CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
|
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
|
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
|
Index of Tables
|
TABLE 1.1
|
TOTAL EXPERIENCE
|
TABLE 1.2
|
TOTAL EXPERIENCE -- MALES
|
TABLE 1.3
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 2.1
|
TOTAL EXPERIENCE -- SMOKERS
|
TABLE 2.2
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 2.3
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 2.4
|
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 2.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 2.6
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 3.1
|
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.2
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.3
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.4
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.5
|
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.6
|
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.7
|
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.8
|
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.9
|
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.10
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.11
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.12
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.13
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.14
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.15
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.16
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.17
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.18
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.19
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.20
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.21
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.22
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.23
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.24
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.25
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.26
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.27
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.28
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.29
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.30
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.31
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.32
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.33
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.34
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.35
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.36
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 4.1
|
TOTAL EXPERIENCE BY ILLNESS
|
TABLE 4.2
|
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
TABLE 4.3
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
TABLE 4.4
|
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
TABLE 4.5
|
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
TABLE 4.6
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
TABLE 4.7
|
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
TABLE 4.8
|
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 4.9
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 5.1
|
HEART ATTACK EXPERIENCE
|
TABLE 5.2
|
MALE HEART ATTACK EXPERIENCE
|
TABLE 5.3
|
FEMALE HEART ATTACK EXPERIENCE
|
TABLE 5.4
|
HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.5
|
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.6
|
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.7
|
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.8
|
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.9
|
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.1
|
LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.2
|
MALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.3
|
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.4
|
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.5
|
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.6
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.7
|
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.8
|
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.9
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.1
|
STROKE EXPERIENCE
|
TABLE 7.2
|
MALE STROKE EXPERIENCE
|
TABLE 7.3
|
FEMALE STROKE EXPERIENCE
|
TABLE 7.4
|
STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.5
|
MALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.6
|
FEMALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.7
|
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.8
|
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.9
|
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 8.1
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.2
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.3
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.4
|
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.5
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.6
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.7
|
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.8
|
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.9
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.10
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.11
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.12
|
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 9.1
|
TOTAL EXPERIENCE -- POLICY YEAR
|
TABLE 9.2
|
MALE EXPERIENCE -- POLICY YEAR
|
TABLE 9.3
|
FEMALE EXPERIENCE -- POLICY YEAR
|
TABLE 10.1
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.2
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.3
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.4
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.5
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.6
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.7
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.8
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.9
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.10
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.11
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.12
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.13
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.14
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.15
|
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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.6
|
2.0
|
27.5
|
183
|
15,497,600
|
220,173
|
19,081,870,531
|
689
|
56,418,899
|
2
|
49.2
|
2.6
|
51.8
|
345
|
30,148,720
|
200,243
|
17,655,579,063
|
701
|
58,240,518
|
3
|
53.2
|
2.7
|
55.9
|
401
|
35,063,983
|
190,714
|
16,932,168,560
|
753
|
62,772,087
|
4
|
53.5
|
2.6
|
55.4
|
439
|
37,677,512
|
183,341
|
16,242,830,643
|
820
|
67,983,780
|
5
|
56.3
|
2.6
|
57.4
|
487
|
40,773,467
|
173,177
|
15,208,377,556
|
864
|
71,089,988
|
6
|
56.3
|
2.6
|
59.3
|
487
|
42,223,767
|
155,371
|
13,651,275,634
|
864
|
71,230,943
|
7+
|
57.0
|
1.5
|
57.6
|
1,420
|
120,216,416
|
346,581
|
30,668,906,418
|
2,490
|
208,735,989
|
Total
|
52.4
|
0.9
|
53.9
|
3,761
|
321,601,465
|
1,469,600
|
129,441,008,405
|
7,180
|
596,472,202
|
By Issue Age
|
20-24
|
62.3
|
9.1
|
59.9
|
47
|
3,467,500
|
92,331
|
7,124,619,980
|
75
|
5,791,750
|
25-29
|
61.5
|
5.0
|
67.0
|
151
|
13,954,907
|
204,843
|
17,379,955,533
|
245
|
20,819,545
|
30-34
|
56.9
|
3.4
|
59.1
|
275
|
26,948,020
|
263,404
|
24,899,203,081
|
484
|
45,614,776
|
35-39
|
56.1
|
2.6
|
56.4
|
462
|
44,807,022
|
278,693
|
27,179,142,578
|
823
|
79,471,617
|
40-44
|
56.1
|
2.1
|
55.0
|
720
|
65,700,132
|
261,044
|
24,346,112,218
|
1,284
|
119,466,506
|
45-49
|
51.5
|
1.8
|
49.8
|
814
|
65,955,070
|
196,797
|
16,306,000,798
|
1,582
|
132,563,180
|
50-54
|
50.2
|
1.9
|
51.7
|
718
|
56,951,763
|
112,341
|
8,393,857,018
|
1,432
|
110,157,759
|
55-59
|
48.4
|
2.3
|
55.8
|
424
|
33,602,850
|
46,371
|
3,046,499,135
|
877
|
60,185,136
|
60-64
|
39.2
|
3.6
|
45.7
|
120
|
8,728,837
|
11,721
|
675,378,340
|
307
|
19,095,583
|
65+
|
39.6
|
7.5
|
44.9
|
28
|
1,485,364
|
2,054
|
90,239,724
|
71
|
3,306,350
|
Total
|
52.4
|
0.9
|
53.9
|
3,761
|
321,601,465
|
1,469,600
|
129,441,008,405
|
7,180
|
596,472,202
|
By Attained Age
|
20-24
|
59.6
|
15.9
|
48.6
|
14
|
885,000
|
35,658
|
2,762,899,724
|
23
|
1,820,785
|
25-29
|
58.2
|
6.8
|
59.0
|
73
|
5,959,027
|
136,433
|
11,035,874,526
|
125
|
10,103,482
|
30-34
|
59.1
|
4.4
|
63.5
|
177
|
16,701,250
|
219,448
|
19,372,797,518
|
300
|
26,295,006
|
35-39
|
51.1
|
3.1
|
52.2
|
271
|
26,193,423
|
257,496
|
24,703,896,581
|
529
|
50,205,423
|
40-44
|
54.5
|
2.5
|
52.6
|
467
|
43,280,065
|
261,115
|
25,347,569,215
|
857
|
82,263,983
|
45-49
|
54.2
|
2.1
|
56.1
|
698
|
65,096,985
|
237,709
|
21,487,373,763
|
1,286
|
115,976,368
|
50-54
|
53.1
|
1.9
|
50.7
|
796
|
62,988,731
|
171,010
|
13,997,833,790
|
1,499
|
124,277,404
|
55-59
|
50.2
|
1.9
|
52.7
|
668
|
53,825,860
|
96,144
|
7,155,353,717
|
1,331
|
102,170,979
|
60-64
|
50.6
|
2.5
|
60.8
|
425
|
35,865,358
|
41,326
|
2,789,454,081
|
839
|
58,991,808
|
65+
|
44.2
|
3.4
|
44.3
|
172
|
10,805,766
|
13,261
|
787,955,492
|
390
|
24,366,963
|
Total
|
52.4
|
0.9
|
53.9
|
3,761
|
321,601,465
|
1,469,600
|
129,441,008,405
|
7,180
|
596,472,202
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 1.2
TOTAL EXPERIENCE -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.5
|
2.9
|
28.1
|
90
|
8,754,500
|
104,847
|
10,347,952,762
|
328
|
31,208,591
|
2
|
46.4
|
3.7
|
51.4
|
159
|
16,868,117
|
96,403
|
9,622,508,236
|
342
|
32,814,760
|
3
|
48.7
|
3.6
|
47.4
|
183
|
17,013,193
|
92,416
|
9,247,105,623
|
376
|
35,862,840
|
4
|
49.6
|
3.4
|
51.5
|
207
|
20,263,901
|
89,106
|
8,882,600,869
|
417
|
39,333,352
|
5
|
54.3
|
3.5
|
51.6
|
242
|
21,421,443
|
84,201
|
8,301,641,281
|
446
|
41,542,187
|
6
|
48.6
|
3.3
|
48.0
|
219
|
20,263,853
|
75,489
|
7,476,852,894
|
451
|
42,178,917
|
7+
|
55.5
|
2.0
|
56.9
|
756
|
73,154,115
|
170,534
|
17,001,057,839
|
1,364
|
128,583,924
|
Total
|
49.9
|
1.2
|
50.6
|
1,857
|
177,739,122
|
712,997
|
70,879,719,504
|
3,725
|
351,524,571
|
By Issue Age
|
20-24
|
54.3
|
13.2
|
62.3
|
17
|
1,595,000
|
43,134
|
3,520,943,732
|
31
|
2,561,833
|
25-29
|
72.2
|
8.6
|
68.3
|
71
|
6,097,500
|
95,031
|
8,567,862,868
|
98
|
8,933,285
|
30-34
|
49.6
|
4.9
|
60.4
|
102
|
13,123,750
|
128,937
|
13,444,417,254
|
206
|
21,720,411
|
35-39
|
47.9
|
3.6
|
48.0
|
177
|
19,594,186
|
138,055
|
15,178,550,711
|
371
|
40,849,036
|
40-44
|
48.4
|
2.8
|
47.0
|
308
|
32,015,671
|
129,903
|
13,943,284,815
|
636
|
68,111,164
|
45-49
|
48.8
|
2.4
|
45.5
|
409
|
36,750,085
|
95,973
|
9,265,850,302
|
839
|
80,791,489
|
50-54
|
53.2
|
2.6
|
53.2
|
434
|
38,261,360
|
54,047
|
4,764,374,633
|
815
|
71,854,889
|
55-59
|
48.8
|
3.1
|
55.4
|
251
|
22,638,242
|
21,852
|
1,741,884,401
|
514
|
40,845,070
|
60-64
|
40.4
|
4.8
|
49.0
|
70
|
6,632,964
|
5,142
|
399,219,323
|
173
|
13,529,540
|
65+
|
44.5
|
10.5
|
44.3
|
18
|
1,030,364
|
923
|
53,331,465
|
41
|
2,327,853
|
Total
|
49.9
|
1.2
|
50.6
|
1,857
|
177,739,122
|
712,997
|
70,879,719,504
|
3,725
|
351,524,571
|
By Attained Age
|
20-24
|
29.0
|
16.7
|
30.6
|
3
|
260,000
|
16,864
|
1,374,444,888
|
10
|
848,696
|
25-29
|
67.9
|
11.6
|
70.1
|
34
|
3,040,000
|
62,493
|
5,380,840,869
|
50
|
4,334,212
|
30-34
|
64.8
|
7.3
|
66.0
|
79
|
7,772,500
|
103,928
|
9,959,385,448
|
122
|
11,780,824
|
35-39
|
41.2
|
4.3
|
44.1
|
92
|
10,600,523
|
126,830
|
13,510,355,342
|
224
|
24,025,584
|
40-44
|
47.2
|
3.5
|
46.2
|
185
|
19,917,177
|
130,360
|
14,329,453,117
|
392
|
43,089,753
|
45-49
|
45.7
|
2.7
|
46.4
|
291
|
30,801,447
|
117,625
|
12,298,641,809
|
636
|
66,405,170
|
50-54
|
50.8
|
2.5
|
48.5
|
407
|
36,815,567
|
83,138
|
7,885,004,958
|
801
|
75,860,278
|
55-59
|
51.6
|
2.6
|
50.9
|
393
|
34,261,788
|
45,917
|
4,069,305,456
|
761
|
67,321,134
|
60-64
|
53.7
|
3.3
|
65.8
|
268
|
26,683,062
|
19,719
|
1,605,664,814
|
500
|
40,543,989
|
65+
|
45.9
|
4.5
|
43.8
|
105
|
7,587,058
|
6,123
|
466,622,804
|
229
|
17,314,930
|
Total
|
49.9
|
1.2
|
50.6
|
1,857
|
177,739,122
|
712,997
|
70,879,719,504
|
3,725
|
351,524,571
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 1.3
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.7
|
2.7
|
26.7
|
92
|
6,743,100
|
115,326
|
8,733,917,769
|
360
|
25,210,308
|
2
|
51.8
|
3.8
|
52.2
|
186
|
13,280,603
|
103,840
|
8,033,070,827
|
358
|
25,425,757
|
3
|
57.8
|
3.9
|
67.1
|
218
|
18,050,790
|
98,298
|
7,685,062,937
|
377
|
26,909,247
|
4
|
57.6
|
3.8
|
60.8
|
232
|
17,413,611
|
94,235
|
7,360,229,774
|
403
|
28,650,428
|
5
|
58.4
|
3.7
|
65.5
|
244
|
19,352,024
|
88,976
|
6,906,736,275
|
418
|
29,547,801
|
6
|
64.8
|
4.0
|
75.6
|
267
|
21,959,914
|
79,882
|
6,174,422,741
|
413
|
29,052,026
|
7+
|
58.9
|
2.3
|
58.7
|
663
|
47,062,301
|
176,047
|
13,667,848,578
|
1,126
|
80,152,065
|
Total
|
55.1
|
1.3
|
58.7
|
1,903
|
143,862,343
|
756,603
|
58,561,288,901
|
3,455
|
244,947,632
|
By Issue Age
|
20-24
|
67.9
|
12.4
|
58.0
|
30
|
1,872,500
|
49,197
|
3,603,676,248
|
44
|
3,229,916
|
25-29
|
54.4
|
6.1
|
66.1
|
80
|
7,857,407
|
109,812
|
8,812,092,665
|
147
|
11,886,260
|
30-34
|
62.2
|
4.7
|
57.9
|
173
|
13,824,270
|
134,467
|
11,454,785,827
|
278
|
23,894,365
|
35-39
|
62.9
|
3.7
|
65.3
|
284
|
25,212,836
|
140,638
|
12,000,591,867
|
452
|
38,622,581
|
40-44
|
63.7
|
3.1
|
65.6
|
413
|
33,684,461
|
131,141
|
10,402,827,403
|
648
|
51,355,341
|
45-49
|
54.5
|
2.7
|
56.4
|
405
|
29,204,985
|
100,824
|
7,040,150,496
|
743
|
51,771,691
|
50-54
|
46.2
|
2.7
|
48.8
|
285
|
18,690,403
|
58,294
|
3,629,482,385
|
616
|
38,302,870
|
55-59
|
47.8
|
3.6
|
56.7
|
174
|
10,964,608
|
24,519
|
1,304,614,733
|
363
|
19,340,066
|
60+
|
36.7
|
4.7
|
39.0
|
60
|
2,550,873
|
7,711
|
313,067,277
|
164
|
6,544,539
|
Total
|
55.1
|
1.3
|
58.7
|
1,903
|
143,862,343
|
756,603
|
58,561,288,901
|
3,455
|
244,947,632
|
By Attained Age
|
20-24
|
83.8
|
25.3
|
64.3
|
11
|
625,000
|
18,794
|
1,388,454,836
|
13
|
972,089
|
25-29
|
51.8
|
8.3
|
50.6
|
39
|
2,919,027
|
73,940
|
5,655,033,657
|
75
|
5,769,270
|
30-34
|
55.2
|
5.6
|
61.5
|
98
|
8,928,750
|
115,520
|
9,413,412,070
|
178
|
14,514,183
|
35-39
|
58.4
|
4.4
|
59.6
|
178
|
15,592,900
|
130,666
|
11,193,541,239
|
305
|
26,179,839
|
40-44
|
60.6
|
3.6
|
59.6
|
282
|
23,362,888
|
130,755
|
11,018,116,098
|
466
|
39,174,230
|
45-49
|
62.6
|
3.1
|
69.2
|
407
|
34,295,538
|
120,084
|
9,188,731,954
|
650
|
49,571,198
|
50-54
|
55.7
|
2.8
|
54.1
|
389
|
26,173,164
|
87,872
|
6,112,828,831
|
698
|
48,417,126
|
55-59
|
48.3
|
2.9
|
56.1
|
276
|
19,564,072
|
50,227
|
3,086,048,261
|
570
|
34,849,845
|
60-64
|
46.1
|
3.7
|
49.8
|
156
|
9,182,296
|
21,607
|
1,183,789,267
|
339
|
18,447,819
|
65+
|
41.8
|
5.1
|
45.6
|
67
|
3,218,708
|
7,139
|
321,332,687
|
160
|
7,052,033
|
Total
|
55.1
|
1.3
|
58.7
|
1,903
|
143,862,343
|
756,603
|
58,561,288,901
|
3,455
|
244,947,632
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.1
TOTAL EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
53.0
|
9.3
|
61.8
|
32
|
2,169,000
|
24,028
|
1,536,456,735
|
61
|
3,512,214
|
2
|
65.4
|
10.4
|
78.9
|
39
|
2,695,133
|
21,116
|
1,349,293,572
|
60
|
3,416,926
|
3
|
88.0
|
11.7
|
80.1
|
56
|
2,885,008
|
19,793
|
1,252,810,908
|
64
|
3,600,123
|
4
|
62.7
|
9.7
|
62.5
|
42
|
2,343,625
|
18,530
|
1,158,834,648
|
67
|
3,751,309
|
5
|
77.6
|
10.7
|
98.7
|
53
|
3,749,605
|
17,084
|
1,055,016,769
|
68
|
3,799,814
|
6
|
88.5
|
11.5
|
83.2
|
59
|
3,145,628
|
15,123
|
943,060,649
|
67
|
3,780,763
|
7+
|
88.2
|
7.0
|
82.0
|
161
|
8,908,979
|
31,662
|
2,034,171,904
|
182
|
10,869,090
|
Total
|
77.8
|
3.7
|
79.1
|
443
|
25,896,978
|
147,336
|
9,329,645,185
|
569
|
32,730,239
|
By Issue Age
|
20-24
|
75.3
|
25.1
|
48.8
|
9
|
350,000
|
14,858
|
895,692,419
|
12
|
717,054
|
25-29
|
91.7
|
17.3
|
107.2
|
28
|
2,165,880
|
27,016
|
1,804,719,338
|
31
|
2,020,439
|
30-34
|
63.6
|
11.4
|
82.8
|
31
|
2,849,120
|
27,659
|
1,969,346,039
|
49
|
3,442,973
|
35-39
|
82.4
|
10.3
|
78.1
|
64
|
4,096,734
|
26,743
|
1,822,755,865
|
78
|
5,246,894
|
40-44
|
75.7
|
8.1
|
73.5
|
87
|
5,232,000
|
23,774
|
1,471,228,347
|
115
|
7,114,652
|
45-49
|
99.8
|
8.8
|
111.2
|
128
|
7,820,241
|
16,453
|
885,876,859
|
129
|
7,031,197
|
50-54
|
62.8
|
8.1
|
46.3
|
60
|
2,103,403
|
7,781
|
355,370,279
|
96
|
4,545,879
|
55-59
|
55.7
|
11.1
|
46.5
|
25
|
949,600
|
2,456
|
103,953,615
|
45
|
2,043,925
|
60-64
|
58.2
|
20.6
|
49.2
|
8
|
245,000
|
547
|
18,735,148
|
14
|
498,036
|
65+
|
107.0
|
75.7
|
122.9
|
2
|
85,000
|
49
|
1,967,276
|
2
|
69,189
|
Total
|
77.8
|
3.7
|
79.1
|
443
|
25,896,978
|
147,336
|
9,329,645,185
|
569
|
32,730,239
|
By Attained Age
|
20-24
|
54.0
|
38.2
|
22.7
|
2
|
50,000
|
5,708
|
339,754,758
|
4
|
220,471
|
25-29
|
55.0
|
17.4
|
72.1
|
10
|
845,000
|
20,431
|
1,325,742,761
|
18
|
1,172,075
|
30-34
|
109.5
|
17.8
|
122.0
|
38
|
2,823,750
|
26,512
|
1,788,312,611
|
35
|
2,313,628
|
35-39
|
57.5
|
10.7
|
52.0
|
29
|
1,815,250
|
25,289
|
1,777,506,945
|
50
|
3,489,434
|
40-44
|
73.1
|
9.5
|
82.6
|
59
|
4,359,253
|
24,914
|
1,651,328,055
|
81
|
5,275,573
|
45-49
|
93.6
|
8.9
|
105.7
|
110
|
7,391,989
|
21,756
|
1,307,245,690
|
117
|
6,995,529
|
50-54
|
77.5
|
8.0
|
72.1
|
93
|
4,600,866
|
13,790
|
725,409,415
|
120
|
6,384,639
|
55-59
|
79.2
|
9.6
|
63.9
|
68
|
2,681,270
|
6,280
|
296,427,260
|
86
|
4,196,220
|
60-64
|
58.0
|
11.6
|
43.7
|
25
|
924,600
|
2,129
|
99,238,692
|
43
|
2,116,886
|
65+
|
59.5
|
19.8
|
71.6
|
9
|
405,000
|
527
|
18,678,998
|
15
|
565,784
|
Total
|
77.8
|
3.7
|
79.1
|
443
|
25,896,978
|
147,336
|
9,329,645,185
|
569
|
32,730,239
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.2
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
65.9
|
14.3
|
74.5
|
21
|
1,596,000
|
13,801
|
985,148,598
|
32
|
2,143,679
|
2
|
78.4
|
15.6
|
97.1
|
25
|
2,010,000
|
11,999
|
852,403,599
|
32
|
2,070,829
|
3
|
96.4
|
16.7
|
72.3
|
33
|
1,579,008
|
11,086
|
780,613,569
|
34
|
2,183,990
|
4
|
58.8
|
12.8
|
61.9
|
21
|
1,395,000
|
10,190
|
709,177,606
|
36
|
2,253,254
|
5
|
68.9
|
13.8
|
93.4
|
25
|
2,124,600
|
9,265
|
638,087,029
|
36
|
2,275,412
|
6
|
67.1
|
13.7
|
61.3
|
24
|
1,416,500
|
8,174
|
573,698,109
|
36
|
2,309,270
|
7+
|
89.0
|
9.3
|
88.2
|
91
|
6,060,850
|
17,145
|
1,241,788,802
|
102
|
6,874,720
|
Total
|
77.9
|
5.0
|
80.5
|
240
|
16,181,958
|
81,660
|
5,780,917,311
|
309
|
20,111,154
|
By Issue Age
|
20-24
|
33.9
|
24.0
|
39.3
|
2
|
150,000
|
8,116
|
523,923,197
|
6
|
381,334
|
25-29
|
89.9
|
24.0
|
81.2
|
14
|
910,000
|
15,591
|
1,113,545,904
|
16
|
1,120,512
|
30-34
|
59.6
|
15.4
|
82.6
|
15
|
1,666,250
|
16,208
|
1,282,616,469
|
25
|
2,017,765
|
35-39
|
92.1
|
15.1
|
84.1
|
37
|
2,604,085
|
15,147
|
1,156,354,126
|
40
|
3,095,461
|
40-44
|
82.9
|
11.6
|
81.5
|
51
|
3,510,000
|
12,929
|
901,222,932
|
62
|
4,305,574
|
45-49
|
95.0
|
11.6
|
111.7
|
67
|
4,981,508
|
8,450
|
530,057,509
|
71
|
4,457,949
|
50-54
|
61.4
|
10.5
|
48.3
|
34
|
1,435,515
|
3,870
|
202,711,959
|
55
|
2,971,441
|
55-59
|
58.9
|
15.1
|
52.7
|
15
|
739,600
|
1,104
|
59,624,841
|
26
|
1,403,466
|
60-64
|
59.4
|
29.7
|
52.3
|
4
|
160,000
|
208
|
9,657,279
|
7
|
306,111
|
65+
|
64.0
|
64.0
|
48.5
|
1
|
25,000
|
37
|
1,203,095
|
2
|
51,541
|
Total
|
77.9
|
5.0
|
80.5
|
240
|
16,181,958
|
81,660
|
5,780,917,311
|
309
|
20,111,154
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,155
|
203,885,608
|
2
|
125,305
|
25-29
|
54.4
|
24.3
|
51.8
|
5
|
330,000
|
11,543
|
796,158,688
|
9
|
636,602
|
30-34
|
106.5
|
24.4
|
107.9
|
19
|
1,430,000
|
15,430
|
1,137,400,364
|
18
|
1,325,839
|
35-39
|
58.0
|
15.0
|
50.1
|
15
|
1,013,250
|
14,741
|
1,147,712,053
|
26
|
2,021,093
|
40-44
|
82.2
|
14.1
|
98.4
|
34
|
3,031,000
|
13,854
|
1,031,461,437
|
41
|
3,079,411
|
45-49
|
101.1
|
12.7
|
113.2
|
63
|
4,849,593
|
11,680
|
803,079,390
|
63
|
4,285,102
|
50-54
|
73.6
|
10.5
|
70.3
|
49
|
2,817,000
|
7,020
|
423,522,034
|
67
|
4,009,744
|
55-59
|
74.4
|
12.4
|
63.6
|
36
|
1,746,515
|
2,961
|
167,279,380
|
49
|
2,746,306
|
60-64
|
49.7
|
13.7
|
43.9
|
13
|
664,600
|
1,050
|
60,502,106
|
26
|
1,513,829
|
65+
|
71.4
|
29.1
|
81.5
|
6
|
300,000
|
225
|
9,916,249
|
8
|
367,923
|
Total
|
77.9
|
5.0
|
80.5
|
240
|
16,181,958
|
81,660
|
5,780,917,311
|
309
|
20,111,154
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.3
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.5
|
11.6
|
41.9
|
11
|
573,000
|
10,227
|
551,308,137
|
29
|
1,368,534
|
2
|
50.6
|
13.4
|
50.9
|
14
|
685,133
|
9,117
|
496,889,973
|
28
|
1,346,097
|
3
|
78.3
|
16.3
|
92.2
|
23
|
1,306,000
|
8,707
|
472,197,339
|
29
|
1,416,133
|
4
|
67.0
|
14.6
|
63.3
|
21
|
948,625
|
8,340
|
449,657,041
|
31
|
1,498,055
|
5
|
87.4
|
16.5
|
106.6
|
28
|
1,625,005
|
7,819
|
416,929,741
|
32
|
1,524,402
|
6
|
113.4
|
19.2
|
117.5
|
35
|
1,729,128
|
6,949
|
369,362,541
|
31
|
1,471,494
|
7+
|
87.3
|
10.4
|
71.3
|
70
|
2,848,129
|
14,517
|
792,383,102
|
80
|
3,994,370
|
Total
|
77.7
|
5.5
|
77.0
|
202
|
9,715,020
|
65,676
|
3,548,727,874
|
261
|
12,619,085
|
By Issue Age
|
20-24
|
115.8
|
43.8
|
59.6
|
7
|
200,000
|
6,742
|
371,769,222
|
6
|
335,720
|
25-29
|
93.5
|
25.0
|
139.6
|
14
|
1,255,880
|
11,424
|
691,173,434
|
15
|
899,928
|
30-34
|
67.8
|
17.0
|
83.0
|
16
|
1,182,870
|
11,451
|
686,729,569
|
24
|
1,425,209
|
35-39
|
72.0
|
13.9
|
69.4
|
27
|
1,492,649
|
11,597
|
666,401,738
|
37
|
2,151,433
|
40-44
|
67.5
|
11.2
|
61.3
|
36
|
1,722,000
|
10,844
|
570,005,415
|
53
|
2,809,078
|
45-49
|
105.7
|
13.5
|
110.3
|
61
|
2,838,733
|
8,003
|
355,819,351
|
58
|
2,573,248
|
50-54
|
64.6
|
12.7
|
42.4
|
26
|
667,888
|
3,911
|
152,658,320
|
40
|
1,574,438
|
55-59
|
51.4
|
16.3
|
32.8
|
10
|
210,000
|
1,352
|
44,328,774
|
19
|
640,459
|
60-64
|
57.1
|
28.5
|
44.3
|
4
|
85,000
|
339
|
9,077,869
|
7
|
191,924
|
65+
|
326.6
|
326.6
|
340.0
|
1
|
60,000
|
13
|
764,180
|
0
|
17,648
|
Total
|
77.7
|
5.5
|
77.0
|
202
|
9,715,020
|
65,676
|
3,548,727,874
|
261
|
12,619,085
|
By Attained Age
|
20-24
|
112.5
|
79.5
|
52.5
|
2
|
50,000
|
2,553
|
135,869,149
|
2
|
95,166
|
25-29
|
55.8
|
24.9
|
96.2
|
5
|
515,000
|
8,887
|
529,584,073
|
9
|
535,473
|
30-34
|
112.7
|
25.9
|
141.1
|
19
|
1,393,750
|
11,082
|
650,912,247
|
17
|
987,789
|
35-39
|
57.0
|
15.2
|
54.6
|
14
|
802,000
|
10,548
|
629,794,891
|
25
|
1,468,341
|
40-44
|
63.5
|
12.7
|
60.5
|
25
|
1,328,253
|
11,060
|
619,866,618
|
39
|
2,196,162
|
45-49
|
85.1
|
12.5
|
93.8
|
46
|
2,542,396
|
10,076
|
504,166,300
|
54
|
2,710,427
|
50-54
|
82.3
|
12.4
|
75.1
|
44
|
1,783,866
|
6,769
|
301,887,381
|
53
|
2,374,895
|
55-59
|
85.4
|
15.1
|
64.5
|
32
|
934,755
|
3,319
|
129,147,880
|
37
|
1,449,914
|
60-64
|
71.1
|
20.5
|
43.1
|
12
|
260,000
|
1,078
|
38,736,586
|
17
|
603,057
|
65+
|
44.6
|
25.8
|
53.1
|
3
|
105,000
|
303
|
8,762,749
|
7
|
197,861
|
Total
|
77.7
|
5.5
|
77.0
|
202
|
9,715,020
|
65,676
|
3,548,727,874
|
261
|
12,619,085
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.4
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.0
|
2.0
|
25.2
|
151
|
13,328,600
|
196,145
|
17,545,413,796
|
628
|
52,906,685
|
2
|
47.7
|
2.7
|
50.1
|
305
|
27,453,587
|
179,127
|
16,306,285,491
|
640
|
54,823,592
|
3
|
50.0
|
2.7
|
54.4
|
345
|
32,178,975
|
170,921
|
15,679,357,652
|
689
|
59,171,964
|
4
|
52.7
|
2.6
|
55.0
|
397
|
35,333,887
|
164,811
|
15,083,995,996
|
753
|
64,232,471
|
5
|
54.5
|
2.6
|
55.0
|
434
|
37,023,862
|
156,093
|
14,153,360,787
|
796
|
67,290,174
|
6
|
53.6
|
2.6
|
57.9
|
427
|
39,078,139
|
140,248
|
12,708,214,985
|
797
|
67,450,179
|
7+
|
54.6
|
1.5
|
56.3
|
1,259
|
111,307,437
|
314,919
|
28,634,734,514
|
2,307
|
197,866,899
|
Total
|
50.2
|
0.9
|
52.5
|
3,318
|
295,704,487
|
1,322,264
|
120,111,363,220
|
6,611
|
563,741,963
|
By Issue Age
|
20-24
|
59.8
|
9.7
|
61.4
|
38
|
3,117,500
|
77,473
|
6,228,927,561
|
64
|
5,074,696
|
25-29
|
57.3
|
5.2
|
62.7
|
123
|
11,789,027
|
177,827
|
15,575,236,195
|
215
|
18,799,106
|
30-34
|
56.1
|
3.6
|
57.1
|
244
|
24,098,900
|
235,745
|
22,929,857,042
|
435
|
42,171,803
|
35-39
|
53.4
|
2.7
|
54.8
|
398
|
40,710,288
|
251,950
|
25,356,386,713
|
745
|
74,224,723
|
40-44
|
54.2
|
2.2
|
53.8
|
633
|
60,468,132
|
237,270
|
22,874,883,871
|
1,169
|
112,351,853
|
45-49
|
47.2
|
1.8
|
46.3
|
686
|
58,134,829
|
180,345
|
15,420,123,939
|
1,453
|
125,531,983
|
50-54
|
49.3
|
1.9
|
51.9
|
658
|
54,848,360
|
104,560
|
8,038,486,739
|
1,336
|
105,611,880
|
55-59
|
48.0
|
2.4
|
56.2
|
399
|
32,653,250
|
43,915
|
2,942,545,519
|
832
|
58,141,212
|
60+
|
38.2
|
3.2
|
45.3
|
138
|
9,884,201
|
13,179
|
744,915,641
|
362
|
21,834,708
|
Total
|
50.2
|
0.9
|
52.5
|
3,318
|
295,704,487
|
1,322,264
|
120,111,363,220
|
6,611
|
563,741,963
|
By Attained Age
|
20-24
|
60.7
|
17.5
|
52.2
|
12
|
835,000
|
29,950
|
2,423,144,966
|
20
|
1,600,314
|
25-29
|
58.8
|
7.4
|
57.3
|
63
|
5,114,027
|
116,003
|
9,710,131,765
|
107
|
8,931,407
|
30-34
|
52.5
|
4.5
|
57.9
|
139
|
13,877,500
|
192,937
|
17,584,484,907
|
265
|
23,981,379
|
35-39
|
50.4
|
3.2
|
52.2
|
242
|
24,378,173
|
232,207
|
22,926,389,636
|
479
|
46,715,989
|
40-44
|
52.5
|
2.6
|
50.6
|
408
|
38,920,812
|
236,200
|
23,696,241,160
|
777
|
76,988,410
|
45-49
|
50.3
|
2.1
|
52.9
|
588
|
57,704,996
|
215,952
|
20,180,128,073
|
1,169
|
108,980,838
|
50-54
|
51.0
|
1.9
|
49.5
|
703
|
58,387,865
|
157,221
|
13,272,424,374
|
1,379
|
117,892,765
|
55-59
|
48.2
|
2.0
|
52.2
|
600
|
51,144,590
|
89,864
|
6,858,926,457
|
1,245
|
97,974,760
|
60-64
|
50.2
|
2.5
|
61.4
|
400
|
34,940,758
|
39,197
|
2,690,215,388
|
796
|
56,874,922
|
65+
|
43.5
|
3.4
|
43.7
|
163
|
10,400,766
|
12,734
|
769,276,494
|
375
|
23,801,179
|
Total
|
50.2
|
0.9
|
52.5
|
3,318
|
295,704,487
|
1,322,264
|
120,111,363,220
|
6,611
|
563,741,963
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.4
|
2.8
|
24.6
|
69
|
7,158,500
|
91,046
|
9,362,804,164
|
296
|
29,064,911
|
2
|
43.1
|
3.7
|
48.3
|
134
|
14,858,117
|
84,404
|
8,770,104,638
|
310
|
30,743,931
|
3
|
43.9
|
3.6
|
45.8
|
150
|
15,434,185
|
81,330
|
8,466,492,054
|
342
|
33,678,850
|
4
|
48.7
|
3.6
|
50.9
|
186
|
18,868,901
|
78,916
|
8,173,423,263
|
381
|
37,080,098
|
5
|
53.0
|
3.6
|
49.1
|
217
|
19,296,843
|
74,937
|
7,663,554,252
|
410
|
39,266,775
|
6
|
47.0
|
3.4
|
47.3
|
195
|
18,847,353
|
67,316
|
6,903,154,785
|
415
|
39,869,647
|
7+
|
52.7
|
2.0
|
55.1
|
665
|
67,093,265
|
153,388
|
15,759,269,038
|
1,262
|
121,709,204
|
Total
|
47.3
|
1.2
|
48.7
|
1,617
|
161,557,164
|
631,337
|
65,098,802,193
|
3,416
|
331,413,416
|
By Issue Age
|
20-24
|
59.0
|
15.2
|
66.3
|
15
|
1,445,000
|
35,018
|
2,997,020,534
|
25
|
2,180,500
|
25-29
|
68.9
|
9.1
|
66.4
|
57
|
5,187,500
|
79,439
|
7,454,316,965
|
83
|
7,812,773
|
30-34
|
48.2
|
5.2
|
58.2
|
87
|
11,457,500
|
112,728
|
12,161,800,784
|
181
|
19,702,646
|
35-39
|
42.5
|
3.6
|
45.0
|
140
|
16,990,101
|
122,909
|
14,022,196,584
|
331
|
37,753,575
|
40-44
|
44.7
|
2.8
|
44.7
|
257
|
28,505,671
|
116,973
|
13,042,061,883
|
574
|
63,805,591
|
45-49
|
44.5
|
2.4
|
41.6
|
342
|
31,768,577
|
87,523
|
8,735,792,794
|
768
|
76,333,539
|
50-54
|
52.6
|
2.6
|
53.5
|
400
|
36,825,845
|
50,177
|
4,561,662,674
|
760
|
68,883,448
|
55-59
|
48.2
|
3.1
|
55.5
|
236
|
21,898,642
|
20,748
|
1,682,259,560
|
489
|
39,441,604
|
60-64
|
39.6
|
4.9
|
49.0
|
66
|
6,472,964
|
4,934
|
389,562,044
|
167
|
13,223,429
|
65+
|
43.8
|
10.6
|
44.2
|
17
|
1,005,364
|
886
|
52,128,370
|
39
|
2,276,312
|
Total
|
47.3
|
1.2
|
48.7
|
1,617
|
161,557,164
|
631,337
|
65,098,802,193
|
3,416
|
331,413,416
|
By Attained Age
|
20-24
|
35.6
|
20.6
|
35.9
|
3
|
260,000
|
13,709
|
1,170,559,279
|
8
|
723,391
|
25-29
|
70.9
|
13.2
|
73.3
|
29
|
2,710,000
|
50,950
|
4,584,682,180
|
41
|
3,697,610
|
30-34
|
57.7
|
7.4
|
60.7
|
60
|
6,342,500
|
88,498
|
8,821,985,084
|
104
|
10,454,985
|
35-39
|
39.0
|
4.4
|
43.6
|
77
|
9,587,273
