CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE
TABLE 1.2 TOTAL EXPERIENCE -- MALES
TABLE 1.3 TOTAL EXPERIENCE -- FEMALES
TABLE 2.1 TOTAL EXPERIENCE -- SMOKERS
TABLE 2.2 TOTAL EXPERIENCE -- MALE SMOKERS
TABLE 2.3 TOTAL EXPERIENCE -- FEMALE SMOKERS
TABLE 2.4 TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 2.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
TABLE 2.6 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 3.1 TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.2 TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.3 TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.4 TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.5 MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.6 MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.7 MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.8 MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.9 FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.10 FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.11 FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.12 FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.13 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.14 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.15 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.16 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.17 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.18 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.19 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.20 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.21 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.22 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.23 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.24 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.25 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.26 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.27 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.28 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.29 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.30 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.31 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.32 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.33 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.34 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.35 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.36 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 4.1 TOTAL EXPERIENCE BY ILLNESS
TABLE 4.2 TOTAL EXPERIENCE BY ILLNESS -- MALES
TABLE 4.3 TOTAL EXPERIENCE BY ILLNESS -- FEMALES
TABLE 4.4 TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
TABLE 4.5 TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
TABLE 4.6 TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
TABLE 4.7 TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
TABLE 4.8 TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
TABLE 4.9 TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 5.1 HEART ATTACK EXPERIENCE
TABLE 5.2 MALE HEART ATTACK EXPERIENCE
TABLE 5.3 FEMALE HEART ATTACK EXPERIENCE
TABLE 5.4 HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.5 MALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.6 FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.7 HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.8 MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.9 FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.1 LIFE THREATENING CANCER EXPERIENCE
TABLE 6.2 MALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.3 FEMALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.4 LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.5 MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.6 FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.7 LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.8 MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.9 FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.1 STROKE EXPERIENCE
TABLE 7.2 MALE STROKE EXPERIENCE
TABLE 7.3 FEMALE STROKE EXPERIENCE
TABLE 7.4 STROKE EXPERIENCE -- SMOKERS
TABLE 7.5 MALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.6 FEMALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.7 STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.8 MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.9 FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 8.1 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.2 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.3 TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.4 TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.5 MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.6 MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.7 MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.8 MALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.9 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.10 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.11 FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.12 FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 9.1 TOTAL EXPERIENCE -- POLICY YEAR
