CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
|
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009
|
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
|
Index of Tables
|
TABLE 1.1
|
TOTAL EXPERIENCE
|
TABLE 1.2
|
TOTAL EXPERIENCE -- MALES
|
TABLE 1.3
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 2.1
|
TOTAL EXPERIENCE -- SMOKERS
|
TABLE 2.2
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 2.3
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 2.4
|
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 2.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 2.6
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 3.1
|
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.2
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.3
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.4
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.5
|
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.6
|
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.7
|
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.8
|
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.9
|
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.10
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.11
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.12
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.13
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.14
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.15
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.16
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.17
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.18
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.19
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.20
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.21
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.22
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.23
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.24
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.25
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.26
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.27
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.28
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.29
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.30
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.31
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.32
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.33
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.34
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.35
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.36
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 4.1
|
TOTAL EXPERIENCE BY ILLNESS
|
TABLE 4.2
|
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
TABLE 4.3
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
TABLE 4.4
|
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
TABLE 4.5
|
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
TABLE 4.6
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
TABLE 4.7
|
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
TABLE 4.8
|
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 4.9
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 5.1
|
HEART ATTACK EXPERIENCE
|
TABLE 5.2
|
MALE HEART ATTACK EXPERIENCE
|
TABLE 5.3
|
FEMALE HEART ATTACK EXPERIENCE
|
TABLE 5.4
|
HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.5
|
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.6
|
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.7
|
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.8
|
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.9
|
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.1
|
LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.2
|
MALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.3
|
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.4
|
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.5
|
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.6
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.7
|
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.8
|
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.9
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.1
|
STROKE EXPERIENCE
|
TABLE 7.2
|
MALE STROKE EXPERIENCE
|
TABLE 7.3
|
FEMALE STROKE EXPERIENCE
|
TABLE 7.4
|
STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.5
|
MALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.6
|
FEMALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.7
|
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.8
|
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.9
|
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 8.1
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.2
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.3
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.4
|
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.5
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.6
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.7
|
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.8
|
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.9
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.10
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.11
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.12
|
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 9.1
|
TOTAL EXPERIENCE -- POLICY YEAR
|
TABLE 9.2
|
MALE EXPERIENCE -- POLICY YEAR
|
TABLE 9.3
|
FEMALE EXPERIENCE -- POLICY YEAR
|
TABLE 10.1
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.2
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.3
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.4
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.5
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.6
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.7
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.8
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.9
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.10
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.11
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.12
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.13
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.14
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.15
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.16
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.17
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.18
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 11.1
|
EXPERIENCE BY ISSUE YEAR
|
TABLE 11.2
|
MALE EXPERIENCE BY ISSUE YEAR
|
TABLE 11.3
|
FEMALE EXPERIENCE BY ISSUE YEAR
|
TABLE 1.1
TOTAL EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.8
|
2.0
|
30.2
|
210
|
17,876,750
|
227,002
|
19,651,343,046
|
731
|
59,169,035
|
2
|
49.6
|
2.5
|
49.1
|
382
|
30,734,072
|
210,628
|
18,313,951,639
|
771
|
62,605,421
|
3
|
56.3
|
2.7
|
66.7
|
449
|
42,940,688
|
194,117
|
16,745,132,824
|
797
|
64,395,739
|
4
|
59.6
|
2.7
|
64.3
|
473
|
41,360,306
|
171,838
|
14,873,633,824
|
792
|
64,358,084
|
5
|
57.4
|
2.8
|
56.5
|
410
|
32,729,067
|
138,608
|
11,993,635,155
|
715
|
57,912,972
|
6
|
58.7
|
3.2
|
61.4
|
337
|
28,624,276
|
100,139
|
8,694,462,256
|
574
|
46,601,182
|
7+
|
62.9
|
2.5
|
65.1
|
637
|
56,243,466
|
140,627
|
12,680,676,246
|
1,012
|
86,346,733
|
Total
|
53.7
|
1.0
|
56.8
|
2,898
|
250,508,625
|
1,182,960
|
102,952,834,990
|
5,392
|
441,389,166
|
By Issue Age
|
20-24
|
56.5
|
10.0
|
53.0
|
32
|
2,237,500
|
74,982
|
5,611,668,957
|
57
|
4,218,446
|
25-29
|
72.0
|
6.4
|
72.7
|
128
|
10,855,703
|
161,682
|
13,552,738,158
|
178
|
14,924,267
|
30-34
|
55.3
|
4.0
|
56.8
|
192
|
18,515,870
|
205,674
|
19,385,346,735
|
347
|
32,614,739
|
35-39
|
54.1
|
3.0
|
58.9
|
319
|
33,327,457
|
220,329
|
21,395,260,107
|
589
|
56,563,585
|
40-44
|
58.6
|
2.5
|
60.5
|
551
|
52,125,230
|
212,798
|
19,573,808,085
|
939
|
86,205,079
|
45-49
|
53.7
|
2.1
|
55.9
|
627
|
54,050,093
|
160,637
|
13,153,262,351
|
1,167
|
96,622,193
|
50-54
|
50.0
|
2.1
|
51.5
|
547
|
42,907,778
|
94,210
|
6,955,551,432
|
1,095
|
83,279,345
|
55-59
|
50.8
|
2.7
|
56.2
|
360
|
27,120,905
|
40,496
|
2,646,250,099
|
707
|
48,234,301
|
60+
|
45.6
|
3.8
|
50.0
|
143
|
9,368,089
|
12,152
|
678,949,065
|
313
|
18,727,212
|
Total
|
53.7
|
1.0
|
56.8
|
2,898
|
250,508,625
|
1,182,960
|
102,952,834,990
|
5,392
|
441,389,166
|
By Attained Age
|
20-24
|
54.6
|
15.1
|
47.0
|
13
|
842,500
|
36,669
|
2,762,706,138
|
24
|
1,790,817
|
25-29
|
72.5
|
8.1
|
73.0
|
80
|
6,393,823
|
122,265
|
9,722,601,062
|
110
|
8,760,694
|
30-34
|
51.6
|
4.6
|
52.4
|
125
|
11,274,750
|
179,824
|
16,054,829,800
|
242
|
21,523,675
|
35-39
|
52.6
|
3.5
|
53.0
|
221
|
21,285,795
|
206,479
|
19,955,466,396
|
420
|
40,137,489
|
40-44
|
55.0
|
2.8
|
58.3
|
385
|
38,317,732
|
214,659
|
20,394,712,492
|
700
|
65,691,095
|
45-49
|
57.5
|
2.4
|
59.7
|
575
|
52,139,813
|
186,200
|
16,323,697,576
|
999
|
87,365,651
|
50-54
|
51.6
|
2.1
|
54.8
|
584
|
49,820,208
|
130,255
|
10,327,983,827
|
1,132
|
90,981,890
|
55-59
|
49.1
|
2.2
|
51.9
|
484
|
38,268,899
|
71,473
|
5,177,406,832
|
986
|
73,718,377
|
60-64
|
57.8
|
3.3
|
66.5
|
316
|
24,849,743
|
27,106
|
1,772,411,609
|
547
|
37,389,815
|
65+
|
49.3
|
4.6
|
52.1
|
114
|
7,315,362
|
8,030
|
461,019,258
|
231
|
14,029,662
|
Total
|
53.7
|
1.0
|
56.8
|
2,898
|
250,508,625
|
1,182,960
|
102,952,834,990
|
5,392
|
441,389,166
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 1.2
TOTAL EXPERIENCE -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.8
|
2.8
|
28.6
|
99
|
9,429,750
|
110,243
|
10,709,906,080
|
355
|
32,977,731
|
2
|
49.6
|
3.6
|
46.0
|
190
|
16,322,380
|
102,604
|
10,015,791,782
|
382
|
35,447,718
|
3
|
54.0
|
3.7
|
65.2
|
218
|
24,107,693
|
94,639
|
9,143,287,755
|
403
|
36,971,254
|
4
|
56.7
|
3.7
|
62.0
|
231
|
23,252,242
|
83,689
|
8,141,920,492
|
407
|
37,502,388
|
5
|
53.6
|
3.8
|
47.1
|
199
|
16,024,356
|
67,444
|
6,575,366,837
|
371
|
34,055,079
|
6
|
55.7
|
4.3
|
56.4
|
169
|
15,701,853
|
49,050
|
4,809,250,813
|
304
|
27,837,026
|
7+
|
59.9
|
3.2
|
62.8
|
341
|
34,060,033
|
70,815
|
7,171,027,095
|
569
|
54,254,188
|
Total
|
51.8
|
1.4
|
53.6
|
1,446
|
138,898,307
|
578,484
|
56,566,550,853
|
2,791
|
259,045,383
|
By Issue Age
|
20-24
|
54.8
|
15.2
|
55.2
|
13
|
1,035,000
|
34,971
|
2,765,725,637
|
24
|
1,876,606
|
25-29
|
82.9
|
10.7
|
78.8
|
60
|
5,098,296
|
76,223
|
6,749,242,395
|
72
|
6,468,331
|
30-34
|
43.0
|
5.4
|
47.5
|
64
|
7,370,000
|
102,140
|
10,516,984,121
|
149
|
15,513,871
|
35-39
|
47.1
|
4.2
|
52.3
|
123
|
15,010,434
|
110,063
|
11,988,632,048
|
262
|
28,679,072
|
40-44
|
51.9
|
3.4
|
54.8
|
236
|
26,435,235
|
106,021
|
11,203,088,681
|
456
|
48,270,688
|
45-49
|
51.4
|
2.9
|
50.9
|
312
|
29,400,284
|
78,374
|
7,430,839,657
|
607
|
57,749,571
|
50-54
|
52.5
|
2.9
|
53.0
|
326
|
28,655,018
|
45,636
|
3,967,192,730
|
620
|
54,033,881
|
55-59
|
53.8
|
3.6
|
57.5
|
226
|
18,932,932
|
19,530
|
1,533,079,855
|
420
|
32,952,722
|
60-64
|
49.4
|
5.8
|
53.0
|
72
|
6,017,244
|
4,652
|
359,926,056
|
146
|
11,346,459
|
65+
|
35.9
|
9.9
|
43.8
|
13
|
943,864
|
872
|
51,839,673
|
36
|
2,154,184
|
Total
|
51.8
|
1.4
|
53.6
|
1,446
|
138,898,307
|
578,484
|
56,566,550,853
|
2,791
|
259,045,383
|
By Attained Age
|
20-24
|
48.2
|
21.6
|
42.3
|
5
|
350,000
|
17,209
|
1,367,501,694
|
10
|
827,872
|
25-29
|
80.7
|
13.4
|
81.4
|
36
|
3,072,296
|
56,754
|
4,768,917,236
|
45
|
3,773,996
|
30-34
|
54.3
|
7.3
|
56.7
|
55
|
5,566,000
|
87,538
|
8,410,685,400
|
101
|
9,816,498
|
35-39
|
43.4
|
4.9
|
42.0
|
78
|
8,135,106
|
103,013
|
11,010,566,800
|
180
|
19,357,840
|
40-44
|
48.4
|
3.9
|
54.7
|
155
|
18,900,674
|
107,396
|
11,593,950,918
|
320
|
34,548,109
|
45-49
|
49.9
|
3.2
|
47.1
|
245
|
23,379,897
|
91,810
|
9,280,190,865
|
492
|
49,597,168
|
50-54
|
49.8
|
2.9
|
54.4
|
300
|
30,208,024
|
63,120
|
5,816,086,022
|
603
|
55,522,076
|
55-59
|
51.8
|
3.0
|
51.8
|
296
|
25,520,470
|
34,636
|
2,995,752,424
|
571
|
49,281,934
|
60-64
|
61.2
|
4.3
|
70.2
|
203
|
18,383,217
|
13,253
|
1,044,623,420
|
332
|
26,199,150
|
65+
|
52.3
|
6.2
|
53.2
|
72
|
5,382,623
|
3,754
|
278,276,074
|
138
|
10,120,740
|
Total
|
51.8
|
1.4
|
53.6
|
1,446
|
138,898,307
|
578,484
|
56,566,550,853
|
2,791
|
259,045,383
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 1.3
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.7
|
2.8
|
32.3
|
111
|
8,447,000
|
116,759
|
8,941,436,966
|
375
|
26,191,305
|
2
|
49.5
|
3.6
|
53.1
|
192
|
14,411,692
|
108,024
|
8,298,159,857
|
388
|
27,157,703
|
3
|
58.6
|
3.9
|
68.7
|
231
|
18,832,995
|
99,478
|
7,601,845,069
|
394
|
27,424,485
|
4
|
62.7
|
4.0
|
67.4
|
242
|
18,108,064
|
88,149
|
6,731,713,332
|
386
|
26,855,696
|
5
|
61.4
|
4.2
|
70.0
|
211
|
16,704,711
|
71,164
|
5,418,268,318
|
344
|
23,857,893
|
6
|
62.1
|
4.8
|
68.9
|
168
|
12,922,423
|
51,089
|
3,885,211,443
|
270
|
18,764,156
|
7+
|
66.7
|
3.9
|
69.1
|
296
|
22,183,433
|
69,812
|
5,509,649,151
|
444
|
32,092,545
|
Total
|
55.8
|
1.5
|
61.2
|
1,452
|
111,610,318
|
604,475
|
46,386,284,137
|
2,601
|
182,343,782
|
By Issue Age
|
20-24
|
57.7
|
13.2
|
51.3
|
19
|
1,202,500
|
40,011
|
2,845,943,320
|
33
|
2,341,840
|
25-29
|
64.5
|
7.8
|
68.1
|
68
|
5,757,407
|
85,459
|
6,803,495,762
|
105
|
8,455,937
|
30-34
|
64.5
|
5.7
|
65.2
|
128
|
11,145,870
|
103,533
|
8,868,362,614
|
199
|
17,100,868
|
35-39
|
59.7
|
4.3
|
65.7
|
195
|
18,317,023
|
110,266
|
9,406,628,059
|
327
|
27,884,513
|
40-44
|
65.0
|
3.7
|
67.7
|
314
|
25,689,995
|
106,777
|
8,370,719,404
|
484
|
37,934,391
|
45-49
|
56.2
|
3.2
|
63.4
|
314
|
24,649,809
|
82,263
|
5,722,422,694
|
560
|
38,872,622
|
50-54
|
46.6
|
3.1
|
48.7
|
221
|
14,252,760
|
48,573
|
2,988,358,702
|
475
|
29,245,464
|
55-59
|
46.5
|
4.0
|
53.6
|
134
|
8,187,973
|
20,966
|
1,113,170,244
|
287
|
15,281,579
|
60+
|
44.2
|
5.8
|
46.1
|
58
|
2,406,981
|
6,628
|
267,183,337
|
131
|
5,226,569
|
Total
|
55.8
|
1.5
|
61.2
|
1,452
|
111,610,318
|
604,475
|
46,386,284,137
|
2,601
|
182,343,782
|
By Attained Age
|
20-24
|
59.6
|
21.1
|
51.1
|
8
|
492,500
|
19,460
|
1,395,204,444
|
13
|
962,945
|
25-29
|
66.9
|
10.1
|
66.6
|
44
|
3,321,527
|
65,511
|
4,953,683,826
|
66
|
4,986,698
|
30-34
|
49.7
|
5.9
|
48.8
|
70
|
5,708,750
|
92,286
|
7,644,144,400
|
141
|
11,707,177
|
35-39
|
59.5
|
5.0
|
63.3
|
143
|
13,150,689
|
103,465
|
8,944,899,596
|
240
|
20,779,649
|
40-44
|
60.6
|
4.0
|
62.3
|
230
|
19,417,058
|
107,264
|
8,800,761,574
|
380
|
31,142,986
|
45-49
|
64.9
|
3.6
|
76.1
|
329
|
28,759,916
|
94,390
|
7,043,506,711
|
507
|
37,768,482
|
50-54
|
53.6
|
3.2
|
55.3
|
284
|
19,612,184
|
67,135
|
4,511,897,805
|
530
|
35,459,814
|
55-59
|
45.4
|
3.3
|
52.2
|
188
|
12,748,429
|
36,837
|
2,181,654,409
|
415
|
24,436,444
|
60-64
|
52.7
|
5.0
|
57.8
|
113
|
6,466,526
|
13,853
|
727,788,189
|
215
|
11,190,664
|
65+
|
44.9
|
6.9
|
49.4
|
42
|
1,932,739
|
4,276
|
182,743,184
|
94
|
3,908,923
|
Total
|
55.8
|
1.5
|
61.2
|
1,452
|
111,610,318
|
604,475
|
46,386,284,137
|
2,601
|
182,343,782
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.1
TOTAL EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
52.5
|
8.6
|
64.1
|
37
|
2,537,750
|
27,692
|
1,739,198,346
|
71
|
3,958,714
|
2
|
65.3
|
9.6
|
66.8
|
46
|
2,585,000
|
24,168
|
1,499,948,929
|
71
|
3,872,078
|
3
|
91.4
|
11.5
|
125.2
|
63
|
4,724,573
|
21,183
|
1,292,390,009
|
69
|
3,774,567
|
4
|
85.1
|
11.4
|
71.4
|
56
|
2,615,056
|
18,114
|
1,116,596,439
|
66
|
3,664,928
|
5
|
82.9
|
12.1
|
102.5
|
47
|
3,269,605
|
13,993
|
867,017,849
|
57
|
3,188,800
|
6
|
88.9
|
14.2
|
71.3
|
39
|
1,777,628
|
9,757
|
609,526,362
|
44
|
2,491,893
|
7+
|
91.1
|
10.9
|
89.4
|
70
|
4,300,070
|
13,033
|
883,588,034
|
77
|
4,807,654
|
Total
|
78.9
|
4.2
|
84.7
|
359
|
21,809,682
|
127,939
|
8,008,265,968
|
455
|
25,758,635
|
By Issue Age
|
20-24
|
60.0
|
24.5
|
46.3
|
6
|
275,000
|
13,483
|
806,509,814
|
10
|
594,100
|
25-29
|
87.9
|
19.2
|
97.6
|
21
|
1,530,880
|
22,975
|
1,523,968,859
|
24
|
1,569,098
|
30-34
|
55.7
|
12.1
|
55.1
|
21
|
1,462,870
|
23,182
|
1,643,427,716
|
38
|
2,653,046
|
35-39
|
69.6
|
10.7
|
69.4
|
42
|
2,804,649
|
23,088
|
1,557,708,667
|
60
|
4,040,670
|
40-44
|
83.6
|
9.6
|
100.1
|
76
|
5,569,565
|
21,104
|
1,284,794,838
|
91
|
5,563,967
|
45-49
|
98.5
|
9.8
|
121.8
|
100
|
6,726,008
|
14,457
|
770,500,105
|
102
|
5,521,252
|
50-54
|
59.1
|
8.8
|
46.7
|
45
|
1,672,960
|
6,781
|
306,482,306
|
76
|
3,583,467
|
55-59
|
86.6
|
14.8
|
74.5
|
34
|
1,300,850
|
2,313
|
96,164,512
|
40
|
1,747,145
|
60-64
|
92.3
|
27.8
|
89.4
|
11
|
381,900
|
505
|
16,901,074
|
12
|
427,138
|
65+
|
113.1
|
80.0
|
144.7
|
2
|
85,000
|
51
|
1,808,077
|
2
|
58,752
|
Total
|
78.9
|
4.2
|
84.7
|
359
|
21,809,682
|
127,939
|
8,008,265,968
|
455
|
25,758,635
|
By Attained Age
|
20-24
|
45.7
|
32.3
|
19.2
|
2
|
50,000
|
6,814
|
407,608,111
|
4
|
260,667
|
25-29
|
74.9
|
20.8
|
101.4
|
13
|
1,120,000
|
19,845
|
1,270,177,271
|
17
|
1,104,284
|
30-34
|
80.6
|
16.8
|
77.3
|
23
|
1,483,750
|
21,987
|
1,497,543,827
|
29
|
1,918,242
|
35-39
|
57.2
|
11.4
|
46.4
|
25
|
1,384,000
|
22,015
|
1,526,346,288
|
44
|
2,982,884
|
40-44
|
65.6
|
9.6
|
71.9
|
47
|
3,257,818
|
22,268
|
1,430,755,219
|
72
|
4,530,305
|
45-49
|
104.4
|
10.4
|
133.8
|
100
|
7,465,404
|
18,035
|
1,050,166,666
|
96
|
5,580,018
|
50-54
|
66.5
|
8.5
|
78.1
|
61
|
3,689,000
|
10,631
|
539,801,407
|
92
|
4,723,306
|
55-59
|
78.1
|
11.1
|
62.2
|
49
|
1,888,210
|
4,622
|
214,634,628
|
63
|
3,037,872
|
60-64
|
100.5
|
19.0
|
81.0
|
28
|
1,009,600
|
1,377
|
58,751,437
|
28
|
1,245,981
|
65+
|
102.4
|
32.4
|
123.1
|
10
|
461,900
|
344
|
12,481,113
|
10
|
375,076
|
Total
|
78.9
|
4.2
|
84.7
|
359
|
21,809,682
|
127,939
|
8,008,265,968
|
455
|
25,758,635
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.2
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
67.2
|
13.3
|
78.4
|
25
|
1,849,750
|
15,689
|
1,085,156,013
|
38
|
2,358,133
|
2
|
80.6
|
14.7
|
84.2
|
30
|
1,920,000
|
13,429
|
919,873,671
|
37
|
2,280,993
|
3
|
96.4
|
16.3
|
102.8
|
35
|
2,278,573
|
11,579
|
781,171,049
|
36
|
2,215,659
|
4
|
85.9
|
15.7
|
80.1
|
30
|
1,759,531
|
9,854
|
679,208,671
|
35
|
2,195,737
|
5
|
66.1
|
14.8
|
78.9
|
20
|
1,519,600
|
7,574
|
526,048,789
|
30
|
1,925,548
|
6
|
71.7
|
17.4
|
53.8
|
17
|
823,500
|
5,278
|
372,751,437
|
24
|
1,529,679
|
7+
|
93.9
|
14.5
|
96.1
|
42
|
3,024,000
|
7,206
|
552,383,902
|
45
|
3,146,041
|
Total
|
81.4
|
5.8
|
84.2
|
200
|
13,174,954
|
70,607
|
4,916,593,531
|
245
|
15,651,789
|
By Issue Age
|
20-24
|
40.7
|
28.8
|
39.9
|
2
|
125,000
|
7,232
|
462,992,008
|
5
|
312,993
|
25-29
|
82.6
|
26.1
|
64.5
|
10
|
560,000
|
13,136
|
934,631,777
|
12
|
867,565
|
30-34
|
57.2
|
17.2
|
57.3
|
11
|
875,000
|
13,476
|
1,055,248,056
|
19
|
1,528,357
|
35-39
|
78.2
|
16.0
|
77.2
|
24
|
1,807,000
|
13,052
|
982,101,947
|
31
|
2,341,210
|
40-44
|
87.9
|
13.6
|
92.2
|
42
|
3,044,565
|
11,489
|
782,046,681
|
48
|
3,303,359
|
45-49
|
103.0
|
13.6
|
126.2
|
57
|
4,341,008
|
7,496
|
457,670,194
|
56
|
3,439,984
|
50-54
|
61.4
|
11.8
|
50.9
|
27
|
1,191,531
|
3,400
|
176,613,167
|
44
|
2,342,800
|
55-59
|
86.8
|
19.2
|
80.4
|
20
|
970,850
|
1,097
|
55,663,206
|
23
|
1,208,003
|
60-64
|
83.6
|
37.4
|
88.8
|
5
|
235,000
|
191
|
8,527,666
|
6
|
264,630
|
65+
|
68.8
|
68.8
|
58.3
|
1
|
25,000
|
38
|
1,098,830
|
1
|
42,888
|
Total
|
81.4
|
5.8
|
84.2
|
200
|
13,174,954
|
70,607
|
4,916,593,531
|
245
|
15,651,789
|
By Attained Age
|
20-24
|
46.1
|
46.1
|
17.7
|
1
|
25,000
|
3,608
|
234,570,021
|
2
|
141,367
|
25-29
|
80.2
|
30.3
|
76.8
|
7
|
455,000
|
11,158
|
754,419,195
|
9
|
592,772
|
30-34
|
82.2
|
23.7
|
68.8
|
12
|
755,000
|
12,762
|
953,136,847
|
15
|
1,096,661
|
35-39
|
59.4
|
16.5
|
51.4
|
13
|
862,000
|
12,611
|
963,728,270
|
22
|
1,677,501
|
40-44
|
68.0
|
13.6
|
82.5
|
25
|
2,189,565
|
12,417
|
898,589,087
|
37
|
2,655,104
|
45-49
|
118.3
|
15.2
|
130.9
|
60
|
4,378,008
|
9,581
|
630,857,694
|
51
|
3,345,039
|
50-54
|
65.2
|
11.3
|
74.2
|
33
|
2,194,000
|
5,390
|
313,848,424
|
51
|
2,957,145
|
55-59
|
75.4
|
14.4
|
62.6
|
27
|
1,261,781
|
2,220
|
123,165,939
|
36
|
2,016,937
|
60-64
|
86.2
|
22.3
|
81.4
|
15
|
744,600
|
703
|
37,283,895
|
17
|
914,440
|
65+
|
104.3
|
42.6
|
121.7
|
6
|
310,000
|
158
|
6,994,159
|
6
|
254,823
|
Total
|
81.4
|
5.8
|
84.2
|
200
|
13,174,954
|
70,607
|
4,916,593,531
|
245
|
15,651,789
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.3
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.8
|
10.3
|
43.0
|
12
|
688,000
|
12,003
|
654,042,333
|
34
|
1,600,581
|
2
|
48.2
|
12.0
|
41.8
|
16
|
665,000
|
10,739
|
580,075,258
|
33
|
1,591,086
|
3
|
85.9
|
16.2
|
156.9
|
28
|
2,446,000
|
9,604
|
511,218,960
|
33
|
1,558,908
|
4
|
84.1
|
16.5
|
58.2
|
26
|
855,525
|
8,260
|
437,387,768
|
31
|
1,469,191
|
5
|
102.1
|
19.6
|
138.5
|
27
|
1,750,005
|
6,419
|
340,969,060
|
26
|
1,263,252
|
6
|
109.0
|
23.2
|
99.2
|
22
|
954,128
|
4,480
|
236,774,925
|
20
|
962,214
|
7+
|
87.2
|
16.5
|
76.8
|
28
|
1,276,070
|
5,827
|
331,204,132
|
32
|
1,661,614
|
Total
|
76.1
|
6.0
|
85.4
|
159
|
8,634,728
|
57,332
|
3,091,672,437
|
209
|
10,106,846
|
By Issue Age
|
20-24
|
78.5
|
39.3
|
53.4
|
4
|
150,000
|
6,251
|
343,517,806
|
5
|
281,107
|
25-29
|
93.3
|
28.1
|
138.4
|
11
|
970,880
|
9,839
|
589,337,082
|
12
|
701,533
|
30-34
|
54.1
|
17.1
|
52.3
|
10
|
587,870
|
9,706
|
588,179,660
|
18
|
1,124,689
|
35-39
|
60.7
|
14.3
|
58.7
|
18
|
997,649
|
10,036
|
575,606,720
|
30
|
1,699,460
|
40-44
|
78.8
|
13.5
|
111.7
|
34
|
2,525,000
|
9,615
|
502,748,157
|
43
|
2,260,608
|
45-49
|
93.1
|
14.2
|
114.6
|
43
|
2,385,000
|
6,961
|
312,829,911
|
46
|
2,081,269
|
50-54
|
55.9
|
13.2
|
38.8
|
18
|
481,429
|
3,381
|
129,869,139
|
32
|
1,240,666
|
55-59
|
86.2
|
23.0
|
61.2
|
14
|
330,000
|
1,216
|
40,501,305
|
16
|
539,142
|
60+
|
111.8
|
42.3
|
116.0
|
7
|
206,900
|
327
|
9,082,654
|
6
|
178,372
|
Total
|
76.1
|
6.0
|
85.4
|
159
|
8,634,728
|
57,332
|
3,091,672,437
|
209
|
10,106,846
|
By Attained Age
|
20-24
|
45.3
|
45.3
|
21.0
|
1
|
25,000
|
3,206
|
173,038,090
|
2
|
119,300
|
25-29
|
69.6
|
28.4
|
130.0
|
6
|
665,000
|
8,688
|
515,758,076
|
9
|
511,512
|
30-34
|
78.9
|
23.8
|
88.7
|
11
|
728,750
|
9,225
|
544,406,980
|
14
|
821,581
|
35-39
|
55.0
|
15.9
|
40.0
|
12
|
522,000
|
9,404
|
562,618,018
|
22
|
1,305,383
|
40-44
|
63.1
|
13.5
|
57.0
|
22
|
1,068,253
|
9,851
|
532,166,132
|
35
|
1,875,202
|
45-49
|
88.7
|
14.0
|
138.1
|
40
|
3,087,396
|
8,455
|
419,308,972
|
45
|
2,234,979
|
50-54
|
68.0
|
12.9
|
84.6
|
28
|
1,495,000
|
5,240
|
225,952,983
|
41
|
1,766,161
|
55-59
|
81.9
|
17.5
|
61.4
|
22
|
626,429
|
2,402
|
91,468,689
|
27
|
1,020,935
|
60-64
|
124.1
|
34.4
|
79.9
|
13
|
265,000
|
674
|
21,467,542
|
10
|
331,541
|
65+
|
99.7
|
49.8
|
126.3
|
4
|
151,900
|
187
|
5,486,954
|
4
|
120,253
|
Total
|
76.1
|
6.0
|
85.4
|
159
|
8,634,728
|
57,332
|
3,091,672,437
|
209
|
10,106,846
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.4
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.2
|
2.0
|
27.8
|
173
|
15,339,000
|
199,311
|
17,912,144,700
|
659
|
55,210,322
|
2
|
48.0
|
2.6
|
47.9
|
336
|
28,149,072
|
186,461
|
16,814,002,710
|
700
|
58,733,343
|
3
|
52.9
|
2.7
|
63.0
|
385
|
38,216,115
|
172,935
|
15,452,742,816
|
728
|
60,621,172
|
4
|
57.3
|
2.8
|
63.8
|
417
|
38,745,250
|
153,724
|
13,757,037,385
|
726
|
60,693,155
|
5
|
55.2
|
2.9
|
53.8
|
363
|
29,459,462
|
124,615
|
11,126,617,306
|
658
|
54,724,172
|
6
|
56.2
|
3.3
|
60.9
|
298
|
26,846,648
|
90,381
|
8,084,935,894
|
530
|
44,109,289
|
7+
|
60.6
|
2.5
|
63.7
|
567
|
51,943,396
|
127,594
|
11,797,088,212
|
936
|
81,539,079
|
Total
|
51.4
|
1.0
|
55.0
|
2,539
|
228,698,943
|
1,055,021
|
94,944,569,023
|
4,938
|
415,630,531
|
By Issue Age
|
20-24
|
55.7
|
10.9
|
54.1
|
26
|
1,962,500
|
61,499
|
4,805,159,143
|
47
|
3,624,346
|
25-29
|
69.5
|
6.7
|
69.8
|
107
|
9,324,823
|
138,707
|
12,028,769,298
|
154
|
13,355,169
|
30-34
|
55.2
|
4.2
|
56.9
|
171
|
17,053,000
|
182,492
|
17,741,919,019
|
310
|
29,961,693
|
35-39
|
52.3
|
3.1
|
58.1
|
277
|
30,522,808
|
197,242
|
19,837,551,440
|
529
|
52,522,914
|
40-44
|
55.9
|
2.6
|
57.7
|
475
|
46,555,665
|
191,694
|
18,289,013,247
|
848
|
80,641,112
|
45-49
|
49.4
|
2.2
|
51.9
|
526
|
47,324,085
|
146,180
|
12,382,762,246
|
1,065
|
91,100,941
|
50-54
|
49.3
|
2.2
|
51.7
|
502
|
41,234,818
|
87,429
|
6,649,069,126
|
1,018
|
79,695,878
|
55-59
|
48.7
|
2.7
|
55.5
|
325
|
25,820,055
|
38,183
|
2,550,085,588
|
668
|
46,487,156
|
60+
|
43.4
|
3.8
|
48.8
|
130
|
8,901,189
|
11,596
|
660,239,915
|
300
|
18,241,322
|
Total
|
51.4
|
1.0
|
55.0
|
2,539
|
228,698,943
|
1,055,021
|
94,944,569,023
|
4,938
|
415,630,531
|
By Attained Age
|
20-24
|
56.6
|
17.1
|
51.8
|
11
|
792,500
|
29,855
|
2,355,098,027
|
19
|
1,530,150
|
25-29
|
72.0
|
8.8
|
68.9
|
67
|
5,273,823
|
102,420
|
8,452,423,791
|
93
|
7,656,410
|
30-34
|
47.7
|
4.7
|
49.9
|
102
|
9,791,000
|
157,837
|
14,557,285,973
|
214
|
19,605,434
|
35-39
|
52.1
|
3.7
|
53.6
|
196
|
19,901,795
|
184,463
|
18,429,120,109
|
376
|
37,154,605
|
40-44
|
53.8
|
2.9
|
57.3
|
338
|
35,059,914
|
192,392
|
18,963,957,273
|
628
|
61,160,790
|
45-49
|
52.5
|
2.4
|
54.6
|
474
|
44,674,409
|
168,165
|
15,273,530,910
|
903
|
81,785,633
|
50-54
|
50.3
|
2.2
|
53.5
|
523
|
46,131,208
|
119,624
|
9,788,182,420
|
1,040
|
86,258,584
|
55-59
|
47.2
|
2.3
|
51.5
|
435
|
36,380,689
|
66,851
|
4,962,772,204
|
923
|
70,680,505
|
60-64
|
55.6
|
3.3
|
66.0
|
288
|
23,840,143
|
25,729
|
1,713,660,172
|
519
|
36,143,834
|
65+
|
46.9
|
4.6
|
50.2
|
104
|
6,853,462
|
7,686
|
448,538,145
|
222
|
13,654,586
|
Total
|
51.4
|
1.0
|
55.0
|
2,539
|
228,698,943
|
1,055,021
|
94,944,569,023
|
4,938
|
415,630,531
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.1
|
2.7
|
24.8
|
73
|
7,580,000
|
94,554
|
9,624,750,067
|
318
|
30,619,598
|
2
|
46.2
|
3.7
|
43.4
|
160
|
14,402,380
|
89,175
|
9,095,918,110
|
345
|
33,166,725
|
3
|
49.8
|
3.7
|
62.8
|
183
|
21,829,120
|
83,060
|
8,362,116,706
|
367
|
34,755,595
|
4
|
54.0
|
3.8
|
60.9
|
201
|
21,492,711
|
73,835
|
7,462,711,822
|
372
|
35,306,651
|
5
|
52.5
|
3.9
|
45.1
|
179
|
14,504,756
|
59,870
|
6,049,318,048
|
341
|
32,129,530
|
6
|
54.3
|
4.4
|
56.6
|
152
|
14,878,353
|
43,772
|
4,436,499,376
|
280
|
26,307,347
|
7+
|
57.0
|
3.3