|
112,089
|
12,362,643,289
|
198
|
22,004,492
|
40-44
|
43.0
|
3.5
|
42.2
|
151
|
16,886,177
|
116,506
|
13,297,991,679
|
350
|
40,010,342
|
45-49
|
39.7
|
2.6
|
41.8
|
228
|
25,951,854
|
105,944
|
11,495,562,419
|
574
|
62,120,068
|
50-54
|
48.8
|
2.6
|
47.3
|
358
|
33,998,567
|
76,118
|
7,461,482,924
|
734
|
71,850,534
|
55-59
|
50.1
|
2.7
|
50.4
|
357
|
32,515,273
|
42,956
|
3,902,026,076
|
713
|
64,574,828
|
60-64
|
53.9
|
3.4
|
66.7
|
255
|
26,018,462
|
18,669
|
1,545,162,708
|
473
|
39,030,160
|
65+
|
44.9
|
4.5
|
43.0
|
99
|
7,287,058
|
5,898
|
456,706,555
|
221
|
16,947,007
|
Total
|
47.3
|
1.2
|
48.7
|
1,617
|
161,557,164
|
631,337
|
65,098,802,193
|
3,416
|
331,413,416
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 2.6
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.6
|
2.7
|
25.9
|
82
|
6,170,100
|
105,099
|
8,182,609,632
|
332
|
23,841,774
|
2
|
51.9
|
4.0
|
52.3
|
171
|
12,595,470
|
94,723
|
7,536,180,853
|
330
|
24,079,660
|
3
|
56.1
|
4.0
|
65.7
|
195
|
16,744,790
|
89,591
|
7,212,865,598
|
348
|
25,493,114
|
4
|
56.8
|
3.9
|
60.6
|
211
|
16,464,986
|
85,895
|
6,910,572,733
|
372
|
27,152,373
|
5
|
56.0
|
3.8
|
63.3
|
216
|
17,727,019
|
81,157
|
6,489,806,535
|
386
|
28,023,399
|
6
|
60.9
|
4.0
|
73.4
|
232
|
20,230,786
|
72,932
|
5,805,060,200
|
382
|
27,580,532
|
7+
|
56.8
|
2.3
|
58.1
|
593
|
44,214,172
|
161,530
|
12,875,465,476
|
1,046
|
76,157,695
|
Total
|
53.2
|
1.3
|
57.7
|
1,701
|
134,147,323
|
690,927
|
55,012,561,027
|
3,195
|
232,328,547
|
By Issue Age
|
20-24
|
60.3
|
12.6
|
57.8
|
23
|
1,672,500
|
42,455
|
3,231,907,026
|
38
|
2,894,196
|
25-29
|
50.0
|
6.1
|
60.1
|
66
|
6,601,527
|
98,388
|
8,120,919,231
|
132
|
10,986,333
|
30-34
|
61.7
|
4.9
|
56.3
|
157
|
12,641,400
|
123,017
|
10,768,056,258
|
255
|
22,469,157
|
35-39
|
62.0
|
3.9
|
65.0
|
257
|
23,720,187
|
129,041
|
11,334,190,129
|
415
|
36,471,148
|
40-44
|
63.3
|
3.3
|
65.8
|
376
|
31,962,461
|
120,297
|
9,832,821,987
|
595
|
48,546,263
|
45-49
|
50.2
|
2.7
|
53.6
|
344
|
26,366,252
|
92,821
|
6,684,331,145
|
685
|
49,198,443
|
50-54
|
44.9
|
2.8
|
49.1
|
259
|
18,022,515
|
54,383
|
3,476,824,065
|
576
|
36,728,432
|
55-59
|
47.6
|
3.7
|
57.5
|
164
|
10,754,608
|
23,167
|
1,260,285,959
|
343
|
18,699,608
|
60+
|
35.2
|
4.7
|
38.0
|
55
|
2,405,873
|
7,358
|
303,225,227
|
156
|
6,334,967
|
Total
|
53.2
|
1.3
|
57.7
|
1,701
|
134,147,323
|
690,927
|
55,012,561,027
|
3,195
|
232,328,547
|
By Attained Age
|
20-24
|
79.3
|
26.4
|
65.6
|
9
|
575,000
|
16,241
|
1,252,585,687
|
11
|
876,923
|
25-29
|
51.3
|
8.8
|
45.9
|
34
|
2,404,027
|
65,052
|
5,125,449,584
|
66
|
5,233,796
|
30-34
|
49.1
|
5.5
|
55.7
|
79
|
7,535,000
|
104,439
|
8,762,499,823
|
161
|
13,526,394
|
35-39
|
58.5
|
4.6
|
59.9
|
164
|
14,790,900
|
120,118
|
10,563,746,348
|
281
|
24,711,498
|
40-44
|
60.4
|
3.8
|
59.6
|
257
|
22,034,635
|
119,695
|
10,398,249,481
|
427
|
36,978,068
|
45-49
|
60.5
|
3.2
|
67.8
|
360
|
31,753,142
|
110,008
|
8,684,565,655
|
596
|
46,860,770
|
50-54
|
53.5
|
2.9
|
53.0
|
345
|
24,389,298
|
81,103
|
5,810,941,450
|
645
|
46,042,231
|
55-59
|
45.7
|
2.9
|
55.8
|
244
|
18,629,317
|
46,908
|
2,956,900,381
|
533
|
33,399,932
|
60-64
|
44.8
|
3.7
|
50.0
|
144
|
8,922,296
|
20,528
|
1,145,052,680
|
322
|
17,844,762
|
65+
|
41.6
|
5.2
|
45.4
|
64
|
3,113,708
|
6,836
|
312,569,938
|
154
|
6,854,172
|
Total
|
53.2
|
1.3
|
57.7
|
1,701
|
134,147,323
|
690,927
|
55,012,561,027
|
3,195
|
232,328,547
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.1
|
3.3
|
21.6
|
48
|
1,005,100
|
52,501
|
1,194,744,613
|
209
|
4,662,486
|
2
|
42.6
|
4.5
|
45.1
|
89
|
2,109,603
|
46,680
|
1,066,510,905
|
210
|
4,673,497
|
3
|
50.6
|
4.7
|
51.3
|
114
|
2,581,871
|
44,266
|
1,013,423,179
|
225
|
5,035,933
|
4
|
52.3
|
4.6
|
52.1
|
128
|
2,891,109
|
42,943
|
991,921,551
|
245
|
5,554,070
|
5
|
52.5
|
4.5
|
53.6
|
135
|
3,157,930
|
40,908
|
953,349,288
|
258
|
5,886,480
|
6
|
60.6
|
4.9
|
64.0
|
155
|
3,782,997
|
36,747
|
862,252,566
|
256
|
5,910,205
|
7+
|
57.3
|
3.0
|
57.9
|
375
|
9,019,090
|
74,837
|
1,784,841,107
|
654
|
15,564,768
|
Total
|
50.8
|
1.6
|
51.9
|
1,045
|
24,547,700
|
338,882
|
7,867,043,210
|
2,057
|
47,287,439
|
By Issue Age
|
20-24
|
71.6
|
19.1
|
86.6
|
14
|
355,000
|
23,860
|
498,749,154
|
20
|
410,042
|
25-29
|
59.0
|
11.0
|
59.4
|
29
|
656,500
|
41,195
|
928,850,631
|
49
|
1,105,421
|
30-34
|
62.1
|
8.6
|
66.8
|
52
|
1,304,450
|
45,887
|
1,066,155,325
|
84
|
1,951,821
|
35-39
|
52.2
|
6.0
|
56.0
|
76
|
1,984,581
|
49,669
|
1,197,869,196
|
146
|
3,543,381
|
40-44
|
59.8
|
4.7
|
62.4
|
162
|
4,118,787
|
55,699
|
1,352,185,211
|
271
|
6,605,755
|
45-49
|
53.5
|
3.5
|
52.8
|
232
|
5,512,100
|
55,226
|
1,324,802,385
|
433
|
10,439,261
|
50-54
|
50.9
|
3.3
|
50.2
|
244
|
5,601,925
|
38,996
|
904,229,782
|
479
|
11,165,869
|
55-59
|
44.3
|
3.4
|
44.0
|
165
|
3,523,156
|
20,679
|
442,250,281
|
373
|
8,016,082
|
60+
|
35.1
|
4.2
|
36.8
|
71
|
1,491,201
|
7,671
|
151,951,245
|
203
|
4,049,808
|
Total
|
50.8
|
1.6
|
51.9
|
1,045
|
24,547,700
|
338,882
|
7,867,043,210
|
2,057
|
47,287,439
|
By Attained Age
|
20-24
|
99.5
|
40.6
|
107.6
|
6
|
135,000
|
9,251
|
191,199,537
|
6
|
125,484
|
25-29
|
56.2
|
14.0
|
60.5
|
16
|
380,000
|
30,935
|
681,003,285
|
28
|
628,341
|
30-34
|
48.1
|
9.1
|
48.1
|
28
|
636,500
|
42,485
|
963,762,173
|
58
|
1,322,580
|
35-39
|
57.1
|
7.8
|
65.7
|
54
|
1,462,450
|
45,338
|
1,063,292,898
|
95
|
2,226,097
|
40-44
|
54.9
|
5.7
|
56.1
|
91
|
2,246,912
|
49,787
|
1,199,749,907
|
166
|
4,008,558
|
45-49
|
52.7
|
4.2
|
54.4
|
159
|
3,932,438
|
55,105
|
1,324,671,944
|
301
|
7,233,883
|
50-54
|
57.0
|
3.7
|
57.9
|
244
|
5,860,748
|
49,057
|
1,164,873,372
|
427
|
10,129,438
|
55-59
|
48.6
|
3.3
|
46.8
|
220
|
4,882,272
|
33,390
|
770,597,575
|
453
|
10,424,751
|
60-64
|
44.2
|
3.6
|
44.1
|
148
|
3,229,614
|
17,037
|
373,165,709
|
335
|
7,328,170
|
65+
|
42.5
|
4.8
|
46.2
|
79
|
1,781,766
|
6,497
|
134,726,810
|
186
|
3,860,138
|
Total
|
50.8
|
1.6
|
51.9
|
1,045
|
24,547,700
|
338,882
|
7,867,043,210
|
2,057
|
47,287,439
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.6
|
3.6
|
29.5
|
63
|
3,460,000
|
72,602
|
3,887,957,980
|
220
|
11,740,267
|
2
|
48.2
|
4.7
|
47.7
|
104
|
5,475,250
|
62,587
|
3,367,638,863
|
215
|
11,472,365
|
3
|
48.8
|
4.6
|
47.5
|
110
|
5,742,763
|
57,296
|
3,095,888,410
|
226
|
12,091,205
|
4
|
54.5
|
4.7
|
53.7
|
133
|
7,041,403
|
54,145
|
2,937,692,325
|
245
|
13,115,799
|
5
|
53.9
|
4.6
|
54.4
|
140
|
7,620,752
|
51,221
|
2,790,039,957
|
260
|
14,004,008
|
6
|
52.7
|
4.5
|
52.3
|
137
|
7,328,353
|
45,827
|
2,498,691,247
|
260
|
14,011,700
|
7+
|
55.9
|
2.6
|
56.0
|
454
|
24,565,189
|
109,836
|
5,988,628,965
|
813
|
43,843,913
|
Total
|
51.0
|
1.5
|
50.9
|
1,142
|
61,233,710
|
453,515
|
24,566,537,746
|
2,239
|
120,279,257
|
By Issue Age
|
20-24
|
41.8
|
13.9
|
41.7
|
9
|
487,500
|
26,341
|
1,431,229,040
|
22
|
1,168,405
|
25-29
|
67.3
|
9.6
|
68.0
|
49
|
2,702,527
|
61,112
|
3,335,708,361
|
73
|
3,976,984
|
30-34
|
53.9
|
6.2
|
52.6
|
76
|
4,066,570
|
77,045
|
4,215,666,295
|
141
|
7,731,479
|
35-39
|
56.2
|
4.7
|
57.2
|
143
|
7,989,304
|
85,326
|
4,665,626,981
|
255
|
13,965,889
|
40-44
|
50.9
|
3.5
|
50.6
|
214
|
11,517,746
|
85,210
|
4,603,701,356
|
421
|
22,746,593
|
45-49
|
51.4
|
3.1
|
51.7
|
273
|
14,717,603
|
66,034
|
3,535,638,647
|
531
|
28,452,338
|
50-54
|
47.6
|
3.2
|
46.2
|
219
|
11,308,133
|
36,262
|
1,922,812,096
|
460
|
24,450,996
|
55-59
|
49.7
|
4.5
|
50.3
|
123
|
6,571,327
|
12,916
|
683,453,932
|
247
|
13,070,210
|
60-64
|
35.7
|
6.9
|
36.0
|
27
|
1,438,000
|
2,893
|
152,837,298
|
76
|
3,995,143
|
65+
|
59.1
|
20.9
|
60.3
|
8
|
435,000
|
376
|
19,863,741
|
14
|
721,221
|
Total
|
51.0
|
1.5
|
50.9
|
1,142
|
61,233,710
|
453,515
|
24,566,537,746
|
2,239
|
120,279,257
|
By Attained Age
|
20-24
|
28.7
|
20.3
|
26.5
|
2
|
100,000
|
10,549
|
570,890,678
|
7
|
376,966
|
25-29
|
63.5
|
13.0
|
67.1
|
24
|
1,374,027
|
40,975
|
2,221,500,994
|
38
|
2,048,263
|
30-34
|
65.3
|
8.5
|
64.3
|
59
|
3,163,870
|
65,809
|
3,585,746,222
|
90
|
4,919,295
|
35-39
|
46.3
|
5.5
|
45.6
|
72
|
3,875,973
|
75,144
|
4,110,553,544
|
156
|
8,496,221
|
40-44
|
49.3
|
4.3
|
49.4
|
130
|
7,103,252
|
79,810
|
4,348,361,454
|
264
|
14,381,183
|
45-49
|
52.2
|
3.5
|
52.4
|
220
|
11,920,212
|
77,818
|
4,215,468,815
|
420
|
22,749,635
|
50-54
|
49.8
|
3.2
|
49.7
|
246
|
13,125,616
|
56,772
|
3,037,487,685
|
494
|
26,429,725
|
55-59
|
52.8
|
3.5
|
52.2
|
222
|
11,684,683
|
30,781
|
1,638,086,672
|
420
|
22,382,749
|
60-64
|
50.1
|
4.5
|
50.0
|
122
|
6,463,077
|
12,217
|
646,091,446
|
244
|
12,925,545
|
65+
|
42.8
|
6.4
|
43.5
|
45
|
2,423,000
|
3,639
|
192,350,237
|
105
|
5,569,676
|
Total
|
51.0
|
1.5
|
50.9
|
1,142
|
61,233,710
|
453,515
|
24,566,537,746
|
2,239
|
120,279,257
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.8
|
3.4
|
23.9
|
54
|
5,995,000
|
82,436
|
9,394,913,362
|
219
|
25,098,756
|
2
|
57.0
|
4.9
|
57.4
|
133
|
15,402,200
|
79,310
|
9,036,089,802
|
234
|
26,812,604
|
3
|
60.4
|
4.8
|
61.2
|
156
|
18,111,000
|
78,245
|
8,922,496,580
|
258
|
29,608,379
|
4
|
51.9
|
4.3
|
51.2
|
147
|
16,620,000
|
75,985
|
8,666,250,951
|
284
|
32,488,469
|
5
|
60.2
|
4.5
|
60.8
|
180
|
20,844,785
|
71,732
|
8,191,920,320
|
299
|
34,300,633
|
6
|
54.0
|
4.2
|
52.0
|
162
|
17,952,417
|
64,479
|
7,377,612,936
|
301
|
34,520,055
|
7+
|
56.8
|
2.5
|
57.5
|
505
|
58,762,137
|
143,302
|
16,428,401,186
|
890
|
102,225,296
|
Total
|
53.9
|
1.5
|
53.9
|
1,339
|
153,687,539
|
595,490
|
68,017,685,136
|
2,485
|
285,054,192
|
By Issue Age
|
20-24
|
70.9
|
14.8
|
65.7
|
23
|
2,375,000
|
39,539
|
4,414,818,888
|
32
|
3,614,504
|
25-29
|
56.7
|
7.0
|
54.6
|
65
|
7,035,880
|
94,999
|
10,665,633,839
|
115
|
12,882,650
|
30-34
|
55.8
|
4.9
|
57.6
|
129
|
15,217,000
|
125,072
|
14,277,033,383
|
232
|
26,436,212
|
35-39
|
58.6
|
4.0
|
59.4
|
214
|
24,998,137
|
123,876
|
14,258,363,123
|
365
|
42,055,012
|
40-44
|
56.9
|
3.4
|
57.0
|
288
|
33,407,750
|
102,436
|
11,849,506,809
|
506
|
58,558,972
|
45-49
|
51.3
|
3.1
|
51.6
|
271
|
31,288,700
|
64,579
|
7,414,211,336
|
528
|
60,654,045
|
50-54
|
50.7
|
3.5
|
50.6
|
214
|
24,606,705
|
31,847
|
3,659,294,254
|
422
|
48,598,116
|
55-59
|
47.3
|
4.7
|
45.2
|
102
|
11,058,367
|
10,804
|
1,218,464,983
|
216
|
24,475,901
|
60-64
|
47.8
|
9.0
|
48.3
|
28
|
3,200,000
|
2,040
|
228,489,776
|
59
|
6,619,070
|
65+
|
46.8
|
20.9
|
43.1
|
5
|
500,000
|
296
|
31,868,744
|
11
|
1,159,711
|
Total
|
53.9
|
1.5
|
53.9
|
1,339
|
153,687,539
|
595,490
|
68,017,685,136
|
2,485
|
285,054,192
|
By Attained Age
|
20-24
|
61.6
|
25.2
|
59.5
|
6
|
650,000
|
14,706
|
1,651,113,925
|
10
|
1,092,421
|
25-29
|
54.5
|
10.0
|
52.2
|
30
|
3,205,000
|
59,994
|
6,698,835,622
|
55
|
6,139,907
|
30-34
|
58.9
|
6.5
|
58.6
|
81
|
9,090,880
|
101,200
|
11,425,475,479
|
138
|
15,524,440
|
35-39
|
50.4
|
4.5
|
50.6
|
124
|
14,270,000
|
120,640
|
13,799,070,684
|
247
|
28,175,307
|
40-44
|
59.9
|
4.0
|
61.4
|
220
|
26,044,052
|
113,012
|
13,045,253,125
|
368
|
42,430,009
|
45-49
|
55.8
|
3.4
|
55.8
|
269
|
31,024,335
|
89,427
|
10,338,123,811
|
482
|
55,645,894
|
50-54
|
53.5
|
3.3
|
52.8
|
263
|
29,970,700
|
55,858
|
6,431,788,553
|
492
|
56,808,402
|
55-59
|
47.2
|
3.5
|
47.7
|
184
|
21,358,905
|
27,578
|
3,148,728,434
|
391
|
44,784,488
|
60-64
|
54.3
|
5.0
|
53.3
|
120
|
13,422,667
|
10,404
|
1,180,325,599
|
221
|
25,190,682
|
65+
|
49.8
|
7.8
|
50.2
|
41
|
4,651,000
|
2,671
|
298,969,904
|
82
|
9,262,643
|
Total
|
53.9
|
1.5
|
53.9
|
1,339
|
153,687,539
|
595,490
|
68,017,685,136
|
2,485
|
285,054,192
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
42.6
|
10.3
|
33.8
|
17
|
5,037,500
|
12,635
|
4,604,254,576
|
40
|
14,917,390
|
2
|
43.3
|
10.2
|
46.9
|
18
|
7,161,667
|
11,665
|
4,185,339,493
|
42
|
15,282,051
|
3
|
48.0
|
10.4
|
53.8
|
21
|
8,628,349
|
10,907
|
3,900,360,392
|
44
|
16,036,569
|
4
|
64.7
|
11.8
|
66.1
|
30
|
11,125,000
|
10,267
|
3,646,965,816
|
46
|
16,825,443
|
5
|
65.8
|
11.8
|
54.1
|
31
|
9,150,000
|
9,317
|
3,273,067,992
|
47
|
16,898,867
|
6
|
68.5
|
12.1
|
78.4
|
32
|
13,160,000
|
8,317
|
2,912,718,885
|
47
|
16,788,983
|
7+
|
64.2
|
7.0
|
59.2
|
85
|
27,870,000
|
18,606
|
6,467,035,160
|
133
|
47,102,012
|
Total
|
58.8
|
3.8
|
57.1
|
235
|
82,132,516
|
81,714
|
28,989,742,313
|
399
|
143,851,314
|
By Issue Age
|
20-24
|
50.1
|
50.1
|
41.8
|
1
|
250,000
|
2,591
|
779,822,898
|
2
|
598,799
|
25-29
|
91.2
|
32.2
|
124.7
|
8
|
3,560,000
|
7,537
|
2,449,762,703
|
9
|
2,854,490
|
30-34
|
65.3
|
15.4
|
67.0
|
18
|
6,360,000
|
15,400
|
5,340,348,078
|
28
|
9,495,264
|
35-39
|
49.7
|
9.4
|
49.4
|
28
|
9,835,000
|
19,822
|
7,057,283,278
|
56
|
19,907,336
|
40-44
|
65.2
|
8.7
|
52.8
|
56
|
16,655,849
|
17,699
|
6,540,718,842
|
86
|
31,555,186
|
45-49
|
42.6
|
6.9
|
43.7
|
38
|
14,436,667
|
10,958
|
4,031,348,430
|
90
|
33,017,536
|
50-54
|
59.4
|
9.2
|
59.5
|
42
|
15,435,000
|
5,236
|
1,907,520,886
|
71
|
25,942,778
|
55-59
|
82.7
|
14.2
|
85.1
|
34
|
12,450,000
|
1,973
|
702,329,939
|
41
|
14,622,944
|
60-64
|
56.1
|
19.8
|
55.1
|
8
|
2,900,000
|
452
|
166,744,247
|
14
|
5,261,774
|
65+
|
50.5
|
50.5
|
42.0
|
1
|
250,000
|
46
|
13,863,014
|
2
|
595,206
|
Total
|
58.8
|
3.8
|
57.1
|
235
|
82,132,516
|
81,714
|
28,989,742,313
|
399
|
143,851,314
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,152
|
349,695,583
|
1
|
225,914
|
25-29
|
73.8
|
42.6
|
77.7
|
3
|
1,000,000
|
4,529
|
1,434,534,625
|
4
|
1,286,971
|
30-34
|
68.0
|
22.6
|
84.1
|
9
|
3,810,000
|
9,954
|
3,397,813,645
|
13
|
4,528,692
|
35-39
|
61.7
|
13.8
|
58.2
|
20
|
6,585,000
|
16,374
|
5,730,979,455
|
32
|
11,307,798
|
40-44
|
42.7
|
8.5
|
36.8
|
25
|
7,885,849
|
18,505
|
6,754,204,729
|
59
|
21,444,234
|
45-49
|
61.4
|
8.6
|
60.0
|
51
|
18,220,000
|
15,358
|
5,609,109,194
|
83
|
30,346,956
|
50-54
|
50.6
|
7.7
|
45.4
|
43
|
14,031,667
|
9,323
|
3,363,684,179
|
85
|
30,909,839
|
55-59
|
62.8
|
9.7
|
64.7
|
42
|
15,900,000
|
4,395
|
1,597,941,036
|
67
|
24,578,992
|
60-64
|
89.1
|
15.3
|
94.1
|
34
|
12,750,000
|
1,668
|
589,871,327
|
38
|
13,547,411
|
65+
|
44.2
|
16.7
|
34.4
|
7
|
1,950,000
|
454
|
161,908,541
|
16
|
5,674,506
|
Total
|
58.8
|
3.8
|
57.1
|
235
|
82,132,516
|
81,714
|
28,989,742,313
|
399
|
143,851,314
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.3
|
5.5
|
23.6
|
23
|
462,000
|
21,587
|
491,105,712
|
88
|
1,959,520
|
2
|
31.6
|
5.9
|
33.5
|
28
|
669,000
|
19,238
|
438,897,736
|
90
|
1,996,258
|
3
|
42.6
|
6.6
|
42.5
|
42
|
943,571
|
18,465
|
421,771,217
|
99
|
2,220,462
|
4
|
49.9
|
6.7
|
51.6
|
55
|
1,292,358
|
17,970
|
414,169,930
|
111
|
2,504,556
|
5
|
51.0
|
6.6
|
52.5
|
60
|
1,410,438
|
17,126
|
397,880,177
|
118
|
2,686,574
|
6
|
50.7
|
6.5
|
53.4
|
60
|
1,452,461
|
15,310
|
357,777,514
|
118
|
2,720,535
|
7+
|
57.0
|
4.2
|
59.1
|
181
|
4,450,698
|
31,920
|
755,196,689
|
318
|
7,525,610
|
Total
|
47.8
|
2.3
|
49.4
|
450
|
10,680,526
|
141,615
|
3,276,798,974
|
941
|
21,613,516
|
By Issue Age
|
20-24
|
40.8
|
23.6
|
62.0
|
3
|
95,000
|
10,234
|
212,648,633
|
7
|
153,254
|
25-29
|
61.6
|
18.6
|
76.2
|
11
|
306,500
|
17,577
|
397,156,973
|
18
|
402,453
|
30-34
|
42.2
|
11.7
|
40.3
|
13
|
286,250
|
19,751
|
454,668,101
|
31
|
710,631
|
35-39
|
54.1
|
9.8
|
55.6
|
30
|
747,581
|
21,237
|
507,630,132
|
56
|
1,345,105
|
40-44
|
60.5
|
7.3
|
61.6
|
68
|
1,685,379
|
23,328
|
563,752,616
|
113
|
2,735,987
|
45-49
|
51.7
|
5.1
|
54.1
|
101
|
2,546,418
|
22,834
|
544,018,704
|
196
|
4,704,369
|
50-54
|
48.4
|
4.5
|
46.9
|
114
|
2,561,522
|
15,775
|
364,419,999
|
234
|
5,460,524
|
55-59
|
40.5
|
4.6
|
42.4
|
76
|
1,726,548
|
8,093
|
175,189,100
|
188
|
4,074,020
|
60+
|
34.6
|
5.9
|
35.8
|
34
|
725,328
|
2,786
|
57,314,717
|
98
|
2,027,174
|
Total
|
47.8
|
2.3
|
49.4
|
450
|
10,680,526
|
141,615
|
3,276,798,974
|
941
|
21,613,516
|
By Attained Age
|
20-24
|
41.0
|
41.0
|
19.8
|
1
|
10,000
|
4,063
|
83,595,292
|
2
|
50,611
|
25-29
|
48.6
|
21.7
|
72.3
|
5
|
165,000
|
13,007
|
287,238,018
|
10
|
228,307
|
30-34
|
52.5
|
15.8
|
57.5
|
11
|
271,500
|
18,134
|
408,104,875
|
21
|
471,952
|
35-39
|
47.5
|
11.9
|
53.2
|
16
|
418,250
|
19,225
|
447,750,820
|
34
|
785,860
|
40-44
|
47.0
|
8.5
|
46.5
|
30
|
715,581
|
21,401
|
510,931,377
|
64
|
1,537,477
|
45-49
|
54.4
|
6.6
|
55.2
|
68
|
1,665,419
|
22,996
|
552,112,516
|
126
|
3,016,433
|
50-54
|
54.5
|
5.3
|
56.7
|
108
|
2,630,700
|
20,327
|
479,059,617
|
197
|
4,643,268
|
55-59
|
42.1
|
4.3
|
41.0
|
94
|
2,105,700
|
13,347
|
308,155,735
|
223
|
5,140,827
|
60-64
|
44.6
|
5.1
|
47.1
|
76
|
1,775,318
|
6,688
|
147,965,651
|
171
|
3,765,909
|
65+
|
44.3
|
6.9
|
46.8
|
41
|
923,058
|
2,427
|
51,885,074
|
93
|
1,972,873
|
Total
|
47.8
|
2.3
|
49.4
|
450
|
10,680,526
|
141,615
|
3,276,798,974
|
941
|
21,613,516
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.3
|
5.3
|
28.5
|
28
|
1,515,000
|
32,422
|
1,750,125,625
|
99
|
5,323,809
|
2
|
50.3
|
7.1
|
49.3
|
50
|
2,655,250
|
28,441
|
1,543,429,774
|
100
|
5,390,218
|
3
|
53.8
|
7.1
|
51.3
|
58
|
2,978,773
|
26,216
|
1,428,001,627
|
108
|
5,802,878
|
4
|
52.4
|
6.6
|
50.2
|
62
|
3,216,543
|
24,902
|
1,361,810,755
|
119
|
6,408,891
|
5
|
55.2
|
6.5
|
55.1
|
71
|
3,837,100
|
23,608
|
1,295,180,164
|
129
|
6,959,195
|
6
|
55.4
|
6.5
|
54.4
|
72
|
3,821,725
|
21,042
|
1,154,268,469
|
130
|
7,019,950
|
7+
|
54.5
|
3.6
|
54.3
|
228
|
12,285,332
|
49,970
|
2,734,932,845
|
419
|
22,635,629
|
Total
|
51.6
|
2.2
|
50.9
|
570
|
30,309,723
|
206,602
|
11,267,749,261
|
1,103
|
59,540,571
|
By Issue Age
|
20-24
|
23.0
|
16.2
|
21.1
|
2
|
100,000
|
12,015
|
655,286,029
|
9
|
474,923
|
25-29
|
89.9
|
18.0
|
88.9
|
25
|
1,361,000
|
27,144
|
1,491,935,511
|
28
|
1,530,160
|
30-34
|
40.3
|
8.6
|
37.0
|
22
|
1,117,500
|
34,840
|
1,919,914,735
|
55
|
3,021,958
|
35-39
|
45.0
|
6.6
|
45.3
|
47
|
2,605,520
|
38,675
|
2,130,709,073
|
104
|
5,751,737
|
40-44
|
41.1
|
4.6
|
41.2
|
79
|
4,307,443
|
39,157
|
2,131,057,918
|
192
|
10,448,409
|
45-49
|
53.8
|
4.5
|
53.2
|
144
|
7,668,800
|
30,548
|
1,644,643,571
|
268
|
14,401,661
|
50-54
|
58.1
|
4.8
|
56.4
|
147
|
7,643,133
|
16,726
|
894,757,007
|
253
|
13,541,614
|
55-59
|
56.2
|
6.2
|
56.1
|
82
|
4,343,327
|
6,093
|
325,357,542
|
145
|
7,740,253
|
60-64
|
41.7
|
10.1
|
41.5
|
17
|
888,000
|
1,195
|
62,792,010
|
41
|
2,139,017
|
65+
|
55.3
|
24.7
|
56.0
|
5
|
275,000
|
209
|
11,295,864
|
9
|
490,838
|
Total
|
51.6
|
2.2
|
50.9
|
570
|
30,309,723
|
206,602
|
11,267,749,261
|
1,103
|
59,540,571
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4,912
|
266,651,535
|
3
|
164,099
|
25-29
|
90.1
|
25.0
|
88.4
|
13
|
695,000
|
18,011
|
982,230,119
|
14
|
786,215
|
30-34
|
61.7
|
13.5
|
59.8
|
21
|
1,116,000
|
29,156
|
1,601,072,218
|
34
|
1,867,691
|
35-39
|
36.3
|
7.7
|
32.8
|
22
|
1,102,273
|
34,515
|
1,906,686,509
|
61
|
3,355,962
|
40-44
|
35.3
|
5.6
|
36.2
|
39
|
2,190,747
|
36,721
|
2,011,575,392
|
111
|
6,050,863
|
45-49
|
47.2
|
4.9
|
46.7
|
91
|
4,907,943
|
35,753
|
1,949,674,748
|
193
|
10,516,432
|
50-54
|
48.9
|
4.4
|
48.4
|
123
|
6,532,500
|
26,155
|
1,405,914,540
|
252
|
13,510,545
|
55-59
|
65.3
|
5.3
|
64.5
|
152
|
8,017,183
|
14,064
|
754,305,645
|
232
|
12,435,344
|
60-64
|
58.4
|
6.4
|
57.1
|
83
|
4,335,077
|
5,651
|
301,310,312
|
142
|
7,585,682
|
65+
|
42.3
|
8.3
|
43.2
|
26
|
1,413,000
|
1,663
|
88,328,241
|
62
|
3,267,736
|
Total
|
51.6
|
2.2
|
50.9
|
570
|
30,309,723
|
206,602
|
11,267,749,261
|
1,103
|
59,540,571
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.8
|
4.7
|
24.4
|
28
|
3,240,000
|
42,357
|
4,898,898,642
|
114
|
13,253,891
|
2
|
53.0
|
6.6
|
55.1
|
65
|
7,892,200
|
40,856
|
4,717,551,943
|
123
|
14,320,656
|
3
|
49.8
|
6.0
|
48.8
|
69
|
7,822,500
|
40,361
|
4,660,650,785
|
138
|
16,029,089
|
4
|
45.0
|
5.4
|
44.0
|
69
|
7,880,000
|
39,246
|
4,534,078,518
|
154
|
17,909,620
|
5
|
56.4
|
5.8
|
55.5
|
93
|
10,648,905
|
37,090
|
4,288,885,222
|
165
|
19,198,472
|
6
|
41.2
|
4.9
|
39.9
|
69
|
7,809,667
|
33,373
|
3,871,418,800
|
168
|
19,587,993
|
7+
|
52.8
|
3.2
|
54.2
|
278
|
33,208,085
|
75,507
|
8,779,434,076
|
527
|
61,294,726
|
Total
|
48.4
|
1.9
|
48.6
|
672
|
78,501,357
|
308,789
|
35,750,917,987
|
1,388
|
161,594,446
|
By Issue Age
|
20-24
|
77.8
|
23.5
|
72.6
|
11
|
1,150,000
|
19,311
|
2,167,429,497
|
14
|
1,585,099
|
25-29
|
64.8
|
11.6
|
59.6
|
31
|
3,230,000
|
45,778
|
5,174,198,561
|
48
|
5,416,349
|
30-34
|
52.1
|
7.1
|
55.1
|
54
|
6,610,000
|
64,198
|
7,418,262,003
|
104
|
11,998,486
|
35-39
|
46.7
|
5.2
|
47.1
|
81
|
9,581,085
|
64,507
|
7,534,808,366
|
174
|
20,341,295
|
40-44
|
45.0
|
4.1
|
44.8
|
122
|
14,257,000
|
54,870
|
6,445,645,092
|
270
|
31,805,014
|
45-49
|
44.3
|
3.8
|
45.0
|
136
|
16,148,200
|
34,744
|
4,055,529,187
|
308
|
35,882,655
|
50-54
|
53.4
|
4.4
|
54.5
|
145
|
17,331,705
|
17,725
|
2,077,870,122
|
272
|
31,790,708
|
55-59
|
46.1
|
5.6
|
44.7
|
68
|
7,568,367
|
6,210
|
711,409,295
|
148
|
16,942,698
|
60-64
|
46.3
|
10.4
|
46.8
|
20
|
2,325,000
|
1,267
|
145,769,027
|
43
|
4,971,129
|
65+
|
38.7
|
22.3
|
34.8
|
3
|
300,000
|
180
|
19,996,837
|
8
|
861,014
|
Total
|
48.4
|
1.9
|
48.6
|
672
|
78,501,357
|
308,789
|
35,750,917,987
|
1,388
|
161,594,446
|
By Attained Age
|
20-24
|
44.7
|
31.6
|
49.5
|
2
|
250,000
|
7,219
|
814,480,746
|
4
|
505,089
|
25-29
|
60.5
|
16.2
|
58.8
|
14
|
1,530,000
|
28,770
|
3,231,699,790
|
23
|
2,601,710
|
30-34
|
69.1
|
10.8
|
67.7
|
41
|
4,585,000
|
50,378
|
5,747,227,296
|
59
|
6,772,771
|
35-39
|
40.2
|
6.0
|
39.4
|
44
|
5,020,000
|
62,117
|
7,183,793,996
|
110
|
12,729,787
|
40-44
|
53.6
|
5.5
|
53.4
|
95
|
11,135,000
|
59,364
|
6,959,298,829
|
178
|
20,847,049
|
45-49
|
37.4
|
3.8
|
38.6
|
96
|
11,688,085
|
47,878
|
5,622,976,596
|
258
|
30,274,364
|
50-54
|
50.5
|
4.2
|
50.4
|
146
|
17,030,700
|
30,042
|
3,521,803,244
|
288
|
33,803,606
|
55-59
|
48.2
|
4.4
|
49.3
|
121
|
14,438,905
|
15,225
|
1,773,227,750
|
252
|
29,291,180
|
60-64
|
51.6
|
5.8
|
51.6
|
80
|
9,222,667
|
6,144
|
708,611,429
|
155
|
17,871,635
|
65+
|
52.8
|
9.3
|
52.2
|
32
|
3,601,000
|
1,653
|
187,798,313
|
61
|
6,897,256
|
Total
|
48.4
|
1.9
|
48.6
|
672
|
78,501,357
|
308,789
|
35,750,917,987
|
1,388
|
161,594,446
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
39.8
|
12.0
|
33.1
|
11
|
3,537,500
|
8,481
|
3,207,822,783
|
28
|
10,671,371
|
2
|
51.1
|
13.2
|
50.9
|
15
|
5,651,667
|
7,868
|
2,922,628,783
|
29
|
11,107,628
|
3
|
45.2
|
12.0
|
44.6
|
14
|
5,268,349
|
7,374
|
2,736,681,993
|
31
|
11,810,411
|
4
|
60.1
|
13.4
|
62.9
|
20
|
7,875,000
|
6,988
|
2,572,541,666
|
33
|
12,510,284
|
5
|
52.6
|
12.4
|
43.5
|
18
|
5,525,000
|
6,377
|
2,319,695,717
|
34
|
12,697,946
|
6
|
52.1
|
12.3
|
55.9
|
18
|
7,180,000
|
5,765
|
2,093,388,111
|
35
|
12,850,439
|
7+
|
68.2
|
8.2
|
62.5
|
69
|
23,210,000
|
13,137
|
4,731,494,230
|
101
|
37,127,959
|
Total
|
56.6
|
4.4
|
53.5
|
165
|
58,247,516
|
55,990
|
20,584,253,282
|
292
|
108,776,037
|
By Issue Age
|
20-24
|
88.5
|
88.5
|
71.7
|
1
|
250,000
|
1,574
|
485,579,572
|
1
|
348,557
|
25-29
|
83.7
|
41.8
|
75.7
|
4
|
1,200,000
|
4,532
|
1,504,571,823
|
5
|
1,584,323
|
30-34
|
78.3
|
21.7
|
85.3
|
13
|
5,110,000
|
10,148
|
3,651,572,415
|
17
|
5,989,335
|
35-39
|
51.8
|
11.9
|
49.7
|
19
|
6,660,000
|
13,636
|
5,005,403,139
|
37
|
13,410,899
|
40-44
|
64.2
|
10.3
|
50.9
|
39
|
11,765,849
|
12,548
|
4,802,829,189
|
61
|
23,121,755
|
45-49
|
40.4
|
7.8
|
40.3
|
27
|
10,386,667
|
7,848
|
3,021,658,840
|
67
|
25,802,804
|
50-54
|
49.8
|
9.4
|
50.9
|
28
|
10,725,000
|
3,821
|
1,427,327,505
|
56
|
21,062,043
|
55-59
|
74.9
|
15.0
|
74.5
|
25
|
9,000,000
|
1,455
|
529,928,464
|
33
|
12,088,099
|
60-64
|
61.3
|
21.7
|
60.3
|
8
|
2,900,000
|
386
|
142,769,320
|
13
|
4,811,725
|
65+
|
54.8
|
54.8
|
44.9
|
1
|
250,000
|
41
|
12,613,014
|
2
|
556,497
|
Total
|
56.6
|
4.4
|
53.5
|
165
|
58,247,516
|
55,990
|
20,584,253,282
|
292
|
108,776,037
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
669
|
209,717,315
|
0
|
128,897
|
25-29
|
90.8
|
64.2
|
90.5
|
2
|
650,000
|
2,705
|
879,672,942
|
2
|
717,980
|
30-34
|
79.4
|
32.4
|
67.5
|
6
|
1,800,000
|
6,260
|
2,202,981,059
|
8
|
2,668,409
|
35-39
|
50.8
|
16.0
|
56.8
|
10
|
4,060,000
|
10,973
|
3,972,124,017
|
20
|
7,153,975
|
40-44
|
51.8
|
11.5
|
40.1
|
20
|
5,875,849
|
12,875
|
4,847,647,519
|
39
|
14,654,365
|
45-49
|
58.8
|
9.9
|
55.5
|
35
|
12,540,000
|
10,998
|
4,173,877,950
|
60
|
22,597,940
|
50-54
|
48.9
|
8.8
|
44.4
|
31
|
10,621,667
|
6,615
|
2,478,227,558
|
64
|
23,902,858
|
55-59
|
48.0
|
9.4
|
47.4
|
26
|
9,700,000
|
3,280
|
1,233,616,326
|
54
|
20,453,784
|
60-64
|
92.4
|
17.2
|
100.3
|
29
|
11,350,000
|
1,236
|
447,777,422
|
31
|
11,320,763
|
65+
|
42.1
|
17.2
|
31.9
|
6
|
1,650,000
|
380
|
138,611,175
|
14
|
5,177,064
|
Total
|
56.6
|
4.4
|
53.5
|
165
|
58,247,516
|
55,990
|
20,584,253,282
|
292
|
108,776,037
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.8
|
4.1
|
20.1
|
25
|
543,100
|
30,914
|
703,638,901
|
121
|
2,702,965
|
2
|
50.9
|
6.5
|
53.8
|
61
|
1,440,603
|
27,442
|
627,613,168
|
120
|
2,677,239
|
3
|
56.8
|
6.7
|
58.2
|
71
|
1,638,300
|
25,801
|
591,651,962
|
126
|
2,815,471
|
4
|
54.3
|
6.4
|
52.4
|
73
|
1,598,751
|
24,973
|
577,751,622
|
135
|
3,049,514
|
5
|
53.7
|
6.2
|
54.6
|
75
|
1,747,492
|
23,781
|
555,469,111
|
140
|
3,199,906
|
6
|
69.0
|
7.1
|
73.1
|
95
|
2,330,536
|
21,438
|
504,475,052
|
138
|
3,189,670
|
7+
|
57.7
|
4.1
|
56.8
|
194
|
4,568,392
|
42,917
|
1,029,644,418
|
336
|
8,039,158
|
Total
|
53.3
|
2.2
|
54.0
|
595
|
13,867,174
|
197,267
|
4,590,244,235
|
1,116
|
25,673,923
|
By Issue Age
|
20-24
|
90.1
|
27.2
|
101.3
|
11
|
260,000
|
13,627
|
286,100,520
|
12
|
256,788
|
25-29
|
57.5
|
13.6
|
49.8
|
18
|
350,000
|
23,618
|
531,693,658
|
31
|
702,969
|
30-34
|
73.7
|
11.8
|
82.0
|
39
|
1,018,200
|
26,136
|
611,487,224
|
53
|
1,241,190
|
35-39
|
51.0
|
7.5
|
56.3
|
46
|
1,237,000
|
28,432
|
690,239,063
|
90
|
2,198,275
|
40-44
|
59.3
|
6.1
|
62.9
|
94
|
2,433,408
|
32,371
|
788,432,595
|
159
|
3,869,768
|
45-49
|
55.1
|
4.8
|
51.7
|
130
|
2,965,682
|
32,393
|
780,783,682
|
236
|
5,734,893
|
50-54
|
53.3
|
4.7
|
53.3
|
130
|
3,040,403
|
23,221
|
539,809,783
|
244
|
5,705,345
|
55-59
|
48.3
|
5.1
|
45.6
|
89
|
1,796,608
|
12,585
|
267,061,181
|
185
|
3,942,062
|
60+
|
35.5
|
5.8
|
37.9
|
37
|
765,873
|
4,885
|
94,636,529
|
104
|
2,022,634
|
Total
|
53.3
|
2.2
|
54.0
|
595
|
13,867,174
|
197,267
|
4,590,244,235
|
1,116
|
25,673,923
|
By Attained Age
|
20-24
|
139.2
|
62.2
|
166.9
|
5
|
125,000
|
5,188
|
107,604,246
|
4
|
74,873
|
25-29
|
60.5
|
18.2
|
53.7
|
11
|
215,000
|
17,928
|
393,765,267
|
18
|
400,035
|
30-34
|
45.6
|
11.1
|
42.9
|
17
|
365,000
|
24,352
|
555,657,298
|
37
|
850,628
|
35-39
|
62.4
|
10.1
|
72.5
|
38
|
1,044,200
|
26,113
|
615,542,078
|
61
|
1,440,237
|
40-44
|
59.9
|
7.7
|
62.0
|
61
|
1,531,331
|
28,386
|
688,818,530
|
102
|
2,471,081
|
45-49
|
51.4
|
5.4
|
53.8
|
90
|
2,267,019
|
32,109
|
772,559,428
|
176
|
4,217,450
|
50-54
|
59.1
|
5.1
|
58.9
|
136
|
3,230,048
|
28,730
|
685,813,755
|
230
|
5,486,169
|
55-59
|
54.9
|
4.9
|
52.5
|
126
|
2,776,572
|
20,042
|
462,441,840
|
230
|
5,283,924
|
60-64
|
43.9
|
5.2
|
40.8
|
72
|
1,454,296
|
10,349
|
225,200,058
|
165
|
3,562,261
|
65+
|
40.7
|
6.6
|
45.5
|
38
|
858,708
|
4,070
|
82,841,736
|
93
|
1,887,265
|
Total
|
53.3
|
2.2
|
54.0
|
595
|
13,867,174
|
197,267
|
4,590,244,235
|
1,116
|
25,673,923
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.9
|
4.9
|
30.3
|
35
|
1,945,000
|
40,179
|
2,137,832,354
|
121
|
6,416,458
|
2
|
46.4
|
6.4
|
46.4
|
53
|
2,820,000
|
34,146
|
1,824,209,089
|
115
|
6,082,147
|
3
|
44.2
|
6.1
|
44.0
|
52
|
2,763,990
|
31,080
|
1,667,886,782
|
118
|
6,288,327
|
4
|
56.5
|
6.7
|
57.0
|
71
|
3,824,860
|
29,243
|
1,575,881,569
|
126
|
6,706,907
|
5
|
52.7
|
6.3
|
53.7
|
69
|
3,783,652
|
27,614
|
1,494,859,792
|
131
|
7,044,814
|
6
|
50.1