TABLE 9.2 MALE EXPERIENCE -- POLICY YEAR
TABLE 9.3 FEMALE EXPERIENCE -- POLICY YEAR
TABLE 10.1 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.2 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.3 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.4 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.5 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.6 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.7 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.8 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.9 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.10 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.11 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.12 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.13 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.14 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.15 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 11.1 EXPERIENCE BY ISSUE YEAR
TABLE 11.2 MALE EXPERIENCE BY ISSUE YEAR
TABLE 11.3 FEMALE EXPERIENCE BY ISSUE YEAR



TABLE 1.1     TOTAL EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.6 2.0 27.5 183 15,497,600 220,173 19,081,870,531 689 56,418,899
2 49.2 2.6 51.8 345 30,148,720 200,243 17,655,579,063 701 58,240,518
3 53.2 2.7 55.9 401 35,063,983 190,714 16,932,168,560 753 62,772,087
4 53.5 2.6 55.4 439 37,677,512 183,341 16,242,830,643 820 67,983,780
5 56.3 2.6 57.4 487 40,773,467 173,177 15,208,377,556 864 71,089,988
6 56.3 2.6 59.3 487 42,223,767 155,371 13,651,275,634 864 71,230,943
7+ 57.0 1.5 57.6 1,420 120,216,416 346,581 30,668,906,418 2,490 208,735,989
Total 52.4 0.9 53.9 3,761 321,601,465 1,469,600 129,441,008,405 7,180 596,472,202
By Issue Age
20-24 62.3 9.1 59.9 47 3,467,500 92,331 7,124,619,980 75 5,791,750
25-29 61.5 5.0 67.0 151 13,954,907 204,843 17,379,955,533 245 20,819,545
30-34 56.9 3.4 59.1 275 26,948,020 263,404 24,899,203,081 484 45,614,776
35-39 56.1 2.6 56.4 462 44,807,022 278,693 27,179,142,578 823 79,471,617
40-44 56.1 2.1 55.0 720 65,700,132 261,044 24,346,112,218 1,284 119,466,506
45-49 51.5 1.8 49.8 814 65,955,070 196,797 16,306,000,798 1,582 132,563,180
50-54 50.2 1.9 51.7 718 56,951,763 112,341 8,393,857,018 1,432 110,157,759
55-59 48.4 2.3 55.8 424 33,602,850 46,371 3,046,499,135 877 60,185,136
60-64 39.2 3.6 45.7 120 8,728,837 11,721 675,378,340 307 19,095,583
65+ 39.6 7.5 44.9 28 1,485,364 2,054 90,239,724 71 3,306,350
Total 52.4 0.9 53.9 3,761 321,601,465 1,469,600 129,441,008,405 7,180 596,472,202
By Attained Age
20-24 59.6 15.9 48.6 14 885,000 35,658 2,762,899,724 23 1,820,785
25-29 58.2 6.8 59.0 73 5,959,027 136,433 11,035,874,526 125 10,103,482
30-34 59.1 4.4 63.5 177 16,701,250 219,448 19,372,797,518 300 26,295,006
35-39 51.1 3.1 52.2 271 26,193,423 257,496 24,703,896,581 529 50,205,423
40-44 54.5 2.5 52.6 467 43,280,065 261,115 25,347,569,215 857 82,263,983
45-49 54.2 2.1 56.1 698 65,096,985 237,709 21,487,373,763 1,286 115,976,368
50-54 53.1 1.9 50.7 796 62,988,731 171,010 13,997,833,790 1,499 124,277,404
55-59 50.2 1.9 52.7 668 53,825,860 96,144 7,155,353,717 1,331 102,170,979
60-64 50.6 2.5 60.8 425 35,865,358 41,326 2,789,454,081 839 58,991,808
65+ 44.2 3.4 44.3 172 10,805,766 13,261 787,955,492 390 24,366,963
Total 52.4 0.9 53.9 3,761 321,601,465 1,469,600 129,441,008,405 7,180 596,472,202

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 1.2     TOTAL EXPERIENCE -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.5 2.9 28.1 90 8,754,500 104,847 10,347,952,762 328 31,208,591
2 46.4 3.7 51.4 159 16,868,117 96,403 9,622,508,236 342 32,814,760
3 48.7 3.6 47.4 183 17,013,193 92,416 9,247,105,623 376 35,862,840
4 49.6 3.4 51.5 207 20,263,901 89,106 8,882,600,869 417 39,333,352
5 54.3 3.5 51.6 242 21,421,443 84,201 8,301,641,281 446 41,542,187
6 48.6 3.3 48.0 219 20,263,853 75,489 7,476,852,894 451 42,178,917
7+ 55.5 2.0 56.9 756 73,154,115 170,534 17,001,057,839 1,364 128,583,924
Total 49.9 1.2 50.6 1,857 177,739,122 712,997 70,879,719,504 3,725 351,524,571
By Issue Age
20-24 54.3 13.2 62.3 17 1,595,000 43,134 3,520,943,732 31 2,561,833
25-29 72.2 8.6 68.3 71 6,097,500 95,031 8,567,862,868 98 8,933,285
30-34 49.6 4.9 60.4 102 13,123,750 128,937 13,444,417,254 206 21,720,411
35-39 47.9 3.6 48.0 177 19,594,186 138,055 15,178,550,711 371 40,849,036
40-44 48.4 2.8 47.0 308 32,015,671 129,903 13,943,284,815 636 68,111,164
45-49 48.8 2.4 45.5 409 36,750,085 95,973 9,265,850,302 839 80,791,489