|
60.7
|
299
|
31,036,033
|
63,609
|
6,618,643,193
|
524
|
51,108,147
|
Total
|
48.9
|
1.4
|
51.7
|
1,246
|
125,723,353
|
507,877
|
51,649,957,322
|
2,546
|
243,393,595
|
By Issue Age
|
20-24
|
58.5
|
17.6
|
58.2
|
11
|
910,000
|
27,739
|
2,302,733,629
|
19
|
1,563,613
|
25-29
|
83.0
|
11.7
|
81.0
|
50
|
4,538,296
|
63,087
|
5,814,610,618
|
60
|
5,600,766
|
30-34
|
40.9
|
5.6
|
46.4
|
53
|
6,495,000
|
88,664
|
9,461,736,065
|
130
|
13,985,514
|
35-39
|
42.9
|
4.3
|
50.1
|
99
|
13,203,434
|
97,011
|
11,006,530,101
|
231
|
26,337,862
|
40-44
|
47.7
|
3.4
|
52.0
|
194
|
23,390,670
|
94,532
|
10,421,042,000
|
408
|
44,967,329
|
45-49
|
46.3
|
2.9
|
46.1
|
255
|
25,059,276
|
70,878
|
6,973,169,464
|
552
|
54,309,587
|
50-54
|
51.9
|
3.0
|
53.1
|
298
|
27,463,487
|
42,237
|
3,790,579,563
|
575
|
51,691,081
|
55-59
|
51.9
|
3.6
|
56.6
|
206
|
17,962,082
|
18,433
|
1,477,416,649
|
397
|
31,744,719
|
60-64
|
47.9
|
5.9
|
52.2
|
67
|
5,782,244
|
4,461
|
351,398,390
|
140
|
11,081,829
|
65+
|
34.5
|
10.0
|
43.5
|
12
|
918,864
|
834
|
50,740,843
|
35
|
2,111,296
|
Total
|
48.9
|
1.4
|
51.7
|
1,246
|
125,723,353
|
507,877
|
51,649,957,322
|
2,546
|
243,393,595
|
By Attained Age
|
20-24
|
48.7
|
24.4
|
47.3
|
4
|
325,000
|
13,601
|
1,132,931,674
|
8
|
686,505
|
25-29
|
80.8
|
15.0
|
82.3
|
29
|
2,617,296
|
45,597
|
4,014,498,041
|
36
|
3,181,224
|
30-34
|
49.6
|
7.6
|
55.2
|
43
|
4,811,000
|
74,776
|
7,457,548,553
|
87
|
8,719,838
|
35-39
|
41.2
|
5.1
|
41.1
|
65
|
7,273,106
|
90,402
|
10,046,838,530
|
158
|
17,680,339
|
40-44
|
45.8
|
4.0
|
52.4
|
130
|
16,711,109
|
94,979
|
10,695,361,831
|
283
|
31,893,006
|
45-49
|
42.0
|
3.1
|
41.1
|
185
|
19,001,889
|
82,229
|
8,649,333,171
|
441
|
46,252,129
|
50-54
|
48.4
|
3.0
|
53.3
|
267
|
28,014,024
|
57,730
|
5,502,237,598
|
552
|
52,564,931
|
55-59
|
50.2
|
3.1
|
51.3
|
269
|
24,258,689
|
32,416
|
2,872,586,485
|
535
|
47,264,997
|
60-64
|
59.8
|
4.4
|
69.8
|
188
|
17,638,617
|
12,550
|
1,007,339,525
|
315
|
25,284,710
|
65+
|
50.0
|
6.2
|
51.4
|
66
|
5,072,623
|
3,597
|
271,281,915
|
132
|
9,865,917
|
Total
|
48.9
|
1.4
|
51.7
|
1,246
|
125,723,353
|
507,877
|
51,649,957,322
|
2,546
|
243,393,595
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 2.6
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.1
|
2.9
|
31.6
|
99
|
7,759,000
|
104,756
|
8,287,394,633
|
342
|
24,590,723
|
2
|
49.7
|
3.7
|
53.8
|
176
|
13,746,692
|
97,285
|
7,718,084,599
|
355
|
25,566,618
|
3
|
56.1
|
3.9
|
63.4
|
203
|
16,386,995
|
89,875
|
7,090,626,109
|
361
|
25,865,577
|
4
|
60.9
|
4.1
|
68.0
|
216
|
17,252,539
|
79,889
|
6,294,325,564
|
355
|
25,386,504
|
5
|
58.1
|
4.3
|
66.2
|
184
|
14,954,706
|
64,745
|
5,077,299,258
|
317
|
22,594,641
|
6
|
58.3
|
4.8
|
67.2
|
146
|
11,968,295
|
46,609
|
3,648,436,518
|
250
|
17,801,942
|
7+
|
65.1
|
4.0
|
68.7
|
268
|
20,907,363
|
63,985
|
5,178,445,019
|
411
|
30,430,932
|
Total
|
54.1
|
1.5
|
59.8
|
1,293
|
102,975,590
|
547,144
|
43,294,611,701
|
2,391
|
172,236,937
|
By Issue Age
|
20-24
|
53.8
|
13.9
|
51.1
|
15
|
1,052,500
|
33,760
|
2,502,425,514
|
28
|
2,060,733
|
25-29
|
60.8
|
8.1
|
61.7
|
57
|
4,786,527
|
75,619
|
6,214,158,680
|
94
|
7,754,404
|
30-34
|
65.5
|
6.0
|
66.1
|
118
|
10,558,000
|
93,828
|
8,280,182,954
|
180
|
15,976,179
|
35-39
|
59.6
|
4.5
|
66.1
|
177
|
17,319,374
|
100,231
|
8,831,021,339
|
297
|
26,185,052
|
40-44
|
63.6
|
3.8
|
64.9
|
280
|
23,164,995
|
97,162
|
7,867,971,247
|
440
|
35,673,783
|
45-49
|
52.9
|
3.2
|
60.5
|
271
|
22,264,809
|
75,302
|
5,409,592,782
|
513
|
36,791,353
|
50-54
|
45.9
|
3.2
|
49.2
|
203
|
13,771,331
|
45,192
|
2,858,489,563
|
443
|
28,004,797
|
55-59
|
44.1
|
4.0
|
53.3
|
120
|
7,857,973
|
19,750
|
1,072,668,939
|
271
|
14,742,437
|
60+
|
40.8
|
5.7
|
43.6
|
51
|
2,200,081
|
6,301
|
258,100,682
|
125
|
5,048,197
|
Total
|
54.1
|
1.5
|
59.8
|
1,293
|
102,975,590
|
547,144
|
43,294,611,701
|
2,391
|
172,236,937
|
By Attained Age
|
20-24
|
62.4
|
23.6
|
55.4
|
7
|
467,500
|
16,254
|
1,222,166,354
|
11
|
843,646
|
25-29
|
66.5
|
10.8
|
59.4
|
38
|
2,656,527
|
56,823
|
4,437,925,750
|
57
|
4,475,186
|
30-34
|
46.4
|
6.0
|
45.7
|
59
|
4,980,000
|
83,061
|
7,099,737,420
|
127
|
10,885,596
|
35-39
|
60.0
|
5.2
|
64.8
|
131
|
12,628,689
|
94,061
|
8,382,281,578
|
218
|
19,474,266
|
40-44
|
60.3
|
4.2
|
62.7
|
208
|
18,348,805
|
97,413
|
8,268,595,442
|
346
|
29,267,784
|
45-49
|
62.6
|
3.7
|
72.2
|
289
|
25,672,520
|
85,936
|
6,624,197,739
|
462
|
35,533,504
|
50-54
|
52.4
|
3.3
|
53.8
|
256
|
18,117,184
|
61,894
|
4,285,944,822
|
488
|
33,693,654
|
55-59
|
42.9
|
3.3
|
51.8
|
166
|
12,122,000
|
34,435
|
2,090,185,719
|
388
|
23,415,509
|
60-64
|
49.0
|
4.9
|
57.1
|
100
|
6,201,526
|
13,179
|
706,320,647
|
204
|
10,859,124
|
65+
|
42.4
|
6.9
|
47.0
|
38
|
1,780,839
|
4,089
|
177,256,230
|
90
|
3,788,670
|
Total
|
54.1
|
1.5
|
59.8
|
1,293
|
102,975,590
|
547,144
|
43,294,611,701
|
2,391
|
172,236,937
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.1
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.2
|
3.2
|
23.3
|
53
|
1,181,750
|
54,972
|
1,252,051,053
|
227
|
5,075,232
|
2
|
42.3
|
4.2
|
45.2
|
101
|
2,444,869
|
51,260
|
1,176,907,369
|
239
|
5,405,503
|
3
|
50.2
|
4.5
|
52.6
|
124
|
2,953,033
|
47,639
|
1,102,889,100
|
246
|
5,619,135
|
4
|
56.2
|
4.8
|
54.4
|
136
|
3,035,960
|
41,983
|
980,087,202
|
242
|
5,576,780
|
5
|
49.7
|
4.8
|
51.6
|
106
|
2,557,397
|
33,250
|
780,652,230
|
213
|
4,960,206
|
6
|
64.1
|
6.2
|
68.4
|
106
|
2,656,006
|
23,279
|
550,776,825
|
165
|
3,885,724
|
7+
|
52.4
|
4.7
|
55.1
|
126
|
3,226,358
|
27,176
|
659,425,493
|
241
|
5,852,198
|
Total
|
47.8
|
1.7
|
49.6
|
752
|
18,055,373
|
279,558
|
6,502,789,272
|
1,575
|
36,374,778
|
By Issue Age
|
20-24
|
69.7
|
21.0
|
90.6
|
11
|
295,000
|
20,871
|
430,395,380
|
16
|
325,778
|
25-29
|
73.0
|
14.1
|
75.9
|
27
|
625,000
|
33,821
|
755,214,927
|
37
|
823,917
|
30-34
|
52.5
|
9.3
|
59.0
|
32
|
835,000
|
36,194
|
838,424,720
|
61
|
1,415,530
|
35-39
|
45.8
|
6.6
|
52.6
|
48
|
1,352,331
|
39,615
|
961,719,998
|
105
|
2,572,338
|
40-44
|
53.5
|
5.1
|
57.1
|
108
|
2,823,437
|
46,275
|
1,127,797,717
|
202
|
4,940,749
|
45-49
|
47.8
|
3.9
|
48.4
|
153
|
3,785,123
|
45,398
|
1,100,806,454
|
321
|
7,822,194
|
50-54
|
44.8
|
3.5
|
43.5
|
164
|
3,756,537
|
32,797
|
768,461,595
|
367
|
8,642,182
|
55-59
|
46.3
|
3.9
|
48.1
|
138
|
3,094,756
|
17,846
|
384,423,883
|
298
|
6,440,002
|
60+
|
41.8
|
5.0
|
43.9
|
70
|
1,488,189
|
6,742
|
135,544,598
|
168
|
3,392,088
|
Total
|
47.8
|
1.7
|
49.6
|
752
|
18,055,373
|
279,558
|
6,502,789,272
|
1,575
|
36,374,778
|
By Attained Age
|
20-24
|
89.0
|
36.3
|
108.6
|
6
|
150,000
|
10,402
|
212,091,126
|
7
|
138,138
|
25-29
|
65.1
|
15.8
|
71.9
|
17
|
410,000
|
28,926
|
631,101,643
|
26
|
570,421
|
30-34
|
47.4
|
10.1
|
49.2
|
22
|
520,000
|
34,260
|
778,037,139
|
46
|
1,056,285
|
35-39
|
50.3
|
8.2
|
60.6
|
38
|
1,088,000
|
36,594
|
867,003,042
|
76
|
1,794,893
|
40-44
|
55.1
|
6.2
|
57.0
|
78
|
1,968,180
|
42,862
|
1,040,493,902
|
142
|
3,453,548
|
45-49
|
50.8
|
4.5
|
53.6
|
126
|
3,223,751
|
45,834
|
1,109,718,649
|
248
|
6,012,982
|
50-54
|
45.0
|
3.7
|
46.1
|
152
|
3,707,192
|
39,010
|
932,351,392
|
337
|
8,037,498
|
55-59
|
41.4
|
3.4
|
40.6
|
145
|
3,241,244
|
25,890
|
594,045,039
|
349
|
7,987,540
|
60-64
|
50.4
|
4.7
|
51.2
|
115
|
2,537,544
|
11,694
|
253,742,023
|
229
|
4,955,913
|
65+
|
46.2
|
6.3
|
51.1
|
53
|
1,209,462
|
4,085
|
84,205,316
|
115
|
2,367,560
|
Total
|
47.8
|
1.7
|
49.6
|
752
|
18,055,373
|
279,558
|
6,502,789,272
|
1,575
|
36,374,778
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.2
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.7
|
3.8
|
32.3
|
70
|
3,822,500
|
69,131
|
3,734,879,144
|
221
|
11,821,170
|
2
|
49.4
|
4.6
|
49.5
|
113
|
6,102,836
|
62,469
|
3,390,098,478
|
230
|
12,322,299
|
3
|
51.1
|
4.6
|
50.0
|
122
|
6,434,306
|
57,430
|
3,128,505,185
|
239
|
12,876,183
|
4
|
60.5
|
5.0
|
59.6
|
144
|
7,660,346
|
50,875
|
2,779,373,974
|
239
|
12,858,336
|
5
|
56.5
|
5.0
|
56.2
|
125
|
6,729,252
|
42,126
|
2,304,618,245
|
222
|
11,978,888
|
6
|
50.3
|
5.2
|
51.2
|
92
|
5,054,853
|
31,214
|
1,705,645,944
|
183
|
9,870,683
|
7+
|
65.7
|
4.4
|
66.3
|
228
|
12,389,601
|
46,789
|
2,548,827,041
|
347
|
18,696,209
|
Total
|
53.3
|
1.8
|
53.3
|
895
|
48,193,694
|
360,034
|
19,591,948,010
|
1,680
|
90,423,768
|
By Issue Age
|
20-24
|
32.0
|
14.3
|
32.3
|
5
|
275,000
|
20,540
|
1,120,393,406
|
16
|
850,693
|
25-29
|
78.0
|
12.3
|
82.1
|
40
|
2,314,823
|
46,627
|
2,565,971,441
|
51
|
2,819,821
|
30-34
|
46.7
|
6.9
|
46.8
|
46
|
2,535,870
|
57,961
|
3,193,387,014
|
98
|
5,420,062
|
35-39
|
56.1
|
5.5
|
57.5
|
102
|
5,769,741
|
66,732
|
3,674,034,625
|
182
|
10,025,742
|
40-44
|
56.4
|
4.3
|
56.5
|
174
|
9,461,694
|
69,392
|
3,764,269,470
|
309
|
16,746,972
|
45-49
|
54.7
|
3.7
|
54.5
|
215
|
11,504,303
|
53,863
|
2,891,600,766
|
393
|
21,092,559
|
50-54
|
48.0
|
3.7
|
46.8
|
170
|
8,802,036
|
30,564
|
1,622,164,222
|
354
|
18,822,921
|
55-59
|
54.4
|
5.2
|
54.5
|
110
|
5,825,327
|
11,434
|
605,653,125
|
202
|
10,693,676
|
60-64
|
47.7
|
8.7
|
46.6
|
30
|
1,544,900
|
2,577
|
136,163,245
|
63
|
3,317,614
|
65+
|
25.5
|
14.7
|
25.2
|
3
|
160,000
|
344
|
18,310,695
|
12
|
633,707
|
Total
|
53.3
|
1.8
|
53.3
|
895
|
48,193,694
|
360,034
|
19,591,948,010
|
1,680
|
90,423,768
|
By Attained Age
|
20-24
|
15.7
|
15.7
|
14.4
|
1
|
50,000
|
9,778
|
534,708,546
|
6
|
347,895
|
25-29
|
84.7
|
16.3
|
91.9
|
27
|
1,598,823
|
35,225
|
1,925,706,632
|
32
|
1,740,176
|
30-34
|
48.9
|
8.4
|
48.8
|
34
|
1,863,870
|
51,424
|
2,830,206,216
|
70
|
3,819,376
|
35-39
|
43.8
|
6.0
|
44.2
|
53
|
2,936,462
|
58,952
|
3,244,066,368
|
121
|
6,650,112
|
40-44
|
51.5
|
4.8
|
51.9
|
114
|
6,250,151
|
66,958
|
3,663,689,182
|
220
|
12,031,796
|
45-49
|
58.7
|
4.2
|
58.8
|
193
|
10,475,312
|
61,405
|
3,329,651,420
|
329
|
17,818,851
|
50-54
|
49.8
|
3.6
|
49.8
|
187
|
9,998,349
|
43,567
|
2,326,972,925
|
376
|
20,060,550
|
55-59
|
55.5
|
4.2
|
54.3
|
171
|
8,923,750
|
22,710
|
1,207,263,347
|
309
|
16,442,908
|
60-64
|
57.1
|
6.0
|
57.0
|
89
|
4,717,077
|
7,852
|
415,155,759
|
156
|
8,272,483
|
65+
|
42.6
|
8.3
|
42.6
|
26
|
1,379,900
|
2,162
|
114,527,614
|
61
|
3,239,622
|
Total
|
53.3
|
1.8
|
53.3
|
895
|
48,193,694
|
360,034
|
19,591,948,010
|
1,680
|
90,423,768
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.3
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.0
|
3.5
|
28.4
|
70
|
7,872,500
|
90,752
|
10,323,308,270
|
243
|
27,761,681
|
2
|
58.2
|
4.7
|
56.8
|
151
|
16,899,700
|
85,681
|
9,753,029,584
|
260
|
29,769,234
|
3
|
64.0
|
4.9
|
64.9
|
173
|
20,030,000
|
79,070
|
9,006,492,651
|
270
|
30,877,049
|
4
|
60.1
|
4.7
|
59.9
|
162
|
18,514,000
|
70,084
|
8,004,010,512
|
270
|
30,926,857
|
5
|
66.9
|
5.2
|
67.6
|
163
|
18,917,418
|
56,128
|
6,426,309,314
|
244
|
27,979,635
|
6
|
60.9
|
5.6
|
57.8
|
120
|
13,063,417
|
40,475
|
4,630,926,698
|
197
|
22,593,521
|
7+
|
65.6
|
4.2
|
66.6
|
243
|
28,377,507
|
58,805
|
6,754,043,846
|
370
|
42,603,613
|
Total
|
58.4
|
1.8
|
58.2
|
1,082
|
123,674,542
|
480,996
|
54,898,120,874
|
1,853
|
212,511,590
|
By Issue Age
|
20-24
|
66.8
|
16.7
|
62.8
|
16
|
1,667,500
|
31,751
|
3,524,134,794
|
24
|
2,655,574
|
25-29
|
66.9
|
8.9
|
65.8
|
56
|
6,165,880
|
75,816
|
8,489,155,396
|
84
|
9,372,487
|
30-34
|
61.6
|
6.0
|
63.6
|
104
|
12,245,000
|
99,921
|
11,391,787,491
|
169
|
19,259,643
|
35-39
|
55.3
|
4.6
|
56.3
|
145
|
17,025,385
|
98,806
|
11,380,555,507
|
263
|
30,219,817
|
40-44
|
61.2
|
4.1
|
61.6
|
225
|
26,271,750
|
83,411
|
9,656,653,488
|
368
|
42,638,713
|
45-49
|
58.1
|
3.9
|
58.5
|
226
|
26,174,000
|
52,918
|
6,074,252,762
|
390
|
44,739,545
|
50-54
|
57.2
|
4.2
|
54.8
|
184
|
20,349,205
|
26,747
|
3,071,282,869
|
323
|
37,145,593
|
55-59
|
51.8
|
5.4
|
49.8
|
91
|
9,950,822
|
9,574
|
1,081,478,300
|
176
|
19,996,079
|
60-64
|
58.2
|
11.0
|
59.6
|
28
|
3,225,000
|
1,778
|
198,357,276
|
48
|
5,414,784
|
65+
|
62.8
|
25.6
|
56.1
|
6
|
600,000
|
276
|
30,462,990
|
10
|
1,069,356
|
Total
|
58.4
|
1.8
|
58.2
|
1,082
|
123,674,542
|
480,996
|
54,898,120,874
|
1,853
|
212,511,590
|
By Attained Age
|
20-24
|
59.6
|
24.3
|
57.3
|
6
|
642,500
|
15,505
|
1,728,351,929
|
10
|
1,121,815
|
25-29
|
69.0
|
11.8
|
66.3
|
34
|
3,635,000
|
54,638
|
6,075,739,030
|
49
|
5,480,825
|
30-34
|
53.6
|
6.8
|
52.8
|
62
|
6,890,880
|
86,023
|
9,718,806,446
|
116
|
13,054,860
|
35-39
|
58.8
|
5.5
|
59.5
|
116
|
13,431,333
|
97,577
|
11,179,764,906
|
197
|
22,580,991
|
40-44
|
57.5
|
4.4
|
59.7
|
168
|
20,161,052
|
90,441
|
10,466,409,862
|
292
|
33,794,642
|
45-49
|
60.8
|
4.1
|
61.0
|
220
|
25,470,750
|
67,773
|
7,822,218,019
|
362
|
41,778,524
|
50-54
|
58.1
|
4.0
|
56.8
|
210
|
23,618,000
|
41,196
|
4,739,823,491
|
361
|
41,599,413
|
55-59
|
50.6
|
4.2
|
49.9
|
142
|
16,053,905
|
19,814
|
2,259,710,541
|
281
|
32,187,039
|
60-64
|
67.5
|
7.0
|
64.8
|
93
|
10,145,122
|
6,507
|
737,096,439
|
138
|
15,659,778
|
65+
|
66.4
|
11.9
|
69.0
|
31
|
3,626,000
|
1,524
|
170,200,212
|
47
|
5,253,703
|
Total
|
58.4
|
1.8
|
58.2
|
1,082
|
123,674,542
|
480,996
|
54,898,120,874
|
1,853
|
212,511,590
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.4
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
42.5
|
10.3
|
34.5
|
17
|
5,000,000
|
12,147
|
4,341,104,579
|
40
|
14,510,953
|
2
|
38.6
|
9.6
|
35.0
|
16
|
5,286,667
|
11,218
|
3,993,916,209
|
42
|
15,108,385
|
3
|
71.9
|
13.1
|
90.0
|
30
|
13,523,349
|
9,979
|
3,507,245,889
|
42
|
15,023,371
|
4
|
71.9
|
13.1
|
81.0
|
30
|
12,150,000
|
8,896
|
3,110,162,135
|
42
|
14,996,111
|
5
|
44.2
|
11.0
|
34.8
|
16
|
4,525,000
|
7,104
|
2,482,055,366
|
36
|
12,994,242
|
6
|
66.2
|
15.2
|
76.6
|
19
|
7,850,000
|
5,171
|
1,807,112,789
|
29
|
10,251,254
|
7+
|
73.3
|
11.6
|
63.8
|
40
|
12,250,000
|
7,857
|
2,718,379,866
|
55
|
19,194,713
|
Total
|
59.1
|
4.6
|
59.4
|
168
|
60,585,016
|
62,371
|
21,959,976,834
|
284
|
102,079,029
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,820
|
536,745,376
|
1
|
386,401
|
25-29
|
84.2
|
37.7
|
91.7
|
5
|
1,750,000
|
5,418
|
1,742,396,394
|
6
|
1,908,041
|
30-34
|
52.1
|
16.5
|
44.5
|
10
|
2,900,000
|
11,598
|
3,961,747,509
|
19
|
6,519,504
|
35-39
|
58.9
|
12.3
|
66.8
|
23
|
9,180,000
|
15,177
|
5,378,949,977
|
39
|
13,745,689
|
40-44
|
71.6
|
10.9
|
62.0
|
43
|
13,568,349
|
13,720
|
5,025,087,410
|
60
|
21,878,645
|
45-49
|
51.0
|
9.0
|
54.8
|
32
|
12,586,667
|
8,457
|
3,086,602,369
|
63
|
22,967,895
|
50-54
|
54.8
|
10.4
|
53.6
|
28
|
10,000,000
|
4,102
|
1,493,642,747
|
51
|
18,668,648
|
55-59
|
66.4
|
14.5
|
74.3
|
21
|
8,250,000
|
1,642
|
574,694,792
|
32
|
11,104,543
|
60-64
|
42.5
|
19.0
|
48.2
|
5
|
2,100,000
|
397
|
146,623,617
|
12
|
4,352,402
|
65+
|
63.6
|
63.6
|
45.7
|
1
|
250,000
|
39
|
13,486,644
|
2
|
547,261
|
Total
|
59.1
|
4.6
|
59.4
|
168
|
60,585,016
|
62,371
|
21,959,976,834
|
284
|
102,079,029
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
984
|
287,554,537
|
1
|
182,969
|
25-29
|
64.7
|
45.8
|
77.4
|
2
|
750,000
|
3,477
|
1,090,053,756
|
3
|
969,272
|
30-34
|
65.3
|
24.7
|
55.7
|
7
|
2,000,000
|
8,116
|
2,727,779,999
|
11
|
3,593,154
|
35-39
|
53.4
|
14.3
|
42.0
|
14
|
3,830,000
|
13,355
|
4,664,632,080
|
26
|
9,111,493
|
40-44
|
55.1
|
11.0
|
60.6
|
25
|
9,938,349
|
14,398
|
5,224,119,546
|
45
|
16,411,109
|
45-49
|
58.4
|
9.9
|
59.6
|
35
|
12,970,000
|
11,189
|
4,062,109,489
|
60
|
21,755,294
|
50-54
|
61.2
|
10.2
|
58.7
|
36
|
12,496,667
|
6,481
|
2,328,836,019
|
59
|
21,284,429
|
55-59
|
55.9
|
11.0
|
58.8
|
26
|
10,050,000
|
3,059
|
1,116,387,905
|
47
|
17,100,891
|
60+
|
69.6
|
14.5
|
73.3
|
23
|
8,550,000
|
1,312
|
458,503,504
|
33
|
11,670,419
|
Total
|
59.1
|
4.6
|
59.4
|
168
|
60,585,016
|
62,371
|
21,959,976,834
|
284
|
102,079,029
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.5
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.1
|
5.2
|
26.8
|
26
|
584,750
|
23,323
|
528,887,169
|
98
|
2,181,193
|
2
|
39.8
|
6.1
|
43.4
|
42
|
1,034,431
|
21,758
|
497,585,502
|
106
|
2,383,138
|
3
|
42.6
|
6.2
|
46.8
|
47
|
1,179,528
|
20,212
|
465,694,283
|
111
|
2,521,950
|
4
|
49.0
|
6.7
|
48.1
|
54
|
1,220,156
|
17,708
|
411,726,793
|
111
|
2,538,378
|
5
|
50.5
|
7.1
|
52.4
|
50
|
1,197,218
|
14,061
|
328,364,650
|
99
|
2,286,424
|
6
|
61.5
|
8.9
|
68.8
|
48
|
1,251,461
|
9,894
|
232,338,219
|
78
|
1,819,412
|
7+
|
49.7
|
6.4
|
55.4
|
60
|
1,620,534
|
12,007
|
288,755,318
|
121
|
2,926,845
|
Total
|
45.2
|
2.5
|
48.6
|
327
|
8,088,078
|
118,963
|
2,753,351,934
|
723
|
16,657,341
|
By Issue Age
|
20-24
|
65.9
|
33.0
|
108.9
|
4
|
135,000
|
9,022
|
184,262,248
|
6
|
123,927
|
25-29
|
86.7
|
25.0
|
99.0
|
12
|
305,000
|
14,834
|
331,542,954
|
14
|
308,043
|
30-34
|
26.2
|
10.7
|
25.7
|
6
|
135,000
|
16,030
|
367,781,539
|
23
|
526,245
|
35-39
|
47.7
|
10.9
|
53.5
|
19
|
521,581
|
17,378
|
418,212,683
|
40
|
974,991
|
40-44
|
47.3
|
7.6
|
51.2
|
39
|
1,030,257
|
19,586
|
474,476,445
|
83
|
2,011,917
|
45-49
|
49.6
|
5.9
|
54.1
|
71
|
1,878,117
|
19,042
|
457,483,158
|
144
|
3,470,607
|
50-54
|
40.7
|
4.8
|
40.7
|
72
|
1,698,777
|
13,361
|
310,801,993
|
178
|
4,178,661
|
55-59
|
45.7
|
5.5
|
50.1
|
69
|
1,661,238
|
7,162
|
155,611,450
|
152
|
3,315,397
|
60+
|
40.5
|
6.9
|
41.4
|
34
|
723,108
|
2,549
|
53,179,464
|
84
|
1,747,552
|
Total
|
45.2
|
2.5
|
48.6
|
327
|
8,088,078
|
118,963
|
2,753,351,934
|
723
|
16,657,341
|
By Attained Age
|
20-24
|
74.1
|
52.4
|
91.6
|
2
|
50,000
|
4,532
|
91,159,188
|
3
|
54,556
|
25-29
|
71.9
|
27.2
|
103.2
|
7
|
220,000
|
12,529
|
273,611,315
|
10
|
213,230
|
30-34
|
51.9
|
17.3
|
48.7
|
9
|
190,000
|
15,162
|
340,871,913
|
17
|
389,979
|
35-39
|
39.7
|
12.0
|
50.6
|
11
|
332,000
|
15,983
|
377,270,809
|
28
|
656,406
|
40-44
|
44.1
|
9.0
|
46.3
|
24
|
611,492
|
18,501
|
443,269,287
|
55
|
1,320,264
|
45-49
|
53.5
|
7.1
|
57.2
|
56
|
1,454,354
|
19,404
|
469,764,222
|
105
|
2,543,373
|
50-54
|
42.2
|
5.2
|
45.5
|
65
|
1,660,821
|
16,119
|
380,121,377
|
155
|
3,651,950
|
55-59
|
36.0
|
4.6
|
36.8
|
62
|
1,460,315
|
10,436
|
239,737,157
|
173
|
3,972,377
|
60-64
|
52.8
|
6.7
|
57.8
|
63
|
1,515,473
|
4,734
|
104,377,493
|
119
|
2,622,811
|
65+
|
46.3
|
8.9
|
48.2
|
27
|
593,623
|
1,564
|
33,169,173
|
58
|
1,232,395
|
Total
|
45.2
|
2.5
|
48.6
|
327
|
8,088,078
|
118,963
|
2,753,351,934
|
723
|
16,657,341
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.6
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.2
|
5.2
|
29.8
|
29
|
1,650,000
|
31,840
|
1,733,925,891
|
103
|
5,545,024
|
2
|
49.8
|
6.8
|
48.6
|
54
|
2,856,582
|
28,878
|
1,579,778,851
|
109
|
5,883,271
|
3
|
49.9
|
6.5
|
48.3
|
58
|
3,032,816
|
26,623
|
1,461,024,855
|
116
|
6,284,640
|
4
|
62.4
|
7.3
|
60.3
|
73
|
3,828,086
|
23,518
|
1,293,132,832
|
117
|
6,348,385
|
5
|
55.8
|
7.1
|
55.5
|
61
|
3,285,600
|
19,229
|
1,056,783,250
|
109
|
5,924,345
|
6
|
54.8
|
7.8
|
55.0
|
50
|
2,717,725
|
14,232
|
780,658,634
|
91
|
4,938,622
|
7+
|
59.8
|
5.7
|
59.3
|
108
|
5,803,499
|
21,447
|
1,172,495,273
|
181
|
9,779,728
|
Total
|
52.4
|
2.5
|
51.8
|
434
|
23,174,308
|
165,767
|
9,077,799,586
|
827
|
44,704,015
|
By Issue Age
|
20-24
|
15.7
|
15.7
|
14.4
|
1
|
50,000
|
9,340
|
511,823,660
|
6
|
347,524
|
25-29
|
90.1
|
21.2
|
93.3
|
18
|
1,033,296
|
21,133
|
1,172,195,804
|
20
|
1,107,529
|
30-34
|
20.6
|
7.3
|
18.6
|
8
|
400,000
|
26,919
|
1,491,683,453
|
39
|
2,154,186
|
35-39
|
42.3
|
7.6
|
42.7
|
31
|
1,730,520
|
30,446
|
1,686,457,241
|
73
|
4,056,629
|
40-44
|
46.5
|
5.8
|
46.8
|
64
|
3,515,629
|
31,894
|
1,742,656,187
|
138
|
7,515,752
|
45-49
|
53.5
|
5.2
|
52.8
|
104
|
5,531,500
|
24,979
|
1,346,806,441
|
194
|
10,469,275
|
50-54
|
56.3
|
5.4
|
55.0
|
109
|
5,712,036
|
14,235
|
762,640,765
|
194
|
10,378,904
|
55-59
|
65.1
|
7.4
|
64.8
|
78
|
4,163,327
|
5,541
|
295,835,234
|
120
|
6,426,784
|
60-64
|
55.3
|
12.7
|
54.6
|
19
|
988,000
|
1,086
|
57,177,276
|
34
|
1,808,342
|
65+
|
12.5
|
12.5
|
11.4
|
1
|
50,000
|
192
|
10,523,525
|
8
|
439,090
|
Total
|
52.4
|
2.5
|
51.8
|
434
|
23,174,308
|
165,767
|
9,077,799,586
|
827
|
44,704,015
|
By Attained Age
|
20-24
|
36.8
|
36.8
|
33.5
|
1
|
50,000
|
4,501
|
247,272,935
|
3
|
149,237
|
25-29
|
97.4
|
28.1
|
102.1
|
12
|
692,296
|
15,711
|
865,682,291
|
12
|
678,249
|
30-34
|
29.4
|
10.4
|
29.2
|
8
|
441,000
|
23,672
|
1,312,861,141
|
27
|
1,507,771
|
35-39
|
29.3
|
7.8
|
25.9
|
14
|
684,773
|
27,402
|
1,518,855,351
|
48
|
2,641,773
|
40-44
|
35.9
|
6.2
|
37.2
|
33
|
1,883,833
|
30,893
|
1,697,681,133
|
92
|
5,057,801
|
45-49
|
55.6
|
6.1
|
55.3
|
84
|
4,555,543
|
28,201
|
1,538,607,382
|
151
|
8,231,863
|
50-54
|
46.6
|
4.9
|
46.6
|
89
|
4,762,536
|
20,047
|
1,075,324,116
|
191
|
10,228,080
|
55-59
|
66.3
|
6.2
|
64.6
|
115
|
6,026,250
|
10,605
|
569,230,843
|
174
|
9,327,542
|
60-64
|
64.6
|
8.3
|
63.8
|
60
|
3,165,077
|
3,739
|
199,297,648
|
93
|
4,960,204
|
65+
|
47.2
|
11.4
|
47.5
|
17
|
913,000
|
995
|
52,986,745
|
36
|
1,921,496
|
Total
|
52.4
|
2.5
|
51.8
|
434
|
23,174,308
|
165,767
|
9,077,799,586
|
827
|
44,704,015
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.7
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.8
|
4.7
|
28.5
|
35
|
4,195,000
|
46,868
|
5,399,570,419
|
127
|
14,728,893
|
2
|
60.3
|
6.6
|
58.6
|
83
|
9,404,700
|
44,307
|
5,110,906,801
|
138
|
16,061,219
|
3
|
61.9
|
6.5
|
61.5
|
90
|
10,422,000
|
40,963
|
4,724,713,943
|
146
|
16,940,391
|
4
|
54.2
|
6.1
|
52.9
|
80
|
9,104,000
|
36,300
|
4,202,405,492
|
148
|
17,212,845
|
5
|
58.8
|
6.6
|
57.0
|
80
|
9,041,538
|
29,200
|
3,390,434,500
|
136
|
15,852,091
|
6
|
52.4
|
6.8
|
51.6
|
59
|
6,762,667
|
21,248
|
2,466,000,427
|
113
|
13,096,665
|
7+
|
63.4
|
5.3
|
65.5
|
143
|
17,236,000
|
31,750
|
3,700,820,261
|
225
|
26,296,751
|
Total
|
55.3
|
2.3
|
55.1
|
571
|
66,165,905
|
250,636
|
28,994,851,843
|
1,032
|
120,188,855
|
By Issue Age
|
20-24
|
76.0
|
26.9
|
72.4
|
8
|
850,000
|
15,465
|
1,726,529,713
|
11
|
1,173,247
|
25-29
|
79.3
|
15.0
|
78.0
|
28
|
3,110,000
|
36,957
|
4,167,551,371
|
35
|
3,988,107
|
30-34
|
59.6
|
8.9
|
62.4
|
45
|
5,435,000
|
51,494
|
5,931,112,895
|
75
|
8,711,141
|
35-39
|
48.0
|
6.2
|
46.8
|
59
|
6,753,333
|
51,723
|
6,048,182,901
|
123
|
14,422,765
|
40-44
|
53.4
|
5.3
|
54.1
|
103
|
12,311,000
|
44,767
|
5,263,634,508
|
193
|
22,754,319
|
45-49
|
51.8
|
4.8
|
52.8
|
115
|
13,704,000
|
28,294
|
3,305,948,933
|
222
|
25,953,496
|
50-54
|
60.4
|
5.4
|
59.0
|
125
|
14,294,205
|
15,005
|
1,756,185,431
|
207
|
24,221,887
|
55-59
|
51.1
|
6.5
|
49.0
|
62
|
6,858,367
|
5,618
|
645,265,749
|
122
|
13,991,225
|
60-64
|
55.3
|
12.4
|
56.7
|
20
|
2,350,000
|
1,139
|
130,231,176
|
36
|
4,143,228
|
65+
|
69.5
|
31.1
|
60.3
|
5
|
500,000
|
175
|
20,209,165
|
7
|
829,442
|
Total
|
55.3
|
2.3
|
55.1
|
571
|
66,165,905
|
250,636
|
28,994,851,843
|
1,032
|
120,188,855
|
By Attained Age
|
20-24
|
43.5
|
30.8
|
48.4
|
2
|
250,000
|
7,576
|
850,746,228
|
5
|
516,039
|
25-29
|
76.7
|
19.2
|
75.4
|
16
|
1,760,000
|
26,388
|
2,951,871,221
|
21
|
2,334,711
|
30-34
|
65.3
|
11.4
|
63.8
|
33
|
3,685,000
|
43,518
|
4,963,991,747
|
51
|
5,773,577
|
35-39
|
53.2
|
7.8
|
52.8
|
47
|
5,413,333
|
50,605
|
5,859,070,682
|
89
|
10,256,708
|
40-44
|
56.5
|
6.3
|
56.1
|
80
|
9,377,000
|
47,825
|
5,626,064,671
|
142
|
16,703,949
|
45-49
|
44.1
|
4.8
|
46.3
|
85
|
10,480,000
|
36,183
|
4,246,816,587
|
193
|
22,652,392
|
50-54
|
55.5
|
5.1
|
54.7
|
118
|
13,638,000
|
22,306
|
2,613,699,470
|
213
|
24,914,167
|
55-59
|
54.5
|
5.4
|
54.4
|
101
|
11,783,905
|
11,284
|
1,315,542,031
|
186
|
21,643,711
|
60-64
|
64.5
|
8.1
|
61.7
|
64
|
7,002,667
|
3,975
|
455,613,370
|
99
|
11,357,754
|
65+
|
68.0
|
13.9
|
68.8
|
24
|
2,776,000
|
975
|
111,435,834
|
35
|
4,035,848
|
Total
|
55.3
|
2.3
|
55.1
|
571
|
66,165,905
|
250,636
|
28,994,851,843
|
1,032
|
120,188,855
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.8
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.1
|
10.7
|
28.5
|
9
|
3,000,000
|
8,212
|
3,047,522,601
|
28
|
10,522,621
|
2
|
33.9
|
10.7
|
27.2
|
10
|
3,026,667
|
7,662
|
2,827,520,627
|
30
|
11,120,090
|
3
|
73.2
|
15.6
|
84.4
|
22
|
9,473,349
|
6,841
|
2,491,854,674
|
30
|
11,224,272
|
4
|
75.1
|
15.7
|
79.8
|
23
|
9,100,000
|
6,164
|
2,234,655,374
|
31
|
11,402,781
|
5
|
29.8
|
10.5
|
25.0
|
8
|
2,500,000
|
4,954
|
1,799,784,438
|
27
|
9,992,217
|
6
|
55.3
|
16.0
|
62.3
|
12
|
4,970,000
|
3,676
|
1,330,253,534
|
22
|
7,982,326
|
7+
|
71.5
|
13.1
|
61.6
|
30
|
9,400,000
|
5,610
|
2,008,956,243
|
42
|
15,250,864
|
Total
|
54.6
|
5.1
|
53.5
|
114
|
41,470,016
|
43,118
|
15,740,547,491
|
209
|
77,495,172
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,145
|
343,110,016
|
1
|
231,908
|
25-29
|
61.5
|
43.5
|
61.1
|
2
|
650,000
|
3,299
|
1,077,952,266
|
3
|
1,064,651
|
30-34
|
43.1
|
19.3
|
34.0
|
5
|
1,400,000
|
7,697
|
2,726,406,234
|
12
|
4,122,298
|
35-39
|
55.2
|
14.7
|
65.1
|
14
|
6,005,000
|
10,517
|
3,835,779,223
|
25
|
9,224,687
|
40-44
|
71.1
|
13.0
|
59.9
|
30
|
9,578,349
|
9,774
|
3,722,321,541
|
42
|
15,988,700
|
45-49
|
47.2
|
10.1
|
46.4
|
22
|
8,286,667
|
6,059
|
2,320,601,125
|
47
|
17,856,193
|
50-54
|
46.5
|
10.7
|
45.6
|
19
|
6,950,000
|
3,036
|
1,137,564,540
|
41
|
15,254,429
|
55-59
|
62.3
|
15.6
|
67.8
|
16
|
6,250,000
|
1,209
|
436,367,422
|
26
|
9,219,316
|
60-64
|
45.9
|
20.5
|
52.2
|
5
|
2,100,000
|
348
|
128,291,813
|
11
|
4,020,735
|
65+
|
68.9
|
68.9
|
48.8
|
1
|
250,000
|
34
|
12,153,311
|
1
|
512,255
|
Total
|
54.6
|
5.1
|
53.5
|
114
|
41,470,016
|
43,118
|
15,740,547,491
|
209
|
77,495,172
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
601
|
178,323,344
|
0
|
108,040
|
25-29
|
58.4
|
58.4
|
73.0
|
1
|
400,000
|
2,126
|
677,752,408
|
2
|
547,806
|
30-34
|
80.8
|
36.2
|
58.3
|
5
|
1,250,000
|
5,186
|
1,792,960,600
|
6
|
2,145,172
|
35-39
|
37.4
|
15.3
|
29.4
|
6
|
1,705,000
|
9,023
|
3,255,369,958
|
16
|
5,802,954
|
40-44
|
55.8
|
13.5
|
61.3
|
17
|
7,028,349
|
10,176
|
3,826,935,826
|
30
|
11,466,096
|
45-49
|
46.6
|
10.4
|
42.6
|
20
|
6,890,000
|
8,022
|
3,025,002,674
|
43
|
16,169,540
|
50-54
|
63.0
|
11.9
|
60.7
|
28
|
10,146,667
|
4,648
|
1,746,941,059
|
44
|
16,727,878
|
55-59
|
44.6
|
10.8
|
43.6
|
17
|
6,250,000
|
2,311
|
871,242,393
|
38
|
14,338,304
|
60+
|
70.3
|
15.7
|
76.6
|
20
|
7,800,000
|
1,026
|
366,019,231
|
28
|
10,189,383
|
Total
|
54.6
|
5.1
|
53.5
|
114
|
41,470,016
|
43,118
|
15,740,547,491
