1,791,044,037 178 9,586,988
50-54 53.0 5.4 53.3 98 5,235,813 23,520 1,251,648,809 185 9,832,470
55-59 41.5 5.5 40.7 56 2,897,500 12,105 638,032,504 135 7,115,366
60-64 46.1 8.5 46.9 29 1,552,000 4,113 215,858,111 63 3,312,278
65+ 36.0 12.0 35.4 9 466,900 1,167 61,540,869 25 1,318,126
Total 54.1 2.5 54.7 462 25,019,386 194,267 10,514,148,424 853 45,719,753

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 5.1 28.2 35 3,677,500 43,884 4,923,737,850 116 13,032,788
2 55.9 6.8 54.7 68 7,495,000 41,374 4,642,122,783 122 13,708,016
3 66.3 7.3 68.9 82 9,608,000 38,107 4,281,778,708 124 13,936,658
4 67.3 7.4 68.6 82 9,410,000 33,784 3,801,605,020 122 13,714,012
5 77.1 8.5 81.4 83 9,875,880 26,928 3,035,874,814 108 12,127,543
6 72.2 9.2 66.3 61 6,300,750 19,227 2,164,926,271 85 9,496,855
7+ 69.1 6.9 68.3 100 11,141,507 27,055 3,053,223,585 145 16,306,862
Total 62.3 2.8 62.3 512 57,508,637 230,360 25,903,269,031 821 92,322,735
By Issue Age
20-24 59.6 21.1 55.1 8 817,500 16,287 1,797,605,081 13 1,482,327
25-29 57.9 10.9 56.8 28 3,055,880 38,859 4,321,604,024 48 5,384,380
30-34 63.2 8.2 64.6 59 6,810,000 48,427 5,460,674,596 93 10,548,501
35-39 61.7 6.6 65.0 86 10,272,052 47,083 5,332,372,607 139 15,797,052
40-44 69.8 6.3 70.2 122 13,960,750 38,644 4,393,018,980 175 19,884,394
45-49 66.5 6.3 66.4 111 12,470,000 24,624 2,768,303,829 167 18,786,049
50-54 51.4 6.7 46.9 59 6,055,000 11,742 1,315,097,438 115 12,923,706
55-59 53.4 9.9 51.5 29 3,092,455 3,956 436,212,551 54 6,004,854
60-64 67.1 23.7 68.8 8 875,000 639 68,126,100 12 1,271,556
65+ 42.5 42.5 41.7 1 100,000 101 10,253,825 2 239,914
Total 62.3 2.8 62.3 512 57,508,637 230,360 25,903,269,031 821 92,322,735
By Attained Age
20-24 73.1 36.5 64.8 4 392,500 7,929 877,605,701 5 605,776
25-29 63.3 14.9 59.6 18 1,875,000 28,249 3,123,867,809 28 3,146,114
30-34 44.6 8.3 44.0 29 3,205,880 42,505 4,754,814,700 65 7,281,283
35-39 63.4 7.6 65.1 69 8,018,000 46,971 5,320,694,224 109 12,324,284
40-44 58.5 6.2 63.1 88 10,784,052 42,617 4,840,345,190 150 17,090,693
45-49 79.9 6.9 78.4 135 14,990,750 31,589 3,575,401,432 169 19,126,131
50-54 61.7 6.5 59.8 91 9,980,000 18,890 2,126,124,021 148 16,685,246
55-59 43.0 6.7 40.5 41 4,270,000 8,530 944,168,510 95 10,543,328
60-64 75.0 13.9 73.0 29 3,142,455 2,532 281,483,068 39 4,302,024
65+ 61.4 23.2 69.8 7 850,000 549 58,764,378 11 1,217,855
Total 62.3 2.8 62.3 512 57,508,637 230,360 25,903,269,031 821 92,322,735

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 66.9 23.7 50.1 8 2,000,000 3,935 1,293,581,978 12 3,988,332
2 50.2 20.4 56.7 6 2,260,000 3,557 1,166,395,582 12 3,988,295
3 68.7 24.3 106.6 8 4,050,000 3,138 1,015,391,215 12 3,799,099
4 63.0 23.8 84.9 7 3,050,000 2,732 875,506,761 11 3,593,330
5 85.4 30.2 67.5 8 2,025,000 2,150 682,270,928 9 3,002,025
6+ 86.6 21.0 92.2 17 5,730,000 3,741 1,186,282,879 20 6,212,777
Total 71.4 9.7 77.8 54 19,115,000 19,253 6,219,429,344 76 24,583,857
By Issue Age
20-24 0.0 0.0 0.0 0 0 676 193,635,360 1 154,493
25-29 111.8 64.5 130.4 3 1,100,000 2,119 664,444,128 3 843,390
30-34 65.9 29.5 62.6 5 1,500,000 3,901 1,235,341,274 8 2,397,206
35-39 65.8 21.9 70.2 9 3,175,000 4,660 1,543,170,754 14 4,521,002
40-44 72.7 20.1 67.7 13 3,990,000 3,947 1,302,765,869 18 5,889,944
45-49 62.0 19.6 84.1 10 4,300,000 2,399 766,001,244 16 5,111,702
50-54 88.0 29.3 89.3 9 3,050,000 1,066 356,078,207 10 3,414,219
55-59 84.3 37.7 106.1 5 2,000,000 433 138,327,370 6 1,885,227
60+ 0.0 0.0 0.0 0 0 53 19,665,137 1 366,673
Total 71.4 9.7 77.8 54 19,115,000 19,253 6,219,429,344 76 24,583,857
By Attained Age
20-24 0.0 0.0 0.0 0 0 383 109,231,193 0 74,929
25-29 72.6 72.6 83.0 1 350,000 1,351 412,301,348 1 421,466
30-34 44.1 31.2 51.8 2 750,000 2,930 934,819,399 5 1,447,982
35-39 78.8 27.9 64.2 8 2,125,000 4,332 1,409,262,122 10 3,308,539
40-44 53.7 18.9 58.8 8 2,910,000 4,222 1,397,183,720 15 4,945,013
45-49 88.0 22.7 108.8 15 6,080,000 3,167 1,037,106,815 17 5,585,754
50-54 55.7 19.7 51.6 8 2,350,000 1,834 581,894,960 14 4,556,551
55-59 106.9 35.6 137.6 9 3,800,000 748 245,145,512 8 2,762,587
60+ 65.3 37.7 50.6 3 750,000 287 92,484,274 5 1,481,036
Total 71.4 9.7 77.8 54 19,115,000 19,253 6,219,429,344 76 24,583,857

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 48.3 11.6 47.7 17 347,750 10,901 229,983,128 36 728,748
2 47.3 11.4 54.9 17 405,000 9,779 207,892,873 36 737,998
3 83.1 15.4 92.8 29 673,573 8,805 188,303,043 35 725,536
4 94.2 16.9 94.3 31 646,286 7,514 162,284,837 33 685,675
5 68.4 15.7 80.5 19 470,000 5,745 124,688,370 28 583,867
6 97.5 21.8 106.6 20 463,500 3,896 85,101,145 21 434,908
7+ 80.8 16.9 80.0 23 498,674 4,300 95,963,026 28 623,338
Total 72.2 5.8 77.5 157 3,504,783 50,940 1,094,216,422 217 4,520,071
By Issue Age
20-24 76.3 44.1 96.9 3 75,000 5,273 104,394,747 4 77,438
25-29 74.5 30.4 89.3 6 155,000 7,559 164,256,051 8 173,523
30-34 67.1 23.7 72.5 8 190,000 7,181 157,461,335 12 262,187
35-39 66.7 17.8 75.7 14 374,000 7,952 186,638,032 21 493,847
40-44 66.1 13.0 76.6 26 665,565 9,183 203,273,733 39 869,031
45-49 83.3 12.5 93.0 44 1,031,008 7,717 160,804,532 53 1,109,089
50-54 60.9 11.7 56.5 27 502,960 4,103 81,433,745 45 889,867
55-59 75.1 17.1 64.4 19 301,250 1,575 28,597,708 26 467,451
60-64 98.3 34.8 121.5 8 185,000 365 6,680,375 8 152,273
65+ 84.5 84.5 98.6 1 25,000 32 676,164 1 25,365
Total 72.2 5.8 77.5 157 3,504,783 50,940 1,094,216,422 217 4,520,071
By Attained Age
20-24 113.9 80.5 143.9 2 50,000 2,724 53,721,848 2 34,749
25-29 33.2 23.5 39.5 2 50,000 6,825 143,631,555 6 126,563
30-34 85.2 30.1 101.2 8 205,000 7,061 152,501,719 9 202,657
35-39 80.9 23.4 98.3 12 334,000 7,270 166,306,178 15 339,770
40-44 59.3 14.4 58.3 17 379,565 8,747 199,480,908 29 651,214
45-49 86.6 13.6 100.0 40 992,008 8,638 184,888,151 47 991,935
50-54 51.7 10.1 58.2 26 601,000 5,870 120,626,900 50 1,032,677
55-59 73.9 14.2 63.9 27 463,210 2,745 53,685,421 37 725,215
60-64 95.5 23.9 90.4 16 275,000 852 15,263,110 17 304,351
65+ 108.2 44.2 139.7 6 155,000 210 4,110,631 6 110,939
Total 72.2 5.8 77.5 157 3,504,783 50,940 1,094,216,422 217 4,520,071

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 80.0 14.6 77.2 30 1,560,000 15,958 864,493,738 38 2,021,498
3 82.8 21.4 87.4 15 851,000 6,291 341,778,806 18 973,785
4 95.6 23.2 98.0 17 934,770 5,434 294,982,413 18 954,268
5 50.1 17.7 49.9 8 428,725 4,322 234,530,791 16 858,492
6 98.0 27.2 97.3 13 689,128 3,128 169,236,465 13 708,449
7+ 101.3 18.5 109.6 30 1,722,396 4,843 260,854,775 30 1,571,197
Total 85.5 8.0 87.3 113 6,186,019 39,976 2,165,876,989 132 7,087,690
By Issue Age
20-39 73.7 12.8 74.9 33 1,823,519 27,271 1,489,383,612 45 2,435,694
40-44 96.5 18.2 100.0 28 1,550,000 6,659 355,553,745 29 1,550,022
45-49 88.9 17.7 93.1 25 1,396,000 3,907 207,910,129 28 1,499,722
50-54 73.2 19.6 75.7 14 770,000 1,594 84,406,508 19 1,016,576
55+ 116.2 32.2 110.4 13 646,500 546 28,622,995 11 585,677
Total 85.5 8.0 87.3 113 6,186,019 39,976 2,165,876,989 132 7,087,690
By Attained Age
20-44 71.6 11.5 72.0 39 2,121,123 30,273 1,648,342,509 54 2,946,373
45-49 96.4 18.5 101.6 27 1,533,396 5,328 286,014,499 28 1,509,158
50-54 79.2 18.2 84.4 19 1,075,000 2,786 148,001,769 24 1,273,771
55-59 101.0 25.3 97.6 16 815,000 1,155 60,720,709 16 835,270
60+ 120.2 34.7 122.6 12 641,500 434 22,797,503 10 523,118
Total 85.5 8.0 87.3 113 6,186,019 39,976 2,165,876,989 132 7,087,690

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 41.5 16.8 37.3 6 610,000 7,527 832,614,362 15 1,634,781
2 61.3 20.4 58.1 9 950,000 6,561 724,347,282 15 1,635,677
3 110.4 27.6 117.8 16 1,900,000 5,658 624,203,414 14 1,613,514
4 51.2 19.3 51.4 7 784,000 4,767 527,624,900 14 1,526,197
5 162.1 37.2 161.1 19 2,120,880 3,605 399,990,742 12 1,316,392
6 65.7 26.8 61.0 6 625,000 2,498 277,678,379 9 1,024,371
7+ 103.2 25.0 112.3 17 2,079,000 3,474 389,895,254 16 1,851,920
Total 84.4 9.4 85.5 80 9,068,880 34,090 3,776,354,334 95 10,602,852
By Issue Age
20-39 59.1 12.3 59.2 23 2,555,880 25,603 2,819,605,670 39 4,317,695
40-44 94.1 21.6 97.3 19 2,204,000 4,716 528,583,406 20 2,266,268
45-49 157.2 29.7 160.6 28 3,299,000 2,472 285,138,507 18 2,054,188
50-54 34.1 17.1 30.6 4 400,000 1,001 111,322,627 12 1,307,310
55-59 105.4 46.7 98.6 5 510,000 246 26,421,795 5 517,461
60+ 72.9 72.9 71.5 1 100,000 51 5,282,329 1 139,931
Total 84.4 9.4 85.5 80 9,068,880 34,090 3,776,354,334 95 10,602,852
By Attained Age
20-39 44.9 12.4 45.6 13 1,455,880 22,376 2,454,760,335 29 3,190,935
40-44 69.0 19.9 66.7 12 1,300,000 5,526 619,995,619 17 1,948,664
45-49 152.8 28.4 152.0 29 3,290,000 3,588 409,027,748 19 2,165,136
50-54 102.9 25.7 113.6 16 2,013,000 1,760 200,592,631 16 1,772,250
55-59 66.7 27.0 60.2 6 610,000 638 70,378,854 9 1,013,581
60+ 82.8 41.4 78.1 4 400,000 202 21,599,147 5 512,287
Total 84.4 9.4 85.5 80 9,068,880 34,090 3,776,354,334 95 10,602,852

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 184.0 106.2 176.6 3 1,000,000 614 208,893,761 2 566,265
2 66.8 66.8 49.4 1 250,000 520 170,922,130 1 505,825
3 218.1 125.9 281.5 3 1,300,000 429 138,104,746 1 461,732
4 68.7 68.7 50.1 1 250,000 398 131,704,289 1 498,787
5 81.0 81.0 58.1 1 250,000 322 107,807,947 1 430,049
6 0.0 0.0 0.0 0 0 234 77,510,372 1 324,164
7+ 0.0 0.0 0.0 0 0 415 136,874,979 2 761,198
Total 86.0 28.7 86.0 9 3,050,000 2,933 971,818,223 10 3,548,021
By Issue Age
20-24 0.0 0.0 0.0 0 0 152 45,837,931 0 32,696
25-29 246.6 246.6 281.0 1 350,000 400 122,086,022 0 124,552
30-34 0.0 0.0 0.0 0 0 666 220,874,923 1 361,676
35-39 113.4 80.2 95.2 2 550,000 670 221,076,734 2 577,607
40-44 126.5 73.0 130.9 3 1,150,000 546 197,383,954 2 878,647
45-49 111.3 64.2 116.5 3 1,000,000 361 116,646,937 3 858,254
50-54 0.0 0.0 0.0 0 0 84 29,319,426 1 369,713
55+ 0.0 0.0 0.0 0 0 53 18,592,295 1 344,877
Total 86.0 28.7 86.0 9 3,050,000 2,933 971,818,223 10 3,548,021
By Attained Age
20-24 0.0 0.0 0.0 0 0 76 22,771,904 0 14,080
25-29 389.8 389.8 454.0 1 350,000 300 90,189,998 0 77,097
30-34 0.0 0.0 0.0 0 0 468 150,780,441 1 188,667
35-39 81.7 81.7 74.5 1 300,000 642 211,943,744 1 402,859
40-44 150.7 87.0 111.5 3 750,000 641 218,003,958 2 672,755
45-49 155.5 77.7 180.6 4 1,650,000 482 170,236,268 3 913,788
50-54 0.0 0.0 0.0 0 0 215 70,580,107 2 644,609
55-59 0.0 0.0 0.0 0 0 85 29,849,645 1 463,806
60+ 0.0 0.0 0.0 0 0 23 7,462,158 1 170,362
Total 86.0 28.7 86.0 9 3,050,000 2,933 971,818,223 10 3,548,021

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 83.1 21.9 84.3 14 299,750 5,409 115,645,488 17 355,783
2 52.8 17.5 61.7 9 220,000 4,704 101,549,605 17 356,330
3 96.2 24.0 114.6 16 402,573 4,194 90,882,264 17 351,180
4 90.3 24.1 105.6 14 345,531 3,510 76,470,008 16 327,185
5 53.4 20.2 73.8 7 205,000 2,666 58,105,291 13 277,833
6 93.6 31.2 108.7 9 223,500 1,789 39,406,572 10 205,634
7+ 70.2 22.2 84.0 10 265,000 2,025 44,930,804 14 315,661
Total 76.7 8.6 89.6 80 1,961,354 24,297 526,990,030 104 2,189,607
By Issue Age
20-24 57.3 57.3 72.6 1 25,000 2,570 51,033,943 2 34,428
25-29 83.8 48.4 103.2 3 80,000 3,874 84,987,045 4 77,485
30-34 60.8 35.1 69.1 3 75,000 3,485 76,374,522 5 108,583
35-39 103.0 34.3 106.2 9 217,000 3,781 88,384,605 9 204,409
40-44 71.9 19.9 87.3 13 355,565 4,418 99,333,046 18 407,324
45-49 94.6 19.2 127.1 24 681,008 3,536 74,104,588 26 535,971
50-54 56.4 15.6 51.4 13 246,531 1,847 37,739,174 23 479,609
55-59 69.7 22.9 68.1 9 171,250 643 12,237,698 13 251,582
60-64 85.3 49.2 123.7 3 85,000 116 2,249,310 4 68,719
65+ 97.6 97.6 116.3 1 25,000 27 546,098 1 21,496
Total 76.7 8.6 89.6 80 1,961,354 24,297 526,990,030 104 2,189,607
By Attained Age
20-24 130.4 130.4 165.2 1 25,000 1,286 25,267,400 1 15,131
25-29 36.2 36.2 42.4 1 25,000 3,541 75,605,294 3 58,919
30-34 101.8 50.9 124.3 4 105,000 3,457 74,438,671 4 84,445
35-39 115.1 43.5 140.8 7 197,000 3,509 80,457,816 6 139,885
40-44 63.9 22.6 57.7 8 164,565 4,207 96,066,565 13 285,064
45-49 111.3 22.6 135.6 24 642,008 4,049 88,518,896 22 473,496
50-54 48.2 13.9 64.6 12 331,000 2,655 54,382,105 25 512,009
55-59 70.1 19.3 65.0 13 251,781 1,148 23,564,924 19 387,334
60-64 54.0 24.1 61.2 5 110,000 372 7,244,996 9 179,740
65+ 150.9 75.4 205.3 4 110,000 73 1,443,362 3 53,584
Total 76.7 8.6 89.6 80 1,961,354 24,297 526,990,030 104 2,189,607

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 82.6 20.0 75.7 17 840,000 9,197 500,612,992 21 1,109,564
3 81.0 28.6 89.3 8 476,000 3,523 192,319,381 10 533,141
4 91.9 30.6 91.1 9 480,000 3,027 164,988,733 10 527,057
5 22.7 16.0 18.8 2 89,600 2,376 129,633,244 9 476,895
6 67.8 30.3 69.4 5 275,000 1,714 93,416,053 7 395,990
7+ 98.0 23.8 106.3 17 980,000 2,620 141,780,971 17 921,748
Total 78.6 10.3 79.2 58 3,140,600 22,457 1,222,751,373 74 3,964,395
By Issue Age
20-39 53.1 15.3 50.2 12 620,000 15,414 847,298,531 23 1,235,812
40-44 102.2 25.5 106.1 16 885,000 3,719 198,045,908 16 834,224
45-49 80.6 22.4 88.1 13 751,000 2,144 113,776,280 16 852,128
50-54 82.1 26.0 82.8 10 545,000 889 48,120,294 12 658,195
55+ 96.6 36.5 88.4 7 339,600 290 15,510,361 7 384,035
Total 78.6 10.3 79.2 58 3,140,600 22,457 1,222,751,373 74 3,964,395
By Attained Age
20-44 50.4 13.5 47.7 14 720,000 17,150 938,799,841 28 1,509,310
45-49 115.9 27.3 124.3 18 1,036,000 2,953 158,620,872 16 833,625
50-54 71.4 22.6 73.7 10 550,000 1,507 80,207,351 14 746,058
55-59 81.7 28.9 76.5 8 400,000 606 32,329,052 10 522,823
60+ 119.9 42.4 123.3 8 434,600 241 12,794,258 7 352,579
Total 78.6 10.3 79.2 58 3,140,600 22,457 1,222,751,373 74 3,964,395