|
6.2
|
50.2
|
65
|
3,506,628
|
24,785
|
1,344,422,778
|
130
|
6,991,750
|
7+
|
57.3
|
3.8
|
57.9
|
226
|
12,279,857
|
59,866
|
3,253,696,119
|
395
|
21,208,283
|
Total
|
50.4
|
2.1
|
50.9
|
572
|
30,923,987
|
246,912
|
13,298,788,486
|
1,136
|
60,738,686
|
By Issue Age
|
20-24
|
54.7
|
20.7
|
55.9
|
7
|
387,500
|
14,326
|
775,943,011
|
13
|
693,482
|
25-29
|
53.4
|
10.9
|
54.8
|
24
|
1,341,527
|
33,968
|
1,843,772,850
|
45
|
2,446,824
|
30-34
|
62.5
|
8.5
|
62.6
|
54
|
2,949,070
|
42,206
|
2,295,751,560
|
86
|
4,709,520
|
35-39
|
63.8
|
6.5
|
65.5
|
96
|
5,383,784
|
46,651
|
2,534,917,908
|
151
|
8,214,151
|
40-44
|
59.2
|
5.1
|
58.6
|
135
|
7,210,303
|
46,053
|
2,472,643,438
|
229
|
12,298,184
|
45-49
|
49.0
|
4.3
|
50.2
|
129
|
7,048,803
|
35,486
|
1,890,995,075
|
264
|
14,050,677
|
50-54
|
34.8
|
4.1
|
33.6
|
72
|
3,665,000
|
19,535
|
1,028,055,089
|
207
|
10,909,382
|
55-59
|
40.5
|
6.3
|
41.8
|
41
|
2,228,000
|
6,822
|
358,096,390
|
102
|
5,329,957
|
60+
|
32.9
|
9.1
|
34.0
|
13
|
710,000
|
1,865
|
98,613,165
|
39
|
2,086,509
|
Total
|
50.4
|
2.1
|
50.9
|
572
|
30,923,987
|
246,912
|
13,298,788,486
|
1,136
|
60,738,686
|
By Attained Age
|
20-24
|
50.7
|
35.8
|
47.0
|
2
|
100,000
|
5,637
|
304,239,142
|
4
|
212,867
|
25-29
|
47.0
|
14.2
|
53.8
|
11
|
679,027
|
22,964
|
1,239,270,874
|
23
|
1,262,048
|
30-34
|
67.4
|
10.9
|
67.1
|
38
|
2,047,870
|
36,653
|
1,984,674,003
|
56
|
3,051,603
|
35-39
|
52.7
|
7.5
|
54.0
|
50
|
2,773,700
|
40,628
|
2,203,867,035
|
95
|
5,140,259
|
40-44
|
59.4
|
6.2
|
59.0
|
91
|
4,912,505
|
43,090
|
2,336,786,062
|
154
|
8,330,320
|
45-49
|
56.5
|
5.0
|
57.3
|
128
|
7,012,269
|
42,065
|
2,265,794,067
|
227
|
12,233,202
|
50-54
|
50.7
|
4.6
|
51.0
|
123
|
6,593,116
|
30,617
|
1,631,573,145
|
243
|
12,919,180
|
55-59
|
37.3
|
4.5
|
36.9
|
70
|
3,667,500
|
16,717
|
883,781,026
|
188
|
9,947,405
|
60-64
|
38.4
|
6.1
|
39.9
|
39
|
2,128,000
|
6,566
|
344,781,134
|
102
|
5,339,862
|
65+
|
43.5
|
10.0
|
43.9
|
19
|
1,010,000
|
1,975
|
104,021,995
|
44
|
2,301,940
|
Total
|
50.4
|
2.1
|
50.9
|
572
|
30,923,987
|
246,912
|
13,298,788,486
|
1,136
|
60,738,686
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.8
|
4.9
|
23.3
|
26
|
2,755,000
|
40,079
|
4,496,014,720
|
105
|
11,844,865
|
2
|
61.3
|
7.4
|
60.1
|
68
|
7,510,000
|
38,454
|
4,318,537,859
|
111
|
12,491,948
|
3
|
72.4
|
7.7
|
75.8
|
87
|
10,288,500
|
37,883
|
4,261,845,794
|
121
|
13,579,290
|
4
|
60.1
|
6.8
|
59.9
|
78
|
8,740,000
|
36,739
|
4,132,172,432
|
130
|
14,578,849
|
5
|
64.9
|
7.0
|
67.5
|
87
|
10,195,880
|
34,642
|
3,903,035,097
|
134
|
15,102,161
|
6
|
70.2
|
7.3
|
67.9
|
93
|
10,142,750
|
31,106
|
3,506,194,136
|
133
|
14,932,061
|
7+
|
62.5
|
4.1
|
62.4
|
227
|
25,554,052
|
67,796
|
7,648,967,110
|
363
|
40,930,570
|
Total
|
60.8
|
2.4
|
60.9
|
667
|
75,186,182
|
286,700
|
32,266,767,149
|
1,097
|
123,459,746
|
By Issue Age
|
20-24
|
65.6
|
19.0
|
60.4
|
12
|
1,225,000
|
20,228
|
2,247,389,391
|
18
|
2,029,405
|
25-29
|
50.9
|
8.7
|
51.0
|
34
|
3,805,880
|
49,221
|
5,491,435,278
|
67
|
7,466,301
|
30-34
|
58.7
|
6.8
|
59.6
|
75
|
8,607,000
|
60,874
|
6,858,771,380
|
128
|
14,437,726
|
35-39
|
69.4
|
6.0
|
71.0
|
133
|
15,417,052
|
59,369
|
6,723,554,758
|
192
|
21,713,717
|
40-44
|
70.5
|
5.5
|
71.6
|
166
|
19,150,750
|
47,566
|
5,403,861,717
|
235
|
26,753,958
|
45-49
|
61.0
|
5.3
|
61.1
|
134
|
15,140,500
|
29,835
|
3,358,682,149
|
220
|
24,771,390
|
50-54
|
45.6
|
5.5
|
43.3
|
68
|
7,275,000
|
14,123
|
1,581,424,132
|
150
|
16,807,409
|
55-59
|
49.9
|
8.6
|
46.3
|
34
|
3,490,000
|
4,594
|
507,055,688
|
68
|
7,533,202
|
60-64
|
51.9
|
18.3
|
53.1
|
8
|
875,000
|
774
|
82,720,749
|
15
|
1,647,941
|
65+
|
68.3
|
48.3
|
67.0
|
2
|
200,000
|
116
|
11,871,907
|
3
|
298,697
|
Total
|
60.8
|
2.4
|
60.9
|
667
|
75,186,182
|
286,700
|
32,266,767,149
|
1,097
|
123,459,746
|
By Attained Age
|
20-24
|
76.1
|
38.0
|
68.1
|
4
|
400,000
|
7,487
|
836,633,180
|
5
|
587,332
|
25-29
|
50.2
|
12.6
|
47.3
|
16
|
1,675,000
|
31,223
|
3,467,135,832
|
32
|
3,538,197
|
30-34
|
51.1
|
8.1
|
51.5
|
40
|
4,505,880
|
50,822
|
5,678,248,183
|
78
|
8,751,669
|
35-39
|
58.6
|
6.6
|
59.9
|
80
|
9,250,000
|
58,523
|
6,615,276,688
|
137
|
15,445,520
|
40-44
|
65.7
|
5.9
|
69.1
|
125
|
14,909,052
|
53,649
|
6,085,954,297
|
190
|
21,582,960
|
45-49
|
77.0
|
5.9
|
76.2
|
172
|
19,336,250
|
41,549
|
4,715,147,215
|
224
|
25,371,530
|
50-54
|
57.7
|
5.3
|
56.2
|
118
|
12,940,000
|
25,816
|
2,909,985,309
|
204
|
23,004,796
|
55-59
|
45.3
|
5.7
|
44.7
|
63
|
6,920,000
|
12,353
|
1,375,500,685
|
139
|
15,493,308
|
60-64
|
60.5
|
9.6
|
57.4
|
40
|
4,200,000
|
4,260
|
471,714,170
|
66
|
7,319,048
|
65+
|
41.4
|
13.8
|
44.4
|
9
|
1,050,000
|
1,018
|
111,171,591
|
22
|
2,365,387
|
Total
|
60.8
|
2.4
|
60.9
|
667
|
75,186,182
|
286,700
|
32,266,767,149
|
1,097
|
123,459,746
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
49.0
|
20.0
|
35.3
|
6
|
1,500,000
|
4,154
|
1,396,431,793
|
12
|
4,246,019
|
2
|
24.6
|
14.1
|
36.2
|
3
|
1,510,000
|
3,797
|
1,262,710,710
|
12
|
4,174,423
|
3
|
55.1
|
20.8
|
79.5
|
7
|
3,360,000
|
3,533
|
1,163,678,398
|
13
|
4,226,158
|
4
|
76.6
|
24.2
|
75.3
|
10
|
3,250,000
|
3,279
|
1,074,424,151
|
13
|
4,315,158
|
5
|
101.1
|
28.0
|
86.3
|
13
|
3,625,000
|
2,939
|
953,372,275
|
13
|
4,200,921
|
6
|
115.0
|
30.7
|
151.8
|
14
|
5,980,000
|
2,553
|
819,330,774
|
12
|
3,938,545
|
7+
|
51.2
|
12.8
|
46.7
|
16
|
4,660,000
|
5,468
|
1,735,540,930
|
31
|
9,974,053
|
Total
|
64.7
|
7.8
|
68.1
|
69
|
23,885,000
|
25,724
|
8,405,489,031
|
107
|
35,075,277
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,017
|
294,243,327
|
1
|
250,241
|
25-29
|
100.2
|
49.9
|
185.8
|
4
|
2,360,000
|
3,005
|
945,190,880
|
4
|
1,270,168
|
30-34
|
45.6
|
20.4
|
35.7
|
5
|
1,250,000
|
5,252
|
1,688,775,662
|
11
|
3,505,929
|
35-39
|
45.9
|
15.3
|
48.9
|
9
|
3,175,000
|
6,186
|
2,051,880,139
|
20
|
6,496,437
|
40-44
|
67.5
|
16.4
|
58.0
|
17
|
4,890,000
|
5,151
|
1,737,889,652
|
25
|
8,433,432
|
45-49
|
49.0
|
14.8
|
56.1
|
11
|
4,050,000
|
3,110
|
1,009,689,590
|
22
|
7,214,732
|
50-54
|
97.0
|
25.9
|
96.5
|
14
|
4,710,000
|
1,415
|
480,193,380
|
14
|
4,880,735
|
55-59
|
116.8
|
38.9
|
136.1
|
9
|
3,450,000
|
518
|
172,401,474
|
8
|
2,534,845
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
71
|
25,224,927
|
1
|
488,758
|
Total
|
64.7
|
7.8
|
68.1
|
69
|
23,885,000
|
25,724
|
8,405,489,031
|
107
|
35,075,277
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
482
|
139,978,268
|
0
|
97,017
|
25-29
|
53.6
|
53.6
|
61.5
|
1
|
350,000
|
1,824
|
554,861,683
|
2
|
568,991
|
30-34
|
52.9
|
30.3
|
108.0
|
3
|
2,010,000
|
3,694
|
1,194,832,586
|
6
|
1,860,282
|
35-39
|
78.5
|
24.8
|
60.8
|
10
|
2,525,000
|
5,402
|
1,758,855,438
|
13
|
4,153,823
|
40-44
|
25.1
|
11.2
|
29.6
|
5
|
2,010,000
|
5,631
|
1,906,557,210
|
20
|
6,789,869
|
45-49
|
68.0
|
17.0
|
73.3
|
16
|
5,680,000
|
4,361
|
1,435,231,244
|
24
|
7,749,016
|
50-54
|
55.9
|
16.1
|
48.7
|
12
|
3,410,000
|
2,708
|
885,456,621
|
21
|
7,006,981
|
55-59
|
127.1
|
31.8
|
150.3
|
16
|
6,200,000
|
1,115
|
364,324,710
|
13
|
4,125,208
|
60-64
|
73.9
|
33.1
|
62.9
|
5
|
1,400,000
|
432
|
142,093,905
|
7
|
2,226,648
|
65+
|
62.7
|
62.7
|
60.3
|
1
|
300,000
|
75
|
23,297,365
|
2
|
497,442
|
Total
|
64.7
|
7.8
|
68.1
|
69
|
23,885,000
|
25,724
|
8,405,489,031
|
107
|
35,075,277
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
54.9
|
13.7
|
43.0
|
16
|
254,000
|
9,150
|
191,513,151
|
29
|
591,271
|
2
|
48.1
|
12.8
|
56.9
|
14
|
335,133
|
8,084
|
169,365,301
|
29
|
588,582
|
3
|
101.2
|
17.8
|
109.7
|
32
|
709,008
|
7,774
|
164,124,854
|
32
|
646,372
|
4
|
65.2
|
13.9
|
73.2
|
22
|
505,755
|
7,440
|
158,487,545
|
34
|
690,912
|
5
|
70.2
|
14.3
|
77.8
|
24
|
550,000
|
7,001
|
150,475,151
|
34
|
706,910
|
6
|
79.0
|
15.5
|
83.3
|
26
|
571,500
|
6,175
|
133,900,818
|
33
|
686,254
|
7+
|
91.1
|
10.8
|
96.3
|
71
|
1,605,498
|
11,896
|
260,997,006
|
78
|
1,667,806
|
Total
|
76.3
|
5.3
|
81.2
|
205
|
4,530,894
|
57,521
|
1,228,863,826
|
269
|
5,578,106
|
By Issue Age
|
20-24
|
131.4
|
53.6
|
163.2
|
6
|
150,000
|
5,656
|
113,887,069
|
5
|
91,885
|
25-29
|
50.2
|
22.4
|
53.4
|
5
|
115,000
|
8,622
|
186,714,814
|
10
|
215,188
|
30-34
|
79.3
|
22.9
|
90.9
|
12
|
301,250
|
8,423
|
183,686,459
|
15
|
331,377
|
35-39
|
87.1
|
18.2
|
99.6
|
23
|
610,000
|
8,956
|
206,501,777
|
26
|
612,665
|
40-44
|
77.5
|
12.6
|
86.6
|
38
|
937,000
|
10,177
|
224,803,140
|
49
|
1,081,396
|
45-49
|
89.3
|
11.5
|
92.1
|
60
|
1,284,241
|
8,832
|
182,105,641
|
68
|
1,394,482
|
50-54
|
67.8
|
11.0
|
65.3
|
38
|
723,403
|
4,727
|
92,520,556
|
56
|
1,106,983
|
55-59
|
50.3
|
13.0
|
43.8
|
15
|
240,000
|
1,707
|
31,072,694
|
30
|
547,480
|
60-64
|
73.9
|
27.9
|
84.2
|
7
|
145,000
|
394
|
6,983,581
|
9
|
172,236
|
65+
|
92.3
|
92.3
|
102.4
|
1
|
25,000
|
27
|
588,095
|
1
|
24,413
|
Total
|
76.3
|
5.3
|
81.2
|
205
|
4,530,894
|
57,521
|
1,228,863,826
|
269
|
5,578,106
|
By Attained Age
|
20-24
|
140.4
|
99.3
|
173.5
|
2
|
50,000
|
2,204
|
44,351,293
|
1
|
28,823
|
25-29
|
48.8
|
28.2
|
58.4
|
3
|
75,000
|
6,862
|
143,728,899
|
6
|
128,530
|
30-34
|
79.6
|
26.5
|
80.8
|
9
|
195,000
|
8,482
|
181,455,535
|
11
|
241,398
|
35-39
|
92.0
|
23.7
|
117.1
|
15
|
425,250
|
7,951
|
176,871,885
|
16
|
363,278
|
40-44
|
74.4
|
15.5
|
82.5
|
23
|
581,000
|
9,328
|
213,285,517
|
31
|
704,574
|
45-49
|
80.8
|
12.3
|
84.8
|
43
|
972,508
|
9,862
|
212,032,931
|
54
|
1,146,381
|
50-54
|
76.7
|
10.8
|
81.2
|
50
|
1,085,866
|
7,527
|
154,846,448
|
65
|
1,337,852
|
55-59
|
78.8
|
12.6
|
75.1
|
39
|
731,270
|
3,671
|
71,960,040
|
50
|
973,440
|
60-64
|
58.0
|
15.0
|
55.2
|
15
|
270,000
|
1,307
|
24,418,069
|
26
|
489,416
|
65+
|
67.9
|
27.7
|
88.2
|
6
|
145,000
|
328
|
5,913,209
|
9
|
164,415
|
Total
|
76.3
|
5.3
|
81.2
|
205
|
4,530,894
|
57,521
|
1,228,863,826
|
269
|
5,578,106
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
51.0
|
17.0
|
53.7
|
9
|
505,000
|
8,105
|
433,084,590
|
18
|
940,890
|
2
|
73.2
|
21.0
|
68.5
|
12
|
610,000
|
6,787
|
365,225,053
|
17
|
890,865
|
3
|
76.6
|
21.3
|
79.8
|
13
|
726,000
|
6,107
|
330,043,980
|
17
|
909,750
|
4
|
68.4
|
19.7
|
73.0
|
12
|
687,870
|
5,598
|
303,458,888
|
18
|
942,332
|
5
|
49.8
|
16.6
|
49.3
|
9
|
478,725
|
5,099
|
276,584,214
|
18
|
970,756
|
6
|
105.0
|
24.1
|
104.5
|
19
|
1,014,128
|
4,551
|
246,887,605
|
18
|
970,888
|
7+
|
95.2
|
12.5
|
98.3
|
58
|
3,187,396
|
10,692
|
576,856,606
|
61
|
3,241,196
|
Total
|
79.7
|
6.9
|
81.3
|
132
|
7,209,119
|
46,940
|
2,532,140,935
|
166
|
8,866,678
|
By Issue Age
|
20-34
|
68.6
|
15.0
|
71.2
|
21
|
1,192,870
|
23,104
|
1,261,527,290
|
31
|
1,675,404
|
35-39
|
75.1
|
16.4
|
75.0
|
21
|
1,120,649
|
9,535
|
510,529,382
|
28
|
1,494,630
|
40-44
|
81.6
|
14.9
|
84.9
|
30
|
1,670,000
|
7,560
|
403,042,681
|
37
|
1,967,469
|
45-49
|
99.8
|
16.9
|
101.8
|
35
|
1,896,000
|
4,409
|
233,916,976
|
35
|
1,862,401
|
50-54
|
78.1
|
18.4
|
80.3
|
18
|
980,000
|
1,779
|
94,071,694
|
23
|
1,220,089
|
55+
|
56.8
|
21.5
|
54.1
|
7
|
349,600
|
553
|
29,052,911
|
12
|
646,684
|
Total
|
79.7
|
6.9
|
81.3
|
132
|
7,209,119
|
46,940
|
2,532,140,935
|
166
|
8,866,678
|
By Attained Age
|
20-39
|
69.2
|
13.8
|
70.4
|
25
|
1,382,870
|
26,092
|
1,419,407,579
|
36
|
1,964,801
|
40-44
|
63.2
|
15.3
|
64.6
|
17
|
928,253
|
8,339
|
446,720,379
|
27
|
1,437,712
|
45-49
|
95.9
|
16.4
|
99.2
|
34
|
1,888,396
|
6,705
|
358,002,465
|
36
|
1,903,122
|
50-54
|
79.9
|
16.0
|
81.7
|
25
|
1,365,000
|
3,616
|
192,991,996
|
31
|
1,670,146
|
55-59
|
104.4
|
22.2
|
102.5
|
22
|
1,140,000
|
1,542
|
81,209,081
|
21
|
1,111,943
|
60+
|
60.4
|
20.1
|
64.8
|
9
|
504,600
|
646
|
33,809,435
|
15
|
778,953
|
Total
|
79.7
|
6.9
|
81.3
|
132
|
7,209,119
|
46,940
|
2,532,140,935
|
166
|
8,866,678
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.0
|
16.8
|
30.3
|
4
|
410,000
|
6,150
|
687,951,105
|
12
|
1,354,983
|
2
|
95.6
|
27.6
|
107.6
|
12
|
1,500,000
|
5,724
|
635,038,247
|
13
|
1,393,880
|
3
|
74.3
|
23.5
|
73.6
|
10
|
1,100,000
|
5,443
|
601,715,002
|
13
|
1,494,540
|
4
|
42.4
|
17.3
|
41.1
|
6
|
650,000
|
5,076
|
560,965,359
|
14
|
1,580,906
|
5
|
116.8
|
28.3
|
121.4
|
17
|
1,970,880
|
4,623
|
510,860,452
|
15
|
1,623,734
|
6
|
99.1
|
26.4
|
98.3
|
14
|
1,560,000
|
4,058
|
449,179,621
|
14
|
1,586,746
|
7+
|
77.2
|
14.1
|
79.5
|
30
|
3,466,085
|
8,225
|
915,430,580
|
39
|
4,358,418
|
Total
|
77.7
|
8.1
|
79.6
|
93
|
10,656,965
|
39,301
|
4,361,140,364
|
120
|
13,393,207
|
By Issue Age
|
20-34
|
69.3
|
15.5
|
74.2
|
20
|
2,355,880
|
22,235
|
2,441,659,661
|
29
|
3,174,598
|
35-39
|
86.0
|
20.3
|
79.0
|
18
|
1,866,085
|
7,448
|
839,563,908
|
21
|
2,362,357
|
40-44
|
61.5
|
15.4
|
64.5
|
16
|
1,875,000
|
5,393
|
601,985,079
|
26
|
2,905,067
|
45-49
|
134.2
|
24.5
|
142.2
|
30
|
3,640,000
|
2,763
|
316,294,254
|
22
|
2,559,810
|
50-54
|
26.7
|
13.4
|
24.0
|
4
|
400,000
|
1,158
|
128,864,836
|
15
|
1,667,183
|
55-59
|
80.5
|
39.3
|
74.8
|
4
|
420,000
|
248
|
26,827,558
|
5
|
561,691
|
60+
|
64.7
|
64.7
|
61.5
|
1
|
100,000
|
56
|
5,945,068
|
2
|
162,500
|
Total
|
77.7
|
8.1
|
79.6
|
93
|
10,656,965
|
39,301
|
4,361,140,364
|
120
|
13,393,207
|
By Attained Age
|
20-34
|
89.7
|
22.4
|
100.1
|
16
|
1,955,880
|
16,752
|
1,835,132,090
|
18
|
1,954,713
|
35-39
|
38.9
|
15.9
|
34.9
|
6
|
600,000
|
7,902
|
881,335,169
|
15
|
1,720,704
|
40-44
|
67.9
|
18.2
|
63.1
|
14
|
1,450,000
|
6,499
|
725,535,279
|
21
|
2,298,866
|
45-49
|
115.6
|
21.8
|
119.9
|
28
|
3,281,085
|
4,546
|
513,851,325
|
24
|
2,737,529
|
50-54
|
87.1
|
20.5
|
91.1
|
18
|
2,150,000
|
2,329
|
265,368,758
|
21
|
2,359,430
|
55-59
|
52.0
|
19.5
|
53.5
|
7
|
810,000
|
955
|
105,302,923
|
14
|
1,513,381
|
60-64
|
34.8
|
24.0
|
31.7
|
2
|
210,000
|
272
|
29,908,791
|
6
|
661,434
|
65+
|
139.1
|
98.3
|
135.9
|
2
|
200,000
|
46
|
4,706,027
|
1
|
147,150
|
Total
|
77.7
|
8.1
|
79.6
|
93
|
10,656,965
|
39,301
|
4,361,140,364
|
120
|
13,393,207
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
179.7
|
103.7
|
160.0
|
3
|
1,000,000
|
623
|
223,907,890
|
2
|
625,070
|
2
|
64.7
|
64.7
|
46.0
|
1
|
250,000
|
521
|
179,664,971
|
2
|
543,600
|
3
|
62.3
|
62.3
|
63.7
|
1
|
350,000
|
469
|
156,927,073
|
2
|
549,461
|
4
|
127.5
|
90.1
|
93.1
|
2
|
500,000
|
415
|
135,922,856
|
2
|
537,159
|
5
|
206.3
|
119.1
|
150.5
|
3
|
750,000
|
360
|
117,096,953
|
1
|
498,414
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
339
|
113,092,605
|
2
|
536,875
|
7+
|
41.9
|
29.7
|
40.6
|
2
|
650,000
|
848
|
280,887,712
|
5
|
1,601,670
|
Total
|
84.7
|
24.5
|
71.5
|
12
|
3,500,000
|
3,574
|
1,207,500,060
|
14
|
4,892,249
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
172
|
51,997,769
|
0
|
39,607
|
25-29
|
184.7
|
184.7
|
209.3
|
1
|
350,000
|
500
|
153,509,148
|
1
|
167,240
|
30-34
|
208.1
|
120.2
|
185.5
|
3
|
900,000
|
820
|
276,775,585
|
1
|
485,168
|
35-39
|
84.1
|
59.5
|
64.3
|
2
|
500,000
|
803
|
266,160,797
|
2
|
777,241
|
40-44
|
97.8
|
56.5
|
64.6
|
3
|
750,000
|
644
|
241,397,448
|
3
|
1,160,720
|
45-49
|
82.6
|
47.7
|
82.3
|
3
|
1,000,000
|
449
|
153,559,989
|
4
|
1,214,504
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
116
|
39,913,193
|
2
|
551,624
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
68
|
24,186,131
|
1
|
496,144
|
Total
|
84.7
|
24.5
|
71.5
|
12
|
3,500,000
|
3,574
|
1,207,500,060
|
14
|
4,892,249
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
73
|
21,493,249
|
0
|
13,475
|
25-29
|
344.6
|
344.6
|
396.6
|
1
|
350,000
|
338
|
103,278,428
|
0
|
88,257
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
560
|
180,962,626
|
1
|
230,058
|
35-39
|
144.5
|
102.2
|
108.3
|
2
|
500,000
|
723
|
243,300,321
|
1
|
461,571
|
40-44
|
213.1
|
95.3
|
167.8
|
5
|
1,400,000
|
749
|
265,786,879
|
2
|
834,422
|
45-49
|
115.8
|
57.9
|
103.4
|
4
|
1,250,000
|
644
|
223,358,969
|
3
|
1,208,497
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
318
|
112,202,213
|
3
|
1,017,211
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
112
|
37,955,216
|
2
|
597,455
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
56
|
19,162,158
|
1
|
441,303
|
Total
|
84.7
|
24.5
|
71.5
|
12
|
3,500,000
|
3,574
|
1,207,500,060
|
14
|
4,892,249
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
87.5
|
25.1
|
68.9
|
12
|
196,000
|
4,571
|
97,836,835
|
14
|
284,651
|
2
|
43.5
|
17.6
|
55.6
|
6
|
160,000
|
3,996
|
85,705,441
|
14
|
287,940
|
3
|
110.0
|
26.6
|
117.4
|
17
|
378,008
|
3,758
|
80,724,678
|
16
|
322,064
|
4
|
49.6
|
17.5
|
64.0
|
8
|
215,000
|
3,482
|
75,407,468
|
16
|
335,684
|
5
|
49.1
|
17.4
|
61.3
|
8
|
210,000
|
3,252
|
70,928,720
|
16
|
342,322
|
6
|
63.9
|
20.2
|
70.1
|
10
|
231,500
|
2,824
|
61,867,655
|
16
|
330,265
|
7+
|
81.8
|
14.7
|
91.7
|
31
|
749,765
|
5,477
|
120,081,538
|
38
|
817,745
|
Total
|
71.4
|
7.4
|
78.7
|
92
|
2,140,273
|
27,360
|
592,552,335
|
129
|
2,720,671
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,782
|
56,823,946
|
2
|
41,150
|
25-29
|
44.8
|
31.7
|
56.2
|
2
|
55,000
|
4,474
|
98,529,552
|
4
|
97,844
|
30-34
|
63.2
|
31.6
|
83.4
|
4
|
116,250
|
4,119
|
90,260,314
|
6
|
139,319
|
35-39
|
108.7
|
31.4
|
116.9
|
12
|
298,000
|
4,185
|
96,171,175
|
11
|
254,973
|
40-44
|
87.2
|
19.5
|
96.1
|
20
|
495,000
|
4,863
|
109,377,267
|
23
|
515,304
|
45-49
|
79.7
|
15.6
|
96.1
|
26
|
655,508
|
3,989
|
82,739,310
|
33
|
681,970
|
50-54
|
57.2
|
13.8
|
50.5
|
17
|
305,515
|
2,144
|
43,078,311
|
30
|
605,023
|
55-59
|
47.6
|
18.0
|
45.8
|
7
|
130,000
|
650
|
12,563,182
|
15
|
283,893
|
60-64
|
72.5
|
41.9
|
75.6
|
3
|
60,000
|
131
|
2,506,183
|
4
|
79,363
|
65+
|
103.3
|
103.3
|
114.5
|
1
|
25,000
|
23
|
503,095
|
1
|
21,833
|
Total
|
71.4
|
7.4
|
78.7
|
92
|
2,140,273
|
27,360
|
592,552,335
|
129
|
2,720,671
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,089
|
22,395,876
|
1
|
13,544
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,525
|
75,789,013
|
3
|
60,236
|
30-34
|
81.8
|
40.9
|
99.9
|
4
|
105,000
|
4,271
|
91,936,618
|
5
|
105,103
|
35-39
|
104.6
|
39.6
|
132.8
|
7
|
198,250
|
3,833
|
85,249,811
|
7
|
149,234
|
40-44
|
82.6
|
24.9
|
83.8
|
11
|
256,000
|
4,417
|
101,518,517
|
13
|
305,455
|
45-49
|
93.1
|
19.3
|
107.3
|
23
|
582,508
|
4,599
|
100,643,591
|
25
|
542,801
|
50-54
|
64.2
|
14.0
|
70.8
|
21
|
477,000
|
3,436
|
70,766,942
|
33
|
673,536
|
55-59
|
67.8
|
16.4
|
61.2
|
17
|
311,515
|
1,522
|
30,895,758
|
25
|
508,964
|
60-64
|
35.4
|
15.8
|
38.7
|
5
|
110,000
|
560
|
11,308,299
|
14
|
284,237
|
65+
|
100.3
|
50.2
|
128.9
|
4
|
100,000
|
107
|
2,047,910
|
4
|
77,562
|
Total
|
71.4
|
7.4
|
78.7
|
92
|
2,140,273
|
27,360
|
592,552,335
|
129
|
2,720,671
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
41.5
|
20.7
|
36.8
|
4
|
190,000
|
4,744
|
254,454,726
|
10
|
516,137
|
2
|
98.7
|
32.9
|
92.1
|
9
|
450,000
|
3,937
|
212,890,294
|
9
|
488,604
|
3
|
97.3
|
32.4
|
100.6
|
9
|
501,000
|
3,487
|
189,545,470
|
9
|
497,864
|
4
|
72.7
|
27.5
|
73.3
|
7
|
380,000
|
3,173
|
172,744,309
|
10
|
518,710
|
5
|
40.3
|
20.1
|
35.5
|
4
|
189,600
|
2,841
|
154,696,220
|
10
|
534,823
|
6
|
69.6
|
26.3
|
69.3
|
7
|
375,000
|
2,520
|
137,212,760
|
10
|
540,956
|
7+
|
97.2
|
16.7
|
101.7
|
34
|
1,895,000
|
5,796
|
314,254,883
|
35
|
1,863,831
|
Total
|
79.9
|
9.3
|
80.2
|
74
|
3,980,600
|
26,497
|
1,435,798,663
|
93
|
4,960,924
|
By Issue Age
|
20-34
|
71.5
|
21.5
|
71.2
|
11
|
605,000
|
13,172
|
724,151,445
|
15
|
849,299
|
35-39
|
68.2
|
21.6
|
62.2
|
10
|
490,000
|
5,468
|
293,947,282
|
15
|
787,157
|
40-44
|
89.1
|
21.0
|
92.2
|
18
|
990,000
|
4,218
|
223,994,298
|
20
|
1,073,238
|
45-49
|
89.0
|
21.0
|
91.4
|
18
|
976,000
|
2,399
|
126,988,132
|
20
|
1,067,653
|
50-54
|
91.3
|
25.3
|
95.4
|
13
|
730,000
|
952
|
51,285,152
|
14
|
764,842
|
55+
|
50.7
|
25.4
|
45.3
|
4
|
189,600
|
288
|
15,432,354
|
8
|
418,735
|
Total
|
79.9
|
9.3
|
80.2
|
74
|
3,980,600
|
26,497
|
1,435,798,663
|
93
|
4,960,924
|
By Attained Age
|
20-39
|
65.0
|
18.8
|
61.3
|
12
|
620,000
|
14,992
|
821,071,575
|
18
|
1,011,086
|
40-44
|
63.9
|
21.3
|
63.2
|
9
|
475,000
|
4,727
|
252,945,157
|
14
|
751,094
|
45-49
|
101.7
|
22.7
|
107.2
|
20
|
1,126,000
|
3,715
|
198,423,397
|
20
|
1,050,275
|
50-54
|
82.0
|
21.2
|
80.8
|
15
|
790,000
|
1,953
|
104,444,978
|
18
|
977,651
|
55-59
|
96.2
|
27.8
|
94.4
|
12
|
625,000
|
769
|
40,804,301
|
12
|
662,423
|
60+
|
62.2
|
25.4
|
67.8
|
6
|
344,600
|
342
|
18,109,255
|
10
|
508,395
|
Total
|
79.9
|
9.3
|
80.2
|
74
|
3,980,600
|
26,497
|
1,435,798,663
|
93
|
4,960,924
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.6
|
19.7
|
25.1
|
2
|
210,000
|
3,989
|
450,418,105
|
7
|
837,202
|
2
|
117.2
|
39.1
|
133.1
|
9
|
1,150,000
|
3,656
|
409,369,480
|
8
|
864,133
|
3
|
83.9
|
31.7
|
74.6
|
7
|
700,000
|
3,483
|
387,955,833
|
8
|
938,092
|
4
|
57.1
|
25.5
|
55.5
|
5
|
550,000
|
3,230
|
360,085,661
|
9
|
991,752
|
5
|
122.3
|
36.9
|
120.7
|
11
|
1,225,000
|
2,907
|
323,745,218
|
9
|
1,014,647
|
6
|
78.4
|
29.4
|
79.2
|
7
|
810,000
|
2,578
|
288,267,588
|
9
|
1,022,284
|
7+
|
93.4
|
19.1
|
95.0
|
24
|
2,766,085
|
5,229
|
589,019,606
|
26
|
2,911,481
|
Total
|
85.9
|
10.6
|
86.4
|
65
|
7,411,085
|
25,072
|
2,808,861,491
|
76
|
8,579,591
|
By Issue Age
|
20-34
|
70.8
|
20.4
|
69.1
|
12
|
1,300,000
|
14,231
|
1,574,289,183
|
17
|
1,881,320
|
35-39
|
102.6
|
28.5
|
91.2
|
13
|
1,316,085
|
4,863
|
552,204,794
|
13
|
1,443,411
|
40-44
|
62.2
|
19.7
|
70.1
|
10
|
1,275,000
|
3,357
|
379,452,164
|
16
|
1,817,826
|
45-49
|
141.8
|
30.9
|
149.9
|
21
|
2,600,000
|
1,728
|
203,070,882
|
15
|
1,734,577
|
50-54
|
39.5
|
19.8
|
35.0
|
4
|
400,000
|
687
|
77,748,144
|
10
|
1,143,512
|
55-59
|
102.9
|
50.2
|
96.6
|
4
|
420,000
|
169
|
18,051,257
|
4
|
434,705
|
60+
|
86.0
|
86.0
|
80.5
|
1
|
100,000
|
37
|
4,045,068
|
1
|
124,242
|
Total
|
85.9
|
10.6
|
86.4
|
65
|
7,411,085
|
25,072
|
2,808,861,491
|
76
|
8,579,591
|
By Attained Age
|
20-34
|
96.8
|
30.6
|
96.3
|
10
|
1,100,000
|
10,588
|
1,168,084,742
|
10
|
1,142,702
|
35-39
|
53.9
|
24.1
|
48.0
|
5
|
500,000
|
5,269
|
590,834,673
|
9
|
1,041,232
|
40-44
|
73.5
|
24.5
|
65.2
|
9
|
900,000
|
4,130
|
465,528,275
|
12
|
1,379,560
|
45-49
|
110.6
|
26.8
|
120.6
|
17
|
2,141,085
|
2,893
|
334,170,445
|
15
|
1,775,656
|
50-54
|
98.4
|
27.3
|
101.2
|
13
|
1,550,000
|
1,386
|
160,526,464
|
13
|
1,531,170
|
55-59
|
74.4
|
27.9
|
75.5
|
7
|
810,000
|
585
|
65,676,160
|
10
|
1,072,798
|
60-64
|
44.1
|
30.5
|
40.4
|
2
|
210,000
|
190
|
20,734,704
|
5
|
519,217
|
65+
|
175.6
|
124.2
|
170.6
|
2
|
200,000
|
32
|
3,306,027
|
1
|
117,255
|
Total
|
85.9
|
10.6
|
86.4
|
65
|
7,411,085
|
25,072
|
2,808,861,491
|
76
|
8,579,591
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
227.8
|
131.5
|
197.7
|
3
|
1,000,000
|
496
|
182,438,933
|
1
|
505,690
|
2
|
83.2
|
83.2
|
58.1
|
1
|
250,000
|
410
|
144,438,383
|
1
|
430,152
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
357
|
122,387,588
|
1
|
425,970
|
4
|
84.9
|
84.9
|
61.4
|
1
|
250,000
|
305
|
100,940,168
|
1
|
407,108
|
5
|
184.8
|
130.7
|
130.3
|
2
|
500,000
|
265
|
88,716,871
|
1
|
383,621
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
252
|
86,350,105
|
1
|
415,764
|
7+
|
53.6
|
37.9
|
50.7
|
2
|
650,000
|
644
|
218,432,775
|
4
|
1,281,663
|
Total
|
82.5
|
27.5
|
68.8
|
9
|
2,650,000
|
2,731
|
943,704,822
|
11
|
3,849,968
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
129
|
39,461,724
|
0
|
28,080
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
379
|
115,830,103
|
0
|
118,732
|
30-34
|
194.9
|
137.8
|
178.6
|
2
|
650,000
|
628
|
220,739,303
|
1
|
363,866
|
35-39
|
110.6
|
78.2
|
82.0
|
2
|
500,000
|
630
|
214,030,876
|
2
|
609,920
|
40-44
|
129.6
|
74.8
|
83.4
|
3
|
750,000
|
492
|
188,399,203
|
2
|
899,206
|
45-49
|
69.8
|
49.4
|
77.0
|
2
|
750,000
|
334
|
117,259,185
|
3
|
973,750
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
86
|
30,600,352
|
1
|
458,065
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
51
|
17,384,076
|
1
|
398,349
|
Total
|
82.5
|
27.5
|
68.8
|
9
|
2,650,000
|
2,731
|
943,704,822
|
11
|
3,849,968
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
59
|
17,684,327
|
0
|
10,754
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
251
|
77,445,428
|
0
|
61,842
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
441
|
143,164,460
|
1
|
172,797
|
35-39
|
102.2
|
102.2
|
73.5
|
1
|
250,000
|
550
|
191,500,191
|
1
|
340,309
|
40-44
|
285.0
|
127.4
|
217.6
|
5
|
1,400,000
|
580
|
211,469,488
|
2
|
643,301
|
45-49
|
118.2
|
68.2
|
109.1
|
3
|
1,000,000
|
474
|
169,841,957
|
3
|
916,371
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
246
|
87,783,651
|
2
|
827,387
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
86
|
29,903,161
|
1
|
502,120
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
44
|
14,912,158
|
1
|
375,086
|
Total
|
82.5
|
27.5
|
68.8
|
9
|
2,650,000
|
2,731
|
943,704,822
|
11
|
3,849,968
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.8
|
12.9
|
18.9
|
4
|
58,000
|
4,578
|
93,676,316
|
16
|
306,620
|
2
|
52.4
|
18.5
|
58.3
|
8
|
175,133
|
4,089
|
83,659,860
|
15
|
300,642
|
3
|
92.8
|
23.9
|
102.1
|
15
|
331,000
|
4,016
|
83,400,175
|
16
|
324,307
|
4
|
79.4
|
21.2
|
81.9
|
14
|
290,755
|
3,958
|
83,080,077
|
18
|
355,228
|
5
|
89.2
|
22.3
|
93.3
|
16
|
340,000
|
3,750
|
79,546,432
|
18
|
364,588
|
6
|
92.7
|
23.2
|
95.5
|
16
|
340,000
|
3,351
|
72,033,162
|
17
|
355,989
|
7+
|
100.0
|
15.8
|
100.7
|
40
|
855,733
|
6,420
|
140,915,469
|
40
|
850,061
|
Total
|
80.9
|
7.6
|
83.7
|
113
|
2,390,621
|
30,161
|
636,311,491
|
140
|
2,857,435
|
By Issue Age
|
20-24
|
234.7
|
95.8
|
295.7
|
6
|
150,000
|
2,874
|
57,063,124
|
3
|
50,735
|
25-29
|
54.5
|
31.5
|
51.1
|
3
|
60,000
|
4,148
|
88,185,261
|
6
|
117,344
|
30-34
|
90.9
|
32.1
|
96.3
|
8
|
185,000
|
4,304
|
93,426,145
|
9
|
192,058
|
35-39
|
71.6
|
21.6
|
87.2
|
11
|
312,000
|
4,771
|
110,330,602
|
15
|
357,692
|
40-44
|
68.9
|
16.2
|
78.1
|
18
|
442,000
|
5,314
|
115,425,873
|
26
|
566,092
|
45-49
|
98.4
|
16.8
|
88.2
|
34
|
628,733
|
4,843
|
99,366,331
|
35
|
712,512
|
50-54
|
79.8
|
17.4
|
83.3
|
21
|
417,888
|
2,583
|
49,442,245
|
26
|
501,961
|
55-59
|
52.9
|
18.7
|
41.7
|
8
|
110,000
|
1,057
|
18,509,512
|
15
|
263,587
|
60+
|
73.4
|
36.7
|
89.0
|
4
|
85,000
|
267
|
4,562,398
|
5
|
95,454
|
Total
|
80.9
|
7.6
|
83.7
|
113
|
2,390,621
|
30,161
|
636,311,491
|
140
|
2,857,435
|
By Attained Age
|
20-24
|
259.1
|
183.2
|
327.2
|
2
|
50,000
|
1,115
|
21,955,417
|
1
|
15,279
|
25-29
|
89.5
|
51.7
|
109.8
|
3
|
75,000
|
3,337
|
67,939,886
|
3
|
68,294
|
30-34
|
77.9
|
34.8
|
66.0
|
5
|
90,000
|
4,211
|
89,518,917
|
6
|
136,295
|
35-39
|
83.2
|
29.4
|
106.1
|
8
|
227,000
|
4,117
|
91,622,074
|
10
|
214,044
|
40-44
|
68.2
|
19.7
|
81.4
|
12
|
325,000
|
4,911
|
111,767,000
|
18
|
399,119
|
45-49
|
70.1
|
15.6
|
64.6
|
20
|
390,000
|
5,263
|
111,389,340
|
29
|
603,581
|
50-54
|
89.4
|
16.6
|
91.7
|
29
|
608,866
|
4,091
|
84,079,506
|
32
|
664,317
|
55-59
|
90.1
|
19.2
|
90.4
|
22
|
419,755
|
2,148
|
41,064,282
|
24
|
464,476
|
60-64
|
85.1
|
26.9
|
78.0
|
10
|
160,000
|
747
|
13,109,770
|
12
|
205,179
|
65+
|
41.2
|
29.2
|
51.8
|
2
|
45,000
|
221
|
3,865,299
|
5
|
86,852
|
Total
|
80.9
|
7.6
|
83.7
|
113
|
2,390,621
|
30,161
|
636,311,491
|
140
|
2,857,435
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
62.4
|
27.9
|
74.2
|
5
|
315,000
|
3,361
|
178,629,864
|
8
|
424,754
|
2
|
42.4
|
23.7
|
39.8
|
3
|
160,000
|
2,850
|
152,334,758
|
8
|
402,261
|
3
|
51.8
|
25.9
|
54.6
|
4
|
225,000
|
2,619
|
140,498,510
|
8
|
411,886
|
4
|
63.2
|
28.3
|
72.7
|
5
|
307,870
|
2,426
|
130,714,579
|
8
|
423,623
|
5
|
61.3
|
27.4
|
66.3
|
5
|
289,125
|
2,259
|
121,887,993
|
8
|
435,933
|
6
|
149.2
|
43.1
|
148.7
|
12
|
639,128
|
2,031
|
109,674,845
|
8
|
429,932
|
7+
|
92.5
|
18.9
|
93.8
|
24
|
1,292,396
|
4,897
|
262,601,723
|
26
|
1,377,365
|
Total
|
79.4
|
10.4