|
209
|
77,495,172
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.9
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.0
|
4.0
|
20.6
|
27
|
597,000
|
31,649
|
723,163,884
|
129
|
2,894,038
|
2
|
44.2
|
5.8
|
46.7
|
59
|
1,410,438
|
29,502
|
679,321,867
|
134
|
3,022,365
|
3
|
56.4
|
6.5
|
57.3
|
76
|
1,773,505
|
27,427
|
637,194,817
|
135
|
3,097,185
|
4
|
62.3
|
6.9
|
59.8
|
82
|
1,815,804
|
24,275
|
568,360,409
|
132
|
3,038,403
|
5
|
49.0
|
6.5
|
50.9
|
56
|
1,360,179
|
19,188
|
452,287,581
|
114
|
2,673,782
|
6
|
66.4
|
8.7
|
68.0
|
58
|
1,404,545
|
13,385
|
318,438,606
|
87
|
2,066,312
|
7+
|
55.1
|
6.8
|
54.9
|
66
|
1,605,824
|
15,169
|
370,670,175
|
120
|
2,925,353
|
Total
|
49.9
|
2.4
|
50.6
|
425
|
9,967,295
|
160,595
|
3,749,437,338
|
851
|
19,717,437
|
By Issue Age
|
20-24
|
72.1
|
27.3
|
79.3
|
7
|
160,000
|
11,849
|
246,133,132
|
10
|
201,851
|
25-29
|
64.8
|
16.7
|
62.0
|
15
|
320,000
|
18,987
|
423,671,973
|
23
|
515,874
|
30-34
|
68.2
|
13.4
|
78.7
|
26
|
700,000
|
20,163
|
470,643,182
|
38
|
889,284
|
35-39
|
44.5
|
8.3
|
52.0
|
29
|
830,750
|
22,237
|
543,507,314
|
65
|
1,597,346
|
40-44
|
57.8
|
7.0
|
61.2
|
69
|
1,793,180
|
26,689
|
653,321,273
|
119
|
2,928,832
|
45-49
|
46.3
|
5.1
|
43.8
|
82
|
1,907,006
|
26,356
|
643,323,296
|
177
|
4,351,587
|
50-54
|
48.7
|
5.1
|
46.1
|
92
|
2,057,760
|
19,436
|
457,659,601
|
189
|
4,463,521
|
55-59
|
46.9
|
5.7
|
45.9
|
68
|
1,433,518
|
10,685
|
228,812,433
|
146
|
3,124,605
|
60+
|
43.0
|
7.2
|
46.5
|
36
|
765,081
|
4,193
|
82,365,134
|
84
|
1,644,536
|
Total
|
49.9
|
2.4
|
50.6
|
425
|
9,967,295
|
160,595
|
3,749,437,338
|
851
|
19,717,437
|
By Attained Age
|
20-24
|
98.8
|
49.4
|
119.6
|
4
|
100,000
|
5,870
|
120,931,939
|
4
|
83,582
|
25-29
|
61.1
|
19.3
|
53.2
|
10
|
190,000
|
16,397
|
357,490,328
|
16
|
357,191
|
30-34
|
44.7
|
12.4
|
49.5
|
13
|
330,000
|
19,098
|
437,165,227
|
29
|
666,306
|
35-39
|
56.4
|
10.9
|
66.4
|
27
|
756,000
|
20,612
|
489,732,233
|
48
|
1,138,487
|
40-44
|
62.1
|
8.5
|
63.6
|
54
|
1,356,688
|
24,361
|
597,224,615
|
87
|
2,133,284
|
45-49
|
48.9
|
5.8
|
51.0
|
70
|
1,769,397
|
26,430
|
639,954,427
|
143
|
3,469,609
|
50-54
|
47.4
|
5.1
|
46.7
|
86
|
2,046,371
|
22,891
|
552,230,016
|
182
|
4,385,547
|
55-59
|
46.7
|
5.2
|
44.4
|
82
|
1,780,929
|
15,454
|
354,307,882
|
176
|
4,015,163
|
60-64
|
47.7
|
6.6
|
43.8
|
52
|
1,022,071
|
6,960
|
149,364,530
|
109
|
2,333,102
|
65+
|
46.1
|
9.0
|
54.3
|
26
|
615,839
|
2,521
|
51,036,142
|
56
|
1,135,165
|
Total
|
49.9
|
2.4
|
50.6
|
425
|
9,967,295
|
160,595
|
3,749,437,338
|
851
|
19,717,437
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.10
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.9
|
5.4
|
34.6
|
41
|
2,172,500
|
37,291
|
2,000,953,254
|
118
|
6,276,147
|
2
|
49.0
|
6.4
|
50.4
|
59
|
3,246,254
|
33,592
|
1,810,319,626
|
121
|
6,439,028
|
3
|
52.3
|
6.5
|
51.6
|
64
|
3,401,490
|
30,807
|
1,667,480,329
|
123
|
6,591,543
|
4
|
58.6
|
7.0
|
58.9
|
71
|
3,832,260
|
27,358
|
1,486,241,141
|
121
|
6,509,951
|
5
|
57.1
|
7.1
|
56.9
|
64
|
3,443,652
|
22,898
|
1,247,834,995
|
112
|
6,054,543
|
6
|
45.9
|
7.1
|
47.4
|
42
|
2,337,128
|
16,982
|
924,987,310
|
92
|
4,932,061
|
7+
|
72.1
|
6.6
|
73.9
|
120
|
6,586,102
|
25,342
|
1,376,331,768
|
166
|
8,916,482
|
Total
|
54.1
|
2.5
|
54.7
|
462
|
25,019,386
|
194,267
|
10,514,148,424
|
853
|
45,719,753
|
By Issue Age
|
20-24
|
43.1
|
21.6
|
44.7
|
4
|
225,000
|
11,199
|
608,569,747
|
9
|
503,168
|
25-29
|
70.3
|
15.0
|
74.8
|
22
|
1,281,527
|
25,494
|
1,393,775,636
|
31
|
1,712,292
|
30-34
|
63.9
|
10.4
|
65.4
|
38
|
2,135,870
|
31,042
|
1,701,703,562
|
59
|
3,265,876
|
35-39
|
65.4
|
7.8
|
67.7
|
71
|
4,039,221
|
36,286
|
1,987,577,384
|
109
|
5,969,113
|
40-44
|
64.4
|
6.1
|
64.4
|
110
|
5,946,065
|
37,497
|
2,021,613,283
|
171
|
9,231,221
|
45-49
|
55.9
|
5.3
|
56.2
|
111
|
5,972,803
|
28,884
|
1,544,794,325
|
199
|
10,623,284
|
50-54
|
38.0
|
4.9
|
36.6
|
61
|
3,090,000
|
16,329
|
859,523,456
|
161
|
8,444,017
|
55-59
|
38.4
|
6.9
|
39.0
|
31
|
1,662,000
|
5,893
|
309,817,891
|
81
|
4,266,892
|
60-64
|
38.6
|
11.6
|
36.9
|
11
|
556,900
|
1,491
|
78,985,970
|
28
|
1,509,272
|
65+
|
52.7
|
37.3
|
56.5
|
2
|
110,000
|
152
|
7,787,170
|
4
|
194,617
|
Total
|
54.1
|
2.5
|
54.7
|
462
|
25,019,386
|
194,267
|
10,514,148,424
|
853
|
45,719,753
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
5,278
|
287,435,612
|
4
|
198,658
|
25-29
|
76.7
|
19.8
|
85.4
|
15
|
906,527
|
19,514
|
1,060,024,341
|
20
|
1,061,927
|
30-34
|
61.5
|
12.1
|
61.6
|
26
|
1,422,870
|
27,752
|
1,517,345,075
|
42
|
2,311,605
|
35-39
|
53.2
|
8.5
|
56.2
|
39
|
2,251,689
|
31,550
|
1,725,211,017
|
73
|
4,008,339
|
40-44
|
62.8
|
7.0
|
62.6
|
80
|
4,366,318
|
36,064
|
1,966,008,049
|
128
|
6,973,996
|
45-49
|
61.3
|
5.9
|
61.7
|
109
|
5,919,769
|
33,204
|
1,791,044,037
|
178
|
9,586,988
|
50-54
|
53.0
|
5.4
|
53.3
|
98
|
5,235,813
|
23,520
|
1,251,648,809
|
185
|
9,832,470
|
55-59
|
41.5
|
5.5
|
40.7
|
56
|
2,897,500
|
12,105
|
638,032,504
|
135
|
7,115,366
|
60-64
|
46.1
|
8.5
|
46.9
|
29
|
1,552,000
|
4,113
|
215,858,111
|
63
|
3,312,278
|
65+
|
36.0
|
12.0
|
35.4
|
9
|
466,900
|
1,167
|
61,540,869
|
25
|
1,318,126
|
Total
|
54.1
|
2.5
|
54.7
|
462
|
25,019,386
|
194,267
|
10,514,148,424
|
853
|
45,719,753
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.11
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.3
|
5.1
|
28.2
|
35
|
3,677,500
|
43,884
|
4,923,737,850
|
116
|
13,032,788
|
2
|
55.9
|
6.8
|
54.7
|
68
|
7,495,000
|
41,374
|
4,642,122,783
|
122
|
13,708,016
|
3
|
66.3
|
7.3
|
68.9
|
82
|
9,608,000
|
38,107
|
4,281,778,708
|
124
|
13,936,658
|
4
|
67.3
|
7.4
|
68.6
|
82
|
9,410,000
|
33,784
|
3,801,605,020
|
122
|
13,714,012
|
5
|
77.1
|
8.5
|
81.4
|
83
|
9,875,880
|
26,928
|
3,035,874,814
|
108
|
12,127,543
|
6
|
72.2
|
9.2
|
66.3
|
61
|
6,300,750
|
19,227
|
2,164,926,271
|
85
|
9,496,855
|
7+
|
69.1
|
6.9
|
68.3
|
100
|
11,141,507
|
27,055
|
3,053,223,585
|
145
|
16,306,862
|
Total
|
62.3
|
2.8
|
62.3
|
512
|
57,508,637
|
230,360
|
25,903,269,031
|
821
|
92,322,735
|
By Issue Age
|
20-24
|
59.6
|
21.1
|
55.1
|
8
|
817,500
|
16,287
|
1,797,605,081
|
13
|
1,482,327
|
25-29
|
57.9
|
10.9
|
56.8
|
28
|
3,055,880
|
38,859
|
4,321,604,024
|
48
|
5,384,380
|
30-34
|
63.2
|
8.2
|
64.6
|
59
|
6,810,000
|
48,427
|
5,460,674,596
|
93
|
10,548,501
|
35-39
|
61.7
|
6.6
|
65.0
|
86
|
10,272,052
|
47,083
|
5,332,372,607
|
139
|
15,797,052
|
40-44
|
69.8
|
6.3
|
70.2
|
122
|
13,960,750
|
38,644
|
4,393,018,980
|
175
|
19,884,394
|
45-49
|
66.5
|
6.3
|
66.4
|
111
|
12,470,000
|
24,624
|
2,768,303,829
|
167
|
18,786,049
|
50-54
|
51.4
|
6.7
|
46.9
|
59
|
6,055,000
|
11,742
|
1,315,097,438
|
115
|
12,923,706
|
55-59
|
53.4
|
9.9
|
51.5
|
29
|
3,092,455
|
3,956
|
436,212,551
|
54
|
6,004,854
|
60-64
|
67.1
|
23.7
|
68.8
|
8
|
875,000
|
639
|
68,126,100
|
12
|
1,271,556
|
65+
|
42.5
|
42.5
|
41.7
|
1
|
100,000
|
101
|
10,253,825
|
2
|
239,914
|
Total
|
62.3
|
2.8
|
62.3
|
512
|
57,508,637
|
230,360
|
25,903,269,031
|
821
|
92,322,735
|
By Attained Age
|
20-24
|
73.1
|
36.5
|
64.8
|
4
|
392,500
|
7,929
|
877,605,701
|
5
|
605,776
|
25-29
|
63.3
|
14.9
|
59.6
|
18
|
1,875,000
|
28,249
|
3,123,867,809
|
28
|
3,146,114
|
30-34
|
44.6
|
8.3
|
44.0
|
29
|
3,205,880
|
42,505
|
4,754,814,700
|
65
|
7,281,283
|
35-39
|
63.4
|
7.6
|
65.1
|
69
|
8,018,000
|
46,971
|
5,320,694,224
|
109
|
12,324,284
|
40-44
|
58.5
|
6.2
|
63.1
|
88
|
10,784,052
|
42,617
|
4,840,345,190
|
150
|
17,090,693
|
45-49
|
79.9
|
6.9
|
78.4
|
135
|
14,990,750
|
31,589
|
3,575,401,432
|
169
|
19,126,131
|
50-54
|
61.7
|
6.5
|
59.8
|
91
|
9,980,000
|
18,890
|
2,126,124,021
|
148
|
16,685,246
|
55-59
|
43.0
|
6.7
|
40.5
|
41
|
4,270,000
|
8,530
|
944,168,510
|
95
|
10,543,328
|
60-64
|
75.0
|
13.9
|
73.0
|
29
|
3,142,455
|
2,532
|
281,483,068
|
39
|
4,302,024
|
65+
|
61.4
|
23.2
|
69.8
|
7
|
850,000
|
549
|
58,764,378
|
11
|
1,217,855
|
Total
|
62.3
|
2.8
|
62.3
|
512
|
57,508,637
|
230,360
|
25,903,269,031
|
821
|
92,322,735
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.12
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
66.9
|
23.7
|
50.1
|
8
|
2,000,000
|
3,935
|
1,293,581,978
|
12
|
3,988,332
|
2
|
50.2
|
20.4
|
56.7
|
6
|
2,260,000
|
3,557
|
1,166,395,582
|
12
|
3,988,295
|
3
|
68.7
|
24.3
|
106.6
|
8
|
4,050,000
|
3,138
|
1,015,391,215
|
12
|
3,799,099
|
4
|
63.0
|
23.8
|
84.9
|
7
|
3,050,000
|
2,732
|
875,506,761
|
11
|
3,593,330
|
5
|
85.4
|
30.2
|
67.5
|
8
|
2,025,000
|
2,150
|
682,270,928
|
9
|
3,002,025
|
6+
|
86.6
|
21.0
|
92.2
|
17
|
5,730,000
|
3,741
|
1,186,282,879
|
20
|
6,212,777
|
Total
|
71.4
|
9.7
|
77.8
|
54
|
19,115,000
|
19,253
|
6,219,429,344
|
76
|
24,583,857
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
676
|
193,635,360
|
1
|
154,493
|
25-29
|
111.8
|
64.5
|
130.4
|
3
|
1,100,000
|
2,119
|
664,444,128
|
3
|
843,390
|
30-34
|
65.9
|
29.5
|
62.6
|
5
|
1,500,000
|
3,901
|
1,235,341,274
|
8
|
2,397,206
|
35-39
|
65.8
|
21.9
|
70.2
|
9
|
3,175,000
|
4,660
|
1,543,170,754
|
14
|
4,521,002
|
40-44
|
72.7
|
20.1
|
67.7
|
13
|
3,990,000
|
3,947
|
1,302,765,869
|
18
|
5,889,944
|
45-49
|
62.0
|
19.6
|
84.1
|
10
|
4,300,000
|
2,399
|
766,001,244
|
16
|
5,111,702
|
50-54
|
88.0
|
29.3
|
89.3
|
9
|
3,050,000
|
1,066
|
356,078,207
|
10
|
3,414,219
|
55-59
|
84.3
|
37.7
|
106.1
|
5
|
2,000,000
|
433
|
138,327,370
|
6
|
1,885,227
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
53
|
19,665,137
|
1
|
366,673
|
Total
|
71.4
|
9.7
|
77.8
|
54
|
19,115,000
|
19,253
|
6,219,429,344
|
76
|
24,583,857
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
383
|
109,231,193
|
0
|
74,929
|
25-29
|
72.6
|
72.6
|
83.0
|
1
|
350,000
|
1,351
|
412,301,348
|
1
|
421,466
|
30-34
|
44.1
|
31.2
|
51.8
|
2
|
750,000
|
2,930
|
934,819,399
|
5
|
1,447,982
|
35-39
|
78.8
|
27.9
|
64.2
|
8
|
2,125,000
|
4,332
|
1,409,262,122
|
10
|
3,308,539
|
40-44
|
53.7
|
18.9
|
58.8
|
8
|
2,910,000
|
4,222
|
1,397,183,720
|
15
|
4,945,013
|
45-49
|
88.0
|
22.7
|
108.8
|
15
|
6,080,000
|
3,167
|
1,037,106,815
|
17
|
5,585,754
|
50-54
|
55.7
|
19.7
|
51.6
|
8
|
2,350,000
|
1,834
|
581,894,960
|
14
|
4,556,551
|
55-59
|
106.9
|
35.6
|
137.6
|
9
|
3,800,000
|
748
|
245,145,512
|
8
|
2,762,587
|
60+
|
65.3
|
37.7
|
50.6
|
3
|
750,000
|
287
|
92,484,274
|
5
|
1,481,036
|
Total
|
71.4
|
9.7
|
77.8
|
54
|
19,115,000
|
19,253
|
6,219,429,344
|
76
|
24,583,857
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.13
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
48.3
|
11.6
|
47.7
|
17
|
347,750
|
10,901
|
229,983,128
|
36
|
728,748
|
2
|
47.3
|
11.4
|
54.9
|
17
|
405,000
|
9,779
|
207,892,873
|
36
|
737,998
|
3
|
83.1
|
15.4
|
92.8
|
29
|
673,573
|
8,805
|
188,303,043
|
35
|
725,536
|
4
|
94.2
|
16.9
|
94.3
|
31
|
646,286
|
7,514
|
162,284,837
|
33
|
685,675
|
5
|
68.4
|
15.7
|
80.5
|
19
|
470,000
|
5,745
|
124,688,370
|
28
|
583,867
|
6
|
97.5
|
21.8
|
106.6
|
20
|
463,500
|
3,896
|
85,101,145
|
21
|
434,908
|
7+
|
80.8
|
16.9
|
80.0
|
23
|
498,674
|
4,300
|
95,963,026
|
28
|
623,338
|
Total
|
72.2
|
5.8
|
77.5
|
157
|
3,504,783
|
50,940
|
1,094,216,422
|
217
|
4,520,071
|
By Issue Age
|
20-24
|
76.3
|
44.1
|
96.9
|
3
|
75,000
|
5,273
|
104,394,747
|
4
|
77,438
|
25-29
|
74.5
|
30.4
|
89.3
|
6
|
155,000
|
7,559
|
164,256,051
|
8
|
173,523
|
30-34
|
67.1
|
23.7
|
72.5
|
8
|
190,000
|
7,181
|
157,461,335
|
12
|
262,187
|
35-39
|
66.7
|
17.8
|
75.7
|
14
|
374,000
|
7,952
|
186,638,032
|
21
|
493,847
|
40-44
|
66.1
|
13.0
|
76.6
|
26
|
665,565
|
9,183
|
203,273,733
|
39
|
869,031
|
45-49
|
83.3
|
12.5
|
93.0
|
44
|
1,031,008
|
7,717
|
160,804,532
|
53
|
1,109,089
|
50-54
|
60.9
|
11.7
|
56.5
|
27
|
502,960
|
4,103
|
81,433,745
|
45
|
889,867
|
55-59
|
75.1
|
17.1
|
64.4
|
19
|
301,250
|
1,575
|
28,597,708
|
26
|
467,451
|
60-64
|
98.3
|
34.8
|
121.5
|
8
|
185,000
|
365
|
6,680,375
|
8
|
152,273
|
65+
|
84.5
|
84.5
|
98.6
|
1
|
25,000
|
32
|
676,164
|
1
|
25,365
|
Total
|
72.2
|
5.8
|
77.5
|
157
|
3,504,783
|
50,940
|
1,094,216,422
|
217
|
4,520,071
|
By Attained Age
|
20-24
|
113.9
|
80.5
|
143.9
|
2
|
50,000
|
2,724
|
53,721,848
|
2
|
34,749
|
25-29
|
33.2
|
23.5
|
39.5
|
2
|
50,000
|
6,825
|
143,631,555
|
6
|
126,563
|
30-34
|
85.2
|
30.1
|
101.2
|
8
|
205,000
|
7,061
|
152,501,719
|
9
|
202,657
|
35-39
|
80.9
|
23.4
|
98.3
|
12
|
334,000
|
7,270
|
166,306,178
|
15
|
339,770
|
40-44
|
59.3
|
14.4
|
58.3
|
17
|
379,565
|
8,747
|
199,480,908
|
29
|
651,214
|
45-49
|
86.6
|
13.6
|
100.0
|
40
|
992,008
|
8,638
|
184,888,151
|
47
|
991,935
|
50-54
|
51.7
|
10.1
|
58.2
|
26
|
601,000
|
5,870
|
120,626,900
|
50
|
1,032,677
|
55-59
|
73.9
|
14.2
|
63.9
|
27
|
463,210
|
2,745
|
53,685,421
|
37
|
725,215
|
60-64
|
95.5
|
23.9
|
90.4
|
16
|
275,000
|
852
|
15,263,110
|
17
|
304,351
|
65+
|
108.2
|
44.2
|
139.7
|
6
|
155,000
|
210
|
4,110,631
|
6
|
110,939
|
Total
|
72.2
|
5.8
|
77.5
|
157
|
3,504,783
|
50,940
|
1,094,216,422
|
217
|
4,520,071
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.14
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
80.0
|
14.6
|
77.2
|
30
|
1,560,000
|
15,958
|
864,493,738
|
38
|
2,021,498
|
3
|
82.8
|
21.4
|
87.4
|
15
|
851,000
|
6,291
|
341,778,806
|
18
|
973,785
|
4
|
95.6
|
23.2
|
98.0
|
17
|
934,770
|
5,434
|
294,982,413
|
18
|
954,268
|
5
|
50.1
|
17.7
|
49.9
|
8
|
428,725
|
4,322
|
234,530,791
|
16
|
858,492
|
6
|
98.0
|
27.2
|
97.3
|
13
|
689,128
|
3,128
|
169,236,465
|
13
|
708,449
|
7+
|
101.3
|
18.5
|
109.6
|
30
|
1,722,396
|
4,843
|
260,854,775
|
30
|
1,571,197
|
Total
|
85.5
|
8.0
|
87.3
|
113
|
6,186,019
|
39,976
|
2,165,876,989
|
132
|
7,087,690
|
By Issue Age
|
20-39
|
73.7
|
12.8
|
74.9
|
33
|
1,823,519
|
27,271
|
1,489,383,612
|
45
|
2,435,694
|
40-44
|
96.5
|
18.2
|
100.0
|
28
|
1,550,000
|
6,659
|
355,553,745
|
29
|
1,550,022
|
45-49
|
88.9
|
17.7
|
93.1
|
25
|
1,396,000
|
3,907
|
207,910,129
|
28
|
1,499,722
|
50-54
|
73.2
|
19.6
|
75.7
|
14
|
770,000
|
1,594
|
84,406,508
|
19
|
1,016,576
|
55+
|
116.2
|
32.2
|
110.4
|
13
|
646,500
|
546
|
28,622,995
|
11
|
585,677
|
Total
|
85.5
|
8.0
|
87.3
|
113
|
6,186,019
|
39,976
|
2,165,876,989
|
132
|
7,087,690
|
By Attained Age
|
20-44
|
71.6
|
11.5
|
72.0
|
39
|
2,121,123
|
30,273
|
1,648,342,509
|
54
|
2,946,373
|
45-49
|
96.4
|
18.5
|
101.6
|
27
|
1,533,396
|
5,328
|
286,014,499
|
28
|
1,509,158
|
50-54
|
79.2
|
18.2
|
84.4
|
19
|
1,075,000
|
2,786
|
148,001,769
|
24
|
1,273,771
|
55-59
|
101.0
|
25.3
|
97.6
|
16
|
815,000
|
1,155
|
60,720,709
|
16
|
835,270
|
60+
|
120.2
|
34.7
|
122.6
|
12
|
641,500
|
434
|
22,797,503
|
10
|
523,118
|
Total
|
85.5
|
8.0
|
87.3
|
113
|
6,186,019
|
39,976
|
2,165,876,989
|
132
|
7,087,690
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.15
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
41.5
|
16.8
|
37.3
|
6
|
610,000
|
7,527
|
832,614,362
|
15
|
1,634,781
|
2
|
61.3
|
20.4
|
58.1
|
9
|
950,000
|
6,561
|
724,347,282
|
15
|
1,635,677
|
3
|
110.4
|
27.6
|
117.8
|
16
|
1,900,000
|
5,658
|
624,203,414
|
14
|
1,613,514
|
4
|
51.2
|
19.3
|
51.4
|
7
|
784,000
|
4,767
|
527,624,900
|
14
|
1,526,197
|
5
|
162.1
|
37.2
|
161.1
|
19
|
2,120,880
|
3,605
|
399,990,742
|
12
|
1,316,392
|
6
|
65.7
|
26.8
|
61.0
|
6
|
625,000
|
2,498
|
277,678,379
|
9
|
1,024,371
|
7+
|
103.2
|
25.0
|
112.3
|
17
|
2,079,000
|
3,474
|
389,895,254
|
16
|
1,851,920
|
Total
|
84.4
|
9.4
|
85.5
|
80
|
9,068,880
|
34,090
|
3,776,354,334
|
95
|
10,602,852
|
By Issue Age
|
20-39
|
59.1
|
12.3
|
59.2
|
23
|
2,555,880
|
25,603
|
2,819,605,670
|
39
|
4,317,695
|
40-44
|
94.1
|
21.6
|
97.3
|
19
|
2,204,000
|
4,716
|
528,583,406
|
20
|
2,266,268
|
45-49
|
157.2
|
29.7
|
160.6
|
28
|
3,299,000
|
2,472
|
285,138,507
|
18
|
2,054,188
|
50-54
|
34.1
|
17.1
|
30.6
|
4
|
400,000
|
1,001
|
111,322,627
|
12
|
1,307,310
|
55-59
|
105.4
|
46.7
|
98.6
|
5
|
510,000
|
246
|
26,421,795
|
5
|
517,461
|
60+
|
72.9
|
72.9
|
71.5
|
1
|
100,000
|
51
|
5,282,329
|
1
|
139,931
|
Total
|
84.4
|
9.4
|
85.5
|
80
|
9,068,880
|
34,090
|
3,776,354,334
|
95
|
10,602,852
|
By Attained Age
|
20-39
|
44.9
|
12.4
|
45.6
|
13
|
1,455,880
|
22,376
|
2,454,760,335
|
29
|
3,190,935
|
40-44
|
69.0
|
19.9
|
66.7
|
12
|
1,300,000
|
5,526
|
619,995,619
|
17
|
1,948,664
|
45-49
|
152.8
|
28.4
|
152.0
|
29
|
3,290,000
|
3,588
|
409,027,748
|
19
|
2,165,136
|
50-54
|
102.9
|
25.7
|
113.6
|
16
|
2,013,000
|
1,760
|
200,592,631
|
16
|
1,772,250
|
55-59
|
66.7
|
27.0
|
60.2
|
6
|
610,000
|
638
|
70,378,854
|
9
|
1,013,581
|
60+
|
82.8
|
41.4
|
78.1
|
4
|
400,000
|
202
|
21,599,147
|
5
|
512,287
|
Total
|
84.4
|
9.4
|
85.5
|
80
|
9,068,880
|
34,090
|
3,776,354,334
|
95
|
10,602,852
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.16
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
184.0
|
106.2
|
176.6
|
3
|
1,000,000
|
614
|
208,893,761
|
2
|
566,265
|
2
|
66.8
|
66.8
|
49.4
|
1
|
250,000
|
520
|
170,922,130
|
1
|
505,825
|
3
|
218.1
|
125.9
|
281.5
|
3
|
1,300,000
|
429
|
138,104,746
|
1
|
461,732
|
4
|
68.7
|
68.7
|
50.1
|
1
|
250,000
|
398
|
131,704,289
|
1
|
498,787
|
5
|
81.0
|
81.0
|
58.1
|
1
|
250,000
|
322
|
107,807,947
|
1
|
430,049
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
234
|
77,510,372
|
1
|
324,164
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
415
|
136,874,979
|
2
|
761,198
|
Total
|
86.0
|
28.7
|
86.0
|
9
|
3,050,000
|
2,933
|
971,818,223
|
10
|
3,548,021
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
152
|
45,837,931
|
0
|
32,696
|
25-29
|
246.6
|
246.6
|
281.0
|
1
|
350,000
|
400
|
122,086,022
|
0
|
124,552
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
666
|
220,874,923
|
1
|
361,676
|
35-39
|
113.4
|
80.2
|
95.2
|
2
|
550,000
|
670
|
221,076,734
|
2
|
577,607
|
40-44
|
126.5
|
73.0
|
130.9
|
3
|
1,150,000
|
546
|
197,383,954
|
2
|
878,647
|
45-49
|
111.3
|
64.2
|
116.5
|
3
|
1,000,000
|
361
|
116,646,937
|
3
|
858,254
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
84
|
29,319,426
|
1
|
369,713
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
53
|
18,592,295
|
1
|
344,877
|
Total
|
86.0
|
28.7
|
86.0
|
9
|
3,050,000
|
2,933
|
971,818,223
|
10
|
3,548,021
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
76
|
22,771,904
|
0
|
14,080
|
25-29
|
389.8
|
389.8
|
454.0
|
1
|
350,000
|
300
|
90,189,998
|
0
|
77,097
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
468
|
150,780,441
|
1
|
188,667
|
35-39
|
81.7
|
81.7
|
74.5
|
1
|
300,000
|
642
|
211,943,744
|
1
|
402,859
|
40-44
|
150.7
|
87.0
|
111.5
|
3
|
750,000
|
641
|
218,003,958
|
2
|
672,755
|
45-49
|
155.5
|
77.7
|
180.6
|
4
|
1,650,000
|
482
|
170,236,268
|
3
|
913,788
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
215
|
70,580,107
|
2
|
644,609
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
85
|
29,849,645
|
1
|
463,806
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
23
|
7,462,158
|
1
|
170,362
|
Total
|
86.0
|
28.7
|
86.0
|
9
|
3,050,000
|
2,933
|
971,818,223
|
10
|
3,548,021
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.17
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
83.1
|
21.9
|
84.3
|
14
|
299,750
|
5,409
|
115,645,488
|
17
|
355,783
|
2
|
52.8
|
17.5
|
61.7
|
9
|
220,000
|
4,704
|
101,549,605
|
17
|
356,330
|
3
|
96.2
|
24.0
|
114.6
|
16
|
402,573
|
4,194
|
90,882,264
|
17
|
351,180
|
4
|
90.3
|
24.1
|
105.6
|
14
|
345,531
|
3,510
|
76,470,008
|
16
|
327,185
|
5
|
53.4
|
20.2
|
73.8
|
7
|
205,000
|
2,666
|
58,105,291
|
13
|
277,833
|
6
|
93.6
|
31.2
|
108.7
|
9
|
223,500
|
1,789
|
39,406,572
|
10
|
205,634
|
7+
|
70.2
|
22.2
|
84.0
|
10
|
265,000
|
2,025
|
44,930,804
|
14
|
315,661
|
Total
|
76.7
|
8.6
|
89.6
|
80
|
1,961,354
|
24,297
|
526,990,030
|
104
|
2,189,607
|
By Issue Age
|
20-24
|
57.3
|
57.3
|
72.6
|
1
|
25,000
|
2,570
|
51,033,943
|
2
|
34,428
|
25-29
|
83.8
|
48.4
|
103.2
|
3
|
80,000
|
3,874
|
84,987,045
|
4
|
77,485
|
30-34
|
60.8
|
35.1
|
69.1
|
3
|
75,000
|
3,485
|
76,374,522
|
5
|
108,583
|
35-39
|
103.0
|
34.3
|
106.2
|
9
|
217,000
|
3,781
|
88,384,605
|
9
|
204,409
|
40-44
|
71.9
|
19.9
|
87.3
|
13
|
355,565
|
4,418
|
99,333,046
|
18
|
407,324
|
45-49
|
94.6
|
19.2
|
127.1
|
24
|
681,008
|
3,536
|
74,104,588
|
26
|
535,971
|
50-54
|
56.4
|
15.6
|
51.4
|
13
|
246,531
|
1,847
|
37,739,174
|
23
|
479,609
|
55-59
|
69.7
|
22.9
|
68.1
|
9
|
171,250
|
643
|
12,237,698
|
13
|
251,582
|
60-64
|
85.3
|
49.2
|
123.7
|
3
|
85,000
|
116
|
2,249,310
|
4
|
68,719
|
65+
|
97.6
|
97.6
|
116.3
|
1
|
25,000
|
27
|
546,098
|
1
|
21,496
|
Total
|
76.7
|
8.6
|
89.6
|
80
|
1,961,354
|
24,297
|
526,990,030
|
104
|
2,189,607
|
By Attained Age
|
20-24
|
130.4
|
130.4
|
165.2
|
1
|
25,000
|
1,286
|
25,267,400
|
1
|
15,131
|
25-29
|
36.2
|
36.2
|
42.4
|
1
|
25,000
|
3,541
|
75,605,294
|
3
|
58,919
|
30-34
|
101.8
|
50.9
|
124.3
|
4
|
105,000
|
3,457
|
74,438,671
|
4
|
84,445
|
35-39
|
115.1
|
43.5
|
140.8
|
7
|
197,000
|
3,509
|
80,457,816
|
6
|
139,885
|
40-44
|
63.9
|
22.6
|
57.7
|
8
|
164,565
|
4,207
|
96,066,565
|
13
|
285,064
|
45-49
|
111.3
|
22.6
|
135.6
|
24
|
642,008
|
4,049
|
88,518,896
|
22
|
473,496
|
50-54
|
48.2
|
13.9
|
64.6
|
12
|
331,000
|
2,655
|
54,382,105
|
25
|
512,009
|
55-59
|
70.1
|
19.3
|
65.0
|
13
|
251,781
|
1,148
|
23,564,924
|
19
|
387,334
|
60-64
|
54.0
|
24.1
|
61.2
|
5
|
110,000
|
372
|
7,244,996
|
9
|
179,740
|
65+
|
150.9
|
75.4
|
205.3
|
4
|
110,000
|
73
|
1,443,362
|
3
|
53,584
|
Total
|
76.7
|
8.6
|
89.6
|
80
|
1,961,354
|
24,297
|
526,990,030
|
104
|
2,189,607
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.18
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
82.6
|
20.0
|
75.7
|
17
|
840,000
|
9,197
|
500,612,992
|
21
|
1,109,564
|
3
|
81.0
|
28.6
|
89.3
|
8
|
476,000
|
3,523
|
192,319,381
|
10
|
533,141
|
4
|
91.9
|
30.6
|
91.1
|
9
|
480,000
|
3,027
|
164,988,733
|
10
|
527,057
|
5
|
22.7
|
16.0
|
18.8
|
2
|
89,600
|
2,376
|
129,633,244
|
9
|
476,895
|
6
|
67.8
|
30.3
|
69.4
|
5
|
275,000
|
1,714
|
93,416,053
|
7
|
395,990
|
7+
|
98.0
|
23.8
|
106.3
|
17
|
980,000
|
2,620
|
141,780,971
|
17
|
921,748
|
Total
|
78.6
|
10.3
|
79.2
|
58
|
3,140,600
|
22,457
|
1,222,751,373
|
74
|
3,964,395
|
By Issue Age
|
20-39
|
53.1
|
15.3
|
50.2
|
12
|
620,000
|
15,414
|
847,298,531
|
23
|
1,235,812
|
40-44
|
102.2
|
25.5
|
106.1
|
16
|
885,000
|
3,719
|
198,045,908
|
16
|
834,224
|
45-49
|
80.6
|
22.4
|
88.1
|
13
|
751,000
|
2,144
|
113,776,280
|
16
|
852,128
|
50-54
|
82.1
|
26.0
|
82.8
|
10
|
545,000
|
889
|
48,120,294
|
12
|
658,195
|
55+
|
96.6
|
36.5
|
88.4
|
7
|
339,600
|
290
|
15,510,361
|
7
|
384,035
|
Total
|
78.6
|
10.3
|
79.2
|
58
|
3,140,600
|
22,457
|
1,222,751,373
|
74
|
3,964,395
|
By Attained Age
|
20-44
|
50.4
|
13.5
|
47.7
|
14
|
720,000
|
17,150
|
938,799,841
|
28
|
1,509,310
|
45-49
|
115.9
|
27.3
|
124.3
|
18
|
1,036,000
|
2,953
|
158,620,872
|
16
|
833,625
|
50-54
|
71.4
|
22.6
|
73.7
|
10
|
550,000
|
1,507
|
80,207,351
|
14
|
746,058
|
55-59
|
81.7
|
28.9
|
76.5
|
8
|
400,000
|
606
|
32,329,052
|
10
|
522,823
|
60+
|
119.9
|
42.4
|
123.3
|
8
|
434,600
|
241
|
12,794,258
|
7
|
352,579
|
Total
|
78.6
|
10.3
|
79.2
|
58
|
3,140,600
|
22,457
|
1,222,751,373
|
74
|
3,964,395
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.19
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
34.7
|
19.7
|
30.8
|
3
|
310,000
|
4,798
|
534,103,280
|
9
|
1,006,880
|
2
|
89.8
|
31.8
|
84.8
|
8
|
850,000
|
4,151
|
461,546,993
|
9
|
1,002,936
|
3
|
113.8
|
36.0
|
111.5
|
10
|
1,100,000
|
3,544
|
393,288,435
|
9
|
986,889
|
4
|
70.4
|
28.7
|
71.2
|
6
|
684,000
|
3,020
|
336,829,057
|
9
|
960,986
|
5
|
148.4
|
44.7
|
145.5
|
11
|
1,225,000
|
2,295
|
256,763,045
|
7
|
841,967
|
6
|
50.1
|
29.0
|
47.8
|
3
|
325,000
|
1,598
|
180,085,320
|
6
|
679,491
|
7+
|
133.4
|
34.4
|
139.6
|
15
|
1,779,000
|
2,233
|
254,244,422
|
11
|
1,274,402
|
Total
|
93.8
|
12.5
|
92.9
|
56
|
6,273,000
|
21,638
|
2,416,860,552
|
60
|
6,753,551
|
By Issue Age
|
20-39
|
74.3
|
18.0
|
70.3
|
17
|
1,800,000
|
16,333
|
1,810,293,433
|
23
|
2,561,713
|
40-44
|
89.5
|
27.0
|
93.5
|
11
|
1,304,000
|
2,942
|
333,433,489
|
12
|
1,393,948
|
45-49
|
154.1
|
36.3
|
157.0
|
18
|
2,159,000
|
1,547
|
182,702,439
|
12
|
1,375,360
|
50-54
|
50.3
|
25.2
|
44.6
|
4
|
400,000
|
603
|
67,997,114
|
8
|
897,239
|
55-59
|
129.4
|
57.3
|
122.5
|
5
|
510,000
|
178
|
18,851,748
|
4
|
416,171
|
60+
|
94.1
|
94.1
|
91.6
|
1
|
100,000
|
34
|
3,582,329
|
1
|
109,121
|
Total
|
93.8
|
12.5
|
92.9
|
56
|
6,273,000
|
21,638
|
2,416,860,552
|
60
|
6,753,551
|
By Attained Age
|
20-39
|
59.4
|
18.8
|
53.6
|
10
|
1,000,000
|
14,225
|
1,568,293,716
|
17
|
1,864,361
|
40-44
|
86.0
|
28.7
|
84.0
|
9
|
1,000,000
|
3,560
|
404,406,104
|
10
|
1,190,297
|
45-49
|
135.9
|
34.0
|
142.1
|
16
|
1,950,000
|
2,233
|
260,127,574
|
12
|
1,372,109
|
50-54
|
109.2
|
32.9
|
113.2
|
11
|
1,313,000
|
1,060
|
122,247,424
|
10
|
1,159,943
|
55-59
|
92.8
|
37.6
|
83.0
|
6
|
610,000
|
404
|
45,202,455
|
7
|
735,313
|
60+
|
98.0
|
49.0
|
92.7
|
4
|
400,000
|
156
|
16,583,280
|
4
|
431,527
|
Total
|
93.8
|
12.5
|
92.9
|
56
|
6,273,000
|
21,638
|
2,416,860,552
|
60
|
6,753,551
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.20
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
244.4
|
141.1
|
230.7
|
3
|
1,000,000
|
471
|
163,165,944
|
1
|
433,420
|
2
|
90.8
|
90.8
|
66.8
|
1
|
250,000
|
387
|
128,405,382
|
1
|
374,213
|
3
|
99.8
|
99.8
|
87.1
|
1
|
300,000
|
318
|
104,680,969
|
1
|
344,449
|
4
|
92.1
|
92.1
|
65.7
|
1
|
250,000
|
297
|
100,920,873
|
1
|
380,509
|
5
|
0.0
|
0.0
|
0.0
|
0
|
0
|
237
|
81,547,210
|
1
|
328,853
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
176
|
59,843,492
|
1
|
248,563
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
328
|
111,427,705
|
2
|
634,229
|
Total
|
75.7
|
30.9
|
65.6
|
6
|
1,800,000
|
2,215
|
749,991,576
|
8
|
2,744,236
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
115
|
34,748,656
|
0
|
23,303
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
306
|
92,998,222
|
0
|
90,280
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
498
|
173,353,037
|
1
|
267,813
|
35-39
|
150.8
|
106.6
|
123.2
|
2
|
550,000
|
521
|
175,501,793
|
1
|
446,298
|
40-44
|
114.2
|
80.7
|
74.9
|
2
|
500,000
|
410
|
151,234,237
|
2
|
667,863
|
45-49
|
94.5
|
66.8
|
110.9
|
2
|
750,000
|
269
|
87,086,887
|
2
|
676,525
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60
|
22,756,585
|
1
|
307,758