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 34.7 19.7 30.8 3 310,000 4,798 534,103,280 9 1,006,880
2 89.8 31.8 84.8 8 850,000 4,151 461,546,993 9 1,002,936
3 113.8 36.0 111.5 10 1,100,000 3,544 393,288,435 9 986,889
4 70.4 28.7 71.2 6 684,000 3,020 336,829,057 9 960,986
5 148.4 44.7 145.5 11 1,225,000 2,295 256,763,045 7 841,967
6 50.1 29.0 47.8 3 325,000 1,598 180,085,320 6 679,491
7+ 133.4 34.4 139.6 15 1,779,000 2,233 254,244,422 11 1,274,402
Total 93.8 12.5 92.9 56 6,273,000 21,638 2,416,860,552 60 6,753,551
By Issue Age
20-39 74.3 18.0 70.3 17 1,800,000 16,333 1,810,293,433 23 2,561,713
40-44 89.5 27.0 93.5 11 1,304,000 2,942 333,433,489 12 1,393,948
45-49 154.1 36.3 157.0 18 2,159,000 1,547 182,702,439 12 1,375,360
50-54 50.3 25.2 44.6 4 400,000 603 67,997,114 8 897,239
55-59 129.4 57.3 122.5 5 510,000 178 18,851,748 4 416,171
60+ 94.1 94.1 91.6 1 100,000 34 3,582,329 1 109,121
Total 93.8 12.5 92.9 56 6,273,000 21,638 2,416,860,552 60 6,753,551
By Attained Age
20-39 59.4 18.8 53.6 10 1,000,000 14,225 1,568,293,716 17 1,864,361
40-44 86.0 28.7 84.0 9 1,000,000 3,560 404,406,104 10 1,190,297
45-49 135.9 34.0 142.1 16 1,950,000 2,233 260,127,574 12 1,372,109
50-54 109.2 32.9 113.2 11 1,313,000 1,060 122,247,424 10 1,159,943
55-59 92.8 37.6 83.0 6 610,000 404 45,202,455 7 735,313
60+ 98.0 49.0 92.7 4 400,000 156 16,583,280 4 431,527
Total 93.8 12.5 92.9 56 6,273,000 21,638 2,416,860,552 60 6,753,551

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 244.4 141.1 230.7 3 1,000,000 471 163,165,944 1 433,420
2 90.8 90.8 66.8 1 250,000 387 128,405,382 1 374,213
3 99.8 99.8 87.1 1 300,000 318 104,680,969 1 344,449
4 92.1 92.1 65.7 1 250,000 297 100,920,873 1 380,509
5 0.0 0.0 0.0 0 0 237 81,547,210 1 328,853
6 0.0 0.0 0.0 0 0 176 59,843,492 1 248,563
7+ 0.0 0.0 0.0 0 0 328 111,427,705 2 634,229
Total 75.7 30.9 65.6 6 1,800,000 2,215 749,991,576 8 2,744,236
By Issue Age
20-24 0.0 0.0 0.0 0 0 115 34,748,656 0 23,303
25-29 0.0 0.0 0.0 0 0 306 92,998,222 0 90,280
30-34 0.0 0.0 0.0 0 0 498 173,353,037 1 267,813
35-39 150.8 106.6 123.2 2 550,000 521 175,501,793 1 446,298
40-44 114.2 80.7 74.9 2 500,000 410 151,234,237 2 667,863
45-49 94.5 66.8 110.9 2 750,000 269 87,086,887 2 676,525
50-54 0.0 0.0 0.0 0 0 60 22,756,585 1 307,758
55+ 0.0 0.0 0.0 0 0 37 12,312,158 1 264,397
Total 75.7 30.9 65.6 6 1,800,000 2,215 749,991,576 8 2,744,236
By Attained Age
20-24 0.0 0.0 0.0 0 0 61 18,264,136 0 10,872
25-29 0.0 0.0 0.0 0 0 218 65,949,075 0 52,855
30-34 0.0 0.0 0.0 0 0 360 118,427,721 0 140,001
35-39 119.9 119.9 104.9 1 300,000 473 161,745,026 1 285,921
40-44 198.2 114.4 142.5 3 750,000 508 176,722,055 2 526,342
45-49 108.1 76.4 112.6 2 750,000 345 123,590,352 2 665,809
50-54 0.0 0.0 0.0 0 0 168 57,011,544 2 539,134
55-59 0.0 0.0 0.0 0 0 62 22,069,508 1 371,468
60+ 0.0 0.0 0.0 0 0 19 6,212,158 0 151,834
Total 75.7 30.9 65.6 6 1,800,000 2,215 749,991,576 8 2,744,236

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 16.1 9.3 12.9 3 48,000 5,492 114,337,641 19 372,965
2 42.3 14.9 48.5 8 185,000 5,075 106,343,269 19 381,669
3 71.1 19.7 72.4 13 271,000 4,611 97,420,779 18 374,357
4 97.6 23.7 83.9 17 300,755 4,004 85,814,829 17 358,490
5 81.8 23.6 86.6 12 265,000 3,079 66,583,079 15 306,033
6 101.0 30.4 104.7 11 240,000 2,107 45,694,574 11 229,274
7+ 91.5 25.4 75.9 13 233,674 2,275 51,032,222 14 307,677
Total 68.1 7.8 66.2 77 1,543,429 26,644 567,226,392 113 2,330,464
By Issue Age
20-24 91.6 64.8 116.3 2 50,000 2,703 53,360,804 2 43,010
25-29 67.1 38.7 78.1 3 75,000 3,686 79,269,006 4 96,038
30-34 71.5 32.0 74.9 5 115,000 3,696 81,086,813 7 153,603
35-39 40.8 18.3 54.2 5 157,000 4,171 98,253,427 12 289,438
40-44 61.2 17.0 67.1 13 310,000 4,765 103,940,687 21 461,707
45-49 72.9 16.3 61.1 20 350,000 4,181 86,699,944 28 573,117
50-54 65.9 17.6 62.5 14 256,429 2,256 43,694,570 21 410,259
55-59 80.8 25.5 60.2 10 130,000 931 16,360,010 12 215,869
60+ 104.7 46.8 114.4 5 100,000 255 4,561,132 5 87,423
Total 68.1 7.8 66.2 77 1,543,429 26,644 567,226,392 113 2,330,464
By Attained Age
20-24 101.0 101.0 127.4 1 25,000 1,438 28,454,447 1 19,619
25-29 30.6 30.6 37.0 1 25,000 3,284 68,026,261 3 67,643
30-34 73.3 36.6 84.6 4 100,000 3,604 78,063,048 5 118,212
35-39 57.1 25.5 68.5 5 137,000 3,761 85,848,362 9 199,885
40-44 55.7 18.6 58.7 9 215,000 4,540 103,414,343 16 366,150
45-49 64.9 16.2 67.5 16 350,000 4,589 96,369,255 25 518,439
50-54 55.2 14.8 51.9 14 270,000 3,215 66,244,795 25 520,668
55-59 77.8 20.8 62.6 14 211,429 1,597 30,120,497 18 337,882
60-64 146.9 44.3 132.4 11 165,000 480 8,018,115 7 124,612
65+ 69.2 48.9 78.5 2 45,000 137 2,667,269 3 57,355
Total 68.1 7.8 66.2 77 1,543,429 26,644 567,226,392 113 2,330,464

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-3 79.5 17.7 81.0 20 1,095,000 9,529 513,340,172 25 1,352,578
4 100.1 35.4 106.5 8 454,770 2,408 129,993,680 8 427,211
5 83.9 34.2 88.9 6 339,125 1,946 104,897,547 7 381,597
6 135.8 48.0 132.5 8 414,128 1,414 75,820,412 6 312,460
7+ 106.1 29.4 114.3 13 742,396 2,224 119,073,804 12 649,449
Total 94.1 12.7 97.5 55 3,045,419 17,520 943,125,616 59 3,123,295
By Issue Age
20-44 92.8 16.2 97.5 33 1,868,519 14,797 799,592,917 36 1,915,679
45-49 99.8 28.7 99.6 12 645,000 1,762 94,133,850 12 647,594
50-54 57.6 28.8 62.8 4 225,000 704 36,286,215 7 358,381
55-59 144.7 72.4 141.3 4 200,000 201 10,291,111 3 141,502
60+ 170.3 120.4 177.8 2 106,900 55 2,821,523 1 60,140
Total 94.1 12.7 97.5 55 3,045,419 17,520 943,125,616 59 3,123,295
By Attained Age
20-44 93.8 18.8 97.5 25 1,401,123 13,123 709,542,668 27 1,437,062
45-49 72.3 24.0 73.6 9 497,396 2,375 127,393,627 13 675,533
50-54 90.3 30.1 99.5 9 525,000 1,279 67,794,419 10 527,713
55-59 132.4 46.8 132.8 8 415,000 549 28,391,657 6 312,448
60+ 120.9 60.5 121.3 4 206,900 194 10,003,245 3 170,540
Total 94.1 12.7 97.5 55 3,045,419 17,520 943,125,616 59 3,123,295

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 52.2 30.2 47.8 3 300,000 2,729 298,511,082 6 627,901
2 17.3 17.3 15.8 1 100,000 2,409 262,800,289 6 632,740
3 105.2 42.9 127.7 6 800,000 2,113 230,914,980 6 626,624
4 19.4 19.4 17.7 1 100,000 1,747 190,795,843 5 565,212
5 185.7 65.7 188.8 8 895,880 1,310 143,227,697 4 474,425
6 95.2 55.0 87.0 3 300,000 901 97,593,059 3 344,880
7+ 38.2 27.0 51.9 2 300,000 1,241 135,650,832 5 577,518
Total 68.5 14.0 72.6 24 2,795,880 12,451 1,359,493,782 35 3,849,301
By Issue Age
20-39 37.4 15.3 43.0 6 755,880 9,270 1,009,312,238 16 1,755,982
40-44 101.2 35.8 103.2 8 900,000 1,774 195,149,916 8 872,320
45-49 163.0 51.6 167.9 10 1,140,000 925 102,436,068 6 678,828
50-54 0.0 0.0 0.0 0 0 398 43,325,513 4 410,071
55+ 0.0 0.0 0.0 0 0 85 9,270,047 1 132,099
Total 68.5 14.0 72.6 24 2,795,880 12,451 1,359,493,782 35 3,849,301
By Attained Age
20-39 24.7 14.3 34.4 3 455,880 8,150 886,466,619 12 1,326,574
40-44 43.4 25.0 39.6 3 300,000 1,967 215,589,515 7 758,367
45-49 180.3 50.0 169.0 13 1,340,000 1,355 148,900,174 7 793,027
50-54 91.2 40.8 114.3 5 700,000 700 78,345,207 5 612,306
55-59 0.0 0.0 0.0 0 0 234 25,176,399 3 278,268
60+ 0.0 0.0 0.0 0 0 46 5,015,868 1 80,759
Total 68.5 14.0 72.6 24 2,795,880 12,451 1,359,493,782 35 3,849,301

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 0 143 45,727,817 0 132,845
2 0.0 0.0 0.0 0 0 133 42,516,747 0 131,612
3 534.9 378.2 852.6 2 1,000,000 111 33,423,776 0 117,283
4 0.0 0.0 0.0 0 0 101 30,783,416 0 118,278
5 312.7 312.7 247.0 1 250,000 85 26,260,737 0 101,196
6+ 0.0 0.0 0.0 0 0 145 43,114,154 1 202,571
Total 118.2 68.2 155.5 3 1,250,000 718 221,826,647 3 803,785
By Issue Age
20-24 0.0 0.0 0.0 0 0 38 11,089,275 0 9,393
25-29 898.9 898.9 1021.2 1 350,000 95 29,087,800 0 34,272
30-34 0.0 0.0 0.0 0 0 169 47,521,886 0 93,863
35-39 0.0 0.0 0.0 0 0 148 45,574,940 0 131,309
40-44 161.2 161.2 308.4 1 650,000 136 46,149,717 1 210,783
45+ 99.3 99.3 77.1 1 250,000 132 42,403,029 1 324,165
Total 118.2 68.2 155.5 3 1,250,000 718 221,826,647 3 803,785
By Attained Age
20-24 0.0 0.0 0.0 0 0 15 4,507,768 0 3,207
25-29 1228.0 1228.0 1443.8 1 350,000 82 24,240,923 0 24,242
30-34 0.0 0.0 0.0 0 0 108 32,352,720 0 48,666
35-39 0.0 0.0 0.0 0 0 168 50,198,718 0 116,938
40-44 0.0 0.0 0.0 0 0 134 41,281,903 0 146,413
45-49 277.2 196.0 362.9 2 900,000 136 46,645,916 1 247,979
50+ 0.0 0.0 0.0 0 0 74 22,598,699 1 216,341
Total 118.2 68.2 155.5 3 1,250,000 718 221,826,647 3 803,785

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 18.5 3.1 19.2 35 834,000 44,071 1,022,067,924 191 4,346,484
2 41.4 4.5 43.7 84 2,039,869 41,481 969,014,495 203 4,667,504
3 44.7 4.6 46.6 94 2,279,460 38,833 914,586,057 211 4,893,599
4 50.3 4.9 48.9 105 2,389,674 34,469 817,802,365 209 4,891,105
5 46.9 5.0 47.7 87 2,087,397 27,505 655,963,861 186 4,376,339
6 59.4 6.4 63.5 86 2,192,506 19,383 465,675,680 145 3,450,816
7+ 48.6 4.8 52.2 103 2,727,684 22,876 563,462,467 212 5,228,860
Total 43.8 1.8 45.7 595 14,550,590 228,618 5,408,572,850 1,358 31,854,707
By Issue Age
20-24 67.5 23.9 88.6 8 220,000 15,599 326,000,634 12 248,340
25-29 72.6 15.8 72.3 21 470,000 26,262 590,958,876 29 650,394
30-34 48.9 10.0 55.9 24 645,000 29,013 680,963,385 49 1,153,343
35-39 40.5 6.9 47.1 34 978,331 31,663 775,081,966 84 2,078,490
40-44 50.4 5.6 53.0 82 2,157,872 37,092 924,523,984 163 4,071,718
45-49 40.7 3.9 41.0 109 2,754,115 37,681 940,001,922 268 6,713,105
50-54 42.6 3.6 42.0 137 3,253,577 28,693 687,027,850 323 7,752,315
55-59 43.5 4.0 46.8 118 2,793,506 16,272 355,826,175 272 5,972,551
60+ 38.5 4.9 39.8 61 1,278,189 6,344 128,188,059 158 3,214,450
Total 43.8 1.8 45.7 595 14,550,590 228,618 5,408,572,850 1,358 31,854,707
By Attained Age
20-24 80.2 40.1 96.7 4 100,000 7,678 158,369,279 5 103,389
25-29 74.7 19.3 81.1 15 360,000 22,101 487,470,088 20 443,858
30-34 37.8 10.1 36.9 14 315,000 27,200 625,535,420 37 853,628
35-39 42.8 8.4 51.8 26 754,000 29,325 700,696,864 61 1,455,123
40-44 54.1 6.9 56.7 61 1,588,615 34,115 841,012,994 113 2,802,334
45-49 42.6 4.6 44.4 86 2,231,743 37,196 924,830,498 202 5,021,047
50-54 43.8 3.9 44.3 126 3,106,192 33,140 811,724,492 286 7,004,821
55-59 37.6 3.5 38.3 117 2,778,034 23,145 540,359,618 312 7,262,324
60-64 46.8 4.7 48.6 99 2,262,544 10,842 238,478,912 212 4,651,561
65+ 43.1 6.3 46.7 47 1,054,462 3,875 80,094,684 109 2,256,621
Total 43.8 1.8 45.7 595 14,550,590 228,618 5,408,572,850 1,358 31,854,707

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 29.3 3.8 30.0 59 3,242,500 60,481 3,267,172,050 202 10,792,250
2 44.6 4.6 45.2 94 5,122,836 55,161 2,993,311,834 211 11,329,721
3 48.5 4.7 46.9 107 5,583,306 51,139 2,786,726,378 221 11,902,398
4 57.6 5.1 56.5 127 6,725,576 45,441 2,484,391,561 221 11,904,068
5 57.0 5.3 56.7 117 6,300,527 37,804 2,070,087,454 206 11,120,396
6 46.6 5.2 47.6 79 4,365,725 28,085 1,536,409,478 170 9,162,234
7+ 62.4 4.4 62.3 198 10,667,205 41,946 2,287,972,266 318 17,125,012
Total 50.5 1.8 50.4 782 42,007,675 320,058 17,426,071,021 1,548 83,336,078
By Issue Age
20-24 23.7 13.7 25.4 3 175,000 16,551 904,486,745 13 690,230
25-29 68.8 12.6 72.7 30 1,744,823 39,231 2,159,619,961 44 2,398,745
30-34 47.8 7.5 48.0 41 2,263,000 50,196 2,762,072,237 86 4,717,286
35-39 53.6 5.8 55.1 86 4,889,092 58,611 3,238,223,933 161 8,874,364
40-44 52.3 4.3 52.1 146 7,911,694 62,733 3,408,715,725 280 15,196,951
45-49 52.1 3.8 51.6 190 10,108,303 49,957 2,683,690,637 365 19,592,837
50-54 46.6 3.7 45.1 156 8,032,036 28,970 1,537,757,714 335 17,806,346
55-59 51.5 5.2 52.0 100 5,335,727 10,993 582,500,412 193 10,261,548
60-64 46.3 8.8 45.4 28 1,448,000 2,488 131,524,876 60 3,190,890
65+ 17.8 12.6 16.5 2 100,000 328 17,478,782 11 606,883
Total 50.5 1.8 50.4 782 42,007,675 320,058 17,426,071,021 1,548 83,336,078
By Attained Age
20-24 19.5 19.5 17.8 1 50,000 7,840 429,571,275 5 280,463
25-29 75.8 16.9 81.8 20 1,178,823 28,926 1,582,747,772 26 1,441,315
30-34 43.3 8.5 43.7 26 1,441,000 44,193 2,429,423,999 60 3,299,908
35-39 41.4 6.2 42.5 44 2,486,462 51,499 2,837,876,942 106 5,847,172
40-44 50.1 5.0 50.3 98 5,421,898 59,605 3,270,414,448 197 10,774,124
45-49 55.2 4.3 54.8 166 8,941,916 56,077 3,043,636,920 301 16,309,693
50-54 47.8 3.7 47.5 168 8,923,349 40,782 2,178,971,156 352 18,786,779
55-59 53.0 4.3 52.0 155 8,108,750 21,556 1,146,542,639 293 15,607,638
60-64 53.0 6.0 52.8 79 4,182,477 7,524 397,831,476 150 7,918,165
65+ 41.5 8.5 41.5 24 1,273,000 2,055 109,054,395 58 3,070,822
Total 50.5 1.8 50.4 782 42,007,675 320,058 17,426,071,021 1,548 83,336,078

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 28.2 3.5 27.8 64 7,262,500 83,225 9,490,693,908 228 26,126,900
2 58.0 4.9 56.7 142 15,949,700 79,120 9,028,682,302 245 28,133,558
3 61.3 4.9 62.0 157 18,130,000 73,413 8,382,289,237 255 29,263,536
4 60.6 4.9 60.3 155 17,730,000 65,317 7,476,385,612 256 29,400,660
5 62.1 5.2 63.0 144 16,796,538 52,523 6,026,318,572 232 26,663,243
6 60.6 5.7 57.7 114 12,438,417 37,977 4,353,248,319 188 21,569,149
7+ 63.9 4.3 64.5 226 26,298,507 55,331 6,364,148,591 354 40,751,693
Total 57.0 1.8 56.8 1,002 114,605,662 446,907 51,121,766,540 1,758 201,908,738
By Issue Age
20-24 71.6 18.5 67.2 15 1,567,500 27,681 3,083,764,319 21 2,332,071
25-29 68.5 9.5 67.0 52 5,710,000 68,196 7,657,880,090 76 8,522,541
30-34 61.2 6.2 62.7 96 11,245,000 92,352 10,558,010,811 157 17,933,236
35-39 54.8 4.7 56.4 135 16,025,385 92,460 10,666,372,299 246 28,401,978
40-44 59.3 4.1 59.6 206 24,067,750 78,694 9,128,070,083 348 40,372,445
45-49 53.3 3.8 53.6 198 22,875,000 50,446 5,789,114,255 372 42,685,357
50-54 58.1 4.3 55.7 180 19,949,205 25,746 2,959,960,242 311 35,838,283
55-59 50.3 5.4 48.5 86 9,440,822 9,328 1,055,056,504 171 19,478,618
60-64 57.7 11.1 59.2 27 3,125,000 1,729 193,374,947 47 5,281,416
65+ 63.2 25.8 56.5 6 600,000 273 30,162,990 9 1,062,793
Total 57.0 1.8 56.8 1,002 114,605,662 446,907 51,121,766,540 1,758 201,908,738
By Attained Age
20-24 68.6 28.0 65.7 6 642,500 13,429 1,502,374,841 9 977,409
25-29 70.9 12.7 68.4 31 3,335,000 48,216 5,382,342,172 44 4,879,062
30-34 51.7 7.0 50.1 55 6,035,000 78,796 8,925,326,996 106 12,047,410
35-39 61.3 5.8 62.1 113 13,131,333 90,925 10,437,857,967 184 21,143,675
40-44 56.8 4.5 59.2 156 18,861,052 84,915 9,846,414,242 275 31,845,978
45-49 55.7 4.0 56.0 191 22,180,750 64,185 7,413,190,271 343 39,613,387
50-54 56.0 4.0 54.2 194 21,605,000 39,436 4,539,230,860 345 39,827,164
55-59 50.1 4.3 49.5 136 15,443,905 19,176 2,189,331,687 272 31,173,458
60-64 68.0 7.1 65.3 91 9,945,122 6,331 718,145,236 134 15,235,447
65+ 63.3 11.8 66.3 29 3,426,000 1,497 167,552,266 46 5,165,747
Total 57.0 1.8 56.8 1,002 114,605,662 446,907 51,121,766,540 1,758 201,908,738