|
82.7
|
58
|
3,228,519
|
20,443
|
1,096,342,273
|
73
|
3,905,753
|
By Issue Age
|
20-39
|
73.7
|
16.1
|
79.5
|
21
|
1,218,519
|
13,998
|
753,957,945
|
28
|
1,533,579
|
40-44
|
72.5
|
20.9
|
76.0
|
12
|
680,000
|
3,342
|
179,048,383
|
17
|
894,231
|
45-49
|
114.5
|
27.7
|
115.8
|
17
|
920,000
|
2,010
|
106,928,845
|
15
|
794,748
|
50-54
|
56.9
|
25.4
|
54.9
|
5
|
250,000
|
827
|
42,786,542
|
9
|
455,247
|
55-59
|
67.5
|
47.8
|
65.8
|
2
|
100,000
|
199
|
10,240,906
|
3
|
152,089
|
60+
|
67.5
|
67.5
|
79.1
|
1
|
60,000
|
66
|
3,379,652
|
1
|
75,860
|
Total
|
79.4
|
10.4
|
82.7
|
58
|
3,228,519
|
20,443
|
1,096,342,273
|
73
|
3,905,753
|
By Attained Age
|
20-44
|
68.9
|
15.0
|
74.1
|
21
|
1,216,123
|
14,712
|
792,111,227
|
30
|
1,640,333
|
45-49
|
88.9
|
23.6
|
89.4
|
14
|
762,396
|
2,990
|
159,579,068
|
16
|
852,847
|
50-54
|
76.8
|
24.3
|
83.0
|
10
|
575,000
|
1,663
|
88,547,018
|
13
|
692,495
|
55-59
|
116.2
|
36.7
|
114.6
|
10
|
515,000
|
774
|
40,404,780
|
9
|
449,520
|
60+
|
57.2
|
33.0
|
59.1
|
3
|
160,000
|
304
|
15,700,180
|
5
|
270,558
|
Total
|
79.4
|
10.4
|
82.7
|
58
|
3,228,519
|
20,443
|
1,096,342,273
|
73
|
3,905,753
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
42.5
|
30.1
|
38.6
|
2
|
200,000
|
2,161
|
237,533,000
|
5
|
517,781
|
2
|
61.5
|
35.5
|
66.1
|
3
|
350,000
|
2,067
|
225,668,767
|
5
|
529,746
|
3
|
58.6
|
33.8
|
71.9
|
3
|
400,000
|
1,960
|
213,759,168
|
5
|
556,448
|
4
|
18.5
|
18.5
|
17.0
|
1
|
100,000
|
1,847
|
200,879,698
|
5
|
589,154
|
5
|
107.7
|
44.0
|
122.5
|
6
|
745,880
|
1,716
|
187,115,234
|
6
|
609,087
|
6
|
135.2
|
51.1
|
132.9
|
7
|
750,000
|
1,480
|
160,912,033
|
5
|
564,462
|
7+
|
45.5
|
18.6
|
48.4
|
6
|
700,000
|
2,996
|
326,410,973
|
13
|
1,446,937
|
Total
|
63.6
|
12.0
|
67.4
|
28
|
3,245,880
|
14,228
|
1,552,278,873
|
44
|
4,813,615
|
By Issue Age
|
20-29
|
68.1
|
34.1
|
79.5
|
4
|
505,880
|
5,082
|
549,948,647
|
6
|
636,024
|
30-34
|
66.0
|
33.0
|
83.7
|
4
|
550,000
|
2,923
|
317,421,832
|
6
|
657,254
|
35-39
|
60.5
|
27.0
|
59.9
|
5
|
550,000
|
2,585
|
287,359,114
|
8
|
918,946
|
40-44
|
60.4
|
24.7
|
55.2
|
6
|
600,000
|
2,035
|
222,532,915
|
10
|
1,087,241
|
45-49
|
119.3
|
39.8
|
126.0
|
9
|
1,040,000
|
1,035
|
113,223,372
|
8
|
825,234
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
471
|
51,116,691
|
5
|
523,671
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
98
|
10,676,301
|
2
|
165,245
|
Total
|
63.6
|
12.0
|
67.4
|
28
|
3,245,880
|
14,228
|
1,552,278,873
|
44
|
4,813,615
|
By Attained Age
|
20-34
|
80.0
|
32.7
|
105.4
|
6
|
855,880
|
6,164
|
667,047,348
|
8
|
812,011
|
35-39
|
16.3
|
16.3
|
14.7
|
1
|
100,000
|
2,633
|
290,500,496
|
6
|
679,472
|
40-44
|
59.7
|
26.7
|
59.8
|
5
|
550,000
|
2,369
|
260,007,004
|
8
|
919,305
|
45-49
|
124.2
|
37.5
|
118.5
|
11
|
1,140,000
|
1,653
|
179,680,880
|
9
|
961,873
|
50-54
|
67.1
|
30.0
|
72.4
|
5
|
600,000
|
943
|
104,842,295
|
7
|
828,260
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
370
|
39,626,763
|
4
|
440,583
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
96
|
10,574,087
|
2
|
172,111
|
Total
|
63.6
|
12.0
|
67.4
|
28
|
3,245,880
|
14,228
|
1,552,278,873
|
44
|
4,813,615
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
126
|
41,468,957
|
0
|
119,380
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
110
|
35,226,588
|
0
|
113,448
|
3
|
262.7
|
262.7
|
283.4
|
1
|
350,000
|
111
|
34,539,485
|
0
|
123,492
|
4
|
255.5
|
255.5
|
192.2
|
1
|
250,000
|
110
|
34,982,688
|
0
|
130,051
|
5
|
268.9
|
268.9
|
217.8
|
1
|
250,000
|
95
|
28,380,082
|
0
|
114,793
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
87
|
26,742,500
|
0
|
121,111
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
204
|
62,454,938
|
1
|
320,008
|
Total
|
92.2
|
53.2
|
81.6
|
3
|
850,000
|
843
|
263,795,237
|
3
|
1,042,281
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
43
|
12,536,045
|
0
|
11,527
|
25-29
|
648.3
|
648.3
|
721.5
|
1
|
350,000
|
121
|
37,679,045
|
0
|
48,508
|
30-34
|
240.7
|
240.7
|
206.1
|
1
|
250,000
|
192
|
56,036,282
|
0
|
121,302
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
173
|
52,129,921
|
1
|
167,321
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
152
|
52,998,245
|
1
|
261,514
|
45+
|
75.5
|
75.5
|
57.9
|
1
|
250,000
|
162
|
52,415,700
|
1
|
432,109
|
Total
|
92.2
|
53.2
|
81.6
|
3
|
850,000
|
843
|
263,795,237
|
3
|
1,042,281
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
14
|
3,808,922
|
0
|
2,721
|
25-29
|
1121.3
|
1121.3
|
1325.0
|
1
|
350,000
|
87
|
25,833,000
|
0
|
26,415
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
119
|
37,798,166
|
0
|
57,261
|
35-39
|
246.5
|
246.5
|
206.2
|
1
|
250,000
|
174
|
51,800,130
|
0
|
121,262
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
169
|
54,317,390
|
1
|
191,121
|
45-49
|
109.1
|
109.1
|
85.6
|
1
|
250,000
|
169
|
53,517,012
|
1
|
292,126
|
50+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
111
|
36,720,617
|
1
|
351,376
|
Total
|
92.2
|
53.2
|
81.6
|
3
|
850,000
|
843
|
263,795,237
|
3
|
1,042,281
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.0
|
3.2
|
18.4
|
32
|
751,100
|
43,351
|
1,003,231,462
|
180
|
4,071,214
|
2
|
41.7
|
4.8
|
43.4
|
75
|
1,774,470
|
38,596
|
897,145,603
|
180
|
4,084,916
|
3
|
42.2
|
4.7
|
42.7
|
82
|
1,872,863
|
36,491
|
849,298,326
|
193
|
4,389,562
|
4
|
50.3
|
4.9
|
49.0
|
106
|
2,385,354
|
35,503
|
833,434,006
|
212
|
4,863,158
|
5
|
49.8
|
4.7
|
50.4
|
111
|
2,607,930
|
33,907
|
802,874,137
|
223
|
5,179,569
|
6
|
57.8
|
5.1
|
61.5
|
129
|
3,211,497
|
30,573
|
728,351,749
|
223
|
5,223,952
|
7+
|
52.8
|
3.0
|
53.3
|
304
|
7,413,592
|
62,941
|
1,523,844,101
|
576
|
13,896,963
|
Total
|
47.0
|
1.6
|
48.0
|
840
|
20,016,806
|
281,361
|
6,638,179,383
|
1,788
|
41,709,333
|
By Issue Age
|
20-24
|
53.4
|
18.9
|
64.4
|
8
|
205,000
|
18,204
|
384,862,084
|
15
|
318,157
|
25-29
|
61.3
|
12.5
|
60.8
|
24
|
541,500
|
32,573
|
742,135,817
|
39
|
890,234
|
30-34
|
58.3
|
9.2
|
61.9
|
40
|
1,003,200
|
37,464
|
882,468,866
|
69
|
1,620,444
|
35-39
|
44.5
|
6.1
|
46.9
|
53
|
1,374,581
|
40,712
|
991,367,418
|
120
|
2,930,715
|
40-44
|
55.9
|
5.0
|
57.6
|
124
|
3,181,787
|
45,522
|
1,127,382,071
|
222
|
5,524,359
|
45-49
|
46.9
|
3.6
|
46.7
|
171
|
4,227,859
|
46,394
|
1,142,696,745
|
365
|
9,044,780
|
50-54
|
48.7
|
3.4
|
48.5
|
206
|
4,878,522
|
34,269
|
811,709,226
|
422
|
10,058,885
|
55-59
|
43.8
|
3.6
|
44.0
|
150
|
3,283,156
|
18,972
|
411,177,587
|
343
|
7,468,601
|
60+
|
32.8
|
4.1
|
34.3
|
63
|
1,321,201
|
7,251
|
144,379,569
|
192
|
3,853,158
|
Total
|
47.0
|
1.6
|
48.0
|
840
|
20,016,806
|
281,361
|
6,638,179,383
|
1,788
|
41,709,333
|
By Attained Age
|
20-24
|
86.8
|
43.4
|
87.9
|
4
|
85,000
|
7,047
|
146,848,245
|
5
|
96,662
|
25-29
|
58.2
|
16.2
|
61.0
|
13
|
305,000
|
24,073
|
537,274,386
|
22
|
499,812
|
30-34
|
40.5
|
9.3
|
40.8
|
19
|
441,500
|
34,004
|
782,306,638
|
47
|
1,081,182
|
35-39
|
49.9
|
8.0
|
55.7
|
39
|
1,037,200
|
37,387
|
886,421,013
|
78
|
1,862,819
|
40-44
|
50.4
|
6.1
|
50.4
|
68
|
1,665,912
|
40,459
|
986,464,389
|
135
|
3,303,984
|
45-49
|
46.6
|
4.3
|
48.6
|
115
|
2,959,930
|
45,243
|
1,112,639,013
|
248
|
6,087,502
|
50-54
|
53.4
|
3.8
|
54.3
|
194
|
4,774,882
|
41,530
|
1,010,026,924
|
362
|
8,791,585
|
55-59
|
44.9
|
3.3
|
43.9
|
181
|
4,151,002
|
29,719
|
698,637,535
|
404
|
9,451,311
|
60-64
|
43.1
|
3.7
|
43.3
|
133
|
2,959,614
|
15,730
|
348,747,640
|
310
|
6,838,754
|
65+
|
41.2
|
4.8
|
44.3
|
73
|
1,636,766
|
6,169
|
128,813,601
|
177
|
3,695,723
|
Total
|
47.0
|
1.6
|
48.0
|
840
|
20,016,806
|
281,361
|
6,638,179,383
|
1,788
|
41,709,333
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.7
|
3.6
|
27.4
|
54
|
2,955,000
|
64,496
|
3,454,873,390
|
203
|
10,799,377
|
2
|
46.1
|
4.8
|
46.0
|
91
|
4,865,250
|
55,800
|
3,002,413,810
|
198
|
10,581,501
|
3
|
46.5
|
4.7
|
44.9
|
97
|
5,016,763
|
51,189
|
2,765,844,430
|
209
|
11,181,456
|
4
|
53.4
|
4.9
|
52.2
|
121
|
6,353,533
|
48,547
|
2,634,233,437
|
227
|
12,173,467
|
5
|
54.2
|
4.7
|
54.8
|
131
|
7,142,027
|
46,122
|
2,513,455,743
|
242
|
13,033,252
|
6
|
48.8
|
4.5
|
48.4
|
118
|
6,314,225
|
41,276
|
2,251,803,642
|
242
|
13,040,811
|
7+
|
52.7
|
2.6
|
52.7
|
396
|
21,377,793
|
99,144
|
5,411,772,359
|
752
|
40,602,717
|
Total
|
48.7
|
1.5
|
48.5
|
1,010
|
54,024,591
|
406,575
|
22,034,396,811
|
2,073
|
111,412,580
|
By Issue Age
|
20-24
|
39.2
|
14.8
|
39.9
|
7
|
387,500
|
21,755
|
1,184,385,482
|
18
|
970,538
|
25-29
|
55.9
|
9.4
|
55.7
|
35
|
1,907,527
|
52,119
|
2,845,037,639
|
63
|
3,423,526
|
30-34
|
57.2
|
6.8
|
55.4
|
71
|
3,768,700
|
67,521
|
3,691,653,284
|
124
|
6,807,399
|
35-39
|
53.8
|
4.9
|
55.1
|
122
|
6,868,655
|
75,790
|
4,155,097,598
|
227
|
12,471,259
|
40-44
|
48.0
|
3.5
|
47.4
|
184
|
9,847,746
|
77,650
|
4,200,658,675
|
384
|
20,779,124
|
45-49
|
48.0
|
3.1
|
48.2
|
238
|
12,821,603
|
61,625
|
3,301,721,670
|
496
|
26,589,936
|
50-54
|
46.0
|
3.2
|
44.5
|
201
|
10,328,133
|
34,483
|
1,828,740,403
|
437
|
23,230,908
|
55-59
|
49.1
|
4.5
|
49.9
|
117
|
6,281,727
|
12,478
|
660,386,699
|
238
|
12,599,542
|
60-64
|
37.0
|
7.1
|
37.3
|
27
|
1,438,000
|
2,796
|
147,830,799
|
73
|
3,854,860
|
65+
|
54.5
|
20.6
|
54.7
|
7
|
375,000
|
357
|
18,884,560
|
13
|
685,488
|
Total
|
48.7
|
1.5
|
48.5
|
1,010
|
54,024,591
|
406,575
|
22,034,396,811
|
2,073
|
111,412,580
|
By Attained Age
|
20-24
|
34.5
|
24.4
|
31.8
|
2
|
100,000
|
8,741
|
474,158,016
|
6
|
314,180
|
25-29
|
59.5
|
13.6
|
60.9
|
19
|
1,054,027
|
34,354
|
1,863,422,418
|
32
|
1,730,312
|
30-34
|
57.2
|
8.5
|
55.9
|
45
|
2,391,000
|
56,859
|
3,097,149,450
|
79
|
4,279,113
|
35-39
|
47.8
|
5.9
|
47.5
|
66
|
3,585,973
|
66,431
|
3,634,553,975
|
138
|
7,552,339
|
40-44
|
47.7
|
4.5
|
47.7
|
113
|
6,174,999
|
71,472
|
3,901,641,075
|
237
|
12,943,471
|
45-49
|
48.2
|
3.5
|
48.1
|
185
|
10,031,816
|
71,113
|
3,857,466,350
|
385
|
20,846,512
|
50-54
|
47.8
|
3.2
|
47.5
|
221
|
11,760,616
|
53,156
|
2,844,495,689
|
463
|
24,759,579
|
55-59
|
50.0
|
3.5
|
49.6
|
200
|
10,544,683
|
29,239
|
1,556,877,590
|
399
|
21,270,806
|
60-64
|
48.8
|
4.6
|
48.6
|
114
|
6,018,477
|
11,723
|
620,092,456
|
234
|
12,393,431
|
65+
|
43.8
|
6.6
|
44.4
|
44
|
2,363,000
|
3,486
|
184,539,793
|
100
|
5,322,837
|
Total
|
48.7
|
1.5
|
48.5
|
1,010
|
54,024,591
|
406,575
|
22,034,396,811
|
2,073
|
111,412,580
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.3
|
3.4
|
23.5
|
50
|
5,585,000
|
76,286
|
8,706,962,257
|
207
|
23,743,774
|
2
|
54.8
|
5.0
|
54.7
|
121
|
13,902,200
|
73,587
|
8,401,051,555
|
222
|
25,418,724
|
3
|
59.6
|
4.9
|
60.5
|
146
|
17,011,000
|
72,801
|
8,320,781,578
|
245
|
28,113,839
|
4
|
52.4
|
4.4
|
51.7
|
141
|
15,970,000
|
70,909
|
8,105,285,592
|
269
|
30,907,562
|
5
|
57.3
|
4.5
|
57.8
|
163
|
18,873,905
|
67,108
|
7,681,059,868
|
285
|
32,676,899
|
6
|
51.7
|
4.2
|
49.8
|
148
|
16,392,417
|
60,421
|
6,928,433,315
|
286
|
32,933,309
|
7+
|
55.9
|
2.6
|
56.5
|
475
|
55,296,052
|
135,077
|
15,512,970,607
|
851
|
97,866,878
|
Total
|
52.7
|
1.5
|
52.7
|
1,246
|
143,030,574
|
556,189
|
63,656,544,772
|
2,365
|
271,660,985
|
By Issue Age
|
20-24
|
76.3
|
16.3
|
70.5
|
22
|
2,275,000
|
35,095
|
3,931,854,865
|
29
|
3,226,809
|
25-29
|
54.4
|
7.2
|
52.0
|
57
|
6,130,000
|
86,099
|
9,691,809,184
|
105
|
11,798,096
|
30-34
|
54.6
|
5.0
|
56.1
|
118
|
13,867,000
|
116,181
|
13,292,162,400
|
216
|
24,733,863
|
35-39
|
57.0
|
4.1
|
58.3
|
196
|
23,132,052
|
116,428
|
13,418,799,215
|
344
|
39,692,655
|
40-44
|
56.6
|
3.4
|
56.7
|
272
|
31,532,750
|
97,043
|
11,247,521,730
|
480
|
55,653,905
|
45-49
|
47.6
|
3.1
|
47.6
|
241
|
27,648,700
|
61,817
|
7,097,917,083
|
506
|
58,094,234
|
50-54
|
51.5
|
3.6
|
51.6
|
210
|
24,206,705
|
30,689
|
3,530,429,418
|
407
|
46,930,934
|
55-59
|
46.5
|
4.7
|
44.5
|
98
|
10,638,367
|
10,556
|
1,191,637,425
|
211
|
23,914,209
|
60-64
|
47.2
|
9.1
|
47.9
|
27
|
3,100,000
|
1,988
|
222,944,708
|
57
|
6,465,613
|
65+
|
47.2
|
21.1
|
43.5
|
5
|
500,000
|
292
|
31,468,744
|
11
|
1,150,668
|
Total
|
52.7
|
1.5
|
52.7
|
1,246
|
143,030,574
|
556,189
|
63,656,544,772
|
2,365
|
271,660,985
|
By Attained Age
|
20-24
|
69.2
|
28.2
|
66.5
|
6
|
650,000
|
13,083
|
1,473,936,372
|
9
|
977,034
|
25-29
|
59.0
|
11.0
|
56.4
|
29
|
3,105,000
|
53,385
|
5,978,178,764
|
49
|
5,502,570
|
30-34
|
52.1
|
6.4
|
50.5
|
66
|
7,235,000
|
92,680
|
10,488,177,800
|
127
|
14,322,450
|
35-39
|
51.2
|
4.7
|
51.7
|
118
|
13,670,000
|
112,737
|
12,917,735,515
|
231
|
26,454,603
|
40-44
|
59.4
|
4.1
|
61.3
|
206
|
24,594,052
|
106,513
|
12,319,717,846
|
347
|
40,131,143
|
45-49
|
52.6
|
3.4
|
52.4
|
241
|
27,743,250
|
84,881
|
9,824,272,485
|
457
|
52,908,365
|
50-54
|
52.0
|
3.3
|
51.1
|
245
|
27,820,700
|
53,529
|
6,166,419,795
|
472
|
54,448,972
|
55-59
|
47.0
|
3.5
|
47.5
|
177
|
20,548,905
|
26,623
|
3,043,425,511
|
377
|
43,271,107
|
60-64
|
54.8
|
5.0
|
53.9
|
118
|
13,212,667
|
10,132
|
1,150,416,807
|
215
|
24,529,248
|
65+
|
48.2
|
7.7
|
48.8
|
39
|
4,451,000
|
2,625
|
294,263,877
|
81
|
9,115,493
|
Total
|
52.7
|
1.5
|
52.7
|
1,246
|
143,030,574
|
556,189
|
63,656,544,772
|
2,365
|
271,660,985
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
36.7
|
9.8
|
28.2
|
14
|
4,037,500
|
12,012
|
4,380,346,686
|
38
|
14,292,320
|
2
|
42.5
|
10.3
|
46.9
|
17
|
6,911,667
|
11,145
|
4,005,674,522
|
40
|
14,738,451
|
3
|
47.5
|
10.6
|
53.5
|
20
|
8,278,349
|
10,439
|
3,743,433,319
|
43
|
15,487,108
|
4
|
62.5
|
11.8
|
65.2
|
28
|
10,625,000
|
9,852
|
3,511,042,960
|
45
|
16,288,284
|
5
|
61.3
|
11.6
|
51.2
|
28
|
8,400,000
|
8,957
|
3,155,971,039
|
46
|
16,400,453
|
6
|
70.8
|
12.5
|
81.0
|
32
|
13,160,000
|
7,978
|
2,799,626,279
|
45
|
16,252,108
|
7+
|
65.0
|
7.1
|
59.8
|
83
|
27,220,000
|
17,757
|
6,186,147,448
|
128
|
45,500,342
|
Total
|
57.9
|
3.9
|
56.6
|
223
|
78,632,516
|
78,140
|
27,782,242,253
|
385
|
138,959,065
|
By Issue Age
|
20-24
|
53.7
|
53.7
|
44.7
|
1
|
250,000
|
2,418
|
727,825,129
|
2
|
559,192
|
25-29
|
85.1
|
32.1
|
119.5
|
7
|
3,210,000
|
7,037
|
2,296,253,555
|
8
|
2,687,250
|
30-34
|
57.5
|
14.8
|
60.6
|
15
|
5,460,000
|
14,579
|
5,063,572,493
|
26
|
9,010,096
|
35-39
|
48.2
|
9.5
|
48.8
|
26
|
9,335,000
|
19,019
|
6,791,122,481
|
54
|
19,130,095
|
40-44
|
64.0
|
8.8
|
52.3
|
53
|
15,905,849
|
17,055
|
6,299,321,394
|
83
|
30,394,466
|
45-49
|
40.9
|
6.9
|
42.2
|
35
|
13,436,667
|
10,509
|
3,877,788,441
|
86
|
31,803,032
|
50-54
|
60.7
|
9.4
|
60.8
|
42
|
15,435,000
|
5,120
|
1,867,607,692
|
69
|
25,391,153
|
55-59
|
85.5
|
14.7
|
87.9
|
34
|
12,450,000
|
1,909
|
679,343,808
|
40
|
14,158,859
|
60-64
|
56.5
|
20.0
|
55.5
|
8
|
2,900,000
|
448
|
165,544,247
|
14
|
5,229,715
|
65+
|
50.5
|
50.5
|
42.0
|
1
|
250,000
|
46
|
13,863,014
|
2
|
595,206
|
Total
|
57.9
|
3.9
|
56.6
|
223
|
78,632,516
|
78,140
|
27,782,242,253
|
385
|
138,959,065
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,079
|
328,202,334
|
1
|
212,439
|
25-29
|
52.9
|
37.4
|
54.2
|
2
|
650,000
|
4,191
|
1,331,256,197
|
4
|
1,198,713
|
30-34
|
71.8
|
23.9
|
88.6
|
9
|
3,810,000
|
9,394
|
3,216,851,019
|
13
|
4,298,634
|
35-39
|
58.0
|
13.7
|
56.1
|
18
|
6,085,000
|
15,651
|
5,487,679,134
|
31
|
10,846,228
|
40-44
|
35.7
|
7.9
|
31.5
|
20
|
6,485,849
|
17,756
|
6,488,417,850
|
57
|
20,609,812
|
45-49
|
59.0
|
8.6
|
58.2
|
47
|
16,970,000
|
14,715
|
5,385,750,225
|
80
|
29,138,460
|
50-54
|
52.4
|
8.0
|
46.9
|
43
|
14,031,667
|
9,005
|
3,251,481,966
|
82
|
29,892,629
|
55-59
|
64.5
|
9.9
|
66.3
|
42
|
15,900,000
|
4,283
|
1,559,985,820
|
65
|
23,981,537
|
60-64
|
92.2
|
15.8
|
97.2
|
34
|
12,750,000
|
1,612
|
570,958,485
|
37
|
13,113,488
|
65+
|
44.2
|
16.7
|
34.4
|
7
|
1,950,000
|
453
|
161,659,224
|
16
|
5,667,126
|
Total
|
57.9
|
3.9
|
56.6
|
223
|
78,632,516
|
78,140
|
27,782,242,253
|
385
|
138,959,065
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
14.9
|
4.5
|
15.9
|
11
|
266,000
|
17,015
|
393,268,877
|
74
|
1,674,869
|
2
|
29.4
|
6.2
|
29.8
|
22
|
509,000
|
15,243
|
353,192,295
|
76
|
1,708,318
|
3
|
30.1
|
6.0
|
29.8
|
25
|
565,563
|
14,706
|
341,046,539
|
84
|
1,898,398
|
4
|
50.0
|
7.3
|
49.7
|
47
|
1,077,358
|
14,487
|
338,762,461
|
95
|
2,168,872
|
5
|
51.3
|
7.1
|
51.2
|
52
|
1,200,438
|
13,875
|
326,951,457
|
102
|
2,344,252
|
6
|
48.7
|
6.9
|
51.1
|
50
|
1,220,961
|
12,486
|
295,909,859
|
103
|
2,390,270
|
7+
|
53.6
|
4.4
|
55.2
|
150
|
3,700,933
|
26,443
|
635,115,151
|
280
|
6,707,866
|
Total
|
44.1
|
2.3
|
45.2
|
358
|
8,540,253
|
114,255
|
2,684,246,639
|
812
|
18,892,845
|
By Issue Age
|
20-24
|
56.2
|
32.4
|
84.7
|
3
|
95,000
|
7,452
|
155,824,688
|
5
|
112,105
|
25-29
|
67.2
|
22.4
|
82.6
|
9
|
251,500
|
13,103
|
298,627,421
|
13
|
304,609
|
30-34
|
36.7
|
12.2
|
29.8
|
9
|
170,000
|
15,632
|
364,407,787
|
24
|
571,312
|
35-39
|
40.6
|
9.5
|
41.2
|
18
|
449,581
|
17,052
|
411,458,957
|
45
|
1,090,132
|
40-44
|
53.6
|
7.7
|
53.6
|
48
|
1,190,379
|
18,466
|
454,375,349
|
90
|
2,220,683
|
45-49
|
46.0
|
5.3
|
47.0
|
75
|
1,890,910
|
18,845
|
461,279,394
|
163
|
4,022,399
|
50-54
|
47.2
|
4.8
|
46.5
|
96
|
2,256,007
|
13,631
|
321,341,688
|
204
|
4,855,501
|
55-59
|
39.9
|
4.8
|
42.1
|
69
|
1,596,548
|
7,444
|
162,625,918
|
173
|
3,790,127
|
60+
|
32.2
|
5.9
|
33.2
|
30
|
640,328
|
2,633
|
54,305,439
|
93
|
1,925,978
|
Total
|
44.1
|
2.3
|
45.2
|
358
|
8,540,253
|
114,255
|
2,684,246,639
|
812
|
18,892,845
|
By Attained Age
|
20-24
|
56.0
|
56.0
|
27.0
|
1
|
10,000
|
2,974
|
61,199,416
|
2
|
37,067
|
25-29
|
66.7
|
29.8
|
98.2
|
5
|
165,000
|
9,482
|
211,449,005
|
8
|
168,071
|
30-34
|
43.6
|
16.5
|
45.4
|
7
|
166,500
|
13,863
|
316,168,257
|
16
|
366,848
|
35-39
|
33.4
|
11.1
|
34.6
|
9
|
220,000
|
15,391
|
362,501,010
|
27
|
636,626
|
40-44
|
37.7
|
8.6
|
37.3
|
19
|
459,581
|
16,984
|
409,412,860
|
51
|
1,232,022
|
45-49
|
44.9
|
6.7
|
43.8
|
45
|
1,082,911
|
18,397
|
451,468,925
|
101
|
2,473,633
|
50-54
|
52.5
|
5.7
|
54.3
|
86
|
2,153,700
|
16,891
|
408,292,675
|
164
|
3,969,733
|
55-59
|
38.9
|
4.4
|
38.7
|
77
|
1,794,185
|
11,825
|
277,259,977
|
198
|
4,631,863
|
60-64
|
45.4
|
5.4
|
47.8
|
71
|
1,665,318
|
6,128
|
136,657,351
|
157
|
3,481,672
|
65+
|
41.8
|
6.9
|
43.4
|
37
|
823,058
|
2,320
|
49,837,164
|
89
|
1,895,311
|
Total
|
44.1
|
2.3
|
45.2
|
358
|
8,540,253
|
114,255
|
2,684,246,639
|
812
|
18,892,845
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.9
|
5.5
|
27.6
|
24
|
1,325,000
|
27,678
|
1,495,670,900
|
89
|
4,807,672
|
2
|
45.5
|
7.1
|
45.0
|
41
|
2,205,250
|
24,504
|
1,330,539,479
|
91
|
4,901,615
|
3
|
49.7
|
7.1
|
46.7
|
49
|
2,477,773
|
22,729
|
1,238,456,157
|
99
|
5,305,014
|
4
|
50.6
|
6.8
|
48.2
|
55
|
2,836,543
|
21,730
|
1,189,066,446
|
109
|
5,890,182
|
5
|
56.4
|
6.9
|
56.8
|
67
|
3,647,500
|
20,767
|
1,140,483,944
|
119
|
6,424,372
|
6
|
54.2
|
6.7
|
53.2
|
65
|
3,446,725
|
18,522
|
1,017,055,710
|
120
|
6,478,993
|
7+
|
50.6
|
3.6
|
50.0
|
194
|
10,390,332
|
44,175
|
2,420,677,962
|
384
|
20,771,798
|
Total
|
49.1
|
2.2
|
48.2
|
496
|
26,329,123
|
180,105
|
9,831,950,598
|
1,011
|
54,579,647
|
By Issue Age
|
20-24
|
14.6
|
14.6
|
13.4
|
1
|
50,000
|
9,458
|
516,637,775
|
7
|
374,039
|
25-29
|
74.8
|
18.1
|
72.4
|
17
|
906,000
|
22,021
|
1,210,600,020
|
23
|
1,251,229
|
30-34
|
43.4
|
9.7
|
39.9
|
20
|
1,017,500
|
29,348
|
1,615,747,034
|
46
|
2,552,474
|
35-39
|
41.2
|
6.8
|
42.6
|
37
|
2,115,520
|
33,206
|
1,836,761,791
|
90
|
4,964,581
|
40-44
|
35.5
|
4.5
|
35.4
|
61
|
3,317,443
|
34,940
|
1,907,063,620
|
172
|
9,375,171
|
45-49
|
50.9
|
4.5
|
50.2
|
126
|
6,692,800
|
28,149
|
1,517,655,439
|
248
|
13,334,008
|
50-54
|
56.1
|
4.8
|
54.1
|
134
|
6,913,133
|
15,775
|
843,471,855
|
239
|
12,776,772
|
55-59
|
55.8
|
6.3
|
56.0
|
78
|
4,153,727
|
5,855
|
312,531,216
|
139
|
7,421,674
|
60-64
|
43.1
|
10.5
|
42.9
|
17
|
888,000
|
1,159
|
60,885,983
|
39
|
2,068,569
|
65+
|
59.2
|
26.5
|
59.6
|
5
|
275,000
|
195
|
10,595,864
|
8
|
461,130
|
Total
|
49.1
|
2.2
|
48.2
|
496
|
26,329,123
|
180,105
|
9,831,950,598
|
1,011
|
54,579,647
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,889
|
211,470,258
|
2
|
130,276
|
25-29
|
78.8
|
26.3
|
74.6
|
9
|
465,000
|
14,246
|
777,313,652
|
11
|
622,988
|
30-34
|
53.3
|
13.8
|
51.2
|
15
|
791,000
|
24,040
|
1,320,225,766
|
28
|
1,543,975
|
35-39
|
38.7
|
8.6
|
36.2
|
20
|
1,037,273
|
29,427
|
1,626,559,131
|
52
|
2,865,643
|
40-44
|
31.1
|
5.7
|
32.4
|
30
|
1,715,747
|
31,994
|
1,758,630,235
|
97
|
5,299,768
|
45-49
|
41.0
|
4.9
|
40.0
|
71
|
3,781,943
|
32,038
|
1,751,251,351
|
173
|
9,466,157
|
50-54
|
46.3
|
4.5
|
45.8
|
108
|
5,742,500
|
24,202
|
1,301,469,562
|
233
|
12,532,894
|
55-59
|
63.6
|
5.4
|
62.8
|
140
|
7,392,183
|
13,296
|
713,501,344
|
219
|
11,772,921
|
60-64
|
56.7
|
6.5
|
55.1
|
77
|
3,990,477
|
5,394
|
287,514,051
|
136
|
7,243,012
|
65+
|
44.6
|
8.8
|
45.6
|
26
|
1,413,000
|
1,579
|
84,015,247
|
58
|
3,102,011
|
Total
|
49.1
|
2.2
|
48.2
|
496
|
26,329,123
|
180,105
|
9,831,950,598
|
1,011
|
54,579,647
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.6
|
4.8
|
24.4
|
26
|
3,030,000
|
38,368
|
4,448,480,537
|
106
|
12,416,689
|
2
|
48.7
|
6.5
|
50.1
|
56
|
6,742,200
|
37,200
|
4,308,182,464
|
115
|
13,456,522
|
3
|
47.7
|
6.1
|
47.2
|
62
|
7,122,500
|
36,878
|
4,272,694,952
|
129
|
15,090,996
|
4
|
44.2
|
5.5
|
43.3
|
64
|
7,330,000
|
36,016
|
4,173,992,857
|
145
|
16,917,868
|
5
|
52.6
|
5.8
|
51.8
|
82
|
9,423,905
|
34,183
|
3,965,140,004
|
156
|
18,183,825
|
6
|
39.0
|
5.0
|
37.7
|
62
|
6,999,667
|
30,795
|
3,583,151,212
|
159
|
18,565,710
|
7+
|
50.8
|
3.2
|
52.1
|
254
|
30,442,000
|
70,277
|
8,190,414,469
|
501
|
58,383,244
|
Total
|
46.2
|
1.9
|
46.5
|
607
|
71,090,272
|
283,717
|
32,942,056,496
|
1,312
|
153,014,855
|
By Issue Age
|
20-24
|
81.9
|
25.9
|
76.4
|
10
|
1,050,000
|
16,663
|
1,878,440,224
|
12
|
1,373,878
|
25-29
|
64.0
|
12.3
|
59.1
|
27
|
2,830,000
|
40,163
|
4,556,347,804
|
42
|
4,791,344
|
30-34
|
49.9
|
7.3
|
53.0
|
47
|
5,810,000
|
58,229
|
6,750,812,851
|
94
|
10,953,392
|
35-39
|
42.3
|
5.1
|
43.7
|
68
|
8,265,000
|
59,644
|
6,982,603,572
|
161
|
18,897,884
|
40-44
|
43.9
|
4.2
|
43.3
|
112
|
12,982,000
|
51,512
|
6,066,192,928
|
254
|
29,987,188
|
45-49
|
39.4
|
3.7
|
39.7
|
115
|
13,548,200
|
33,016
|
3,852,458,306
|
293
|
34,148,078
|
50-54
|
54.0
|
4.5
|
55.2
|
141
|
16,931,705
|
17,037
|
2,000,121,978
|
262
|
30,647,195
|
55-59
|
44.5
|
5.6
|
43.3
|
64
|
7,148,367
|
6,041
|
693,358,038
|
144
|
16,507,994
|
60-64
|
45.2
|
10.4
|
45.9
|
19
|
2,225,000
|
1,230
|
141,723,959
|
42
|
4,846,887
|
65+
|
38.7
|
22.3
|
34.8
|
3
|
300,000
|
180
|
19,996,837
|
8
|
861,014
|
Total
|
46.2
|
1.9
|
46.5
|
607
|
71,090,272
|
283,717
|
32,942,056,496
|
1,312
|
153,014,855
|
By Attained Age
|
20-24
|
51.7
|
36.6
|
57.1
|
2
|
250,000
|
6,235
|
705,856,617
|
4
|
437,905
|
25-29
|
65.2
|
18.1
|
63.5
|
13
|
1,430,000
|
24,768
|
2,793,692,010
|
20
|
2,250,414
|
30-34
|
60.6
|
10.7
|
59.3
|
32
|
3,585,000
|
44,777
|
5,125,774,461
|
53
|
6,048,549
|
35-39
|
38.9
|
6.2
|
38.7
|
39
|
4,520,000
|
56,847
|
6,592,959,323
|
101
|
11,688,556
|
40-44
|
52.1
|
5.6
|
52.6
|
86
|
10,235,000
|
55,233
|
6,493,770,554
|
165
|
19,467,488
|
45-49
|
32.7
|
3.7
|
33.5
|
79
|
9,547,000
|
44,985
|
5,288,806,150
|
243
|
28,498,708
|
50-54
|
48.2
|
4.2
|
48.0
|
132
|
15,480,700
|
28,656
|
3,361,276,780
|
275
|
32,272,435
|
55-59
|
47.2
|
4.4
|
48.3
|
114
|
13,628,905
|
14,640
|
1,707,551,590
|
242
|
28,218,381
|
60-64
|
51.9
|
5.9
|
51.9
|
78
|
9,012,667
|
5,955
|
687,876,725
|
150
|
17,352,417
|
65+
|
50.4
|
9.2
|
50.2
|
30
|
3,401,000
|
1,620
|
184,492,286
|
60
|
6,780,001
|
Total
|
46.2
|
1.9
|
46.5
|
607
|
71,090,272
|
283,717
|
32,942,056,496
|
1,312
|
153,014,855
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.5
|
10.7
|
25.0
|
8
|
2,537,500
|
7,985
|
3,025,383,850
|
27
|
10,165,681
|
2
|
49.7
|
13.3
|
50.6
|
14
|
5,401,667
|
7,458
|
2,778,190,400
|
28
|
10,677,476
|
3
|
47.0
|
12.5
|
46.3
|
14
|
5,268,349
|
7,016
|
2,614,294,406
|
30
|
11,384,441
|
4
|
59.2
|
13.6
|
63.0
|
19
|
7,625,000
|
6,683
|
2,471,601,498
|
32
|
12,103,176
|
5
|
48.3
|
12.1
|
40.8
|
16
|
5,025,000
|
6,112
|
2,230,978,846
|
33
|
12,314,325
|
6
|
53.9
|
12.7
|
57.7
|
18
|
7,180,000
|
5,512
|
2,007,038,005
|
33
|
12,434,674
|
7+
|
68.8
|
8.4
|
62.9
|
67
|
22,560,000
|
12,493
|
4,513,061,455
|
97
|
35,846,296
|
Total
|
55.6
|
4.4
|
53.0
|
156
|
55,597,516
|
53,259
|
19,640,548,460
|
281
|
104,926,070
|
By Issue Age
|
20-24
|
96.4
|
96.4
|
78.0
|
1
|
250,000
|
1,445
|
446,117,848
|
1
|
320,477
|
25-29
|
91.0
|
45.5
|
81.9
|
4
|
1,200,000
|
4,153
|
1,388,741,720
|
4
|
1,465,591
|
30-34
|
70.6
|
21.3
|
79.3
|
11
|
4,460,000
|
9,520
|
3,430,833,112
|
16
|
5,625,468
|
35-39
|
48.8
|
11.8
|
48.1
|
17
|
6,160,000
|
13,006
|
4,791,372,264
|
35
|
12,800,979
|
40-44
|
61.6
|
10.3
|
49.6
|
36
|
11,015,849
|
12,056
|
4,614,429,986
|
59
|
22,222,548
|
45-49
|
39.1
|
7.8
|
38.8
|
25
|
9,636,667
|
7,513
|
2,904,399,655
|
64
|
24,829,055
|
50-54
|
50.9
|
9.6
|
52.1
|
28
|
10,725,000
|
3,735
|
1,396,727,154
|
55
|
20,603,978
|
55-59
|
77.3
|
15.5
|
76.8
|
25
|
9,000,000
|
1,408
|
513,744,388
|
32
|
11,721,809
|
60-64
|
61.8
|
21.9
|
60.7
|
8
|
2,900,000
|
382
|
141,569,320
|
13
|
4,779,666
|
65+
|
54.8
|
54.8
|
44.9
|
1
|
250,000
|
41
|
12,613,014
|
2
|
556,497
|
Total
|
55.6
|
4.4
|
53.0
|
156
|
55,597,516
|
53,259
|
19,640,548,460
|
281
|
104,926,070
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
611
|
192,032,988
|
0
|
118,143
|
25-29
|
99.9
|
70.7
|
99.1
|
2
|
650,000
|
2,454
|
802,227,514
|
2
|
656,137
|
30-34
|
85.4
|
34.9
|
72.1
|
6
|
1,800,000
|
5,819
|
2,059,816,599
|
7
|
2,495,612
|
35-39
|
48.2
|
16.0
|
55.9
|
9
|
3,810,000
|
10,423
|
3,780,623,826
|
19
|
6,813,667
|
40-44
|
40.8
|
10.5
|
31.9
|
15
|
4,475,849
|
12,295
|
4,636,178,031
|
37
|
14,011,064
|
45-49
|
56.1
|
9.9
|
53.2
|
32
|
11,540,000
|
10,524
|
4,004,035,993
|
57
|
21,681,570
|
50-54
|
50.7
|
9.1
|
46.0
|
31
|
10,621,667
|
6,369
|
2,390,443,907
|
61
|
23,075,471
|
55-59
|
49.3
|
9.6
|
48.6
|
26
|
9,700,000
|
3,195
|
1,203,713,165
|
53
|
19,951,663
|
60-64
|
95.7
|
17.8
|
103.6
|
29
|
11,350,000
|
1,192
|
433,114,580
|
30
|
10,953,058
|
65+
|
42.2
|
17.2
|
31.9
|
6
|
1,650,000
|
379
|
138,361,859
|
14
|
5,169,684
|
Total
|
55.6
|
4.4
|
53.0
|
156
|
55,597,516
|
53,259
|
19,640,548,460
|
281
|
104,926,070
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.1
|
4.4
|
20.2
|
21
|
485,100
|
26,336
|
609,962,585
|
106
|
2,396,345
|
2
|
50.6
|
6.9
|
53.2
|
53
|
1,265,470
|
23,353
|
543,953,308
|
105
|
2,376,597
|
3
|
51.5
|
6.9
|
52.5
|
56
|
1,307,300
|
21,785
|
508,251,787
|
109
|
2,491,164
|
4
|
50.5
|
6.6
|
48.5
|
59
|
1,307,996
|
21,015
|
494,671,545
|
117
|
2,694,286
|
5
|
48.5
|
6.3
|
49.6
|
59
|
1,407,492
|
20,032
|
475,922,679
|
122
|
2,835,317
|
6
|
65.6
|
7.4
|
70.2
|
79
|
1,990,536
|
18,087
|
432,441,890
|
120
|
2,833,681
|
7+
|
52.0
|
4.2
|
51.6
|
154
|
3,712,659
|
36,497
|
888,728,949
|
296
|
7,189,097
|
Total
|
49.4
|
2.2
|
50.3
|
482
|
11,476,553
|
167,106
|
3,953,932,744
|
976
|
22,816,488
|
By Issue Age
|
20-24
|
51.8
|
23.2
|
53.4
|
5
|
110,000
|
10,752
|
229,037,397
|
10
|
206,052
|
25-29
|
58.2
|
15.0
|
49.5
|
15
|
290,000
|
19,470
|
443,508,396
|
26
|
585,625
|
30-34
|
70.3
|
12.6
|
79.4
|
31
|
833,200
|
21,832
|
518,061,079
|
44
|
1,049,133
|
35-39
|
46.8
|
7.9
|
50.3
|
35
|
925,000
|
23,661
|
579,908,461
|
75
|
1,840,583
|
40-44
|
57.4
|
6.6
|
60.3
|
76
|
1,991,408
|
27,057
|
673,006,722
|
132
|
3,303,675
|
45-49
|
47.6
|
4.9
|
46.5
|
96
|
2,336,949
|
27,550
|
681,417,351
|
202
|
5,022,381
|
50-54
|
50.1
|
4.8
|
50.4
|
109
|
2,622,515
|
20,638
|
490,367,538
|
218
|
5,203,384
|
55-59
|
47.8
|
5.3
|
45.9
|
81
|
1,686,608
|
11,528
|
248,551,669
|
170
|
3,678,474
|
60+
|
33.4
|
5.8
|
35.3
|
33
|
680,873
|
4,618
|
90,074,130
|
99
|
1,927,180
|
Total
|
49.4
|
2.2
|
50.3
|
482
|