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
37
|
12,312,158
|
1
|
264,397
|
Total
|
75.7
|
30.9
|
65.6
|
6
|
1,800,000
|
2,215
|
749,991,576
|
8
|
2,744,236
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
61
|
18,264,136
|
0
|
10,872
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
218
|
65,949,075
|
0
|
52,855
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
360
|
118,427,721
|
0
|
140,001
|
35-39
|
119.9
|
119.9
|
104.9
|
1
|
300,000
|
473
|
161,745,026
|
1
|
285,921
|
40-44
|
198.2
|
114.4
|
142.5
|
3
|
750,000
|
508
|
176,722,055
|
2
|
526,342
|
45-49
|
108.1
|
76.4
|
112.6
|
2
|
750,000
|
345
|
123,590,352
|
2
|
665,809
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
168
|
57,011,544
|
2
|
539,134
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
62
|
22,069,508
|
1
|
371,468
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
19
|
6,212,158
|
0
|
151,834
|
Total
|
75.7
|
30.9
|
65.6
|
6
|
1,800,000
|
2,215
|
749,991,576
|
8
|
2,744,236
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.21
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.1
|
9.3
|
12.9
|
3
|
48,000
|
5,492
|
114,337,641
|
19
|
372,965
|
2
|
42.3
|
14.9
|
48.5
|
8
|
185,000
|
5,075
|
106,343,269
|
19
|
381,669
|
3
|
71.1
|
19.7
|
72.4
|
13
|
271,000
|
4,611
|
97,420,779
|
18
|
374,357
|
4
|
97.6
|
23.7
|
83.9
|
17
|
300,755
|
4,004
|
85,814,829
|
17
|
358,490
|
5
|
81.8
|
23.6
|
86.6
|
12
|
265,000
|
3,079
|
66,583,079
|
15
|
306,033
|
6
|
101.0
|
30.4
|
104.7
|
11
|
240,000
|
2,107
|
45,694,574
|
11
|
229,274
|
7+
|
91.5
|
25.4
|
75.9
|
13
|
233,674
|
2,275
|
51,032,222
|
14
|
307,677
|
Total
|
68.1
|
7.8
|
66.2
|
77
|
1,543,429
|
26,644
|
567,226,392
|
113
|
2,330,464
|
By Issue Age
|
20-24
|
91.6
|
64.8
|
116.3
|
2
|
50,000
|
2,703
|
53,360,804
|
2
|
43,010
|
25-29
|
67.1
|
38.7
|
78.1
|
3
|
75,000
|
3,686
|
79,269,006
|
4
|
96,038
|
30-34
|
71.5
|
32.0
|
74.9
|
5
|
115,000
|
3,696
|
81,086,813
|
7
|
153,603
|
35-39
|
40.8
|
18.3
|
54.2
|
5
|
157,000
|
4,171
|
98,253,427
|
12
|
289,438
|
40-44
|
61.2
|
17.0
|
67.1
|
13
|
310,000
|
4,765
|
103,940,687
|
21
|
461,707
|
45-49
|
72.9
|
16.3
|
61.1
|
20
|
350,000
|
4,181
|
86,699,944
|
28
|
573,117
|
50-54
|
65.9
|
17.6
|
62.5
|
14
|
256,429
|
2,256
|
43,694,570
|
21
|
410,259
|
55-59
|
80.8
|
25.5
|
60.2
|
10
|
130,000
|
931
|
16,360,010
|
12
|
215,869
|
60+
|
104.7
|
46.8
|
114.4
|
5
|
100,000
|
255
|
4,561,132
|
5
|
87,423
|
Total
|
68.1
|
7.8
|
66.2
|
77
|
1,543,429
|
26,644
|
567,226,392
|
113
|
2,330,464
|
By Attained Age
|
20-24
|
101.0
|
101.0
|
127.4
|
1
|
25,000
|
1,438
|
28,454,447
|
1
|
19,619
|
25-29
|
30.6
|
30.6
|
37.0
|
1
|
25,000
|
3,284
|
68,026,261
|
3
|
67,643
|
30-34
|
73.3
|
36.6
|
84.6
|
4
|
100,000
|
3,604
|
78,063,048
|
5
|
118,212
|
35-39
|
57.1
|
25.5
|
68.5
|
5
|
137,000
|
3,761
|
85,848,362
|
9
|
199,885
|
40-44
|
55.7
|
18.6
|
58.7
|
9
|
215,000
|
4,540
|
103,414,343
|
16
|
366,150
|
45-49
|
64.9
|
16.2
|
67.5
|
16
|
350,000
|
4,589
|
96,369,255
|
25
|
518,439
|
50-54
|
55.2
|
14.8
|
51.9
|
14
|
270,000
|
3,215
|
66,244,795
|
25
|
520,668
|
55-59
|
77.8
|
20.8
|
62.6
|
14
|
211,429
|
1,597
|
30,120,497
|
18
|
337,882
|
60-64
|
146.9
|
44.3
|
132.4
|
11
|
165,000
|
480
|
8,018,115
|
7
|
124,612
|
65+
|
69.2
|
48.9
|
78.5
|
2
|
45,000
|
137
|
2,667,269
|
3
|
57,355
|
Total
|
68.1
|
7.8
|
66.2
|
77
|
1,543,429
|
26,644
|
567,226,392
|
113
|
2,330,464
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.22
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-3
|
79.5
|
17.7
|
81.0
|
20
|
1,095,000
|
9,529
|
513,340,172
|
25
|
1,352,578
|
4
|
100.1
|
35.4
|
106.5
|
8
|
454,770
|
2,408
|
129,993,680
|
8
|
427,211
|
5
|
83.9
|
34.2
|
88.9
|
6
|
339,125
|
1,946
|
104,897,547
|
7
|
381,597
|
6
|
135.8
|
48.0
|
132.5
|
8
|
414,128
|
1,414
|
75,820,412
|
6
|
312,460
|
7+
|
106.1
|
29.4
|
114.3
|
13
|
742,396
|
2,224
|
119,073,804
|
12
|
649,449
|
Total
|
94.1
|
12.7
|
97.5
|
55
|
3,045,419
|
17,520
|
943,125,616
|
59
|
3,123,295
|
By Issue Age
|
20-44
|
92.8
|
16.2
|
97.5
|
33
|
1,868,519
|
14,797
|
799,592,917
|
36
|
1,915,679
|
45-49
|
99.8
|
28.7
|
99.6
|
12
|
645,000
|
1,762
|
94,133,850
|
12
|
647,594
|
50-54
|
57.6
|
28.8
|
62.8
|
4
|
225,000
|
704
|
36,286,215
|
7
|
358,381
|
55-59
|
144.7
|
72.4
|
141.3
|
4
|
200,000
|
201
|
10,291,111
|
3
|
141,502
|
60+
|
170.3
|
120.4
|
177.8
|
2
|
106,900
|
55
|
2,821,523
|
1
|
60,140
|
Total
|
94.1
|
12.7
|
97.5
|
55
|
3,045,419
|
17,520
|
943,125,616
|
59
|
3,123,295
|
By Attained Age
|
20-44
|
93.8
|
18.8
|
97.5
|
25
|
1,401,123
|
13,123
|
709,542,668
|
27
|
1,437,062
|
45-49
|
72.3
|
24.0
|
73.6
|
9
|
497,396
|
2,375
|
127,393,627
|
13
|
675,533
|
50-54
|
90.3
|
30.1
|
99.5
|
9
|
525,000
|
1,279
|
67,794,419
|
10
|
527,713
|
55-59
|
132.4
|
46.8
|
132.8
|
8
|
415,000
|
549
|
28,391,657
|
6
|
312,448
|
60+
|
120.9
|
60.5
|
121.3
|
4
|
206,900
|
194
|
10,003,245
|
3
|
170,540
|
Total
|
94.1
|
12.7
|
97.5
|
55
|
3,045,419
|
17,520
|
943,125,616
|
59
|
3,123,295
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.23
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
52.2
|
30.2
|
47.8
|
3
|
300,000
|
2,729
|
298,511,082
|
6
|
627,901
|
2
|
17.3
|
17.3
|
15.8
|
1
|
100,000
|
2,409
|
262,800,289
|
6
|
632,740
|
3
|
105.2
|
42.9
|
127.7
|
6
|
800,000
|
2,113
|
230,914,980
|
6
|
626,624
|
4
|
19.4
|
19.4
|
17.7
|
1
|
100,000
|
1,747
|
190,795,843
|
5
|
565,212
|
5
|
185.7
|
65.7
|
188.8
|
8
|
895,880
|
1,310
|
143,227,697
|
4
|
474,425
|
6
|
95.2
|
55.0
|
87.0
|
3
|
300,000
|
901
|
97,593,059
|
3
|
344,880
|
7+
|
38.2
|
27.0
|
51.9
|
2
|
300,000
|
1,241
|
135,650,832
|
5
|
577,518
|
Total
|
68.5
|
14.0
|
72.6
|
24
|
2,795,880
|
12,451
|
1,359,493,782
|
35
|
3,849,301
|
By Issue Age
|
20-39
|
37.4
|
15.3
|
43.0
|
6
|
755,880
|
9,270
|
1,009,312,238
|
16
|
1,755,982
|
40-44
|
101.2
|
35.8
|
103.2
|
8
|
900,000
|
1,774
|
195,149,916
|
8
|
872,320
|
45-49
|
163.0
|
51.6
|
167.9
|
10
|
1,140,000
|
925
|
102,436,068
|
6
|
678,828
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
398
|
43,325,513
|
4
|
410,071
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
85
|
9,270,047
|
1
|
132,099
|
Total
|
68.5
|
14.0
|
72.6
|
24
|
2,795,880
|
12,451
|
1,359,493,782
|
35
|
3,849,301
|
By Attained Age
|
20-39
|
24.7
|
14.3
|
34.4
|
3
|
455,880
|
8,150
|
886,466,619
|
12
|
1,326,574
|
40-44
|
43.4
|
25.0
|
39.6
|
3
|
300,000
|
1,967
|
215,589,515
|
7
|
758,367
|
45-49
|
180.3
|
50.0
|
169.0
|
13
|
1,340,000
|
1,355
|
148,900,174
|
7
|
793,027
|
50-54
|
91.2
|
40.8
|
114.3
|
5
|
700,000
|
700
|
78,345,207
|
5
|
612,306
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
234
|
25,176,399
|
3
|
278,268
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
46
|
5,015,868
|
1
|
80,759
|
Total
|
68.5
|
14.0
|
72.6
|
24
|
2,795,880
|
12,451
|
1,359,493,782
|
35
|
3,849,301
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.24
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
143
|
45,727,817
|
0
|
132,845
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
133
|
42,516,747
|
0
|
131,612
|
3
|
534.9
|
378.2
|
852.6
|
2
|
1,000,000
|
111
|
33,423,776
|
0
|
117,283
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
101
|
30,783,416
|
0
|
118,278
|
5
|
312.7
|
312.7
|
247.0
|
1
|
250,000
|
85
|
26,260,737
|
0
|
101,196
|
6+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
145
|
43,114,154
|
1
|
202,571
|
Total
|
118.2
|
68.2
|
155.5
|
3
|
1,250,000
|
718
|
221,826,647
|
3
|
803,785
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
38
|
11,089,275
|
0
|
9,393
|
25-29
|
898.9
|
898.9
|
1021.2
|
1
|
350,000
|
95
|
29,087,800
|
0
|
34,272
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
169
|
47,521,886
|
0
|
93,863
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
148
|
45,574,940
|
0
|
131,309
|
40-44
|
161.2
|
161.2
|
308.4
|
1
|
650,000
|
136
|
46,149,717
|
1
|
210,783
|
45+
|
99.3
|
99.3
|
77.1
|
1
|
250,000
|
132
|
42,403,029
|
1
|
324,165
|
Total
|
118.2
|
68.2
|
155.5
|
3
|
1,250,000
|
718
|
221,826,647
|
3
|
803,785
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15
|
4,507,768
|
0
|
3,207
|
25-29
|
1228.0
|
1228.0
|
1443.8
|
1
|
350,000
|
82
|
24,240,923
|
0
|
24,242
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
108
|
32,352,720
|
0
|
48,666
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
168
|
50,198,718
|
0
|
116,938
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
134
|
41,281,903
|
0
|
146,413
|
45-49
|
277.2
|
196.0
|
362.9
|
2
|
900,000
|
136
|
46,645,916
|
1
|
247,979
|
50+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
74
|
22,598,699
|
1
|
216,341
|
Total
|
118.2
|
68.2
|
155.5
|
3
|
1,250,000
|
718
|
221,826,647
|
3
|
803,785
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.25
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.5
|
3.1
|
19.2
|
35
|
834,000
|
44,071
|
1,022,067,924
|
191
|
4,346,484
|
2
|
41.4
|
4.5
|
43.7
|
84
|
2,039,869
|
41,481
|
969,014,495
|
203
|
4,667,504
|
3
|
44.7
|
4.6
|
46.6
|
94
|
2,279,460
|
38,833
|
914,586,057
|
211
|
4,893,599
|
4
|
50.3
|
4.9
|
48.9
|
105
|
2,389,674
|
34,469
|
817,802,365
|
209
|
4,891,105
|
5
|
46.9
|
5.0
|
47.7
|
87
|
2,087,397
|
27,505
|
655,963,861
|
186
|
4,376,339
|
6
|
59.4
|
6.4
|
63.5
|
86
|
2,192,506
|
19,383
|
465,675,680
|
145
|
3,450,816
|
7+
|
48.6
|
4.8
|
52.2
|
103
|
2,727,684
|
22,876
|
563,462,467
|
212
|
5,228,860
|
Total
|
43.8
|
1.8
|
45.7
|
595
|
14,550,590
|
228,618
|
5,408,572,850
|
1,358
|
31,854,707
|
By Issue Age
|
20-24
|
67.5
|
23.9
|
88.6
|
8
|
220,000
|
15,599
|
326,000,634
|
12
|
248,340
|
25-29
|
72.6
|
15.8
|
72.3
|
21
|
470,000
|
26,262
|
590,958,876
|
29
|
650,394
|
30-34
|
48.9
|
10.0
|
55.9
|
24
|
645,000
|
29,013
|
680,963,385
|
49
|
1,153,343
|
35-39
|
40.5
|
6.9
|
47.1
|
34
|
978,331
|
31,663
|
775,081,966
|
84
|
2,078,490
|
40-44
|
50.4
|
5.6
|
53.0
|
82
|
2,157,872
|
37,092
|
924,523,984
|
163
|
4,071,718
|
45-49
|
40.7
|
3.9
|
41.0
|
109
|
2,754,115
|
37,681
|
940,001,922
|
268
|
6,713,105
|
50-54
|
42.6
|
3.6
|
42.0
|
137
|
3,253,577
|
28,693
|
687,027,850
|
323
|
7,752,315
|
55-59
|
43.5
|
4.0
|
46.8
|
118
|
2,793,506
|
16,272
|
355,826,175
|
272
|
5,972,551
|
60+
|
38.5
|
4.9
|
39.8
|
61
|
1,278,189
|
6,344
|
128,188,059
|
158
|
3,214,450
|
Total
|
43.8
|
1.8
|
45.7
|
595
|
14,550,590
|
228,618
|
5,408,572,850
|
1,358
|
31,854,707
|
By Attained Age
|
20-24
|
80.2
|
40.1
|
96.7
|
4
|
100,000
|
7,678
|
158,369,279
|
5
|
103,389
|
25-29
|
74.7
|
19.3
|
81.1
|
15
|
360,000
|
22,101
|
487,470,088
|
20
|
443,858
|
30-34
|
37.8
|
10.1
|
36.9
|
14
|
315,000
|
27,200
|
625,535,420
|
37
|
853,628
|
35-39
|
42.8
|
8.4
|
51.8
|
26
|
754,000
|
29,325
|
700,696,864
|
61
|
1,455,123
|
40-44
|
54.1
|
6.9
|
56.7
|
61
|
1,588,615
|
34,115
|
841,012,994
|
113
|
2,802,334
|
45-49
|
42.6
|
4.6
|
44.4
|
86
|
2,231,743
|
37,196
|
924,830,498
|
202
|
5,021,047
|
50-54
|
43.8
|
3.9
|
44.3
|
126
|
3,106,192
|
33,140
|
811,724,492
|
286
|
7,004,821
|
55-59
|
37.6
|
3.5
|
38.3
|
117
|
2,778,034
|
23,145
|
540,359,618
|
312
|
7,262,324
|
60-64
|
46.8
|
4.7
|
48.6
|
99
|
2,262,544
|
10,842
|
238,478,912
|
212
|
4,651,561
|
65+
|
43.1
|
6.3
|
46.7
|
47
|
1,054,462
|
3,875
|
80,094,684
|
109
|
2,256,621
|
Total
|
43.8
|
1.8
|
45.7
|
595
|
14,550,590
|
228,618
|
5,408,572,850
|
1,358
|
31,854,707
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.26
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.3
|
3.8
|
30.0
|
59
|
3,242,500
|
60,481
|
3,267,172,050
|
202
|
10,792,250
|
2
|
44.6
|
4.6
|
45.2
|
94
|
5,122,836
|
55,161
|
2,993,311,834
|
211
|
11,329,721
|
3
|
48.5
|
4.7
|
46.9
|
107
|
5,583,306
|
51,139
|
2,786,726,378
|
221
|
11,902,398
|
4
|
57.6
|
5.1
|
56.5
|
127
|
6,725,576
|
45,441
|
2,484,391,561
|
221
|
11,904,068
|
5
|
57.0
|
5.3
|
56.7
|
117
|
6,300,527
|
37,804
|
2,070,087,454
|
206
|
11,120,396
|
6
|
46.6
|
5.2
|
47.6
|
79
|
4,365,725
|
28,085
|
1,536,409,478
|
170
|
9,162,234
|
7+
|
62.4
|
4.4
|
62.3
|
198
|
10,667,205
|
41,946
|
2,287,972,266
|
318
|
17,125,012
|
Total
|
50.5
|
1.8
|
50.4
|
782
|
42,007,675
|
320,058
|
17,426,071,021
|
1,548
|
83,336,078
|
By Issue Age
|
20-24
|
23.7
|
13.7
|
25.4
|
3
|
175,000
|
16,551
|
904,486,745
|
13
|
690,230
|
25-29
|
68.8
|
12.6
|
72.7
|
30
|
1,744,823
|
39,231
|
2,159,619,961
|
44
|
2,398,745
|
30-34
|
47.8
|
7.5
|
48.0
|
41
|
2,263,000
|
50,196
|
2,762,072,237
|
86
|
4,717,286
|
35-39
|
53.6
|
5.8
|
55.1
|
86
|
4,889,092
|
58,611
|
3,238,223,933
|
161
|
8,874,364
|
40-44
|
52.3
|
4.3
|
52.1
|
146
|
7,911,694
|
62,733
|
3,408,715,725
|
280
|
15,196,951
|
45-49
|
52.1
|
3.8
|
51.6
|
190
|
10,108,303
|
49,957
|
2,683,690,637
|
365
|
19,592,837
|
50-54
|
46.6
|
3.7
|
45.1
|
156
|
8,032,036
|
28,970
|
1,537,757,714
|
335
|
17,806,346
|
55-59
|
51.5
|
5.2
|
52.0
|
100
|
5,335,727
|
10,993
|
582,500,412
|
193
|
10,261,548
|
60-64
|
46.3
|
8.8
|
45.4
|
28
|
1,448,000
|
2,488
|
131,524,876
|
60
|
3,190,890
|
65+
|
17.8
|
12.6
|
16.5
|
2
|
100,000
|
328
|
17,478,782
|
11
|
606,883
|
Total
|
50.5
|
1.8
|
50.4
|
782
|
42,007,675
|
320,058
|
17,426,071,021
|
1,548
|
83,336,078
|
By Attained Age
|
20-24
|
19.5
|
19.5
|
17.8
|
1
|
50,000
|
7,840
|
429,571,275
|
5
|
280,463
|
25-29
|
75.8
|
16.9
|
81.8
|
20
|
1,178,823
|
28,926
|
1,582,747,772
|
26
|
1,441,315
|
30-34
|
43.3
|
8.5
|
43.7
|
26
|
1,441,000
|
44,193
|
2,429,423,999
|
60
|
3,299,908
|
35-39
|
41.4
|
6.2
|
42.5
|
44
|
2,486,462
|
51,499
|
2,837,876,942
|
106
|
5,847,172
|
40-44
|
50.1
|
5.0
|
50.3
|
98
|
5,421,898
|
59,605
|
3,270,414,448
|
197
|
10,774,124
|
45-49
|
55.2
|
4.3
|
54.8
|
166
|
8,941,916
|
56,077
|
3,043,636,920
|
301
|
16,309,693
|
50-54
|
47.8
|
3.7
|
47.5
|
168
|
8,923,349
|
40,782
|
2,178,971,156
|
352
|
18,786,779
|
55-59
|
53.0
|
4.3
|
52.0
|
155
|
8,108,750
|
21,556
|
1,146,542,639
|
293
|
15,607,638
|
60-64
|
53.0
|
6.0
|
52.8
|
79
|
4,182,477
|
7,524
|
397,831,476
|
150
|
7,918,165
|
65+
|
41.5
|
8.5
|
41.5
|
24
|
1,273,000
|
2,055
|
109,054,395
|
58
|
3,070,822
|
Total
|
50.5
|
1.8
|
50.4
|
782
|
42,007,675
|
320,058
|
17,426,071,021
|
1,548
|
83,336,078
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.27
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.2
|
3.5
|
27.8
|
64
|
7,262,500
|
83,225
|
9,490,693,908
|
228
|
26,126,900
|
2
|
58.0
|
4.9
|
56.7
|
142
|
15,949,700
|
79,120
|
9,028,682,302
|
245
|
28,133,558
|
3
|
61.3
|
4.9
|
62.0
|
157
|
18,130,000
|
73,413
|
8,382,289,237
|
255
|
29,263,536
|
4
|
60.6
|
4.9
|
60.3
|
155
|
17,730,000
|
65,317
|
7,476,385,612
|
256
|
29,400,660
|
5
|
62.1
|
5.2
|
63.0
|
144
|
16,796,538
|
52,523
|
6,026,318,572
|
232
|
26,663,243
|
6
|
60.6
|
5.7
|
57.7
|
114
|
12,438,417
|
37,977
|
4,353,248,319
|
188
|
21,569,149
|
7+
|
63.9
|
4.3
|
64.5
|
226
|
26,298,507
|
55,331
|
6,364,148,591
|
354
|
40,751,693
|
Total
|
57.0
|
1.8
|
56.8
|
1,002
|
114,605,662
|
446,907
|
51,121,766,540
|
1,758
|
201,908,738
|
By Issue Age
|
20-24
|
71.6
|
18.5
|
67.2
|
15
|
1,567,500
|
27,681
|
3,083,764,319
|
21
|
2,332,071
|
25-29
|
68.5
|
9.5
|
67.0
|
52
|
5,710,000
|
68,196
|
7,657,880,090
|
76
|
8,522,541
|
30-34
|
61.2
|
6.2
|
62.7
|
96
|
11,245,000
|
92,352
|
10,558,010,811
|
157
|
17,933,236
|
35-39
|
54.8
|
4.7
|
56.4
|
135
|
16,025,385
|
92,460
|
10,666,372,299
|
246
|
28,401,978
|
40-44
|
59.3
|
4.1
|
59.6
|
206
|
24,067,750
|
78,694
|
9,128,070,083
|
348
|
40,372,445
|
45-49
|
53.3
|
3.8
|
53.6
|
198
|
22,875,000
|
50,446
|
5,789,114,255
|
372
|
42,685,357
|
50-54
|
58.1
|
4.3
|
55.7
|
180
|
19,949,205
|
25,746
|
2,959,960,242
|
311
|
35,838,283
|
55-59
|
50.3
|
5.4
|
48.5
|
86
|
9,440,822
|
9,328
|
1,055,056,504
|
171
|
19,478,618
|
60-64
|
57.7
|
11.1
|
59.2
|
27
|
3,125,000
|
1,729
|
193,374,947
|
47
|
5,281,416
|
65+
|
63.2
|
25.8
|
56.5
|
6
|
600,000
|
273
|
30,162,990
|
9
|
1,062,793
|
Total
|
57.0
|
1.8
|
56.8
|
1,002
|
114,605,662
|
446,907
|
51,121,766,540
|
1,758
|
201,908,738
|
By Attained Age
|
20-24
|
68.6
|
28.0
|
65.7
|
6
|
642,500
|
13,429
|
1,502,374,841
|
9
|
977,409
|
25-29
|
70.9
|
12.7
|
68.4
|
31
|
3,335,000
|
48,216
|
5,382,342,172
|
44
|
4,879,062
|
30-34
|
51.7
|
7.0
|
50.1
|
55
|
6,035,000
|
78,796
|
8,925,326,996
|
106
|
12,047,410
|
35-39
|
61.3
|
5.8
|
62.1
|
113
|
13,131,333
|
90,925
|
10,437,857,967
|
184
|
21,143,675
|
40-44
|
56.8
|
4.5
|
59.2
|
156
|
18,861,052
|
84,915
|
9,846,414,242
|
275
|
31,845,978
|
45-49
|
55.7
|
4.0
|
56.0
|
191
|
22,180,750
|
64,185
|
7,413,190,271
|
343
|
39,613,387
|
50-54
|
56.0
|
4.0
|
54.2
|
194
|
21,605,000
|
39,436
|
4,539,230,860
|
345
|
39,827,164
|
55-59
|
50.1
|
4.3
|
49.5
|
136
|
15,443,905
|
19,176
|
2,189,331,687
|
272
|
31,173,458
|
60-64
|
68.0
|
7.1
|
65.3
|
91
|
9,945,122
|
6,331
|
718,145,236
|
134
|
15,235,447
|
65+
|
63.3
|
11.8
|
66.3
|
29
|
3,426,000
|
1,497
|
167,552,266
|
46
|
5,165,747
|
Total
|
57.0
|
1.8
|
56.8
|
1,002
|
114,605,662
|
446,907
|
51,121,766,540
|
1,758
|
201,908,738
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.28
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
36.5
|
9.8
|
28.7
|
14
|
4,000,000
|
11,533
|
4,132,210,818
|
38
|
13,944,687
|
2
|
37.6
|
9.7
|
34.5
|
15
|
5,036,667
|
10,698
|
3,822,994,079
|
40
|
14,602,560
|
3
|
67.0
|
12.9
|
83.9
|
27
|
12,223,349
|
9,550
|
3,369,141,143
|
40
|
14,561,639
|
4
|
72.0
|
13.4
|
82.1
|
29
|
11,900,000
|
8,497
|
2,978,457,847
|
40
|
14,497,323
|
5
|
42.9
|
11.1
|
34.0
|
15
|
4,275,000
|
6,783
|
2,374,247,420
|
35
|
12,564,194
|
6
|
68.5
|
15.7
|
79.1
|
19
|
7,850,000
|
4,936
|
1,729,602,417
|
28
|
9,927,090
|
7+
|
76.5
|
12.1
|
66.5
|
40
|
12,250,000
|
7,441
|
2,581,504,888
|
52
|
18,433,515
|
Total
|
58.0
|
4.6
|
58.4
|
159
|
57,535,016
|
59,439
|
20,988,158,611
|
274
|
98,531,008
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,668
|
490,907,446
|
1
|
353,704
|
25-29
|
72.3
|
36.2
|
78.5
|
4
|
1,400,000
|
5,018
|
1,620,310,372
|
6
|
1,783,489
|
30-34
|
55.2
|
17.5
|
47.1
|
10
|
2,900,000
|
10,931
|
3,740,872,586
|
18
|
6,157,828
|
35-39
|
56.3
|
12.3
|
65.5
|
21
|
8,630,000
|
14,507
|
5,157,873,243
|
37
|
13,168,082
|
40-44
|
69.3
|
11.0
|
59.1
|
40
|
12,418,349
|
13,174
|
4,827,703,455
|
58
|
20,999,998
|
45-49
|
48.3
|
9.0
|
52.4
|
29
|
11,586,667
|
8,096
|
2,969,955,432
|
60
|
22,109,641
|
50-54
|
56.0
|
10.6
|
54.6
|
28
|
10,000,000
|
4,018
|
1,464,323,321
|
50
|
18,298,935
|
55-59
|
68.5
|
15.0
|
76.6
|
21
|
8,250,000
|
1,591
|
556,702,496
|
31
|
10,774,439
|
60-64
|
42.6
|
19.1
|
48.4
|
5
|
2,100,000
|
395
|
146,023,617
|
12
|
4,337,629
|
65+
|
63.6
|
63.6
|
45.7
|
1
|
250,000
|
39
|
13,486,644
|
2
|
547,261
|
Total
|
58.0
|
4.6
|
58.4
|
159
|
57,535,016
|
59,439
|
20,988,158,611
|
274
|
98,531,008
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
907
|
264,782,633
|
1
|
168,890
|
25-29
|
35.3
|
35.3
|
44.8
|
1
|
400,000
|
3,177
|
999,863,758
|
3
|
892,175
|
30-34
|
69.1
|
26.1
|
58.7
|
7
|
2,000,000
|
7,648
|
2,576,999,558
|
10
|
3,404,487
|
35-39
|
52.0
|
14.4
|
40.5
|
13
|
3,530,000
|
12,714
|
4,452,688,336
|
25
|
8,708,635
|
40-44
|
50.8
|
10.8
|
58.4
|
22
|
9,188,349
|
13,756
|
5,006,115,589
|
43
|
15,738,354
|
45-49
|
54.0
|
9.7
|
54.3
|
31
|
11,320,000
|
10,707
|
3,891,873,220
|
57
|
20,841,506
|
50-54
|
63.3
|
10.5
|
60.5
|
36
|
12,496,667
|
6,266
|
2,258,255,912
|
57
|
20,639,820
|
55-59
|
57.5
|
11.3
|
60.4
|
26
|
10,050,000
|
2,974
|
1,086,538,260
|
45
|
16,637,085
|
60+
|
70.7
|
14.7
|
74.3
|
23
|
8,550,000
|
1,289
|
451,041,346
|
33
|
11,500,057
|
Total
|
58.0
|
4.6
|
58.4
|
159
|
57,535,016
|
59,439
|
20,988,158,611
|
274
|
98,531,008
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.29
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.9
|
4.1
|
15.6
|
11
|
285,000
|
17,914
|
413,241,681
|
81
|
1,825,410
|
2
|
37.3
|
6.5
|
40.2
|
33
|
814,431
|
17,054
|
396,035,898
|
89
|
2,026,808
|
3
|
33.1
|
5.9
|
35.8
|
31
|
776,955
|
16,018
|
374,812,019
|
94
|
2,170,771
|
4
|
42.3
|
6.7
|
39.6
|
40
|
874,625
|
14,198
|
335,256,786
|
95
|
2,211,192
|
5
|
50.1
|
7.6
|
49.4
|
43
|
992,218
|
11,396
|
270,259,359
|
86
|
2,008,591
|
6
|
57.0
|
9.1
|
63.7
|
39
|
1,027,961
|
8,105
|
192,931,647
|
68
|
1,613,778
|
7+
|
46.9
|
6.6
|
51.9
|
50
|
1,355,534
|
9,982
|
243,824,515
|
107
|
2,611,184
|
Total
|
40.0
|
2.5
|
42.3
|
248
|
6,126,724
|
94,667
|
2,226,361,904
|
620
|
14,467,735
|
By Issue Age
|
20-24
|
69.4
|
40.1
|
122.9
|
3
|
110,000
|
6,452
|
133,228,305
|
4
|
89,499
|
25-29
|
87.7
|
29.2
|
97.6
|
9
|
225,000
|
10,960
|
246,555,909
|
10
|
230,558
|
30-34
|
16.7
|
9.7
|
14.4
|
3
|
60,000
|
12,545
|
291,407,016
|
18
|
417,662
|
35-39
|
32.4
|
10.1
|
39.5
|
10
|
304,581
|
13,597
|
329,828,078
|
32
|
770,582
|
40-44
|
40.3
|
7.9
|
42.0
|
26
|
674,692
|
15,168
|
375,143,398
|
64
|
1,604,593
|
45-49
|
39.8
|
5.8
|
40.8
|
47
|
1,197,109
|
15,506
|
383,378,570
|
118
|
2,934,636
|
50-54
|
38.3
|
5.0
|
39.3
|
59
|
1,452,246
|
11,514
|
273,062,819
|
155
|
3,699,052
|
55-59
|
43.4
|
5.6
|
48.6
|
60
|
1,489,988
|
6,518
|
143,373,752
|
139
|
3,063,815
|
60+
|
37.8
|
6.9
|
37.0
|
30
|
613,108
|
2,406
|
50,384,056
|
79
|
1,657,337
|
Total
|
40.0
|
2.5
|
42.3
|
248
|
6,126,724
|
94,667
|
2,226,361,904
|
620
|
14,467,735
|
By Attained Age
|
20-24
|
51.8
|
51.8
|
63.4
|
1
|
25,000
|
3,245
|
65,891,787
|
2
|
39,426
|
25-29
|
85.9
|
35.1
|
126.4
|
6
|
195,000
|
8,988
|
198,006,021
|
7
|
154,311
|
30-34
|
37.3
|
16.7
|
27.8
|
5
|
85,000
|
11,705
|
266,433,241
|
13
|
305,534
|
35-39
|
18.5
|
9.2
|
26.1
|
4
|
135,000
|
12,474
|
296,812,993
|
22
|
516,521
|
40-44
|
38.2
|
9.5
|
43.2
|
16
|
446,927
|
14,295
|
347,202,722
|
42
|
1,035,199
|
45-49
|
38.4
|
6.8
|
39.2
|
32
|
812,346
|
15,355
|
381,245,327
|
83
|
2,069,878
|
50-54
|
41.1
|
5.6
|
42.4
|
53
|
1,329,821
|
13,464
|
325,739,271
|
130
|
3,139,941
|
55-59
|
31.9
|
4.5
|
33.7
|
49
|
1,208,534
|
9,288
|
216,172,232
|
154
|
3,585,043
|
60-64
|
52.7
|
6.9
|
57.5
|
58
|
1,405,473
|
4,362
|
97,132,497
|
110
|
2,443,071
|
65+
|
41.3
|
8.6
|
41.0
|
23
|
483,623
|
1,491
|
31,725,811
|
56
|
1,178,812
|
Total
|
40.0
|
2.5
|
42.3
|
248
|
6,126,724
|
94,667
|
2,226,361,904
|
620
|
14,467,735
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.30
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.0
|
5.3
|
28.3
|
24
|
1,410,000
|
26,830
|
1,461,684,590
|
92
|
4,982,973
|
2
|
42.7
|
6.6
|
42.3
|
42
|
2,256,582
|
24,692
|
1,351,407,160
|
99
|
5,335,758
|
3
|
47.0
|
6.6
|
44.5
|
50
|
2,556,816
|
23,100
|
1,268,705,474
|
106
|
5,751,499
|
4
|
59.7
|
7.4
|
57.5
|
64
|
3,348,086
|
20,491
|
1,128,144,099
|
108
|
5,821,328
|
5
|
58.7
|
7.6
|
58.7
|
59
|
3,196,000
|
16,852
|
927,150,006
|
101
|
5,447,450
|
6
|
53.7
|
8.0
|
53.8
|
45
|
2,442,725
|
12,518
|
687,242,581
|
84
|
4,542,632
|
7+
|
55.7
|
5.8
|
54.5
|
91
|
4,823,499
|
18,828
|
1,030,714,302
|
163
|
8,857,979
|
Total
|
49.8
|
2.6
|
49.2
|
376
|
20,033,708
|
143,310
|
7,855,048,213
|
753
|
40,739,620
|
By Issue Age
|
20-24
|
20.5
|
20.5
|
18.7
|
1
|
50,000
|
7,184
|
393,989,649
|
5
|
267,371
|
25-29
|
80.5
|
22.3
|
84.2
|
13
|
753,296
|
16,945
|
939,917,730
|
16
|
895,159
|
30-34
|
18.4
|
7.5
|
16.7
|
6
|
300,000
|
22,446
|
1,241,949,084
|
33
|
1,799,712
|
35-39
|
41.7
|
8.2
|
43.0
|
26
|
1,490,520
|
25,851
|
1,439,005,163
|
62
|
3,467,814
|
40-44
|
39.4
|
5.7
|
39.4
|
48
|
2,630,629
|
28,175
|
1,544,610,279
|
122
|
6,681,527
|
45-49
|
51.0
|
5.3
|
49.7
|
91
|
4,780,500
|
22,835
|
1,233,030,162
|
178
|
9,617,147
|
50-54
|
54.6
|
5.5
|
53.2
|
99
|
5,167,036
|
13,345
|
714,520,472
|
181
|
9,720,710
|
55-59
|
63.0
|
7.4
|
63.1
|
72
|
3,873,727
|
5,301
|
282,973,633
|
115
|
6,136,158
|
60-64
|
54.5
|
12.8
|
54.0
|
18
|
938,000
|
1,047
|
55,081,248
|
33
|
1,736,325
|
65+
|
13.3
|
13.3
|
12.0
|
1
|
50,000
|
181
|
9,970,792
|
8
|
417,697
|
Total
|
49.8
|
2.6
|
49.2
|
376
|
20,033,708
|
143,310
|
7,855,048,213
|
753
|
40,739,620
|
By Attained Age
|
20-24
|
47.8
|
47.8
|
43.5
|
1
|
50,000
|
3,465
|
190,393,566
|
2
|
114,949
|
25-29
|
83.8
|
29.6
|
87.8
|
8
|
462,296
|
12,168
|
671,189,071
|
10
|
526,299
|
30-34
|
22.3
|
10.0
|
23.4
|
5
|
291,000
|
19,513
|
1,080,900,605
|
22
|
1,243,154
|
35-39
|
29.8
|
8.6
|
27.7
|
12
|
619,773
|
23,133
|
1,284,782,999
|
40
|
2,236,716
|
40-44
|
35.1
|
6.6
|
36.5
|
28
|
1,608,833
|
26,751
|
1,476,286,770
|
80
|
4,404,401
|
45-49
|
48.7
|
6.0
|
47.6
|
66
|
3,519,543
|
25,248
|
1,379,986,510
|
136
|
7,398,238
|
50-54
|
44.7
|
5.0
|
44.4
|
79
|
4,212,536
|
18,541
|
995,116,766
|
177
|
9,482,022
|
55-59
|
65.4
|
6.3
|
63.9
|
107
|
5,626,250
|
9,999
|
536,901,791
|
164
|
8,804,719
|
60-64
|
58.7
|
8.1
|
57.8
|
52
|
2,730,477
|
3,560
|
189,656,924
|
89
|
4,724,109
|
65+
|
50.4
|
12.2
|
50.6
|
17
|
913,000
|
933
|
49,833,210
|
34
|
1,805,013
|
Total
|
49.8
|
2.6
|
49.2
|
376
|
20,033,708
|
143,310
|
7,855,048,213
|
753
|
40,739,620
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.31
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.3
|
4.8
|
28.3
|
32
|
3,885,000
|
42,069
|
4,865,467,140
|
118
|
13,722,013
|
2
|
58.3
|
6.7
|
56.8
|
75
|
8,554,700
|
40,156
|
4,649,359,808
|
129
|
15,058,282
|
3
|
58.6
|
6.5
|
58.4
|
80
|
9,322,000
|
37,419
|
4,331,425,508
|
137
|
15,953,502
|
4
|
53.2
|
6.2
|
51.8
|
74
|
8,420,000
|
33,280
|
3,865,576,435
|
139
|
16,251,859
|
5
|
53.7
|
6.5
|
52.1
|
69
|
7,816,538
|
26,905
|
3,133,671,454
|
129
|
15,010,125
|
6
|
52.5
|
7.0
|
51.8
|
56
|
6,437,667
|
19,651
|
2,285,915,107
|
107
|
12,417,174
|
7+
|
59.8
|
5.3
|
61.8
|
128
|
15,457,000
|
29,518
|
3,446,575,839
|
214
|
25,022,349
|
Total
|
52.9
|
2.3
|
52.8
|
515
|
59,892,905
|
228,997
|
26,577,991,291
|
973
|
113,435,304
|
By Issue Age
|
20-24
|
78.6
|
29.7
|
75.1
|
7
|
750,000
|
13,074
|
1,467,154,315
|
9
|
998,138
|
25-29
|
84.1
|
16.5
|
83.1
|
26
|
2,910,000
|
32,189
|
3,643,182,936
|
31
|
3,500,677
|
30-34
|
57.1
|
9.1
|
59.8
|
39
|
4,735,000
|
46,474
|
5,375,326,767
|
68
|
7,913,655
|
35-39
|
45.1
|
6.3
|
44.7
|
51
|
5,953,333
|
47,568
|
5,577,419,430
|
113
|
13,321,076
|
40-44
|
51.0
|
5.3
|
51.5
|
92
|
11,007,000
|
41,824
|
4,930,201,019
|
181
|
21,360,371
|
45-49
|
46.1
|
4.7
|
47.0
|
97
|
11,545,000
|
26,746
|
3,123,246,493
|
211
|
24,578,136
|
50-54
|
60.8
|
5.5
|
59.6
|
121
|
13,894,205
|
14,402
|
1,688,188,317
|
199
|
23,324,648
|
55-59
|
48.5
|
6.4
|
46.8
|
57
|
6,348,367
|
5,440
|
626,414,000
|
118
|
13,575,054
|
60-64
|
54.1
|
12.4
|
55.8
|
19
|
2,250,000
|
1,105
|
126,648,848
|
35
|
4,034,107
|
65+
|
69.5
|
31.1
|
60.3
|
5
|
500,000
|