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 36.5 9.8 28.7 14 4,000,000 11,533 4,132,210,818 38 13,944,687
2 37.6 9.7 34.5 15 5,036,667 10,698 3,822,994,079 40 14,602,560
3 67.0 12.9 83.9 27 12,223,349 9,550 3,369,141,143 40 14,561,639
4 72.0 13.4 82.1 29 11,900,000 8,497 2,978,457,847 40 14,497,323
5 42.9 11.1 34.0 15 4,275,000 6,783 2,374,247,420 35 12,564,194
6 68.5 15.7 79.1 19 7,850,000 4,936 1,729,602,417 28 9,927,090
7+ 76.5 12.1 66.5 40 12,250,000 7,441 2,581,504,888 52 18,433,515
Total 58.0 4.6 58.4 159 57,535,016 59,439 20,988,158,611 274 98,531,008
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,668 490,907,446 1 353,704
25-29 72.3 36.2 78.5 4 1,400,000 5,018 1,620,310,372 6 1,783,489
30-34 55.2 17.5 47.1 10 2,900,000 10,931 3,740,872,586 18 6,157,828
35-39 56.3 12.3 65.5 21 8,630,000 14,507 5,157,873,243 37 13,168,082
40-44 69.3 11.0 59.1 40 12,418,349 13,174 4,827,703,455 58 20,999,998
45-49 48.3 9.0 52.4 29 11,586,667 8,096 2,969,955,432 60 22,109,641
50-54 56.0 10.6 54.6 28 10,000,000 4,018 1,464,323,321 50 18,298,935
55-59 68.5 15.0 76.6 21 8,250,000 1,591 556,702,496 31 10,774,439
60-64 42.6 19.1 48.4 5 2,100,000 395 146,023,617 12 4,337,629
65+ 63.6 63.6 45.7 1 250,000 39 13,486,644 2 547,261
Total 58.0 4.6 58.4 159 57,535,016 59,439 20,988,158,611 274 98,531,008
By Attained Age
20-24 0.0 0.0 0.0 0 0 907 264,782,633 1 168,890
25-29 35.3 35.3 44.8 1 400,000 3,177 999,863,758 3 892,175
30-34 69.1 26.1 58.7 7 2,000,000 7,648 2,576,999,558 10 3,404,487
35-39 52.0 14.4 40.5 13 3,530,000 12,714 4,452,688,336 25 8,708,635
40-44 50.8 10.8 58.4 22 9,188,349 13,756 5,006,115,589 43 15,738,354
45-49 54.0 9.7 54.3 31 11,320,000 10,707 3,891,873,220 57 20,841,506
50-54 63.3 10.5 60.5 36 12,496,667 6,266 2,258,255,912 57 20,639,820
55-59 57.5 11.3 60.4 26 10,050,000 2,974 1,086,538,260 45 16,637,085
60+ 70.7 14.7 74.3 23 8,550,000 1,289 451,041,346 33 11,500,057
Total 58.0 4.6 58.4 159 57,535,016 59,439 20,988,158,611 274 98,531,008

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 13.9 4.1 15.6 11 285,000 17,914 413,241,681 81 1,825,410
2 37.3 6.5 40.2 33 814,431 17,054 396,035,898 89 2,026,808
3 33.1 5.9 35.8 31 776,955 16,018 374,812,019 94 2,170,771
4 42.3 6.7 39.6 40 874,625 14,198 335,256,786 95 2,211,192
5 50.1 7.6 49.4 43 992,218 11,396 270,259,359 86 2,008,591
6 57.0 9.1 63.7 39 1,027,961 8,105 192,931,647 68 1,613,778
7+ 46.9 6.6 51.9 50 1,355,534 9,982 243,824,515 107 2,611,184
Total 40.0 2.5 42.3 248 6,126,724 94,667 2,226,361,904 620 14,467,735
By Issue Age
20-24 69.4 40.1 122.9 3 110,000 6,452 133,228,305 4 89,499
25-29 87.7 29.2 97.6 9 225,000 10,960 246,555,909 10 230,558
30-34 16.7 9.7 14.4 3 60,000 12,545 291,407,016 18 417,662
35-39 32.4 10.1 39.5 10 304,581 13,597 329,828,078 32 770,582
40-44 40.3 7.9 42.0 26 674,692 15,168 375,143,398 64 1,604,593
45-49 39.8 5.8 40.8 47 1,197,109 15,506 383,378,570 118 2,934,636
50-54 38.3 5.0 39.3 59 1,452,246 11,514 273,062,819 155 3,699,052
55-59 43.4 5.6 48.6 60 1,489,988 6,518 143,373,752 139 3,063,815
60+ 37.8 6.9 37.0 30 613,108 2,406 50,384,056 79 1,657,337
Total 40.0 2.5 42.3 248 6,126,724 94,667 2,226,361,904 620 14,467,735
By Attained Age
20-24 51.8 51.8 63.4 1 25,000 3,245 65,891,787 2 39,426
25-29 85.9 35.1 126.4 6 195,000 8,988 198,006,021 7 154,311
30-34 37.3 16.7 27.8 5 85,000 11,705 266,433,241 13 305,534
35-39 18.5 9.2 26.1 4 135,000 12,474 296,812,993 22 516,521
40-44 38.2 9.5 43.2 16 446,927 14,295 347,202,722 42 1,035,199
45-49 38.4 6.8 39.2 32 812,346 15,355 381,245,327 83 2,069,878
50-54 41.1 5.6 42.4 53 1,329,821 13,464 325,739,271 130 3,139,941
55-59 31.9 4.5 33.7 49 1,208,534 9,288 216,172,232 154 3,585,043
60-64 52.7 6.9 57.5 58 1,405,473 4,362 97,132,497 110 2,443,071
65+ 41.3 8.6 41.0 23 483,623 1,491 31,725,811 56 1,178,812
Total 40.0 2.5 42.3 248 6,126,724 94,667 2,226,361,904 620 14,467,735

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 26.0 5.3 28.3 24 1,410,000 26,830 1,461,684,590 92 4,982,973
2 42.7 6.6 42.3 42 2,256,582 24,692 1,351,407,160 99 5,335,758
3 47.0 6.6 44.5 50 2,556,816 23,100 1,268,705,474 106 5,751,499
4 59.7 7.4 57.5 64 3,348,086 20,491 1,128,144,099 108 5,821,328
5 58.7 7.6 58.7 59 3,196,000 16,852 927,150,006 101 5,447,450
6 53.7 8.0 53.8 45 2,442,725 12,518 687,242,581 84 4,542,632
7+ 55.7 5.8 54.5 91 4,823,499 18,828 1,030,714,302 163 8,857,979
Total 49.8 2.6 49.2 376 20,033,708 143,310 7,855,048,213 753 40,739,620
By Issue Age
20-24 20.5 20.5 18.7 1 50,000 7,184 393,989,649 5 267,371
25-29 80.5 22.3 84.2 13 753,296 16,945 939,917,730 16 895,159
30-34 18.4 7.5 16.7 6 300,000 22,446 1,241,949,084 33 1,799,712
35-39 41.7 8.2 43.0 26 1,490,520 25,851 1,439,005,163 62 3,467,814
40-44 39.4 5.7 39.4 48 2,630,629 28,175 1,544,610,279 122 6,681,527
45-49 51.0 5.3 49.7 91 4,780,500 22,835 1,233,030,162 178 9,617,147
50-54 54.6 5.5 53.2 99 5,167,036 13,345 714,520,472 181 9,720,710
55-59 63.0 7.4 63.1 72 3,873,727 5,301 282,973,633 115 6,136,158
60-64 54.5 12.8 54.0 18 938,000 1,047 55,081,248 33 1,736,325
65+ 13.3 13.3 12.0 1 50,000 181 9,970,792 8 417,697
Total 49.8 2.6 49.2 376 20,033,708 143,310 7,855,048,213 753 40,739,620
By Attained Age
20-24 47.8 47.8 43.5 1 50,000 3,465 190,393,566 2 114,949
25-29 83.8 29.6 87.8 8 462,296 12,168 671,189,071 10 526,299
30-34 22.3 10.0 23.4 5 291,000 19,513 1,080,900,605 22 1,243,154
35-39 29.8 8.6 27.7 12 619,773 23,133 1,284,782,999 40 2,236,716
40-44 35.1 6.6 36.5 28 1,608,833 26,751 1,476,286,770 80 4,404,401
45-49 48.7 6.0 47.6 66 3,519,543 25,248 1,379,986,510 136 7,398,238
50-54 44.7 5.0 44.4 79 4,212,536 18,541 995,116,766 177 9,482,022
55-59 65.4 6.3 63.9 107 5,626,250 9,999 536,901,791 164 8,804,719
60-64 58.7 8.1 57.8 52 2,730,477 3,560 189,656,924 89 4,724,109
65+ 50.4 12.2 50.6 17 913,000 933 49,833,210 34 1,805,013
Total 49.8 2.6 49.2 376 20,033,708 143,310 7,855,048,213 753 40,739,620

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 4.8 28.3 32 3,885,000 42,069 4,865,467,140 118 13,722,013
2 58.3 6.7 56.8 75 8,554,700 40,156 4,649,359,808 129 15,058,282
3 58.6 6.5 58.4 80 9,322,000 37,419 4,331,425,508 137 15,953,502
4 53.2 6.2 51.8 74 8,420,000 33,280 3,865,576,435 139 16,251,859
5 53.7 6.5 52.1 69 7,816,538 26,905 3,133,671,454 129 15,010,125
6 52.5 7.0 51.8 56 6,437,667 19,651 2,285,915,107 107 12,417,174
7+ 59.8 5.3 61.8 128 15,457,000 29,518 3,446,575,839 214 25,022,349
Total 52.9 2.3 52.8 515 59,892,905 228,997 26,577,991,291 973 113,435,304
By Issue Age
20-24 78.6 29.7 75.1 7 750,000 13,074 1,467,154,315 9 998,138
25-29 84.1 16.5 83.1 26 2,910,000 32,189 3,643,182,936 31 3,500,677
30-34 57.1 9.1 59.8 39 4,735,000 46,474 5,375,326,767 68 7,913,655
35-39 45.1 6.3 44.7 51 5,953,333 47,568 5,577,419,430 113 13,321,076
40-44 51.0 5.3 51.5 92 11,007,000 41,824 4,930,201,019 181 21,360,371
45-49 46.1 4.7 47.0 97 11,545,000 26,746 3,123,246,493 211 24,578,136
50-54 60.8 5.5 59.6 121 13,894,205 14,402 1,688,188,317 199 23,324,648
55-59 48.5 6.4 46.8 57 6,348,367 5,440 626,414,000 118 13,575,054
60-64 54.1 12.4 55.8 19 2,250,000 1,105 126,648,848 35 4,034,107
65+ 69.5 31.1 60.3 5 500,000 175 20,209,165 7 829,442
Total 52.9 2.3 52.8 515 59,892,905 228,997 26,577,991,291 973 113,435,304
By Attained Age
20-24 51.9 36.7 57.5 2 250,000 6,352 716,587,112 4 434,963
25-29 78.5 21.0 77.8 14 1,560,000 22,533 2,533,499,616 18 2,005,663
30-34 62.1 11.7 61.7 28 3,185,000 38,733 4,435,681,828 45 5,165,979
35-39 54.5 8.2 54.3 44 5,113,333 46,245 5,371,617,606 81 9,410,069
40-44 54.2 6.4 54.0 71 8,377,000 44,265 5,221,658,568 131 15,513,652
45-49 38.1 4.6 40.1 69 8,530,000 33,950 3,986,689,013 181 21,280,283
50-54 52.9 5.1 51.9 107 12,325,000 21,246 2,491,452,047 203 23,754,224
55-59 53.1 5.4 53.4 95 11,173,905 10,880 1,270,339,576 179 20,908,398
60-64 64.7 8.2 61.8 62 6,802,667 3,840 441,178,036 96 11,003,602
65+ 63.8 13.6 65.1 22 2,576,000 954 109,287,889 34 3,958,472
Total 52.9 2.3 52.8 515 59,892,905 228,997 26,577,991,291 973 113,435,304

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 22.4 9.1 19.8 6 2,000,000 7,741 2,884,356,657 27 10,089,201
2 31.7 10.6 25.8 9 2,776,667 7,274 2,699,115,245 28 10,745,877
3 72.3 15.8 84.3 21 9,173,349 6,523 2,387,173,705 29 10,879,823
4 74.5 15.9 80.3 22 8,850,000 5,866 2,133,734,502 30 11,022,272
5 30.8 10.9 25.9 8 2,500,000 4,718 1,718,237,228 26 9,663,365
6 57.2 16.5 64.3 12 4,970,000 3,499 1,270,410,041 21 7,733,763
7+ 74.8 13.7 64.3 30 9,400,000 5,282 1,897,528,538 40 14,616,635
Total 53.8 5.2 53.1 108 39,670,016 40,903 14,990,555,915 201 74,750,936
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,030 308,361,361 1 208,604
25-29 67.6 47.8 66.7 2 650,000 2,994 984,954,044 3 974,371
30-34 46.1 20.6 36.3 5 1,400,000 7,199 2,553,053,197 11 3,854,485
35-39 49.9 14.4 62.1 12 5,455,000 9,995 3,660,277,430 24 8,778,389
40-44 69.2 13.1 59.3 28 9,078,349 9,364 3,571,087,303 40 15,320,837
45-49 44.9 10.0 43.9 20 7,536,667 5,790 2,233,514,238 45 17,179,669
50-54 47.5 10.9 46.5 19 6,950,000 2,976 1,114,807,955 40 14,946,671
55-59 64.2 16.1 69.7 16 6,250,000 1,174 424,655,263 25 8,969,692
60-64 46.1 20.6 52.4 5 2,100,000 346 127,691,813 11 4,005,962
65+ 68.9 68.9 48.8 1 250,000 34 12,153,311 1 512,255
Total 53.8 5.2 53.1 108 39,670,016 40,903 14,990,555,915 201 74,750,936
By Attained Age
20-24 0.0 0.0 0.0 0 0 540 160,059,208 0 97,168
25-29 65.0 65.0 80.8 1 400,000 1,908 611,803,333 2 494,951
30-34 86.8 38.8 62.3 5 1,250,000 4,826 1,674,532,878 6 2,005,171
35-39 32.8 14.7 25.5 5 1,405,000 8,550 3,093,624,932 15 5,517,033
40-44 48.4 12.9 57.4 14 6,278,349 9,669 3,650,213,771 29 10,939,754
45-49 43.9 10.3 39.6 18 6,140,000 7,676 2,901,412,322 41 15,503,731
50-54 65.3 12.3 62.7 28 10,146,667 4,480 1,689,929,514 43 16,188,743
55-59 45.8 11.1 44.7 17 6,250,000 2,249 849,172,885 37 13,966,837
60+ 71.5 16.0 77.7 20 7,800,000 1,006 359,807,072 28 10,037,548
Total 53.8 5.2 53.1 108 39,670,016 40,903 14,990,555,915 201 74,750,936

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 21.8 4.4 21.8 24 549,000 26,157 608,826,243 111 2,521,074
2 44.5 6.2 46.4 51 1,225,438 24,427 572,978,598 115 2,640,696
3 54.1 6.8 55.2 63 1,502,505 22,815 539,774,038 117 2,722,828
4 56.9 7.1 56.5 65 1,515,049 20,271 482,545,580 114 2,679,913
5 44.1 6.7 46.3 44 1,095,179 16,109 385,704,502 100 2,367,748
6 61.5 9.0 63.4 47 1,164,545 11,279 272,744,033 76 1,837,038
7+ 50.2 6.9 52.4 53 1,372,150 12,894 319,637,953 106 2,617,676
Total 47.1 2.5 48.4 348 8,423,866 133,951 3,182,210,946 738 17,386,973
By Issue Age
20-24 66.5 29.7 69.3 5 110,000 9,147 192,772,329 8 158,841
25-29 64.3 18.6 58.4 12 245,000 15,302 344,402,967 19 419,836
30-34 67.5 14.7 79.5 21 585,000 16,467 389,556,369 31 735,681
35-39 45.4 9.3 51.5 24 673,750 18,066 445,253,888 53 1,307,908
40-44 57.0 7.6 60.1 56 1,483,180 21,924 549,380,585 98 2,467,125
45-49 41.5 5.3 41.2 62 1,557,006 22,175 556,623,352 150 3,778,469
50-54 46.6 5.3 44.4 78 1,801,331 17,180 413,965,031 168 4,053,263
55-59 43.7 5.7 44.8 58 1,303,518 9,753 212,452,423 133 2,908,736
60+ 39.3 7.1 42.7 31 665,081 3,938 77,804,003 79 1,557,113
Total 47.1 2.5 48.4 348 8,423,866 133,951 3,182,210,946 738 17,386,973
By Attained Age
20-24 98.1 56.7 117.3 3 75,000 4,433 92,477,491 3 63,963
25-29 68.7 22.9 57.0 9 165,000 13,113 289,464,067 13 289,548
30-34 38.1 12.7 42.0 9 230,000 15,495 359,102,179 24 548,094
35-39 56.3 12.0 65.9 22 619,000 16,851 403,883,871 39 938,602
40-44 63.6 9.5 64.6 45 1,141,688 19,821 493,810,272 71 1,767,135
45-49 45.5 6.2 48.1 54 1,419,397 21,841 543,585,172 119 2,951,170
50-54 46.1 5.4 46.0 72 1,776,371 19,676 485,985,221 157 3,864,880
55-59 43.2 5.2 42.7 68 1,569,500 13,857 324,187,386 158 3,677,281
60-64 40.4 6.3 38.8 41 857,071 6,480 141,346,416 102 2,208,490
65+ 44.9 9.2 53.0 24 570,839 2,385 48,368,873 53 1,077,809
Total 47.1 2.5 48.4 348 8,423,866 133,951 3,182,210,946 738 17,386,973

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 5.4 31.5 35 1,832,500 33,652 1,805,487,460 109 5,809,277
2 46.3 6.4 47.8 52 2,866,254 30,470 1,641,904,673 112 5,993,963
3 49.9 6.6 49.2 57 3,026,490 28,038 1,518,020,904 115 6,150,899
4 55.7 7.0 55.5 63 3,377,490 24,950 1,356,247,462 113 6,082,740
5 55.3 7.3 54.7 58 3,104,527 20,952 1,142,937,448 105 5,672,946
6 39.7 6.8 41.6 34 1,923,000 15,568 849,166,898 86 4,619,601
7+ 69.4 6.7 70.7 107 5,843,706 23,118 1,257,257,964 154 8,267,033
Total 51.2 2.5 51.6 407 21,973,967 176,748 9,571,022,808 794 42,596,458
By Issue Age
20-24 25.7 18.2 29.6 2 125,000 9,368 510,497,096 8 422,859
25-29 61.9 15.0 65.9 17 991,527 22,286 1,219,702,231 27 1,503,586
30-34 65.8 11.1 67.3 35 1,963,000 27,749 1,520,123,153 53 2,917,573
35-39 61.2 7.9 62.9 60 3,398,572 32,761 1,799,218,769 98 5,406,551
40-44 62.2 6.3 62.0 98 5,281,065 34,558 1,864,105,446 158 8,515,423
45-49 53.0 5.3 53.4 99 5,327,803 27,122 1,450,660,475 187 9,975,690
50-54 37.1 4.9 35.4 57 2,865,000 15,625 823,237,242 154 8,085,636
55-59 34.7 6.6 35.4 27 1,462,000 5,692 299,526,779 78 4,125,390
60-64 36.5 11.5 35.1 10 510,000 1,441 76,443,627 27 1,454,564
65+ 27.0 27.0 26.4 1 50,000 147 7,507,990 4 189,186
Total 51.2 2.5 51.6 407 21,973,967 176,748 9,571,022,808 794 42,596,458
By Attained Age
20-24 0.0 0.0 0.0 0 0 4,376 239,177,709 3 165,514
25-29 71.3 20.6 78.3 12 716,527 16,758 911,558,701 17 915,016
30-34 55.8 12.2 55.9 21 1,150,000 24,681 1,348,523,394 38 2,056,754
35-39 48.5 8.6 51.7 32 1,866,689 28,367 1,553,093,943 66 3,610,456
40-44 60.3 7.2 59.9 70 3,813,065 32,854 1,794,127,678 117 6,369,723
45-49 60.5 6.0 60.8 100 5,422,373 30,829 1,663,650,410 165 8,911,455
50-54 50.9 5.4 50.6 89 4,710,813 22,241 1,183,854,390 175 9,304,757
55-59 37.3 5.4 36.5 48 2,482,500 11,556 609,640,847 129 6,802,918
60-64 44.6 8.6 45.5 27 1,452,000 3,964 208,174,551 61 3,194,056
65+ 29.2 11.0 28.4 7 360,000 1,122 59,221,184 24 1,265,809
Total 51.2 2.5 51.6 407 21,973,967 176,748 9,571,022,808 794 42,596,458