11,476,553
|
167,106
|
3,953,932,744
|
976
|
22,816,488
|
By Attained Age
|
20-24
|
106.3
|
61.4
|
125.9
|
3
|
75,000
|
4,073
|
85,648,829
|
3
|
59,594
|
25-29
|
54.0
|
19.1
|
42.2
|
8
|
140,000
|
14,591
|
325,825,381
|
15
|
331,741
|
30-34
|
38.9
|
11.2
|
38.5
|
12
|
275,000
|
20,141
|
466,138,381
|
31
|
714,333
|
35-39
|
58.5
|
10.7
|
66.6
|
30
|
817,200
|
21,996
|
523,920,003
|
51
|
1,226,193
|
40-44
|
58.2
|
8.3
|
58.2
|
49
|
1,206,331
|
23,475
|
577,051,530
|
84
|
2,071,962
|
45-49
|
47.7
|
5.7
|
51.9
|
70
|
1,877,019
|
26,846
|
661,170,088
|
147
|
3,613,869
|
50-54
|
54.2
|
5.2
|
54.4
|
107
|
2,621,182
|
24,639
|
601,734,249
|
198
|
4,821,852
|
55-59
|
50.7
|
5.0
|
48.9
|
104
|
2,356,817
|
17,894
|
421,377,558
|
206
|
4,819,448
|
60-64
|
40.7
|
5.2
|
38.6
|
62
|
1,294,296
|
9,601
|
212,090,288
|
153
|
3,357,082
|
65+
|
40.7
|
6.8
|
45.2
|
36
|
813,708
|
3,849
|
78,976,437
|
89
|
1,800,412
|
Total
|
49.4
|
2.2
|
50.3
|
482
|
11,476,553
|
167,106
|
3,953,932,744
|
976
|
22,816,488
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.5
|
4.8
|
27.2
|
30
|
1,630,000
|
36,818
|
1,959,202,491
|
113
|
5,991,705
|
2
|
46.7
|
6.6
|
46.8
|
50
|
2,660,000
|
31,296
|
1,671,874,331
|
107
|
5,679,886
|
3
|
43.7
|
6.3
|
43.2
|
48
|
2,538,990
|
28,460
|
1,527,388,272
|
110
|
5,876,441
|
4
|
56.1
|
6.9
|
56.0
|
66
|
3,516,990
|
26,818
|
1,445,166,991
|
118
|
6,283,285
|
5
|
52.1
|
6.5
|
52.9
|
64
|
3,494,527
|
25,355
|
1,372,971,799
|
123
|
6,608,880
|
6
|
43.5
|
6.0
|
43.7
|
53
|
2,867,500
|
22,754
|
1,234,747,933
|
122
|
6,561,818
|
7+
|
54.9
|
3.9
|
55.4
|
202
|
10,987,461
|
54,969
|
2,991,094,397
|
369
|
19,830,919
|
Total
|
48.4
|
2.1
|
48.7
|
514
|
27,695,468
|
226,470
|
12,202,446,213
|
1,063
|
56,832,933
|
By Issue Age
|
20-24
|
54.6
|
22.3
|
56.6
|
6
|
337,500
|
12,297
|
667,747,707
|
11
|
596,499
|
25-29
|
45.1
|
10.6
|
46.1
|
18
|
1,001,527
|
30,098
|
1,634,437,619
|
40
|
2,172,297
|
30-34
|
65.4
|
9.2
|
64.7
|
51
|
2,751,200
|
38,174
|
2,075,906,250
|
78
|
4,254,925
|
35-39
|
62.0
|
6.7
|
63.3
|
85
|
4,753,135
|
42,584
|
2,318,335,807
|
138
|
7,506,678
|
40-44
|
58.1
|
5.2
|
57.3
|
123
|
6,530,303
|
42,711
|
2,293,595,055
|
212
|
11,403,953
|
45-49
|
45.1
|
4.3
|
46.2
|
112
|
6,128,803
|
33,476
|
1,784,066,231
|
249
|
13,255,929
|
50-54
|
33.8
|
4.1
|
32.7
|
67
|
3,415,000
|
18,708
|
985,268,547
|
199
|
10,454,135
|
55-59
|
39.6
|
6.3
|
41.1
|
39
|
2,128,000
|
6,623
|
347,855,484
|
99
|
5,177,868
|
60+
|
31.6
|
9.1
|
32.3
|
12
|
650,000
|
1,799
|
95,233,513
|
38
|
2,010,649
|
Total
|
48.4
|
2.1
|
48.7
|
514
|
27,695,468
|
226,470
|
12,202,446,213
|
1,063
|
56,832,933
|
By Attained Age
|
20-24
|
58.8
|
41.6
|
54.4
|
2
|
100,000
|
4,852
|
262,687,757
|
3
|
183,904
|
25-29
|
48.8
|
15.4
|
53.2
|
10
|
589,027
|
20,107
|
1,086,108,767
|
21
|
1,107,323
|
30-34
|
59.4
|
10.8
|
58.5
|
30
|
1,600,000
|
32,819
|
1,776,923,683
|
51
|
2,735,138
|
35-39
|
53.2
|
7.8
|
54.4
|
46
|
2,548,700
|
37,004
|
2,007,994,844
|
86
|
4,686,696
|
40-44
|
59.2
|
6.5
|
58.3
|
83
|
4,459,252
|
39,478
|
2,143,010,839
|
141
|
7,643,703
|
45-49
|
54.0
|
5.1
|
54.9
|
114
|
6,249,873
|
39,074
|
2,106,214,999
|
211
|
11,380,355
|
50-54
|
49.3
|
4.6
|
49.2
|
113
|
6,018,116
|
28,955
|
1,543,026,127
|
230
|
12,226,685
|
55-59
|
33.5
|
4.3
|
33.2
|
60
|
3,152,500
|
15,943
|
843,376,246
|
180
|
9,497,885
|
60-64
|
37.8
|
6.2
|
39.4
|
37
|
2,028,000
|
6,329
|
332,578,405
|
98
|
5,150,419
|
65+
|
42.7
|
10.1
|
42.8
|
18
|
950,000
|
1,908
|
100,524,545
|
42
|
2,220,825
|
Total
|
48.4
|
2.1
|
48.7
|
514
|
27,695,468
|
226,470
|
12,202,446,213
|
1,063
|
56,832,933
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.0
|
4.9
|
22.6
|
24
|
2,555,000
|
37,918
|
4,258,481,720
|
101
|
11,327,084
|
2
|
61.3
|
7.6
|
59.9
|
65
|
7,160,000
|
36,387
|
4,092,869,092
|
106
|
11,962,202
|
3
|
73.0
|
8.0
|
75.9
|
84
|
9,888,500
|
35,923
|
4,048,086,626
|
115
|
13,022,843
|
4
|
62.0
|
7.1
|
61.8
|
77
|
8,640,000
|
34,893
|
3,931,292,735
|
124
|
13,989,695
|
5
|
63.0
|
7.0
|
65.2
|
81
|
9,450,000
|
32,925
|
3,715,919,864
|
129
|
14,493,074
|
6
|
67.6
|
7.3
|
65.4
|
86
|
9,392,750
|
29,626
|
3,345,282,103
|
127
|
14,367,599
|
7+
|
63.1
|
4.2
|
62.9
|
221
|
24,854,052
|
64,800
|
7,322,556,137
|
350
|
39,483,633
|
Total
|
60.7
|
2.4
|
60.6
|
639
|
71,940,302
|
272,472
|
30,714,488,276
|
1,053
|
118,646,130
|
By Issue Age
|
20-24
|
72.1
|
20.8
|
66.1
|
12
|
1,225,000
|
18,432
|
2,053,414,641
|
17
|
1,852,931
|
25-29
|
47.9
|
8.7
|
47.1
|
30
|
3,300,000
|
45,936
|
5,135,461,380
|
63
|
7,006,751
|
30-34
|
58.4
|
6.9
|
58.5
|
71
|
8,057,000
|
57,951
|
6,541,349,548
|
122
|
13,780,471
|
35-39
|
69.8
|
6.2
|
71.5
|
128
|
14,867,052
|
56,784
|
6,436,195,643
|
183
|
20,794,771
|
40-44
|
71.0
|
5.6
|
72.3
|
160
|
18,550,750
|
45,531
|
5,181,328,802
|
226
|
25,666,716
|
45-49
|
58.9
|
5.3
|
58.9
|
125
|
14,100,500
|
28,800
|
3,245,458,777
|
213
|
23,946,156
|
50-54
|
47.1
|
5.7
|
44.7
|
68
|
7,275,000
|
13,652
|
1,530,307,441
|
145
|
16,283,738
|
55-59
|
50.7
|
8.7
|
47.1
|
34
|
3,490,000
|
4,515
|
498,279,387
|
67
|
7,406,215
|
60-64
|
52.9
|
18.7
|
54.1
|
8
|
875,000
|
759
|
81,220,749
|
15
|
1,618,726
|
65+
|
70.5
|
49.9
|
69.0
|
2
|
200,000
|
112
|
11,471,907
|
3
|
289,654
|
Total
|
60.7
|
2.4
|
60.6
|
639
|
71,940,302
|
272,472
|
30,714,488,276
|
1,053
|
118,646,130
|
By Attained Age
|
20-24
|
83.2
|
41.6
|
74.2
|
4
|
400,000
|
6,848
|
768,079,754
|
5
|
539,130
|
25-29
|
54.8
|
13.7
|
51.5
|
16
|
1,675,000
|
28,617
|
3,184,486,754
|
29
|
3,252,156
|
30-34
|
46.0
|
7.9
|
44.1
|
34
|
3,650,000
|
47,903
|
5,362,403,339
|
74
|
8,273,901
|
35-39
|
60.6
|
6.8
|
62.0
|
79
|
9,150,000
|
55,890
|
6,324,776,192
|
130
|
14,766,048
|
40-44
|
66.0
|
6.0
|
69.5
|
120
|
14,359,052
|
51,280
|
5,825,947,292
|
182
|
20,663,655
|
45-49
|
75.0
|
5.9
|
74.5
|
161
|
18,196,250
|
39,896
|
4,535,466,335
|
215
|
24,409,657
|
50-54
|
57.3
|
5.4
|
55.6
|
113
|
12,340,000
|
24,872
|
2,805,143,015
|
197
|
22,176,536
|
55-59
|
46.6
|
5.9
|
46.0
|
63
|
6,920,000
|
11,982
|
1,335,873,922
|
135
|
15,052,726
|
60-64
|
61.7
|
9.8
|
58.5
|
40
|
4,200,000
|
4,178
|
462,540,082
|
65
|
7,176,831
|
65+
|
42.0
|
14.0
|
45.0
|
9
|
1,050,000
|
1,004
|
109,771,591
|
21
|
2,335,492
|
Total
|
60.7
|
2.4
|
60.6
|
639
|
71,940,302
|
272,472
|
30,714,488,276
|
1,053
|
118,646,130
|
Thomson Data Analysis Tue Sep 30 15:52:24 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 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
50.5
|
20.6
|
36.3
|
6
|
1,500,000
|
4,027
|
1,354,962,836
|
12
|
4,126,639
|
2
|
25.4
|
14.5
|
37.2
|
3
|
1,510,000
|
3,687
|
1,227,484,122
|
12
|
4,060,975
|
3
|
48.7
|
19.9
|
73.4
|
6
|
3,010,000
|
3,422
|
1,129,138,913
|
12
|
4,102,667
|
4
|
71.0
|
23.7
|
71.7
|
9
|
3,000,000
|
3,169
|
1,039,441,462
|
13
|
4,185,108
|
5
|
96.1
|
27.7
|
82.6
|
12
|
3,375,000
|
2,845
|
924,992,193
|
12
|
4,086,128
|
6
|
118.7
|
31.7
|
156.6
|
14
|
5,980,000
|
2,466
|
792,588,274
|
12
|
3,817,434
|
7+
|
52.9
|
13.2
|
48.3
|
16
|
4,660,000
|
5,264
|
1,673,085,993
|
30
|
9,654,046
|
Total
|
63.9
|
7.9
|
67.7
|
66
|
23,035,000
|
24,880
|
8,141,693,794
|
103
|
34,032,995
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
974
|
281,707,281
|
1
|
238,715
|
25-29
|
78.4
|
45.0
|
164.5
|
3
|
2,010,000
|
2,884
|
907,511,835
|
4
|
1,221,659
|
30-34
|
37.9
|
19.0
|
29.5
|
4
|
1,000,000
|
5,059
|
1,632,739,381
|
11
|
3,384,628
|
35-39
|
47.3
|
15.8
|
50.2
|
9
|
3,175,000
|
6,013
|
1,999,750,217
|
19
|
6,329,116
|
40-44
|
69.6
|
16.9
|
59.8
|
17
|
4,890,000
|
4,999
|
1,684,891,408
|
24
|
8,171,918
|
45-49
|
46.1
|
14.6
|
54.5
|
10
|
3,800,000
|
2,995
|
973,388,786
|
22
|
6,973,978
|
50-54
|
99.1
|
26.5
|
98.4
|
14
|
4,710,000
|
1,385
|
470,880,539
|
14
|
4,787,175
|
55-59
|
120.6
|
40.2
|
141.6
|
9
|
3,450,000
|
501
|
165,599,420
|
7
|
2,437,050
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
71
|
25,224,927
|
1
|
488,758
|
Total
|
63.9
|
7.9
|
67.7
|
66
|
23,035,000
|
24,880
|
8,141,693,794
|
103
|
34,032,995
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
468
|
136,169,346
|
0
|
94,295
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,737
|
529,028,683
|
2
|
542,576
|
30-34
|
54.6
|
31.3
|
111.5
|
3
|
2,010,000
|
3,575
|
1,157,034,420
|
6
|
1,803,022
|
35-39
|
73.0
|
24.3
|
56.4
|
9
|
2,275,000
|
5,228
|
1,707,055,308
|
12
|
4,032,561
|
40-44
|
25.9
|
11.5
|
30.5
|
5
|
2,010,000
|
5,462
|
1,852,239,820
|
19
|
6,598,749
|
45-49
|
66.3
|
17.1
|
72.8
|
15
|
5,430,000
|
4,191
|
1,381,714,232
|
23
|
7,456,890
|
50-54
|
57.4
|
16.6
|
50.0
|
12
|
3,410,000
|
2,636
|
861,038,059
|
21
|
6,817,158
|
55-59
|
130.3
|
32.6
|
153.9
|
16
|
6,200,000
|
1,088
|
356,272,655
|
12
|
4,029,873
|
60-64
|
76.0
|
34.0
|
64.8
|
5
|
1,400,000
|
420
|
137,843,905
|
7
|
2,160,430
|
65+
|
62.7
|
62.7
|
60.3
|
1
|
300,000
|
75
|
23,297,365
|
2
|
497,442
|
Total
|
63.9
|
7.9
|
67.7
|
66
|
23,035,000
|
24,880
|
8,141,693,794
|
103
|
34,032,995
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.1
TOTAL EXPERIENCE BY ILLNESS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.2
|
1.3
|
70.2
|
2,723
|
231,817,662
|
1,469,197
|
129,436,934,782
|
4,115
|
330,456,633
|
Cardio
|
38.0
|
1.3
|
34.1
|
795
|
62,724,656
|
1,469,197
|
129,436,934,782
|
2,092
|
183,879,075
|
Organ
|
9.2
|
2.0
|
7.3
|
22
|
1,552,477
|
1,442,122
|
127,597,620,658
|
240
|
21,350,137
|
Neuro
|
29.5
|
2.3
|
41.3
|
171
|
19,476,920
|
1,442,039
|
127,591,403,855
|
579
|
47,173,950
|
Accident/Infectious
|
47.6
|
7.5
|
63.7
|
40
|
4,680,000
|
1,445,493
|
127,818,390,552
|
84
|
7,343,715
|
LOIE
|
9.4
|
6.6
|
38.4
|
2
|
700,000
|
381,754
|
32,112,306,655
|
21
|
1,822,563
|
Non-LT
|
15.4
|
5.6
|
15.9
|
8
|
707,250
|
880,371
|
14,148,673,700
|
49
|
4,446,129
|
Total
|
52.4
|
0.9
|
53.9
|
3,761
|
321,658,965
|
8,530,173
|
688,142,264,983
|
7,180
|
596,472,202
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.2
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
64.7
|
1.9
|
68.8
|
1,109
|
109,606,785
|
712,768
|
70,877,156,609
|
1,714
|
159,357,057
|
Cardio
|
40.8
|
1.6
|
36.2
|
625
|
52,831,181
|
712,768
|
70,877,156,609
|
1,533
|
145,826,270
|
Organ
|
12.9
|
3.0
|
9.2
|
19
|
1,337,477
|
698,472
|
69,814,443,429
|
147
|
14,514,855
|
Neuro
|
32.7
|
3.7
|
46.2
|
80
|
10,715,829
|
698,438
|
69,811,676,352
|
244
|
23,205,046
|
Accident/Infectious
|
43.2
|
9.7
|
62.6
|
20
|
2,845,000
|
700,307
|
69,938,699,047
|
46
|
4,547,886
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
181,612
|
17,852,952,097
|
11
|
1,081,248
|
Non-LT
|
14.4
|
6.9
|
15.1
|
4
|
450,350
|
431,014
|
7,682,419,364
|
30
|
2,992,208
|
Total
|
49.9
|
1.2
|
50.6
|
1,857
|
177,786,622
|
4,135,378
|
376,854,503,507
|
3,725
|
351,524,571
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.3
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
67.2
|
1.7
|
71.4
|
1,614
|
122,210,877
|
756,429
|
58,559,778,172
|
2,401
|
171,099,576
|
Cardio
|
30.4
|
2.3
|
26.0
|
170
|
9,893,475
|
756,429
|
58,559,778,172
|
560
|
38,052,805
|
Organ
|
3.2
|
1.9
|
3.1
|
3
|
215,000
|
743,650
|
57,783,177,229
|
92
|
6,835,282
|
Neuro
|
27.2
|
2.9
|
36.6
|
91
|
8,761,091
|
743,601
|
57,779,727,503
|
334
|
23,968,904
|
Accident/Infectious
|
53.1
|
11.9
|
65.6
|
20
|
1,835,000
|
745,187
|
57,879,691,506
|
38
|
2,795,829
|
LOIE
|
18.7
|
13.2
|
94.4
|
2
|
700,000
|
200,142
|
14,259,354,558
|
11
|
741,315
|
Non-LT
|
16.8
|
9.4
|
17.7
|
3
|
256,900
|
449,358
|
6,466,254,336
|
19
|
1,453,921
|
Total
|
55.1
|
1.3
|
58.7
|
1,903
|
143,872,343
|
4,394,795
|
311,287,761,476
|
3,455
|
244,947,632
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.4
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
82.5
|
5.1
|
83.0
|
266
|
14,801,515
|
147,291
|
9,329,181,665
|
322
|
17,823,350
|
Cardio
|
89.1
|
7.4
|
88.3
|
147
|
8,809,213
|
147,291
|
9,329,181,665
|
165
|
9,975,908
|
Organ
|
13.9
|
8.0
|
6.3
|
3
|
85,000
|
144,001
|
9,168,389,438
|
22
|
1,353,789
|
Neuro
|
48.8
|
10.2
|
70.0
|
23
|
1,907,250
|
143,996
|
9,168,189,438
|
47
|
2,724,410
|
Accident/Infectious
|
36.7
|
21.2
|
47.7
|
3
|
250,000
|
144,441
|
9,194,667,410
|
8
|
523,841
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
36,324
|
2,211,532,006
|
2
|
110,501
|
Non-LT
|
24.1
|
27.0
|
20.1
|
1
|
44,000
|
77,083
|
826,557,898
|
3
|
218,440
|
Total
|
77.8
|
3.7
|
79.1
|
443
|
25,896,978
|
840,427
|
49,227,699,518
|
569
|
32,730,239
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.5
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
71.7
|
7.2
|
77.2
|
100
|
6,924,623
|
81,631
|
5,780,631,325
|
140
|
8,970,355
|
Cardio
|
95.8
|
8.7
|
93.3
|
120
|
7,593,085
|
81,631
|
5,780,631,325
|
125
|
8,139,971
|
Organ
|
14.1
|
9.9
|
3.6
|
2
|
35,000
|
79,743
|
5,684,416,626
|
14
|
980,457
|
Neuro
|
70.3
|
18.2
|
94.3
|
15
|
1,347,250
|
79,743
|
5,684,416,626
|
21
|
1,428,671
|
Accident/Infectious
|
58.4
|
33.7
|
68.6
|
3
|
250,000
|
80,035
|
5,702,009,452
|
5
|
364,313
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
20,403
|
1,413,795,808
|
1
|
72,707
|
Non-LT
|
23.2
|
32.8
|
20.7
|
0
|
32,000
|
44,032
|
511,012,753
|
2
|
154,681
|
Total
|
77.9
|
5.0
|
80.5
|
240
|
16,181,958
|
467,218
|
30,556,913,915
|
309
|
20,111,154
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.6
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
90.9
|
7.1
|
89.0
|
166
|
7,876,892
|
65,659
|
3,548,550,340
|
183
|
8,852,995
|
Cardio
|
68.1
|
13.1
|
66.2
|
27
|
1,216,128
|
65,659
|
3,548,550,340
|
40
|
1,835,937
|
Organ
|
13.6
|
13.6
|
13.4
|
1
|
50,000
|
64,258
|
3,483,972,812
|
7
|
373,332
|
Neuro
|
31.0
|
11.0
|
43.2
|
8
|
560,000
|
64,253
|
3,483,772,812
|
26
|
1,295,740
|
Accident/Infectious
|
0.0
|
0.0
|
0.0
|
0
|
0
|
64,406
|
3,492,657,957
|
3
|
159,529
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15,922
|
797,736,198
|
1
|
37,794
|
Non-LT
|
25.8
|
47.1
|
18.8
|
0
|
12,000
|
33,050
|
315,545,146
|
1
|
63,758
|
Total
|
77.7
|
5.5
|
77.0
|
202
|
9,715,020
|
373,209
|
18,670,785,604
|
261
|
12,619,085
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.7
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
64.8
|
1.3
|
69.4
|
2,457
|
217,016,147
|
1,321,906
|
120,107,753,117
|
3,793
|
312,633,283
|
Cardio
|
33.6
|
1.3
|
31.0
|
648
|
53,915,443
|
1,321,906
|
120,107,753,117
|
1,927
|
173,903,167
|
Organ
|
8.7
|
2.0
|
7.3
|
19
|
1,467,477
|
1,298,121
|
118,429,231,220
|
218
|
19,996,348
|
Neuro
|
27.8
|
2.3
|
39.5
|
148
|
17,569,670
|
1,298,043
|
118,423,214,417
|
532
|
44,449,540
|
Accident/Infectious
|
48.8
|
8.0
|
65.0
|
37
|
4,430,000
|
1,301,052
|
118,623,723,143
|
76
|
6,819,873
|
LOIE
|
10.3
|
7.3
|
40.9
|
2
|
700,000
|
345,430
|
29,900,774,649
|
19
|
1,712,063
|
Non-LT
|
14.7
|
5.7
|
15.7
|
7
|
663,250
|
803,289
|
13,322,115,802
|
46
|
4,227,689
|
Total
|
50.2
|
0.9
|
52.5
|
3,318
|
295,761,987
|
7,689,746
|
638,914,565,464
|
6,611
|
563,741,963
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.8
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
64.1
|
2.0
|
68.3
|
1,009
|
102,682,162
|
631,136
|
65,096,525,284
|
1,574
|
150,386,702
|
Cardio
|
35.9
|
1.6
|
32.9
|
505
|
45,238,096
|
631,136
|
65,096,525,284
|
1,407
|
137,686,299
|
Organ
|
12.8
|
3.1
|
9.6
|
17
|
1,302,477
|
618,730
|
64,130,026,803
|
133
|
13,534,398
|
Neuro
|
29.1
|
3.6
|
43.0
|
65
|
9,368,579
|
618,695
|
64,127,259,726
|
223
|
21,776,376
|
Accident/Infectious
|
41.3
|
10.0
|
62.0
|
17
|
2,595,000
|
620,272
|
64,236,689,594
|
41
|
4,183,573
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
161,209
|
16,439,156,289
|
10
|
1,008,541
|
Non-LT
|
13.7
|
7.0
|
14.7
|
4
|
418,350
|
386,981
|
7,171,406,611
|
28
|
2,837,527
|
Total
|
47.3
|
1.2
|
48.8
|
1,617
|
161,604,664
|
3,668,160
|
346,297,589,592
|
3,416
|
331,413,416
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 4.9
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
65.3
|
1.7
|
70.5
|
1,448
|
114,333,985
|
690,770
|
55,011,227,832
|
2,219
|
162,246,581
|
Cardio
|
27.5
|
2.3
|
24.0
|
143
|
8,677,347
|
690,770
|
55,011,227,832
|
520
|
36,216,868
|
Organ
|
2.4
|
1.7
|
2.6
|
2
|
165,000
|
679,391
|
54,299,204,417
|
85
|
6,461,950
|
Neuro
|
26.9
|
3.0
|
36.2
|
83
|
8,201,091
|
679,348
|
54,295,954,691
|
309
|
22,673,165
|
Accident/Infectious
|
57.7
|
12.9
|
69.6
|
20
|
1,835,000
|
680,780
|
54,387,033,549
|
35
|
2,636,300
|
LOIE
|
20.2
|
14.3
|
99.5
|
2
|
700,000
|
184,220
|
13,461,618,360
|
10
|
703,521
|
Non-LT
|
16.2
|
9.6
|
17.6
|
3
|
244,900
|
416,307
|
6,150,709,190
|
18
|
1,390,162
|
Total
|
53.2
|
1.3
|
57.7
|
1,701
|
134,157,323
|
4,021,586
|
292,616,975,872
|
3,195
|
232,328,547
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.1
HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.9
|
6.5
|
39.8
|
40
|
3,446,000
|
220,053
|
19,080,594,980
|
98
|
8,664,711
|
2
|
39.0
|
6.2
|
33.2
|
40
|
3,051,250
|
200,162
|
17,654,703,330
|
102
|
9,178,904
|
3
|
43.2
|
6.2
|
42.4
|
49
|
4,296,849
|
190,594
|
16,931,106,811
|
113
|
10,137,899
|
4
|
44.5
|
6.0
|
32.8
|
56
|
3,668,000
|
183,290
|
16,242,377,553
|
126
|
11,179,833
|
5
|
44.6
|
5.8
|
40.1
|
60
|
4,757,247
|
173,168
|
15,208,262,556
|
135
|
11,856,667
|
6
|
51.5
|
6.2
|
43.3
|
70
|
5,203,771
|
155,368
|
13,651,243,134
|
136
|
12,016,123
|
7+
|
43.7
|
3.3
|
38.1
|
177
|
13,807,418
|
346,562
|
30,668,646,418
|
405
|
36,244,815
|
Total
|
44.1
|
2.0
|
38.5
|
492
|
38,230,535
|
1,469,197
|
129,436,934,782
|
1,115
|
99,278,953
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.2
MALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
49.8
|
8.2
|
46.7
|
37
|
3,321,000
|
104,775
|
10,347,110,284
|
74
|
7,112,771
|
2
|
46.1
|
7.7
|
38.4
|
36
|
2,891,250
|
96,357
|
9,621,901,628
|
78
|
7,538,483
|
3
|
47.5
|
7.4
|
47.0
|
41
|
3,907,849
|
92,354
|
9,246,494,839
|
86
|
8,308,736
|
4
|
49.2
|
7.2
|
35.7
|
47
|
3,263,000
|
89,076
|
8,882,307,845
|
95
|
9,129,862
|
5
|
48.1
|
6.9
|
41.6
|
49
|
4,010,720
|
84,197
|
8,301,601,281
|
102
|
9,646,879
|
6
|
55.8
|
7.4
|
44.0
|
57
|
4,284,643
|
75,488
|
7,476,842,894
|
102
|
9,748,081
|
7+
|
49.4
|
4.0
|
41.4
|
150
|
12,100,652
|
170,521
|
17,000,897,839
|
304
|
29,239,878
|
Total
|
49.5
|
2.4
|
41.8
|
417
|
33,779,114
|
712,768
|
70,877,156,609
|
842
|
80,724,691
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.3
FEMALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
12.8
|
7.4
|
8.1
|
3
|
125,000
|
115,278
|
8,733,484,696
|
23
|
1,551,940
|
2
|
16.4
|
8.2
|
9.8
|
4
|
160,000
|
103,806
|
8,032,801,702
|
24
|
1,640,421
|
3
|
29.6
|
10.5
|
21.3
|
8
|
389,000
|
98,240
|
7,684,611,972
|
27
|
1,829,163
|
4
|
29.7
|
9.9
|
19.8
|
9
|
405,000
|
94,214
|
7,360,069,708
|
30
|
2,049,971
|
5
|
33.6
|
10.1
|
33.8
|
11
|
746,527
|
88,971
|
6,906,661,275
|
33
|
2,209,788
|
6
|
38.6
|
10.7
|
40.5
|
13
|
919,128
|
79,880
|
6,174,400,241
|
34
|
2,268,042
|
7+
|
26.5
|
5.1
|
24.4
|
27
|
1,706,766
|
176,041
|
13,667,748,578
|
102
|
7,004,937
|
Total
|
27.4
|
3.2
|
24.0
|
75
|
4,451,421
|
756,429
|
58,559,778,172
|
273
|
18,554,262
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.4
HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
112.8
|
35.7
|
142.8
|
10
|
775,000
|
24,015
|
1,536,335,485
|
9
|
542,569
|
2
|
88.3
|
31.2
|
69.4
|
8
|
375,000
|
21,106
|
1,349,181,921
|
9
|
540,005
|
3
|
151.0
|
39.0
|
122.3
|
15
|
719,500
|
19,780
|
1,252,639,905
|
10
|
588,347
|
4
|
104.1
|
31.4
|
78.5
|
11
|
490,000
|
18,522
|
1,158,780,031
|
11
|
624,239
|
5
|
100.7
|
30.4
|
86.7
|
11
|
560,000
|
17,084
|
1,055,016,769
|
11
|
645,716
|
6
|
128.7
|
34.4
|
106.1
|
14
|
700,628
|
15,123
|
943,060,649
|
11
|
660,148
|
7+
|
149.4
|
22.0
|
153.1
|
46
|
3,016,085
|
31,661
|
2,034,166,904
|
31
|
1,969,848
|
Total
|
126.3
|
11.8
|
119.1
|
115
|
6,636,213
|
147,291
|
9,329,181,665
|
91
|
5,570,872
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.5
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
141.3
|
44.7
|
167.0
|
10
|
775,000
|
13,794
|
985,068,598
|
7
|
464,073
|
2
|
110.7
|
39.1
|
81.7
|
8
|
375,000
|
11,993
|
852,313,448
|
7
|
459,051
|
3
|
189.7
|
49.0
|
144.5
|
15
|
719,500
|
11,078
|
780,549,850
|
8
|
497,755
|
4
|
120.4
|
38.1
|
89.9
|
10
|
470,000
|
10,184
|
709,130,490
|
8
|
522,924
|
5
|
93.8
|
33.2
|
66.0
|
8
|
355,000
|
9,265
|
638,087,029
|
9
|
537,831
|
6
|
106.1
|
35.4
|
80.9
|
9
|
446,500
|
8,174
|
573,698,109
|
8
|
551,692
|
7+
|
167.2
|
26.4
|
167.2
|
40
|
2,742,085
|
17,144
|
1,241,783,802
|
24
|
1,640,054
|
Total
|
139.9
|
14.0
|
125.9
|
100
|
5,883,085
|
81,631
|
5,780,631,325
|
71
|
4,673,380
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.6
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10,221
|
551,266,887
|
2
|
78,496
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,113
|
496,868,473
|
2
|
80,954
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,702
|
472,090,055
|
2
|
90,592
|
4
|
44.2
|
44.2
|
19.7
|
1
|
20,000
|
8,338
|
449,649,541
|
2
|
101,315
|
5
|
125.1
|
72.2
|
190.0
|
3
|
205,000
|
7,819
|
416,929,741
|
2
|
107,885
|
6
|
208.9
|
93.4
|
234.3
|
5
|
254,128
|
6,949
|
369,362,541
|
2
|
108,456
|
7+
|
87.3
|
35.7
|
83.1
|
6
|
274,000
|
14,517
|
792,383,102
|
7
|
329,794
|
Total
|
76.7
|
19.8
|
83.9
|
15
|
753,128
|
65,659
|
3,548,550,340
|
20
|
897,492
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.7
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
33.7
|
6.2
|
32.9
|
30
|
2,671,000
|
196,038
|
17,544,259,495
|
89
|
8,122,142
|
2
|
34.3
|
6.1
|
31.0
|
32
|
2,676,250
|
179,056
|
16,305,521,408
|
93
|
8,638,900
|
3
|
32.9
|
5.6
|
37.5
|
34
|
3,577,349
|
170,813
|
15,678,466,906
|
103
|
9,549,552
|
4
|
39.1
|
5.8
|
30.1
|
45
|
3,178,000
|
164,768
|
15,083,597,521
|
115
|
10,555,594
|
5
|
39.6
|
5.7
|
37.4
|
49
|
4,197,247
|
156,084
|
14,153,245,787
|
124
|
11,210,951
|
6
|
44.8
|
6.0
|
39.7
|
56
|
4,503,143
|
140,245
|
12,708,182,485
|
125
|
11,355,976
|
7+
|
35.0
|
3.1
|
31.5
|
131
|
10,791,333
|
314,901
|
28,634,479,514
|
374
|
34,274,967
|
Total
|
36.8
|
1.9
|
33.7
|
377
|
31,594,322
|
1,321,906
|
120,107,753,117
|
1,024
|
93,708,081
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.8
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.1
|
7.7
|
38.3
|
27
|
2,546,000
|
90,981
|
9,362,041,685
|
67
|
6,648,698
|
2
|
39.5
|
7.5
|
35.5
|
28
|
2,516,250
|
84,364
|
8,769,588,180
|
71
|
7,079,432
|
3
|
33.2
|
6.5
|
40.8
|
26
|
3,188,349
|
81,276
|
8,465,944,989
|
78
|
7,810,980
|
4
|
42.5
|
7.0
|
32.5
|
37
|
2,793,000
|
78,892
|
8,173,177,355
|
87
|
8,606,938
|
5
|
43.9
|
6.9
|
40.1
|
41
|
3,655,720
|
74,933
|
7,663,514,252
|
93
|
9,109,048
|
6
|
51.2
|
7.4
|
41.7
|
48
|
3,838,143
|
67,315
|
6,903,144,785
|
94
|
9,196,390
|
7+
|
39.3
|
3.8
|
33.9
|
110
|
9,358,567
|
153,376
|
15,759,114,038
|
280
|
27,599,824
|
Total
|
41.2
|
2.3
|
36.7
|
317
|
27,896,029
|
631,136
|
65,096,525,284
|
770
|
76,051,311
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 5.9
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.8
|
8.0
|
8.5
|
3
|
125,000
|
105,057
|
8,182,217,809
|
22
|
1,473,444
|
2
|
17.7
|
8.9
|
10.3
|
4
|
160,000
|
94,693
|
7,535,933,228
|
23
|
1,559,467
|
3
|
32.0
|
11.3
|
22.4
|
8
|
389,000
|
89,538
|
7,212,521,917
|
25
|
1,738,572
|
4
|
28.5
|
10.1
|
19.8
|
8
|
385,000
|
85,876
|
6,910,420,167
|
28
|
1,948,655
|
5
|
26.3
|
9.3
|
25.8
|
8
|
541,527
|
81,152
|
6,489,731,535
|
30
|
2,101,903
|
6
|
25.6
|
9.0
|
30.8
|
8
|
665,000
|
72,930
|
5,805,037,700
|
31
|
2,159,586
|
7+
|
22.1
|
4.8
|
21.5
|
21
|
1,432,766
|
161,524
|
12,875,365,476
|
95
|
6,675,143
|
Total
|
23.6
|
3.1
|
20.9
|
60
|
3,698,293
|
690,770
|
55,011,227,832
|
254
|
17,656,770
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.1
LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.8
|
2.8
|
31.8
|
112
|
9,370,000
|
220,053
|
19,080,594,980
|
376
|
29,449,971
|
2
|
64.9
|
4.1
|
72.5
|
248
|
22,081,970
|
200,162
|
17,654,703,330
|
382
|
30,450,044
|
3
|
68.5
|
4.1
|
73.4
|
283
|
24,262,830
|
190,594
|
16,931,106,811
|
413
|
33,039,839
|
4
|
66.4
|
3.8
|
69.5
|
300
|
25,045,284
|
183,290
|
16,242,377,553
|
452
|
36,056,780
|
5
|
71.7
|
3.9
|
76.4
|
344
|
29,036,470
|
173,168
|
15,208,262,556
|
480
|
38,022,501
|
6
|
70.9
|
3.8
|
76.5
|
342
|
29,374,030
|
155,368
|
13,651,243,134
|
482
|
38,404,663
|
7+
|
72.2
|
2.3
|
74.1
|
1,025
|
85,867,632
|
346,562
|
30,668,646,418
|
1,419
|
115,864,528
|
Total
|
66.3
|
1.3
|
70.0
|
2,654
|
225,038,216
|
1,469,197
|
129,436,934,782
|
4,004
|
321,288,326
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.2
MALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.2
|
4.6
|
31.1
|
40
|
3,980,000
|
104,775
|
10,347,110,284
|
137
|
12,797,517
|
2
|
62.7
|
6.6
|
77.1
|
90
|
10,458,367
|
96,357
|
9,621,901,628
|
144
|
13,559,130
|
3
|
62.3
|
6.2
|
66.5
|
100
|
9,989,640
|
92,354
|
9,246,494,839
|
160
|
15,020,489
|
4
|
63.5
|
5.9
|
65.1
|
115
|
10,899,043
|
89,076
|
8,882,307,845
|
181
|
16,753,783
|
5
|
74.6
|
6.1
|
75.1
|
147
|
13,515,264
|
84,197
|
8,301,601,281
|
197
|
18,003,692
|
6
|
61.1
|
5.5
|
66.3
|
124
|
12,364,485
|
75,488
|
7,476,842,894
|
203
|
18,637,489
|
7+
|
71.4
|
3.3
|
75.1
|
463
|
45,380,213
|
170,521
|
17,000,897,839
|
649
|
60,400,983
|
Total
|
64.6
|
2.0
|
68.7
|
1,079
|
106,587,012
|
712,768
|
70,877,156,609
|
1,671
|
155,173,083
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.3
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.1
|
3.6
|
32.4
|
72
|
5,390,000
|
115,278
|
8,733,484,696
|
239
|
16,652,454
|
2
|
66.3
|
5.3
|
68.8
|
158
|
11,623,603
|
103,806
|
8,032,801,702
|
238
|
16,890,913
|
3
|
72.4
|
5.4
|
79.2
|
183
|
14,273,190
|
98,240
|
7,684,611,972
|
253
|
18,019,350
|
4
|
68.2
|
5.0
|
73.3
|
185
|
14,146,241
|
94,214
|
7,360,069,708
|
271
|
19,302,996
|
5
|
69.8
|
5.0
|
77.5
|
197
|
15,521,206
|
88,971
|
6,906,661,275
|
282
|
20,018,808
|
6
|
78.1
|
5.3
|
86.0
|
218
|
17,009,545
|
79,880
|
6,174,400,241
|
279
|
19,767,175
|
7+
|
73.0
|
3.1
|
73.0
|
562
|
40,487,419
|
176,041
|
13,667,748,578
|
770
|
55,463,546
|
Total
|
67.5
|
1.7
|
71.3
|
1,575
|
118,451,204
|
756,429
|
58,559,778,172
|
2,333
|
166,115,243
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.4
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
55.5
|
13.1
|
66.4
|
18
|
1,185,000
|
24,015
|
1,536,335,485
|
32
|
1,785,531
|
2
|
68.4
|
14.6
|
78.1
|
22
|
1,365,133
|
21,106
|
1,349,181,921
|
32
|
1,747,754
|
3
|
98.8
|
16.9
|
98.2
|
34
|
1,822,508
|
19,780
|
1,252,639,905
|
34
|
1,855,965
|
4
|
54.8
|
12.2
|
62.9
|
20
|
1,230,755
|
18,522
|
1,158,780,031
|
37
|
1,957,208
|
5
|
98.7
|
16.2
|
136.9
|
37
|
2,739,605
|
17,084
|
1,055,016,769
|
38
|
2,000,830
|
6
|
89.5
|
15.6
|
80.3
|
33
|
1,605,000
|
15,123
|
943,060,649
|
37
|
1,998,695
|
7+
|
89.8
|
9.4
|
72.9
|
92
|
4,300,644
|
31,661
|
2,034,166,904
|
102
|
5,899,140
|
Total
|
82.0
|
5.1
|
82.6
|
256
|
14,248,645
|
147,291
|
9,329,181,665
|
312
|
17,245,123
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.5
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
66.9
|
22.3
|
79.0
|
9
|
700,000
|
13,794
|
985,068,598
|
13
|
885,599
|
2
|
82.1
|
24.7
|
102.2
|
11
|
875,000
|
11,993
|
852,313,448
|
13
|
855,948
|
3
|
103.3
|
26.7
|
87.9
|
15
|
798,508
|
11,078
|
780,549,850
|
15
|
908,723
|
4
|
32.8
|
14.7
|
55.5
|
5
|
525,000
|
10,184
|
709,130,490
|
15
|
945,851
|
5
|
95.7
|
24.7
|
144.6
|
15
|
1,394,600
|
9,265
|
638,087,029
|
16
|
964,335
|
6
|
57.2
|
19.1
|
51.4
|
9
|
510,000
|
8,174
|
573,698,109
|
16
|
991,722
|
7+
|
72.1
|
12.4
|
61.6
|
34
|
1,921,515
|
17,144
|
1,241,783,802
|
47
|
3,118,376
|
Total
|
72.5
|
7.3
|
77.6
|
98
|
6,724,623
|
81,631
|
5,780,631,325
|
135
|
8,670,555
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.6
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
47.3
|
15.8
|
53.9
|
9
|
485,000
|
10,221
|
551,266,887
|
19
|
899,931
|
2
|
58.6
|
17.7
|
55.0
|
11
|
490,133
|
9,113
|
496,868,473
|
19
|
891,806
|
3
|
95.6
|
21.9
|
108.1
|
19
|
1,024,000