175
|
20,209,165
|
7
|
829,442
|
Total
|
52.9
|
2.3
|
52.8
|
515
|
59,892,905
|
228,997
|
26,577,991,291
|
973
|
113,435,304
|
By Attained Age
|
20-24
|
51.9
|
36.7
|
57.5
|
2
|
250,000
|
6,352
|
716,587,112
|
4
|
434,963
|
25-29
|
78.5
|
21.0
|
77.8
|
14
|
1,560,000
|
22,533
|
2,533,499,616
|
18
|
2,005,663
|
30-34
|
62.1
|
11.7
|
61.7
|
28
|
3,185,000
|
38,733
|
4,435,681,828
|
45
|
5,165,979
|
35-39
|
54.5
|
8.2
|
54.3
|
44
|
5,113,333
|
46,245
|
5,371,617,606
|
81
|
9,410,069
|
40-44
|
54.2
|
6.4
|
54.0
|
71
|
8,377,000
|
44,265
|
5,221,658,568
|
131
|
15,513,652
|
45-49
|
38.1
|
4.6
|
40.1
|
69
|
8,530,000
|
33,950
|
3,986,689,013
|
181
|
21,280,283
|
50-54
|
52.9
|
5.1
|
51.9
|
107
|
12,325,000
|
21,246
|
2,491,452,047
|
203
|
23,754,224
|
55-59
|
53.1
|
5.4
|
53.4
|
95
|
11,173,905
|
10,880
|
1,270,339,576
|
179
|
20,908,398
|
60-64
|
64.7
|
8.2
|
61.8
|
62
|
6,802,667
|
3,840
|
441,178,036
|
96
|
11,003,602
|
65+
|
63.8
|
13.6
|
65.1
|
22
|
2,576,000
|
954
|
109,287,889
|
34
|
3,958,472
|
Total
|
52.9
|
2.3
|
52.8
|
515
|
59,892,905
|
228,997
|
26,577,991,291
|
973
|
113,435,304
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.32
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.4
|
9.1
|
19.8
|
6
|
2,000,000
|
7,741
|
2,884,356,657
|
27
|
10,089,201
|
2
|
31.7
|
10.6
|
25.8
|
9
|
2,776,667
|
7,274
|
2,699,115,245
|
28
|
10,745,877
|
3
|
72.3
|
15.8
|
84.3
|
21
|
9,173,349
|
6,523
|
2,387,173,705
|
29
|
10,879,823
|
4
|
74.5
|
15.9
|
80.3
|
22
|
8,850,000
|
5,866
|
2,133,734,502
|
30
|
11,022,272
|
5
|
30.8
|
10.9
|
25.9
|
8
|
2,500,000
|
4,718
|
1,718,237,228
|
26
|
9,663,365
|
6
|
57.2
|
16.5
|
64.3
|
12
|
4,970,000
|
3,499
|
1,270,410,041
|
21
|
7,733,763
|
7+
|
74.8
|
13.7
|
64.3
|
30
|
9,400,000
|
5,282
|
1,897,528,538
|
40
|
14,616,635
|
Total
|
53.8
|
5.2
|
53.1
|
108
|
39,670,016
|
40,903
|
14,990,555,915
|
201
|
74,750,936
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,030
|
308,361,361
|
1
|
208,604
|
25-29
|
67.6
|
47.8
|
66.7
|
2
|
650,000
|
2,994
|
984,954,044
|
3
|
974,371
|
30-34
|
46.1
|
20.6
|
36.3
|
5
|
1,400,000
|
7,199
|
2,553,053,197
|
11
|
3,854,485
|
35-39
|
49.9
|
14.4
|
62.1
|
12
|
5,455,000
|
9,995
|
3,660,277,430
|
24
|
8,778,389
|
40-44
|
69.2
|
13.1
|
59.3
|
28
|
9,078,349
|
9,364
|
3,571,087,303
|
40
|
15,320,837
|
45-49
|
44.9
|
10.0
|
43.9
|
20
|
7,536,667
|
5,790
|
2,233,514,238
|
45
|
17,179,669
|
50-54
|
47.5
|
10.9
|
46.5
|
19
|
6,950,000
|
2,976
|
1,114,807,955
|
40
|
14,946,671
|
55-59
|
64.2
|
16.1
|
69.7
|
16
|
6,250,000
|
1,174
|
424,655,263
|
25
|
8,969,692
|
60-64
|
46.1
|
20.6
|
52.4
|
5
|
2,100,000
|
346
|
127,691,813
|
11
|
4,005,962
|
65+
|
68.9
|
68.9
|
48.8
|
1
|
250,000
|
34
|
12,153,311
|
1
|
512,255
|
Total
|
53.8
|
5.2
|
53.1
|
108
|
39,670,016
|
40,903
|
14,990,555,915
|
201
|
74,750,936
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
540
|
160,059,208
|
0
|
97,168
|
25-29
|
65.0
|
65.0
|
80.8
|
1
|
400,000
|
1,908
|
611,803,333
|
2
|
494,951
|
30-34
|
86.8
|
38.8
|
62.3
|
5
|
1,250,000
|
4,826
|
1,674,532,878
|
6
|
2,005,171
|
35-39
|
32.8
|
14.7
|
25.5
|
5
|
1,405,000
|
8,550
|
3,093,624,932
|
15
|
5,517,033
|
40-44
|
48.4
|
12.9
|
57.4
|
14
|
6,278,349
|
9,669
|
3,650,213,771
|
29
|
10,939,754
|
45-49
|
43.9
|
10.3
|
39.6
|
18
|
6,140,000
|
7,676
|
2,901,412,322
|
41
|
15,503,731
|
50-54
|
65.3
|
12.3
|
62.7
|
28
|
10,146,667
|
4,480
|
1,689,929,514
|
43
|
16,188,743
|
55-59
|
45.8
|
11.1
|
44.7
|
17
|
6,250,000
|
2,249
|
849,172,885
|
37
|
13,966,837
|
60+
|
71.5
|
16.0
|
77.7
|
20
|
7,800,000
|
1,006
|
359,807,072
|
28
|
10,037,548
|
Total
|
53.8
|
5.2
|
53.1
|
108
|
39,670,016
|
40,903
|
14,990,555,915
|
201
|
74,750,936
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.33
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.8
|
4.4
|
21.8
|
24
|
549,000
|
26,157
|
608,826,243
|
111
|
2,521,074
|
2
|
44.5
|
6.2
|
46.4
|
51
|
1,225,438
|
24,427
|
572,978,598
|
115
|
2,640,696
|
3
|
54.1
|
6.8
|
55.2
|
63
|
1,502,505
|
22,815
|
539,774,038
|
117
|
2,722,828
|
4
|
56.9
|
7.1
|
56.5
|
65
|
1,515,049
|
20,271
|
482,545,580
|
114
|
2,679,913
|
5
|
44.1
|
6.7
|
46.3
|
44
|
1,095,179
|
16,109
|
385,704,502
|
100
|
2,367,748
|
6
|
61.5
|
9.0
|
63.4
|
47
|
1,164,545
|
11,279
|
272,744,033
|
76
|
1,837,038
|
7+
|
50.2
|
6.9
|
52.4
|
53
|
1,372,150
|
12,894
|
319,637,953
|
106
|
2,617,676
|
Total
|
47.1
|
2.5
|
48.4
|
348
|
8,423,866
|
133,951
|
3,182,210,946
|
738
|
17,386,973
|
By Issue Age
|
20-24
|
66.5
|
29.7
|
69.3
|
5
|
110,000
|
9,147
|
192,772,329
|
8
|
158,841
|
25-29
|
64.3
|
18.6
|
58.4
|
12
|
245,000
|
15,302
|
344,402,967
|
19
|
419,836
|
30-34
|
67.5
|
14.7
|
79.5
|
21
|
585,000
|
16,467
|
389,556,369
|
31
|
735,681
|
35-39
|
45.4
|
9.3
|
51.5
|
24
|
673,750
|
18,066
|
445,253,888
|
53
|
1,307,908
|
40-44
|
57.0
|
7.6
|
60.1
|
56
|
1,483,180
|
21,924
|
549,380,585
|
98
|
2,467,125
|
45-49
|
41.5
|
5.3
|
41.2
|
62
|
1,557,006
|
22,175
|
556,623,352
|
150
|
3,778,469
|
50-54
|
46.6
|
5.3
|
44.4
|
78
|
1,801,331
|
17,180
|
413,965,031
|
168
|
4,053,263
|
55-59
|
43.7
|
5.7
|
44.8
|
58
|
1,303,518
|
9,753
|
212,452,423
|
133
|
2,908,736
|
60+
|
39.3
|
7.1
|
42.7
|
31
|
665,081
|
3,938
|
77,804,003
|
79
|
1,557,113
|
Total
|
47.1
|
2.5
|
48.4
|
348
|
8,423,866
|
133,951
|
3,182,210,946
|
738
|
17,386,973
|
By Attained Age
|
20-24
|
98.1
|
56.7
|
117.3
|
3
|
75,000
|
4,433
|
92,477,491
|
3
|
63,963
|
25-29
|
68.7
|
22.9
|
57.0
|
9
|
165,000
|
13,113
|
289,464,067
|
13
|
289,548
|
30-34
|
38.1
|
12.7
|
42.0
|
9
|
230,000
|
15,495
|
359,102,179
|
24
|
548,094
|
35-39
|
56.3
|
12.0
|
65.9
|
22
|
619,000
|
16,851
|
403,883,871
|
39
|
938,602
|
40-44
|
63.6
|
9.5
|
64.6
|
45
|
1,141,688
|
19,821
|
493,810,272
|
71
|
1,767,135
|
45-49
|
45.5
|
6.2
|
48.1
|
54
|
1,419,397
|
21,841
|
543,585,172
|
119
|
2,951,170
|
50-54
|
46.1
|
5.4
|
46.0
|
72
|
1,776,371
|
19,676
|
485,985,221
|
157
|
3,864,880
|
55-59
|
43.2
|
5.2
|
42.7
|
68
|
1,569,500
|
13,857
|
324,187,386
|
158
|
3,677,281
|
60-64
|
40.4
|
6.3
|
38.8
|
41
|
857,071
|
6,480
|
141,346,416
|
102
|
2,208,490
|
65+
|
44.9
|
9.2
|
53.0
|
24
|
570,839
|
2,385
|
48,368,873
|
53
|
1,077,809
|
Total
|
47.1
|
2.5
|
48.4
|
348
|
8,423,866
|
133,951
|
3,182,210,946
|
738
|
17,386,973
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.34
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.2
|
5.4
|
31.5
|
35
|
1,832,500
|
33,652
|
1,805,487,460
|
109
|
5,809,277
|
2
|
46.3
|
6.4
|
47.8
|
52
|
2,866,254
|
30,470
|
1,641,904,673
|
112
|
5,993,963
|
3
|
49.9
|
6.6
|
49.2
|
57
|
3,026,490
|
28,038
|
1,518,020,904
|
115
|
6,150,899
|
4
|
55.7
|
7.0
|
55.5
|
63
|
3,377,490
|
24,950
|
1,356,247,462
|
113
|
6,082,740
|
5
|
55.3
|
7.3
|
54.7
|
58
|
3,104,527
|
20,952
|
1,142,937,448
|
105
|
5,672,946
|
6
|
39.7
|
6.8
|
41.6
|
34
|
1,923,000
|
15,568
|
849,166,898
|
86
|
4,619,601
|
7+
|
69.4
|
6.7
|
70.7
|
107
|
5,843,706
|
23,118
|
1,257,257,964
|
154
|
8,267,033
|
Total
|
51.2
|
2.5
|
51.6
|
407
|
21,973,967
|
176,748
|
9,571,022,808
|
794
|
42,596,458
|
By Issue Age
|
20-24
|
25.7
|
18.2
|
29.6
|
2
|
125,000
|
9,368
|
510,497,096
|
8
|
422,859
|
25-29
|
61.9
|
15.0
|
65.9
|
17
|
991,527
|
22,286
|
1,219,702,231
|
27
|
1,503,586
|
30-34
|
65.8
|
11.1
|
67.3
|
35
|
1,963,000
|
27,749
|
1,520,123,153
|
53
|
2,917,573
|
35-39
|
61.2
|
7.9
|
62.9
|
60
|
3,398,572
|
32,761
|
1,799,218,769
|
98
|
5,406,551
|
40-44
|
62.2
|
6.3
|
62.0
|
98
|
5,281,065
|
34,558
|
1,864,105,446
|
158
|
8,515,423
|
45-49
|
53.0
|
5.3
|
53.4
|
99
|
5,327,803
|
27,122
|
1,450,660,475
|
187
|
9,975,690
|
50-54
|
37.1
|
4.9
|
35.4
|
57
|
2,865,000
|
15,625
|
823,237,242
|
154
|
8,085,636
|
55-59
|
34.7
|
6.6
|
35.4
|
27
|
1,462,000
|
5,692
|
299,526,779
|
78
|
4,125,390
|
60-64
|
36.5
|
11.5
|
35.1
|
10
|
510,000
|
1,441
|
76,443,627
|
27
|
1,454,564
|
65+
|
27.0
|
27.0
|
26.4
|
1
|
50,000
|
147
|
7,507,990
|
4
|
189,186
|
Total
|
51.2
|
2.5
|
51.6
|
407
|
21,973,967
|
176,748
|
9,571,022,808
|
794
|
42,596,458
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4,376
|
239,177,709
|
3
|
165,514
|
25-29
|
71.3
|
20.6
|
78.3
|
12
|
716,527
|
16,758
|
911,558,701
|
17
|
915,016
|
30-34
|
55.8
|
12.2
|
55.9
|
21
|
1,150,000
|
24,681
|
1,348,523,394
|
38
|
2,056,754
|
35-39
|
48.5
|
8.6
|
51.7
|
32
|
1,866,689
|
28,367
|
1,553,093,943
|
66
|
3,610,456
|
40-44
|
60.3
|
7.2
|
59.9
|
70
|
3,813,065
|
32,854
|
1,794,127,678
|
117
|
6,369,723
|
45-49
|
60.5
|
6.0
|
60.8
|
100
|
5,422,373
|
30,829
|
1,663,650,410
|
165
|
8,911,455
|
50-54
|
50.9
|
5.4
|
50.6
|
89
|
4,710,813
|
22,241
|
1,183,854,390
|
175
|
9,304,757
|
55-59
|
37.3
|
5.4
|
36.5
|
48
|
2,482,500
|
11,556
|
609,640,847
|
129
|
6,802,918
|
60-64
|
44.6
|
8.6
|
45.5
|
27
|
1,452,000
|
3,964
|
208,174,551
|
61
|
3,194,056
|
65+
|
29.2
|
11.0
|
28.4
|
7
|
360,000
|
1,122
|
59,221,184
|
24
|
1,265,809
|
Total
|
51.2
|
2.5
|
51.6
|
407
|
21,973,967
|
176,748
|
9,571,022,808
|
794
|
42,596,458
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.35
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.1
|
5.1
|
27.2
|
32
|
3,377,500
|
41,155
|
4,625,226,768
|
110
|
12,404,887
|
2
|
57.8
|
7.0
|
56.6
|
67
|
7,395,000
|
38,965
|
4,379,322,494
|
116
|
13,075,275
|
3
|
64.5
|
7.4
|
66.2
|
76
|
8,808,000
|
35,994
|
4,050,863,728
|
118
|
13,310,034
|
4
|
69.4
|
7.7
|
70.8
|
81
|
9,310,000
|
32,037
|
3,610,809,177
|
117
|
13,148,801
|
5
|
72.6
|
8.4
|
77.1
|
75
|
8,980,000
|
25,619
|
2,892,647,118
|
103
|
11,653,118
|
6
|
71.3
|
9.4
|
65.6
|
58
|
6,000,750
|
18,326
|
2,067,333,212
|
81
|
9,151,975
|
7+
|
70.2
|
7.1
|
68.9
|
98
|
10,841,507
|
25,814
|
2,917,572,753
|
140
|
15,729,344
|
Total
|
62.0
|
2.8
|
61.8
|
488
|
54,712,757
|
217,909
|
24,543,775,250
|
786
|
88,473,434
|
By Issue Age
|
20-24
|
66.4
|
23.5
|
61.3
|
8
|
817,500
|
14,608
|
1,616,610,004
|
12
|
1,333,933
|
25-29
|
57.8
|
11.3
|
55.8
|
26
|
2,800,000
|
36,008
|
4,014,697,154
|
45
|
5,021,863
|
30-34
|
64.4
|
8.5
|
65.0
|
57
|
6,510,000
|
45,879
|
5,182,684,044
|
89
|
10,019,581
|
35-39
|
63.2
|
6.9
|
66.8
|
84
|
10,072,052
|
44,892
|
5,088,952,869
|
133
|
15,080,901
|
40-44
|
68.3
|
6.4
|
68.7
|
114
|
13,060,750
|
36,870
|
4,197,869,063
|
167
|
19,012,074
|
45-49
|
62.8
|
6.2
|
62.6
|
101
|
11,330,000
|
23,700
|
2,665,867,762
|
161
|
18,107,221
|
50-54
|
53.2
|
6.9
|
48.4
|
59
|
6,055,000
|
11,344
|
1,271,771,925
|
112
|
12,513,635
|
55-59
|
54.3
|
10.1
|
52.4
|
29
|
3,092,455
|
3,888
|
428,642,504
|
53
|
5,903,564
|
60-64
|
68.5
|
24.2
|
70.2
|
8
|
875,000
|
625
|
66,726,100
|
12
|
1,247,310
|
65+
|
43.7
|
43.7
|
42.9
|
1
|
100,000
|
98
|
9,953,825
|
2
|
233,351
|
Total
|
62.0
|
2.8
|
61.8
|
488
|
54,712,757
|
217,909
|
24,543,775,250
|
786
|
88,473,434
|
By Attained Age
|
20-24
|
81.9
|
40.9
|
72.4
|
4
|
392,500
|
7,078
|
785,787,729
|
5
|
542,446
|
25-29
|
65.7
|
15.9
|
61.8
|
17
|
1,775,000
|
25,683
|
2,848,842,556
|
26
|
2,873,399
|
30-34
|
44.0
|
8.5
|
41.4
|
27
|
2,850,000
|
40,063
|
4,489,645,168
|
61
|
6,881,431
|
35-39
|
66.7
|
8.0
|
68.3
|
69
|
8,018,000
|
44,680
|
5,066,240,361
|
103
|
11,733,606
|
40-44
|
59.2
|
6.4
|
64.2
|
85
|
10,484,052
|
40,650
|
4,624,755,675
|
144
|
16,332,326
|
45-49
|
75.5
|
6.8
|
74.5
|
122
|
13,650,750
|
30,235
|
3,426,501,258
|
162
|
18,333,104
|
50-54
|
60.5
|
6.5
|
57.7
|
86
|
9,280,000
|
18,191
|
2,047,778,814
|
143
|
16,072,940
|
55-59
|
44.2
|
6.9
|
41.6
|
41
|
4,270,000
|
8,296
|
918,992,111
|
93
|
10,265,061
|
60-64
|
76.2
|
14.2
|
74.3
|
29
|
3,142,455
|
2,490
|
276,967,200
|
38
|
4,231,845
|
65+
|
62.0
|
23.4
|
70.4
|
7
|
850,000
|
544
|
58,264,378
|
11
|
1,207,275
|
Total
|
62.0
|
2.8
|
61.8
|
488
|
54,712,757
|
217,909
|
24,543,775,250
|
786
|
88,473,434
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 3.36
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
69.2
|
24.5
|
51.9
|
8
|
2,000,000
|
3,792
|
1,247,854,161
|
12
|
3,855,486
|
2
|
51.9
|
21.1
|
58.6
|
6
|
2,260,000
|
3,424
|
1,123,878,834
|
12
|
3,856,683
|
3
|
53.3
|
21.7
|
82.8
|
6
|
3,050,000
|
3,027
|
981,967,439
|
11
|
3,681,816
|
4
|
65.1
|
24.6
|
87.8
|
7
|
3,050,000
|
2,631
|
844,723,345
|
11
|
3,475,051
|
5
|
77.4
|
29.2
|
61.2
|
7
|
1,775,000
|
2,065
|
656,010,191
|
9
|
2,900,829
|
6+
|
89.7
|
21.8
|
95.3
|
17
|
5,730,000
|
3,596
|
1,143,168,725
|
19
|
6,010,206
|
Total
|
69.7
|
9.8
|
75.1
|
51
|
17,865,000
|
18,535
|
5,997,602,696
|
73
|
23,780,072
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
638
|
182,546,085
|
1
|
145,100
|
25-29
|
77.7
|
55.0
|
92.7
|
2
|
750,000
|
2,024
|
635,356,328
|
3
|
809,118
|
30-34
|
68.9
|
30.8
|
65.1
|
5
|
1,500,000
|
3,732
|
1,187,819,389
|
7
|
2,303,344
|
35-39
|
68.0
|
22.7
|
72.3
|
9
|
3,175,000
|
4,512
|
1,497,595,813
|
13
|
4,389,693
|
40-44
|
69.5
|
20.0
|
58.8
|
12
|
3,340,000
|
3,810
|
1,256,616,152
|
17
|
5,679,161
|
45-49
|
57.9
|
19.3
|
82.2
|
9
|
4,050,000
|
2,306
|
736,441,194
|
16
|
4,929,973
|
50-54
|
90.0
|
30.0
|
91.0
|
9
|
3,050,000
|
1,043
|
349,515,366
|
10
|
3,352,264
|
55-59
|
87.3
|
39.1
|
110.8
|
5
|
2,000,000
|
417
|
132,047,233
|
6
|
1,804,747
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
53
|
19,665,137
|
1
|
366,673
|
Total
|
69.7
|
9.8
|
75.1
|
51
|
17,865,000
|
18,535
|
5,997,602,696
|
73
|
23,780,072
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
368
|
104,723,425
|
0
|
71,722
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,269
|
388,060,425
|
1
|
397,224
|
30-34
|
45.7
|
32.3
|
53.6
|
2
|
750,000
|
2,822
|
902,466,679
|
4
|
1,399,317
|
35-39
|
81.9
|
29.0
|
66.6
|
8
|
2,125,000
|
4,164
|
1,359,063,404
|
10
|
3,191,601
|
40-44
|
55.5
|
19.6
|
60.6
|
8
|
2,910,000
|
4,088
|
1,355,901,818
|
14
|
4,798,600
|
45-49
|
79.6
|
22.1
|
97.0
|
13
|
5,180,000
|
3,031
|
990,460,899
|
16
|
5,337,775
|
50-54
|
57.1
|
20.2
|
52.8
|
8
|
2,350,000
|
1,786
|
568,326,398
|
14
|
4,451,077
|
55-59
|
110.4
|
36.8
|
142.3
|
9
|
3,800,000
|
725
|
237,365,375
|
8
|
2,670,248
|
60+
|
66.2
|
38.2
|
51.3
|
3
|
750,000
|
283
|
91,234,274
|
5
|
1,462,508
|
Total
|
69.7
|
9.8
|
75.1
|
51
|
17,865,000
|
18,535
|
5,997,602,696
|
73
|
23,780,072
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.1
TOTAL EXPERIENCE BY ILLNESS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
67.9
|
1.5
|
72.9
|
2,113
|
179,387,788
|
1,182,016
|
102,943,291,697
|
3,111
|
246,148,675
|
Cardio
|
38.1
|
1.6
|
36.8
|
594
|
49,650,996
|
1,182,016
|
102,943,291,697
|
1,558
|
134,835,683
|
Organ
|
8.0
|
2.1
|
5.6
|
15
|
919,477
|
1,164,529
|
101,644,068,408
|
187
|
16,443,611
|
Neuro
|
29.6
|
2.6
|
45.1
|
127
|
15,631,664
|
1,164,436
|
101,637,369,751
|
429
|
34,643,479
|
Accident/Infectious
|
52.2
|
9.0
|
62.6
|
34
|
3,520,000
|
1,166,882
|
101,801,318,049
|
65
|
5,621,827
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
222,915
|
20,148,013,857
|
13
|
1,116,079
|
Non-LT
|
51.0
|
13.4
|
54.2
|
15
|
1,398,700
|
587,148
|
11,193,903,714
|
29
|
2,579,811
|
Total
|
53.7
|
1.0
|
56.8
|
2,898
|
250,508,625
|
6,669,943
|
542,311,257,173
|
5,392
|
441,389,166
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.2
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
67.3
|
2.3
|
70.2
|
866
|
82,633,458
|
577,959
|
56,560,612,232
|
1,287
|
117,726,240
|
Cardio
|
41.2
|
1.9
|
39.3
|
474
|
42,229,608
|
577,959
|
56,560,612,232
|
1,149
|
107,382,519
|
Organ
|
11.3
|
3.1
|
7.0
|
13
|
779,477
|
568,567
|
55,797,750,996
|
116
|
11,189,643
|
Neuro
|
35.0
|
4.4
|
59.1
|
63
|
9,950,664
|
568,529
|
55,794,767,526
|
180
|
16,848,076
|
Accident/Infectious
|
46.6
|
11.3
|
59.2
|
17
|
2,085,000
|
569,848
|
55,886,248,430
|
37
|
3,522,660
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
107,151
|
11,281,382,631
|
6
|
666,041
|
Non-LT
|
73.2
|
20.6
|
71.3
|
13
|
1,220,100
|
291,990
|
6,157,672,668
|
17
|
1,710,203
|
Total
|
51.8
|
1.4
|
53.6
|
1,446
|
138,898,307
|
3,262,004
|
298,039,046,715
|
2,791
|
259,045,383
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.3
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
68.3
|
1.9
|
75.3
|
1,247
|
96,754,330
|
604,057
|
46,382,679,464
|
1,825
|
128,422,436
|
Cardio
|
29.3
|
2.7
|
27.0
|
120
|
7,421,388
|
604,057
|
46,382,679,464
|
409
|
27,453,164
|
Organ
|
2.8
|
2.0
|
2.7
|
2
|
140,000
|
595,961
|
45,846,317,412
|
72
|
5,253,968
|
Neuro
|
25.7
|
3.2
|
31.9
|
64
|
5,681,000
|
595,907
|
45,842,602,226
|
249
|
17,795,403
|
Accident/Infectious
|
59.5
|
14.4
|
68.4
|
17
|
1,435,000
|
597,034
|
45,915,069,619
|
29
|
2,099,167
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
115,764
|
8,866,631,227
|
6
|
450,038
|
Non-LT
|
16.8
|
12.2
|
20.5
|
2
|
178,600
|
295,158
|
5,036,231,046
|
11
|
869,607
|
Total
|
55.8
|
1.5
|
61.2
|
1,452
|
111,610,318
|
3,407,939
|
244,272,210,459
|
2,601
|
182,343,782
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.4
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
86.1
|
5.8
|
96.5
|
223
|
13,639,239
|
127,827
|
8,007,135,025
|
259
|
14,141,184
|
Cardio
|
89.5
|
8.3
|
85.5
|
116
|
6,580,193
|
127,827
|
8,007,135,025
|
130
|
7,697,784
|
Organ
|
5.5
|
5.5
|
2.2
|
1
|
25,000
|
125,642
|
7,887,347,651
|
18
|
1,114,677
|
Neuro
|
39.6
|
10.2
|
56.8
|
15
|
1,230,000
|
125,637
|
7,887,147,651
|
38
|
2,167,304
|
Accident/Infectious
|
43.7
|
25.2
|
69.1
|
3
|
300,000
|
125,961
|
7,907,122,722
|
7
|
434,064
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
22,517
|
1,468,637,023
|
1
|
72,293
|
Non-LT
|
42.3
|
45.9
|
26.8
|
1
|
35,250
|
52,962
|
661,921,214
|
2
|
131,328
|
Total
|
78.9
|
4.2
|
84.7
|
359
|
21,809,682
|
708,373
|
41,826,446,310
|
455
|
25,758,635
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.5
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
79.2
|
8.4
|
87.8
|
88
|
6,158,639
|
70,534
|
4,915,923,734
|
111
|
7,010,848
|
Cardio
|
98.0
|
9.9
|
91.7
|
97
|
5,763,065
|
70,534
|
4,915,923,734
|
99
|
6,284,611
|
Organ
|
8.4
|
8.4
|
3.1
|
1
|
25,000
|
69,323
|
4,847,058,842
|
12
|
802,625
|
Neuro
|
59.0
|
18.6
|
80.8
|
10
|
900,000
|
69,323
|
4,847,058,842
|
17
|
1,113,375
|
Accident/Infectious
|
69.1
|
39.9
|
99.3
|
3
|
300,000
|
69,529
|
4,859,614,273
|
4
|
302,093
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
12,592
|
942,183,089
|
1
|
47,509
|
Non-LT
|
50.7
|
62.9
|
31.1
|
1
|
28,250
|
30,132
|
405,269,609
|
1
|
90,728
|
Total
|
81.4
|
5.8
|
84.2
|
200
|
13,174,954
|
391,967
|
25,733,032,122
|
245
|
15,651,789
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.6
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
91.3
|
7.9
|
104.9
|
135
|
7,480,600
|
57,293
|
3,091,211,291
|
148
|
7,130,337
|
Cardio
|
62.0
|
14.2
|
57.8
|
19
|
817,128
|
57,293
|
3,091,211,291
|
31
|
1,413,173
|
Organ
|
0.0
|
0.0
|
0.0
|
0
|
0
|
56,319
|
3,040,288,809
|
6
|
312,053
|
Neuro
|
23.9
|
10.7
|
31.3
|
5
|
330,000
|
56,314
|
3,040,088,809
|
21
|
1,053,929
|
Accident/Infectious
|
0.0
|
0.0
|
0.0
|
0
|
0
|
56,432
|
3,047,508,449
|
3
|
131,971
|
LOIE & Non-LT
|
16.0
|
35.9
|
10.7
|
0
|
7,000
|
32,755
|
783,105,538
|
1
|
65,384
|
Total
|
76.1
|
6.0
|
85.4
|
159
|
8,634,728
|
316,406
|
16,093,414,188
|
209
|
10,106,846
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.7
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.3
|
1.5
|
71.4
|
1,890
|
165,748,549
|
1,054,189
|
94,936,156,672
|
2,852
|
232,007,491
|
Cardio
|
33.5
|
1.5
|
33.9
|
478
|
43,070,803
|
1,054,189
|
94,936,156,672
|
1,428
|
127,137,899
|
Organ
|
8.3
|
2.2
|
5.8
|
14
|
894,477
|
1,038,887
|
93,756,720,757
|
169
|
15,328,934
|
Neuro
|
28.6
|
2.7
|
44.3
|
112
|
14,401,664
|
1,038,799
|
93,750,222,101
|
391
|
32,476,176
|
Accident/Infectious
|
53.3
|
9.6
|
62.1
|
31
|
3,220,000
|
1,040,922
|
93,894,195,327
|
58
|
5,187,763
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
200,398
|
18,679,376,834
|
12
|
1,043,786
|
Non-LT
|
51.6
|
14.0
|
55.7
|
14
|
1,363,450
|
534,186
|
10,531,982,501
|
27
|
2,448,482
|
Total
|
51.4
|
1.0
|
55.0
|
2,539
|
228,698,943
|
5,961,569
|
500,484,810,863
|
4,938
|
415,630,531
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.8
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.2
|
2.4
|
69.1
|
778
|
76,474,819
|
507,424
|
51,644,688,498
|
1,176
|
110,715,392
|
Cardio
|
35.9
|
1.8
|
36.1
|
377
|
36,466,543
|
507,424
|
51,644,688,498
|
1,050
|
101,097,908
|
Organ
|
11.6
|
3.3
|
7.3
|
12
|
754,477
|
499,245
|
50,950,692,154
|
104
|
10,387,019
|
Neuro
|
32.5
|
4.5
|
57.5
|
53
|
9,050,664
|
499,206
|
50,947,708,684
|
163
|
15,734,701
|
Accident/Infectious
|
43.5
|
11.6
|
55.4
|
14
|
1,785,000
|
500,319
|
51,026,634,157
|
32
|
3,220,567
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
94,559
|
10,339,199,542
|
6
|
618,532
|
Non-LT
|
75.1
|
21.7
|
73.6
|
12
|
1,191,850
|
261,858
|
5,752,403,059
|
16
|
1,619,475
|
Total
|
48.9
|
1.4
|
51.7
|
1,246
|
125,723,353
|
2,870,037
|
272,306,014,592
|
2,546
|
243,393,595
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 4.9
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.3
|
2.0
|
73.6
|
1,112
|
89,273,730
|
546,764
|
43,291,468,174
|
1,677
|
121,292,099
|
Cardio
|
26.7
|
2.7
|
25.4
|
101
|
6,604,260
|
546,764
|
43,291,468,174
|
378
|
26,039,991
|
Organ
|
3.0
|
2.2
|
2.8
|
2
|
140,000
|
539,642
|
42,806,028,603
|
66
|
4,941,915
|
Neuro
|
25.8
|
3.4
|
32.0
|
59
|
5,351,000
|
539,593
|
42,802,513,417
|
228
|
16,741,474
|
Accident/Infectious
|
65.3
|
15.8
|
72.9
|
17
|
1,435,000
|
540,602
|
42,867,561,170
|
26
|
1,967,196
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
105,839
|
8,340,177,293
|
6
|
425,254
|
Non-LT
|
16.0
|
12.3
|
20.7
|
2
|
171,600
|
272,328
|
4,779,579,441
|
11
|
829,007
|
Total
|
54.1
|
1.5
|
59.8
|
1,293
|
102,975,590
|
3,091,533
|
228,178,796,271
|
2,391
|
172,236,937
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.1
HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.6
|
6.0
|
42.5
|
41
|
3,917,500
|
226,654
|
19,647,750,505
|
106
|
9,210,716
|
2
|
30.3
|
5.1
|
24.0
|
35
|
2,411,250
|
210,360
|
18,311,313,718
|
116
|
10,044,919
|
3
|
40.0
|
5.7
|
42.2
|
49
|
4,463,914
|
193,930
|
16,743,425,366
|
122
|
10,586,425
|
4
|
42.0
|
5.8
|
37.2
|
52
|
4,006,303
|
171,773
|
14,873,022,850
|
124
|
10,770,719
|
5
|
42.4
|
6.1
|
34.1
|
48
|
3,356,527
|
138,574
|
11,993,193,887
|
113
|
9,834,065
|
6
|
53.0
|
7.6
|
48.9
|
49
|
3,937,771
|
100,117
|
8,694,169,126
|
93
|
8,057,632
|
7+
|
41.8
|
5.0
|
40.5
|
71
|
6,265,499
|
140,608
|
12,680,416,246
|
170
|
15,457,476
|
Total
|
40.9
|
2.2
|
38.3
|
345
|
28,358,764
|
1,182,016
|
102,943,291,697
|
844
|
73,961,952
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.2
MALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
45.6
|
7.5
|
44.4
|
37
|
3,357,500
|
110,047
|
10,707,572,396
|
81
|
7,568,117
|
2
|
36.3
|
6.4
|
28.4
|
32
|
2,341,250
|
102,456
|
10,014,074,643
|
88
|
8,235,544
|
3
|
42.9
|
6.8
|
46.3
|
40
|
4,009,914
|
94,539
|
9,142,306,787
|
93
|
8,663,657
|
4
|
47.9
|
7.1
|
40.4
|
45
|
3,555,000
|
83,653
|
8,141,572,447
|
94
|
8,792,940
|
5
|
44.4
|
7.2
|
33.2
|
38
|
2,655,000
|
67,425
|
6,575,138,053
|
86
|
7,992,200
|
6
|
58.7
|
9.2
|
53.8
|
41
|
3,518,643
|
49,036
|
4,809,080,813
|
70
|
6,543,499
|
7+
|
50.4
|
6.3
|
45.6
|
65
|
5,745,499
|
70,802
|
7,170,867,095
|
129
|
12,587,862
|
Total
|
46.5
|
2.7
|
41.7
|
298
|
25,182,806
|
577,959
|
56,560,612,232
|
641
|
60,383,819
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.3
FEMALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.0
|
8.0
|
34.1
|
4
|
560,000
|
116,607
|
8,940,178,108
|
25
|
1,642,599
|
2
|
10.9
|
6.3
|
3.9
|
3
|
70,000
|
107,904
|
8,297,239,075
|
27
|
1,809,375
|
3
|
30.9
|
10.3
|
23.6
|
9
|
454,000
|
99,391
|
7,601,118,579
|
29
|
1,922,768
|
4
|
23.5
|
8.9
|
22.8
|
7
|
451,303
|
88,120
|
6,731,450,403
|
30
|
1,977,779
|
5
|
36.0
|
11.4
|
38.1
|
10
|
701,527
|
71,149
|
5,418,055,834
|
28
|
1,841,865
|
6
|
35.2
|
12.5
|
27.7
|
8
|
419,128
|
51,081
|
3,885,088,313
|
23
|
1,514,133
|
7+
|
14.7
|
6.0
|
18.1
|
6
|
520,000
|
69,806
|
5,509,549,151
|
41
|
2,869,614
|
Total
|
23.2
|
3.4
|
23.4
|
47
|
3,175,958
|
604,057
|
46,382,679,464
|
203
|
13,578,133
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.4
HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
150.9
|
37.7
|
171.5
|
16
|
1,042,500
|
27,649
|
1,738,751,182
|
11
|
607,843
|
2
|
92.4
|
29.2
|
66.7
|
10
|
410,000
|
24,134
|
1,499,593,058
|
11
|
614,699
|
3
|
111.1
|
32.1
|
111.3
|
12
|
689,065
|
21,160
|
1,292,137,005
|
11
|
618,846
|
4
|
104.3
|
31.5
|
115.4
|
11
|
720,000
|
18,105
|
1,116,536,535
|
11
|
623,864
|
5
|
97.2
|
32.4
|
89.9
|
9
|
500,000
|
13,992
|
867,012,849
|
9
|
556,395
|
6
|
164.2
|
47.4
|
126.9
|
12
|
567,628
|
9,756
|
609,521,362
|
7
|
447,164
|
7+
|
119.9
|
30.0
|
102.9
|
16
|
925,000
|
13,032
|
883,583,034
|
13
|
898,560
|
Total
|
118.3
|
12.8
|
111.1
|
86
|
4,854,193
|
127,827
|
8,007,135,025
|
73
|
4,367,372
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.5
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
176.8
|
45.6
|
192.6
|
15
|
992,500
|
15,663
|
1,084,893,455
|
8
|
515,318
|
2
|
116.5
|
36.8
|
79.4
|
10
|
410,000
|
13,407
|
919,659,288
|
9
|
516,364
|
3
|
140.9
|
40.7
|
133.4
|
12
|
689,065
|
11,564
|
781,045,330
|
9
|
516,567
|
4
|
132.8
|
40.0
|
137.8
|
11
|
720,000
|
9,847
|
679,156,534
|
8
|
522,637
|
5
|
82.9
|
33.8
|
67.7
|
6
|
315,000
|
7,573
|
526,043,789
|
7
|
465,098
|
6
|
140.2
|
49.6
|
97.1
|
8
|
363,500
|
5,277
|
372,746,437
|
6
|
374,522
|
7+
|
151.7
|
37.9
|
121.8
|
16
|
925,000
|
7,205
|
552,378,902
|
11
|
759,398
|
Total
|
136.0
|
15.4
|
120.3
|
78
|
4,415,065
|
70,534
|
4,915,923,734
|
57
|
3,669,904
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.6
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
47.2
|
47.2
|
54.0
|
1
|
50,000
|
11,985
|
653,857,727
|
2
|
92,525
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10,727
|
579,933,770
|
2
|
98,335
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,596
|
511,091,676
|
2
|
102,279
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,258
|
437,380,001
|
2
|
101,227
|
5
|
148.8
|
85.9
|
202.6
|
3
|
185,000
|
6,419
|
340,969,060
|
2
|
91,297
|
6
|
250.0
|
125.0
|
281.0
|
4
|
204,128
|
4,480
|
236,774,925
|
2
|
72,642
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
5,827
|
331,204,132
|
3
|
139,162
|
Total
|
52.3
|
18.5
|
63.0
|
8
|
439,128
|
57,293
|
3,091,211,291
|
15
|
697,468
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.7
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.1
|
5.2
|