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 29.1 5.1 27.2 32 3,377,500 41,155 4,625,226,768 110 12,404,887
2 57.8 7.0 56.6 67 7,395,000 38,965 4,379,322,494 116 13,075,275
3 64.5 7.4 66.2 76 8,808,000 35,994 4,050,863,728 118 13,310,034
4 69.4 7.7 70.8 81 9,310,000 32,037 3,610,809,177 117 13,148,801
5 72.6 8.4 77.1 75 8,980,000 25,619 2,892,647,118 103 11,653,118
6 71.3 9.4 65.6 58 6,000,750 18,326 2,067,333,212 81 9,151,975
7+ 70.2 7.1 68.9 98 10,841,507 25,814 2,917,572,753 140 15,729,344
Total 62.0 2.8 61.8 488 54,712,757 217,909 24,543,775,250 786 88,473,434
By Issue Age
20-24 66.4 23.5 61.3 8 817,500 14,608 1,616,610,004 12 1,333,933
25-29 57.8 11.3 55.8 26 2,800,000 36,008 4,014,697,154 45 5,021,863
30-34 64.4 8.5 65.0 57 6,510,000 45,879 5,182,684,044 89 10,019,581
35-39 63.2 6.9 66.8 84 10,072,052 44,892 5,088,952,869 133 15,080,901
40-44 68.3 6.4 68.7 114 13,060,750 36,870 4,197,869,063 167 19,012,074
45-49 62.8 6.2 62.6 101 11,330,000 23,700 2,665,867,762 161 18,107,221
50-54 53.2 6.9 48.4 59 6,055,000 11,344 1,271,771,925 112 12,513,635
55-59 54.3 10.1 52.4 29 3,092,455 3,888 428,642,504 53 5,903,564
60-64 68.5 24.2 70.2 8 875,000 625 66,726,100 12 1,247,310
65+ 43.7 43.7 42.9 1 100,000 98 9,953,825 2 233,351
Total 62.0 2.8 61.8 488 54,712,757 217,909 24,543,775,250 786 88,473,434
By Attained Age
20-24 81.9 40.9 72.4 4 392,500 7,078 785,787,729 5 542,446
25-29 65.7 15.9 61.8 17 1,775,000 25,683 2,848,842,556 26 2,873,399
30-34 44.0 8.5 41.4 27 2,850,000 40,063 4,489,645,168 61 6,881,431
35-39 66.7 8.0 68.3 69 8,018,000 44,680 5,066,240,361 103 11,733,606
40-44 59.2 6.4 64.2 85 10,484,052 40,650 4,624,755,675 144 16,332,326
45-49 75.5 6.8 74.5 122 13,650,750 30,235 3,426,501,258 162 18,333,104
50-54 60.5 6.5 57.7 86 9,280,000 18,191 2,047,778,814 143 16,072,940
55-59 44.2 6.9 41.6 41 4,270,000 8,296 918,992,111 93 10,265,061
60-64 76.2 14.2 74.3 29 3,142,455 2,490 276,967,200 38 4,231,845
65+ 62.0 23.4 70.4 7 850,000 544 58,264,378 11 1,207,275
Total 62.0 2.8 61.8 488 54,712,757 217,909 24,543,775,250 786 88,473,434

Thomson Data Analysis Tue Sep 30 14:06:59 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 2004 AND 2009
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 69.2 24.5 51.9 8 2,000,000 3,792 1,247,854,161 12 3,855,486
2 51.9 21.1 58.6 6 2,260,000 3,424 1,123,878,834 12 3,856,683
3 53.3 21.7 82.8 6 3,050,000 3,027 981,967,439 11 3,681,816
4 65.1 24.6 87.8 7 3,050,000 2,631 844,723,345 11 3,475,051
5 77.4 29.2 61.2 7 1,775,000 2,065 656,010,191 9 2,900,829
6+ 89.7 21.8 95.3 17 5,730,000 3,596 1,143,168,725 19 6,010,206
Total 69.7 9.8 75.1 51 17,865,000 18,535 5,997,602,696 73 23,780,072
By Issue Age
20-24 0.0 0.0 0.0 0 0 638 182,546,085 1 145,100
25-29 77.7 55.0 92.7 2 750,000 2,024 635,356,328 3 809,118
30-34 68.9 30.8 65.1 5 1,500,000 3,732 1,187,819,389 7 2,303,344
35-39 68.0 22.7 72.3 9 3,175,000 4,512 1,497,595,813 13 4,389,693
40-44 69.5 20.0 58.8 12 3,340,000 3,810 1,256,616,152 17 5,679,161
45-49 57.9 19.3 82.2 9 4,050,000 2,306 736,441,194 16 4,929,973
50-54 90.0 30.0 91.0 9 3,050,000 1,043 349,515,366 10 3,352,264
55-59 87.3 39.1 110.8 5 2,000,000 417 132,047,233 6 1,804,747
60+ 0.0 0.0 0.0 0 0 53 19,665,137 1 366,673
Total 69.7 9.8 75.1 51 17,865,000 18,535 5,997,602,696 73 23,780,072
By Attained Age
20-24 0.0 0.0 0.0 0 0 368 104,723,425 0 71,722
25-29 0.0 0.0 0.0 0 0 1,269 388,060,425 1 397,224
30-34 45.7 32.3 53.6 2 750,000 2,822 902,466,679 4 1,399,317
35-39 81.9 29.0 66.6 8 2,125,000 4,164 1,359,063,404 10 3,191,601
40-44 55.5 19.6 60.6 8 2,910,000 4,088 1,355,901,818 14 4,798,600
45-49 79.6 22.1 97.0 13 5,180,000 3,031 990,460,899 16 5,337,775
50-54 57.1 20.2 52.8 8 2,350,000 1,786 568,326,398 14 4,451,077
55-59 110.4 36.8 142.3 9 3,800,000 725 237,365,375 8 2,670,248
60+ 66.2 38.2 51.3 3 750,000 283 91,234,274 5 1,462,508
Total 69.7 9.8 75.1 51 17,865,000 18,535 5,997,602,696 73 23,780,072

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.1     TOTAL EXPERIENCE BY ILLNESS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 67.9 1.5 72.9 2,113 179,387,788 1,182,016 102,943,291,697 3,111 246,148,675
Cardio 38.1 1.6 36.8 594 49,650,996 1,182,016 102,943,291,697 1,558 134,835,683
Organ 8.0 2.1 5.6 15 919,477 1,164,529 101,644,068,408 187 16,443,611
Neuro 29.6 2.6 45.1 127 15,631,664 1,164,436 101,637,369,751 429 34,643,479
Accident/Infectious 52.2 9.0 62.6 34 3,520,000 1,166,882 101,801,318,049 65 5,621,827
LOIE 0.0 0.0 0.0 0 0 222,915 20,148,013,857 13 1,116,079
Non-LT 51.0 13.4 54.2 15 1,398,700 587,148 11,193,903,714 29 2,579,811
Total 53.7 1.0 56.8 2,898 250,508,625 6,669,943 542,311,257,173 5,392 441,389,166

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.2     TOTAL EXPERIENCE BY ILLNESS -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 67.3 2.3 70.2 866 82,633,458 577,959 56,560,612,232 1,287 117,726,240
Cardio 41.2 1.9 39.3 474 42,229,608 577,959 56,560,612,232 1,149 107,382,519
Organ 11.3 3.1 7.0 13 779,477 568,567 55,797,750,996 116 11,189,643
Neuro 35.0 4.4 59.1 63 9,950,664 568,529 55,794,767,526 180 16,848,076
Accident/Infectious 46.6 11.3 59.2 17 2,085,000 569,848 55,886,248,430 37 3,522,660
LOIE 0.0 0.0 0.0 0 0 107,151 11,281,382,631 6 666,041
Non-LT 73.2 20.6 71.3 13 1,220,100 291,990 6,157,672,668 17 1,710,203
Total 51.8 1.4 53.6 1,446 138,898,307 3,262,004 298,039,046,715 2,791 259,045,383

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.3     TOTAL EXPERIENCE BY ILLNESS -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 68.3 1.9 75.3 1,247 96,754,330 604,057 46,382,679,464 1,825 128,422,436
Cardio 29.3 2.7 27.0 120 7,421,388 604,057 46,382,679,464 409 27,453,164
Organ 2.8 2.0 2.7 2 140,000 595,961 45,846,317,412 72 5,253,968
Neuro 25.7 3.2 31.9 64 5,681,000 595,907 45,842,602,226 249 17,795,403
Accident/Infectious 59.5 14.4 68.4 17 1,435,000 597,034 45,915,069,619 29 2,099,167
LOIE 0.0 0.0 0.0 0 0 115,764 8,866,631,227 6 450,038
Non-LT 16.8 12.2 20.5 2 178,600 295,158 5,036,231,046 11 869,607
Total 55.8 1.5 61.2 1,452 111,610,318 3,407,939 244,272,210,459 2,601 182,343,782

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.4     TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 86.1 5.8 96.5 223 13,639,239 127,827 8,007,135,025 259 14,141,184
Cardio 89.5 8.3 85.5 116 6,580,193 127,827 8,007,135,025 130 7,697,784
Organ 5.5 5.5 2.2 1 25,000 125,642 7,887,347,651 18 1,114,677
Neuro 39.6 10.2 56.8 15 1,230,000 125,637 7,887,147,651 38 2,167,304
Accident/Infectious 43.7 25.2 69.1 3 300,000 125,961 7,907,122,722 7 434,064
LOIE 0.0 0.0 0.0 0 0 22,517 1,468,637,023 1 72,293
Non-LT 42.3 45.9 26.8 1 35,250 52,962 661,921,214 2 131,328
Total 78.9 4.2 84.7 359 21,809,682 708,373 41,826,446,310 455 25,758,635

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.5     TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 79.2 8.4 87.8 88 6,158,639 70,534 4,915,923,734 111 7,010,848
Cardio 98.0 9.9 91.7 97 5,763,065 70,534 4,915,923,734 99 6,284,611
Organ 8.4 8.4 3.1 1 25,000 69,323 4,847,058,842 12 802,625
Neuro 59.0 18.6 80.8 10 900,000 69,323 4,847,058,842 17 1,113,375
Accident/Infectious 69.1 39.9 99.3 3 300,000 69,529 4,859,614,273 4 302,093
LOIE 0.0 0.0 0.0 0 0 12,592 942,183,089 1 47,509
Non-LT 50.7 62.9 31.1 1 28,250 30,132 405,269,609 1 90,728
Total 81.4 5.8 84.2 200 13,174,954 391,967 25,733,032,122 245 15,651,789

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.6     TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 91.3 7.9 104.9 135 7,480,600 57,293 3,091,211,291 148 7,130,337
Cardio 62.0 14.2 57.8 19 817,128 57,293 3,091,211,291 31 1,413,173
Organ 0.0 0.0 0.0 0 0 56,319 3,040,288,809 6 312,053
Neuro 23.9 10.7 31.3 5 330,000 56,314 3,040,088,809 21 1,053,929
Accident/Infectious 0.0 0.0 0.0 0 0 56,432 3,047,508,449 3 131,971
LOIE & Non-LT 16.0 35.9 10.7 0 7,000 32,755 783,105,538 1 65,384
Total 76.1 6.0 85.4 159 8,634,728 316,406 16,093,414,188 209 10,106,846

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.7     TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 66.3 1.5 71.4 1,890 165,748,549 1,054,189 94,936,156,672 2,852 232,007,491
Cardio 33.5 1.5 33.9 478 43,070,803 1,054,189 94,936,156,672 1,428 127,137,899
Organ 8.3 2.2 5.8 14 894,477 1,038,887 93,756,720,757 169 15,328,934
Neuro 28.6 2.7 44.3 112 14,401,664 1,038,799 93,750,222,101 391 32,476,176
Accident/Infectious 53.3 9.6 62.1 31 3,220,000 1,040,922 93,894,195,327 58 5,187,763
LOIE 0.0 0.0 0.0 0 0 200,398 18,679,376,834 12 1,043,786
Non-LT 51.6 14.0 55.7 14 1,363,450 534,186 10,531,982,501 27 2,448,482
Total 51.4 1.0 55.0 2,539 228,698,943 5,961,569 500,484,810,863 4,938 415,630,531

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.8     TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 66.2 2.4 69.1 778 76,474,819 507,424 51,644,688,498 1,176 110,715,392
Cardio 35.9 1.8 36.1 377 36,466,543 507,424 51,644,688,498 1,050 101,097,908
Organ 11.6 3.3 7.3 12 754,477 499,245 50,950,692,154 104 10,387,019
Neuro 32.5 4.5 57.5 53 9,050,664 499,206 50,947,708,684 163 15,734,701
Accident/Infectious 43.5 11.6 55.4 14 1,785,000 500,319 51,026,634,157 32 3,220,567
LOIE 0.0 0.0 0.0 0 0 94,559 10,339,199,542 6 618,532
Non-LT 75.1 21.7 73.6 12 1,191,850 261,858 5,752,403,059 16 1,619,475
Total 48.9 1.4 51.7 1,246 125,723,353 2,870,037 272,306,014,592 2,546 243,393,595

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 4.9     TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 66.3 2.0 73.6 1,112 89,273,730 546,764 43,291,468,174 1,677 121,292,099
Cardio 26.7 2.7 25.4 101 6,604,260 546,764 43,291,468,174 378 26,039,991
Organ 3.0 2.2 2.8 2 140,000 539,642 42,806,028,603 66 4,941,915
Neuro 25.8 3.4 32.0 59 5,351,000 539,593 42,802,513,417 228 16,741,474
Accident/Infectious 65.3 15.8 72.9 17 1,435,000 540,602 42,867,561,170 26 1,967,196
LOIE 0.0 0.0 0.0 0 0 105,839 8,340,177,293 6 425,254
Non-LT 16.0 12.3 20.7 2 171,600 272,328 4,779,579,441 11 829,007
Total 54.1 1.5 59.8 1,293 102,975,590 3,091,533 228,178,796,271 2,391 172,236,937

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.1     HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 38.6 6.0 42.5 41 3,917,500 226,654 19,647,750,505 106 9,210,716
2 30.3 5.1 24.0 35 2,411,250 210,360 18,311,313,718 116 10,044,919
3 40.0 5.7 42.2 49 4,463,914 193,930 16,743,425,366 122 10,586,425
4 42.0 5.8 37.2 52 4,006,303 171,773 14,873,022,850 124 10,770,719
5 42.4 6.1 34.1 48 3,356,527 138,574 11,993,193,887 113 9,834,065
6 53.0 7.6 48.9 49 3,937,771 100,117 8,694,169,126 93 8,057,632
7+ 41.8 5.0 40.5 71 6,265,499 140,608 12,680,416,246 170 15,457,476
Total 40.9 2.2 38.3 345 28,358,764 1,182,016 102,943,291,697 844 73,961,952

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.2     MALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 45.6 7.5 44.4 37 3,357,500 110,047 10,707,572,396 81 7,568,117
2 36.3 6.4 28.4 32 2,341,250 102,456 10,014,074,643 88 8,235,544
3 42.9 6.8 46.3 40 4,009,914 94,539 9,142,306,787 93 8,663,657
4 47.9 7.1 40.4 45 3,555,000 83,653 8,141,572,447 94 8,792,940
5 44.4 7.2 33.2 38 2,655,000 67,425 6,575,138,053 86 7,992,200
6 58.7 9.2 53.8 41 3,518,643 49,036 4,809,080,813 70 6,543,499
7+ 50.4 6.3 45.6 65 5,745,499 70,802 7,170,867,095 129 12,587,862
Total 46.5 2.7 41.7 298 25,182,806 577,959 56,560,612,232 641 60,383,819

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.3     FEMALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 8.0 34.1 4 560,000 116,607 8,940,178,108 25 1,642,599
2 10.9 6.3 3.9 3 70,000 107,904 8,297,239,075 27 1,809,375
3 30.9 10.3 23.6 9 454,000 99,391 7,601,118,579 29 1,922,768
4 23.5 8.9 22.8 7 451,303 88,120 6,731,450,403 30 1,977,779
5 36.0 11.4 38.1 10 701,527 71,149 5,418,055,834 28 1,841,865
6 35.2 12.5 27.7 8 419,128 51,081 3,885,088,313 23 1,514,133
7+ 14.7 6.0 18.1 6 520,000 69,806 5,509,549,151 41 2,869,614
Total 23.2 3.4 23.4 47 3,175,958 604,057 46,382,679,464 203 13,578,133

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.4     HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 150.9 37.7 171.5 16 1,042,500 27,649 1,738,751,182 11 607,843
2 92.4 29.2 66.7 10 410,000 24,134 1,499,593,058 11 614,699
3 111.1 32.1 111.3 12 689,065 21,160 1,292,137,005 11 618,846
4 104.3 31.5 115.4 11 720,000 18,105 1,116,536,535 11 623,864
5 97.2 32.4 89.9 9 500,000 13,992 867,012,849 9 556,395
6 164.2 47.4 126.9 12 567,628 9,756 609,521,362 7 447,164
7+ 119.9 30.0 102.9 16 925,000 13,032 883,583,034 13 898,560
Total 118.3 12.8 111.1 86 4,854,193 127,827 8,007,135,025 73 4,367,372

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.5     MALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 176.8 45.6 192.6 15 992,500 15,663 1,084,893,455 8 515,318
2 116.5 36.8 79.4 10 410,000 13,407 919,659,288 9 516,364
3 140.9 40.7 133.4 12 689,065 11,564 781,045,330 9 516,567
4 132.8 40.0 137.8 11 720,000 9,847 679,156,534 8 522,637
5 82.9 33.8 67.7 6 315,000 7,573 526,043,789 7 465,098
6 140.2 49.6 97.1 8 363,500 5,277 372,746,437 6 374,522
7+ 151.7 37.9 121.8 16 925,000 7,205 552,378,902 11 759,398
Total 136.0 15.4 120.3 78 4,415,065 70,534 4,915,923,734 57 3,669,904

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.6     FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 47.2 54.0 1 50,000 11,985 653,857,727 2 92,525
2 0.0 0.0 0.0 0 0 10,727 579,933,770 2 98,335
3 0.0 0.0 0.0 0 0 9,596 511,091,676 2 102,279
4 0.0 0.0 0.0 0 0 8,258 437,380,001 2 101,227
5 148.8 85.9 202.6 3 185,000 6,419 340,969,060 2 91,297
6 250.0 125.0 281.0 4 204,128 4,480 236,774,925 2 72,642
7+ 0.0 0.0 0.0 0 0 5,827 331,204,132 3 139,162
Total 52.3 18.5 63.0 8 439,128 57,293 3,091,211,291 15 697,468

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.7     HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 26.1 5.2 33.4 25 2,875,000 199,006 17,908,999,323 96 8,602,872
2 23.9 4.8 21.2 25 2,001,250 186,226 16,811,720,660 105 9,430,220
3 33.1 5.4 37.9 37 3,774,849 172,770 15,451,288,360 112 9,967,578
4 36.2 5.7 32.4 41 3,286,303 153,668 13,756,486,315 113 10,146,855
5 37.5 6.0 30.8 39 2,856,527 124,582 11,126,181,038 104 9,277,670
6 43.4 7.1 44.3 37 3,370,143 90,360 8,084,647,764 85 7,610,468
7+ 35.2 4.7 36.7 55 5,340,499 127,576 11,796,833,212 156 14,558,916
Total 33.6 2.1 33.8 259 23,504,571 1,054,189 94,936,156,672 771 69,594,580

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.8     MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 6.5 33.5 22 2,365,000 94,384 9,622,678,941 73 7,052,799
2 27.7 5.9 25.0 22 1,931,250 89,049 9,094,415,355 80 7,719,181
3 33.0 6.2 40.8 28 3,320,849 82,976 8,361,261,457 85 8,147,089
4 39.7 6.8 34.3 34 2,835,000 73,806 7,462,415,913 86 8,270,303
5 40.9 7.2 31.1 32 2,340,000 59,853 6,049,094,263 78 7,527,102
6 51.5 9.0 51.1 33 3,155,143 43,759 4,436,334,376 64 6,168,977
7+ 41.4 5.9 40.8 49 4,820,499 63,597 6,618,488,193 118 11,828,464
Total 37.7 2.5 36.6 220 20,767,741 507,424 51,644,688,498 583 56,713,915