|
8,702
|
472,090,055
|
20
|
947,243
|
4
|
70.5
|
18.2
|
69.8
|
15
|
705,755
|
8,338
|
449,649,541
|
21
|
1,011,358
|
5
|
100.8
|
21.5
|
129.8
|
22
|
1,345,005
|
7,819
|
416,929,741
|
22
|
1,036,495
|
6
|
113.6
|
23.2
|
108.7
|
24
|
1,095,000
|
6,949
|
369,362,541
|
21
|
1,006,972
|
7+
|
104.9
|
13.8
|
85.6
|
58
|
2,379,129
|
14,517
|
792,383,102
|
55
|
2,780,764
|
Total
|
89.2
|
7.1
|
87.7
|
158
|
7,524,022
|
65,659
|
3,548,550,340
|
177
|
8,574,569
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.7
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
2.8
|
29.6
|
94
|
8,185,000
|
196,038
|
17,544,259,495
|
343
|
27,664,441
|
2
|
64.6
|
4.3
|
72.2
|
226
|
20,716,837
|
179,056
|
16,305,521,408
|
350
|
28,702,289
|
3
|
65.8
|
4.2
|
72.0
|
249
|
22,440,322
|
170,813
|
15,678,466,906
|
379
|
31,183,874
|
4
|
67.4
|
4.0
|
69.8
|
280
|
23,814,529
|
164,768
|
15,083,597,521
|
416
|
34,099,571
|
5
|
69.4
|
4.0
|
73.0
|
307
|
26,296,865
|
156,084
|
14,153,245,787
|
442
|
36,021,671
|
6
|
69.4
|
3.9
|
76.3
|
309
|
27,769,030
|
140,245
|
12,708,182,485
|
445
|
36,405,969
|
7+
|
70.9
|
2.3
|
74.2
|
933
|
81,566,988
|
314,901
|
28,634,479,514
|
1,316
|
109,965,388
|
Total
|
65.0
|
1.3
|
69.3
|
2,398
|
210,789,571
|
1,321,906
|
120,107,753,117
|
3,691
|
304,043,203
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.8
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.1
|
4.5
|
27.5
|
31
|
3,280,000
|
90,981
|
9,362,041,685
|
123
|
11,911,918
|
2
|
60.7
|
6.8
|
75.4
|
79
|
9,583,367
|
84,364
|
8,769,588,180
|
130
|
12,703,182
|
3
|
58.3
|
6.3
|
65.1
|
85
|
9,191,132
|
81,276
|
8,465,944,989
|
146
|
14,111,766
|
4
|
66.4
|
6.3
|
65.6
|
110
|
10,374,043
|
78,892
|
8,173,177,355
|
166
|
15,807,933
|
5
|
72.7
|
6.3
|
71.1
|
132
|
12,120,664
|
74,933
|
7,663,514,252
|
182
|
17,039,357
|
6
|
61.4
|
5.7
|
67.2
|
115
|
11,854,485
|
67,315
|
6,903,144,785
|
187
|
17,645,766
|
7+
|
71.3
|
3.4
|
75.9
|
429
|
43,458,698
|
153,376
|
15,759,114,038
|
602
|
57,282,606
|
Total
|
63.9
|
2.0
|
68.2
|
981
|
99,862,389
|
631,136
|
65,096,525,284
|
1,536
|
146,502,529
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 6.9
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.6
|
3.6
|
31.1
|
63
|
4,905,000
|
105,057
|
8,182,217,809
|
220
|
15,752,523
|
2
|
66.9
|
5.5
|
69.6
|
147
|
11,133,470
|
94,693
|
7,535,933,228
|
220
|
15,999,107
|
3
|
70.5
|
5.5
|
77.6
|
164
|
13,249,190
|
89,538
|
7,212,521,917
|
233
|
17,072,108
|
4
|
68.0
|
5.2
|
73.5
|
170
|
13,440,486
|
85,876
|
6,910,420,167
|
250
|
18,291,639
|
5
|
67.2
|
5.1
|
74.7
|
175
|
14,176,201
|
81,152
|
6,489,731,535
|
261
|
18,982,313
|
6
|
75.2
|
5.4
|
84.8
|
194
|
15,914,545
|
72,930
|
5,805,037,700
|
258
|
18,760,203
|
7+
|
70.5
|
3.1
|
72.3
|
504
|
38,108,290
|
161,524
|
12,875,365,476
|
715
|
52,682,782
|
Total
|
65.7
|
1.7
|
70.4
|
1,417
|
110,927,182
|
690,770
|
55,011,227,832
|
2,156
|
157,540,674
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.1
STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.0
|
6.4
|
15.8
|
8
|
584,000
|
220,053
|
19,080,594,980
|
44
|
3,706,925
|
2
|
28.5
|
7.9
|
21.9
|
13
|
845,000
|
200,162
|
17,654,703,330
|
46
|
3,860,177
|
3
|
30.1
|
7.8
|
34.7
|
15
|
1,460,000
|
190,594
|
16,931,106,811
|
50
|
4,208,382
|
4
|
45.6
|
9.1
|
53.3
|
25
|
2,455,000
|
183,290
|
16,242,377,553
|
55
|
4,607,958
|
5
|
32.4
|
7.4
|
27.7
|
19
|
1,350,700
|
173,168
|
15,208,262,556
|
59
|
4,871,802
|
6
|
28.7
|
7.0
|
26.1
|
17
|
1,287,491
|
155,368
|
13,651,243,134
|
59
|
4,940,925
|
7+
|
38.0
|
4.6
|
37.3
|
68
|
5,636,813
|
346,562
|
30,668,646,418
|
179
|
15,119,284
|
Total
|
33.6
|
2.6
|
33.0
|
165
|
13,619,004
|
1,469,197
|
129,436,934,782
|
492
|
41,315,452
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.2
MALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
12.2
|
7.0
|
13.2
|
3
|
310,000
|
104,775
|
10,347,110,284
|
25
|
2,342,252
|
2
|
15.5
|
7.8
|
12.1
|
4
|
300,000
|
96,357
|
9,621,901,628
|
26
|
2,473,111
|
3
|
31.6
|
10.5
|
29.0
|
9
|
790,000
|
92,354
|
9,246,494,839
|
29
|
2,721,501
|
4
|
47.3
|
12.2
|
60.7
|
15
|
1,820,000
|
89,076
|
8,882,307,845
|
32
|
3,000,090
|
5
|
35.1
|
10.1
|
30.6
|
12
|
975,700
|
84,197
|
8,301,601,281
|
34
|
3,185,985
|
6
|
23.1
|
8.2
|
24.1
|
8
|
785,000
|
75,488
|
7,476,842,894
|
35
|
3,250,997
|
7+
|
40.2
|
6.1
|
41.2
|
43
|
4,165,000
|
170,521
|
17,000,897,839
|
107
|
10,112,400
|
Total
|
32.8
|
3.4
|
33.8
|
94
|
9,145,700
|
712,768
|
70,877,156,609
|
286
|
27,086,337
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.3
FEMALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.2
|
11.3
|
20.1
|
5
|
274,000
|
115,278
|
8,733,484,696
|
20
|
1,364,672
|
2
|
45.2
|
15.1
|
39.3
|
9
|
545,000
|
103,806
|
8,032,801,702
|
20
|
1,387,066
|
3
|
28.2
|
11.5
|
45.1
|
6
|
670,000
|
98,240
|
7,684,611,972
|
21
|
1,486,880
|
4
|
43.3
|
13.7
|
39.5
|
10
|
635,000
|
94,214
|
7,360,069,708
|
23
|
1,607,867
|
5
|
28.6
|
10.8
|
22.2
|
7
|
375,000
|
88,971
|
6,906,661,275
|
24
|
1,685,817
|
6
|
36.5
|
12.2
|
29.7
|
9
|
502,491
|
79,880
|
6,174,400,241
|
25
|
1,689,928
|
7+
|
34.6
|
6.9
|
29.4
|
25
|
1,471,813
|
176,041
|
13,667,748,578
|
72
|
5,006,884
|
Total
|
34.6
|
4.1
|
31.4
|
71
|
4,473,304
|
756,429
|
58,559,778,172
|
205
|
14,229,115
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.4
STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
24,015
|
1,536,335,485
|
4
|
232,500
|
2
|
75.7
|
43.7
|
81.3
|
3
|
185,000
|
21,106
|
1,349,181,921
|
4
|
227,651
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
19,780
|
1,252,639,905
|
4
|
243,090
|
4
|
66.5
|
38.4
|
54.8
|
3
|
140,000
|
18,522
|
1,158,780,031
|
5
|
255,511
|
5
|
43.1
|
30.4
|
57.3
|
2
|
150,000
|
17,084
|
1,055,016,769
|
5
|
261,844
|
6
|
65.3
|
37.7
|
75.7
|
3
|
200,000
|
15,123
|
943,060,649
|
5
|
264,144
|
7+
|
61.4
|
21.7
|
103.0
|
8
|
810,000
|
31,661
|
2,034,166,904
|
13
|
786,298
|
Total
|
48.7
|
11.2
|
65.4
|
19
|
1,485,000
|
147,291
|
9,329,181,665
|
39
|
2,271,037
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.5
MALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13,794
|
985,068,598
|
2
|
158,467
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11,993
|
852,313,448
|
2
|
154,642
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11,078
|
780,549,850
|
3
|
165,309
|
4
|
73.1
|
51.7
|
52.3
|
2
|
90,000
|
10,184
|
709,130,490
|
3
|
172,148
|
5
|
35.6
|
35.6
|
71.0
|
1
|
125,000
|
9,265
|
638,087,029
|
3
|
175,933
|
6
|
35.8
|
35.8
|
55.5
|
1
|
100,000
|
8,174
|
573,698,109
|
3
|
180,053
|
7+
|
74.2
|
30.3
|
142.1
|
6
|
775,000
|
17,144
|
1,241,783,802
|
8
|
545,532
|
Total
|
41.9
|
13.3
|
70.2
|
10
|
1,090,000
|
81,631
|
5,780,631,325
|
24
|
1,552,085
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.6
FEMALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10,221
|
551,266,887
|
2
|
74,033
|
2
|
193.6
|
111.8
|
253.4
|
3
|
185,000
|
9,113
|
496,868,473
|
2
|
73,009
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,702
|
472,090,055
|
2
|
77,781
|
4
|
56.3
|
56.3
|
60.0
|
1
|
50,000
|
8,338
|
449,649,541
|
2
|
83,363
|
5
|
54.4
|
54.4
|
29.1
|
1
|
25,000
|
7,819
|
416,929,741
|
2
|
85,911
|
6
|
111.2
|
78.6
|
118.9
|
2
|
100,000
|
6,949
|
369,362,541
|
2
|
84,090
|
7+
|
40.4
|
28.6
|
14.5
|
2
|
35,000
|
14,517
|
792,383,102
|
5
|
240,766
|
Total
|
59.5
|
19.8
|
54.9
|
9
|
395,000
|
65,659
|
3,548,550,340
|
15
|
718,952
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.7
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.8
|
7.0
|
16.8
|
8
|
584,000
|
196,038
|
17,544,259,495
|
40
|
3,474,425
|
2
|
24.0
|
7.6
|
18.2
|
10
|
660,000
|
179,056
|
16,305,521,408
|
42
|
3,632,526
|
3
|
33.0
|
8.5
|
36.8
|
15
|
1,460,000
|
170,813
|
15,678,466,906
|
45
|
3,965,292
|
4
|
43.7
|
9.3
|
53.2
|
22
|
2,315,000
|
164,768
|
15,083,597,521
|
50
|
4,352,447
|
5
|
31.5
|
7.6
|
26.0
|
17
|
1,200,700
|
156,084
|
14,153,245,787
|
54
|
4,609,958
|
6
|
25.6
|
6.8
|
23.3
|
14
|
1,087,491
|
140,245
|
12,708,182,485
|
55
|
4,676,782
|
7+
|
36.1
|
4.7
|
33.7
|
60
|
4,826,813
|
314,901
|
28,634,479,514
|
166
|
14,332,986
|
Total
|
32.2
|
2.7
|
31.1
|
146
|
12,134,004
|
1,321,906
|
120,107,753,117
|
453
|
39,044,415
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.8
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.5
|
7.8
|
14.2
|
3
|
310,000
|
90,981
|
9,362,041,685
|
22
|
2,183,785
|
2
|
17.1
|
8.6
|
12.9
|
4
|
300,000
|
84,364
|
8,769,588,180
|
23
|
2,318,469
|
3
|
34.8
|
11.6
|
30.9
|
9
|
790,000
|
81,276
|
8,465,944,989
|
26
|
2,556,192
|
4
|
44.8
|
12.4
|
61.2
|
13
|
1,730,000
|
78,892
|
8,173,177,355
|
29
|
2,827,942
|
5
|
35.1
|
10.6
|
28.3
|
11
|
850,700
|
74,933
|
7,663,514,252
|
31
|
3,010,052
|
6
|
22.0
|
8.3
|
22.3
|
7
|
685,000
|
67,315
|
6,903,144,785
|
32
|
3,070,944
|
7+
|
37.4
|
6.2
|
35.4
|
37
|
3,390,000
|
153,376
|
15,759,114,038
|
99
|
9,566,868
|
Total
|
32.0
|
3.5
|
31.5
|
84
|
8,055,700
|
631,136
|
65,096,525,284
|
263
|
25,534,252
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 7.9
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
12.2
|
21.2
|
5
|
274,000
|
105,057
|
8,182,217,809
|
18
|
1,290,640
|
2
|
32.7
|
13.4
|
27.4
|
6
|
360,000
|
94,693
|
7,535,933,228
|
18
|
1,314,057
|
3
|
30.6
|
12.5
|
47.5
|
6
|
670,000
|
89,538
|
7,212,521,917
|
20
|
1,409,099
|
4
|
42.2
|
14.1
|
38.4
|
9
|
585,000
|
85,876
|
6,910,420,167
|
21
|
1,524,505
|
5
|
26.5
|
10.8
|
21.9
|
6
|
350,000
|
81,152
|
6,489,731,535
|
23
|
1,599,906
|
6
|
30.6
|
11.6
|
25.1
|
7
|
402,491
|
72,930
|
5,805,037,700
|
23
|
1,605,838
|
7+
|
34.2
|
7.1
|
30.1
|
23
|
1,436,813
|
161,524
|
12,875,365,476
|
67
|
4,766,118
|
Total
|
32.6
|
4.1
|
30.2
|
62
|
4,078,304
|
690,770
|
55,011,227,832
|
190
|
13,510,163
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.1
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
3.7
|
27.0
|
58
|
5,313,600
|
77,033
|
7,338,797,256
|
207
|
19,647,795
|
2
|
44.2
|
4.8
|
54.2
|
86
|
10,162,000
|
63,856
|
6,213,915,769
|
195
|
18,749,879
|
3
|
52.8
|
5.2
|
44.6
|
105
|
8,736,700
|
55,855
|
5,640,409,906
|
199
|
19,592,748
|
4
|
47.2
|
4.6
|
47.6
|
105
|
10,504,490
|
52,581
|
5,377,357,040
|
223
|
22,049,694
|
5
|
53.4
|
4.7
|
52.8
|
131
|
12,608,700
|
49,578
|
5,030,384,565
|
246
|
23,902,111
|
6
|
58.4
|
4.9
|
58.2
|
142
|
13,410,000
|
42,954
|
4,291,381,465
|
243
|
23,050,325
|
7+
|
53.7
|
3.3
|
51.2
|
265
|
21,852,719
|
72,822
|
6,736,451,824
|
494
|
42,667,035
|
Total
|
49.4
|
1.7
|
48.7
|
893
|
82,588,209
|
414,680
|
40,628,697,826
|
1,807
|
169,659,586
|
By Issue Age
|
20-24
|
52.4
|
15.8
|
56.8
|
11
|
1,085,000
|
26,634
|
2,433,877,193
|
21
|
1,910,140
|
25-29
|
51.7
|
8.6
|
65.4
|
36
|
4,230,000
|
60,191
|
5,611,690,838
|
70
|
6,466,230
|
30-34
|
53.6
|
6.3
|
47.1
|
73
|
6,487,700
|
77,087
|
7,852,206,659
|
137
|
13,780,137
|
35-39
|
52.2
|
4.7
|
51.3
|
121
|
12,465,000
|
81,588
|
8,664,348,220
|
232
|
24,306,880
|
40-44
|
52.4
|
3.8
|
49.8
|
187
|
18,037,719
|
75,554
|
7,750,949,710
|
358
|
36,187,765
|
45-49
|
49.0
|
3.4
|
46.0
|
211
|
18,479,090
|
55,434
|
5,166,588,345
|
431
|
40,156,515
|
50-54
|
46.1
|
3.7
|
47.7
|
155
|
13,841,100
|
27,155
|
2,310,270,676
|
337
|
29,044,858
|
55-59
|
47.0
|
5.2
|
47.7
|
80
|
6,617,600
|
9,115
|
705,510,201
|
171
|
13,867,521
|
60+
|
34.8
|
8.2
|
34.1
|
18
|
1,345,000
|
1,922
|
133,255,983
|
52
|
3,939,540
|
Total
|
49.4
|
1.7
|
48.7
|
893
|
82,588,209
|
414,680
|
40,628,697,826
|
1,807
|
169,659,586
|
By Attained Age
|
20-24
|
34.9
|
20.2
|
32.8
|
3
|
250,000
|
12,873
|
1,147,409,025
|
9
|
761,622
|
25-29
|
56.6
|
11.8
|
48.4
|
23
|
1,775,000
|
43,510
|
3,967,939,186
|
41
|
3,669,088
|
30-34
|
47.9
|
7.2
|
60.8
|
44
|
5,365,000
|
66,066
|
6,433,989,971
|
92
|
8,831,171
|
35-39
|
47.1
|
5.5
|
44.0
|
74
|
7,152,700
|
75,096
|
7,869,951,305
|
158
|
16,243,835
|
40-44
|
51.6
|
4.5
|
45.1
|
129
|
11,927,500
|
74,951
|
8,024,218,461
|
250
|
26,475,602
|
45-49
|
53.2
|
3.8
|
56.0
|
196
|
20,586,319
|
67,132
|
6,717,179,776
|
368
|
36,762,730
|
50-54
|
48.7
|
3.5
|
39.7
|
194
|
14,629,590
|
44,857
|
4,098,789,142
|
397
|
36,861,142
|
55-59
|
44.0
|
3.9
|
53.5
|
129
|
13,287,000
|
21,157
|
1,720,534,090
|
294
|
24,827,618
|
60-64
|
54.1
|
6.0
|
55.6
|
80
|
6,345,100
|
7,294
|
528,795,090
|
148
|
11,420,855
|
65+
|
41.9
|
9.1
|
33.4
|
21
|
1,270,000
|
1,743
|
119,891,779
|
50
|
3,805,924
|
Total
|
49.4
|
1.7
|
48.7
|
893
|
82,588,209
|
414,680
|
40,628,697,826
|
1,807
|
169,659,586
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.2
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.8
|
8.3
|
41.1
|
5
|
945,000
|
11,282
|
985,426,123
|
27
|
2,299,877
|
2
|
44.2
|
11.1
|
44.0
|
16
|
1,375,000
|
12,853
|
1,157,319,209
|
36
|
3,122,949
|
3
|
39.5
|
9.3
|
43.0
|
18
|
1,695,000
|
13,933
|
1,273,736,849
|
46
|
3,942,562
|
4
|
43.5
|
8.5
|
33.3
|
26
|
1,745,000
|
15,952
|
1,491,280,229
|
60
|
5,244,071
|
5
|
57.7
|
8.7
|
58.3
|
44
|
4,145,000
|
17,473
|
1,700,632,973
|
76
|
7,115,307
|
6
|
52.0
|
7.5
|
46.0
|
48
|
4,170,750
|
18,191
|
1,836,954,719
|
92
|
9,058,857
|
7+
|
63.7
|
4.7
|
59.2
|
187
|
18,874,500
|
45,348
|
4,906,645,711
|
294
|
31,879,944
|
Total
|
54.5
|
2.9
|
52.6
|
344
|
32,950,250
|
135,031
|
13,351,995,812
|
631
|
62,663,567
|
By Issue Age
|
20-24
|
59.1
|
29.5
|
59.2
|
4
|
350,000
|
8,112
|
710,262,273
|
7
|
591,658
|
25-29
|
56.8
|
15.2
|
76.0
|
14
|
1,736,500
|
19,977
|
1,840,234,993
|
25
|
2,285,855
|
30-34
|
73.2
|
12.0
|
69.9
|
37
|
3,705,000
|
26,112
|
2,713,679,651
|
51
|
5,297,004
|
35-39
|
61.8
|
8.4
|
61.1
|
54
|
5,670,000
|
27,867
|
2,952,161,379
|
87
|
9,276,326
|
40-44
|
63.1
|
6.9
|
62.6
|
83
|
8,758,750
|
24,756
|
2,578,992,059
|
132
|
13,996,871
|
45-49
|
50.2
|
5.9
|
43.1
|
72
|
5,880,000
|
16,474
|
1,507,218,671
|
143
|
13,645,716
|
50-54
|
48.5
|
6.4
|
37.1
|
57
|
4,280,000
|
8,534
|
781,938,253
|
118
|
11,536,520
|
55+
|
33.4
|
7.0
|
42.6
|
23
|
2,570,000
|
3,200
|
267,508,533
|
69
|
6,033,616
|
Total
|
54.5
|
2.9
|
52.6
|
344
|
32,950,250
|
135,031
|
13,351,995,812
|
631
|
62,663,567
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,718
|
233,913,970
|
2
|
154,148
|
25-29
|
37.4
|
18.7
|
49.1
|
4
|
455,000
|
11,601
|
1,009,954,766
|
11
|
927,353
|
30-34
|
74.4
|
16.6
|
96.0
|
20
|
2,396,500
|
19,863
|
1,854,892,050
|
27
|
2,496,332
|
35-39
|
60.2
|
11.0
|
53.6
|
30
|
2,720,000
|
24,478
|
2,526,059,735
|
50
|
5,071,168
|
40-44
|
60.5
|
8.6
|
53.8
|
50
|
4,640,000
|
25,481
|
2,702,516,030
|
83
|
8,618,123
|
45-49
|
54.6
|
6.7
|
52.7
|
67
|
6,650,750
|
22,917
|
2,371,619,140
|
123
|
12,626,201
|
50-54
|
62.0
|
6.7
|
64.4
|
86
|
8,588,000
|
15,970
|
1,512,049,249
|
139
|
13,329,756
|
55-59
|
44.6
|
6.2
|
32.3
|
52
|
3,730,000
|
8,376
|
796,208,983
|
116
|
11,551,315
|
60-64
|
40.2
|
7.9
|
44.9
|
26
|
2,895,000
|
3,114
|
300,474,752
|
65
|
6,451,067
|
65+
|
55.0
|
18.3
|
60.8
|
9
|
875,000
|
513
|
44,307,137
|
16
|
1,438,105
|
Total
|
54.5
|
2.9
|
52.6
|
344
|
32,950,250
|
135,031
|
13,351,995,812
|
631
|
62,663,567
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.3
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-6
|
51.3
|
1.7
|
56.2
|
891
|
75,095,745
|
348,584
|
30,195,678,538
|
1,736
|
133,673,412
|
7+
|
55.2
|
2.0
|
57.4
|
768
|
65,312,969
|
170,271
|
15,242,378,275
|
1,391
|
113,777,396
|
Total
|
53.1
|
1.3
|
56.7
|
1,659
|
140,408,714
|
518,855
|
45,438,056,813
|
3,127
|
247,450,807
|
By Issue Age
|
20-29
|
69.2
|
8.9
|
70.2
|
61
|
5,815,907
|
76,450
|
7,130,029,572
|
88
|
8,280,035
|
30-34
|
57.7
|
5.9
|
70.5
|
96
|
11,579,070
|
85,261
|
8,386,127,356
|
167
|
16,421,672
|
35-39
|
55.8
|
4.2
|
57.6
|
175
|
17,320,772
|
99,203
|
9,539,042,379
|
314
|
30,055,118
|
40-44
|
57.2
|
3.3
|
58.0
|
293
|
26,827,814
|
97,409
|
8,727,622,363
|
513
|
46,264,136
|
45-49
|
52.4
|
2.8
|
49.9
|
352
|
27,021,323
|
78,733
|
6,209,304,216
|
673
|
54,192,733
|
50-54
|
51.3
|
2.7
|
56.1
|
348
|
27,580,744
|
50,499
|
3,543,092,967
|
679
|
49,140,609
|
55-59
|
52.7
|
3.4
|
62.3
|
235
|
18,398,883
|
22,687
|
1,451,498,770
|
446
|
29,535,493
|
60+
|
39.4
|
4.0
|
43.2
|
97
|
5,864,201
|
8,612
|
451,339,191
|
247
|
13,561,012
|
Total
|
53.1
|
1.3
|
56.7
|
1,659
|
140,408,714
|
518,855
|
45,438,056,813
|
3,127
|
247,450,807
|
By Attained Age
|
20-24
|
88.6
|
44.3
|
75.0
|
4
|
300,000
|
6,967
|
613,931,168
|
5
|
400,105
|
25-29
|
72.7
|
16.2
|
86.6
|
20
|
2,174,027
|
30,191
|
2,754,175,694
|
28
|
2,510,154
|
30-34
|
68.7
|
9.2
|
64.3
|
56
|
4,934,750
|
59,698
|
5,638,242,429
|
81
|
7,679,755
|
35-39
|
48.9
|
5.4
|
61.3
|
83
|
10,154,473
|
83,346
|
8,178,608,041
|
170
|
16,575,601
|
40-44
|
54.7
|
4.2
|
57.4
|
167
|
16,467,966
|
93,637
|
8,901,096,015
|
305
|
28,697,611
|
45-49
|
55.8
|
3.4
|
57.5
|
277
|
24,810,226
|
92,184
|
8,052,471,074
|
496
|
43,158,326
|
50-54
|
52.6
|
2.9
|
52.2
|
334
|
26,471,938
|
72,731
|
5,763,365,096
|
635
|
50,736,183
|
55-59
|
53.0
|
2.8
|
56.4
|
346
|
27,482,977
|
47,367
|
3,450,195,106
|
654
|
48,740,351
|
60-64
|
53.0
|
3.3
|
63.0
|
251
|
20,441,591
|
23,356
|
1,552,696,991
|
474
|
32,452,008
|
65+
|
43.0
|
3.9
|
43.5
|
120
|
7,170,766
|
9,379
|
533,275,201
|
279
|
16,500,713
|
Total
|
53.1
|
1.3
|
56.7
|
1,659
|
140,408,714
|
518,855
|
45,438,056,813
|
3,127
|
247,450,807
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.4
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.1
|
3.6
|
25.8
|
47
|
3,570,000
|
57,771
|
4,410,707,659
|
189
|
13,843,218
|
2
|
50.8
|
5.5
|
49.3
|
85
|
6,061,367
|
47,881
|
3,663,886,824
|
166
|
12,296,873
|
3
|
47.5
|
5.6
|
46.6
|
71
|
4,994,995
|
40,300
|
2,994,427,590
|
150
|
10,707,566
|
4
|
68.6
|
7.1
|
59.6
|
94
|
5,520,000
|
35,529
|
2,488,201,224
|
137
|
9,263,329
|
5
|
54.0
|
6.4
|
49.5
|
70
|
3,991,000
|
32,693
|
2,120,079,524
|
130
|
8,070,376
|
6
|
53.3
|
6.8
|
60.4
|
62
|
4,124,167
|
28,108
|
1,723,026,481
|
116
|
6,828,496
|
7+
|
63.9
|
4.8
|
68.6
|
180
|
12,106,228
|
53,538
|
3,341,047,386
|
282
|
17,652,874
|
Total
|
52.1
|
2.1
|
51.3
|
609
|
40,367,757
|
295,820
|
20,741,376,688
|
1,170
|
78,662,733
|
By Issue Age
|
20-24
|
68.4
|
16.6
|
71.4
|
17
|
960,000
|
29,582
|
1,611,125,502
|
25
|
1,344,414
|
25-29
|
62.3
|
9.7
|
58.9
|
41
|
2,465,000
|
55,477
|
3,579,560,907
|
66
|
4,182,896
|
30-34
|
50.6
|
7.1
|
48.9
|
51
|
3,586,250
|
57,152
|
4,254,426,256
|
101
|
7,329,504
|
35-39
|
61.8
|
6.7
|
63.1
|
85
|
6,770,000
|
50,155
|
4,029,780,987
|
138
|
10,735,896
|
40-44
|
52.8
|
5.2
|
47.2
|
103
|
7,053,995
|
43,076
|
3,386,181,621
|
195
|
14,949,432
|
45-49
|
51.2
|
4.7
|
50.8
|
118
|
8,035,967
|
31,303
|
2,177,760,622
|
231
|
15,809,007
|
50-54
|
50.7
|
4.9
|
48.1
|
106
|
6,374,178
|
18,156
|
1,138,846,361
|
210
|
13,265,062
|
55-59
|
44.2
|
5.4
|
49.0
|
68
|
3,987,367
|
8,723
|
451,294,528
|
153
|
8,135,908
|
60-64
|
36.9
|
9.0
|
40.4
|
17
|
1,015,000
|
1,988
|
99,906,607
|
46
|
2,509,813
|
65+
|
49.4
|
28.5
|
29.9
|
3
|
120,000
|
208
|
12,493,299
|
6
|
400,802
|
Total
|
52.1
|
2.1
|
51.3
|
609
|
40,367,757
|
295,820
|
20,741,376,688
|
1,170
|
78,662,733
|
By Attained Age
|
20-24
|
95.1
|
38.8
|
89.1
|
6
|
310,000
|
9,644
|
529,383,439
|
6
|
348,093
|
25-29
|
57.6
|
12.6
|
56.3
|
21
|
1,260,000
|
40,039
|
2,466,086,417
|
36
|
2,237,340
|
30-34
|
57.7
|
8.6
|
57.2
|
45
|
3,085,000
|
58,059
|
4,040,618,352
|
78
|
5,393,054
|
35-39
|
51.0
|
6.7
|
46.6
|
58
|
4,011,250
|
56,162
|
4,301,443,909
|
114
|
8,608,719
|
40-44
|
52.9
|
5.9
|
49.6
|
80
|
5,936,495
|
46,526
|
3,724,024,831
|
151
|
11,968,428
|
45-49
|
50.5
|
4.9
|
51.7
|
104
|
7,781,000
|
38,178
|
2,802,627,275
|
206
|
15,064,107
|
50-54
|
56.0
|
5.0
|
52.8
|
128
|
8,016,667
|
25,994
|
1,707,464,110
|
228
|
15,193,933
|
55-59
|
50.6
|
5.1
|
48.3
|
97
|
5,450,678
|
13,781
|
791,408,911
|
191
|
11,294,529
|
60-64
|
44.5
|
6.1
|
52.5
|
54
|
3,321,667
|
6,039
|
301,113,372
|
121
|
6,323,845
|
65+
|
44.8
|
10.9
|
53.6
|
17
|
1,195,000
|
1,396
|
77,206,073
|
38
|
2,230,686
|
Total
|
52.1
|
2.1
|
51.3
|
609
|
40,367,757
|
295,820
|
20,741,376,688
|
1,170
|
78,662,733
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.5
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.6
|
5.6
|
29.0
|
28
|
3,147,500
|
35,941
|
4,018,881,827
|
95
|
10,866,216
|
2
|
41.3
|
6.7
|
52.8
|
38
|
5,559,000
|
30,326
|
3,419,471,284
|
92
|
10,537,359
|
3
|
46.5
|
6.9
|
39.9
|
46
|
4,503,100
|
27,076
|
3,142,292,987
|
98
|
11,279,063
|
4
|
45.0
|
6.3
|
44.3
|
50
|
5,725,000
|
25,511
|
2,986,627,235
|
112
|
12,913,112
|
5
|
48.8
|
6.2
|
51.3
|
61
|
7,232,500
|
23,821
|
2,769,564,339
|
125
|
14,096,406
|
6
|
43.6
|
5.9
|
38.2
|
54
|
5,198,000
|
20,312
|
2,337,661,763
|
124
|
13,602,804
|
7+
|
45.5
|
4.3
|
47.6
|
112
|
11,693,719
|
33,009
|
3,526,325,800
|
247
|
24,564,093
|
Total
|
43.6
|
2.2
|
44.0
|
389
|
43,058,819
|
195,996
|
22,200,825,236
|
892
|
97,859,054
|
By Issue Age
|
20-24
|
77.4
|
29.3
|
83.5
|
7
|
735,000
|
12,733
|
1,237,619,963
|
9
|
880,488
|
25-29
|
58.6
|
14.7
|
44.8
|
16
|
1,265,000
|
27,341
|
2,799,914,763
|
27
|
2,822,004
|
30-34
|
43.5
|
8.9
|
45.0
|
24
|
2,932,500
|
36,301
|
4,234,541,538
|
55
|
6,516,055
|
35-39
|
44.5
|
6.7
|
48.6
|
44
|
5,900,000
|
38,732
|
4,760,654,300
|
99
|
12,142,903
|
40-44
|
44.5
|
5.1
|
38.8
|
75
|
7,777,719
|
36,480
|
4,387,454,620
|
169
|
20,025,376
|
45-49
|
41.0
|
4.3
|
43.2
|
91
|
10,508,500
|
26,514
|
2,968,014,596
|
221
|
24,322,716
|
50-54
|
44.6
|
4.9
|
43.7
|
84
|
8,240,100
|
13,020
|
1,323,354,327
|
189
|
18,839,504
|
55-59
|
41.7
|
6.6
|
50.0
|
40
|
4,725,000
|
4,110
|
408,310,125
|
96
|
9,457,640
|
60-64
|
33.0
|
11.7
|
36.4
|
8
|
975,000
|
706
|
77,051,004
|
24
|
2,681,599
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60
|
3,910,000
|
3
|
170,769
|
Total
|
43.6
|
2.2
|
44.0
|
389
|
43,058,819
|
195,996
|
22,200,825,236
|
892
|
97,859,054
|
By Attained Age
|
20-24
|
25.5
|
25.5
|
27.1
|
1
|
100,000
|
6,279
|
591,385,320
|
4
|
369,377
|
25-29
|
85.5
|
22.8
|
67.7
|
14
|
1,100,000
|
19,997
|
1,983,764,859
|
16
|
1,625,410
|
30-34
|
49.1
|
11.6
|
47.3
|
18
|
1,925,000
|
30,607
|
3,373,608,160
|
37
|
4,069,078
|
35-39
|
34.5
|
7.3
|
39.0
|
22
|
3,022,500
|
35,457
|
4,277,522,511
|
64
|
7,753,708
|
40-44
|
41.6
|
6.1
|
35.0
|
46
|
4,817,500
|
36,133
|
4,484,016,076
|
111
|
13,754,894
|
45-49
|
47.3
|
5.2
|
52.1
|
84
|
10,973,219
|
32,419
|
3,840,605,451
|
178
|
21,072,755
|
50-54
|
41.5
|
4.5
|
35.7
|
86
|
8,042,100
|
21,334
|
2,309,925,954
|
208
|
22,515,061
|
55-59
|
41.6
|
5.0
|
48.4
|
68
|
7,836,000
|
9,812
|
968,212,959
|
164
|
16,194,029
|
60-64
|
46.9
|
7.5
|
61.3
|
39
|
4,712,500
|
3,236
|
296,251,511
|
84
|
7,691,355
|
65+
|
37.2
|
11.8
|
18.8
|
10
|
530,000
|
723
|
75,532,435
|
27
|
2,813,387
|
Total
|
43.6
|
2.2
|
44.0
|
389
|
43,058,819
|
195,996
|
22,200,825,236
|
892
|
97,859,054
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.6
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.8
|
11.9
|
62.6
|
2
|
700,000
|
5,220
|
486,349,197
|
12
|
1,117,560
|
2
|
36.3
|
14.8
|
36.9
|
6
|
585,000
|
6,093
|
594,805,410
|
17
|
1,584,743
|
3
|
18.5
|
9.3
|
13.3
|
4
|
275,000
|
6,692
|
667,874,154
|
22
|
2,074,555
|
4
|
30.6
|
10.2
|
23.5
|
9
|
675,000
|
7,814
|
797,801,337
|
29
|
2,871,658
|
5
|
45.4
|
10.7
|
46.2
|
18
|
1,935,000
|
8,822
|
954,367,235
|
40
|
4,191,586
|
6
|
38.8
|
8.7
|
28.1
|
20
|
1,605,000
|
9,475
|
1,073,685,748
|
52
|
5,720,354
|
7+
|
57.0
|
5.7
|
52.9
|
100
|
11,414,500
|
24,274
|
2,985,114,906
|
176
|
21,593,328
|
Total
|
46.0
|
3.6
|
43.9
|
159
|
17,189,500
|
68,391
|
7,559,997,987
|
346
|
39,153,784
|
By Issue Age
|
20-24
|
33.7
|
33.7
|
36.8
|
1
|
100,000
|
3,971
|
362,711,821
|
3
|
271,908
|
25-29
|
48.1
|
21.5
|
72.5
|
5
|
726,500
|
9,667
|
919,622,401
|
10
|
1,002,295
|
30-34
|
73.0
|
18.3
|
78.8
|
16
|
1,960,000
|
13,077
|
1,455,250,018
|
22
|
2,487,357
|
35-39
|
47.6
|
10.6
|
49.4
|
20
|
2,525,000
|
14,496
|
1,730,459,678
|
42
|
5,112,999
|
40-44
|
49.4
|
8.4
|
50.0
|
34
|
4,323,000
|
12,784
|
1,562,539,156
|
69
|
8,650,283
|
45-49
|
45.3
|
7.5
|
35.8
|
36
|
3,130,000
|
8,173
|
868,641,912
|
80
|
8,741,565
|
50-54
|
45.2
|
7.9
|
31.0
|
33
|
2,550,000
|
4,425
|
481,672,011
|
73
|
8,237,668
|
55+
|
29.6
|
7.9
|
40.3
|
14
|
1,875,000
|
1,797
|
179,100,989
|
47
|
4,649,709
|
Total
|
46.0
|
3.6
|
43.9
|
159
|
17,189,500
|
68,391
|
7,559,997,987
|
346
|
39,153,784
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,296
|
115,933,444
|
1
|
71,809
|
25-29
|
45.2
|
31.9
|
71.0
|
2
|
280,000
|
5,490
|
489,349,382
|
4
|
394,145
|
30-34
|
88.2
|
27.9
|
133.0
|
10
|
1,471,500
|
9,732
|
949,622,519
|
11
|
1,106,698
|
35-39
|
27.7
|
11.3
|
19.8
|
6
|
480,000
|
12,393
|
1,389,177,087
|
22
|
2,426,880
|
40-44
|
51.6
|
11.5
|
42.3
|
20
|
1,945,000
|
13,102
|
1,558,561,859
|
39
|
4,595,967
|
45-49
|
33.7
|
7.4
|
33.0
|
21
|
2,480,000
|
11,679
|
1,416,122,712
|
62
|
7,519,885
|
50-54
|
63.2
|
9.0
|
68.1
|
49
|
5,798,000
|
8,164
|
896,680,077
|
78
|
8,516,448
|
55-59
|
40.2
|
7.5
|
26.1
|
29
|
2,185,000
|
4,401
|
510,430,130
|
72
|
8,376,340
|
60-64
|
36.0
|
9.0
|
36.9
|
16
|
1,825,000
|
1,792
|
201,215,679
|
44
|
4,944,295
|
65+
|
47.0
|
19.2
|
60.4
|
6
|
725,000
|
343
|
32,905,098
|
13
|
1,201,317
|
Total
|
46.0
|
3.6
|
43.9
|
159
|
17,189,500
|
68,391
|
7,559,997,987
|
346
|
39,153,784
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.7
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.8
|
5.2
|
26.4
|
28
|
2,287,000
|
26,260
|
2,509,529,765
|
101
|
8,675,236
|
2-6
|
53.9
|
2.6
|
55.9
|
426
|
37,500,069
|
142,047
|
13,574,408,749
|
791
|
67,104,557
|
7+
|
56.2
|
2.7
|
58.1
|
436
|
40,857,168
|
84,840
|
8,453,241,732
|
776
|
70,321,833
|
Total
|
53.4
|
1.8
|
55.2
|
890
|
80,644,237
|
253,147
|
24,537,180,247
|
1,668
|
146,101,626
|
By Issue Age
|
20-34
|
67.2
|
7.9
|
82.0
|
73
|
9,341,000
|
78,077
|
7,988,164,005
|
109
|
11,396,753
|
35-39
|
42.1
|
5.4
|
38.3
|
61
|
5,912,936
|
49,735
|
5,264,041,181
|
146
|
15,437,666
|
40-44
|
51.4
|
4.5
|
52.9
|
133
|
13,894,103
|
48,582
|
4,888,476,488
|
259
|
26,277,094
|
45-49
|
54.2
|
3.9
|
47.3
|
195
|
15,408,118
|
38,068
|
3,406,721,885
|
360
|
32,584,730
|
50-54
|
55.6
|
3.8
|
62.1
|
215
|
19,482,877
|
24,003
|
1,930,668,893
|
387
|
31,376,386
|
55-59
|
57.0
|
4.6
|
62.7
|
151
|
12,291,875
|
10,806
|
798,711,545
|
265
|
19,602,136
|
60+
|
43.1
|
5.5
|
45.8
|
61
|
4,313,328
|
3,877
|
260,396,249
|
142
|
9,426,862
|
Total
|
53.4
|
1.8
|
55.2
|
890
|
80,644,237
|
253,147
|
24,537,180,247
|
1,668
|
146,101,626
|
By Attained Age
|
20-24
|
51.4
|
51.4
|
81.7
|
1
|
150,000
|
3,225
|
301,729,221
|
2
|
183,613
|
25-29
|
83.2
|
27.7
|
100.5
|
9
|
1,050,000
|
13,647
|
1,310,010,010
|
11
|
1,044,549
|
30-34
|
93.8
|
16.9
|
86.4
|
31
|
2,866,000
|
28,246
|
2,814,849,453
|
33
|
3,316,648
|
35-39
|
38.4
|
7.2
|
51.9
|
28
|
4,066,773
|
41,727
|
4,428,039,189
|
73
|
7,830,428
|
40-44
|
48.3
|
5.9
|
51.3
|
68
|
7,575,078
|
47,236
|
4,967,781,270
|
141
|
14,779,245
|
45-49
|
48.2
|
4.4
|
47.8
|
118
|
11,472,228
|
45,651
|
4,478,060,888
|
245
|
23,989,961
|
50-54
|
52.3
|
3.9
|
49.5
|
177
|
14,947,800
|
35,263
|
3,158,760,244
|
339
|
30,206,744
|
55-59
|
56.3
|
3.9
|
55.9
|
210
|
17,495,405
|
22,549
|
1,896,830,803
|
374
|
31,294,362
|
60-64
|
60.4
|
4.6
|
71.5
|
172
|
15,683,895
|
11,245
|
873,329,396
|
285
|
21,938,063
|
65+
|
45.5
|
5.3
|
46.3
|
75
|
5,337,058
|
4,357
|
307,789,773
|
165
|
11,518,013
|
Total
|
53.4
|
1.8
|
55.2
|
890
|
80,644,237
|
253,147
|
24,537,180,247
|
1,668
|
146,101,626
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.8
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.0
|
5.3
|
27.1
|
24
|
2,165,000
|
28,333
|
2,457,696,930
|
93
|
7,996,810
|
2
|
45.0
|
7.4
|
45.1
|
37
|
3,256,367
|
23,502
|
2,047,319,680
|
83
|
7,223,902
|
3
|
49.0
|
8.1
|
36.5
|
37
|
2,309,995
|
19,749
|
1,664,902,513
|
76
|
6,322,937
|
4
|
53.5
|
8.8
|
41.4
|
37
|
2,255,000
|
17,347
|
1,371,827,204
|
69
|
5,441,979
|
5
|
52.2
|
8.9
|
40.1