33.4
|
25
|
2,875,000
|
199,006
|
17,908,999,323
|
96
|
8,602,872
|
2
|
23.9
|
4.8
|
21.2
|
25
|
2,001,250
|
186,226
|
16,811,720,660
|
105
|
9,430,220
|
3
|
33.1
|
5.4
|
37.9
|
37
|
3,774,849
|
172,770
|
15,451,288,360
|
112
|
9,967,578
|
4
|
36.2
|
5.7
|
32.4
|
41
|
3,286,303
|
153,668
|
13,756,486,315
|
113
|
10,146,855
|
5
|
37.5
|
6.0
|
30.8
|
39
|
2,856,527
|
124,582
|
11,126,181,038
|
104
|
9,277,670
|
6
|
43.4
|
7.1
|
44.3
|
37
|
3,370,143
|
90,360
|
8,084,647,764
|
85
|
7,610,468
|
7+
|
35.2
|
4.7
|
36.7
|
55
|
5,340,499
|
127,576
|
11,796,833,212
|
156
|
14,558,916
|
Total
|
33.6
|
2.1
|
33.8
|
259
|
23,504,571
|
1,054,189
|
94,936,156,672
|
771
|
69,594,580
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.8
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.3
|
6.5
|
33.5
|
22
|
2,365,000
|
94,384
|
9,622,678,941
|
73
|
7,052,799
|
2
|
27.7
|
5.9
|
25.0
|
22
|
1,931,250
|
89,049
|
9,094,415,355
|
80
|
7,719,181
|
3
|
33.0
|
6.2
|
40.8
|
28
|
3,320,849
|
82,976
|
8,361,261,457
|
85
|
8,147,089
|
4
|
39.7
|
6.8
|
34.3
|
34
|
2,835,000
|
73,806
|
7,462,415,913
|
86
|
8,270,303
|
5
|
40.9
|
7.2
|
31.1
|
32
|
2,340,000
|
59,853
|
6,049,094,263
|
78
|
7,527,102
|
6
|
51.5
|
9.0
|
51.1
|
33
|
3,155,143
|
43,759
|
4,436,334,376
|
64
|
6,168,977
|
7+
|
41.4
|
5.9
|
40.8
|
49
|
4,820,499
|
63,597
|
6,618,488,193
|
118
|
11,828,464
|
Total
|
37.7
|
2.5
|
36.6
|
220
|
20,767,741
|
507,424
|
51,644,688,498
|
583
|
56,713,915
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 5.9
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.1
|
7.6
|
32.9
|
3
|
510,000
|
104,621
|
8,286,320,382
|
23
|
1,550,073
|
2
|
11.9
|
6.9
|
4.1
|
3
|
70,000
|
97,177
|
7,717,305,305
|
25
|
1,711,039
|
3
|
33.5
|
11.2
|
24.9
|
9
|
454,000
|
89,794
|
7,090,026,903
|
27
|
1,820,489
|
4
|
25.4
|
9.6
|
24.0
|
7
|
451,303
|
79,862
|
6,294,070,402
|
28
|
1,876,552
|
5
|
27.2
|
10.3
|
29.5
|
7
|
516,527
|
64,730
|
5,077,086,774
|
26
|
1,750,568
|
6
|
18.9
|
9.5
|
14.9
|
4
|
215,000
|
46,601
|
3,648,313,388
|
21
|
1,441,491
|
7+
|
15.8
|
6.4
|
19.0
|
6
|
520,000
|
63,979
|
5,178,345,019
|
38
|
2,730,452
|
Total
|
20.8
|
3.3
|
21.2
|
39
|
2,736,830
|
546,764
|
43,291,468,174
|
187
|
12,880,665
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.1
LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
33.4
|
2.9
|
37.2
|
134
|
11,585,000
|
226,654
|
19,647,750,505
|
401
|
31,126,909
|
2
|
65.1
|
3.9
|
68.4
|
277
|
22,719,548
|
210,360
|
18,311,313,718
|
426
|
33,196,194
|
3
|
72.4
|
4.0
|
82.9
|
321
|
28,550,927
|
193,930
|
16,743,425,366
|
443
|
34,448,414
|
4
|
74.8
|
4.1
|
79.8
|
332
|
27,703,383
|
171,773
|
14,873,022,850
|
444
|
34,722,251
|
5
|
72.6
|
4.2
|
75.3
|
293
|
23,744,781
|
138,574
|
11,993,193,887
|
403
|
31,553,446
|
6
|
71.8
|
4.7
|
78.9
|
234
|
20,196,539
|
100,117
|
8,694,169,126
|
326
|
25,600,529
|
7+
|
80.4
|
3.7
|
81.9
|
470
|
39,876,467
|
140,608
|
12,680,416,246
|
584
|
48,664,477
|
Total
|
68.1
|
1.5
|
72.9
|
2,061
|
174,376,645
|
1,182,016
|
102,943,291,697
|
3,027
|
239,312,222
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.2
MALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.0
|
4.3
|
34.2
|
42
|
4,685,000
|
110,047
|
10,707,572,396
|
150
|
13,702,626
|
2
|
70.7
|
6.6
|
68.0
|
116
|
10,156,045
|
102,456
|
10,014,074,643
|
164
|
14,944,814
|
3
|
71.0
|
6.4
|
85.5
|
125
|
13,546,032
|
94,539
|
9,142,306,787
|
176
|
15,847,698
|
4
|
73.6
|
6.4
|
78.7
|
133
|
12,894,492
|
83,653
|
8,141,572,447
|
181
|
16,378,909
|
5
|
73.2
|
6.6
|
67.6
|
123
|
10,234,597
|
67,425
|
6,575,138,053
|
168
|
15,146,359
|
6
|
65.1
|
6.8
|
68.3
|
91
|
8,614,485
|
49,036
|
4,809,080,813
|
140
|
12,610,299
|
7+
|
77.8
|
5.3
|
80.0
|
214
|
20,773,034
|
70,802
|
7,170,867,095
|
275
|
25,976,342
|
Total
|
67.3
|
2.3
|
70.6
|
844
|
80,903,685
|
577,959
|
56,560,612,232
|
1,254
|
114,607,048
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.3
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
36.7
|
3.8
|
39.6
|
92
|
6,900,000
|
116,607
|
8,940,178,108
|
251
|
17,424,283
|
2
|
61.6
|
4.9
|
68.8
|
161
|
12,563,503
|
107,904
|
8,297,239,075
|
261
|
18,251,380
|
3
|
73.3
|
5.2
|
80.7
|
196
|
15,004,895
|
99,391
|
7,601,118,579
|
267
|
18,600,717
|
4
|
75.7
|
5.4
|
80.7
|
199
|
14,808,891
|
88,120
|
6,731,450,403
|
263
|
18,343,342
|
5
|
72.2
|
5.5
|
82.3
|
170
|
13,510,184
|
71,149
|
5,418,055,834
|
235
|
16,407,087
|
6
|
76.9
|
6.4
|
89.2
|
143
|
11,582,054
|
51,081
|
3,885,088,313
|
186
|
12,990,230
|
7+
|
82.7
|
5.2
|
84.2
|
256
|
19,103,433
|
69,806
|
5,509,549,151
|
310
|
22,688,135
|
Total
|
68.6
|
2.0
|
75.0
|
1,217
|
93,472,960
|
604,057
|
46,382,679,464
|
1,773
|
124,705,174
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.4
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
49.5
|
11.3
|
66.8
|
19
|
1,365,000
|
27,649
|
1,738,751,182
|
38
|
2,043,398
|
2
|
72.8
|
13.8
|
75.4
|
28
|
1,525,000
|
24,134
|
1,499,593,058
|
38
|
2,021,836
|
3
|
102.8
|
16.5
|
156.5
|
39
|
3,117,508
|
21,160
|
1,292,137,005
|
38
|
1,992,333
|
4
|
87.9
|
15.5
|
58.1
|
32
|
1,128,186
|
18,105
|
1,116,536,535
|
36
|
1,942,018
|
5
|
101.3
|
17.9
|
139.1
|
32
|
2,369,605
|
13,992
|
867,012,849
|
32
|
1,704,076
|
6
|
73.2
|
17.3
|
53.7
|
18
|
720,000
|
9,756
|
609,521,362
|
25
|
1,340,799
|
7+
|
108.2
|
15.8
|
111.7
|
47
|
2,936,070
|
13,032
|
883,583,034
|
43
|
2,629,323
|
Total
|
85.7
|
5.8
|
96.3
|
215
|
13,161,369
|
127,827
|
8,007,135,025
|
251
|
13,673,782
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.5
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
56.2
|
18.7
|
75.1
|
9
|
740,000
|
15,663
|
1,084,893,455
|
16
|
985,634
|
2
|
94.4
|
24.4
|
99.3
|
15
|
950,000
|
13,407
|
919,659,288
|
16
|
956,290
|
3
|
96.0
|
24.8
|
103.0
|
15
|
963,508
|
11,564
|
781,045,330
|
16
|
935,761
|
4
|
66.0
|
20.9
|
48.6
|
10
|
455,531
|
9,847
|
679,156,534
|
15
|
936,352
|
5
|
90.0
|
26.0
|
117.7
|
12
|
979,600
|
7,573
|
526,043,789
|
13
|
832,461
|
6
|
28.4
|
16.4
|
14.9
|
3
|
100,000
|
5,277
|
372,746,437
|
11
|
670,374
|
7+
|
100.2
|
21.9
|
120.0
|
21
|
1,745,000
|
7,205
|
552,378,902
|
21
|
1,454,134
|
Total
|
79.0
|
8.6
|
87.6
|
85
|
5,933,639
|
70,534
|
4,915,923,734
|
108
|
6,771,005
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.6
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
44.6
|
14.1
|
59.1
|
10
|
625,000
|
11,985
|
653,857,727
|
22
|
1,057,765
|
2
|
57.6
|
16.0
|
54.0
|
13
|
575,000
|
10,727
|
579,933,770
|
23
|
1,065,546
|
3
|
107.6
|
22.0
|
203.9
|
24
|
2,154,000
|
9,596
|
511,091,676
|
22
|
1,056,572
|
4
|
103.5
|
22.1
|
66.9
|
22
|
672,655
|
8,258
|
437,380,001
|
21
|
1,005,665
|
5
|
109.5
|
24.5
|
159.5
|
20
|
1,390,005
|
6,419
|
340,969,060
|
18
|
871,615
|
6
|
107.1
|
27.7
|
92.5
|
15
|
620,000
|
4,480
|
236,774,925
|
14
|
670,425
|
7+
|
115.8
|
22.7
|
101.4
|
26
|
1,191,070
|
5,827
|
331,204,132
|
22
|
1,175,189
|
Total
|
90.7
|
8.0
|
104.7
|
130
|
7,227,730
|
57,293
|
3,091,211,291
|
143
|
6,902,777
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.7
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.7
|
3.0
|
35.1
|
115
|
10,220,000
|
199,006
|
17,908,999,323
|
362
|
29,083,511
|
2
|
64.3
|
4.1
|
68.0
|
249
|
21,194,548
|
186,226
|
16,811,720,660
|
387
|
31,174,358
|
3
|
69.6
|
4.1
|
78.4
|
282
|
25,433,419
|
172,770
|
15,451,288,360
|
405
|
32,456,082
|
4
|
73.7
|
4.3
|
81.1
|
300
|
26,575,197
|
153,668
|
13,756,486,315
|
407
|
32,780,234
|
5
|
70.2
|
4.3
|
71.6
|
261
|
21,375,176
|
124,582
|
11,126,181,038
|
372
|
29,849,370
|
6
|
71.7
|
4.9
|
80.3
|
216
|
19,476,539
|
90,360
|
8,084,647,764
|
301
|
24,259,730
|
7+
|
78.2
|
3.8
|
80.2
|
423
|
36,940,397
|
127,576
|
11,796,833,212
|
541
|
46,035,154
|
Total
|
66.5
|
1.5
|
71.4
|
1,846
|
161,215,276
|
1,054,189
|
94,936,156,672
|
2,776
|
225,638,439
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.8
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.6
|
4.3
|
31.0
|
33
|
3,945,000
|
94,384
|
9,622,678,941
|
134
|
12,716,993
|
2
|
68.2
|
6.8
|
65.8
|
101
|
9,206,045
|
89,049
|
9,094,415,355
|
148
|
13,988,524
|
3
|
68.6
|
6.5
|
84.4
|
110
|
12,582,524
|
82,976
|
8,361,261,457
|
160
|
14,911,937
|
4
|
74.3
|
6.7
|
80.5
|
123
|
12,438,961
|
73,806
|
7,462,415,913
|
166
|
15,442,557
|
5
|
71.7
|
6.8
|
64.7
|
111
|
9,254,997
|
59,853
|
6,049,094,263
|
155
|
14,313,898
|
6
|
68.1
|
7.3
|
71.3
|
88
|
8,514,485
|
43,759
|
4,436,334,376
|
129
|
11,939,925
|
7+
|
76.0
|
5.5
|
77.6
|
193
|
19,028,034
|
63,597
|
6,618,488,193
|
254
|
24,522,209
|
Total
|
66.2
|
2.4
|
69.5
|
759
|
74,970,046
|
507,424
|
51,644,688,498
|
1,146
|
107,836,043
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 6.9
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.9
|
4.0
|
38.3
|
82
|
6,275,000
|
104,621
|
8,286,320,382
|
228
|
16,366,518
|
2
|
62.0
|
5.1
|
69.8
|
148
|
11,988,503
|
97,177
|
7,717,305,305
|
239
|
17,185,834
|
3
|
70.2
|
5.4
|
73.2
|
172
|
12,850,895
|
89,794
|
7,090,026,903
|
245
|
17,544,145
|
4
|
73.2
|
5.5
|
81.5
|
177
|
14,136,236
|
79,862
|
6,294,070,402
|
242
|
17,337,677
|
5
|
69.1
|
5.6
|
78.0
|
150
|
12,120,179
|
64,730
|
5,077,086,774
|
217
|
15,535,472
|
6
|
74.5
|
6.6
|
89.0
|
128
|
10,962,054
|
46,601
|
3,648,313,388
|
172
|
12,319,805
|
7+
|
80.1
|
5.3
|
83.3
|
230
|
17,912,363
|
63,979
|
5,178,345,019
|
287
|
21,512,946
|
Total
|
66.7
|
2.0
|
73.2
|
1,087
|
86,245,230
|
546,764
|
43,291,468,174
|
1,630
|
117,802,397
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.1
STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.9
|
6.6
|
16.4
|
10
|
644,000
|
226,654
|
19,647,750,505
|
48
|
3,926,199
|
2
|
45.0
|
9.4
|
34.0
|
23
|
1,433,189
|
210,360
|
18,311,313,718
|
51
|
4,209,658
|
3
|
26.1
|
7.0
|
39.3
|
14
|
1,725,000
|
193,930
|
16,743,425,366
|
54
|
4,386,837
|
4
|
48.2
|
9.5
|
59.0
|
26
|
2,619,000
|
171,773
|
14,873,022,850
|
54
|
4,438,997
|
5
|
36.4
|
8.6
|
29.9
|
18
|
1,210,000
|
138,574
|
11,993,193,887
|
49
|
4,045,753
|
6
|
29.8
|
8.6
|
27.9
|
12
|
922,491
|
100,117
|
8,694,169,126
|
40
|
3,305,655
|
7+
|
39.1
|
7.3
|
46.1
|
29
|
2,949,000
|
140,608
|
12,680,416,246
|
74
|
6,390,380
|
Total
|
35.7
|
3.1
|
37.5
|
132
|
11,502,680
|
1,182,016
|
102,943,291,697
|
370
|
30,703,479
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.2
MALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.3
|
9.1
|
18.8
|
6
|
470,000
|
110,047
|
10,707,572,396
|
27
|
2,496,370
|
2
|
37.7
|
11.4
|
29.7
|
11
|
805,000
|
102,456
|
10,014,074,643
|
29
|
2,707,267
|
3
|
32.3
|
10.2
|
40.9
|
10
|
1,165,000
|
94,539
|
9,142,306,787
|
31
|
2,847,512
|
4
|
47.7
|
12.3
|
66.2
|
15
|
1,924,000
|
83,653
|
8,141,572,447
|
31
|
2,905,659
|
5
|
38.1
|
11.5
|
25.8
|
11
|
685,000
|
67,425
|
6,575,138,053
|
29
|
2,656,282
|
6
|
29.5
|
11.1
|
30.8
|
7
|
675,000
|
49,036
|
4,809,080,813
|
24
|
2,188,317
|
7+
|
44.1
|
9.9
|
56.5
|
20
|
2,454,000
|
70,802
|
7,170,867,095
|
45
|
4,345,667
|
Total
|
37.0
|
4.1
|
40.6
|
80
|
8,178,000
|
577,959
|
56,560,612,232
|
216
|
20,147,073
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.3
FEMALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.2
|
9.6
|
12.2
|
4
|
174,000
|
116,607
|
8,940,178,108
|
21
|
1,429,830
|
2
|
54.8
|
15.8
|
41.8
|
12
|
628,189
|
107,904
|
8,297,239,075
|
22
|
1,502,390
|
3
|
17.7
|
8.9
|
36.4
|
4
|
560,000
|
99,391
|
7,601,118,579
|
23
|
1,539,325
|
4
|
48.8
|
14.7
|
45.3
|
11
|
695,000
|
88,120
|
6,731,450,403
|
23
|
1,533,339
|
5
|
34.1
|
12.9
|
37.8
|
7
|
525,000
|
71,149
|
5,418,055,834
|
21
|
1,389,471
|
6
|
30.3
|
13.6
|
22.2
|
5
|
247,491
|
51,081
|
3,885,088,313
|
16
|
1,117,338
|
7+
|
31.1
|
10.4
|
24.2
|
9
|
495,000
|
69,806
|
5,509,549,151
|
29
|
2,044,713
|
Total
|
33.8
|
4.7
|
31.5
|
52
|
3,324,680
|
604,057
|
46,382,679,464
|
154
|
10,556,406
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.4
STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
27,649
|
1,738,751,182
|
5
|
263,435
|
2
|
63.4
|
36.6
|
32.6
|
3
|
85,000
|
24,134
|
1,499,593,058
|
5
|
260,763
|
3
|
42.8
|
30.3
|
126.1
|
2
|
325,000
|
21,160
|
1,292,137,005
|
5
|
257,734
|
4
|
111.2
|
49.7
|
117.7
|
5
|
299,000
|
18,105
|
1,116,536,535
|
4
|
254,035
|
5
|
51.0
|
36.1
|
67.0
|
2
|
150,000
|
13,992
|
867,012,849
|
4
|
223,886
|
6
|
65.0
|
46.0
|
56.3
|
2
|
100,000
|
9,756
|
609,521,362
|
3
|
177,651
|
7+
|
53.7
|
31.0
|
50.5
|
3
|
179,000
|
13,032
|
883,583,034
|
6
|
354,654
|
Total
|
54.5
|
13.2
|
63.5
|
17
|
1,138,000
|
127,827
|
8,007,135,025
|
31
|
1,792,158
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.5
MALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15,663
|
1,084,893,455
|
3
|
176,033
|
2
|
35.0
|
35.0
|
28.9
|
1
|
50,000
|
13,407
|
919,659,288
|
3
|
173,158
|
3
|
71.0
|
50.2
|
190.2
|
2
|
325,000
|
11,564
|
781,045,330
|
3
|
170,907
|
4
|
146.8
|
73.4
|
145.4
|
4
|
249,000
|
9,847
|
679,156,534
|
3
|
171,279
|
5
|
42.0
|
42.0
|
82.4
|
1
|
125,000
|
7,573
|
526,043,789
|
2
|
151,776
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
5,277
|
372,746,437
|
2
|
121,903
|
7+
|
55.9
|
39.5
|
50.9
|
2
|
129,000
|
7,205
|
552,378,902
|
4
|
253,258
|
Total
|
52.4
|
16.6
|
72.1
|
10
|
878,000
|
70,534
|
4,915,923,734
|
19
|
1,218,315
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.6
FEMALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11,985
|
653,857,727
|
2
|
87,402
|
2
|
106.8
|
75.5
|
40.0
|
2
|
35,000
|
10,727
|
579,933,770
|
2
|
87,605
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,596
|
511,091,676
|
2
|
86,826
|
4
|
56.4
|
56.4
|
60.4
|
1
|
50,000
|
8,258
|
437,380,001
|
2
|
82,756
|
5
|
65.0
|
65.0
|
34.7
|
1
|
25,000
|
6,419
|
340,969,060
|
2
|
72,109
|
6
|
167.3
|
118.3
|
179.4
|
2
|
100,000
|
4,480
|
236,774,925
|
1
|
55,748
|
7+
|
49.8
|
49.8
|
49.3
|
1
|
50,000
|
5,827
|
331,204,132
|
2
|
101,396
|
Total
|
57.9
|
21.9
|
45.3
|
7
|
260,000
|
57,293
|
3,091,211,291
|
12
|
573,843
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.7
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.2
|
7.3
|
17.6
|
10
|
644,000
|
199,006
|
17,908,999,323
|
43
|
3,662,764
|
2
|
43.2
|
9.6
|
34.1
|
20
|
1,348,189
|
186,226
|
16,811,720,660
|
46
|
3,948,895
|
3
|
24.5
|
7.1
|
33.9
|
12
|
1,400,000
|
172,770
|
15,451,288,360
|
49
|
4,129,104
|
4
|
42.5
|
9.3
|
55.4
|
21
|
2,320,000
|
153,668
|
13,756,486,315
|
49
|
4,184,962
|
5
|
35.2
|
8.8
|
27.7
|
16
|
1,060,000
|
124,582
|
11,126,181,038
|
45
|
3,821,867
|
6
|
26.9
|
8.5
|
26.3
|
10
|
822,491
|
90,360
|
8,084,647,764
|
37
|
3,128,004
|
7+
|
37.9
|
7.4
|
45.9
|
26
|
2,770,000
|
127,576
|
11,796,833,212
|
69
|
6,035,726
|
Total
|
33.9
|
3.2
|
35.8
|
115
|
10,364,680
|
1,054,189
|
94,936,156,672
|
339
|
28,911,321
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.8
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.0
|
10.2
|
20.3
|
6
|
470,000
|
94,384
|
9,622,678,941
|
24
|
2,320,336
|
2
|
38.0
|
12.0
|
29.8
|
10
|
755,000
|
89,049
|
9,094,415,355
|
26
|
2,534,110
|
3
|
28.4
|
10.0
|
31.4
|
8
|
840,000
|
82,976
|
8,361,261,457
|
28
|
2,676,604
|
4
|
38.3
|
11.6
|
61.3
|
11
|
1,675,000
|
73,806
|
7,462,415,913
|
29
|
2,734,379
|
5
|
37.7
|
11.9
|
22.4
|
10
|
560,000
|
59,853
|
6,049,094,263
|
26
|
2,504,506
|
6
|
32.0
|
12.1
|
32.7
|
7
|
675,000
|
43,759
|
4,436,334,376
|
22
|
2,066,414
|
7+
|
43.1
|
10.2
|
56.8
|
18
|
2,325,000
|
63,597
|
6,618,488,193
|
42
|
4,092,409
|
Total
|
35.5
|
4.2
|
38.6
|
70
|
7,300,000
|
507,424
|
51,644,688,498
|
197
|
18,928,759
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 7.9
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.1
|
10.5
|
13.0
|
4
|
174,000
|
104,621
|
8,286,320,382
|
19
|
1,342,428
|
2
|
49.9
|
15.8
|
41.9
|
10
|
593,189
|
97,177
|
7,717,305,305
|
20
|
1,414,785
|
3
|
19.3
|
9.6
|
38.6
|
4
|
560,000
|
89,794
|
7,090,026,903
|
21
|
1,452,499
|
4
|
48.2
|
15.2
|
44.5
|
10
|
645,000
|
79,862
|
6,294,070,402
|
21
|
1,450,583
|
5
|
31.6
|
12.9
|
38.0
|
6
|
500,000
|
64,730
|
5,077,086,774
|
19
|
1,317,362
|
6
|
19.6
|
11.3
|
13.9
|
3
|
147,491
|
46,601
|
3,648,313,388
|
15
|
1,061,590
|
7+
|
29.7
|
10.5
|
22.9
|
8
|
445,000
|
63,979
|
5,178,345,019
|
27
|
1,943,317
|
Total
|
31.8
|
4.7
|
30.7
|
45
|
3,064,680
|
546,764
|
43,291,468,174
|
142
|
9,982,563
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.1
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.1
|
5.4
|
31.5
|
35
|
3,295,000
|
40,763
|
3,964,684,143
|
109
|
10,466,904
|
2
|
43.3
|
6.7
|
47.9
|
42
|
4,464,000
|
30,769
|
3,035,679,967
|
97
|
9,313,574
|
3
|
47.3
|
6.7
|
45.9
|
50
|
4,742,200
|
27,544
|
2,815,390,526
|
105
|
10,321,227
|
4
|
53.4
|
6.5
|
56.7
|
67
|
7,109,490
|
27,381
|
2,855,866,812
|
125
|
12,531,680
|
5
|
55.6
|
6.5
|
42.8
|
74
|
5,345,000
|
25,037
|
2,475,597,354
|
134
|
12,493,591
|
6
|
64.4
|
7.9
|
60.5
|
67
|
5,340,000
|
17,696
|
1,616,889,408
|
104
|
8,823,523
|
7+
|
74.1
|
8.4
|
77.5
|
78
|
6,491,000
|
16,683
|
1,447,102,573
|
105
|
8,374,954
|
Total
|
53.0
|
2.6
|
50.9
|
413
|
36,786,690
|
185,873
|
18,211,210,783
|
780
|
72,325,453
|
By Issue Age
|
20-24
|
45.4
|
22.7
|
35.5
|
4
|
285,000
|
11,712
|
1,073,260,441
|
9
|
802,353
|
25-29
|
56.0
|
14.0
|
64.4
|
16
|
1,730,000
|
25,921
|
2,454,357,685
|
29
|
2,688,351
|
30-34
|
65.1
|
10.7
|
50.1
|
37
|
2,895,000
|
33,710
|
3,471,545,592
|
57
|
5,780,107
|
35-39
|
43.2
|
6.7
|
33.5
|
42
|
3,415,000
|
36,505
|
3,880,091,127
|
98
|
10,203,277
|
40-44
|
56.8
|
6.1
|
53.1
|
87
|
8,165,000
|
34,671
|
3,535,923,812
|
153
|
15,369,137
|
45-49
|
53.1
|
5.4
|
50.0
|
98
|
8,514,490
|
25,433
|
2,346,556,878
|
185
|
17,037,186
|
50-54
|
54.0
|
6.1
|
56.0
|
79
|
6,962,600
|
12,548
|
1,050,018,039
|
146
|
12,425,323
|
55-59
|
51.2
|
8.1
|
62.5
|
40
|
3,874,600
|
4,423
|
334,235,575
|
78
|
6,203,295
|
60+
|
37.0
|
12.3
|
52.0
|
9
|
945,000
|
950
|
65,221,634
|
24
|
1,816,424
|
Total
|
53.0
|
2.6
|
50.9
|
413
|
36,786,690
|
185,873
|
18,211,210,783
|
780
|
72,325,453
|
By Attained Age
|
20-24
|
23.4
|
23.4
|
25.7
|
1
|
100,000
|
6,470
|
592,043,687
|
4
|
389,653
|
25-29
|
59.7
|
18.0
|
45.9
|
11
|
775,000
|
19,910
|
1,839,153,056
|
18
|
1,688,191
|
30-34
|
51.4
|
11.2
|
55.5
|
21
|
2,240,000
|
29,609
|
2,959,781,537
|
41
|
4,035,420
|
35-39
|
56.6
|
8.9
|
42.5
|
40
|
3,135,000
|
33,847
|
3,577,624,370
|
71
|
7,373,221
|
40-44
|
47.1
|
6.4
|
38.6
|
54
|
4,665,000
|
34,471
|
3,665,687,251
|
115
|
12,087,379
|
45-49
|
56.0
|
5.9
|
54.5
|
91
|
8,665,000
|
29,875
|
2,923,571,010
|
163
|
15,904,956
|
50-54
|
54.1
|
5.6
|
44.8
|
93
|
6,921,090
|
19,537
|
1,726,062,154
|
172
|
15,435,015
|
55-59
|
47.2
|
6.2
|
62.2
|
57
|
6,142,000
|
8,743
|
687,691,008
|
121
|
9,868,391
|
60-64
|
65.2
|
10.7
|
87.9
|
37
|
3,823,600
|
2,803
|
200,753,266
|
57
|
4,347,697
|
65+
|
41.4
|
15.7
|
26.8
|
7
|
320,000
|
609
|
38,843,444
|
17
|
1,195,530
|
Total
|
53.0
|
2.6
|
50.9
|
413
|
36,786,690
|
185,873
|
18,211,210,783
|
780
|
72,325,453
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.2
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.2
|
10.5
|
18.8
|
4
|
320,000
|
7,583
|
696,524,739
|
19
|
1,705,812
|
2
|
40.0
|
12.0
|
35.0
|
11
|
860,000
|
9,115
|
862,895,169
|
28
|
2,454,057
|
3
|
46.5
|
12.4
|
55.6
|
14
|
1,420,000
|
8,838
|
804,795,987
|
30
|
2,555,860
|
4
|
41.4
|
11.1
|
34.4
|
14
|
1,000,000
|
8,903
|
817,236,208
|
34
|
2,903,310
|
5
|
67.2
|
12.1
|
64.8
|
31
|
2,935,000
|
10,170
|
1,031,033,592
|
46
|
4,526,437
|
6
|
46.8
|
9.2
|
43.6
|
26
|
2,560,750
|
10,183
|
1,097,109,150
|
56
|
5,879,956
|
7+
|
73.1
|
9.4
|
76.3
|
60
|
6,935,000
|
13,255
|
1,456,951,012
|
82
|
9,089,945
|
Total
|
54.3
|
4.3
|
55.1
|
160
|
16,030,750
|
68,046
|
6,766,545,856
|
295
|
29,115,377
|
By Issue Age
|
20-24
|
62.0
|
43.9
|
80.1
|
2
|
225,000
|
4,139
|
362,229,457
|
3
|
280,791
|
25-29
|
53.0
|
21.6
|
69.3
|
6
|
730,000
|
9,822
|
911,480,403
|
11
|
1,053,234
|
30-34
|
60.4
|
16.1
|
39.6
|
14
|
970,000
|
12,903
|
1,360,685,986
|
23
|
2,451,771
|
35-39
|
59.9
|
12.2
|
55.9
|
24
|
2,385,000
|
14,042
|
1,502,264,631
|
40
|
4,269,008
|
40-44
|
67.3
|
10.5
|
75.4
|
41
|
4,865,750
|
12,646
|
1,321,606,225
|
61
|
6,451,076
|
45-49
|
51.1
|
8.8
|
54.4
|
34
|
3,415,000
|
8,400
|
766,975,967
|
67
|
6,282,279
|
50-54
|
43.1
|
8.8
|
32.2
|
24
|
1,745,000
|
4,430
|
402,196,076
|
56
|
5,413,290
|
55+
|
44.9
|
11.6
|
58.2
|
15
|
1,695,000
|
1,664
|
139,107,112
|
33
|
2,913,927
|
Total
|
54.3
|
4.3
|
55.1
|
160
|
16,030,750
|
68,046
|
6,766,545,856
|
295
|
29,115,377
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,727
|
150,621,544
|
1
|
97,490
|
25-29
|
67.6
|
33.8
|
88.1
|
4
|
455,000
|
6,495
|
570,091,528
|
6
|
516,352
|
30-34
|
36.1
|
16.1
|
33.1
|
5
|
440,000
|
10,308
|
996,231,244
|
14
|
1,328,852
|
35-39
|
50.4
|
14.0
|
38.2
|
13
|
1,025,000
|
12,741
|
1,344,492,605
|
26
|
2,682,071
|
40-44
|
68.3
|
12.7
|
54.0
|
29
|
2,385,000
|
13,103
|
1,389,737,465
|
42
|
4,419,905
|
45-49
|
58.9
|
10.0
|
59.0
|
35
|
3,555,750
|
11,138
|
1,140,029,576
|
59
|
6,023,851
|
50-54
|
58.3
|
9.4
|
78.7
|
38
|
4,865,000
|
7,516
|
701,172,799
|
65
|
6,184,158
|
55-59
|
34.9
|
8.2
|
22.0
|
18
|
1,135,000
|
3,705
|
353,715,409
|
52
|
5,154,675
|
60+
|
62.0
|
14.6
|
80.1
|
18
|
2,170,000
|
1,312
|
120,453,687
|
29
|
2,708,022
|
Total
|
54.3
|
4.3
|
55.1
|
160
|
16,030,750
|
68,046
|
6,766,545,856
|
295
|
29,115,377
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.3
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
53.7
|
1.5
|
56.7
|
1,366
|
113,414,236
|
460,768
|
40,292,459,340
|
2,543
|
200,022,726
|
Total
|
53.7
|
1.5
|
56.7
|
1,366
|
113,414,236
|
460,768
|
40,292,459,340
|
2,543
|
200,022,726
|
By Issue Age
|
20-54
|
54.2
|
1.7
|
57.5
|
1,052
|
93,380,359
|
431,382
|
38,505,252,638
|
1,941
|
162,477,867
|
55-59
|
55.2
|
3.8
|
57.1
|
212
|
14,604,688
|
21,286
|
1,366,293,140
|
385
|
25,560,696
|
60+
|
47.0
|
4.6
|
45.3
|
102
|
5,429,189
|
8,101
|
420,913,561
|
217
|
11,984,163
|
Total
|
53.7
|
1.5
|
56.7
|
1,366
|
113,414,236
|
460,768
|
40,292,459,340
|
2,543
|
200,022,726
|
By Attained Age
|
20-54
|
54.0
|
1.9
|
57.4
|
808
|
73,737,054
|
399,447
|
36,135,935,823
|
1,496
|
128,474,891
|
55-59
|
50.0
|
3.1
|
54.0
|
264
|
20,928,244
|
38,416
|
2,747,189,404
|
529
|
38,774,657
|
60-64
|
62.4
|
4.3
|
62.1
|
212
|
13,792,476
|
16,792
|
1,065,189,960
|
340
|
22,215,787
|
65+
|
45.8
|
5.1
|
46.9
|
82
|
4,956,462
|
6,114
|
344,144,153
|
179
|
10,557,391
|
Total
|
53.7
|
1.5
|
56.7
|
1,366
|
113,414,236
|
460,768
|
40,292,459,340
|
2,543
|
200,022,726
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.4
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-6
|
55.0
|
3.0
|
61.2
|
327
|
25,058,679
|
183,254
|
13,062,075,022
|
594
|
40,936,577
|
7+
|
59.2
|
8.1
|
61.0
|
53
|
3,622,500
|
16,734
|
1,099,016,209
|
90
|
5,935,126
|
Total
|
55.6
|
2.9
|
61.2
|
380
|
28,681,179
|
199,988
|
14,161,091,231
|
684
|
46,871,702
|
By Issue Age
|
20-54
|
57.2
|
3.2
|
63.1
|
324
|
25,355,912
|
193,483
|
13,798,680,183
|
567
|
40,169,292
|
55-59
|
47.7
|
7.4
|
49.8
|
42
|
2,486,367
|
5,217
|
293,599,203
|
87
|
4,990,701
|
60-64
|
49.8
|
13.8
|
52.1
|
13
|
778,900
|
1,164
|
61,395,144
|
26
|
1,494,633
|
65+
|
30.4
|
30.4
|
27.6
|
1
|
60,000
|
124
|
7,416,700
|
3
|
217,077
|
Total
|
55.6
|
2.9
|
61.2
|
380
|
28,681,179
|
199,988
|
14,161,091,231
|
684
|
46,871,702
|
By Attained Age
|
20-59
|
56.0
|
3.0
|
60.8
|
340
|
25,905,612
|
196,291
|
13,965,733,276
|
606
|
42,583,863
|
60-64
|
47.9
|
8.9
|
55.8
|
29
|
1,841,667
|
3,072
|
160,355,797
|
61
|
3,302,317
|
65+
|
66.4
|
20.0
|
94.8
|
11
|
933,900
|
625
|
35,002,158
|
17
|
985,522
|
Total
|
55.6
|
2.9
|
61.2
|
380
|
28,681,179
|
199,988
|
14,161,091,231
|
684
|
46,871,702
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.5
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.2
|
8.3
|
36.6
|
18
|
2,110,000
|
19,600
|
2,189,691,760
|
51
|
5,766,346
|
2
|
42.5
|
9.5
|
33.4
|
20
|
1,754,000
|
15,101
|
1,696,493,650
|
47
|
5,253,672
|
3
|
45.5
|
9.3
|
45.7
|
24
|
2,760,600
|
13,662
|
1,578,897,061
|
53
|
6,035,899
|
4
|
46.9
|
8.6
|
52.4
|
30
|
3,890,000
|
13,288
|
1,584,139,346
|
64
|
7,417,891
|
5
|
44.8
|
8.2
|
30.8
|
30
|
2,255,000
|
11,735
|
1,346,961,074
|
67
|
7,326,925
|
6
|
54.0
|
10.2
|
58.5
|
28
|
2,945,000
|
8,107
|
854,504,209
|
52
|
5,037,731
|
7+
|
56.0
|
10.6
|
70.8
|
28
|
3,226,000
|
7,344
|
727,467,794
|
50
|
4,555,849
|
Total
|
46.4
|
3.5
|
45.8
|
178
|
18,940,600
|
88,838
|
9,978,154,894
|
384
|
41,394,313
|
By Issue Age
|
20-24
|
104.1
|
52.1
|
76.2
|
4
|
285,000
|
5,638
|
548,864,825
|
4
|
374,206
|
25-29
|
52.8
|
21.6
|
52.0
|
6
|
615,000
|
11,932
|
1,233,227,161
|
11
|
1,181,835
|
30-34
|
47.1
|
14.2
|
42.9
|
11
|
1,175,000
|
16,163
|
1,883,101,532
|
23
|
2,738,361
|
35-39
|
31.3
|
8.7
|
21.4
|
13
|
1,080,000
|
17,569
|
2,133,392,998
|
42
|
5,042,903
|
40-44
|
48.8
|
8.2
|
41.4
|
35
|
3,480,000
|
16,894
|
2,003,068,572
|
72
|
8,405,102
|
45-49
|
42.5
|
6.7
|
42.5
|
40
|
4,328,000
|
12,254
|
1,347,900,867
|
94
|
10,194,878
|
50-54
|
48.0
|
7.7
|
48.6
|
39
|
3,877,600
|
6,035
|
599,670,500
|
81
|
7,977,277
|
55-59
|
57.2
|
11.4
|
78.5
|
25
|
3,275,000
|
1,966
|
189,658,755
|
44
|
4,173,327
|
60-64
|
43.2
|
19.3
|
67.2
|
5
|
825,000
|
357
|
37,389,682
|
12
|
1,228,429
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
29
|
1,880,000
|
1
|
77,995
|
Total
|
46.4
|
3.5
|
45.8
|
178
|
18,940,600
|
88,838
|
9,978,154,894
|
384
|
41,394,313
|
By Attained Age
|
20-24
|
50.7
|
50.7
|
52.5
|
1
|
100,000
|
3,189
|
307,890,545
|
2
|
190,509
|
25-29
|
93.4
|
35.3
|
60.1
|
7
|
450,000
|
9,234
|
922,110,838
|
7
|
749,050
|
30-34
|
35.8
|
14.6
|
43.5
|
6
|
825,000
|
14,095
|
1,582,577,725
|
17
|
1,896,132
|
35-39
|
41.0
|
11.8
|
31.7
|
12
|
1,115,000
|
16,241
|
1,942,393,192
|
29
|
3,514,649
|
40-44
|
36.8
|
8.4
|
28.6
|
19
|
1,810,000
|
16,834
|
2,059,828,287
|
52
|
6,319,311
|
45-49
|
50.8
|
8.0
|
44.9
|
40
|
4,083,000
|
14,446
|
1,669,935,572
|
79
|
9,085,658
|
50-54
|
44.3
|
7.0
|
41.2
|
40
|
3,876,600
|
9,318
|
971,296,289
|
91
|
9,400,600
|
55-59
|
42.2
|
8.0
|
51.5
|
28
|
3,281,000
|
3,976
|
382,685,866
|
66
|
6,373,661
|
60-64
|
64.4
|
14.1
|
105.4
|
21
|
3,150,000
|
1,269
|
115,236,001
|
33
|
2,988,859
|
65+
|
46.6
|
23.3
|
28.5
|
4
|
250,000
|
235
|
24,200,580
|
9
|
875,883
|
Total
|
46.4
|
3.5
|
45.8
|
178
|
18,940,600
|
88,838
|
9,978,154,894
|
384
|
41,394,313
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.6
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