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 5.9     FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 13.1 7.6 32.9 3 510,000 104,621 8,286,320,382 23 1,550,073
2 11.9 6.9 4.1 3 70,000 97,177 7,717,305,305 25 1,711,039
3 33.5 11.2 24.9 9 454,000 89,794 7,090,026,903 27 1,820,489
4 25.4 9.6 24.0 7 451,303 79,862 6,294,070,402 28 1,876,552
5 27.2 10.3 29.5 7 516,527 64,730 5,077,086,774 26 1,750,568
6 18.9 9.5 14.9 4 215,000 46,601 3,648,313,388 21 1,441,491
7+ 15.8 6.4 19.0 6 520,000 63,979 5,178,345,019 38 2,730,452
Total 20.8 3.3 21.2 39 2,736,830 546,764 43,291,468,174 187 12,880,665

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.1     LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 2.9 37.2 134 11,585,000 226,654 19,647,750,505 401 31,126,909
2 65.1 3.9 68.4 277 22,719,548 210,360 18,311,313,718 426 33,196,194
3 72.4 4.0 82.9 321 28,550,927 193,930 16,743,425,366 443 34,448,414
4 74.8 4.1 79.8 332 27,703,383 171,773 14,873,022,850 444 34,722,251
5 72.6 4.2 75.3 293 23,744,781 138,574 11,993,193,887 403 31,553,446
6 71.8 4.7 78.9 234 20,196,539 100,117 8,694,169,126 326 25,600,529
7+ 80.4 3.7 81.9 470 39,876,467 140,608 12,680,416,246 584 48,664,477
Total 68.1 1.5 72.9 2,061 174,376,645 1,182,016 102,943,291,697 3,027 239,312,222

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.2     MALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 28.0 4.3 34.2 42 4,685,000 110,047 10,707,572,396 150 13,702,626
2 70.7 6.6 68.0 116 10,156,045 102,456 10,014,074,643 164 14,944,814
3 71.0 6.4 85.5 125 13,546,032 94,539 9,142,306,787 176 15,847,698
4 73.6 6.4 78.7 133 12,894,492 83,653 8,141,572,447 181 16,378,909
5 73.2 6.6 67.6 123 10,234,597 67,425 6,575,138,053 168 15,146,359
6 65.1 6.8 68.3 91 8,614,485 49,036 4,809,080,813 140 12,610,299
7+ 77.8 5.3 80.0 214 20,773,034 70,802 7,170,867,095 275 25,976,342
Total 67.3 2.3 70.6 844 80,903,685 577,959 56,560,612,232 1,254 114,607,048

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.3     FEMALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 36.7 3.8 39.6 92 6,900,000 116,607 8,940,178,108 251 17,424,283
2 61.6 4.9 68.8 161 12,563,503 107,904 8,297,239,075 261 18,251,380
3 73.3 5.2 80.7 196 15,004,895 99,391 7,601,118,579 267 18,600,717
4 75.7 5.4 80.7 199 14,808,891 88,120 6,731,450,403 263 18,343,342
5 72.2 5.5 82.3 170 13,510,184 71,149 5,418,055,834 235 16,407,087
6 76.9 6.4 89.2 143 11,582,054 51,081 3,885,088,313 186 12,990,230
7+ 82.7 5.2 84.2 256 19,103,433 69,806 5,509,549,151 310 22,688,135
Total 68.6 2.0 75.0 1,217 93,472,960 604,057 46,382,679,464 1,773 124,705,174

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.4     LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 49.5 11.3 66.8 19 1,365,000 27,649 1,738,751,182 38 2,043,398
2 72.8 13.8 75.4 28 1,525,000 24,134 1,499,593,058 38 2,021,836
3 102.8 16.5 156.5 39 3,117,508 21,160 1,292,137,005 38 1,992,333
4 87.9 15.5 58.1 32 1,128,186 18,105 1,116,536,535 36 1,942,018
5 101.3 17.9 139.1 32 2,369,605 13,992 867,012,849 32 1,704,076
6 73.2 17.3 53.7 18 720,000 9,756 609,521,362 25 1,340,799
7+ 108.2 15.8 111.7 47 2,936,070 13,032 883,583,034 43 2,629,323
Total 85.7 5.8 96.3 215 13,161,369 127,827 8,007,135,025 251 13,673,782

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.5     MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 56.2 18.7 75.1 9 740,000 15,663 1,084,893,455 16 985,634
2 94.4 24.4 99.3 15 950,000 13,407 919,659,288 16 956,290
3 96.0 24.8 103.0 15 963,508 11,564 781,045,330 16 935,761
4 66.0 20.9 48.6 10 455,531 9,847 679,156,534 15 936,352
5 90.0 26.0 117.7 12 979,600 7,573 526,043,789 13 832,461
6 28.4 16.4 14.9 3 100,000 5,277 372,746,437 11 670,374
7+ 100.2 21.9 120.0 21 1,745,000 7,205 552,378,902 21 1,454,134
Total 79.0 8.6 87.6 85 5,933,639 70,534 4,915,923,734 108 6,771,005

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.6     FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 44.6 14.1 59.1 10 625,000 11,985 653,857,727 22 1,057,765
2 57.6 16.0 54.0 13 575,000 10,727 579,933,770 23 1,065,546
3 107.6 22.0 203.9 24 2,154,000 9,596 511,091,676 22 1,056,572
4 103.5 22.1 66.9 22 672,655 8,258 437,380,001 21 1,005,665
5 109.5 24.5 159.5 20 1,390,005 6,419 340,969,060 18 871,615
6 107.1 27.7 92.5 15 620,000 4,480 236,774,925 14 670,425
7+ 115.8 22.7 101.4 26 1,191,070 5,827 331,204,132 22 1,175,189
Total 90.7 8.0 104.7 130 7,227,730 57,293 3,091,211,291 143 6,902,777

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.7     LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 31.7 3.0 35.1 115 10,220,000 199,006 17,908,999,323 362 29,083,511
2 64.3 4.1 68.0 249 21,194,548 186,226 16,811,720,660 387 31,174,358
3 69.6 4.1 78.4 282 25,433,419 172,770 15,451,288,360 405 32,456,082
4 73.7 4.3 81.1 300 26,575,197 153,668 13,756,486,315 407 32,780,234
5 70.2 4.3 71.6 261 21,375,176 124,582 11,126,181,038 372 29,849,370
6 71.7 4.9 80.3 216 19,476,539 90,360 8,084,647,764 301 24,259,730
7+ 78.2 3.8 80.2 423 36,940,397 127,576 11,796,833,212 541 46,035,154
Total 66.5 1.5 71.4 1,846 161,215,276 1,054,189 94,936,156,672 2,776 225,638,439

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.8     MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 24.6 4.3 31.0 33 3,945,000 94,384 9,622,678,941 134 12,716,993
2 68.2 6.8 65.8 101 9,206,045 89,049 9,094,415,355 148 13,988,524
3 68.6 6.5 84.4 110 12,582,524 82,976 8,361,261,457 160 14,911,937
4 74.3 6.7 80.5 123 12,438,961 73,806 7,462,415,913 166 15,442,557
5 71.7 6.8 64.7 111 9,254,997 59,853 6,049,094,263 155 14,313,898
6 68.1 7.3 71.3 88 8,514,485 43,759 4,436,334,376 129 11,939,925
7+ 76.0 5.5 77.6 193 19,028,034 63,597 6,618,488,193 254 24,522,209
Total 66.2 2.4 69.5 759 74,970,046 507,424 51,644,688,498 1,146 107,836,043

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 6.9     FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 35.9 4.0 38.3 82 6,275,000 104,621 8,286,320,382 228 16,366,518
2 62.0 5.1 69.8 148 11,988,503 97,177 7,717,305,305 239 17,185,834
3 70.2 5.4 73.2 172 12,850,895 89,794 7,090,026,903 245 17,544,145
4 73.2 5.5 81.5 177 14,136,236 79,862 6,294,070,402 242 17,337,677
5 69.1 5.6 78.0 150 12,120,179 64,730 5,077,086,774 217 15,535,472
6 74.5 6.6 89.0 128 10,962,054 46,601 3,648,313,388 172 12,319,805
7+ 80.1 5.3 83.3 230 17,912,363 63,979 5,178,345,019 287 21,512,946
Total 66.7 2.0 73.2 1,087 86,245,230 546,764 43,291,468,174 1,630 117,802,397

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.1     STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 20.9 6.6 16.4 10 644,000 226,654 19,647,750,505 48 3,926,199
2 45.0 9.4 34.0 23 1,433,189 210,360 18,311,313,718 51 4,209,658
3 26.1 7.0 39.3 14 1,725,000 193,930 16,743,425,366 54 4,386,837
4 48.2 9.5 59.0 26 2,619,000 171,773 14,873,022,850 54 4,438,997
5 36.4 8.6 29.9 18 1,210,000 138,574 11,993,193,887 49 4,045,753
6 29.8 8.6 27.9 12 922,491 100,117 8,694,169,126 40 3,305,655
7+ 39.1 7.3 46.1 29 2,949,000 140,608 12,680,416,246 74 6,390,380
Total 35.7 3.1 37.5 132 11,502,680 1,182,016 102,943,291,697 370 30,703,479

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.2     MALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 9.1 18.8 6 470,000 110,047 10,707,572,396 27 2,496,370
2 37.7 11.4 29.7 11 805,000 102,456 10,014,074,643 29 2,707,267
3 32.3 10.2 40.9 10 1,165,000 94,539 9,142,306,787 31 2,847,512
4 47.7 12.3 66.2 15 1,924,000 83,653 8,141,572,447 31 2,905,659
5 38.1 11.5 25.8 11 685,000 67,425 6,575,138,053 29 2,656,282
6 29.5 11.1 30.8 7 675,000 49,036 4,809,080,813 24 2,188,317
7+ 44.1 9.9 56.5 20 2,454,000 70,802 7,170,867,095 45 4,345,667
Total 37.0 4.1 40.6 80 8,178,000 577,959 56,560,612,232 216 20,147,073

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.3     FEMALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 19.2 9.6 12.2 4 174,000 116,607 8,940,178,108 21 1,429,830
2 54.8 15.8 41.8 12 628,189 107,904 8,297,239,075 22 1,502,390
3 17.7 8.9 36.4 4 560,000 99,391 7,601,118,579 23 1,539,325
4 48.8 14.7 45.3 11 695,000 88,120 6,731,450,403 23 1,533,339
5 34.1 12.9 37.8 7 525,000 71,149 5,418,055,834 21 1,389,471
6 30.3 13.6 22.2 5 247,491 51,081 3,885,088,313 16 1,117,338
7+ 31.1 10.4 24.2 9 495,000 69,806 5,509,549,151 29 2,044,713
Total 33.8 4.7 31.5 52 3,324,680 604,057 46,382,679,464 154 10,556,406

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.4     STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 27,649 1,738,751,182 5 263,435
2 63.4 36.6 32.6 3 85,000 24,134 1,499,593,058 5 260,763
3 42.8 30.3 126.1 2 325,000 21,160 1,292,137,005 5 257,734
4 111.2 49.7 117.7 5 299,000 18,105 1,116,536,535 4 254,035
5 51.0 36.1 67.0 2 150,000 13,992 867,012,849 4 223,886
6 65.0 46.0 56.3 2 100,000 9,756 609,521,362 3 177,651
7+ 53.7 31.0 50.5 3 179,000 13,032 883,583,034 6 354,654
Total 54.5 13.2 63.5 17 1,138,000 127,827 8,007,135,025 31 1,792,158

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.5     MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 15,663 1,084,893,455 3 176,033
2 35.0 35.0 28.9 1 50,000 13,407 919,659,288 3 173,158
3 71.0 50.2 190.2 2 325,000 11,564 781,045,330 3 170,907
4 146.8 73.4 145.4 4 249,000 9,847 679,156,534 3 171,279
5 42.0 42.0 82.4 1 125,000 7,573 526,043,789 2 151,776
6 0.0 0.0 0.0 0 0 5,277 372,746,437 2 121,903
7+ 55.9 39.5 50.9 2 129,000 7,205 552,378,902 4 253,258
Total 52.4 16.6 72.1 10 878,000 70,534 4,915,923,734 19 1,218,315

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.6     FEMALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 11,985 653,857,727 2 87,402
2 106.8 75.5 40.0 2 35,000 10,727 579,933,770 2 87,605
3 0.0 0.0 0.0 0 0 9,596 511,091,676 2 86,826
4 56.4 56.4 60.4 1 50,000 8,258 437,380,001 2 82,756
5 65.0 65.0 34.7 1 25,000 6,419 340,969,060 2 72,109
6 167.3 118.3 179.4 2 100,000 4,480 236,774,925 1 55,748
7+ 49.8 49.8 49.3 1 50,000 5,827 331,204,132 2 101,396
Total 57.9 21.9 45.3 7 260,000 57,293 3,091,211,291 12 573,843

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.7     STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 7.3 17.6 10 644,000 199,006 17,908,999,323 43 3,662,764
2 43.2 9.6 34.1 20 1,348,189 186,226 16,811,720,660 46 3,948,895
3 24.5 7.1 33.9 12 1,400,000 172,770 15,451,288,360 49 4,129,104
4 42.5 9.3 55.4 21 2,320,000 153,668 13,756,486,315 49 4,184,962
5 35.2 8.8 27.7 16 1,060,000 124,582 11,126,181,038 45 3,821,867
6 26.9 8.5 26.3 10 822,491 90,360 8,084,647,764 37 3,128,004
7+ 37.9 7.4 45.9 26 2,770,000 127,576 11,796,833,212 69 6,035,726
Total 33.9 3.2 35.8 115 10,364,680 1,054,189 94,936,156,672 339 28,911,321

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.8     MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 10.2 20.3 6 470,000 94,384 9,622,678,941 24 2,320,336
2 38.0 12.0 29.8 10 755,000 89,049 9,094,415,355 26 2,534,110
3 28.4 10.0 31.4 8 840,000 82,976 8,361,261,457 28 2,676,604
4 38.3 11.6 61.3 11 1,675,000 73,806 7,462,415,913 29 2,734,379
5 37.7 11.9 22.4 10 560,000 59,853 6,049,094,263 26 2,504,506
6 32.0 12.1 32.7 7 675,000 43,759 4,436,334,376 22 2,066,414
7+ 43.1 10.2 56.8 18 2,325,000 63,597 6,618,488,193 42 4,092,409
Total 35.5 4.2 38.6 70 7,300,000 507,424 51,644,688,498 197 18,928,759

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 7.9     FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 21.1 10.5 13.0 4 174,000 104,621 8,286,320,382 19 1,342,428
2 49.9 15.8 41.9 10 593,189 97,177 7,717,305,305 20 1,414,785
3 19.3 9.6 38.6 4 560,000 89,794 7,090,026,903 21 1,452,499
4 48.2 15.2 44.5 10 645,000 79,862 6,294,070,402 21 1,450,583
5 31.6 12.9 38.0 6 500,000 64,730 5,077,086,774 19 1,317,362
6 19.6 11.3 13.9 3 147,491 46,601 3,648,313,388 15 1,061,590
7+ 29.7 10.5 22.9 8 445,000 63,979 5,178,345,019 27 1,943,317
Total 31.8 4.7 30.7 45 3,064,680 546,764 43,291,468,174 142 9,982,563

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.1     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 5.4 31.5 35 3,295,000 40,763 3,964,684,143 109 10,466,904
2 43.3 6.7 47.9 42 4,464,000 30,769 3,035,679,967 97 9,313,574
3 47.3 6.7 45.9 50 4,742,200 27,544 2,815,390,526 105 10,321,227
4 53.4 6.5 56.7 67 7,109,490 27,381 2,855,866,812 125 12,531,680
5 55.6 6.5 42.8 74 5,345,000 25,037 2,475,597,354 134 12,493,591
6 64.4 7.9 60.5 67 5,340,000 17,696 1,616,889,408 104 8,823,523
7+ 74.1 8.4 77.5 78 6,491,000 16,683 1,447,102,573 105 8,374,954
Total 53.0 2.6 50.9 413 36,786,690 185,873 18,211,210,783 780 72,325,453
By Issue Age
20-24 45.4 22.7 35.5 4 285,000 11,712 1,073,260,441 9 802,353
25-29 56.0 14.0 64.4 16 1,730,000 25,921 2,454,357,685 29 2,688,351
30-34 65.1 10.7 50.1 37 2,895,000 33,710 3,471,545,592 57 5,780,107
35-39 43.2 6.7 33.5 42 3,415,000 36,505 3,880,091,127 98 10,203,277
40-44 56.8 6.1 53.1 87 8,165,000 34,671 3,535,923,812 153 15,369,137
45-49 53.1 5.4 50.0 98 8,514,490 25,433 2,346,556,878 185 17,037,186
50-54 54.0 6.1 56.0 79 6,962,600 12,548 1,050,018,039 146 12,425,323
55-59 51.2 8.1 62.5 40 3,874,600 4,423 334,235,575 78 6,203,295
60+ 37.0 12.3 52.0 9 945,000 950 65,221,634 24 1,816,424
Total 53.0 2.6 50.9 413 36,786,690 185,873 18,211,210,783 780 72,325,453
By Attained Age
20-24 23.4 23.4 25.7 1 100,000 6,470 592,043,687 4 389,653
25-29 59.7 18.0 45.9 11 775,000 19,910 1,839,153,056 18 1,688,191
30-34 51.4 11.2 55.5 21 2,240,000 29,609 2,959,781,537 41 4,035,420
35-39 56.6 8.9 42.5 40 3,135,000 33,847 3,577,624,370 71 7,373,221
40-44 47.1 6.4 38.6 54 4,665,000 34,471 3,665,687,251 115 12,087,379
45-49 56.0 5.9 54.5 91 8,665,000 29,875 2,923,571,010 163 15,904,956
50-54 54.1 5.6 44.8 93 6,921,090 19,537 1,726,062,154 172 15,435,015
55-59 47.2 6.2 62.2 57 6,142,000 8,743 687,691,008 121 9,868,391
60-64 65.2 10.7 87.9 37 3,823,600 2,803 200,753,266 57 4,347,697
65+ 41.4 15.7 26.8 7 320,000 609 38,843,444 17 1,195,530
Total 53.0 2.6 50.9 413 36,786,690 185,873 18,211,210,783 780 72,325,453

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.2     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 21.2 10.5 18.8 4 320,000 7,583 696,524,739 19 1,705,812
2 40.0 12.0 35.0 11 860,000 9,115 862,895,169 28 2,454,057
3 46.5 12.4 55.6 14 1,420,000 8,838 804,795,987 30 2,555,860
4 41.4 11.1 34.4 14 1,000,000 8,903 817,236,208 34 2,903,310
5 67.2 12.1 64.8 31 2,935,000 10,170 1,031,033,592 46 4,526,437
6 46.8 9.2 43.6 26 2,560,750 10,183 1,097,109,150 56 5,879,956
7+ 73.1 9.4 76.3 60 6,935,000 13,255 1,456,951,012 82 9,089,945
Total 54.3 4.3 55.1 160 16,030,750 68,046 6,766,545,856 295 29,115,377
By Issue Age
20-24 62.0 43.9 80.1 2 225,000 4,139 362,229,457 3 280,791
25-29 53.0 21.6 69.3 6 730,000 9,822 911,480,403 11 1,053,234
30-34 60.4 16.1 39.6 14 970,000 12,903 1,360,685,986 23 2,451,771
35-39 59.9 12.2 55.9 24 2,385,000 14,042 1,502,264,631 40 4,269,008
40-44 67.3 10.5 75.4 41 4,865,750 12,646 1,321,606,225 61 6,451,076
45-49 51.1 8.8 54.4 34 3,415,000 8,400 766,975,967 67 6,282,279
50-54 43.1 8.8 32.2 24 1,745,000 4,430 402,196,076 56 5,413,290
55+ 44.9 11.6 58.2 15 1,695,000 1,664 139,107,112 33 2,913,927
Total 54.3 4.3 55.1 160 16,030,750 68,046 6,766,545,856 295 29,115,377
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,727 150,621,544 1 97,490
25-29 67.6 33.8 88.1 4 455,000 6,495 570,091,528 6 516,352
30-34 36.1 16.1 33.1 5 440,000 10,308 996,231,244 14 1,328,852
35-39 50.4 14.0 38.2 13 1,025,000 12,741 1,344,492,605 26 2,682,071
40-44 68.3 12.7 54.0 29 2,385,000 13,103 1,389,737,465 42 4,419,905
45-49 58.9 10.0 59.0 35 3,555,750 11,138 1,140,029,576 59 6,023,851
50-54 58.3 9.4 78.7 38 4,865,000 7,516 701,172,799 65 6,184,158
55-59 34.9 8.2 22.0 18 1,135,000 3,705 353,715,409 52 5,154,675
60+ 62.0 14.6 80.1 18 2,170,000 1,312 120,453,687 29 2,708,022
Total 54.3 4.3 55.1 160 16,030,750 68,046 6,766,545,856 295 29,115,377