|
34
|
1,860,000
|
15,783
|
1,143,374,629
|
65
|
4,643,984
|
6
|
41.0
|
8.4
|
58.9
|
24
|
2,299,167
|
13,552
|
922,405,009
|
58
|
3,905,507
|
7+
|
64.1
|
6.5
|
74.0
|
96
|
7,718,728
|
26,127
|
1,795,246,171
|
150
|
10,426,469
|
Total
|
48.8
|
2.9
|
47.6
|
290
|
21,864,257
|
144,393
|
11,402,772,135
|
595
|
45,961,589
|
By Issue Age
|
20-24
|
40.7
|
20.4
|
47.2
|
4
|
260,000
|
13,354
|
747,697,079
|
10
|
550,587
|
25-29
|
56.9
|
14.7
|
51.2
|
15
|
910,000
|
25,861
|
1,757,158,520
|
26
|
1,778,430
|
30-34
|
34.8
|
9.0
|
34.9
|
15
|
1,226,250
|
28,375
|
2,319,170,259
|
43
|
3,513,866
|
35-39
|
66.3
|
10.4
|
70.4
|
41
|
3,900,000
|
25,196
|
2,289,292,592
|
62
|
5,543,433
|
40-44
|
45.1
|
6.8
|
36.3
|
44
|
3,123,995
|
22,014
|
1,996,368,047
|
98
|
8,600,094
|
45-49
|
43.1
|
5.9
|
47.5
|
54
|
4,698,467
|
16,021
|
1,309,010,257
|
126
|
9,894,852
|
50-54
|
59.5
|
7.1
|
53.4
|
69
|
4,614,178
|
8,681
|
661,983,936
|
117
|
8,632,922
|
55-59
|
43.6
|
7.1
|
43.2
|
38
|
2,351,367
|
3,990
|
257,683,410
|
86
|
5,442,452
|
60-64
|
40.7
|
12.9
|
45.2
|
10
|
780,000
|
814
|
57,108,626
|
25
|
1,727,088
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
87
|
7,299,409
|
3
|
277,866
|
Total
|
48.8
|
2.9
|
47.6
|
290
|
21,864,257
|
144,393
|
11,402,772,135
|
595
|
45,961,589
|
By Attained Age
|
20-24
|
37.3
|
37.3
|
6.6
|
1
|
10,000
|
4,437
|
246,984,008
|
3
|
151,075
|
25-29
|
41.8
|
17.1
|
45.4
|
6
|
425,000
|
18,173
|
1,180,062,236
|
14
|
936,069
|
30-34
|
46.9
|
12.1
|
40.9
|
15
|
985,000
|
27,738
|
2,074,275,241
|
32
|
2,409,012
|
35-39
|
55.0
|
10.6
|
49.3
|
27
|
2,081,250
|
28,225
|
2,406,505,236
|
49
|
4,222,880
|
40-44
|
43.9
|
7.9
|
41.9
|
31
|
2,701,495
|
23,722
|
2,161,450,907
|
71
|
6,449,675
|
45-49
|
45.1
|
6.6
|
46.8
|
47
|
4,201,000
|
19,367
|
1,669,730,155
|
104
|
8,971,990
|
50-54
|
50.6
|
6.4
|
49.2
|
62
|
4,706,667
|
12,845
|
997,321,890
|
123
|
9,574,013
|
55-59
|
52.1
|
6.9
|
51.3
|
57
|
3,852,178
|
6,559
|
456,866,930
|
109
|
7,514,064
|
60-64
|
49.5
|
8.5
|
49.7
|
34
|
2,101,667
|
2,720
|
167,037,720
|
69
|
4,228,658
|
65+
|
46.8
|
14.8
|
53.2
|
10
|
800,000
|
608
|
42,537,814
|
21
|
1,504,152
|
Total
|
48.8
|
2.9
|
47.6
|
290
|
21,864,257
|
144,393
|
11,402,772,135
|
595
|
45,961,589
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.9
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.9
|
4.9
|
24.7
|
30
|
2,166,100
|
41,092
|
3,319,915,429
|
112
|
8,781,579
|
2
|
46.8
|
6.7
|
56.0
|
48
|
4,603,000
|
33,530
|
2,794,444,485
|
103
|
8,212,520
|
3
|
58.9
|
7.6
|
50.9
|
59
|
4,233,600
|
28,779
|
2,498,116,919
|
101
|
8,313,685
|
4
|
49.6
|
6.7
|
52.3
|
55
|
4,779,490
|
27,070
|
2,390,729,805
|
111
|
9,136,582
|
5
|
58.1
|
6.9
|
54.8
|
70
|
5,376,200
|
25,757
|
2,260,820,225
|
121
|
9,805,705
|
6
|
73.8
|
7.9
|
86.9
|
88
|
8,212,000
|
22,643
|
1,953,719,703
|
119
|
9,447,521
|
7+
|
61.9
|
5.0
|
56.1
|
153
|
10,159,000
|
39,813
|
3,210,126,024
|
248
|
18,102,942
|
Total
|
55.1
|
2.5
|
55.1
|
504
|
39,529,390
|
218,684
|
18,427,872,589
|
914
|
71,800,532
|
By Issue Age
|
20-24
|
33.4
|
16.7
|
34.0
|
4
|
350,000
|
13,901
|
1,196,257,230
|
12
|
1,029,652
|
25-29
|
47.3
|
10.6
|
81.4
|
20
|
2,965,000
|
32,850
|
2,811,776,075
|
42
|
3,644,227
|
30-34
|
60.5
|
8.6
|
48.9
|
49
|
3,555,200
|
40,786
|
3,617,665,120
|
81
|
7,264,082
|
35-39
|
57.9
|
6.6
|
54.0
|
77
|
6,565,000
|
42,856
|
3,903,693,920
|
133
|
12,163,977
|
40-44
|
59.4
|
5.6
|
63.5
|
112
|
10,260,000
|
39,074
|
3,363,495,090
|
189
|
16,162,389
|
45-49
|
57.5
|
5.2
|
50.3
|
120
|
7,970,590
|
28,921
|
2,198,573,749
|
210
|
15,833,799
|
50-54
|
48.0
|
5.7
|
54.9
|
71
|
5,601,000
|
14,135
|
986,916,349
|
148
|
10,205,354
|
55+
|
50.5
|
7.1
|
41.2
|
50
|
2,262,600
|
6,162
|
349,495,056
|
100
|
5,497,053
|
Total
|
55.1
|
2.5
|
55.1
|
504
|
39,529,390
|
218,684
|
18,427,872,589
|
914
|
71,800,532
|
By Attained Age
|
20-24
|
43.0
|
30.4
|
38.2
|
2
|
150,000
|
6,594
|
556,023,705
|
5
|
392,245
|
25-29
|
37.1
|
12.4
|
33.0
|
9
|
675,000
|
23,513
|
1,984,174,327
|
24
|
2,043,678
|
30-34
|
47.2
|
9.2
|
72.2
|
26
|
3,440,000
|
35,460
|
3,060,381,811
|
55
|
4,762,093
|
35-39
|
55.7
|
7.7
|
48.6
|
52
|
4,130,200
|
39,639
|
3,592,428,794
|
94
|
8,490,127
|
40-44
|
59.5
|
6.5
|
55.9
|
83
|
7,110,000
|
38,818
|
3,540,202,385
|
140
|
12,720,708
|
45-49
|
58.6
|
5.6
|
61.3
|
111
|
9,613,100
|
34,713
|
2,876,574,325
|
190
|
15,689,975
|
50-54
|
56.7
|
5.5
|
45.9
|
107
|
6,587,490
|
23,523
|
1,788,863,188
|
189
|
14,346,081
|
55-59
|
47.0
|
6.0
|
63.1
|
61
|
5,451,000
|
11,345
|
752,321,131
|
130
|
8,633,589
|
60-64
|
63.3
|
9.9
|
43.8
|
41
|
1,632,600
|
4,059
|
232,543,579
|
65
|
3,729,500
|
65+
|
47.4
|
14.3
|
74.6
|
11
|
740,000
|
1,020
|
44,359,344
|
23
|
992,538
|
Total
|
55.1
|
2.5
|
55.1
|
504
|
39,529,390
|
218,684
|
18,427,872,589
|
914
|
71,800,532
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.10
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.3
|
11.5
|
20.7
|
3
|
245,000
|
6,062
|
499,076,926
|
15
|
1,182,317
|
2
|
50.9
|
16.1
|
51.4
|
10
|
790,000
|
6,760
|
562,513,799
|
20
|
1,538,207
|
3
|
58.3
|
15.6
|
76.0
|
14
|
1,420,000
|
7,241
|
605,862,695
|
24
|
1,868,007
|
4
|
56.1
|
13.6
|
45.1
|
17
|
1,070,000
|
8,138
|
693,478,892
|
30
|
2,372,412
|
5
|
71.1
|
13.9
|
75.6
|
26
|
2,210,000
|
8,651
|
746,265,738
|
37
|
2,923,721
|
6
|
68.6
|
13.0
|
76.9
|
28
|
2,565,750
|
8,716
|
763,268,971
|
41
|
3,338,503
|
7+
|
73.6
|
7.9
|
72.5
|
87
|
7,460,000
|
21,074
|
1,921,530,804
|
118
|
10,286,616
|
Total
|
65.0
|
4.8
|
67.0
|
185
|
15,760,750
|
66,641
|
5,791,997,825
|
285
|
23,509,783
|
By Issue Age
|
20-24
|
78.9
|
45.5
|
78.2
|
3
|
250,000
|
4,141
|
347,550,452
|
4
|
319,750
|
25-29
|
63.2
|
21.0
|
78.7
|
9
|
1,010,000
|
10,310
|
920,612,592
|
14
|
1,283,560
|
30-34
|
73.4
|
16.0
|
62.1
|
21
|
1,745,000
|
13,035
|
1,258,429,633
|
29
|
2,809,647
|
35-39
|
75.0
|
12.9
|
75.5
|
34
|
3,145,000
|
13,371
|
1,221,701,701
|
45
|
4,163,326
|
40-44
|
78.3
|
11.2
|
83.0
|
49
|
4,435,750
|
11,972
|
1,016,452,903
|
63
|
5,346,588
|
45-49
|
56.4
|
9.4
|
56.1
|
36
|
2,750,000
|
8,300
|
638,576,759
|
64
|
4,904,151
|
50-54
|
53.9
|
11.0
|
52.4
|
24
|
1,730,000
|
4,108
|
300,266,242
|
45
|
3,298,852
|
55+
|
41.6
|
13.9
|
50.2
|
9
|
695,000
|
1,403
|
88,407,544
|
22
|
1,383,907
|
Total
|
65.0
|
4.8
|
67.0
|
185
|
15,760,750
|
66,641
|
5,791,997,825
|
285
|
23,509,783
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,422
|
117,980,525
|
1
|
82,339
|
25-29
|
31.9
|
22.5
|
32.8
|
2
|
175,000
|
6,111
|
520,605,384
|
6
|
533,208
|
30-34
|
64.4
|
20.3
|
66.6
|
10
|
925,000
|
10,130
|
905,269,532
|
16
|
1,389,633
|
35-39
|
85.2
|
17.4
|
84.7
|
24
|
2,240,000
|
12,085
|
1,136,882,649
|
28
|
2,644,289
|
40-44
|
68.4
|
12.5
|
67.0
|
30
|
2,695,000
|
12,379
|
1,143,954,171
|
44
|
4,022,156
|
45-49
|
76.2
|
11.2
|
81.7
|
46
|
4,170,750
|
11,238
|
955,496,427
|
60
|
5,106,316
|
50-54
|
60.4
|
9.9
|
58.0
|
37
|
2,790,000
|
7,806
|
615,369,172
|
61
|
4,813,307
|
55-59
|
51.8
|
10.8
|
48.7
|
23
|
1,545,000
|
3,976
|
285,778,853
|
44
|
3,174,975
|
60+
|
54.6
|
15.2
|
70.0
|
13
|
1,220,000
|
1,492
|
110,661,111
|
24
|
1,743,560
|
Total
|
65.0
|
4.8
|
67.0
|
185
|
15,760,750
|
66,641
|
5,791,997,825
|
285
|
23,509,783
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.11
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-6
|
51.7
|
2.5
|
61.0
|
437
|
35,308,676
|
180,277
|
14,111,740,024
|
845
|
57,893,619
|
7+
|
54.0
|
3.0
|
56.3
|
332
|
24,455,801
|
85,431
|
6,789,136,542
|
615
|
43,455,563
|
Total
|
52.7
|
1.9
|
59.0
|
769
|
59,764,477
|
265,708
|
20,900,876,566
|
1,460
|
101,349,182
|
By Issue Age
|
20-24
|
76.6
|
27.1
|
49.7
|
8
|
447,500
|
11,301
|
965,903,379
|
10
|
900,659
|
25-29
|
42.6
|
10.0
|
51.8
|
18
|
2,007,407
|
29,669
|
2,699,057,647
|
42
|
3,877,971
|
30-34
|
62.1
|
8.2
|
65.7
|
58
|
5,599,070
|
42,664
|
3,863,031,895
|
94
|
8,526,324
|
35-39
|
67.6
|
6.3
|
78.0
|
114
|
11,407,836
|
49,468
|
4,275,001,198
|
169
|
14,617,452
|
40-44
|
63.1
|
5.0
|
64.7
|
160
|
12,933,711
|
48,828
|
3,839,145,875
|
254
|
19,987,041
|
45-49
|
50.2
|
4.0
|
53.7
|
157
|
11,613,205
|
40,665
|
2,802,582,330
|
313
|
21,608,004
|
50-54
|
45.6
|
4.0
|
45.6
|
133
|
8,097,867
|
26,496
|
1,612,424,074
|
292
|
17,764,223
|
55-59
|
46.5
|
5.1
|
61.5
|
84
|
6,107,008
|
11,881
|
652,787,225
|
181
|
9,933,357
|
60+
|
34.5
|
5.7
|
37.5
|
36
|
1,550,873
|
4,735
|
190,942,942
|
105
|
4,134,150
|
Total
|
52.7
|
1.9
|
59.0
|
769
|
59,764,477
|
265,708
|
20,900,876,566
|
1,460
|
101,349,182
|
By Attained Age
|
20-24
|
116.7
|
67.4
|
69.3
|
3
|
150,000
|
3,742
|
312,201,947
|
3
|
216,492
|
25-29
|
65.9
|
19.9
|
76.7
|
11
|
1,124,027
|
16,544
|
1,444,165,684
|
17
|
1,465,605
|
30-34
|
51.6
|
10.3
|
47.4
|
25
|
2,068,750
|
31,452
|
2,823,392,976
|
48
|
4,363,107
|
35-39
|
56.8
|
7.7
|
69.6
|
55
|
6,087,700
|
41,618
|
3,750,568,851
|
97
|
8,745,173
|
40-44
|
60.2
|
6.0
|
63.9
|
99
|
8,892,888
|
46,401
|
3,933,314,745
|
165
|
13,918,366
|
45-49
|
63.3
|
5.0
|
69.6
|
158
|
13,337,998
|
46,533
|
3,574,410,186
|
250
|
19,168,365
|
50-54
|
53.0
|
4.2
|
56.1
|
157
|
11,524,138
|
37,468
|
2,604,604,851
|
297
|
20,529,439
|
55-59
|
48.6
|
4.2
|
57.2
|
136
|
9,987,572
|
24,818
|
1,553,364,303
|
280
|
17,445,989
|
60-64
|
41.8
|
4.7
|
45.3
|
79
|
4,757,696
|
12,111
|
679,367,595
|
189
|
10,513,945
|
65+
|
39.4
|
5.9
|
36.8
|
45
|
1,833,708
|
5,021
|
225,485,428
|
114
|
4,982,700
|
Total
|
52.7
|
1.9
|
59.0
|
769
|
59,764,477
|
265,708
|
20,900,876,566
|
1,460
|
101,349,182
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 8.12
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.2
|
5.0
|
24.0
|
23
|
1,405,000
|
29,438
|
1,953,010,730
|
96
|
5,846,408
|
2
|
56.6
|
8.2
|
55.3
|
47
|
2,805,000
|
24,380
|
1,616,567,144
|
83
|
5,072,971
|
3
|
46.0
|
7.9
|
61.2
|
34
|
2,685,000
|
20,551
|
1,329,525,077
|
74
|
4,384,629
|
4
|
84.1
|
11.1
|
85.4
|
57
|
3,265,000
|
18,181
|
1,116,374,020
|
68
|
3,821,349
|
5
|
55.7
|
9.3
|
62.2
|
36
|
2,131,000
|
16,910
|
976,704,895
|
65
|
3,426,392
|
6
|
65.7
|
10.7
|
62.4
|
38
|
1,825,000
|
14,556
|
800,621,472
|
58
|
2,922,989
|
7+
|
63.6
|
6.9
|
60.7
|
84
|
4,387,500
|
27,411
|
1,545,801,215
|
132
|
7,226,405
|
Total
|
55.5
|
3.1
|
56.6
|
319
|
18,503,500
|
151,427
|
9,338,604,553
|
575
|
32,701,144
|
By Issue Age
|
20-24
|
86.6
|
24.0
|
88.2
|
13
|
700,000
|
16,228
|
863,428,423
|
15
|
793,826
|
25-29
|
66.0
|
12.9
|
64.7
|
26
|
1,555,000
|
29,616
|
1,822,402,386
|
39
|
2,404,466
|
30-34
|
62.4
|
10.4
|
61.9
|
36
|
2,360,000
|
28,777
|
1,935,255,997
|
58
|
3,815,638
|
35-39
|
58.1
|
8.8
|
55.3
|
44
|
2,870,000
|
24,959
|
1,740,488,395
|
76
|
5,192,463
|
40-44
|
60.4
|
7.9
|
61.9
|
59
|
3,930,000
|
21,062
|
1,389,813,574
|
98
|
6,349,338
|
45-49
|
60.7
|
7.6
|
56.4
|
64
|
3,337,500
|
15,282
|
868,750,365
|
106
|
5,914,156
|
50-54
|
39.8
|
6.5
|
38.0
|
37
|
1,760,000
|
9,475
|
476,862,424
|
93
|
4,632,139
|
55-59
|
45.1
|
8.2
|
60.7
|
30
|
1,636,000
|
4,733
|
193,611,118
|
67
|
2,693,456
|
60-64
|
32.6
|
12.3
|
30.0
|
7
|
235,000
|
1,175
|
42,797,981
|
21
|
782,725
|
65+
|
106.2
|
61.3
|
97.6
|
3
|
120,000
|
121
|
5,193,890
|
3
|
122,936
|
Total
|
55.5
|
3.1
|
56.6
|
319
|
18,503,500
|
151,427
|
9,338,604,553
|
575
|
32,701,144
|
By Attained Age
|
20-24
|
137.8
|
61.6
|
152.3
|
5
|
300,000
|
5,208
|
282,399,431
|
4
|
197,017
|
25-29
|
67.8
|
17.5
|
64.2
|
15
|
835,000
|
21,867
|
1,286,024,182
|
22
|
1,301,271
|
30-34
|
65.2
|
11.9
|
70.4
|
30
|
2,100,000
|
30,321
|
1,966,343,111
|
46
|
2,984,042
|
35-39
|
47.9
|
8.6
|
44.0
|
31
|
1,930,000
|
27,937
|
1,894,938,673
|
65
|
4,385,839
|
40-44
|
60.7
|
8.7
|
58.6
|
49
|
3,235,000
|
22,804
|
1,562,573,924
|
81
|
5,518,752
|
45-49
|
56.1
|
7.4
|
58.8
|
57
|
3,580,000
|
18,812
|
1,132,897,120
|
102
|
6,092,117
|
50-54
|
62.4
|
7.7
|
58.9
|
65
|
3,310,000
|
13,149
|
710,142,220
|
104
|
5,619,920
|
55-59
|
48.5
|
7.7
|
42.3
|
40
|
1,598,500
|
7,222
|
334,541,980
|
82
|
3,780,465
|
60-64
|
38.0
|
8.5
|
58.2
|
20
|
1,220,000
|
3,319
|
134,075,652
|
53
|
2,095,187
|
65+
|
42.1
|
15.9
|
54.4
|
7
|
395,000
|
789
|
34,668,259
|
17
|
726,533
|
Total
|
55.5
|
3.1
|
56.6
|
319
|
18,503,500
|
151,427
|
9,338,604,553
|
575
|
32,701,144
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 9.1
TOTAL EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
56.4
|
2.3
|
62.7
|
607
|
55,079,901
|
239,005
|
20,719,905,965
|
1,076
|
87,864,512
|
2008
|
53.7
|
2.1
|
55.7
|
670
|
57,221,885
|
265,397
|
23,341,820,552
|
1,249
|
102,741,937
|
2009
|
55.1
|
2.0
|
55.2
|
788
|
65,417,457
|
293,975
|
25,956,982,231
|
1,429
|
118,506,096
|
2010
|
51.6
|
1.8
|
51.0
|
832
|
68,799,054
|
321,471
|
28,433,495,842
|
1,614
|
134,850,224
|
2011
|
47.7
|
1.6
|
49.2
|
864
|
75,083,168
|
349,751
|
30,988,803,816
|
1,812
|
152,509,433
|
Total
|
52.4
|
0.9
|
53.9
|
3,761
|
321,601,465
|
1,469,600
|
129,441,008,405
|
7,180
|
596,472,202
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 9.2
MALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
55.4
|
3.2
|
60.6
|
309
|
31,245,783
|
117,144
|
11,380,118,562
|
557
|
51,554,761
|
2008
|
50.3
|
2.8
|
49.4
|
326
|
29,824,928
|
129,707
|
12,827,449,228
|
647
|
60,315,802
|
2009
|
52.8
|
2.7
|
51.9
|
391
|
36,253,193
|
142,884
|
14,237,195,708
|
741
|
69,802,421
|
2010
|
47.5
|
2.4
|
48.5
|
398
|
38,603,287
|
155,248
|
15,534,097,988
|
838
|
79,612,460
|
2011
|
46.0
|
2.2
|
46.3
|
433
|
41,811,931
|
168,014
|
16,900,858,018
|
941
|
90,239,127
|
Total
|
49.9
|
1.2
|
50.6
|
1,857
|
177,739,122
|
712,997
|
70,879,719,504
|
3,725
|
351,524,571
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 9.3
FEMALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
57.3
|
3.3
|
65.6
|
298
|
23,834,118
|
121,861
|
9,339,787,403
|
519
|
36,309,751
|
2008
|
57.3
|
3.1
|
64.6
|
344
|
27,396,957
|
135,690
|
10,514,371,324
|
601
|
42,426,135
|
2009
|
57.7
|
2.9
|
59.9
|
397
|
29,164,264
|
151,091
|
11,719,786,523
|
688
|
48,703,675
|
2010
|
55.9
|
2.7
|
54.7
|
434
|
30,195,767
|
166,224
|
12,899,397,853
|
776
|
55,237,765
|
2011
|
49.4
|
2.4
|
53.4
|
431
|
33,271,237
|
181,738
|
14,087,945,798
|
871
|
62,270,307
|
Total
|
55.1
|
1.3
|
58.7
|
1,903
|
143,862,343
|
756,603
|
58,561,288,901
|
3,455
|
244,947,632
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.1
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.6
|
3.8
|
26.6
|
42
|
4,093,100
|
37,646
|
3,980,327,536
|
172
|
15,413,966
|
2
|
39.0
|
5.1
|
40.6
|
59
|
5,731,633
|
29,471
|
3,257,767,203
|
152
|
14,100,525
|
3
|
41.6
|
5.4
|
49.7
|
58
|
6,722,344
|
23,563
|
2,753,208,968
|
140
|
13,515,552
|
4
|
50.5
|
6.2
|
56.6
|
67
|
6,825,000
|
20,177
|
2,306,269,993
|
133
|
12,067,999
|
5
|
50.7
|
6.1
|
51.3
|
69
|
5,962,500
|
18,732
|
2,046,078,363
|
137
|
11,623,783
|
6
|
40.1
|
5.5
|
40.3
|
53
|
4,351,491
|
16,399
|
1,734,552,851
|
133
|
10,807,125
|
7+
|
51.7
|
3.7
|
59.5
|
197
|
17,562,390
|
37,570
|
3,698,078,366
|
382
|
29,498,054
|
Total
|
43.8
|
1.9
|
47.9
|
547
|
51,248,458
|
183,557
|
19,776,283,281
|
1,249
|
107,027,005
|
By Issue Age
|
20-24
|
66.2
|
33.1
|
47.4
|
4
|
310,000
|
7,597
|
814,923,786
|
6
|
653,370
|
25-29
|
47.6
|
15.1
|
51.6
|
10
|
1,190,000
|
18,216
|
1,996,047,252
|
21
|
2,304,190
|
30-34
|
54.1
|
11.1
|
74.7
|
24
|
4,100,000
|
25,106
|
3,137,461,888
|
44
|
5,488,100
|
35-39
|
58.1
|
8.6
|
60.0
|
46
|
6,105,000
|
27,687
|
3,592,308,069
|
79
|
10,168,237
|
40-44
|
50.6
|
5.9
|
46.7
|
73
|
8,913,822
|
30,064
|
4,068,639,993
|
145
|
19,073,308
|
45-49
|
43.5
|
4.5
|
45.6
|
94
|
10,939,658
|
27,205
|
3,118,361,052
|
215
|
24,000,164
|
50-54
|
42.0
|
3.4
|
38.5
|
152
|
9,808,978
|
28,786
|
2,055,041,610
|
361
|
25,467,028
|
55-64
|
39.2
|
3.3
|
50.5
|
140
|
9,647,500
|
18,252
|
970,055,046
|
356
|
19,090,498
|
65+
|
24.7
|
10.9
|
29.9
|
5
|
233,500
|
644
|
23,444,585
|
21
|
782,110
|
Total
|
43.8
|
1.9
|
47.9
|
547
|
51,248,458
|
183,557
|
19,776,283,281
|
1,249
|
107,027,005
|
By Attained Age
|
20-24
|
38.9
|
38.9
|
39.0
|
1
|
100,000
|
3,813
|
379,587,580
|
3
|
256,353
|
25-29
|
57.2
|
21.6
|
75.0
|
7
|
950,000
|
12,984
|
1,364,739,026
|
12
|
1,266,259
|
30-34
|
66.0
|
15.2
|
59.0
|
19
|
1,975,000
|
20,856
|
2,469,129,776
|
29
|
3,344,641
|
35-39
|
23.9
|
6.9
|
42.3
|
12
|
2,650,000
|
24,357
|
3,100,926,733
|
50
|
6,262,734
|
40-44
|
58.5
|
8.0
|
51.2
|
53
|
6,434,354
|
27,411
|
3,812,558,714
|
91
|
12,557,966
|
45-49
|
49.5
|
5.7
|
53.1
|
76
|
10,686,590
|
28,164
|
3,679,491,519
|
154
|
20,111,444
|
50-54
|
43.6
|
4.2
|
39.5
|
108
|
9,506,169
|
27,526
|
2,662,577,872
|
249
|
24,088,905
|
55-59
|
39.4
|
3.5
|
42.7
|
127
|
9,389,345
|
23,045
|
1,541,990,052
|
322
|
21,965,738
|
60-64
|
43.9
|
4.4
|
56.2
|
101
|
7,052,500
|
11,540
|
605,629,208
|
230
|
12,556,409
|
65+
|
39.0
|
6.0
|
54.3
|
42
|
2,504,500
|
3,860
|
159,652,802
|
108
|
4,616,556
|
Total
|
43.8
|
1.9
|
47.9
|
547
|
51,248,458
|
183,557
|
19,776,283,281
|
1,249
|
107,027,005
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.2
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.3
|
4.9
|
25.6
|
19
|
2,419,500
|
18,984
|
2,406,248,966
|
90
|
9,462,263
|
2
|
33.3
|
6.4
|
38.8
|
27
|
3,411,500
|
15,163
|
1,985,756,396
|
82
|
8,796,533
|
3
|
39.4
|
7.2
|
44.1
|
30
|
3,776,854
|
12,396
|
1,698,489,671
|
77
|
8,558,166
|
4
|
47.9
|
8.1
|
46.4
|
35
|
3,540,000
|
10,749
|
1,422,426,826
|
73
|
7,622,540
|
5
|
51.9
|
8.3
|
51.4
|
39
|
3,743,500
|
9,851
|
1,238,738,404
|
76
|
7,284,969
|
6
|
32.8
|
6.7
|
29.2
|
24
|
1,982,000
|
8,562
|
1,042,493,487
|
74
|
6,792,663
|
7+
|
54.3
|
5.0
|
67.2
|
117
|
12,556,116
|
19,469
|
2,196,487,391
|
215
|
18,687,400
|
Total
|
42.6
|
2.5
|
46.8
|
292
|
31,429,470
|
95,174
|
11,990,641,142
|
687
|
67,204,532
|
By Issue Age
|
20-24
|
37.7
|
37.7
|
32.6
|
1
|
100,000
|
3,662
|
420,462,870
|
3
|
306,920
|
25-29
|
66.2
|
27.0
|
79.6
|
6
|
900,000
|
8,876
|
1,094,615,468
|
9
|
1,130,383
|
30-34
|
62.2
|
17.2
|
92.2
|
13
|
2,800,000
|
13,350
|
1,931,224,686
|
21
|
3,036,649
|
35-39
|
54.4
|
11.6
|
60.2
|
22
|
3,580,000
|
15,238
|
2,262,923,366
|
40
|
5,948,267
|
40-44
|
44.3
|
7.4
|
43.7
|
36
|
5,343,822
|
17,154
|
2,650,356,234
|
82
|
12,242,159
|
45-49
|
34.6
|
5.3
|
33.5
|
43
|
5,259,000
|
14,886
|
1,950,614,928
|
125
|
15,675,647
|
50-54
|
45.8
|
4.7
|
38.4
|
93
|
6,208,648
|
13,875
|
1,148,128,896
|
204
|
16,157,289
|
55-59
|
38.3
|
5.2
|
48.0
|
53
|
4,454,500
|
6,216
|
426,322,564
|
140
|
9,284,032
|
60-64
|
43.8
|
9.1
|
91.7
|
23
|
2,680,000
|
1,649
|
93,599,425
|
52
|
2,923,516
|
65+
|
10.0
|
9.5
|
20.7
|
1
|
103,500
|
268
|
12,392,705
|
11
|
499,669
|
Total
|
42.6
|
2.5
|
46.8
|
292
|
31,429,470
|
95,174
|
11,990,641,142
|
687
|
67,204,532
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,792
|
192,412,512
|
1
|
122,767
|
25-29
|
79.0
|
39.5
|
125.8
|
4
|
750,000
|
6,100
|
719,372,305
|
5
|
596,300
|
30-34
|
62.3
|
22.0
|
55.0
|
8
|
975,000
|
10,649
|
1,461,995,611
|
13
|
1,772,938
|
35-39
|
21.1
|
9.4
|
46.3
|
5
|
1,625,000
|
13,155
|
1,939,159,840
|
24
|
3,507,602
|
40-44
|
58.7
|
11.1
|
55.3
|
28
|
4,184,354
|
15,518
|
2,435,779,293
|
48
|
7,562,930
|
45-49
|
36.2
|
6.4
|
39.7
|
32
|
5,211,000
|
16,204
|
2,402,623,630
|
89
|
13,142,059
|
50-54
|
41.4
|
5.4
|
35.7
|
58
|
5,498,468
|
14,257
|
1,585,328,492
|
141
|
15,398,789
|
55-59
|
41.5
|
4.8
|
41.1
|
76
|
5,775,648
|
10,904
|
849,356,494
|
182
|
14,063,393
|
60-64
|
42.6
|
5.8
|
65.8
|
54
|
5,370,500
|
5,021
|
324,306,139
|
127
|
8,157,680
|
65+
|
47.3
|
9.1
|
70.8
|
27
|
2,039,500
|
1,574
|
80,306,825
|
57
|
2,880,075
|
Total
|
42.6
|
2.5
|
46.8
|
292
|
31,429,470
|
95,174
|
11,990,641,142
|
687
|
67,204,532
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.3
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.3
|
5.9
|
28.1
|
23
|
1,673,600
|
18,661
|
1,574,078,569
|
82
|
5,951,704
|
2
|
45.5
|
8.0
|
43.7
|
32
|
2,320,133
|
14,308
|
1,272,010,807
|
71
|
5,303,993
|
3
|
44.2
|
8.3
|
59.4
|
28
|
2,945,490
|
11,167
|
1,054,719,297
|
64
|
4,957,386
|
4
|
53.7
|
9.5
|
73.9
|
32
|
3,285,000
|
9,428
|
883,843,168
|
60
|
4,445,459
|
5
|
49.2
|
9.0
|
51.1
|
30
|
2,219,000
|
8,880
|
807,339,959
|
61
|
4,338,814
|
6
|
49.4
|
9.2
|
59.0
|
29
|
2,369,491
|
7,837
|
692,059,364
|
59
|
4,014,462
|
7+
|
48.2
|
5.4
|
46.3
|
80
|
5,006,274
|
18,101
|
1,501,590,975
|
166
|
10,810,654
|
Total
|
45.3
|
2.8
|
49.8
|
255
|
19,818,988
|
88,383
|
7,785,642,140
|
562
|
39,822,473
|
By Issue Age
|
20-29
|
45.7
|
17.3
|
32.9
|
7
|
500,000
|
13,276
|
1,295,892,700
|
15
|
1,520,256
|
30-34
|
47.0
|
14.2
|
53.0
|
11
|
1,300,000
|
11,756
|
1,206,237,203
|
23
|
2,451,451
|
35-39
|
61.9
|
12.6
|
59.8
|
24
|
2,525,000
|
12,450
|
1,329,384,703
|
39
|
4,219,970
|
40-44
|
58.8
|
9.7
|
52.3
|
37
|
3,570,000
|
12,909
|
1,418,283,759
|
63
|
6,831,150
|
45-49
|
55.8
|
7.9
|
68.2
|
50
|
5,680,658
|
12,319
|
1,167,746,124
|
90
|
8,324,517
|
50-54
|
37.0
|
4.9
|
38.7
|
58
|
3,600,330
|
14,911
|
906,912,714
|
157
|
9,309,739
|
55+
|
38.6
|
4.7
|
36.9
|
67
|
2,643,000
|
10,762
|
461,184,937
|
174
|
7,165,390
|
Total
|
45.3
|
2.8
|
49.8
|
255
|
19,818,988
|
88,383
|
7,785,642,140
|
562
|
39,822,473
|
By Attained Age
|
20-39
|
43.1
|
9.2
|
45.3
|
22
|
2,325,000
|
30,314
|
3,001,442,846
|
51
|
5,130,379
|
40-44
|
58.3
|
11.6
|
45.0
|
25
|
2,250,000
|
11,894
|
1,376,779,421
|
43
|
4,995,036
|
45-49
|
67.5
|
10.1
|
78.6
|
44
|
5,475,590
|
11,960
|
1,276,867,889
|
66
|
6,969,385
|
50-54
|
46.3
|
6.5
|
46.1
|
50
|
4,007,701
|
13,269
|
1,077,249,379
|
108
|
8,690,116
|
55-59
|
36.5
|
5.1
|
45.7
|
51
|
3,613,697
|
12,140
|
692,633,558
|
140
|
7,902,346
|
60-64
|
45.6
|
6.6
|
38.2
|
47
|
1,682,000
|
6,519
|
281,323,070
|
103
|
4,398,730
|
65+
|
29.5
|
7.6
|
26.8
|
15
|
465,000
|
2,286
|
79,345,977
|
51
|
1,736,481
|
Total
|
45.3
|
2.8
|
49.8
|
255
|
19,818,988
|
88,383
|
7,785,642,140
|
562
|
39,822,473
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.4
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
53.1
|
12.5
|
44.6
|
18
|
695,000
|
15,288
|
839,796,878
|
34
|
1,556,753
|
2
|
80.4
|
15.8
|
78.0
|
26
|
1,140,000
|
13,223
|
727,619,242
|
32
|
1,461,309
|
3
|
82.0
|
16.0
|
80.5
|
26
|
1,160,000
|
12,146
|
663,036,845
|
32
|
1,441,292
|
4
|
76.4
|
15.6
|
95.8
|
24
|
1,327,870
|
11,030
|
589,362,955
|
31
|
1,386,678
|
5
|
55.4
|
13.9
|
59.5
|
16
|
730,000
|
9,620
|
494,990,529
|
29
|
1,227,650
|
6
|
102.8
|
20.2
|
98.7
|
26
|
1,055,000
|
7,835
|
391,083,328
|
25
|
1,068,584
|
7+
|
92.1
|
12.9
|
88.4
|
51
|
2,063,000
|
13,774
|
654,474,836
|
55
|
2,333,860
|
Total
|
78.3
|
5.7
|
78.0
|
187
|
8,170,870
|
82,916
|
4,360,364,612
|
239
|
10,476,127
|
By Issue Age
|
20-24
|
67.6
|
27.6
|
37.1
|
6
|
175,000
|
11,021
|
595,264,000
|
9
|
471,542
|
25-29
|
88.8
|
20.4
|
90.7
|
19
|
1,135,000
|
19,029
|
1,139,483,087
|
21
|
1,251,958
|
30-34
|
61.3
|
14.5
|
54.1
|
18
|
932,870
|
17,029
|
1,027,909,824
|
29
|
1,724,914
|
35-39
|
79.4
|
14.3
|
82.7
|
31
|
1,697,000
|
14,251
|
780,400,590
|
39
|
2,051,727
|
40-44
|
74.4
|
12.1
|
70.3
|
38
|
1,515,000
|
11,155
|
482,218,156
|
51
|
2,154,550
|
45-49
|
96.3
|
13.1
|
120.4
|
54
|
2,256,000
|
7,662
|
256,862,382
|
56
|
1,873,318
|
50+
|
63.3
|
13.8
|
48.5
|
21
|
460,000
|
2,769
|
78,226,574
|
33
|
948,117
|
Total
|
78.3
|
5.7
|
78.0
|
187
|
8,170,870
|
82,916
|
4,360,364,612
|
239
|
10,476,127
|
By Attained Age
|
20-24
|
73.0
|
51.6
|
32.8
|
2
|
50,000
|
4,179
|
233,155,056
|
3
|
152,347
|
25-29
|
45.0
|
18.4
|
42.4
|
6
|
330,000
|
14,929
|
878,061,705
|
13
|
778,429
|
30-34
|
104.3
|
20.9
|
105.1
|
25
|
1,482,870
|
18,246
|
1,089,543,411
|
24
|
1,410,876
|
35-39
|
67.4
|
14.7
|
60.5
|
21
|
1,087,000
|
15,557
|
914,019,967
|
31
|
1,797,602
|
40-44
|
65.1
|
12.5
|
59.6
|
27
|
1,195,000
|
12,787
|
632,283,898
|
42
|
2,005,527
|
45-49
|
86.0
|
12.6
|
106.2
|
46
|
2,183,000
|
9,957
|
386,080,790
|
54
|
2,054,806
|
50-54
|
83.9
|
13.3
|
86.4
|
40
|
1,325,000
|
5,534
|
177,949,726
|
48
|
1,534,377
|
55-59
|
94.8
|
22.3
|
87.2
|
18
|
483,000
|
1,425
|
40,604,383
|
19
|
554,044
|
60-64
|
37.4
|
26.4
|
21.8
|
2
|
35,000
|
272
|
7,618,690
|
5
|
160,512
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
30
|
1,046,986
|
1
|
27,607
|
Total
|
78.3
|
5.7
|
78.0
|
187
|
8,170,870
|
82,916
|
4,360,364,612
|
239
|
10,476,127
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.5
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
45.3
|
20.0
|
114.0
|
5
|
876,000
|
2,973
|
247,507,483
|
11
|
768,733
|
2
|
63.0
|
25.5
|
88.6
|
6
|
605,133
|
2,250
|
196,476,520
|
10
|
682,989
|
3
|
68.7
|
28.1
|
30.2
|
6
|
185,000
|
1,661
|
150,552,744
|
9
|
611,936
|
4
|
47.6
|
23.8
|
74.2
|
4
|
420,000
|
1,417
|
126,165,397
|
8
|
565,922
|
5
|
88.7
|
31.3
|
135.5
|
8
|
740,000
|
1,329
|
110,654,501
|
9
|
546,317
|
6
|
85.1
|
31.9
|
102.3
|
7
|
495,000
|
1,127
|
92,611,398
|
8
|
484,104
|
7+
|
68.2
|
18.2
|
68.8
|
14
|
804,515
|
2,337
|
188,113,550
|
21
|
1,169,088
|
Total
|
66.2
|
9.3
|
85.4
|
50
|
4,125,648
|
13,094
|
1,112,081,593
|
76
|
4,829,089
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
874
|
72,393,255
|
1
|
58,738
|
25-29
|
106.2
|
75.1
|
74.7
|
2
|
140,000
|
1,704
|
169,393,583
|
2
|
187,499
|
30-34
|
89.1
|
51.4
|
238.7
|
3
|
800,000
|
2,024
|
200,862,495
|
3
|
335,203
|
35-39
|
73.9
|
37.0
|
74.7
|
4
|
400,000
|
1,969
|
193,163,675
|
5
|
535,604
|
40-44
|
65.3
|
26.4
|
72.7
|
6
|
690,000
|
1,958
|
208,322,075
|
9
|
948,847
|
45-49
|
91.6
|
27.6
|
122.0
|
11
|
1,365,000
|
1,570
|
149,581,813
|
12
|
1,118,645
|
50-54
|
46.6
|
14.0
|
38.7
|
11
|
385,648
|
1,973
|
84,703,503
|
24
|
995,260
|
55-64
|
64.3
|
18.5
|
45.1
|
12
|
285,000
|
1,007
|
33,228,166
|
19
|
632,388
|
65+
|
154.9
|
154.9
|
354.9
|
1
|
60,000
|
16
|
433,027
|
1
|
16,905
|
Total
|
66.2
|
9.3
|
85.4
|
50
|
4,125,648
|
13,094
|
1,112,081,593
|
76
|
4,829,089
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
457
|
30,223,504
|
0
|
19,957
|
25-29
|
82.1
|
82.1
|
77.0
|
1
|
90,000
|
1,336
|
130,416,325
|
1
|
116,827
|
30-34
|
84.5
|
59.8
|
89.0
|
2
|
200,000
|
1,776
|
170,332,362
|
2
|
224,621
|
35-39
|
26.9
|
26.9
|
68.7
|
1
|
250,000
|
1,880
|
187,930,592
|
4
|
364,018
|
40-44
|
99.3
|
40.5
|
157.3
|
6
|
1,050,000
|
1,846
|
203,027,380
|
6
|
667,662
|
45-49
|
71.8
|
26.9
|
112.5
|
7
|
1,155,000
|
1,812
|
188,503,684
|
10
|
1,026,759
|
50-54
|
66.7
|
20.0
|
64.2
|
11
|
711,133
|
1,811
|
122,149,869
|
17
|
1,107,266
|
55-59
|
57.1
|
17.2
|
47.0
|
11
|
384,515
|
1,393
|
57,241,268
|
19
|
817,851
|
60+
|
67.1
|
20.1
|
58.9
|
11
|
285,000
|
783
|
22,256,609
|
17
|
484,128
|
Total
|
66.2
|
9.3
|
85.4
|
50
|
4,125,648
|
13,094
|
1,112,081,593
|
76
|
4,829,089
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.6
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
76.3
|
21.1
|
54.5
|
13
|
475,000
|
8,622
|
517,942,258
|
17
|
871,743
|
2
|
102.7
|
24.9
|
97.4
|
17
|
800,000
|
7,386
|
443,032,593
|
17
|
821,382
|
3
|
91.9
|
23.7
|
93.9
|
15
|
771,000
|
6,737
|
402,563,586
|
16
|
820,935
|
4
|
69.0
|
20.8
|
119.0
|
11
|
920,000
|
5,998
|
350,571,553
|
16
|
773,042
|
5
|
42.0
|
17.1
|
37.5
|
6
|
250,000
|
5,145
|
290,277,409
|
14
|
666,739
|
6
|
79.2
|
25.0
|
86.2
|
10
|
510,000
|
4,144
|
228,184,936
|
13
|
591,696
|
7+
|
83.9
|
17.1
|
88.3
|
24
|
1,200,000
|
7,202
|
382,405,756
|
29
|
1,358,409
|
Total
|
79.1
|
8.1
|
83.4
|
96
|
4,926,000
|
45,234
|
2,614,978,091
|
122
|
5,903,946
|
By Issue Age
|
20-39
|
79.8
|
12.8
|
84.7
|
39
|
2,555,000
|
34,382
|
2,151,475,989
|
49
|
3,015,423
|
40-44
|
89.8
|
18.7
|
83.5
|
23
|
1,010,000
|
5,819
|
279,230,923
|
26
|
1,210,045
|
45-49
|
71.4
|
15.5
|
92.6
|
21
|
1,026,000
|
3,778
|
143,355,909
|
30
|
1,107,766
|
50-54
|
75.7
|
23.9
|
66.3
|
10
|
280,000
|
1,058
|
34,644,471
|
13
|
422,478
|
55+
|
71.3
|
40.5
|
37.1
|
3
|
55,000
|
196
|
6,270,799
|
4
|
148,234
|
Total
|
79.1
|
8.1
|
83.4
|
96
|
4,926,000
|
45,234
|
2,614,978,091
|
122
|
5,903,946
|
By Attained Age
|
20-39
|