11.2
|
11.2
|
22.9
|
1
|
200,000
|
3,619
|
360,738,314
|
9
|
874,901
|
2
|
38.1
|
17.0
|
34.0
|
5
|
445,000
|
4,433
|
461,732,059
|
13
|
1,308,202
|
3
|
13.8
|
9.7
|
14.7
|
2
|
200,000
|
4,312
|
429,228,381
|
15
|
1,357,945
|
4
|
29.6
|
13.2
|
22.2
|
5
|
355,000
|
4,409
|
439,145,571
|
17
|
1,599,944
|
5
|
56.2
|
15.0
|
54.6
|
14
|
1,525,000
|
5,258
|
598,778,536
|
25
|
2,790,589
|
6
|
21.4
|
8.1
|
17.8
|
7
|
700,000
|
5,512
|
676,945,336
|
33
|
3,932,816
|
7+
|
52.5
|
10.3
|
65.0
|
26
|
4,030,000
|
7,164
|
894,548,007
|
50
|
6,196,503
|
Total
|
37.4
|
4.8
|
41.3
|
60
|
7,455,000
|
34,707
|
3,861,116,205
|
161
|
18,060,899
|
By Issue Age
|
20-24
|
69.4
|
69.4
|
75.3
|
1
|
100,000
|
2,048
|
188,968,450
|
1
|
132,844
|
25-29
|
41.5
|
29.3
|
59.9
|
2
|
280,000
|
4,803
|
460,754,178
|
5
|
467,100
|
30-34
|
29.8
|
17.2
|
21.6
|
3
|
250,000
|
6,513
|
737,698,375
|
10
|
1,157,612
|
35-39
|
52.6
|
16.6
|
47.4
|
10
|
1,100,000
|
7,332
|
883,510,369
|
19
|
2,320,026
|
40-44
|
31.8
|
10.0
|
50.8
|
10
|
2,000,000
|
6,562
|
805,323,211
|
31
|
3,938,162
|
45-49
|
38.5
|
10.3
|
44.6
|
14
|
1,770,000
|
4,194
|
442,926,357
|
36
|
3,965,835
|
50-54
|
31.9
|
9.6
|
19.7
|
11
|
755,000
|
2,314
|
248,586,660
|
34
|
3,836,719
|
55+
|
39.3
|
13.1
|
53.5
|
9
|
1,200,000
|
941
|
93,348,606
|
23
|
2,242,601
|
Total
|
37.4
|
4.8
|
41.3
|
60
|
7,455,000
|
34,707
|
3,861,116,205
|
161
|
18,060,899
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
836
|
77,128,645
|
1
|
46,954
|
25-29
|
80.2
|
56.7
|
124.3
|
2
|
280,000
|
3,129
|
282,955,748
|
2
|
225,281
|
30-34
|
33.7
|
23.8
|
32.9
|
2
|
200,000
|
5,126
|
524,001,679
|
6
|
608,621
|
35-39
|
17.6
|
12.5
|
11.1
|
2
|
145,000
|
6,517
|
749,859,957
|
11
|
1,304,001
|
40-44
|
50.0
|
15.8
|
32.5
|
10
|
780,000
|
6,768
|
813,764,091
|
20
|
2,398,304
|
45-49
|
19.9
|
8.1
|
23.1
|
6
|
825,000
|
5,676
|
679,695,383
|
30
|
3,573,034
|
50-54
|
54.0
|
12.1
|
83.1
|
20
|
3,345,000
|
3,901
|
423,776,687
|
37
|
4,026,403
|
55-59
|
24.8
|
8.8
|
15.3
|
8
|
580,000
|
1,965
|
228,951,538
|
32
|
3,778,721
|
60+
|
48.1
|
15.2
|
61.9
|
10
|
1,300,000
|
789
|
80,982,476
|
21
|
2,099,582
|
Total
|
37.4
|
4.8
|
41.3
|
60
|
7,455,000
|
34,707
|
3,861,116,205
|
161
|
18,060,899
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.7
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
55.1
|
2.0
|
55.5
|
747
|
65,421,034
|
227,014
|
21,917,007,969
|
1,355
|
117,927,821
|
Total
|
55.1
|
2.0
|
55.5
|
747
|
65,421,034
|
227,014
|
21,917,007,969
|
1,355
|
117,927,821
|
By Issue Age
|
20-39
|
51.4
|
5.1
|
48.7
|
102
|
10,192,480
|
113,687
|
11,766,925,491
|
199
|
20,938,121
|
40-44
|
58.6
|
5.4
|
63.1
|
117
|
12,757,386
|
43,329
|
4,342,960,364
|
200
|
20,219,256
|
45-49
|
53.7
|
4.4
|
51.9
|
150
|
13,199,032
|
33,801
|
3,020,592,686
|
280
|
25,421,781
|
50-54
|
55.2
|
4.2
|
60.2
|
174
|
15,415,713
|
21,986
|
1,766,045,757
|
316
|
25,624,201
|
55-59
|
60.3
|
5.1
|
57.6
|
140
|
9,905,315
|
10,434
|
771,251,404
|
233
|
17,208,158
|
60+
|
49.0
|
6.2
|
46.4
|
63
|
3,951,108
|
3,776
|
249,232,267
|
129
|
8,516,304
|
Total
|
55.1
|
2.0
|
55.5
|
747
|
65,421,034
|
227,014
|
21,917,007,969
|
1,355
|
117,927,821
|
By Attained Age
|
20-49
|
52.3
|
3.4
|
51.2
|
235
|
23,000,874
|
167,680
|
16,945,684,190
|
450
|
44,898,502
|
50-54
|
50.6
|
4.2
|
54.7
|
142
|
13,500,672
|
29,442
|
2,600,610,042
|
281
|
24,692,207
|
55-59
|
56.7
|
4.3
|
58.3
|
174
|
14,835,315
|
18,658
|
1,550,205,298
|
307
|
25,438,986
|
60+
|
61.6
|
4.4
|
61.5
|
195
|
14,084,173
|
11,235
|
820,508,439
|
317
|
22,898,126
|
Total
|
55.1
|
2.0
|
55.5
|
747
|
65,421,034
|
227,014
|
21,917,007,969
|
1,355
|
117,927,821
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.8
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-5
|
52.6
|
4.4
|
59.5
|
140
|
12,738,362
|
82,114
|
6,610,244,846
|
266
|
21,414,013
|
6+
|
44.7
|
7.4
|
53.7
|
36
|
3,035,167
|
15,978
|
1,114,735,182
|
81
|
5,650,201
|
Total
|
50.8
|
3.8
|
58.3
|
176
|
15,773,529
|
98,093
|
7,724,980,028
|
346
|
27,064,215
|
By Issue Age
|
20-54
|
51.3
|
4.3
|
61.0
|
143
|
13,702,162
|
95,039
|
7,511,177,116
|
279
|
22,454,286
|
55-59
|
52.2
|
10.1
|
45.9
|
26
|
1,566,367
|
2,501
|
173,629,321
|
51
|
3,412,973
|
60+
|
36.9
|
15.1
|
42.2
|
6
|
505,000
|
552
|
40,173,591
|
16
|
1,196,955
|
Total
|
50.8
|
3.8
|
58.3
|
176
|
15,773,529
|
98,093
|
7,724,980,028
|
346
|
27,064,215
|
By Attained Age
|
20-54
|
51.7
|
4.6
|
63.8
|
124
|
12,652,162
|
92,641
|
7,347,742,928
|
241
|
19,823,634
|
55-59
|
44.9
|
8.6
|
32.6
|
28
|
1,414,700
|
3,751
|
268,121,122
|
61
|
4,344,028
|
60+
|
53.9
|
11.0
|
58.9
|
24
|
1,706,667
|
1,701
|
109,115,978
|
45
|
2,896,552
|
Total
|
50.8
|
3.8
|
58.3
|
176
|
15,773,529
|
98,093
|
7,724,980,028
|
346
|
27,064,215
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.9
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.3
|
7.1
|
25.2
|
17
|
1,185,000
|
21,163
|
1,774,992,383
|
58
|
4,700,558
|
2
|
44.1
|
9.4
|
66.8
|
22
|
2,710,000
|
15,667
|
1,339,186,317
|
50
|
4,059,902
|
3
|
49.1
|
9.8
|
46.2
|
25
|
1,981,600
|
13,882
|
1,236,493,465
|
52
|
4,285,328
|
4
|
60.1
|
9.9
|
63.0
|
37
|
3,219,490
|
14,093
|
1,271,727,466
|
62
|
5,113,789
|
5
|
66.4
|
10.0
|
59.8
|
44
|
3,090,000
|
13,302
|
1,128,636,281
|
67
|
5,166,666
|
6
|
74.7
|
12.0
|
63.3
|
39
|
2,395,000
|
9,589
|
762,385,199
|
52
|
3,785,792
|
7+
|
90.5
|
12.8
|
85.5
|
50
|
3,265,000
|
9,339
|
719,634,779
|
55
|
3,819,106
|
Total
|
59.3
|
3.9
|
57.7
|
235
|
17,846,090
|
97,036
|
8,233,055,890
|
395
|
30,931,140
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
6,074
|
524,395,616
|
5
|
428,148
|
25-29
|
58.1
|
18.4
|
74.0
|
10
|
1,115,000
|
13,989
|
1,221,130,524
|
17
|
1,506,516
|
30-34
|
77.8
|
15.3
|
56.5
|
26
|
1,720,000
|
17,547
|
1,588,444,060
|
33
|
3,041,746
|
35-39
|
52.1
|
9.6
|
45.2
|
29
|
2,335,000
|
18,936
|
1,746,698,129
|
56
|
5,160,374
|
40-44
|
63.9
|
8.9
|
67.3
|
52
|
4,685,000
|
17,776
|
1,532,855,240
|
81
|
6,964,034
|
45-49
|
64.0
|
8.4
|
61.2
|
58
|
4,186,490
|
13,179
|
998,656,011
|
91
|
6,842,308
|
50-54
|
61.5
|
9.7
|
69.4
|
40
|
3,085,000
|
6,512
|
450,347,539
|
65
|
4,448,046
|
55-59
|
43.7
|
11.2
|
29.5
|
15
|
599,600
|
2,457
|
144,576,820
|
35
|
2,029,967
|
60+
|
34.8
|
17.4
|
23.5
|
4
|
120,000
|
564
|
25,951,952
|
12
|
510,000
|
Total
|
59.3
|
3.9
|
57.7
|
235
|
17,846,090
|
97,036
|
8,233,055,890
|
395
|
30,931,140
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,281
|
284,153,142
|
2
|
199,144
|
25-29
|
36.6
|
18.3
|
34.6
|
4
|
325,000
|
10,676
|
917,042,218
|
11
|
939,141
|
30-34
|
62.3
|
16.1
|
66.1
|
15
|
1,415,000
|
15,514
|
1,377,203,812
|
24
|
2,139,288
|
35-39
|
67.6
|
12.8
|
52.4
|
28
|
2,020,000
|
17,606
|
1,635,231,177
|
41
|
3,858,572
|
40-44
|
55.4
|
9.3
|
49.5
|
35
|
2,855,000
|
17,637
|
1,605,858,965
|
64
|
5,768,068
|
45-49
|
60.8
|
8.5
|
67.2
|
51
|
4,582,000
|
15,429
|
1,253,635,438
|
84
|
6,819,298
|
50-54
|
64.9
|
8.9
|
50.5
|
53
|
3,044,490
|
10,218
|
754,765,866
|
82
|
6,034,415
|
55-59
|
53.2
|
9.9
|
81.9
|
29
|
2,861,000
|
4,767
|
305,005,143
|
55
|
3,494,730
|
60+
|
58.6
|
13.4
|
44.3
|
19
|
743,600
|
1,908
|
100,160,130
|
33
|
1,678,484
|
Total
|
59.3
|
3.9
|
57.7
|
235
|
17,846,090
|
97,036
|
8,233,055,890
|
395
|
30,931,140
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.10
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.6
|
16.8
|
14.4
|
3
|
120,000
|
3,963
|
335,786,424
|
10
|
830,911
|
2
|
41.7
|
17.0
|
36.2
|
6
|
415,000
|
4,682
|
401,163,110
|
14
|
1,145,856
|
3
|
77.0
|
22.2
|
101.8
|
12
|
1,220,000
|
4,526
|
375,567,606
|
16
|
1,197,915
|
4
|
53.1
|
17.7
|
49.5
|
9
|
645,000
|
4,493
|
378,090,637
|
17
|
1,303,366
|
5
|
80.1
|
19.4
|
81.2
|
17
|
1,410,000
|
4,912
|
432,255,055
|
21
|
1,735,848
|
6
|
83.2
|
19.1
|
95.6
|
19
|
1,860,750
|
4,671
|
420,163,814
|
23
|
1,947,140
|
7+
|
104.4
|
17.9
|
100.4
|
34
|
2,905,000
|
6,092
|
562,403,005
|
33
|
2,893,443
|
Total
|
74.7
|
7.5
|
77.6
|
100
|
8,575,750
|
33,339
|
2,905,429,652
|
134
|
11,054,477
|
By Issue Age
|
20-24
|
56.0
|
56.0
|
84.5
|
1
|
125,000
|
2,091
|
173,261,007
|
2
|
147,947
|
25-29
|
61.5
|
30.7
|
76.8
|
4
|
450,000
|
5,019
|
450,726,225
|
7
|
586,134
|
30-34
|
84.0
|
25.3
|
55.6
|
11
|
720,000
|
6,390
|
622,987,612
|
13
|
1,294,159
|
35-39
|
66.4
|
17.7
|
65.9
|
14
|
1,285,000
|
6,710
|
618,754,262
|
21
|
1,948,982
|
40-44
|
105.3
|
18.9
|
114.0
|
31
|
2,865,750
|
6,084
|
516,283,014
|
29
|
2,512,914
|
45-49
|
66.4
|
14.8
|
71.0
|
20
|
1,645,000
|
4,207
|
324,049,610
|
30
|
2,316,444
|
50-54
|
60.9
|
16.8
|
62.8
|
13
|
990,000
|
2,116
|
153,609,416
|
22
|
1,576,571
|
55-59
|
56.9
|
25.5
|
80.1
|
5
|
470,000
|
632
|
41,318,810
|
9
|
586,954
|
60+
|
58.5
|
58.5
|
29.6
|
1
|
25,000
|
91
|
4,439,697
|
2
|
84,371
|
Total
|
74.7
|
7.5
|
77.6
|
100
|
8,575,750
|
33,339
|
2,905,429,652
|
134
|
11,054,477
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
890
|
73,492,900
|
1
|
50,537
|
25-29
|
58.5
|
41.4
|
60.1
|
2
|
175,000
|
3,366
|
287,135,780
|
3
|
291,071
|
30-34
|
37.9
|
21.9
|
33.3
|
3
|
240,000
|
5,182
|
472,229,566
|
8
|
720,231
|
35-39
|
76.0
|
22.9
|
63.9
|
11
|
880,000
|
6,224
|
594,632,648
|
14
|
1,378,070
|
40-44
|
84.6
|
19.4
|
79.4
|
19
|
1,605,000
|
6,336
|
575,973,374
|
22
|
2,021,601
|
45-49
|
99.1
|
18.4
|
111.4
|
29
|
2,730,750
|
5,462
|
460,334,192
|
29
|
2,450,817
|
50-54
|
63.8
|
15.0
|
70.4
|
18
|
1,520,000
|
3,615
|
277,396,112
|
28
|
2,157,756
|
55-59
|
51.7
|
16.4
|
40.3
|
10
|
555,000
|
1,740
|
124,763,870
|
19
|
1,375,954
|
60+
|
97.4
|
34.4
|
143.0
|
8
|
870,000
|
523
|
39,471,211
|
8
|
608,439
|
Total
|
74.7
|
7.5
|
77.6
|
100
|
8,575,750
|
33,339
|
2,905,429,652
|
134
|
11,054,477
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.11
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
52.1
|
2.1
|
58.5
|
620
|
47,993,202
|
233,754
|
18,375,451,371
|
1,189
|
82,094,905
|
Total
|
52.1
|
2.1
|
58.5
|
620
|
47,993,202
|
233,754
|
18,375,451,371
|
1,189
|
82,094,905
|
By Issue Age
|
20-59
|
52.8
|
2.2
|
59.2
|
580
|
46,515,121
|
229,430
|
18,203,770,076
|
1,100
|
78,627,046
|
60+
|
44.0
|
7.0
|
42.6
|
39
|
1,478,081
|
4,324
|
171,681,294
|
89
|
3,467,859
|
Total
|
52.1
|
2.1
|
58.5
|
620
|
47,993,202
|
233,754
|
18,375,451,371
|
1,189
|
82,094,905
|
By Attained Age
|
20-65+
|
52.1
|
2.1
|
58.5
|
620
|
47,993,202
|
233,754
|
18,375,451,371
|
1,189
|
82,094,905
|
Total
|
52.1
|
2.1
|
58.5
|
620
|
47,993,202
|
233,754
|
18,375,451,371
|
1,189
|
82,094,905
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 8.12
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
60.5
|
4.2
|
65.2
|
204
|
12,907,650
|
101,895
|
6,436,111,203
|
337
|
19,807,488
|
Total
|
60.5
|
4.2
|
65.2
|
204
|
12,907,650
|
101,895
|
6,436,111,203
|
337
|
19,807,488
|
By Issue Age
|
20-64
|
60.5
|
4.2
|
65.1
|
203
|
12,847,650
|
101,814
|
6,432,391,781
|
335
|
19,726,400
|
65+
|
56.5
|
56.5
|
74.0
|
1
|
60,000
|
82
|
3,719,422
|
2
|
81,088
|
Total
|
60.5
|
4.2
|
65.2
|
204
|
12,907,650
|
101,895
|
6,436,111,203
|
337
|
19,807,488
|
By Attained Age
|
20-65+
|
60.5
|
4.2
|
65.2
|
204
|
12,907,650
|
101,895
|
6,436,111,203
|
337
|
19,807,488
|
Total
|
60.5
|
4.2
|
65.2
|
204
|
12,907,650
|
101,895
|
6,436,111,203
|
337
|
19,807,488
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 9.1
TOTAL EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2005
|
51.7
|
2.7
|
56.8
|
379
|
33,409,514
|
175,632
|
14,942,007,240
|
733
|
58,867,640
|
2006
|
50.1
|
2.4
|
53.6
|
454
|
39,379,868
|
208,950
|
17,992,119,002
|
905
|
73,408,982
|
2007
|
56.4
|
2.3
|
62.7
|
607
|
55,079,901
|
239,005
|
20,719,905,965
|
1,076
|
87,864,512
|
2008
|
53.7
|
2.1
|
55.7
|
670
|
57,221,885
|
265,397
|
23,341,820,552
|
1,249
|
102,741,937
|
2009
|
55.1
|
2.0
|
55.2
|
788
|
65,417,457
|
293,975
|
25,956,982,231
|
1,429
|
118,506,096
|
Total
|
53.7
|
1.0
|
56.8
|
2,898
|
250,508,625
|
1,182,960
|
102,952,834,990
|
5,392
|
441,389,166
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 9.2
MALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2005
|
50.6
|
3.7
|
54.1
|
191
|
18,577,893
|
86,190
|
8,219,583,650
|
378
|
34,353,004
|
2006
|
48.8
|
3.2
|
53.5
|
228
|
22,996,510
|
102,559
|
9,902,203,705
|
468
|
43,019,395
|
2007
|
55.4
|
3.2
|
60.6
|
309
|
31,245,783
|
117,144
|
11,380,118,562
|
557
|
51,554,761
|
2008
|
50.3
|
2.8
|
49.4
|
326
|
29,824,928
|
129,707
|
12,827,449,228
|
647
|
60,315,802
|
2009
|
52.8
|
2.7
|
51.9
|
391
|
36,253,193
|
142,884
|
14,237,195,708
|
741
|
69,802,421
|
Total
|
51.8
|
1.4
|
53.6
|
1,446
|
138,898,307
|
578,484
|
56,566,550,853
|
2,791
|
259,045,383
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 9.3
FEMALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2005
|
52.9
|
3.9
|
60.5
|
188
|
14,831,621
|
89,442
|
6,722,423,590
|
355
|
24,514,636
|
2006
|
51.5
|
3.4
|
53.9
|
225
|
16,383,358
|
106,391
|
8,089,915,297
|
437
|
30,389,587
|
2007
|
57.3
|
3.3
|
65.6
|
298
|
23,834,118
|
121,861
|
9,339,787,403
|
519
|
36,309,751
|
2008
|
57.3
|
3.1
|
64.6
|
344
|
27,396,957
|
135,690
|
10,514,371,324
|
601
|
42,426,135
|
2009
|
57.7
|
2.9
|
59.9
|
397
|
29,164,264
|
151,091
|
11,719,786,523
|
688
|
48,703,675
|
Total
|
55.8
|
1.5
|
61.2
|
1,452
|
111,610,318
|
604,475
|
46,386,284,137
|
2,601
|
182,343,782
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.1
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
49.3
|
2.4
|
53.5
|
413
|
25,947,022
|
320,555
|
21,483,262,889
|
837
|
48,527,601
|
5
|
56.2
|
6.0
|
60.8
|
87
|
5,186,527
|
47,694
|
2,999,438,817
|
155
|
8,531,806
|
6
|
62.5
|
7.3
|
58.6
|
73
|
3,731,000
|
32,311
|
1,997,031,022
|
117
|
6,370,743
|
7+
|
58.7
|
6.1
|
67.8
|
93
|
6,043,823
|
34,684
|
2,153,200,898
|
159
|
8,910,036
|
Total
|
52.6
|
2.0
|
56.5
|
666
|
40,908,372
|
435,245
|
28,632,933,626
|
1,267
|
72,340,186
|
By Issue Age
|
20-44
|
54.1
|
2.7
|
55.3
|
405
|
27,375,009
|
376,193
|
25,949,654,432
|
749
|
49,546,017
|
45-49
|
55.0
|
4.5
|
63.1
|
149
|
8,213,913
|
39,093
|
1,888,159,546
|
271
|
13,008,286
|
50+
|
45.3
|
4.3
|
54.4
|
112
|
5,319,450
|
19,958
|
795,119,647
|
246
|
9,785,883
|
Total
|
52.6
|
2.0
|
56.5
|
666
|
40,908,372
|
435,245
|
28,632,933,626
|
1,267
|
72,340,186
|
By Attained Age
|
20-49
|
53.8
|
2.5
|
56.3
|
466
|
31,128,109
|
397,170
|
26,991,479,521
|
866
|
55,293,181
|
50-54
|
50.2
|
4.7
|
52.0
|
114
|
5,359,913
|
26,562
|
1,199,504,009
|
228
|
10,308,085
|
55-59
|
54.1
|
6.7
|
72.1
|
65
|
3,481,750
|
8,914
|
353,687,474
|
121
|
4,831,676
|
60+
|
38.3
|
8.5
|
49.2
|
20
|
938,600
|
2,598
|
88,262,622
|
53
|
1,907,243
|
Total
|
52.6
|
2.0
|
56.5
|
666
|
40,908,372
|
435,245
|
28,632,933,626
|
1,267
|
72,340,186
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.2
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.0
|
5.2
|
31.9
|
38
|
3,878,500
|
24,703
|
2,952,525,894
|
119
|
12,143,725
|
2
|
41.9
|
6.1
|
36.7
|
47
|
4,319,000
|
20,437
|
2,530,622,966
|
113
|
11,772,813
|
3
|
50.6
|
6.7
|
89.2
|
56
|
9,987,344
|
17,926
|
2,179,984,502
|
111
|
11,198,361
|
4
|
60.3
|
7.6
|
70.4
|
63
|
6,830,000
|
15,573
|
1,795,492,100
|
105
|
9,696,059
|
5
|
57.1
|
7.7
|
62.4
|
55
|
5,120,000
|
13,107
|
1,418,579,882
|
96
|
8,198,874
|
6
|
40.5
|
7.3
|
39.8
|
31
|
2,347,491
|
9,147
|
910,840,935
|
77
|
5,893,773
|
7+
|
63.2
|
6.4
|
60.3
|
98
|
6,951,197
|
15,222
|
1,399,532,786
|
155
|
11,534,694
|
Total
|
50.1
|
2.5
|
56.0
|
389
|
39,433,532
|
116,114
|
13,187,579,064
|
776
|
70,438,299
|
By Issue Age
|
20-24
|
171.6
|
76.8
|
116.1
|
5
|
385,000
|
3,803
|
432,889,099
|
3
|
331,623
|
25-29
|
79.3
|
28.0
|
94.0
|
8
|
1,140,000
|
9,073
|
1,094,742,774
|
10
|
1,212,980
|
30-34
|
47.9
|
14.4
|
40.9
|
11
|
1,250,000
|
13,534
|
1,830,821,459
|
23
|
3,056,972
|
35-39
|
56.2
|
11.0
|
77.2
|
26
|
4,925,000
|
17,227
|
2,450,680,869
|
46
|
6,379,075
|
40-44
|
57.7
|
7.8
|
54.3
|
55
|
6,791,854
|
21,244
|
2,905,845,189
|
95
|
12,508,875
|
45-49
|
53.8
|
6.0
|
57.4
|
81
|
9,463,481
|
20,558
|
2,318,152,007
|
151
|
16,480,701
|
50-54
|
46.2
|
4.6
|
43.4
|
102
|
7,238,697
|
18,805
|
1,435,740,143
|
221
|
16,686,031
|
55-59
|
47.7
|
5.5
|
56.3
|
74
|
5,634,500
|
9,012
|
572,106,724
|
156
|
10,000,619
|
60-64
|
39.0
|
8.1
|
74.1
|
23
|
2,435,000
|
2,496
|
131,587,198
|
59
|
3,286,437
|
65+
|
26.5
|
15.3
|
34.3
|
3
|
170,000
|
361
|
15,013,602
|
11
|
494,985
|
Total
|
50.1
|
2.5
|
56.0
|
389
|
39,433,532
|
116,114
|
13,187,579,064
|
776
|
70,438,299
|
By Attained Age
|
20-24
|
72.9
|
72.9
|
65.7
|
1
|
100,000
|
2,055
|
227,697,963
|
1
|
152,255
|
25-29
|
129.9
|
45.9
|
145.9
|
8
|
1,025,000
|
6,615
|
762,863,026
|
6
|
702,682
|
30-34
|
72.0
|
21.7
|
53.1
|
11
|
1,050,000
|
11,160
|
1,463,274,847
|
15
|
1,976,911
|
35-39
|
29.4
|
9.8
|
36.3
|
9
|
1,550,000
|
14,901
|
2,121,791,376
|
31
|
4,275,621
|
40-44
|
60.8
|
9.9
|
74.9
|
38
|
6,756,854
|
18,828
|
2,757,163,372
|
62
|
9,018,409
|
45-49
|
58.5
|
7.3
|
56.7
|
65
|
7,925,990
|
20,371
|
2,576,963,973
|
111
|
13,976,590
|
50-54
|
47.5
|
5.2
|
48.6
|
82
|
7,920,991
|
19,538
|
1,830,369,246
|
173
|
16,312,338
|
55-59
|
41.6
|
4.5
|
43.1
|
84
|
6,230,697
|
14,650
|
1,018,616,433
|
202
|
14,451,838
|
60-64
|
54.5
|
6.6
|
74.2
|
68
|
5,473,000
|
6,238
|
351,476,412
|
125
|
7,375,132
|
65+
|
45.8
|
9.8
|
63.8
|
22
|
1,401,000
|
1,758
|
77,362,417
|
48
|
2,196,522
|
Total
|
50.1
|
2.5
|
56.0
|
389
|
39,433,532
|
116,114
|
13,187,579,064
|
776
|
70,438,299
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.3
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-5
|
49.6
|
3.3
|
50.5
|
222
|
13,870,462
|
173,909
|
12,281,450,347
|
448
|
27,445,443
|
6
|
48.5
|
9.5
|
42.3
|
26
|
1,311,000
|
15,084
|
995,310,354
|
54
|
3,095,776
|
7+
|
56.7
|
8.5
|
69.7
|
44
|
3,275,000
|
16,477
|
1,105,395,513
|
78
|
4,699,907
|
Total
|
50.5
|
3.0
|
52.4
|
292
|
18,456,462
|
205,470
|
14,382,156,214
|
580
|
35,241,126
|
By Issue Age
|
20-49
|
53.0
|
3.4
|
54.6
|
240
|
16,143,612
|
196,798
|
13,988,271,972
|
453
|
29,572,952
|
50-54
|
48.9
|
8.0
|
47.0
|
37
|
1,696,600
|
6,292
|
300,005,352
|
76
|
3,610,535
|
55+
|
29.7
|
7.6
|
29.9
|
15
|
616,250
|
2,380
|
93,878,889
|
51
|
2,057,639
|
Total
|
50.5
|
3.0
|
52.4
|
292
|
18,456,462
|
205,470
|
14,382,156,214
|
580
|
35,241,126
|
By Attained Age
|
20-49
|
52.3
|
3.7
|
53.5
|
196
|
13,701,112
|
188,491
|
13,563,462,605
|
375
|
25,593,351
|
50-54
|
52.8
|
6.8
|
55.4
|
60
|
3,119,100
|
12,092
|
600,658,028
|
114
|
5,626,697
|
55-59
|
43.0
|
8.3
|
41.9
|
27
|
1,191,250
|
3,834
|
175,162,706
|
63
|
2,840,260
|
60+
|
32.6
|
10.9
|
37.7
|
9
|
445,000
|
1,053
|
42,872,875
|
28
|
1,180,818
|
Total
|
50.5
|
3.0
|
52.4
|
292
|
18,456,462
|
205,470
|
14,382,156,214
|
580
|
35,241,126
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.4
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.8
|
6.1
|
26.4
|
15
|
2,001,000
|
12,696
|
1,803,946,247
|
63
|
7,588,150
|
2
|
39.8
|
8.1
|
32.0
|
24
|
2,374,000
|
10,703
|
1,560,170,577
|
61
|
7,429,367
|
3
|
56.4
|
9.7
|
104.8
|
34
|
7,341,854
|
9,335
|
1,328,045,863
|
60
|
7,003,055
|
4
|
64.8
|
10.6
|
70.3
|
37
|
4,240,000
|
8,091
|
1,082,597,176
|
57
|
6,030,174
|
5
|
57.0
|
10.4
|
62.8
|
30
|
3,190,000
|
6,738
|
846,907,230
|
53
|
5,083,457
|
6
|
26.0
|
7.9
|
19.6
|
11
|
715,000
|
4,690
|
540,102,412
|
42
|
3,649,290
|
7+
|
61.5
|
8.3
|
58.9
|
55
|
4,336,500
|
7,961
|
829,687,132
|
89
|
7,366,333
|
Total
|
48.4
|
3.4
|
54.8
|
206
|
24,198,354
|
60,215
|
7,991,456,637
|
426
|
44,149,826
|
By Issue Age
|
20-24
|
156.0
|
110.3
|
128.2
|
2
|
200,000
|
1,836
|
222,655,367
|
1
|
155,955
|
25-29
|
112.8
|
50.5
|
152.4
|
5
|
900,000
|
4,513
|
598,794,537
|
4
|
590,683
|
30-34
|
36.7
|
18.3
|
24.0
|
4
|
400,000
|
7,288
|
1,115,175,741
|
11
|
1,668,705
|
35-39
|
51.1
|
14.7
|
90.2
|
12
|
3,330,000
|
9,607
|
1,547,005,832
|
24
|
3,690,980
|
40-44
|
46.5
|
9.5
|
48.6
|
24
|
3,831,854
|
11,813
|
1,886,092,267
|
52
|
7,884,070
|
45-49
|
46.9
|
7.5
|
44.8
|
39
|
4,631,500
|
10,728
|
1,404,929,856
|
83
|
10,344,958
|
50-54
|
49.1
|
6.3
|
42.5
|
61
|
4,511,500
|
9,095
|
811,785,677
|
125
|
10,621,101
|
55-59
|
49.6
|
7.5
|
62.8
|
44
|
4,143,500
|
4,157
|
320,162,974
|
89
|
6,600,324
|
60-64
|
45.0
|
12.0
|
95.3
|
14
|
2,150,000
|
1,022
|
76,255,350
|
31
|
2,255,940
|
65+
|
16.0
|
16.0
|
29.7
|
1
|
100,000
|
156
|
8,599,035
|
6
|
337,110
|
Total
|
48.4
|
3.4
|
54.8
|
206
|
24,198,354
|
60,215
|
7,991,456,637
|
426
|
44,149,826
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
961
|
115,211,739
|
1
|
72,860
|
25-29
|
191.1
|
85.5
|
256.3
|
5
|
850,000
|
3,194
|
403,850,554
|
3
|
331,580
|
30-34
|
42.8
|
24.7
|
34.0
|
3
|
350,000
|
5,841
|
856,594,257
|
7
|
1,030,644
|
35-39
|
27.3
|
13.7
|
29.2
|
4
|
700,000
|
8,147
|
1,330,172,527
|
15
|
2,397,882
|
40-44
|
70.3
|
14.7
|
96.8
|
23
|
5,321,854
|
10,640
|
1,783,351,733
|
33
|
5,497,561
|
45-49
|
41.1
|
8.2
|
36.4
|
25
|
3,221,500
|
11,178
|
1,635,993,467
|
61
|
8,840,189
|
50-54
|
40.4
|
6.5
|
40.1
|
38
|
4,056,000
|
9,682
|
1,053,702,765
|
94
|
10,121,806
|
55-59
|
48.8
|
6.5
|
46.1
|
56
|
4,325,000
|
6,974
|
570,604,048
|
115
|
9,383,825
|
60-64
|
51.1
|
8.4
|
81.8
|
37
|
4,153,000
|
2,875
|
202,234,366
|
72
|
5,074,444
|
65+
|
58.3
|
15.1
|
87.3
|
15
|
1,221,000
|
723
|
39,741,181
|
26
|
1,399,034
|
Total
|
48.4
|
3.4
|
54.8
|
206
|
24,198,354
|
60,215
|
7,991,456,637
|
426
|
44,149,826
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.5
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
49.8
|
3.3
|
56.7
|
228
|
14,271,560
|
168,973
|
10,691,228,786
|
459
|
25,155,678
|
5
|
58.0
|
8.3
|
67.1
|
49
|
2,991,527
|
25,367
|
1,510,022,573
|
85
|
4,458,286
|
6
|
74.5
|
10.9
|
73.9
|
47
|
2,420,000
|
17,227
|
1,001,720,668
|
63
|
3,274,967
|
7+
|
60.6
|
8.7
|
65.8
|
49
|
2,768,823
|
18,207
|
1,047,805,385
|
81
|
4,210,128
|
Total
|
54.3
|
2.8
|
60.5
|
374
|
22,451,910
|
229,774
|
14,250,777,412
|
688
|
37,099,060
|
By Issue Age
|
20-44
|
55.8
|
3.6
|
58.4
|
239
|
15,670,397
|
197,437
|
12,914,127,112
|
429
|
26,842,649
|
45-49
|
53.9
|
6.2
|
61.5
|
75
|
3,774,913
|
21,051
|
935,414,894
|
139
|
6,138,701
|
50+
|
49.6
|
6.4
|
73.0
|
59
|
3,006,600
|
11,286
|
401,235,406
|
120
|
4,117,709
|
Total
|
54.3
|
2.8
|
60.5
|
374
|
22,451,910
|
229,774
|
14,250,777,412
|
688
|
37,099,060
|
By Attained Age
|
20-49
|
55.0
|
3.3
|
58.7
|
270
|
17,426,997
|
208,679
|
13,428,016,917
|
492
|
29,699,830
|
50-54
|
47.6
|
6.5
|
47.9
|
54
|
2,240,813
|
14,469
|
598,845,981
|
114
|
4,681,388
|
55+
|
59.7
|
8.5
|
102.4
|
49
|
2,784,100
|
6,626
|
223,914,515
|
82
|
2,717,842
|
Total
|
54.3
|
2.8
|
60.5
|
374
|
22,451,910
|
229,774
|
14,250,777,412
|
688
|
37,099,060
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.6
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
41.3
|
8.6
|
41.2
|
23
|
1,877,500
|
12,007
|
1,148,579,647
|
56
|
4,555,575
|
2
|
44.5
|
9.3
|
44.8
|
23
|
1,945,000
|
9,733
|
970,452,389
|
52
|
4,343,446
|
3
|
43.7
|
9.2
|
63.1
|
22
|
2,645,490
|
8,590
|
851,938,639
|
51
|
4,195,306
|
4
|
54.8
|
10.8
|
70.7
|
26
|
2,590,000
|
7,483
|
712,894,924
|
47
|
3,665,885
|
5
|
57.3
|
11.5
|
61.9
|
25
|
1,930,000
|
6,368
|
571,672,652
|
44
|
3,115,417
|
6
|
58.2
|
13.0
|
72.7
|
20
|
1,632,491
|
4,458
|
370,738,522
|
34
|
2,244,483
|
7+
|
65.4
|
10.0
|
62.7
|
43
|
2,614,697
|
7,261
|
569,845,654
|
66
|
4,168,361
|
Total
|
52.1
|
3.9
|
58.0
|
182
|
15,235,178
|
55,899
|
5,196,122,427
|
350
|
26,288,473
|
By Issue Age
|
20-24
|
184.0
|
106.2
|
105.3
|
3
|
185,000
|
1,968
|
210,233,732
|
2
|
175,668
|
25-29
|
53.0
|
30.6
|
38.6
|
3
|
240,000
|
4,560
|
495,948,237
|
6
|
622,297
|
30-34
|
58.1
|
21.9
|
61.2
|
7
|
850,000
|
6,246
|
715,645,717
|
12
|
1,388,268
|
35-39
|
61.4
|
16.4
|
59.3
|
14
|
1,595,000
|
7,620
|
903,675,037
|
23
|
2,688,096
|
40-44
|
70.9
|
12.7
|
64.0
|
31
|
2,960,000
|
9,431
|
1,019,752,922
|
44
|
4,624,806
|
45-49
|
62.3
|
9.6
|
78.8
|
42
|
4,831,981
|
9,830
|
913,222,151
|
68
|
6,135,742
|
50-54
|
42.5
|
6.6
|
45.0
|
41
|
2,727,197
|
9,710
|
623,954,466
|
97
|
6,064,930
|
55-59
|
45.1
|
8.2
|
43.8
|
30
|
1,491,000
|
4,855
|
251,943,750
|
67
|
3,400,295
|
60-64
|
32.3
|
10.8
|
27.7
|
9
|
285,000
|
1,475
|
55,331,848
|
28
|
1,030,497
|
65+
|
39.5
|
27.9
|
44.3
|
2
|
70,000
|
205
|
6,414,566
|
5
|
157,874
|
Total
|
52.1
|
3.9
|
58.0
|
182
|
15,235,178
|
55,899
|
5,196,122,427
|
350
|
26,288,473
|
By Attained Age
|
20-24
|
129.9
|
129.9
|
126.0
|
1
|
100,000
|
1,094
|
112,486,224
|
1
|
79,395
|
25-29
|
84.7
|
48.9
|
47.2
|
3
|
175,000
|
3,421
|
359,012,472
|
4
|
371,102
|
30-34
|
96.6
|
34.2
|
74.0
|
8
|
700,000
|
5,319
|
606,680,590
|
8
|
946,267
|
35-39
|
31.3
|
14.0
|
45.3
|
5
|
850,000
|
6,754
|
791,618,849
|
16
|
1,877,739
|
40-44
|
50.4
|
13.0
|
40.8
|
15
|
1,435,000
|
8,188
|
973,811,638
|
30
|
3,520,848
|
45-49
|
79.5
|
12.6
|
91.6
|
40
|
4,704,490
|
9,192
|
940,970,505
|
50
|
5,136,401
|
50-54
|
55.9
|
8.4
|
62.4
|
44
|
3,864,991
|
9,856
|
776,666,481
|
79
|
6,190,532
|
55-59
|
32.2
|
6.1
|
37.6
|
28
|
1,905,697
|
7,677
|
448,012,385
|
87
|
5,068,013
|
60-64
|
59.0
|
10.6
|
57.4
|
31
|
1,320,000
|
3,363
|
149,242,046
|
53
|
2,300,688
|
65+
|
31.4
|
11.9
|
22.6
|
7
|
180,000
|
1,035
|
37,621,236
|
22
|
797,488
|
Total
|
52.1
|
3.9
|
58.0
|
182
|
15,235,178
|
55,899
|
5,196,122,427
|
350
|
26,288,473
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.7
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
72.3
|
8.3
|
81.0
|
76
|
3,812,870
|
46,814
|
2,528,560,577
|
106
|
4,707,004
|
5
|
63.1
|
19.0
|
107.7
|
11
|
785,000
|
6,282
|
309,837,721
|
17
|
728,790
|
6
|
94.5
|
27.3
|
67.1
|
12
|
360,000
|
4,089
|
195,957,448
|
13
|
536,596
|
7+
|
64.4
|
19.4
|
66.5
|
11
|
480,000
|
4,287
|
201,037,278
|
17
|
721,860
|
Total
|
72.2
|
6.9
|
81.2
|
110
|
5,437,870
|
61,471
|
3,235,393,024
|
153
|
6,694,250
|
By Issue Age
|
20-44
|
75.8
|
8.7
|
76.7
|
75
|
3,874,870
|
54,874
|
3,030,321,689
|
99
|
5,053,803
|
45-49
|
74.9
|
15.2
|
123.8
|
24
|
1,293,000
|
4,734
|
154,397,538
|
32
|
1,044,685
|
50+
|
51.6
|
15.5
|
45.3
|
11
|
270,000
|
1,863
|
50,673,798
|
22
|
595,761
|
Total
|
72.2
|
6.9
|
81.2
|
110
|
5,437,870
|
61,471
|
3,235,393,024
|
153
|
6,694,250
|
By Attained Age
|
20-49
|
77.3
|
8.2
|
85.9
|
88
|
4,757,870
|
57,574
|
3,119,181,844
|
114
|
5,537,912
|
50-54
|
49.9
|
13.8
|
60.8
|
13
|
485,000
|
3,046
|
93,043,278
|
26
|
798,110
|
55-59
|
77.1
|
29.0
|
62.2
|
7
|
160,000
|
678
|
18,375,708
|
9
|
257,077
|