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.3     TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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+ 53.7 1.5 56.7 1,366 113,414,236 460,768 40,292,459,340 2,543 200,022,726
Total 53.7 1.5 56.7 1,366 113,414,236 460,768 40,292,459,340 2,543 200,022,726
By Issue Age
20-54 54.2 1.7 57.5 1,052 93,380,359 431,382 38,505,252,638 1,941 162,477,867
55-59 55.2 3.8 57.1 212 14,604,688 21,286 1,366,293,140 385 25,560,696
60+ 47.0 4.6 45.3 102 5,429,189 8,101 420,913,561 217 11,984,163
Total 53.7 1.5 56.7 1,366 113,414,236 460,768 40,292,459,340 2,543 200,022,726
By Attained Age
20-54 54.0 1.9 57.4 808 73,737,054 399,447 36,135,935,823 1,496 128,474,891
55-59 50.0 3.1 54.0 264 20,928,244 38,416 2,747,189,404 529 38,774,657
60-64 62.4 4.3 62.1 212 13,792,476 16,792 1,065,189,960 340 22,215,787
65+ 45.8 5.1 46.9 82 4,956,462 6,114 344,144,153 179 10,557,391
Total 53.7 1.5 56.7 1,366 113,414,236 460,768 40,292,459,340 2,543 200,022,726

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.4     TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-6 55.0 3.0 61.2 327 25,058,679 183,254 13,062,075,022 594 40,936,577
7+ 59.2 8.1 61.0 53 3,622,500 16,734 1,099,016,209 90 5,935,126
Total 55.6 2.9 61.2 380 28,681,179 199,988 14,161,091,231 684 46,871,702
By Issue Age
20-54 57.2 3.2 63.1 324 25,355,912 193,483 13,798,680,183 567 40,169,292
55-59 47.7 7.4 49.8 42 2,486,367 5,217 293,599,203 87 4,990,701
60-64 49.8 13.8 52.1 13 778,900 1,164 61,395,144 26 1,494,633
65+ 30.4 30.4 27.6 1 60,000 124 7,416,700 3 217,077
Total 55.6 2.9 61.2 380 28,681,179 199,988 14,161,091,231 684 46,871,702
By Attained Age
20-59 56.0 3.0 60.8 340 25,905,612 196,291 13,965,733,276 606 42,583,863
60-64 47.9 8.9 55.8 29 1,841,667 3,072 160,355,797 61 3,302,317
65+ 66.4 20.0 94.8 11 933,900 625 35,002,158 17 985,522
Total 55.6 2.9 61.2 380 28,681,179 199,988 14,161,091,231 684 46,871,702

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.5     MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 35.2 8.3 36.6 18 2,110,000 19,600 2,189,691,760 51 5,766,346
2 42.5 9.5 33.4 20 1,754,000 15,101 1,696,493,650 47 5,253,672
3 45.5 9.3 45.7 24 2,760,600 13,662 1,578,897,061 53 6,035,899
4 46.9 8.6 52.4 30 3,890,000 13,288 1,584,139,346 64 7,417,891
5 44.8 8.2 30.8 30 2,255,000 11,735 1,346,961,074 67 7,326,925
6 54.0 10.2 58.5 28 2,945,000 8,107 854,504,209 52 5,037,731
7+ 56.0 10.6 70.8 28 3,226,000 7,344 727,467,794 50 4,555,849
Total 46.4 3.5 45.8 178 18,940,600 88,838 9,978,154,894 384 41,394,313
By Issue Age
20-24 104.1 52.1 76.2 4 285,000 5,638 548,864,825 4 374,206
25-29 52.8 21.6 52.0 6 615,000 11,932 1,233,227,161 11 1,181,835
30-34 47.1 14.2 42.9 11 1,175,000 16,163 1,883,101,532 23 2,738,361
35-39 31.3 8.7 21.4 13 1,080,000 17,569 2,133,392,998 42 5,042,903
40-44 48.8 8.2 41.4 35 3,480,000 16,894 2,003,068,572 72 8,405,102
45-49 42.5 6.7 42.5 40 4,328,000 12,254 1,347,900,867 94 10,194,878
50-54 48.0 7.7 48.6 39 3,877,600 6,035 599,670,500 81 7,977,277
55-59 57.2 11.4 78.5 25 3,275,000 1,966 189,658,755 44 4,173,327
60-64 43.2 19.3 67.2 5 825,000 357 37,389,682 12 1,228,429
65+ 0.0 0.0 0.0 0 0 29 1,880,000 1 77,995
Total 46.4 3.5 45.8 178 18,940,600 88,838 9,978,154,894 384 41,394,313
By Attained Age
20-24 50.7 50.7 52.5 1 100,000 3,189 307,890,545 2 190,509
25-29 93.4 35.3 60.1 7 450,000 9,234 922,110,838 7 749,050
30-34 35.8 14.6 43.5 6 825,000 14,095 1,582,577,725 17 1,896,132
35-39 41.0 11.8 31.7 12 1,115,000 16,241 1,942,393,192 29 3,514,649
40-44 36.8 8.4 28.6 19 1,810,000 16,834 2,059,828,287 52 6,319,311
45-49 50.8 8.0 44.9 40 4,083,000 14,446 1,669,935,572 79 9,085,658
50-54 44.3 7.0 41.2 40 3,876,600 9,318 971,296,289 91 9,400,600
55-59 42.2 8.0 51.5 28 3,281,000 3,976 382,685,866 66 6,373,661
60-64 64.4 14.1 105.4 21 3,150,000 1,269 115,236,001 33 2,988,859
65+ 46.6 23.3 28.5 4 250,000 235 24,200,580 9 875,883
Total 46.4 3.5 45.8 178 18,940,600 88,838 9,978,154,894 384 41,394,313

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.6     MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 11.2 11.2 22.9 1 200,000 3,619 360,738,314 9 874,901
2 38.1 17.0 34.0 5 445,000 4,433 461,732,059 13 1,308,202
3 13.8 9.7 14.7 2 200,000 4,312 429,228,381 15 1,357,945
4 29.6 13.2 22.2 5 355,000 4,409 439,145,571 17 1,599,944
5 56.2 15.0 54.6 14 1,525,000 5,258 598,778,536 25 2,790,589
6 21.4 8.1 17.8 7 700,000 5,512 676,945,336 33 3,932,816
7+ 52.5 10.3 65.0 26 4,030,000 7,164 894,548,007 50 6,196,503
Total 37.4 4.8 41.3 60 7,455,000 34,707 3,861,116,205 161 18,060,899
By Issue Age
20-24 69.4 69.4 75.3 1 100,000 2,048 188,968,450 1 132,844
25-29 41.5 29.3 59.9 2 280,000 4,803 460,754,178 5 467,100
30-34 29.8 17.2 21.6 3 250,000 6,513 737,698,375 10 1,157,612
35-39 52.6 16.6 47.4 10 1,100,000 7,332 883,510,369 19 2,320,026
40-44 31.8 10.0 50.8 10 2,000,000 6,562 805,323,211 31 3,938,162
45-49 38.5 10.3 44.6 14 1,770,000 4,194 442,926,357 36 3,965,835
50-54 31.9 9.6 19.7 11 755,000 2,314 248,586,660 34 3,836,719
55+ 39.3 13.1 53.5 9 1,200,000 941 93,348,606 23 2,242,601
Total 37.4 4.8 41.3 60 7,455,000 34,707 3,861,116,205 161 18,060,899
By Attained Age
20-24 0.0 0.0 0.0 0 0 836 77,128,645 1 46,954
25-29 80.2 56.7 124.3 2 280,000 3,129 282,955,748 2 225,281
30-34 33.7 23.8 32.9 2 200,000 5,126 524,001,679 6 608,621
35-39 17.6 12.5 11.1 2 145,000 6,517 749,859,957 11 1,304,001
40-44 50.0 15.8 32.5 10 780,000 6,768 813,764,091 20 2,398,304
45-49 19.9 8.1 23.1 6 825,000 5,676 679,695,383 30 3,573,034
50-54 54.0 12.1 83.1 20 3,345,000 3,901 423,776,687 37 4,026,403
55-59 24.8 8.8 15.3 8 580,000 1,965 228,951,538 32 3,778,721
60+ 48.1 15.2 61.9 10 1,300,000 789 80,982,476 21 2,099,582
Total 37.4 4.8 41.3 60 7,455,000 34,707 3,861,116,205 161 18,060,899

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.7     MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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+ 55.1 2.0 55.5 747 65,421,034 227,014 21,917,007,969 1,355 117,927,821
Total 55.1 2.0 55.5 747 65,421,034 227,014 21,917,007,969 1,355 117,927,821
By Issue Age
20-39 51.4 5.1 48.7 102 10,192,480 113,687 11,766,925,491 199 20,938,121
40-44 58.6 5.4 63.1 117 12,757,386 43,329 4,342,960,364 200 20,219,256
45-49 53.7 4.4 51.9 150 13,199,032 33,801 3,020,592,686 280 25,421,781
50-54 55.2 4.2 60.2 174 15,415,713 21,986 1,766,045,757 316 25,624,201
55-59 60.3 5.1 57.6 140 9,905,315 10,434 771,251,404 233 17,208,158
60+ 49.0 6.2 46.4 63 3,951,108 3,776 249,232,267 129 8,516,304
Total 55.1 2.0 55.5 747 65,421,034 227,014 21,917,007,969 1,355 117,927,821
By Attained Age
20-49 52.3 3.4 51.2 235 23,000,874 167,680 16,945,684,190 450 44,898,502
50-54 50.6 4.2 54.7 142 13,500,672 29,442 2,600,610,042 281 24,692,207
55-59 56.7 4.3 58.3 174 14,835,315 18,658 1,550,205,298 307 25,438,986
60+ 61.6 4.4 61.5 195 14,084,173 11,235 820,508,439 317 22,898,126
Total 55.1 2.0 55.5 747 65,421,034 227,014 21,917,007,969 1,355 117,927,821

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.8     MALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-5 52.6 4.4 59.5 140 12,738,362 82,114 6,610,244,846 266 21,414,013
6+ 44.7 7.4 53.7 36 3,035,167 15,978 1,114,735,182 81 5,650,201
Total 50.8 3.8 58.3 176 15,773,529 98,093 7,724,980,028 346 27,064,215
By Issue Age
20-54 51.3 4.3 61.0 143 13,702,162 95,039 7,511,177,116 279 22,454,286
55-59 52.2 10.1 45.9 26 1,566,367 2,501 173,629,321 51 3,412,973
60+ 36.9 15.1 42.2 6 505,000 552 40,173,591 16 1,196,955
Total 50.8 3.8 58.3 176 15,773,529 98,093 7,724,980,028 346 27,064,215
By Attained Age
20-54 51.7 4.6 63.8 124 12,652,162 92,641 7,347,742,928 241 19,823,634
55-59 44.9 8.6 32.6 28 1,414,700 3,751 268,121,122 61 4,344,028
60+ 53.9 11.0 58.9 24 1,706,667 1,701 109,115,978 45 2,896,552
Total 50.8 3.8 58.3 176 15,773,529 98,093 7,724,980,028 346 27,064,215

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.9     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 29.3 7.1 25.2 17 1,185,000 21,163 1,774,992,383 58 4,700,558
2 44.1 9.4 66.8 22 2,710,000 15,667 1,339,186,317 50 4,059,902
3 49.1 9.8 46.2 25 1,981,600 13,882 1,236,493,465 52 4,285,328
4 60.1 9.9 63.0 37 3,219,490 14,093 1,271,727,466 62 5,113,789
5 66.4 10.0 59.8 44 3,090,000 13,302 1,128,636,281 67 5,166,666
6 74.7 12.0 63.3 39 2,395,000 9,589 762,385,199 52 3,785,792
7+ 90.5 12.8 85.5 50 3,265,000 9,339 719,634,779 55 3,819,106
Total 59.3 3.9 57.7 235 17,846,090 97,036 8,233,055,890 395 30,931,140
By Issue Age
20-24 0.0 0.0 0.0 0 0 6,074 524,395,616 5 428,148
25-29 58.1 18.4 74.0 10 1,115,000 13,989 1,221,130,524 17 1,506,516
30-34 77.8 15.3 56.5 26 1,720,000 17,547 1,588,444,060 33 3,041,746
35-39 52.1 9.6 45.2 29 2,335,000 18,936 1,746,698,129 56 5,160,374
40-44 63.9 8.9 67.3 52 4,685,000 17,776 1,532,855,240 81 6,964,034
45-49 64.0 8.4 61.2 58 4,186,490 13,179 998,656,011 91 6,842,308
50-54 61.5 9.7 69.4 40 3,085,000 6,512 450,347,539 65 4,448,046
55-59 43.7 11.2 29.5 15 599,600 2,457 144,576,820 35 2,029,967
60+ 34.8 17.4 23.5 4 120,000 564 25,951,952 12 510,000
Total 59.3 3.9 57.7 235 17,846,090 97,036 8,233,055,890 395 30,931,140
By Attained Age
20-24 0.0 0.0 0.0 0 0 3,281 284,153,142 2 199,144
25-29 36.6 18.3 34.6 4 325,000 10,676 917,042,218 11 939,141
30-34 62.3 16.1 66.1 15 1,415,000 15,514 1,377,203,812 24 2,139,288
35-39 67.6 12.8 52.4 28 2,020,000 17,606 1,635,231,177 41 3,858,572
40-44 55.4 9.3 49.5 35 2,855,000 17,637 1,605,858,965 64 5,768,068
45-49 60.8 8.5 67.2 51 4,582,000 15,429 1,253,635,438 84 6,819,298
50-54 64.9 8.9 50.5 53 3,044,490 10,218 754,765,866 82 6,034,415
55-59 53.2 9.9 81.9 29 2,861,000 4,767 305,005,143 55 3,494,730
60+ 58.6 13.4 44.3 19 743,600 1,908 100,160,130 33 1,678,484
Total 59.3 3.9 57.7 235 17,846,090 97,036 8,233,055,890 395 30,931,140

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.10     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 29.6 16.8 14.4 3 120,000 3,963 335,786,424 10 830,911
2 41.7 17.0 36.2 6 415,000 4,682 401,163,110 14 1,145,856
3 77.0 22.2 101.8 12 1,220,000 4,526 375,567,606 16 1,197,915
4 53.1 17.7 49.5 9 645,000 4,493 378,090,637 17 1,303,366
5 80.1 19.4 81.2 17 1,410,000 4,912 432,255,055 21 1,735,848
6 83.2 19.1 95.6 19 1,860,750 4,671 420,163,814 23 1,947,140
7+ 104.4 17.9 100.4 34 2,905,000 6,092 562,403,005 33 2,893,443
Total 74.7 7.5 77.6 100 8,575,750 33,339 2,905,429,652 134 11,054,477
By Issue Age
20-24 56.0 56.0 84.5 1 125,000 2,091 173,261,007 2 147,947
25-29 61.5 30.7 76.8 4 450,000 5,019 450,726,225 7 586,134
30-34 84.0 25.3 55.6 11 720,000 6,390 622,987,612 13 1,294,159
35-39 66.4 17.7 65.9 14 1,285,000 6,710 618,754,262 21 1,948,982
40-44 105.3 18.9 114.0 31 2,865,750 6,084 516,283,014 29 2,512,914
45-49 66.4 14.8 71.0 20 1,645,000 4,207 324,049,610 30 2,316,444
50-54 60.9 16.8 62.8 13 990,000 2,116 153,609,416 22 1,576,571
55-59 56.9 25.5 80.1 5 470,000 632 41,318,810 9 586,954
60+ 58.5 58.5 29.6 1 25,000 91 4,439,697 2 84,371
Total 74.7 7.5 77.6 100 8,575,750 33,339 2,905,429,652 134 11,054,477
By Attained Age
20-24 0.0 0.0 0.0 0 0 890 73,492,900 1 50,537
25-29 58.5 41.4 60.1 2 175,000 3,366 287,135,780 3 291,071
30-34 37.9 21.9 33.3 3 240,000 5,182 472,229,566 8 720,231
35-39 76.0 22.9 63.9 11 880,000 6,224 594,632,648 14 1,378,070
40-44 84.6 19.4 79.4 19 1,605,000 6,336 575,973,374 22 2,021,601
45-49 99.1 18.4 111.4 29 2,730,750 5,462 460,334,192 29 2,450,817
50-54 63.8 15.0 70.4 18 1,520,000 3,615 277,396,112 28 2,157,756
55-59 51.7 16.4 40.3 10 555,000 1,740 124,763,870 19 1,375,954
60+ 97.4 34.4 143.0 8 870,000 523 39,471,211 8 608,439
Total 74.7 7.5 77.6 100 8,575,750 33,339 2,905,429,652 134 11,054,477

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.11     FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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+ 52.1 2.1 58.5 620 47,993,202 233,754 18,375,451,371 1,189 82,094,905
Total 52.1 2.1 58.5 620 47,993,202 233,754 18,375,451,371 1,189 82,094,905
By Issue Age
20-59 52.8 2.2 59.2 580 46,515,121 229,430 18,203,770,076 1,100 78,627,046
60+ 44.0 7.0 42.6 39 1,478,081 4,324 171,681,294 89 3,467,859
Total 52.1 2.1 58.5 620 47,993,202 233,754 18,375,451,371 1,189 82,094,905
By Attained Age
20-65+ 52.1 2.1 58.5 620 47,993,202 233,754 18,375,451,371 1,189 82,094,905
Total 52.1 2.1 58.5 620 47,993,202 233,754 18,375,451,371 1,189 82,094,905

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 8.12     FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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+ 60.5 4.2 65.2 204 12,907,650 101,895 6,436,111,203 337 19,807,488
Total 60.5 4.2 65.2 204 12,907,650 101,895 6,436,111,203 337 19,807,488
By Issue Age
20-64 60.5 4.2 65.1 203 12,847,650 101,814 6,432,391,781 335 19,726,400
65+ 56.5 56.5 74.0 1 60,000 82 3,719,422 2 81,088
Total 60.5 4.2 65.2 204 12,907,650 101,895 6,436,111,203 337 19,807,488
By Attained Age
20-65+ 60.5 4.2 65.2 204 12,907,650 101,895 6,436,111,203 337 19,807,488
Total 60.5 4.2 65.2 204 12,907,650 101,895 6,436,111,203 337 19,807,488

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 9.1     TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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
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
Total 53.7 1.0 56.8 2,898 250,508,625 1,182,960 102,952,834,990 5,392 441,389,166

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 9.2     MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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
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
Total 51.8 1.4 53.6 1,446 138,898,307 578,484 56,566,550,853 2,791 259,045,383

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 9.3     FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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
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
Total 55.8 1.5 61.2 1,452 111,610,318 604,475 46,386,284,137 2,601 182,343,782

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.1     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 49.3 2.4 53.5 413 25,947,022 320,555 21,483,262,889 837 48,527,601
5 56.2 6.0 60.8 87 5,186,527 47,694 2,999,438,817 155 8,531,806
6 62.5 7.3 58.6 73 3,731,000 32,311 1,997,031,022 117 6,370,743
7+ 58.7 6.1 67.8 93 6,043,823 34,684 2,153,200,898 159 8,910,036
Total 52.6 2.0 56.5 666 40,908,372 435,245 28,632,933,626 1,267 72,340,186
By Issue Age
20-44 54.1 2.7 55.3 405 27,375,009 376,193 25,949,654,432 749 49,546,017
45-49 55.0 4.5 63.1 149 8,213,913 39,093 1,888,159,546 271 13,008,286
50+ 45.3 4.3 54.4 112 5,319,450 19,958 795,119,647 246 9,785,883
Total 52.6 2.0 56.5 666 40,908,372 435,245 28,632,933,626 1,267 72,340,186
By Attained Age
20-49 53.8 2.5 56.3 466 31,128,109 397,170 26,991,479,521 866 55,293,181
50-54 50.2 4.7 52.0 114 5,359,913 26,562 1,199,504,009 228 10,308,085
55-59 54.1 6.7 72.1 65 3,481,750 8,914 353,687,474 121 4,831,676
60+ 38.3 8.5 49.2 20 938,600 2,598 88,262,622 53 1,907,243
Total 52.6 2.0 56.5 666 40,908,372 435,245 28,632,933,626 1,267 72,340,186