81.2
|
15.1
|
87.2
|
29
|
1,995,000
|
29,953
|
1,902,993,199
|
36
|
2,286,647
|
40-44
|
73.7
|
19.0
|
66.0
|
15
|
715,000
|
6,854
|
370,138,666
|
20
|
1,083,455
|
45-49
|
90.0
|
18.3
|
104.7
|
24
|
1,211,000
|
4,992
|
218,598,229
|
27
|
1,156,565
|
50-54
|
72.0
|
17.0
|
78.6
|
18
|
700,000
|
2,650
|
95,438,131
|
25
|
890,218
|
55-59
|
86.1
|
28.5
|
77.6
|
9
|
280,000
|
658
|
22,964,320
|
11
|
360,895
|
60-64
|
34.0
|
34.0
|
22.6
|
1
|
25,000
|
118
|
4,380,560
|
3
|
110,667
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9
|
464,986
|
0
|
15,500
|
Total
|
79.1
|
8.1
|
83.4
|
96
|
4,926,000
|
45,234
|
2,614,978,091
|
122
|
5,903,946
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.7
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
48.3
|
27.4
|
151.2
|
3
|
761,000
|
1,766
|
167,575,570
|
6
|
503,389
|
2
|
35.5
|
25.1
|
67.4
|
2
|
300,000
|
1,345
|
133,073,531
|
6
|
445,160
|
3
|
117.3
|
47.9
|
47.0
|
6
|
185,000
|
990
|
99,929,849
|
5
|
394,011
|
4
|
20.1
|
20.1
|
26.6
|
1
|
100,000
|
862
|
84,964,622
|
5
|
376,298
|
5
|
114.5
|
46.8
|
159.2
|
6
|
575,000
|
788
|
73,023,379
|
5
|
361,206
|
6
|
86.6
|
42.8
|
103.6
|
4
|
335,000
|
659
|
61,695,437
|
5
|
323,226
|
7+
|
78.6
|
26.2
|
95.5
|
9
|
729,515
|
1,336
|
123,401,137
|
11
|
763,755
|
Total
|
71.6
|
12.8
|
94.3
|
31
|
2,985,515
|
7,747
|
743,663,525
|
44
|
3,167,045
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
476
|
42,627,762
|
0
|
31,178
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,036
|
110,613,090
|
1
|
112,030
|
30-34
|
49.7
|
49.7
|
181.3
|
1
|
400,000
|
1,323
|
144,149,128
|
2
|
220,633
|
35-39
|
91.9
|
53.0
|
70.7
|
3
|
250,000
|
1,275
|
135,647,165
|
3
|
353,508
|
40-44
|
66.1
|
33.1
|
87.3
|
4
|
575,000
|
1,288
|
147,160,665
|
6
|
658,841
|
45-49
|
115.3
|
38.4
|
158.2
|
9
|
1,230,000
|
977
|
99,817,844
|
8
|
777,693
|
50-54
|
67.6
|
22.4
|
54.7
|
9
|
335,515
|
977
|
46,212,587
|
13
|
613,475
|
55+
|
53.2
|
23.6
|
48.8
|
5
|
195,000
|
394
|
17,435,283
|
10
|
399,687
|
Total
|
71.6
|
12.8
|
94.3
|
31
|
2,985,515
|
7,747
|
743,663,525
|
44
|
3,167,045
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
243
|
18,066,438
|
0
|
11,352
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
784
|
83,306,528
|
1
|
68,299
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,114
|
116,006,907
|
1
|
140,761
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,240
|
135,843,322
|
2
|
240,673
|
40-44
|
134.9
|
60.3
|
209.0
|
5
|
900,000
|
1,199
|
138,203,035
|
4
|
430,522
|
45-49
|
75.9
|
33.9
|
130.0
|
5
|
950,000
|
1,206
|
134,316,074
|
7
|
730,811
|
50-54
|
89.5
|
29.7
|
91.6
|
9
|
661,000
|
1,024
|
74,525,016
|
10
|
721,629
|
55-59
|
75.9
|
26.8
|
61.0
|
8
|
329,515
|
639
|
32,978,161
|
11
|
540,179
|
60-64
|
52.1
|
29.6
|
57.8
|
3
|
120,000
|
238
|
8,449,926
|
6
|
207,585
|
65+
|
44.1
|
44.1
|
33.2
|
1
|
25,000
|
60
|
1,968,118
|
2
|
75,234
|
Total
|
71.6
|
12.8
|
94.3
|
31
|
2,985,515
|
7,747
|
743,663,525
|
44
|
3,167,045
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.8
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.6
|
13.2
|
32.1
|
5
|
220,000
|
6,666
|
321,854,620
|
17
|
685,010
|
2
|
57.0
|
19.0
|
53.1
|
9
|
340,000
|
5,836
|
284,586,649
|
16
|
639,927
|
3
|
71.6
|
21.5
|
62.7
|
11
|
389,000
|
5,408
|
260,473,259
|
16
|
620,357
|
4
|
84.1
|
23.3
|
66.5
|
13
|
407,870
|
5,032
|
238,791,402
|
15
|
613,636
|
5
|
68.7
|
21.7
|
85.6
|
10
|
480,000
|
4,476
|
204,713,120
|
15
|
560,911
|
6
|
126.3
|
31.6
|
114.3
|
16
|
545,000
|
3,691
|
162,898,392
|
13
|
476,888
|
7+
|
100.8
|
19.4
|
88.5
|
27
|
863,000
|
6,572
|
272,069,081
|
27
|
975,451
|
Total
|
77.4
|
8.1
|
71.0
|
91
|
3,244,870
|
37,681
|
1,745,386,521
|
118
|
4,572,181
|
By Issue Age
|
20-24
|
132.2
|
54.0
|
77.8
|
6
|
175,000
|
5,052
|
253,451,965
|
5
|
224,942
|
25-29
|
66.2
|
25.0
|
61.4
|
7
|
350,000
|
8,127
|
447,052,416
|
11
|
570,447
|
30-34
|
61.4
|
20.5
|
37.3
|
9
|
282,870
|
7,296
|
381,344,259
|
15
|
758,088
|
35-39
|
65.0
|
18.0
|
62.0
|
13
|
577,000
|
6,472
|
309,732,871
|
20
|
931,240
|
40-44
|
59.0
|
15.2
|
53.5
|
15
|
505,000
|
5,335
|
202,987,233
|
25
|
944,505
|
45-49
|
124.0
|
21.6
|
160.7
|
33
|
1,230,000
|
3,884
|
113,506,473
|
27
|
765,553
|
50+
|
50.7
|
17.9
|
33.1
|
8
|
125,000
|
1,514
|
37,311,304
|
16
|
377,405
|
Total
|
77.4
|
8.1
|
71.0
|
91
|
3,244,870
|
37,681
|
1,745,386,521
|
118
|
4,572,181
|
By Attained Age
|
20-24
|
151.5
|
107.1
|
73.6
|
2
|
50,000
|
1,875
|
96,592,977
|
1
|
67,951
|
25-29
|
30.0
|
21.2
|
13.8
|
2
|
50,000
|
6,579
|
358,881,578
|
7
|
363,110
|
30-34
|
92.2
|
27.8
|
79.7
|
11
|
502,870
|
7,817
|
416,312,118
|
12
|
631,031
|
35-39
|
64.1
|
20.3
|
44.5
|
10
|
352,000
|
6,686
|
340,000,266
|
16
|
790,516
|
40-44
|
56.7
|
16.4
|
52.1
|
12
|
480,000
|
5,933
|
262,145,232
|
21
|
922,072
|
45-49
|
81.9
|
17.4
|
108.2
|
22
|
972,000
|
4,965
|
167,482,562
|
27
|
898,241
|
50-54
|
97.1
|
20.7
|
97.0
|
22
|
625,000
|
2,884
|
82,511,595
|
23
|
644,159
|
55-59
|
105.5
|
35.2
|
105.1
|
9
|
203,000
|
766
|
17,640,062
|
9
|
193,149
|
60-64
|
41.5
|
41.5
|
20.1
|
1
|
10,000
|
155
|
3,238,130
|
2
|
49,845
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
21
|
582,000
|
0
|
12,107
|
Total
|
77.4
|
8.1
|
71.0
|
91
|
3,244,870
|
37,681
|
1,745,386,521
|
118
|
4,572,181
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.9
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
41.3
|
29.2
|
43.3
|
2
|
115,000
|
1,207
|
79,931,913
|
5
|
265,344
|
2
|
101.1
|
50.0
|
128.3
|
4
|
305,133
|
905
|
63,402,989
|
4
|
237,829
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
671
|
50,622,895
|
4
|
217,925
|
4
|
87.4
|
50.5
|
168.8
|
3
|
320,000
|
555
|
41,200,774
|
3
|
189,624
|
5
|
52.8
|
37.4
|
89.1
|
2
|
165,000
|
540
|
37,631,122
|
4
|
185,111
|
6
|
83.0
|
47.9
|
99.5
|
3
|
160,000
|
468
|
30,915,961
|
4
|
160,878
|
7+
|
55.1
|
24.7
|
18.5
|
5
|
75,000
|
1,001
|
64,712,413
|
9
|
405,333
|
Total
|
58.9
|
13.5
|
68.6
|
19
|
1,140,133
|
5,347
|
368,418,068
|
32
|
1,662,044
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
397
|
29,765,493
|
0
|
27,559
|
25-29
|
238.8
|
168.8
|
185.5
|
2
|
140,000
|
668
|
58,780,493
|
1
|
75,469
|
30-34
|
147.7
|
104.4
|
349.1
|
2
|
400,000
|
701
|
56,713,367
|
1
|
114,570
|
35-39
|
46.6
|
46.6
|
82.4
|
1
|
150,000
|
693
|
57,516,510
|
2
|
182,096
|
40-44
|
63.8
|
44.0
|
39.7
|
2
|
115,000
|
670
|
61,161,410
|
3
|
290,006
|
45-49
|
47.6
|
33.6
|
39.6
|
2
|
135,000
|
593
|
49,763,969
|
4
|
340,952
|
50-54
|
19.3
|
13.7
|
13.1
|
2
|
50,133
|
996
|
38,490,917
|
10
|
381,785
|
55+
|
81.0
|
28.6
|
60.1
|
8
|
150,000
|
629
|
16,225,909
|
10
|
249,606
|
Total
|
58.9
|
13.5
|
68.6
|
19
|
1,140,133
|
5,347
|
368,418,068
|
32
|
1,662,044
|
By Attained Age
|
20-29
|
139.5
|
139.5
|
157.5
|
1
|
90,000
|
766
|
59,266,863
|
1
|
57,134
|
30-34
|
195.4
|
138.2
|
238.5
|
2
|
200,000
|
662
|
54,325,456
|
1
|
83,860
|
35-39
|
66.3
|
66.3
|
202.7
|
1
|
250,000
|
640
|
52,087,270
|
2
|
123,345
|
40-44
|
42.8
|
42.8
|
63.3
|
1
|
150,000
|
647
|
64,824,345
|
2
|
237,140
|
45-49
|
63.5
|
43.8
|
69.3
|
2
|
205,000
|
607
|
54,187,609
|
3
|
295,948
|
50-54
|
30.9
|
21.8
|
13.0
|
2
|
50,133
|
788
|
47,624,853
|
6
|
385,637
|
55+
|
58.7
|
18.6
|
40.7
|
10
|
195,000
|
1,238
|
36,101,673
|
17
|
478,980
|
Total
|
58.9
|
13.5
|
68.6
|
19
|
1,140,133
|
5,347
|
368,418,068
|
32
|
1,662,044
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.10
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.2
|
3.1
|
26.5
|
60
|
4,047,500
|
96,756
|
6,819,555,886
|
250
|
15,284,919
|
2
|
51.3
|
4.6
|
59.9
|
125
|
9,022,220
|
87,371
|
6,208,810,765
|
244
|
15,072,248
|
3
|
53.9
|
4.7
|
52.0
|
134
|
7,975,081
|
81,417
|
5,775,478,308
|
248
|
15,336,428
|
4
|
59.3
|
4.9
|
59.1
|
147
|
8,948,098
|
75,184
|
5,246,436,396
|
248
|
15,140,714
|
5
|
51.7
|
4.7
|
51.4
|
121
|
7,089,249
|
67,056
|
4,548,273,096
|
234
|
13,804,414
|
6
|
58.3
|
5.3
|
62.6
|
121
|
7,473,500
|
55,119
|
3,626,368,141
|
208
|
11,935,127
|
7+
|
57.9
|
3.5
|
60.9
|
278
|
16,687,587
|
101,113
|
6,489,510,664
|
480
|
27,382,227
|
Total
|
51.6
|
1.6
|
53.7
|
987
|
61,243,235
|
564,017
|
38,714,433,257
|
1,912
|
113,956,078
|
By Issue Age
|
20-24
|
58.6
|
11.7
|
63.2
|
25
|
1,832,500
|
51,804
|
3,557,253,260
|
43
|
2,900,069
|
25-29
|
58.2
|
6.8
|
52.2
|
74
|
4,889,027
|
106,693
|
7,931,237,884
|
127
|
9,367,716
|
30-34
|
49.5
|
4.7
|
52.3
|
109
|
8,775,900
|
122,612
|
9,451,854,178
|
221
|
16,794,129
|
35-39
|
51.9
|
4.1
|
54.1
|
157
|
11,943,773
|
108,106
|
8,090,277,482
|
303
|
22,083,647
|
40-44
|
51.8
|
3.6
|
52.2
|
206
|
12,608,072
|
85,868
|
5,368,243,233
|
397
|
24,148,893
|
45-49
|
50.0
|
3.3
|
52.7
|
229
|
12,203,613
|
60,946
|
3,118,978,833
|
457
|
23,177,891
|
50-54
|
56.1
|
4.9
|
64.1
|
130
|
6,791,000
|
20,643
|
939,241,761
|
231
|
10,588,052
|
55-64
|
44.1
|
5.8
|
47.3
|
57
|
2,199,350
|
7,256
|
251,585,236
|
130
|
4,649,869
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
89
|
5,761,389
|
3
|
245,812
|
Total
|
51.6
|
1.6
|
53.7
|
987
|
61,243,235
|
564,017
|
38,714,433,257
|
1,912
|
113,956,078
|
By Attained Age
|
20-24
|
69.9
|
23.3
|
67.5
|
9
|
610,000
|
19,379
|
1,360,331,145
|
13
|
903,586
|
25-29
|
65.3
|
9.7
|
62.5
|
45
|
3,119,027
|
74,374
|
5,408,340,071
|
69
|
4,987,891
|
30-34
|
47.1
|
5.5
|
43.0
|
73
|
5,017,500
|
112,919
|
8,549,327,686
|
155
|
11,679,580
|
35-39
|
51.5
|
4.6
|
58.2
|
126
|
10,888,673
|
118,619
|
9,132,654,724
|
245
|
18,697,953
|
40-44
|
48.5
|
3.9
|
48.7
|
153
|
10,621,331
|
96,440
|
6,783,192,290
|
316
|
21,819,875
|
45-49
|
46.8
|
3.4
|
50.1
|
194
|
11,811,241
|
76,403
|
4,393,315,877
|
414
|
23,572,195
|
50-54
|
56.3
|
3.8
|
57.3
|
220
|
11,007,768
|
45,429
|
2,230,530,471
|
391
|
19,208,234
|
55-59
|
59.1
|
5.3
|
68.4
|
124
|
6,344,095
|
15,695
|
682,192,333
|
211
|
9,276,732
|
60-64
|
40.3
|
7.0
|
47.5
|
33
|
1,413,600
|
4,182
|
149,410,978
|
82
|
2,977,259
|
65+
|
54.2
|
18.1
|
49.2
|
9
|
410,000
|
576
|
25,137,682
|
17
|
832,772
|
Total
|
51.6
|
1.6
|
53.7
|
987
|
61,243,235
|
564,017
|
38,714,433,257
|
1,912
|
113,956,078
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.11
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.2
|
3.8
|
22.0
|
37
|
3,217,100
|
34,672
|
3,732,820,053
|
161
|
14,645,233
|
2
|
37.3
|
5.1
|
38.2
|
53
|
5,126,500
|
27,221
|
3,061,290,683
|
143
|
13,417,536
|
3
|
39.8
|
5.5
|
50.7
|
52
|
6,537,344
|
21,902
|
2,602,656,224
|
132
|
12,903,616
|
4
|
50.7
|
6.4
|
55.7
|
63
|
6,405,000
|
18,760
|
2,180,104,597
|
125
|
11,502,076
|
5
|
48.0
|
6.1
|
47.1
|
61
|
5,222,500
|
17,403
|
1,935,423,862
|
127
|
11,077,466
|
6
|
37.1
|
5.5
|
37.4
|
46
|
3,856,491
|
15,272
|
1,641,941,453
|
124
|
10,323,021
|
7+
|
50.7
|
3.7
|
59.2
|
183
|
16,757,875
|
35,233
|
3,509,964,817
|
361
|
28,328,966
|
Total
|
42.4
|
1.9
|
46.1
|
497
|
47,122,810
|
170,463
|
18,664,201,689
|
1,173
|
102,197,916
|
By Issue Age
|
20-24
|
74.6
|
37.3
|
52.1
|
4
|
310,000
|
6,724
|
742,530,531
|
5
|
594,632
|
25-29
|
41.9
|
14.8
|
49.6
|
8
|
1,050,000
|
16,513
|
1,826,653,669
|
19
|
2,116,691
|
30-34
|
51.3
|
11.2
|
64.0
|
21
|
3,300,000
|
23,082
|
2,936,599,393
|
41
|
5,152,897
|
35-39
|
56.9
|
8.8
|
59.2
|
42
|
5,705,000
|
25,718
|
3,399,144,394
|
74
|
9,632,633
|
40-44
|
49.6
|
6.1
|
45.4
|
67
|
8,223,822
|
28,106
|
3,860,317,919
|
135
|
18,124,461
|
45-49
|
40.6
|
4.5
|
41.8
|
82
|
9,574,658
|
25,635
|
2,968,779,239
|
203
|
22,881,519
|
50-54
|
41.6
|
3.5
|
38.5
|
140
|
9,423,330
|
26,813
|
1,970,338,106
|
337
|
24,471,768
|
55-59
|
40.0
|
4.1
|
45.8
|
95
|
6,367,500
|
13,194
|
758,076,793
|
238
|
13,908,250
|
60-64
|
32.3
|
5.7
|
65.8
|
32
|
2,995,000
|
4,051
|
178,750,087
|
99
|
4,549,861
|
65+
|
20.5
|
10.1
|
22.7
|
4
|
173,500
|
627
|
23,011,558
|
20
|
765,204
|
Total
|
42.4
|
1.9
|
46.1
|
497
|
47,122,810
|
170,463
|
18,664,201,689
|
1,173
|
102,197,916
|
By Attained Age
|
20-24
|
43.9
|
43.9
|
42.3
|
1
|
100,000
|
3,356
|
349,364,076
|
2
|
236,396
|
25-29
|
54.5
|
22.2
|
74.8
|
6
|
860,000
|
11,648
|
1,234,322,701
|
11
|
1,149,431
|
30-34
|
64.4
|
15.6
|
56.9
|
17
|
1,775,000
|
19,080
|
2,298,797,414
|
26
|
3,120,020
|
35-39
|
23.6
|
7.1
|
40.7
|
11
|
2,400,000
|
22,477
|
2,912,996,140
|
47
|
5,898,716
|
40-44
|
55.6
|
8.1
|
45.3
|
47
|
5,384,354
|
25,565
|
3,609,531,335
|
85
|
11,890,304
|
45-49
|
47.9
|
5.8
|
49.9
|
69
|
9,531,590
|
26,352
|
3,490,987,835
|
145
|
19,084,685
|
50-54
|
41.9
|
4.2
|
38.3
|
97
|
8,795,036
|
25,715
|
2,540,428,003
|
232
|
22,981,639
|
55-59
|
38.2
|
3.6
|
42.6
|
116
|
9,004,830
|
21,652
|
1,484,748,784
|
302
|
21,147,888
|
60-64
|
42.1
|
4.4
|
56.2
|
92
|
6,852,500
|
10,931
|
587,612,155
|
219
|
12,196,547
|
65+
|
38.8
|
6.1
|
53.9
|
40
|
2,419,500
|
3,687
|
155,413,245
|
103
|
4,492,290
|
Total
|
42.4
|
1.9
|
46.1
|
497
|
47,122,810
|
170,463
|
18,664,201,689
|
1,173
|
102,197,916
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.12
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.0
|
4.7
|
23.6
|
24
|
1,625,000
|
42,623
|
3,248,049,971
|
105
|
6,884,914
|
2
|
41.8
|
6.3
|
47.1
|
44
|
3,301,750
|
39,141
|
2,998,107,508
|
106
|
7,008,961
|
3
|
59.0
|
7.3
|
56.6
|
65
|
4,162,481
|
36,992
|
2,820,518,111
|
111
|
7,352,251
|
4
|
52.8
|
6.9
|
52.0
|
59
|
3,798,608
|
34,304
|
2,562,337,137
|
112
|
7,304,990
|
5
|
53.7
|
7.1
|
52.7
|
57
|
3,507,500
|
30,598
|
2,213,241,343
|
106
|
6,651,378
|
6
|
44.5
|
6.9
|
55.1
|
42
|
3,164,000
|
25,066
|
1,758,592,094
|
94
|
5,743,393
|
7+
|
52.3
|
4.8
|
54.7
|
119
|
7,574,064
|
46,283
|
3,185,435,338
|
228
|
13,851,698
|
Total
|
47.7
|
2.4
|
49.5
|
411
|
27,133,403
|
255,006
|
18,786,281,503
|
862
|
54,797,584
|
By Issue Age
|
20-24
|
59.9
|
18.9
|
66.4
|
10
|
795,000
|
23,008
|
1,653,045,458
|
17
|
1,197,425
|
25-29
|
68.5
|
11.9
|
61.4
|
33
|
2,287,500
|
47,091
|
3,659,228,219
|
48
|
3,723,093
|
30-34
|
36.6
|
6.5
|
51.9
|
32
|
3,702,500
|
56,634
|
4,633,878,559
|
88
|
7,138,493
|
35-39
|
47.5
|
6.2
|
47.4
|
59
|
4,689,773
|
49,821
|
4,039,708,240
|
124
|
9,891,222
|
40-44
|
42.5
|
4.9
|
38.5
|
75
|
4,554,219
|
39,197
|
2,692,403,858
|
178
|
11,826,886
|
45-49
|
49.8
|
4.8
|
53.5
|
109
|
6,465,300
|
27,248
|
1,523,592,026
|
220
|
12,073,766
|
50-54
|
59.7
|
7.1
|
62.5
|
70
|
3,717,861
|
8,980
|
457,341,057
|
118
|
5,948,536
|
55-59
|
31.3
|
7.4
|
26.7
|
18
|
611,250
|
2,655
|
107,561,923
|
58
|
2,289,802
|
60-64
|
39.4
|
19.7
|
62.5
|
4
|
310,000
|
328
|
15,068,216
|
10
|
496,324
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
45
|
4,453,945
|
2
|
212,038
|
Total
|
47.7
|
2.4
|
49.5
|
411
|
27,133,403
|
255,006
|
18,786,281,503
|
862
|
54,797,584
|
By Attained Age
|
20-24
|
54.9
|
31.7
|
65.0
|
3
|
260,000
|
8,855
|
644,869,018
|
5
|
399,991
|
25-29
|
69.5
|
16.4
|
62.8
|
18
|
1,250,000
|
32,284
|
2,471,767,502
|
26
|
1,989,021
|
30-34
|
54.0
|
9.5
|
52.4
|
32
|
2,482,500
|
50,611
|
4,036,295,127
|
59
|
4,740,026
|
35-39
|
43.6
|
6.7
|
57.1
|
42
|
4,552,273
|
54,985
|
4,524,650,017
|
97
|
7,976,827
|
40-44
|
37.6
|
5.3
|
37.1
|
50
|
3,735,000
|
44,796
|
3,428,316,986
|
133
|
10,056,936
|
45-49
|
40.9
|
4.7
|
41.5
|
76
|
4,817,719
|
34,511
|
2,169,163,764
|
187
|
11,605,007
|
50-54
|
56.5
|
5.4
|
59.5
|
109
|
6,123,816
|
20,260
|
1,092,494,818
|
192
|
10,284,328
|
55-59
|
55.4
|
7.1
|
56.6
|
61
|
3,057,095
|
6,759
|
334,384,108
|
110
|
5,405,443
|
60-64
|
35.0
|
9.0
|
34.4
|
15
|
595,000
|
1,695
|
69,255,998
|
43
|
1,728,475
|
65+
|
52.5
|
23.5
|
42.5
|
5
|
260,000
|
251
|
15,084,165
|
10
|
611,531
|
Total
|
47.7
|
2.4
|
49.5
|
411
|
27,133,403
|
255,006
|
18,786,281,503
|
862
|
54,797,584
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.13
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.2
|
4.8
|
18.5
|
16
|
1,658,500
|
17,218
|
2,238,673,397
|
84
|
8,958,874
|
2
|
33.2
|
6.6
|
37.3
|
25
|
3,111,500
|
13,818
|
1,852,682,865
|
76
|
8,351,373
|
3
|
33.9
|
6.9
|
44.0
|
24
|
3,591,854
|
11,406
|
1,598,559,822
|
72
|
8,164,155
|
4
|
50.0
|
8.5
|
47.5
|
34
|
3,440,000
|
9,887
|
1,337,462,204
|
68
|
7,246,242
|
5
|
47.2
|
8.2
|
45.8
|
33
|
3,168,500
|
9,063
|
1,165,715,025
|
70
|
6,923,763
|
6
|
29.1
|
6.5
|
25.5
|
20
|
1,647,000
|
7,903
|
980,798,050
|
69
|
6,469,437
|
7+
|
53.0
|
5.1
|
66.0
|
108
|
11,826,601
|
18,132
|
2,073,086,254
|
204
|
17,923,644
|
Total
|
40.6
|
2.5
|
44.4
|
261
|
28,443,955
|
87,427
|
11,246,977,617
|
643
|
64,037,487
|
By Issue Age
|
20-24
|
43.2
|
43.2
|
36.3
|
1
|
100,000
|
3,185
|
377,835,107
|
2
|
275,742
|
25-29
|
74.8
|
30.5
|
88.4
|
6
|
900,000
|
7,840
|
984,002,378
|
8
|
1,018,353
|
30-34
|
63.5
|
18.3
|
85.2
|
12
|
2,400,000
|
12,027
|
1,787,075,557
|
19
|
2,816,016
|
35-39
|
51.1
|
11.7
|
59.5
|
19
|
3,330,000
|
13,962
|
2,127,276,202
|
37
|
5,594,759
|
40-44
|
42.5
|
7.5
|
41.2
|
32
|
4,768,822
|
15,866
|
2,503,195,569
|
76
|
11,583,318
|
45-49
|
29.2
|
5.0
|
27.0
|
34
|
4,029,000
|
13,909
|
1,850,797,084
|
117
|
14,897,955
|
50-54
|
44.3
|
4.8
|
37.8
|
84
|
5,873,133
|
12,898
|
1,101,916,309
|
190
|
15,543,814
|
55-59
|
37.9
|
5.3
|
47.8
|
50
|
4,294,500
|
5,907
|
411,919,011
|
133
|
8,980,731
|
60-64
|
41.8
|
9.1
|
93.0
|
21
|
2,645,000
|
1,579
|
90,951,542
|
50
|
2,842,901
|
65+
|
10.6
|
10.1
|
21.4
|
1
|
103,500
|
253
|
12,008,858
|
10
|
483,899
|
Total
|
40.6
|
2.5
|
44.4
|
261
|
28,443,955
|
87,427
|
11,246,977,617
|
643
|
64,037,487
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,549
|
174,346,074
|
1
|
111,415
|
25-29
|
90.6
|
45.3
|
142.0
|
4
|
750,000
|
5,316
|
636,065,778
|
4
|
528,001
|
30-34
|
69.6
|
24.6
|
59.7
|
8
|
975,000
|
9,535
|
1,345,988,705
|
11
|
1,632,177
|
35-39
|
23.3
|
10.4
|
49.7
|
5
|
1,625,000
|
11,914
|
1,803,316,518
|
21
|
3,266,929
|
40-44
|
52.3
|
10.9
|
46.0
|
23
|
3,284,354
|
14,319
|
2,297,576,258
|
44
|
7,132,408
|
45-49
|
33.0
|
6.3
|
34.3
|
27
|
4,261,000
|
14,998
|
2,268,307,555
|
82
|
12,411,248
|
50-54
|
37.7
|
5.4
|
33.0
|
49
|
4,837,468
|
13,233
|
1,510,803,476
|
131
|
14,677,160
|
55-59
|
39.4
|
4.8
|
40.3
|
68
|
5,446,133
|
10,265
|
816,378,333
|
171
|
13,523,214
|
60-64
|
42.1
|
5.9
|
66.0
|
51
|
5,250,500
|
4,783
|
315,856,213
|
121
|
7,950,095
|
65+
|
47.4
|
9.3
|
71.8
|
26
|
2,014,500
|
1,515
|
78,338,707
|
55
|
2,804,841
|
Total
|
40.6
|
2.5
|
44.4
|
261
|
28,443,955
|
87,427
|
11,246,977,617
|
643
|
64,037,487
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.14
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.1
|
4.2
|
28.8
|
36
|
2,422,500
|
54,133
|
3,571,505,915
|
145
|
8,400,005
|
2
|
58.6
|
6.5
|
70.9
|
81
|
5,720,470
|
48,230
|
3,210,703,257
|
138
|
8,063,287
|
3
|
49.7
|
6.0
|
47.8
|
68
|
3,812,600
|
44,426
|
2,954,960,197
|
137
|
7,984,177
|
4
|
64.6
|
6.9
|
65.7
|
88
|
5,149,490
|
40,881
|
2,684,099,258
|
136
|
7,835,725
|
5
|
50.1
|
6.3
|
50.1
|
64
|
3,581,749
|
36,458
|
2,335,031,753
|
128
|
7,153,036
|
6
|
69.8
|
7.8
|
69.6
|
79
|
4,309,500
|
30,053
|
1,867,776,048
|
113
|
6,191,734
|
7+
|
62.8
|
5.0
|
67.4
|
158
|
9,113,523
|
54,830
|
3,304,075,326
|
252
|
13,530,529
|
Total
|
54.8
|
2.3
|
57.7
|
575
|
34,109,832
|
309,010
|
19,928,151,754
|
1,050
|
59,158,493
|
By Issue Age
|
20-24
|
57.7
|
14.9
|
60.9
|
15
|
1,037,500
|
28,796
|
1,904,207,802
|
26
|
1,702,644
|
25-29
|
51.9
|
8.1
|
46.1
|
41
|
2,601,527
|
59,601
|
4,272,009,665
|
79
|
5,644,623
|
30-34
|
58.0
|
6.6
|
52.5
|
77
|
5,073,400
|
65,979
|
4,817,975,619
|
133
|
9,655,636
|
35-39
|
55.0
|
5.6
|
59.5
|
98
|
7,254,000
|
58,285
|
4,050,569,241
|
178
|
12,192,425
|
40-44
|
59.3
|
5.2
|
65.4
|
130
|
8,053,853
|
46,671
|
2,675,839,375
|
220
|
12,322,007
|
45-49
|
50.3
|
4.6
|
51.7
|
119
|
5,738,313
|
33,698
|
1,595,386,807
|
237
|
11,104,125
|
50+
|
53.6
|
5.5
|
66.6
|
95
|
4,351,239
|
15,981
|
612,163,245
|
177
|
6,537,034
|
Total
|
54.8
|
2.3
|
57.7
|
575
|
34,109,832
|
309,010
|
19,928,151,754
|
1,050
|
59,158,493
|
By Attained Age
|
20-24
|
81.0
|
33.1
|
69.5
|
6
|
350,000
|
10,525
|
715,462,127
|
7
|
503,595
|
25-29
|
62.8
|
12.1
|
62.3
|
27
|
1,869,027
|
42,090
|
2,936,572,569
|
43
|
2,998,870
|
30-34
|
42.8
|
6.7
|
36.5
|
41
|
2,535,000
|
62,309
|
4,513,032,559
|
96
|
6,939,554
|
35-39
|
56.7
|
6.2
|
59.1
|
84
|
6,336,400
|
63,634
|
4,608,004,707
|
148
|
10,721,126
|
40-44
|
56.4
|
5.6
|
58.5
|
103
|
6,886,331
|
51,644
|
3,354,875,304
|
183
|
11,762,939
|
45-49
|
51.6
|
4.8
|
58.4
|
117
|
6,993,522
|
41,891
|
2,224,152,113
|
227
|
11,967,188
|
50-54
|
56.1
|
5.3
|
54.7
|
111
|
4,883,952
|
25,168
|
1,138,035,653
|
198
|
8,923,906
|
55-59
|
63.0
|
7.9
|
84.9
|
63
|
3,287,000
|
8,937
|
347,808,225
|
101
|
3,871,289
|
60-64
|
46.1
|
10.8
|
65.6
|
18
|
818,600
|
2,487
|
80,154,979
|
39
|
1,248,785
|
65+
|
56.3
|
28.2
|
67.8
|
4
|
150,000
|
325
|
10,053,517
|
7
|
221,242
|
Total
|
54.8
|
2.3
|
57.7
|
575
|
34,109,832
|
309,010
|
19,928,151,754
|
1,050
|
59,158,493
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 10.15
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
6.0
|
27.4
|
21
|
1,558,600
|
17,454
|
1,494,146,656
|
77
|
5,686,360
|
2
|
42.1
|
7.9
|
39.8
|
28
|
2,015,000
|
13,403
|
1,208,607,818
|
67
|
5,066,164
|
3
|
46.9
|
8.8
|
62.1
|
28
|
2,945,490
|
10,496
|
1,004,096,402
|
60
|
4,739,461
|
4
|
51.6
|
9.6
|
69.7
|
29
|
2,965,000
|
8,873
|
842,642,393
|
56
|
4,255,835
|
5
|
49.0
|
9.3
|
49.4
|
28
|
2,054,000
|
8,340
|
769,708,837
|
57
|
4,153,704
|
6
|
47.1
|
9.2
|
57.3
|
26
|
2,209,491
|
7,369
|
661,143,402
|
55
|
3,853,584
|
7+
|
47.8
|
5.5
|
47.4
|
75
|
4,931,274
|
17,100
|
1,436,878,562
|
157
|
10,405,321
|
Total
|
44.5
|
2.9
|
48.9
|
236
|
18,678,855
|
83,036
|
7,417,224,071
|
529
|
38,160,429
|
By Issue Age
|
20-29
|
35.3
|
15.8
|
25.4
|
5
|
360,000
|
12,211
|
1,207,346,714
|
14
|
1,417,228
|
30-34
|
40.8
|
13.6
|
38.5
|
9
|
900,000
|
11,055
|
1,149,523,836
|
22
|
2,336,881
|
35-39
|
62.8
|
13.1
|
58.8
|
23
|
2,375,000
|
11,756
|
1,271,868,193
|
37
|
4,037,874
|
40-44
|
58.6
|
9.9
|
52.8
|
35
|
3,455,000
|
12,240
|
1,357,122,350
|
60
|
6,541,143
|
45-49
|
56.2
|
8.1
|
69.5
|
48
|
5,545,658
|
11,726
|
1,117,982,155
|
86
|
7,983,565
|
50-54
|
38.2
|
5.1
|
39.8
|
56
|
3,550,197
|
13,915
|
868,421,797
|
147
|
8,927,953
|
55-59
|
42.7
|
6.4
|
42.1
|
45
|
2,073,000
|
7,287
|
346,157,782
|
106
|
4,927,518
|
60-64
|
22.6
|
6.8
|
20.5
|
11
|
350,000
|
2,472
|
87,798,545
|
49
|
1,706,960
|
65+
|
31.2
|
18.0
|
24.9
|
3
|
70,000
|
374
|
11,002,700
|
10
|
281,305
|
Total
|
44.5
|
2.9
|
48.9
|
236
|
18,678,855
|
83,036
|
7,417,224,071
|
529
|
38,160,429
|
By Attained Age
|
20-24
|
77.4
|
77.4
|
80.0
|
1
|
100,000
|
1,807
|
175,018,003
|
1
|
124,981
|
25-34
|
36.5
|
8.9
|
35.5
|
17
|
1,685,000
|
26,439
|
2,660,745,255
|
47
|
4,741,060
|
40-44
|
59.2
|
12.0
|
44.1
|
24
|
2,100,000
|
11,247
|
1,311,955,076
|
41
|
4,757,896
|
45-49
|
67.7
|
10.4
|
79.0
|
42
|
5,270,590
|
11,354
|
1,222,680,280
|
62
|
6,673,437
|
50-54
|
47.3
|
6.8
|
47.7
|
48
|
3,957,568
|
12,482
|
1,029,624,527
|
102
|
8,304,479
|
55-59
|
36.7
|
5.3
|
46.7
|
48
|
3,558,697
|
11,387
|
668,370,451
|
131
|
7,624,674
|
60-64
|
42.2
|
6.6
|
37.7
|
41
|
1,602,000
|
6,148
|
271,755,942
|
97
|
4,246,453
|
65+
|
29.0
|
7.7
|
24.0
|
14
|
405,000
|
2,173
|
77,074,538
|
48
|
1,687,449
|
Total
|
44.5
|
2.9
|
48.9
|
236
|
18,678,855
|
83,036
|
7,417,224,071
|
529
|
38,160,429
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 11.1
EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
60.6
|
12.6
|
64.3
|
23
|
2,550,000
|
3,856
|
398,785,045
|
38
|
3,965,816
|
1997
|
79.7
|
9.9
|
79.5
|
65
|
6,115,000
|
7,638
|
753,068,409
|
82
|
7,694,946
|
1998
|
71.3
|
7.8
|
70.5
|
84
|
7,785,968
|
12,139
|
1,192,520,303
|
118
|
11,049,122
|
1999
|
56.1
|
5.3
|
59.2
|
112
|
10,034,792
|
22,922
|
2,078,221,987
|
199
|
16,958,329
|
2000
|
56.0
|
4.2
|
51.6
|
180
|
13,685,471
|
41,234
|
3,628,230,423
|
322
|
26,536,000
|
2001
|
59.0
|
2.9
|
61.4
|
401
|
34,054,318
|
99,565
|
8,695,719,038
|
679
|
55,477,128
|
2002
|
55.7
|
2.6
|
56.6
|
465
|
38,052,294
|
135,750
|
11,555,117,037
|
836
|
67,216,254
|
2003
|
55.1
|
2.3
|
55.9
|
554
|
45,906,545
|
178,501
|
15,535,424,637
|
1,005
|
82,147,920
|
2004
|
57.4
|
2.4
|
60.1
|
568
|
49,504,340
|
197,702
|
17,397,865,438
|
990
|
82,360,140
|
2005
|
54.0
|
2.6
|
59.6
|
438
|
40,642,051
|
183,542
|
16,419,045,275
|
811
|
68,204,234
|
2006
|
46.4
|
2.5
|
48.6
|
342
|
29,207,125
|
188,509
|
16,558,034,004
|
736
|
60,056,764
|
2007
|
44.2
|
2.9
|
43.9
|
234
|
19,813,858
|
143,271
|
13,056,237,986
|
530
|
45,129,761
|
2008
|
42.9
|
3.2
|
38.1
|
176
|
13,084,639
|
121,574
|
10,713,326,523
|
409
|
34,382,957
|
2009
|
30.0
|
3.3
|
34.2
|
84
|
7,894,064
|
86,684
|
7,447,303,273
|
278
|
23,054,595
|
2010
|
22.2
|
3.9
|
24.3
|
32
|
2,871,000
|
46,405
|
3,970,904,778
|
144
|
11,792,880
|
Total
|
52.4
|
0.9
|
53.9
|
3,758
|
321,201,465
|
1,469,292
|
129,399,804,159
|
7,177
|
596,026,846
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 11.2
MALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
61.4
|
16.4
|
57.9
|
14
|
1,525,000
|
1,972
|
229,017,302
|
23
|
2,632,826
|
1997
|
89.6
|
13.4
|
87.9
|
45
|
4,575,000
|
4,095
|
450,022,125
|
50
|
5,205,790
|
1998
|
65.9
|
9.5
|
69.1
|
48
|
5,185,968
|
6,447
|
705,104,928
|
73
|
7,500,704
|
1999
|
53.7
|
6.8
|
52.4
|
62
|
5,658,000
|
11,705
|
1,172,985,506
|
115
|
10,806,308
|
2000
|
56.2
|
5.6
|
48.6
|
101
|
7,925,171
|
20,577
|
2,001,507,035
|
180
|
16,303,462
|
2001
|
55.3
|
3.9
|
61.1
|
200
|
20,571,978
|
48,540
|
4,813,494,864
|
362
|
33,680,291
|
2002
|
54.4
|
3.5
|
53.7
|
243
|
21,716,875
|
66,393
|
6,356,758,066
|
447
|
40,407,852
|
2003
|
49.5
|
3.1
|
49.3
|
259
|
24,017,137
|
86,301
|
8,542,355,689
|
524
|
48,680,670
|
2004
|
51.5
|
3.2
|
54.7
|
261
|
26,277,372
|
95,281
|
9,403,983,776
|
506
|
47,995,907
|
2005
|
52.0
|
3.5
|
58.1
|
217
|
23,104,660
|
90,005
|
8,994,715,872
|
417
|
39,740,467
|
2006
|
47.2
|
3.6
|
41.5
|
174
|
14,121,603
|
92,313
|
9,025,162,811
|
368
|
34,025,363
|
2007
|
39.7
|
3.9
|
38.4
|
104
|
9,837,858
|
69,408
|
7,213,938,758
|
262
|
25,638,250
|
2008
|
40.3
|
4.5
|
35.6
|
79
|
6,879,000
|
57,635
|
5,817,775,769
|
197
|
19,323,074
|
2009
|
25.3
|
4.4
|
35.3
|
33
|
4,512,500
|
40,531
|
3,977,926,562
|
131
|
12,766,584
|
2010
|
22.3
|
5.8
|
25.1
|
15
|
1,631,000
|
21,603
|
2,148,037,289
|
67
|
6,499,032
|
Total
|
49.8
|
1.2
|
50.6
|
1,855
|
177,539,122
|
712,806
|
70,852,786,353
|
3,723
|
351,206,579
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014
TABLE 11.3
FEMALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
59.3
|
19.8
|
76.9
|
9
|
1,025,000
|
1,884
|
169,767,743
|
15
|
1,332,989
|
1997
|
63.9
|
14.3
|
61.9
|
20
|
1,540,000
|
3,543
|
303,046,284
|
31
|
2,489,156
|
1998
|
80.0
|
13.3
|
73.3
|
36
|
2,600,000
|
5,692
|
487,415,376
|
45
|
3,548,418
|
1999
|
59.5
|
8.4
|
71.1
|
50
|
4,376,792
|
11,217
|
905,236,480
|
84
|
6,152,022
|
2000
|
55.7
|
6.3
|
56.3
|
79
|
5,760,300
|
20,658
|
1,626,723,388
|
142
|
10,232,538
|
2001
|
63.4
|
4.5
|
61.9
|
201
|
13,482,340
|
51,025
|
3,882,224,174
|
317
|
21,796,838
|
2002
|
57.2
|
3.8
|
60.9
|
222
|
16,335,419
|
69,358
|
5,198,358,971
|
388
|
26,808,402
|
2003
|
61.2
|
3.6
|
65.4
|
294
|
21,889,408
|
92,200
|
6,993,068,948
|
481
|
33,467,251
|
2004
|
63.5
|
3.6
|
67.6
|
307
|
23,226,968
|
102,420
|
7,993,881,661
|
484
|
34,364,233
|
2005
|
56.1
|
3.8
|
61.6
|
222
|
17,537,391
|
93,537
|
7,424,329,404
|
395
|
28,463,767
|
2006
|
45.7
|
3.5
|
58.0
|
168
|
15,085,522
|
96,195
|
7,532,871,193
|
368
|
26,031,401
|
2007
|
48.7
|
4.3
|
51.2
|
131
|
9,976,000
|
73,864
|
5,842,299,227
|
268
|
19,491,512
|
2008
|
45.4
|
4.6
|
41.2
|
96
|
6,205,639
|
63,939
|
4,895,550,754
|
212
|
15,059,883
|
2009
|
34.3
|
4.8
|
32.9
|
50
|
3,381,564
|
46,153
|
3,469,376,711
|
147
|
10,288,010
|
2010
|
22.2
|
5.4
|
23.4
|
17
|
1,240,000
|
24,802
|
1,822,867,489
|
77
|
5,293,848
|
Total
|
55.1
|
1.3
|
58.7
|
1,902
|
143,662,343
|
756,487
|
58,547,017,805
|
3,454
|
244,820,267
|
Thomson Data Analysis Tue Sep 30 15:52:24 2014