60-64
|
63.3
|
44.8
|
37.8
|
2
|
35,000
|
160
|
4,432,057
|
3
|
92,646
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13
|
360,137
|
0
|
8,505
|
Total
|
72.2
|
6.9
|
81.2
|
110
|
5,437,870
|
61,471
|
3,235,393,024
|
153
|
6,694,250
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.8
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
53.3
|
26.3
|
142.0
|
4
|
866,000
|
1,874
|
179,678,218
|
8
|
609,821
|
2
|
69.2
|
31.0
|
55.9
|
5
|
325,000
|
1,510
|
148,533,844
|
7
|
581,056
|
3
|
81.2
|
33.1
|
74.7
|
6
|
410,000
|
1,311
|
123,817,245
|
7
|
549,204
|
4
|
58.8
|
29.4
|
36.1
|
4
|
170,000
|
1,114
|
102,076,352
|
7
|
470,964
|
5
|
127.6
|
45.1
|
164.4
|
8
|
640,000
|
911
|
78,282,984
|
6
|
389,328
|
6
|
87.4
|
43.7
|
81.0
|
4
|
210,000
|
617
|
48,976,391
|
5
|
259,149
|
7+
|
79.2
|
32.3
|
52.5
|
6
|
220,000
|
889
|
69,020,255
|
8
|
419,075
|
Total
|
78.0
|
12.8
|
86.7
|
37
|
2,841,000
|
8,227
|
750,385,289
|
48
|
3,278,597
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
440
|
44,253,270
|
0
|
34,282
|
25-29
|
223.4
|
157.9
|
143.4
|
2
|
140,000
|
833
|
91,879,248
|
1
|
97,619
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,095
|
117,559,049
|
2
|
187,045
|
35-39
|
60.9
|
43.1
|
58.4
|
2
|
200,000
|
1,261
|
132,423,048
|
3
|
342,692
|
40-44
|
76.5
|
34.2
|
99.5
|
5
|
675,000
|
1,478
|
161,282,909
|
7
|
678,201
|
45-49
|
100.4
|
33.5
|
133.3
|
9
|
1,100,000
|
1,267
|
119,428,635
|
9
|
825,504
|
50-54
|
51.4
|
19.3
|
43.2
|
7
|
271,000
|
1,206
|
56,832,473
|
14
|
627,954
|
55-59
|
95.0
|
33.6
|
88.5
|
8
|
330,000
|
501
|
22,294,604
|
8
|
372,697
|
60+
|
112.7
|
56.3
|
111.0
|
4
|
125,000
|
144
|
4,432,052
|
4
|
112,603
|
Total
|
78.0
|
12.8
|
86.7
|
37
|
2,841,000
|
8,227
|
750,385,289
|
48
|
3,278,597
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
231
|
21,267,634
|
0
|
14,127
|
25-29
|
163.0
|
163.0
|
135.8
|
1
|
90,000
|
682
|
75,270,650
|
1
|
66,251
|
30-34
|
78.9
|
78.9
|
36.9
|
1
|
50,000
|
959
|
102,518,183
|
1
|
135,380
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,117
|
118,979,659
|
2
|
233,241
|
40-44
|
90.8
|
45.4
|
101.1
|
4
|
500,000
|
1,353
|
152,818,853
|
4
|
494,554
|
45-49
|
119.2
|
39.7
|
165.9
|
9
|
1,300,000
|
1,391
|
145,706,309
|
8
|
783,713
|
50-54
|
36.2
|
17.9
|
25.0
|
4
|
186,000
|
1,262
|
83,625,091
|
11
|
743,747
|
55-59
|
68.3
|
24.1
|
77.4
|
8
|
410,000
|
845
|
37,520,006
|
12
|
530,016
|
60-64
|
136.8
|
48.4
|
106.7
|
8
|
220,000
|
299
|
10,325,353
|
6
|
206,259
|
65+
|
81.8
|
57.8
|
119.2
|
2
|
85,000
|
88
|
2,353,551
|
2
|
71,310
|
Total
|
78.0
|
12.8
|
86.7
|
37
|
2,841,000
|
8,227
|
750,385,289
|
48
|
3,278,597
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.9
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-5
|
89.1
|
12.0
|
99.1
|
55
|
2,976,000
|
29,311
|
1,698,801,589
|
62
|
3,002,031
|
6
|
62.9
|
31.4
|
41.5
|
4
|
125,000
|
2,158
|
115,024,746
|
6
|
301,096
|
7+
|
76.3
|
28.8
|
82.4
|
7
|
360,000
|
2,274
|
119,928,598
|
9
|
436,757
|
Total
|
85.4
|
10.5
|
92.5
|
66
|
3,461,000
|
33,743
|
1,933,754,934
|
78
|
3,739,883
|
By Issue Age
|
20-49
|
89.4
|
11.6
|
97.5
|
59
|
3,296,000
|
32,890
|
1,907,008,563
|
66
|
3,379,466
|
50+
|
62.3
|
23.4
|
45.8
|
7
|
165,000
|
853
|
26,746,371
|
11
|
360,417
|
Total
|
85.4
|
10.5
|
92.5
|
66
|
3,461,000
|
33,743
|
1,933,754,934
|
78
|
3,739,883
|
By Attained Age
|
20-54
|
86.7
|
11.1
|
95.7
|
61
|
3,356,000
|
33,351
|
1,920,824,279
|
70
|
3,505,626
|
55-59
|
79.8
|
39.4
|
47.9
|
4
|
80,000
|
316
|
10,246,124
|
5
|
166,907
|
60+
|
52.6
|
52.6
|
37.1
|
1
|
25,000
|
76
|
2,684,530
|
2
|
67,350
|
Total
|
85.4
|
10.5
|
92.5
|
66
|
3,461,000
|
33,743
|
1,933,754,934
|
78
|
3,739,883
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.10
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
46.7
|
32.2
|
190.1
|
2
|
751,000
|
1,134
|
121,292,540
|
4
|
394,996
|
2
|
45.4
|
32.1
|
40.1
|
2
|
150,000
|
933
|
99,223,359
|
4
|
374,459
|
3
|
137.9
|
56.3
|
116.5
|
6
|
410,000
|
782
|
80,930,804
|
4
|
352,070
|
4
|
24.9
|
24.9
|
15.9
|
1
|
50,000
|
676
|
68,796,614
|
4
|
315,406
|
5
|
159.4
|
65.1
|
219.1
|
6
|
575,000
|
552
|
52,658,284
|
4
|
262,416
|
6
|
38.8
|
38.8
|
30.1
|
1
|
50,000
|
350
|
31,505,790
|
3
|
166,358
|
7+
|
68.2
|
39.3
|
44.9
|
3
|
125,000
|
508
|
45,444,027
|
4
|
278,509
|
Total
|
75.3
|
16.4
|
98.5
|
21
|
2,111,000
|
4,936
|
499,851,418
|
28
|
2,144,215
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
239
|
25,404,414
|
0
|
17,871
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
492
|
58,238,314
|
0
|
56,848
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
733
|
85,279,937
|
1
|
124,871
|
35-39
|
100.6
|
71.1
|
89.3
|
2
|
200,000
|
826
|
92,433,421
|
2
|
223,866
|
40-44
|
47.9
|
33.8
|
95.8
|
2
|
450,000
|
977
|
115,331,919
|
4
|
469,918
|
45-49
|
106.5
|
43.5
|
160.9
|
6
|
900,000
|
769
|
78,122,663
|
6
|
559,241
|
50-54
|
62.9
|
27.9
|
60.9
|
5
|
236,000
|
626
|
31,072,997
|
8
|
387,790
|
55-59
|
111.1
|
49.7
|
130.0
|
5
|
300,000
|
217
|
11,638,431
|
5
|
230,685
|
60+
|
53.0
|
53.0
|
34.2
|
1
|
25,000
|
57
|
2,329,322
|
2
|
73,125
|
Total
|
75.3
|
16.4
|
98.5
|
21
|
2,111,000
|
4,936
|
499,851,418
|
28
|
2,144,215
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
120
|
11,567,308
|
0
|
7,179
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
389
|
46,938,525
|
0
|
37,837
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
613
|
70,957,429
|
1
|
86,623
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
736
|
84,202,279
|
1
|
150,243
|
40-44
|
106.6
|
61.5
|
134.8
|
3
|
450,000
|
916
|
108,413,962
|
3
|
333,803
|
45-49
|
103.5
|
46.3
|
180.9
|
5
|
975,000
|
894
|
100,812,984
|
5
|
538,876
|
50-54
|
45.4
|
25.8
|
28.8
|
3
|
136,000
|
703
|
49,361,832
|
7
|
472,009
|
55-59
|
90.2
|
36.8
|
109.5
|
6
|
375,000
|
404
|
21,079,145
|
7
|
342,454
|
60-64
|
98.1
|
56.7
|
120.1
|
3
|
150,000
|
123
|
5,162,020
|
3
|
124,906
|
65+
|
71.2
|
71.2
|
49.7
|
1
|
25,000
|
38
|
1,355,935
|
1
|
50,286
|
Total
|
75.3
|
16.4
|
98.5
|
21
|
2,111,000
|
4,936
|
499,851,418
|
28
|
2,144,215
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.11
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
37.5
|
11.3
|
44.5
|
11
|
535,000
|
12,303
|
611,396,143
|
29
|
1,202,067
|
3
|
49.6
|
20.1
|
68.9
|
6
|
334,000
|
4,754
|
225,315,558
|
12
|
484,464
|
4
|
85.7
|
28.6
|
80.4
|
9
|
327,870
|
3,808
|
174,476,493
|
11
|
407,876
|
5
|
67.5
|
27.5
|
125.2
|
6
|
425,000
|
2,920
|
128,408,514
|
9
|
339,356
|
6
|
126.2
|
44.6
|
99.8
|
8
|
235,000
|
1,931
|
80,932,702
|
6
|
235,500
|
7+
|
50.6
|
25.3
|
42.1
|
4
|
120,000
|
2,012
|
81,108,680
|
8
|
285,104
|
Total
|
58.6
|
8.8
|
66.9
|
44
|
1,976,870
|
27,728
|
1,301,638,090
|
75
|
2,954,366
|
By Issue Age
|
20-44
|
62.1
|
11.2
|
60.0
|
31
|
1,374,870
|
24,361
|
1,210,913,267
|
50
|
2,292,390
|
45-49
|
59.6
|
19.7
|
116.5
|
9
|
497,000
|
2,357
|
66,797,396
|
15
|
426,632
|
50+
|
39.5
|
19.8
|
44.6
|
4
|
105,000
|
1,010
|
23,927,427
|
10
|
235,345
|
Total
|
58.6
|
8.8
|
66.9
|
44
|
1,976,870
|
27,728
|
1,301,638,090
|
75
|
2,954,366
|
By Attained Age
|
20-44
|
65.4
|
12.6
|
58.7
|
27
|
1,169,870
|
22,717
|
1,153,318,733
|
41
|
1,992,189
|
45-49
|
56.1
|
18.6
|
127.7
|
9
|
652,000
|
2,996
|
95,844,955
|
16
|
510,727
|
50-54
|
32.8
|
16.4
|
19.8
|
4
|
65,000
|
1,556
|
42,237,154
|
12
|
327,481
|
55-59
|
73.8
|
42.6
|
88.7
|
3
|
80,000
|
362
|
8,129,584
|
4
|
90,169
|
60+
|
64.6
|
64.6
|
29.6
|
1
|
10,000
|
97
|
2,107,664
|
2
|
33,801
|
Total
|
58.6
|
8.8
|
66.9
|
44
|
1,976,870
|
27,728
|
1,301,638,090
|
75
|
2,954,366
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.12
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
62.6
|
44.2
|
53.5
|
2
|
115,000
|
740
|
58,385,677
|
3
|
214,825
|
2
|
106.4
|
61.4
|
84.7
|
3
|
175,000
|
577
|
49,310,485
|
3
|
206,596
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
529
|
42,886,441
|
3
|
197,134
|
4
|
107.9
|
62.3
|
77.1
|
3
|
120,000
|
438
|
33,279,737
|
3
|
155,559
|
5
|
79.8
|
56.4
|
51.2
|
2
|
65,000
|
359
|
25,624,700
|
3
|
126,912
|
6
|
150.2
|
86.7
|
172.4
|
3
|
160,000
|
267
|
17,470,601
|
2
|
92,791
|
7+
|
94.4
|
54.5
|
67.6
|
3
|
95,000
|
381
|
23,576,229
|
3
|
140,566
|
Total
|
82.0
|
20.5
|
64.4
|
16
|
730,000
|
3,291
|
250,533,871
|
20
|
1,134,382
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
201
|
18,848,856
|
0
|
16,411
|
25-29
|
485.3
|
343.2
|
343.4
|
2
|
140,000
|
341
|
33,640,934
|
0
|
40,772
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
362
|
32,279,112
|
1
|
62,173
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
435
|
39,989,627
|
1
|
118,826
|
40-44
|
127.2
|
73.4
|
108.0
|
3
|
225,000
|
501
|
45,950,991
|
2
|
208,282
|
45-49
|
90.2
|
52.1
|
75.1
|
3
|
200,000
|
498
|
41,305,972
|
3
|
266,263
|
50-54
|
35.1
|
24.8
|
14.6
|
2
|
35,000
|
581
|
25,759,477
|
6
|
240,164
|
55-59
|
76.5
|
44.2
|
21.1
|
3
|
30,000
|
284
|
10,656,173
|
4
|
142,012
|
60+
|
180.4
|
104.2
|
253.3
|
3
|
100,000
|
88
|
2,102,730
|
2
|
39,478
|
Total
|
82.0
|
20.5
|
64.4
|
16
|
730,000
|
3,291
|
250,533,871
|
20
|
1,134,382
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
112
|
9,700,326
|
0
|
6,948
|
25-29
|
336.5
|
336.5
|
316.7
|
1
|
90,000
|
292
|
28,332,125
|
0
|
28,414
|
30-34
|
188.9
|
188.9
|
102.6
|
1
|
50,000
|
345
|
31,560,754
|
1
|
48,756
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
381
|
34,777,380
|
1
|
82,998
|
40-44
|
62.9
|
62.9
|
31.1
|
1
|
50,000
|
437
|
44,404,891
|
2
|
160,750
|
45-49
|
146.9
|
73.5
|
132.7
|
4
|
325,000
|
497
|
44,893,325
|
3
|
244,837
|
50-54
|
22.2
|
22.2
|
18.4
|
1
|
50,000
|
559
|
34,263,259
|
4
|
271,738
|
55-59
|
39.5
|
27.9
|
18.7
|
2
|
35,000
|
440
|
16,440,861
|
5
|
187,562
|
60-64
|
179.3
|
80.2
|
86.0
|
5
|
70,000
|
176
|
5,163,333
|
3
|
81,353
|
65+
|
96.0
|
96.0
|
285.4
|
1
|
60,000
|
51
|
997,617
|
1
|
21,024
|
Total
|
82.0
|
20.5
|
64.4
|
16
|
730,000
|
3,291
|
250,533,871
|
20
|
1,134,382
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.13
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
46.0
|
2.5
|
50.5
|
337
|
22,134,152
|
273,741
|
18,954,702,313
|
731
|
43,820,597
|
5
|
55.3
|
6.3
|
56.4
|
76
|
4,401,527
|
41,412
|
2,689,601,096
|
138
|
7,803,016
|
6
|
58.6
|
7.5
|
57.8
|
61
|
3,371,000
|
28,222
|
1,801,073,574
|
104
|
5,834,147
|
7+
|
58.0
|
6.4
|
67.9
|
82
|
5,563,823
|
30,398
|
1,952,163,619
|
141
|
8,188,175
|
Total
|
49.9
|
2.1
|
54.0
|
556
|
35,470,502
|
373,774
|
25,397,540,602
|
1,115
|
65,645,936
|
By Issue Age
|
20-44
|
50.8
|
2.8
|
52.8
|
330
|
23,500,139
|
321,319
|
22,919,332,743
|
650
|
44,492,214
|
45-49
|
52.3
|
4.7
|
57.8
|
125
|
6,920,913
|
34,359
|
1,733,762,009
|
239
|
11,963,600
|
50+
|
44.7
|
4.5
|
54.9
|
100
|
5,049,450
|
18,096
|
744,445,850
|
225
|
9,190,122
|
Total
|
49.9
|
2.1
|
54.0
|
556
|
35,470,502
|
373,774
|
25,397,540,602
|
1,115
|
65,645,936
|
By Attained Age
|
20-49
|
50.3
|
2.6
|
53.0
|
378
|
26,370,239
|
339,597
|
23,872,297,677
|
752
|
49,755,269
|
50-54
|
50.2
|
5.0
|
51.3
|
101
|
4,874,913
|
23,516
|
1,106,460,731
|
202
|
9,509,976
|
55-59
|
52.2
|
6.8
|
72.6
|
58
|
3,321,750
|
8,236
|
335,311,765
|
111
|
4,574,599
|
60+
|
36.9
|
8.7
|
50.0
|
18
|
903,600
|
2,426
|
83,470,428
|
49
|
1,806,093
|
Total
|
49.9
|
2.1
|
54.0
|
556
|
35,470,502
|
373,774
|
25,397,540,602
|
1,115
|
65,645,936
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.14
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.5
|
5.2
|
26.1
|
34
|
3,012,500
|
22,829
|
2,772,847,676
|
112
|
11,533,904
|
2
|
40.1
|
6.2
|
35.7
|
42
|
3,994,000
|
18,927
|
2,382,089,121
|
105
|
11,191,757
|
3
|
48.4
|
6.8
|
89.9
|
50
|
9,577,344
|
16,614
|
2,056,167,257
|
104
|
10,649,157
|
4
|
60.4
|
7.9
|
72.2
|
59
|
6,660,000
|
14,459
|
1,693,415,748
|
98
|
9,225,095
|
5
|
52.2
|
7.6
|
57.4
|
47
|
4,480,000
|
12,196
|
1,340,296,898
|
90
|
7,809,545
|
6
|
37.5
|
7.2
|
37.9
|
27
|
2,137,491
|
8,530
|
861,864,543
|
72
|
5,634,625
|
7+
|
62.4
|
6.5
|
60.6
|
92
|
6,731,197
|
14,333
|
1,330,512,531
|
148
|
11,115,619
|
Total
|
48.3
|
2.6
|
54.5
|
352
|
36,592,532
|
107,888
|
12,437,193,775
|
728
|
67,159,702
|
By Issue Age
|
20-24
|
194.0
|
86.8
|
129.5
|
5
|
385,000
|
3,363
|
388,635,829
|
3
|
297,342
|
25-29
|
65.2
|
26.6
|
89.7
|
6
|
1,000,000
|
8,240
|
1,002,863,526
|
9
|
1,115,361
|
30-34
|
51.8
|
15.6
|
43.6
|
11
|
1,250,000
|
12,439
|
1,713,262,410
|
21
|
2,869,928
|
35-39
|
55.8
|
11.4
|
78.3
|
24
|
4,725,000
|
15,966
|
2,318,257,821
|
43
|
6,036,383
|
40-44
|
56.3
|
8.0
|
51.7
|
50
|
6,116,854
|
19,766
|
2,744,562,280
|
89
|
11,830,674
|
45-49
|
50.9
|
6.0
|
53.4
|
72
|
8,363,481
|
19,291
|
2,198,723,372
|
142
|
15,655,197
|
50-54
|
45.8
|
4.7
|
43.4
|
95
|
6,967,697
|
17,598
|
1,378,907,669
|
207
|
16,058,077
|
55-59
|
45.0
|
5.5
|
55.1
|
66
|
5,304,500
|
8,511
|
549,812,120
|
147
|
9,627,922
|
60-64
|
35.7
|
8.0
|
74.2
|
20
|
2,370,000
|
2,368
|
127,673,059
|
56
|
3,193,024
|
65+
|
18.7
|
13.2
|
23.1
|
2
|
110,000
|
345
|
14,495,689
|
11
|
475,795
|
Total
|
48.3
|
2.6
|
54.5
|
352
|
36,592,532
|
107,888
|
12,437,193,775
|
728
|
67,159,702
|
By Attained Age
|
20-24
|
81.8
|
81.8
|
72.4
|
1
|
100,000
|
1,824
|
206,430,329
|
1
|
138,128
|
25-29
|
126.3
|
47.7
|
146.9
|
7
|
935,000
|
5,933
|
687,592,376
|
6
|
636,431
|
30-34
|
71.4
|
22.6
|
54.3
|
10
|
1,000,000
|
10,202
|
1,360,756,664
|
14
|
1,841,532
|
35-39
|
31.7
|
10.6
|
38.3
|
9
|
1,550,000
|
13,784
|
2,002,811,717
|
28
|
4,042,380
|
40-44
|
58.5
|
10.0
|
73.4
|
34
|
6,256,854
|
17,476
|
2,604,344,519
|
58
|
8,523,855
|
45-49
|
54.1
|
7.2
|
50.2
|
56
|
6,625,990
|
18,979
|
2,431,257,664
|
104
|
13,192,877
|
50-54
|
48.3
|
5.5
|
49.7
|
78
|
7,734,991
|
18,276
|
1,746,744,156
|
162
|
15,568,591
|
55-59
|
40.0
|
4.6
|
41.8
|
76
|
5,820,697
|
13,806
|
981,096,427
|
191
|
13,921,822
|
60-64
|
50.4
|
6.5
|
73.3
|
60
|
5,253,000
|
5,939
|
341,151,059
|
119
|
7,168,874
|
65+
|
43.9
|
9.8
|
61.9
|
20
|
1,316,000
|
1,670
|
75,008,865
|
46
|
2,125,212
|
Total
|
48.3
|
2.6
|
54.5
|
352
|
36,592,532
|
107,888
|
12,437,193,775
|
728
|
67,159,702
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.15
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
41.4
|
3.6
|
43.6
|
134
|
9,059,462
|
125,633
|
9,274,661,720
|
324
|
20,759,326
|
5
|
53.3
|
9.3
|
49.8
|
33
|
1,835,000
|
18,966
|
1,307,987,037
|
62
|
3,684,086
|
6
|
46.5
|
9.9
|
42.4
|
22
|
1,186,000
|
12,926
|
880,285,608
|
47
|
2,794,681
|
7+
|
54.0
|
8.9
|
68.4
|
37
|
2,915,000
|
14,203
|
985,466,914
|
68
|
4,263,151
|
Total
|
45.1
|
3.0
|
47.6
|
226
|
14,995,462
|
171,727
|
12,448,401,280
|
502
|
31,501,243
|
By Issue Age
|
20-44
|
44.9
|
4.1
|
46.2
|
122
|
9,204,612
|
148,243
|
11,216,118,898
|
272
|
19,941,955
|
45-49
|
51.3
|
6.7
|
58.3
|
59
|
3,643,000
|
15,665
|
865,144,511
|
115
|
6,251,531
|
50-54
|
48.8
|
8.5
|
47.0
|
33
|
1,586,600
|
5,607
|
278,968,841
|
68
|
3,373,115
|
55-59
|
22.7
|
7.6
|
23.8
|
9
|
351,250
|
1,961
|
74,941,338
|
40
|
1,478,672
|
60+
|
38.7
|
22.3
|
46.1
|
3
|
210,000
|
252
|
13,227,692
|
8
|
455,970
|
Total
|
45.1
|
3.0
|
47.6
|
226
|
14,995,462
|
171,727
|
12,448,401,280
|
502
|
31,501,243
|
By Attained Age
|
20-49
|
45.3
|
3.8
|
47.7
|
144
|
10,765,112
|
156,630
|
11,693,444,449
|
318
|
22,558,354
|
50-54
|
51.1
|
7.1
|
52.3
|
51
|
2,699,100
|
10,602
|
549,851,904
|
100
|
5,156,068
|
55-59
|
39.7
|
8.3
|
41.6
|
23
|
1,111,250
|
3,517
|
164,916,581
|
58
|
2,673,353
|
60-64
|
23.1
|
10.3
|
26.5
|
5
|
210,000
|
869
|
32,281,998
|
22
|
793,449
|
65+
|
72.4
|
41.8
|
65.6
|
3
|
210,000
|
109
|
7,906,347
|
4
|
320,019
|
Total
|
45.1
|
3.0
|
47.6
|
226
|
14,995,462
|
171,727
|
12,448,401,280
|
502
|
31,501,243
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.16
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.1
|
6.1
|
17.4
|
13
|
1,250,000
|
11,563
|
1,682,653,707
|
59
|
7,193,153
|
2
|
39.3
|
8.4
|
31.5
|
22
|
2,224,000
|
9,770
|
1,460,947,218
|
56
|
7,054,907
|
3
|
50.1
|
9.5
|
104.2
|
28
|
6,931,854
|
8,553
|
1,247,115,059
|
56
|
6,650,985
|
4
|
67.8
|
11.3
|
73.3
|
36
|
4,190,000
|
7,414
|
1,013,800,562
|
53
|
5,714,768
|
5
|
49.2
|
10.0
|
54.2
|
24
|
2,615,000
|
6,186
|
794,248,946
|
49
|
4,821,041
|
6
|
25.2
|
8.0
|
19.1
|
10
|
665,000
|
4,339
|
508,596,622
|
40
|
3,482,933
|
7+
|
61.2
|
8.5
|
59.4
|
52
|
4,211,500
|
7,453
|
784,243,105
|
85
|
7,087,823
|
Total
|
46.5
|
3.4
|
52.6
|
185
|
22,087,354
|
55,279
|
7,491,605,219
|
398
|
42,005,611
|
By Issue Age
|
20-24
|
179.3
|
126.7
|
144.8
|
2
|
200,000
|
1,597
|
197,250,953
|
1
|
138,084
|
25-29
|
126.6
|
56.6
|
168.6
|
5
|
900,000
|
4,021
|
540,556,223
|
4
|
533,835
|
30-34
|
40.6
|
20.3
|
25.9
|
4
|
400,000
|
6,555
|
1,029,895,804
|
10
|
1,543,834
|
35-39
|
46.5
|
14.7
|
90.3
|
10
|
3,130,000
|
8,782
|
1,454,572,411
|
22
|
3,467,114
|
40-44
|
46.4
|
9.9
|
45.6
|
22
|
3,381,854
|
10,836
|
1,770,760,349
|
47
|
7,414,151
|
45-49
|
42.6
|
7.4
|
38.1
|
33
|
3,731,500
|
9,959
|
1,326,807,192
|
78
|
9,785,717
|
50-54
|
48.1
|
6.4
|
41.8
|
56
|
4,275,500
|
8,469
|
780,712,680
|
116
|
10,233,312
|
55-59
|
46.4
|
7.4
|
60.3
|
39
|
3,843,500
|
3,940
|
308,524,543
|
84
|
6,369,639
|
60-64
|
43.6
|
12.1
|
96.5
|
13
|
2,125,000
|
980
|
74,404,760
|
30
|
2,201,072
|
65+
|
17.6
|
17.6
|
31.4
|
1
|
100,000
|
141
|
8,120,303
|
6
|
318,853
|
Total
|
46.5
|
3.4
|
52.6
|
185
|
22,087,354
|
55,279
|
7,491,605,219
|
398
|
42,005,611
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
841
|
103,644,431
|
1
|
65,681
|
25-29
|
217.4
|
97.2
|
289.4
|
5
|
850,000
|
2,804
|
356,912,029
|
2
|
293,743
|
30-34
|
47.9
|
27.7
|
37.1
|
3
|
350,000
|
5,228
|
785,636,827
|
6
|
944,021
|
35-39
|
30.0
|
15.0
|
31.1
|
4
|
700,000
|
7,412
|
1,245,970,248
|
13
|
2,247,639
|
40-44
|
66.8
|
14.9
|
94.3
|
20
|
4,871,854
|
9,724
|
1,674,937,772
|
30
|
5,163,758
|
45-49
|
35.7
|
8.0
|
27.1
|
20
|
2,246,500
|
10,284
|
1,535,180,483
|
56
|
8,301,313
|
50-54
|
40.0
|
6.8
|
40.6
|
35
|
3,920,000
|
8,979
|
1,004,340,933
|
87
|
9,649,797
|
55-59
|
46.3
|
6.5
|
43.7
|
50
|
3,950,000
|
6,570
|
549,524,903
|
108
|
9,041,371
|
60-64
|
49.1
|
8.4
|
80.9
|
34
|
4,003,000
|
2,752
|
197,072,346
|
69
|
4,949,539
|
65+
|
57.6
|
15.4
|
88.7
|
14
|
1,196,000
|
685
|
38,385,246
|
24
|
1,348,748
|
Total
|
46.5
|
3.4
|
52.6
|
185
|
22,087,354
|
55,279
|
7,491,605,219
|
398
|
42,005,611
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.17
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-4
|
49.7
|
3.5
|
56.7
|
202
|
13,074,690
|
148,109
|
9,680,040,592
|
407
|
23,061,271
|
5
|
56.9
|
8.7
|
62.3
|
43
|
2,566,527
|
22,447
|
1,381,614,059
|
76
|
4,118,930
|
6
|
68.7
|
11.0
|
71.9
|
39
|
2,185,000
|
15,296
|
920,787,966
|
57
|
3,039,467
|
7+
|
61.6
|
9.2
|
67.5
|
45
|
2,648,823
|
16,195
|
966,696,705
|
73
|
3,925,025
|
Total
|
53.8
|
3.0
|
60.0
|
330
|
20,475,040
|
202,047
|
12,949,139,322
|
612
|
34,144,693
|
By Issue Age
|
20-44
|
54.9
|
3.8
|
58.2
|
208
|
14,295,527
|
173,076
|
11,703,213,845
|
379
|
24,550,259
|
45-49
|
53.2
|
6.5
|
57.4
|
66
|
3,277,913
|
18,694
|
868,617,498
|
124
|
5,712,069
|
50+
|
50.5
|
6.8
|
74.7
|
55
|
2,901,600
|
10,276
|
377,307,979
|
109
|
3,882,365
|
Total
|
53.8
|
3.0
|
60.0
|
330
|
20,475,040
|
202,047
|
12,949,139,322
|
612
|
34,144,693
|
By Attained Age
|
20-49
|
53.9
|
3.5
|
57.4
|
234
|
15,605,127
|
182,966
|
12,178,853,228
|
434
|
27,196,914
|
50-54
|
49.4
|
7.0
|
50.0
|
50
|
2,175,813
|
12,913
|
556,608,827
|
101
|
4,353,907
|
55+
|
58.9
|
8.8
|
103.9
|
45
|
2,694,100
|
6,167
|
213,677,267
|
77
|
2,593,872
|
Total
|
53.8
|
3.0
|
60.0
|
330
|
20,475,040
|
202,047
|
12,949,139,322
|
612
|
34,144,693
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 10.18
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.0
|
8.7
|
40.6
|
21
|
1,762,500
|
11,266
|
1,090,193,969
|
53
|
4,340,751
|
2
|
40.9
|
9.1
|
42.8
|
20
|
1,770,000
|
9,156
|
921,141,903
|
49
|
4,136,850
|
3
|
46.4
|
9.8
|
66.2
|
22
|
2,645,490
|
8,062
|
809,052,199
|
48
|
3,998,172
|
4
|
51.5
|
10.7
|
70.4
|
23
|
2,470,000
|
7,045
|
679,615,187
|
45
|
3,510,326
|
5
|
55.9
|
11.7
|
62.4
|
23
|
1,865,000
|
6,009
|
546,047,951
|
41
|
2,988,505
|
6
|
52.5
|
12.7
|
68.4
|
17
|
1,472,491
|
4,191
|
353,267,921
|
32
|
2,151,692
|
7+
|
63.9
|
10.1
|
62.6
|
40
|
2,519,697
|
6,880
|
546,269,426
|
63
|
4,027,796
|
Total
|
50.4
|
3.9
|
57.7
|
166
|
14,505,178
|
52,609
|
4,945,588,556
|
331
|
25,154,091
|
By Issue Age
|
20-24
|
205.3
|
118.5
|
116.2
|
3
|
185,000
|
1,766
|
191,384,876
|
1
|
159,258
|
25-29
|
19.1
|
19.1
|
17.2
|
1
|
100,000
|
4,219
|
462,307,303
|
5
|
581,526
|
30-34
|
61.5
|
23.2
|
64.1
|
7
|
850,000
|
5,885
|
683,366,606
|
11
|
1,326,094
|
35-39
|
65.1
|
17.4
|
62.1
|
14
|
1,595,000
|
7,185
|
863,685,409
|
21
|
2,569,269
|
40-44
|
67.7
|
12.8
|
61.9
|
28
|
2,735,000
|
8,930
|
973,801,931
|
41
|
4,416,523
|
45-49
|
60.9
|
9.7
|
78.9
|
39
|
4,631,981
|
9,332
|
871,916,180
|
64
|
5,869,479
|
50-54
|
43.0
|
6.9
|
46.2
|
39
|
2,692,197
|
9,129
|
598,194,989
|
91
|
5,824,766
|
55-59
|
43.1
|
8.3
|
44.8
|
27
|
1,461,000
|
4,571
|
241,287,577
|
63
|
3,258,283
|
60-64
|
26.7
|
10.1
|
24.7
|
7
|
245,000
|
1,388
|
53,268,299
|
26
|
991,952
|
65+
|
19.8
|
19.8
|
6.4
|
1
|
10,000
|
204
|
6,375,386
|
5
|
156,941
|
Total
|
50.4
|
3.9
|
57.7
|
166
|
14,505,178
|
52,609
|
4,945,588,556
|
331
|
25,154,091
|
By Attained Age
|
20-24
|
144.3
|
144.3
|
138.0
|
1
|
100,000
|
983
|
102,785,898
|
1
|
72,447
|
25-29
|
61.7
|
43.6
|
24.8
|
2
|
85,000
|
3,129
|
330,680,347
|
3
|
342,688
|
30-34
|
90.3
|
34.1
|
72.4
|
7
|
650,000
|
4,974
|
575,119,837
|
8
|
897,511
|
35-39
|
33.2
|
14.8
|
47.4
|
5
|
850,000
|
6,372
|
756,841,469
|
15
|
1,794,741
|
40-44
|
49.7
|
13.3
|
41.2
|
14
|
1,385,000
|
7,751
|
929,406,747
|
28
|
3,360,098
|
45-49
|
75.6
|
12.6
|
89.5
|
36
|
4,379,490
|
8,695
|
896,077,181
|
48
|
4,891,564
|
50-54
|
58.0
|
8.8
|
64.5
|
43
|
3,814,991
|
9,297
|
742,403,223
|
75
|
5,918,793
|
55-59
|
31.8
|
6.2
|
38.3
|
26
|
1,870,697
|
7,236
|
431,571,524
|
82
|
4,880,451
|
60-64
|
52.3
|
10.3
|
56.3
|
26
|
1,250,000
|
3,187
|
144,078,713
|
50
|
2,219,335
|
65+
|
28.3
|
11.5
|
15.5
|
6
|
120,000
|
984
|
36,623,619
|
21
|
776,464
|
Total
|
50.4
|
3.9
|
57.7
|
166
|
14,505,178
|
52,609
|
4,945,588,556
|
331
|
25,154,091
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 11.1
EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
69.5
|
13.6
|
75.3
|
26
|
2,950,000
|
4,391
|
462,771,411
|
37
|
3,917,396
|
1997
|
73.3
|
9.5
|
70.0
|
59
|
5,275,000
|
8,648
|
852,605,774
|
81
|
7,532,183
|
1998
|
74.7
|
8.1
|
66.6
|
85
|
7,052,500
|
13,605
|
1,342,414,720
|
114
|
10,582,925
|
1999
|
58.6
|
5.5
|
65.2
|
112
|
10,675,921
|
25,485
|
2,340,494,488
|
191
|
16,384,866
|
2000
|
58.8
|
4.4
|
61.4
|
177
|
15,098,820
|
45,265
|
3,976,597,996
|
301
|
24,595,316
|
2001
|
62.2
|
3.2
|
67.1
|
386
|
33,698,171
|
108,544
|
9,417,052,786
|
621
|
50,231,458
|
2002
|
61.5
|
2.8
|
64.8
|
470
|
39,154,411
|
149,380
|
12,545,905,116
|
764
|
60,425,945
|
2003
|
54.1
|
2.4
|
59.2
|
497
|
43,622,207
|
197,966
|
16,922,093,627
|
917
|
73,628,112
|
2004
|
48.3
|
2.3
|
50.3
|
442
|
37,471,010
|
223,930
|
19,315,368,933
|
916
|
74,541,252
|
2005
|
49.2
|
2.8
|
51.6
|
305
|
26,451,840
|
162,721
|
14,348,391,749
|
619
|
51,245,274
|
2006
|
43.3
|
3.2
|
46.9
|
186
|
16,308,995
|
121,196
|
10,557,549,411
|
431
|
34,748,237
|
2007
|
38.3
|
3.8
|
40.2
|
100
|
8,793,750
|
77,244
|
6,976,740,053
|
260
|
21,899,483
|
2008
|
35.5
|
5.1
|
27.3
|
48
|
3,056,000
|
44,242
|
3,847,987,358
|
136
|
11,210,999
|
Total
|
53.7
|
1.0
|
56.6
|
2,894
|
249,608,625
|
1,182,616
|
102,905,973,424
|
5,389
|
440,943,446
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 11.2
MALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
66.2
|
17.1
|
67.5
|
15
|
1,750,000
|
2,309
|
270,864,160
|
23
|
2,593,981
|
1997
|
82.3
|
12.9
|
72.3
|
41
|
3,710,000
|
4,698
|
519,530,418
|
50
|
5,131,709
|
1998
|
69.3
|
10.0
|
65.3
|
48
|
4,627,500
|
7,234
|
795,896,031
|
69
|
7,083,938
|
1999
|
55.7
|
7.1
|
58.1
|
61
|
6,045,000
|
13,105
|
1,337,001,053
|
110
|
10,408,414
|
2000
|
56.5
|
5.8
|
58.2
|
94
|
8,713,333
|
22,723
|
2,212,428,888
|
166
|
14,974,231
|
2001
|
57.1
|
4.2
|
63.0
|
186
|
18,965,127
|
53,054
|
5,219,940,201
|
326
|
30,092,787
|
2002
|
61.8
|
3.9
|
62.7
|
248
|
22,367,260
|
73,179
|
6,895,027,474
|
402
|
35,698,552
|
2003
|
49.4
|
3.2
|
55.5
|
231
|
23,730,528
|
95,837
|
9,283,171,769
|
469
|
42,756,986
|
2004
|
45.0
|
3.1
|
46.3
|
207
|
19,742,074
|
108,360
|
10,444,449,958
|
459
|
42,601,151
|
2005
|
48.6
|
3.9
|
50.9
|
152
|
14,987,240
|
79,933
|
7,862,943,162
|
312
|
29,416,982
|
2006
|
40.0
|
4.3
|
35.2
|
85
|
6,859,495
|
59,455
|
5,760,809,211
|
213
|
19,468,318
|
2007
|
38.2
|
5.5
|
40.2
|
48
|
4,939,750
|
37,390
|
3,846,072,250
|
127
|
12,275,867
|
2008
|
40.4
|
7.9
|
28.3
|
26
|
1,761,000
|
20,990
|
2,087,043,820
|
65
|
6,226,546
|
Total
|
51.7
|
1.4
|
53.4
|
1,443
|
138,198,307
|
578,266
|
56,535,178,394
|
2,789
|
258,729,463
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014
TABLE 11.3
FEMALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2004 AND 2009 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
74.6
|
22.5
|
90.7
|
11
|
1,200,000
|
2,082
|
191,907,251
|
15
|
1,323,415
|
1997
|
58.6
|
13.8
|
65.2
|
18
|
1,565,000
|
3,949
|
333,075,356
|
31
|
2,400,474
|
1998
|
83.0
|
13.6
|
69.3
|
37
|
2,425,000
|
6,371
|
546,518,689
|
45
|
3,498,987
|
1999
|
62.5
|
8.7
|
77.5
|
51
|
4,630,921
|
12,379
|
1,003,493,435
|
82
|
5,976,451
|
2000
|
61.6
|
6.8
|
66.4
|
83
|
6,385,487
|
22,542
|
1,764,169,108
|
135
|
9,621,085
|
2001
|
67.7
|
4.8
|
73.2
|
200
|
14,733,044
|
55,490
|
4,197,112,585
|
295
|
20,138,671
|
2002
|
61.3
|
4.1
|
67.9
|
222
|
16,787,151
|
76,201
|
5,650,877,643
|
362
|
24,727,393
|
2003
|
59.1
|
3.6
|
64.4
|
265
|
19,891,679
|
102,129
|
7,638,921,858
|
449
|
30,871,127
|
2004
|
51.5
|
3.4
|
55.5
|
236
|
17,728,936
|
115,570
|
8,870,918,975
|
457
|
31,940,101
|
2005
|
49.9
|
4.0
|
52.5
|
153
|
11,464,600
|
82,788
|
6,485,448,588
|
307
|
21,828,292
|
2006
|
46.5
|
4.6
|
61.8
|
101
|
9,449,500
|
61,741
|
4,796,740,200
|
218
|
15,279,919
|
2007
|
38.5
|
5.4
|
40.0
|
51
|
3,854,000
|
39,854
|
3,130,667,803
|
133
|
9,623,616
|
2008
|
31.1
|
6.6
|
26.0
|
22
|
1,295,000
|
23,252
|
1,760,943,539
|
71
|
4,984,453
|
Total
|
55.8
|
1.5
|
61.1
|
1,451
|
111,410,318
|
604,350
|
46,370,795,030
|
2,600
|
182,213,983
|
Thomson Data Analysis Tue Sep 30 14:06:59 2014