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.2     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 32.0 5.2 31.9 38 3,878,500 24,703 2,952,525,894 119 12,143,725
2 41.9 6.1 36.7 47 4,319,000 20,437 2,530,622,966 113 11,772,813
3 50.6 6.7 89.2 56 9,987,344 17,926 2,179,984,502 111 11,198,361
4 60.3 7.6 70.4 63 6,830,000 15,573 1,795,492,100 105 9,696,059
5 57.1 7.7 62.4 55 5,120,000 13,107 1,418,579,882 96 8,198,874
6 40.5 7.3 39.8 31 2,347,491 9,147 910,840,935 77 5,893,773
7+ 63.2 6.4 60.3 98 6,951,197 15,222 1,399,532,786 155 11,534,694
Total 50.1 2.5 56.0 389 39,433,532 116,114 13,187,579,064 776 70,438,299
By Issue Age
20-24 171.6 76.8 116.1 5 385,000 3,803 432,889,099 3 331,623
25-29 79.3 28.0 94.0 8 1,140,000 9,073 1,094,742,774 10 1,212,980
30-34 47.9 14.4 40.9 11 1,250,000 13,534 1,830,821,459 23 3,056,972
35-39 56.2 11.0 77.2 26 4,925,000 17,227 2,450,680,869 46 6,379,075
40-44 57.7 7.8 54.3 55 6,791,854 21,244 2,905,845,189 95 12,508,875
45-49 53.8 6.0 57.4 81 9,463,481 20,558 2,318,152,007 151 16,480,701
50-54 46.2 4.6 43.4 102 7,238,697 18,805 1,435,740,143 221 16,686,031
55-59 47.7 5.5 56.3 74 5,634,500 9,012 572,106,724 156 10,000,619
60-64 39.0 8.1 74.1 23 2,435,000 2,496 131,587,198 59 3,286,437
65+ 26.5 15.3 34.3 3 170,000 361 15,013,602 11 494,985
Total 50.1 2.5 56.0 389 39,433,532 116,114 13,187,579,064 776 70,438,299
By Attained Age
20-24 72.9 72.9 65.7 1 100,000 2,055 227,697,963 1 152,255
25-29 129.9 45.9 145.9 8 1,025,000 6,615 762,863,026 6 702,682
30-34 72.0 21.7 53.1 11 1,050,000 11,160 1,463,274,847 15 1,976,911
35-39 29.4 9.8 36.3 9 1,550,000 14,901 2,121,791,376 31 4,275,621
40-44 60.8 9.9 74.9 38 6,756,854 18,828 2,757,163,372 62 9,018,409
45-49 58.5 7.3 56.7 65 7,925,990 20,371 2,576,963,973 111 13,976,590
50-54 47.5 5.2 48.6 82 7,920,991 19,538 1,830,369,246 173 16,312,338
55-59 41.6 4.5 43.1 84 6,230,697 14,650 1,018,616,433 202 14,451,838
60-64 54.5 6.6 74.2 68 5,473,000 6,238 351,476,412 125 7,375,132
65+ 45.8 9.8 63.8 22 1,401,000 1,758 77,362,417 48 2,196,522
Total 50.1 2.5 56.0 389 39,433,532 116,114 13,187,579,064 776 70,438,299

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.3     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-5 49.6 3.3 50.5 222 13,870,462 173,909 12,281,450,347 448 27,445,443
6 48.5 9.5 42.3 26 1,311,000 15,084 995,310,354 54 3,095,776
7+ 56.7 8.5 69.7 44 3,275,000 16,477 1,105,395,513 78 4,699,907
Total 50.5 3.0 52.4 292 18,456,462 205,470 14,382,156,214 580 35,241,126
By Issue Age
20-49 53.0 3.4 54.6 240 16,143,612 196,798 13,988,271,972 453 29,572,952
50-54 48.9 8.0 47.0 37 1,696,600 6,292 300,005,352 76 3,610,535
55+ 29.7 7.6 29.9 15 616,250 2,380 93,878,889 51 2,057,639
Total 50.5 3.0 52.4 292 18,456,462 205,470 14,382,156,214 580 35,241,126
By Attained Age
20-49 52.3 3.7 53.5 196 13,701,112 188,491 13,563,462,605 375 25,593,351
50-54 52.8 6.8 55.4 60 3,119,100 12,092 600,658,028 114 5,626,697
55-59 43.0 8.3 41.9 27 1,191,250 3,834 175,162,706 63 2,840,260
60+ 32.6 10.9 37.7 9 445,000 1,053 42,872,875 28 1,180,818
Total 50.5 3.0 52.4 292 18,456,462 205,470 14,382,156,214 580 35,241,126

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.4     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 23.8 6.1 26.4 15 2,001,000 12,696 1,803,946,247 63 7,588,150
2 39.8 8.1 32.0 24 2,374,000 10,703 1,560,170,577 61 7,429,367
3 56.4 9.7 104.8 34 7,341,854 9,335 1,328,045,863 60 7,003,055
4 64.8 10.6 70.3 37 4,240,000 8,091 1,082,597,176 57 6,030,174
5 57.0 10.4 62.8 30 3,190,000 6,738 846,907,230 53 5,083,457
6 26.0 7.9 19.6 11 715,000 4,690 540,102,412 42 3,649,290
7+ 61.5 8.3 58.9 55 4,336,500 7,961 829,687,132 89 7,366,333
Total 48.4 3.4 54.8 206 24,198,354 60,215 7,991,456,637 426 44,149,826
By Issue Age
20-24 156.0 110.3 128.2 2 200,000 1,836 222,655,367 1 155,955
25-29 112.8 50.5 152.4 5 900,000 4,513 598,794,537 4 590,683
30-34 36.7 18.3 24.0 4 400,000 7,288 1,115,175,741 11 1,668,705
35-39 51.1 14.7 90.2 12 3,330,000 9,607 1,547,005,832 24 3,690,980
40-44 46.5 9.5 48.6 24 3,831,854 11,813 1,886,092,267 52 7,884,070
45-49 46.9 7.5 44.8 39 4,631,500 10,728 1,404,929,856 83 10,344,958
50-54 49.1 6.3 42.5 61 4,511,500 9,095 811,785,677 125 10,621,101
55-59 49.6 7.5 62.8 44 4,143,500 4,157 320,162,974 89 6,600,324
60-64 45.0 12.0 95.3 14 2,150,000 1,022 76,255,350 31 2,255,940
65+ 16.0 16.0 29.7 1 100,000 156 8,599,035 6 337,110
Total 48.4 3.4 54.8 206 24,198,354 60,215 7,991,456,637 426 44,149,826
By Attained Age
20-24 0.0 0.0 0.0 0 0 961 115,211,739 1 72,860
25-29 191.1 85.5 256.3 5 850,000 3,194 403,850,554 3 331,580
30-34 42.8 24.7 34.0 3 350,000 5,841 856,594,257 7 1,030,644
35-39 27.3 13.7 29.2 4 700,000 8,147 1,330,172,527 15 2,397,882
40-44 70.3 14.7 96.8 23 5,321,854 10,640 1,783,351,733 33 5,497,561
45-49 41.1 8.2 36.4 25 3,221,500 11,178 1,635,993,467 61 8,840,189
50-54 40.4 6.5 40.1 38 4,056,000 9,682 1,053,702,765 94 10,121,806
55-59 48.8 6.5 46.1 56 4,325,000 6,974 570,604,048 115 9,383,825
60-64 51.1 8.4 81.8 37 4,153,000 2,875 202,234,366 72 5,074,444
65+ 58.3 15.1 87.3 15 1,221,000 723 39,741,181 26 1,399,034
Total 48.4 3.4 54.8 206 24,198,354 60,215 7,991,456,637 426 44,149,826

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.5     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 49.8 3.3 56.7 228 14,271,560 168,973 10,691,228,786 459 25,155,678
5 58.0 8.3 67.1 49 2,991,527 25,367 1,510,022,573 85 4,458,286
6 74.5 10.9 73.9 47 2,420,000 17,227 1,001,720,668 63 3,274,967
7+ 60.6 8.7 65.8 49 2,768,823 18,207 1,047,805,385 81 4,210,128
Total 54.3 2.8 60.5 374 22,451,910 229,774 14,250,777,412 688 37,099,060
By Issue Age
20-44 55.8 3.6 58.4 239 15,670,397 197,437 12,914,127,112 429 26,842,649
45-49 53.9 6.2 61.5 75 3,774,913 21,051 935,414,894 139 6,138,701
50+ 49.6 6.4 73.0 59 3,006,600 11,286 401,235,406 120 4,117,709
Total 54.3 2.8 60.5 374 22,451,910 229,774 14,250,777,412 688 37,099,060
By Attained Age
20-49 55.0 3.3 58.7 270 17,426,997 208,679 13,428,016,917 492 29,699,830
50-54 47.6 6.5 47.9 54 2,240,813 14,469 598,845,981 114 4,681,388
55+ 59.7 8.5 102.4 49 2,784,100 6,626 223,914,515 82 2,717,842
Total 54.3 2.8 60.5 374 22,451,910 229,774 14,250,777,412 688 37,099,060

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.6     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 41.3 8.6 41.2 23 1,877,500 12,007 1,148,579,647 56 4,555,575
2 44.5 9.3 44.8 23 1,945,000 9,733 970,452,389 52 4,343,446
3 43.7 9.2 63.1 22 2,645,490 8,590 851,938,639 51 4,195,306
4 54.8 10.8 70.7 26 2,590,000 7,483 712,894,924 47 3,665,885
5 57.3 11.5 61.9 25 1,930,000 6,368 571,672,652 44 3,115,417
6 58.2 13.0 72.7 20 1,632,491 4,458 370,738,522 34 2,244,483
7+ 65.4 10.0 62.7 43 2,614,697 7,261 569,845,654 66 4,168,361
Total 52.1 3.9 58.0 182 15,235,178 55,899 5,196,122,427 350 26,288,473
By Issue Age
20-24 184.0 106.2 105.3 3 185,000 1,968 210,233,732 2 175,668
25-29 53.0 30.6 38.6 3 240,000 4,560 495,948,237 6 622,297
30-34 58.1 21.9 61.2 7 850,000 6,246 715,645,717 12 1,388,268
35-39 61.4 16.4 59.3 14 1,595,000 7,620 903,675,037 23 2,688,096
40-44 70.9 12.7 64.0 31 2,960,000 9,431 1,019,752,922 44 4,624,806
45-49 62.3 9.6 78.8 42 4,831,981 9,830 913,222,151 68 6,135,742
50-54 42.5 6.6 45.0 41 2,727,197 9,710 623,954,466 97 6,064,930
55-59 45.1 8.2 43.8 30 1,491,000 4,855 251,943,750 67 3,400,295
60-64 32.3 10.8 27.7 9 285,000 1,475 55,331,848 28 1,030,497
65+ 39.5 27.9 44.3 2 70,000 205 6,414,566 5 157,874
Total 52.1 3.9 58.0 182 15,235,178 55,899 5,196,122,427 350 26,288,473
By Attained Age
20-24 129.9 129.9 126.0 1 100,000 1,094 112,486,224 1 79,395
25-29 84.7 48.9 47.2 3 175,000 3,421 359,012,472 4 371,102
30-34 96.6 34.2 74.0 8 700,000 5,319 606,680,590 8 946,267
35-39 31.3 14.0 45.3 5 850,000 6,754 791,618,849 16 1,877,739
40-44 50.4 13.0 40.8 15 1,435,000 8,188 973,811,638 30 3,520,848
45-49 79.5 12.6 91.6 40 4,704,490 9,192 940,970,505 50 5,136,401
50-54 55.9 8.4 62.4 44 3,864,991 9,856 776,666,481 79 6,190,532
55-59 32.2 6.1 37.6 28 1,905,697 7,677 448,012,385 87 5,068,013
60-64 59.0 10.6 57.4 31 1,320,000 3,363 149,242,046 53 2,300,688
65+ 31.4 11.9 22.6 7 180,000 1,035 37,621,236 22 797,488
Total 52.1 3.9 58.0 182 15,235,178 55,899 5,196,122,427 350 26,288,473

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.7     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 72.3 8.3 81.0 76 3,812,870 46,814 2,528,560,577 106 4,707,004
5 63.1 19.0 107.7 11 785,000 6,282 309,837,721 17 728,790
6 94.5 27.3 67.1 12 360,000 4,089 195,957,448 13 536,596
7+ 64.4 19.4 66.5 11 480,000 4,287 201,037,278 17 721,860
Total 72.2 6.9 81.2 110 5,437,870 61,471 3,235,393,024 153 6,694,250
By Issue Age
20-44 75.8 8.7 76.7 75 3,874,870 54,874 3,030,321,689 99 5,053,803
45-49 74.9 15.2 123.8 24 1,293,000 4,734 154,397,538 32 1,044,685
50+ 51.6 15.5 45.3 11 270,000 1,863 50,673,798 22 595,761
Total 72.2 6.9 81.2 110 5,437,870 61,471 3,235,393,024 153 6,694,250
By Attained Age
20-49 77.3 8.2 85.9 88 4,757,870 57,574 3,119,181,844 114 5,537,912
50-54 49.9 13.8 60.8 13 485,000 3,046 93,043,278 26 798,110
55-59 77.1 29.0 62.2 7 160,000 678 18,375,708 9 257,077
60-64 63.3 44.8 37.8 2 35,000 160 4,432,057 3 92,646
65+ 0.0 0.0 0.0 0 0 13 360,137 0 8,505
Total 72.2 6.9 81.2 110 5,437,870 61,471 3,235,393,024 153 6,694,250

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.8     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 53.3 26.3 142.0 4 866,000 1,874 179,678,218 8 609,821
2 69.2 31.0 55.9 5 325,000 1,510 148,533,844 7 581,056
3 81.2 33.1 74.7 6 410,000 1,311 123,817,245 7 549,204
4 58.8 29.4 36.1 4 170,000 1,114 102,076,352 7 470,964
5 127.6 45.1 164.4 8 640,000 911 78,282,984 6 389,328
6 87.4 43.7 81.0 4 210,000 617 48,976,391 5 259,149
7+ 79.2 32.3 52.5 6 220,000 889 69,020,255 8 419,075
Total 78.0 12.8 86.7 37 2,841,000 8,227 750,385,289 48 3,278,597
By Issue Age
20-24 0.0 0.0 0.0 0 0 440 44,253,270 0 34,282
25-29 223.4 157.9 143.4 2 140,000 833 91,879,248 1 97,619
30-34 0.0 0.0 0.0 0 0 1,095 117,559,049 2 187,045
35-39 60.9 43.1 58.4 2 200,000 1,261 132,423,048 3 342,692
40-44 76.5 34.2 99.5 5 675,000 1,478 161,282,909 7 678,201
45-49 100.4 33.5 133.3 9 1,100,000 1,267 119,428,635 9 825,504
50-54 51.4 19.3 43.2 7 271,000 1,206 56,832,473 14 627,954
55-59 95.0 33.6 88.5 8 330,000 501 22,294,604 8 372,697
60+ 112.7 56.3 111.0 4 125,000 144 4,432,052 4 112,603
Total 78.0 12.8 86.7 37 2,841,000 8,227 750,385,289 48 3,278,597
By Attained Age
20-24 0.0 0.0 0.0 0 0 231 21,267,634 0 14,127
25-29 163.0 163.0 135.8 1 90,000 682 75,270,650 1 66,251
30-34 78.9 78.9 36.9 1 50,000 959 102,518,183 1 135,380
35-39 0.0 0.0 0.0 0 0 1,117 118,979,659 2 233,241
40-44 90.8 45.4 101.1 4 500,000 1,353 152,818,853 4 494,554
45-49 119.2 39.7 165.9 9 1,300,000 1,391 145,706,309 8 783,713
50-54 36.2 17.9 25.0 4 186,000 1,262 83,625,091 11 743,747
55-59 68.3 24.1 77.4 8 410,000 845 37,520,006 12 530,016
60-64 136.8 48.4 106.7 8 220,000 299 10,325,353 6 206,259
65+ 81.8 57.8 119.2 2 85,000 88 2,353,551 2 71,310
Total 78.0 12.8 86.7 37 2,841,000 8,227 750,385,289 48 3,278,597

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.9     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-5 89.1 12.0 99.1 55 2,976,000 29,311 1,698,801,589 62 3,002,031
6 62.9 31.4 41.5 4 125,000 2,158 115,024,746 6 301,096
7+ 76.3 28.8 82.4 7 360,000 2,274 119,928,598 9 436,757
Total 85.4 10.5 92.5 66 3,461,000 33,743 1,933,754,934 78 3,739,883
By Issue Age
20-49 89.4 11.6 97.5 59 3,296,000 32,890 1,907,008,563 66 3,379,466
50+ 62.3 23.4 45.8 7 165,000 853 26,746,371 11 360,417
Total 85.4 10.5 92.5 66 3,461,000 33,743 1,933,754,934 78 3,739,883
By Attained Age
20-54 86.7 11.1 95.7 61 3,356,000 33,351 1,920,824,279 70 3,505,626
55-59 79.8 39.4 47.9 4 80,000 316 10,246,124 5 166,907
60+ 52.6 52.6 37.1 1 25,000 76 2,684,530 2 67,350
Total 85.4 10.5 92.5 66 3,461,000 33,743 1,933,754,934 78 3,739,883

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.10     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 46.7 32.2 190.1 2 751,000 1,134 121,292,540 4 394,996
2 45.4 32.1 40.1 2 150,000 933 99,223,359 4 374,459
3 137.9 56.3 116.5 6 410,000 782 80,930,804 4 352,070
4 24.9 24.9 15.9 1 50,000 676 68,796,614 4 315,406
5 159.4 65.1 219.1 6 575,000 552 52,658,284 4 262,416
6 38.8 38.8 30.1 1 50,000 350 31,505,790 3 166,358
7+ 68.2 39.3 44.9 3 125,000 508 45,444,027 4 278,509
Total 75.3 16.4 98.5 21 2,111,000 4,936 499,851,418 28 2,144,215
By Issue Age
20-24 0.0 0.0 0.0 0 0 239 25,404,414 0 17,871
25-29 0.0 0.0 0.0 0 0 492 58,238,314 0 56,848
30-34 0.0 0.0 0.0 0 0 733 85,279,937 1 124,871
35-39 100.6 71.1 89.3 2 200,000 826 92,433,421 2 223,866
40-44 47.9 33.8 95.8 2 450,000 977 115,331,919 4 469,918
45-49 106.5 43.5 160.9 6 900,000 769 78,122,663 6 559,241
50-54 62.9 27.9 60.9 5 236,000 626 31,072,997 8 387,790
55-59 111.1 49.7 130.0 5 300,000 217 11,638,431 5 230,685
60+ 53.0 53.0 34.2 1 25,000 57 2,329,322 2 73,125
Total 75.3 16.4 98.5 21 2,111,000 4,936 499,851,418 28 2,144,215
By Attained Age
20-24 0.0 0.0 0.0 0 0 120 11,567,308 0 7,179
25-29 0.0 0.0 0.0 0 0 389 46,938,525 0 37,837
30-34 0.0 0.0 0.0 0 0 613 70,957,429 1 86,623
35-39 0.0 0.0 0.0 0 0 736 84,202,279 1 150,243
40-44 106.6 61.5 134.8 3 450,000 916 108,413,962 3 333,803
45-49 103.5 46.3 180.9 5 975,000 894 100,812,984 5 538,876
50-54 45.4 25.8 28.8 3 136,000 703 49,361,832 7 472,009
55-59 90.2 36.8 109.5 6 375,000 404 21,079,145 7 342,454
60-64 98.1 56.7 120.1 3 150,000 123 5,162,020 3 124,906
65+ 71.2 71.2 49.7 1 25,000 38 1,355,935 1 50,286
Total 75.3 16.4 98.5 21 2,111,000 4,936 499,851,418 28 2,144,215

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.11     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 37.5 11.3 44.5 11 535,000 12,303 611,396,143 29 1,202,067
3 49.6 20.1 68.9 6 334,000 4,754 225,315,558 12 484,464
4 85.7 28.6 80.4 9 327,870 3,808 174,476,493 11 407,876
5 67.5 27.5 125.2 6 425,000 2,920 128,408,514 9 339,356
6 126.2 44.6 99.8 8 235,000 1,931 80,932,702 6 235,500
7+ 50.6 25.3 42.1 4 120,000 2,012 81,108,680 8 285,104
Total 58.6 8.8 66.9 44 1,976,870 27,728 1,301,638,090 75 2,954,366
By Issue Age
20-44 62.1 11.2 60.0 31 1,374,870 24,361 1,210,913,267 50 2,292,390
45-49 59.6 19.7 116.5 9 497,000 2,357 66,797,396 15 426,632
50+ 39.5 19.8 44.6 4 105,000 1,010 23,927,427 10 235,345
Total 58.6 8.8 66.9 44 1,976,870 27,728 1,301,638,090 75 2,954,366
By Attained Age
20-44 65.4 12.6 58.7 27 1,169,870 22,717 1,153,318,733 41 1,992,189
45-49 56.1 18.6 127.7 9 652,000 2,996 95,844,955 16 510,727
50-54 32.8 16.4 19.8 4 65,000 1,556 42,237,154 12 327,481
55-59 73.8 42.6 88.7 3 80,000 362 8,129,584 4 90,169
60+ 64.6 64.6 29.6 1 10,000 97 2,107,664 2 33,801
Total 58.6 8.8 66.9 44 1,976,870 27,728 1,301,638,090 75 2,954,366

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.12     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 62.6 44.2 53.5 2 115,000 740 58,385,677 3 214,825
2 106.4 61.4 84.7 3 175,000 577 49,310,485 3 206,596
3 0.0 0.0 0.0 0 0 529 42,886,441 3 197,134
4 107.9 62.3 77.1 3 120,000 438 33,279,737 3 155,559
5 79.8 56.4 51.2 2 65,000 359 25,624,700 3 126,912
6 150.2 86.7 172.4 3 160,000 267 17,470,601 2 92,791
7+ 94.4 54.5 67.6 3 95,000 381 23,576,229 3 140,566
Total 82.0 20.5 64.4 16 730,000 3,291 250,533,871 20 1,134,382
By Issue Age
20-24 0.0 0.0 0.0 0 0 201 18,848,856 0 16,411
25-29 485.3 343.2 343.4 2 140,000 341 33,640,934 0 40,772
30-34 0.0 0.0 0.0 0 0 362 32,279,112 1 62,173
35-39 0.0 0.0 0.0 0 0 435 39,989,627 1 118,826
40-44 127.2 73.4 108.0 3 225,000 501 45,950,991 2 208,282
45-49 90.2 52.1 75.1 3 200,000 498 41,305,972 3 266,263
50-54 35.1 24.8 14.6 2 35,000 581 25,759,477 6 240,164
55-59 76.5 44.2 21.1 3 30,000 284 10,656,173 4 142,012
60+ 180.4 104.2 253.3 3 100,000 88 2,102,730 2 39,478
Total 82.0 20.5 64.4 16 730,000 3,291 250,533,871 20 1,134,382
By Attained Age
20-24 0.0 0.0 0.0 0 0 112 9,700,326 0 6,948
25-29 336.5 336.5 316.7 1 90,000 292 28,332,125 0 28,414
30-34 188.9 188.9 102.6 1 50,000 345 31,560,754 1 48,756
35-39 0.0 0.0 0.0 0 0 381 34,777,380 1 82,998
40-44 62.9 62.9 31.1 1 50,000 437 44,404,891 2 160,750
45-49 146.9 73.5 132.7 4 325,000 497 44,893,325 3 244,837
50-54 22.2 22.2 18.4 1 50,000 559 34,263,259 4 271,738
55-59 39.5 27.9 18.7 2 35,000 440 16,440,861 5 187,562
60-64 179.3 80.2 86.0 5 70,000 176 5,163,333 3 81,353
65+ 96.0 96.0 285.4 1 60,000 51 997,617 1 21,024
Total 82.0 20.5 64.4 16 730,000 3,291 250,533,871 20 1,134,382

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.13     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 46.0 2.5 50.5 337 22,134,152 273,741 18,954,702,313 731 43,820,597
5 55.3 6.3 56.4 76 4,401,527 41,412 2,689,601,096 138 7,803,016
6 58.6 7.5 57.8 61 3,371,000 28,222 1,801,073,574 104 5,834,147
7+ 58.0 6.4 67.9 82 5,563,823 30,398 1,952,163,619 141 8,188,175
Total 49.9 2.1 54.0 556 35,470,502 373,774 25,397,540,602 1,115 65,645,936
By Issue Age
20-44 50.8 2.8 52.8 330 23,500,139 321,319 22,919,332,743 650 44,492,214
45-49 52.3 4.7 57.8 125 6,920,913 34,359 1,733,762,009 239 11,963,600
50+ 44.7 4.5 54.9 100 5,049,450 18,096 744,445,850 225 9,190,122
Total 49.9 2.1 54.0 556 35,470,502 373,774 25,397,540,602 1,115 65,645,936
By Attained Age
20-49 50.3 2.6 53.0 378 26,370,239 339,597 23,872,297,677 752 49,755,269
50-54 50.2 5.0 51.3 101 4,874,913 23,516 1,106,460,731 202 9,509,976
55-59 52.2 6.8 72.6 58 3,321,750 8,236 335,311,765 111 4,574,599
60+ 36.9 8.7 50.0 18 903,600 2,426 83,470,428 49 1,806,093
Total 49.9 2.1 54.0 556 35,470,502 373,774 25,397,540,602 1,115 65,645,936

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.14     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 30.5 5.2 26.1 34 3,012,500 22,829 2,772,847,676 112 11,533,904
2 40.1 6.2 35.7 42 3,994,000 18,927 2,382,089,121 105 11,191,757
3 48.4 6.8 89.9 50 9,577,344 16,614 2,056,167,257 104 10,649,157
4 60.4 7.9 72.2 59 6,660,000 14,459 1,693,415,748 98 9,225,095
5 52.2 7.6 57.4 47 4,480,000 12,196 1,340,296,898 90 7,809,545
6 37.5 7.2 37.9 27 2,137,491 8,530 861,864,543 72 5,634,625
7+ 62.4 6.5 60.6 92 6,731,197 14,333 1,330,512,531 148 11,115,619
Total 48.3 2.6 54.5 352 36,592,532 107,888 12,437,193,775 728 67,159,702
By Issue Age
20-24 194.0 86.8 129.5 5 385,000 3,363 388,635,829 3 297,342
25-29 65.2 26.6 89.7 6 1,000,000 8,240 1,002,863,526 9 1,115,361
30-34 51.8 15.6 43.6 11 1,250,000 12,439 1,713,262,410 21 2,869,928
35-39 55.8 11.4 78.3 24 4,725,000 15,966 2,318,257,821 43 6,036,383
40-44 56.3 8.0 51.7 50 6,116,854 19,766 2,744,562,280 89 11,830,674
45-49 50.9 6.0 53.4 72 8,363,481 19,291 2,198,723,372 142 15,655,197
50-54 45.8 4.7 43.4 95 6,967,697 17,598 1,378,907,669 207 16,058,077
55-59 45.0 5.5 55.1 66 5,304,500 8,511 549,812,120 147 9,627,922
60-64 35.7 8.0 74.2 20 2,370,000 2,368 127,673,059 56 3,193,024
65+ 18.7 13.2 23.1 2 110,000 345 14,495,689 11 475,795
Total 48.3 2.6 54.5 352 36,592,532 107,888 12,437,193,775 728 67,159,702
By Attained Age
20-24 81.8 81.8 72.4 1 100,000 1,824 206,430,329 1 138,128
25-29 126.3 47.7 146.9 7 935,000 5,933 687,592,376 6 636,431
30-34 71.4 22.6 54.3 10 1,000,000 10,202 1,360,756,664 14 1,841,532
35-39 31.7 10.6 38.3 9 1,550,000 13,784 2,002,811,717 28 4,042,380
40-44 58.5 10.0 73.4 34 6,256,854 17,476 2,604,344,519 58 8,523,855
45-49 54.1 7.2 50.2 56 6,625,990 18,979 2,431,257,664 104 13,192,877
50-54 48.3 5.5 49.7 78 7,734,991 18,276 1,746,744,156 162 15,568,591
55-59 40.0 4.6 41.8 76 5,820,697 13,806 981,096,427 191 13,921,822
60-64 50.4 6.5 73.3 60 5,253,000 5,939 341,151,059 119 7,168,874
65+ 43.9 9.8 61.9 20 1,316,000 1,670 75,008,865 46 2,125,212
Total 48.3 2.6 54.5 352 36,592,532 107,888 12,437,193,775 728 67,159,702

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.15     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 41.4 3.6 43.6 134 9,059,462 125,633 9,274,661,720 324 20,759,326
5 53.3 9.3 49.8 33 1,835,000 18,966 1,307,987,037 62 3,684,086
6 46.5 9.9 42.4 22 1,186,000 12,926 880,285,608 47 2,794,681
7+ 54.0 8.9 68.4 37 2,915,000 14,203 985,466,914 68 4,263,151
Total 45.1 3.0 47.6 226 14,995,462 171,727 12,448,401,280 502 31,501,243
By Issue Age
20-44 44.9 4.1 46.2 122 9,204,612 148,243 11,216,118,898 272 19,941,955
45-49 51.3 6.7 58.3 59 3,643,000 15,665 865,144,511 115 6,251,531
50-54 48.8 8.5 47.0 33 1,586,600 5,607 278,968,841 68 3,373,115
55-59 22.7 7.6 23.8 9 351,250 1,961 74,941,338 40 1,478,672
60+ 38.7 22.3 46.1 3 210,000 252 13,227,692 8 455,970
Total 45.1 3.0 47.6 226 14,995,462 171,727 12,448,401,280 502 31,501,243
By Attained Age
20-49 45.3 3.8 47.7 144 10,765,112 156,630 11,693,444,449 318 22,558,354
50-54 51.1 7.1 52.3 51 2,699,100 10,602 549,851,904 100 5,156,068
55-59 39.7 8.3 41.6 23 1,111,250 3,517 164,916,581 58 2,673,353
60-64 23.1 10.3 26.5 5 210,000 869 32,281,998 22 793,449
65+ 72.4 41.8 65.6 3 210,000 109 7,906,347 4 320,019
Total 45.1 3.0 47.6 226 14,995,462 171,727 12,448,401,280 502 31,501,243

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.16     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 22.1 6.1 17.4 13 1,250,000 11,563 1,682,653,707 59 7,193,153
2 39.3 8.4 31.5 22 2,224,000 9,770 1,460,947,218 56 7,054,907
3 50.1 9.5 104.2 28 6,931,854 8,553 1,247,115,059 56 6,650,985
4 67.8 11.3 73.3 36 4,190,000 7,414 1,013,800,562 53 5,714,768
5 49.2 10.0 54.2 24 2,615,000 6,186 794,248,946 49 4,821,041
6 25.2 8.0 19.1 10 665,000 4,339 508,596,622 40 3,482,933
7+ 61.2 8.5 59.4 52 4,211,500 7,453 784,243,105 85 7,087,823
Total 46.5 3.4 52.6 185 22,087,354 55,279 7,491,605,219 398 42,005,611
By Issue Age
20-24 179.3 126.7 144.8 2 200,000 1,597 197,250,953 1 138,084
25-29 126.6 56.6 168.6 5 900,000 4,021 540,556,223 4 533,835
30-34 40.6 20.3 25.9 4 400,000 6,555 1,029,895,804 10 1,543,834
35-39 46.5 14.7 90.3 10 3,130,000 8,782 1,454,572,411 22 3,467,114
40-44 46.4 9.9 45.6 22 3,381,854 10,836 1,770,760,349 47 7,414,151
45-49 42.6 7.4 38.1 33 3,731,500 9,959 1,326,807,192 78 9,785,717
50-54 48.1 6.4 41.8 56 4,275,500 8,469 780,712,680 116 10,233,312
55-59 46.4 7.4 60.3 39 3,843,500 3,940 308,524,543 84 6,369,639
60-64 43.6 12.1 96.5 13 2,125,000 980 74,404,760 30 2,201,072
65+ 17.6 17.6 31.4 1 100,000 141 8,120,303 6 318,853
Total 46.5 3.4 52.6 185 22,087,354 55,279 7,491,605,219 398 42,005,611
By Attained Age
20-24 0.0 0.0 0.0 0 0 841 103,644,431 1 65,681
25-29 217.4 97.2 289.4 5 850,000 2,804 356,912,029 2 293,743
30-34 47.9 27.7 37.1 3 350,000 5,228 785,636,827 6 944,021
35-39 30.0 15.0 31.1 4 700,000 7,412 1,245,970,248 13 2,247,639
40-44 66.8 14.9 94.3 20 4,871,854 9,724 1,674,937,772 30 5,163,758
45-49 35.7 8.0 27.1 20 2,246,500 10,284 1,535,180,483 56 8,301,313
50-54 40.0 6.8 40.6 35 3,920,000 8,979 1,004,340,933 87 9,649,797
55-59 46.3 6.5 43.7 50 3,950,000 6,570 549,524,903 108 9,041,371
60-64 49.1 8.4 80.9 34 4,003,000 2,752 197,072,346 69 4,949,539
65+ 57.6 15.4 88.7 14 1,196,000 685 38,385,246 24 1,348,748
Total 46.5 3.4 52.6 185 22,087,354 55,279 7,491,605,219 398 42,005,611

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.17     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-4 49.7 3.5 56.7 202 13,074,690 148,109 9,680,040,592 407 23,061,271
5 56.9 8.7 62.3 43 2,566,527 22,447 1,381,614,059 76 4,118,930
6 68.7 11.0 71.9 39 2,185,000 15,296 920,787,966 57 3,039,467
7+ 61.6 9.2 67.5 45 2,648,823 16,195 966,696,705 73 3,925,025
Total 53.8 3.0 60.0 330 20,475,040 202,047 12,949,139,322 612 34,144,693
By Issue Age
20-44 54.9 3.8 58.2 208 14,295,527 173,076 11,703,213,845 379 24,550,259
45-49 53.2 6.5 57.4 66 3,277,913 18,694 868,617,498 124 5,712,069
50+ 50.5 6.8 74.7 55 2,901,600 10,276 377,307,979 109 3,882,365
Total 53.8 3.0 60.0 330 20,475,040 202,047 12,949,139,322 612 34,144,693
By Attained Age
20-49 53.9 3.5 57.4 234 15,605,127 182,966 12,178,853,228 434 27,196,914
50-54 49.4 7.0 50.0 50 2,175,813 12,913 556,608,827 101 4,353,907
55+ 58.9 8.8 103.9 45 2,694,100 6,167 213,677,267 77 2,593,872
Total 53.8 3.0 60.0 330 20,475,040 202,047 12,949,139,322 612 34,144,693

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 10.18     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 40.0 8.7 40.6 21 1,762,500 11,266 1,090,193,969 53 4,340,751
2 40.9 9.1 42.8 20 1,770,000 9,156 921,141,903 49 4,136,850
3 46.4 9.8 66.2 22 2,645,490 8,062 809,052,199 48 3,998,172
4 51.5 10.7 70.4 23 2,470,000 7,045 679,615,187 45 3,510,326
5 55.9 11.7 62.4 23 1,865,000 6,009 546,047,951 41 2,988,505
6 52.5 12.7 68.4 17 1,472,491 4,191 353,267,921 32 2,151,692
7+ 63.9 10.1 62.6 40 2,519,697 6,880 546,269,426 63 4,027,796
Total 50.4 3.9 57.7 166 14,505,178 52,609 4,945,588,556 331 25,154,091
By Issue Age
20-24 205.3 118.5 116.2 3 185,000 1,766 191,384,876 1 159,258
25-29 19.1 19.1 17.2 1 100,000 4,219 462,307,303 5 581,526
30-34 61.5 23.2 64.1 7 850,000 5,885 683,366,606 11 1,326,094
35-39 65.1 17.4 62.1 14 1,595,000 7,185 863,685,409 21 2,569,269
40-44 67.7 12.8 61.9 28 2,735,000 8,930 973,801,931 41 4,416,523
45-49 60.9 9.7 78.9 39 4,631,981 9,332 871,916,180 64 5,869,479
50-54 43.0 6.9 46.2 39 2,692,197 9,129 598,194,989 91 5,824,766
55-59 43.1 8.3 44.8 27 1,461,000 4,571 241,287,577 63 3,258,283
60-64 26.7 10.1 24.7 7 245,000 1,388 53,268,299 26 991,952
65+ 19.8 19.8 6.4 1 10,000 204 6,375,386 5 156,941
Total 50.4 3.9 57.7 166 14,505,178 52,609 4,945,588,556 331 25,154,091
By Attained Age
20-24 144.3 144.3 138.0 1 100,000 983 102,785,898 1 72,447
25-29 61.7 43.6 24.8 2 85,000 3,129 330,680,347 3 342,688
30-34 90.3 34.1 72.4 7 650,000 4,974 575,119,837 8 897,511
35-39 33.2 14.8 47.4 5 850,000 6,372 756,841,469 15 1,794,741
40-44 49.7 13.3 41.2 14 1,385,000 7,751 929,406,747 28 3,360,098
45-49 75.6 12.6 89.5 36 4,379,490 8,695 896,077,181 48 4,891,564
50-54 58.0 8.8 64.5 43 3,814,991 9,297 742,403,223 75 5,918,793
55-59 31.8 6.2 38.3 26 1,870,697 7,236 431,571,524 82 4,880,451
60-64 52.3 10.3 56.3 26 1,250,000 3,187 144,078,713 50 2,219,335
65+ 28.3 11.5 15.5 6 120,000 984 36,623,619 21 776,464
Total 50.4 3.9 57.7 166 14,505,178 52,609 4,945,588,556 331 25,154,091

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 11.1     EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 69.5 13.6 75.3 26 2,950,000 4,391 462,771,411 37 3,917,396
1997 73.3 9.5 70.0 59 5,275,000 8,648 852,605,774 81 7,532,183
1998 74.7 8.1 66.6 85 7,052,500 13,605 1,342,414,720 114 10,582,925
1999 58.6 5.5 65.2 112 10,675,921 25,485 2,340,494,488 191 16,384,866
2000 58.8 4.4 61.4 177 15,098,820 45,265 3,976,597,996 301 24,595,316
2001 62.2 3.2 67.1 386 33,698,171 108,544 9,417,052,786 621 50,231,458
2002 61.5 2.8 64.8 470 39,154,411 149,380 12,545,905,116 764 60,425,945
2003 54.1 2.4 59.2 497 43,622,207 197,966 16,922,093,627 917 73,628,112
2004 48.3 2.3 50.3 442 37,471,010 223,930 19,315,368,933 916 74,541,252
2005 49.2 2.8 51.6 305 26,451,840 162,721 14,348,391,749 619 51,245,274
2006 43.3 3.2 46.9 186 16,308,995 121,196 10,557,549,411 431 34,748,237
2007 38.3 3.8 40.2 100 8,793,750 77,244 6,976,740,053 260 21,899,483
2008 35.5 5.1 27.3 48 3,056,000 44,242 3,847,987,358 136 11,210,999
Total 53.7 1.0 56.6 2,894 249,608,625 1,182,616 102,905,973,424 5,389 440,943,446

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 11.2     MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 66.2 17.1 67.5 15 1,750,000 2,309 270,864,160 23 2,593,981
1997 82.3 12.9 72.3 41 3,710,000 4,698 519,530,418 50 5,131,709
1998 69.3 10.0 65.3 48 4,627,500 7,234 795,896,031 69 7,083,938
1999 55.7 7.1 58.1 61 6,045,000 13,105 1,337,001,053 110 10,408,414
2000 56.5 5.8 58.2 94 8,713,333 22,723 2,212,428,888 166 14,974,231
2001 57.1 4.2 63.0 186 18,965,127 53,054 5,219,940,201 326 30,092,787
2002 61.8 3.9 62.7 248 22,367,260 73,179 6,895,027,474 402 35,698,552
2003 49.4 3.2 55.5 231 23,730,528 95,837 9,283,171,769 469 42,756,986
2004 45.0 3.1 46.3 207 19,742,074 108,360 10,444,449,958 459 42,601,151
2005 48.6 3.9 50.9 152 14,987,240 79,933 7,862,943,162 312 29,416,982
2006 40.0 4.3 35.2 85 6,859,495 59,455 5,760,809,211 213 19,468,318
2007 38.2 5.5 40.2 48 4,939,750 37,390 3,846,072,250 127 12,275,867
2008 40.4 7.9 28.3 26 1,761,000 20,990 2,087,043,820 65 6,226,546
Total 51.7 1.4 53.4 1,443 138,198,307 578,266 56,535,178,394 2,789 258,729,463

Thomson Data Analysis Tue Sep 30 14:06:59 2014


TABLE 11.3     FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
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 74.6 22.5 90.7 11 1,200,000 2,082 191,907,251 15 1,323,415
1997 58.6 13.8 65.2 18 1,565,000 3,949 333,075,356 31 2,400,474
1998 83.0 13.6 69.3 37 2,425,000 6,371 546,518,689 45 3,498,987
1999 62.5 8.7 77.5 51 4,630,921 12,379 1,003,493,435 82 5,976,451
2000 61.6 6.8 66.4 83 6,385,487 22,542 1,764,169,108 135 9,621,085
2001 67.7 4.8 73.2 200 14,733,044 55,490 4,197,112,585 295 20,138,671
2002 61.3 4.1 67.9 222 16,787,151 76,201 5,650,877,643 362 24,727,393
2003 59.1 3.6 64.4 265 19,891,679 102,129 7,638,921,858 449 30,871,127
2004 51.5 3.4 55.5 236 17,728,936 115,570 8,870,918,975 457 31,940,101
2005 49.9 4.0 52.5 153 11,464,600 82,788 6,485,448,588 307 21,828,292
2006 46.5 4.6 61.8 101 9,449,500 61,741 4,796,740,200 218 15,279,919
2007 38.5 5.4 40.0 51 3,854,000 39,854 3,130,667,803 133 9,623,616
2008 31.1 6.6 26.0 22 1,295,000 23,252 1,760,943,539 71 4,984,453
Total 55.8 1.5 61.1 1,451 111,410,318 604,350 46,370,795,030 2,600 182,213,983

Thomson Data Analysis Tue Sep 30 14:06:59 2014