50-54 53.2 2.6 53.2 434 38,261,360 54,047 4,764,374,633 815 71,854,889
55-59 48.8 3.1 55.4 251 22,638,242 21,852 1,741,884,401 514 40,845,070
60-64 40.4 4.8 49.0 70 6,632,964 5,142 399,219,323 173 13,529,540
65+ 44.5 10.5 44.3 18 1,030,364 923 53,331,465 41 2,327,853
Total 49.9 1.2 50.6 1,857 177,739,122 712,997 70,879,719,504 3,725 351,524,571
By Attained Age
20-24 29.0 16.7 30.6 3 260,000 16,864 1,374,444,888 10 848,696
25-29 67.9 11.6 70.1 34 3,040,000 62,493 5,380,840,869 50 4,334,212
30-34 64.8 7.3 66.0 79 7,772,500 103,928 9,959,385,448 122 11,780,824
35-39 41.2 4.3 44.1 92 10,600,523 126,830 13,510,355,342 224 24,025,584
40-44 47.2 3.5 46.2 185 19,917,177 130,360 14,329,453,117 392 43,089,753
45-49 45.7 2.7 46.4 291 30,801,447 117,625 12,298,641,809 636 66,405,170
50-54 50.8 2.5 48.5 407 36,815,567 83,138 7,885,004,958 801 75,860,278
55-59 51.6 2.6 50.9 393 34,261,788 45,917 4,069,305,456 761 67,321,134
60-64 53.7 3.3 65.8 268 26,683,062 19,719 1,605,664,814 500 40,543,989
65+ 45.9 4.5 43.8 105 7,587,058 6,123 466,622,804 229 17,314,930
Total 49.9 1.2 50.6 1,857 177,739,122 712,997 70,879,719,504 3,725 351,524,571

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 1.3     TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.7 2.7 26.7 92 6,743,100 115,326 8,733,917,769 360 25,210,308
2 51.8 3.8 52.2 186 13,280,603 103,840 8,033,070,827 358 25,425,757
3 57.8 3.9 67.1 218 18,050,790 98,298 7,685,062,937 377 26,909,247
4 57.6 3.8 60.8 232 17,413,611 94,235 7,360,229,774 403 28,650,428
5 58.4 3.7 65.5 244 19,352,024 88,976 6,906,736,275 418 29,547,801
6 64.8 4.0 75.6 267 21,959,914 79,882 6,174,422,741 413 29,052,026
7+ 58.9 2.3 58.7 663 47,062,301 176,047 13,667,848,578 1,126 80,152,065
Total 55.1 1.3 58.7 1,903 143,862,343 756,603 58,561,288,901 3,455 244,947,632
By Issue Age
20-24 67.9 12.4 58.0 30 1,872,500 49,197 3,603,676,248 44 3,229,916
25-29 54.4 6.1 66.1 80 7,857,407 109,812 8,812,092,665 147 11,886,260
30-34 62.2 4.7 57.9 173 13,824,270 134,467 11,454,785,827 278 23,894,365
35-39 62.9 3.7 65.3 284 25,212,836 140,638 12,000,591,867 452 38,622,581
40-44 63.7 3.1 65.6 413 33,684,461 131,141 10,402,827,403 648 51,355,341
45-49 54.5 2.7 56.4 405 29,204,985 100,824 7,040,150,496 743 51,771,691
50-54 46.2 2.7 48.8 285 18,690,403 58,294 3,629,482,385 616 38,302,870
55-59 47.8 3.6 56.7 174 10,964,608 24,519 1,304,614,733 363 19,340,066
60+ 36.7 4.7 39.0 60 2,550,873 7,711 313,067,277 164 6,544,539
Total 55.1 1.3 58.7 1,903 143,862,343 756,603 58,561,288,901 3,455 244,947,632
By Attained Age
20-24 83.8 25.3 64.3 11 625,000 18,794 1,388,454,836 13 972,089
25-29 51.8 8.3 50.6 39 2,919,027 73,940 5,655,033,657 75 5,769,270
30-34 55.2 5.6 61.5 98 8,928,750 115,520 9,413,412,070 178 14,514,183
35-39 58.4 4.4 59.6 178 15,592,900 130,666 11,193,541,239 305 26,179,839
40-44 60.6 3.6 59.6 282 23,362,888 130,755 11,018,116,098 466 39,174,230
45-49 62.6 3.1 69.2 407 34,295,538 120,084 9,188,731,954 650 49,571,198
50-54 55.7 2.8 54.1 389 26,173,164 87,872 6,112,828,831 698 48,417,126
55-59 48.3 2.9 56.1 276 19,564,072 50,227 3,086,048,261 570 34,849,845
60-64 46.1 3.7 49.8 156 9,182,296 21,607 1,183,789,267 339 18,447,819
65+ 41.8 5.1 45.6 67 3,218,708 7,139 321,332,687 160 7,052,033
Total 55.1 1.3 58.7 1,903 143,862,343 756,603 58,561,288,901 3,455 244,947,632

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.1     TOTAL EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 53.0 9.3 61.8 32 2,169,000 24,028 1,536,456,735 61 3,512,214
2 65.4 10.4 78.9 39 2,695,133 21,116 1,349,293,572 60 3,416,926
3 88.0 11.7 80.1 56 2,885,008 19,793 1,252,810,908 64 3,600,123
4 62.7 9.7 62.5 42 2,343,625 18,530 1,158,834,648 67 3,751,309
5 77.6 10.7 98.7 53 3,749,605 17,084 1,055,016,769 68 3,799,814
6 88.5 11.5 83.2 59 3,145,628 15,123 943,060,649 67 3,780,763
7+ 88.2 7.0 82.0 161 8,908,979 31,662 2,034,171,904 182 10,869,090
Total 77.8 3.7 79.1 443 25,896,978 147,336 9,329,645,185 569 32,730,239
By Issue Age
20-24 75.3 25.1 48.8 9 350,000 14,858 895,692,419 12 717,054
25-29 91.7 17.3 107.2 28 2,165,880 27,016 1,804,719,338 31 2,020,439
30-34 63.6 11.4 82.8 31 2,849,120 27,659 1,969,346,039 49 3,442,973
35-39 82.4 10.3 78.1 64 4,096,734 26,743 1,822,755,865 78 5,246,894
40-44 75.7 8.1 73.5 87 5,232,000 23,774 1,471,228,347 115 7,114,652
45-49 99.8 8.8 111.2 128 7,820,241 16,453 885,876,859 129 7,031,197
50-54 62.8 8.1 46.3 60 2,103,403 7,781 355,370,279 96 4,545,879
55-59 55.7 11.1 46.5 25 949,600 2,456 103,953,615 45 2,043,925
60-64 58.2 20.6 49.2 8 245,000 547 18,735,148 14 498,036
65+ 107.0 75.7 122.9 2 85,000 49 1,967,276 2 69,189
Total 77.8 3.7 79.1 443 25,896,978 147,336 9,329,645,185 569 32,730,239
By Attained Age
20-24 54.0 38.2 22.7 2 50,000 5,708 339,754,758 4 220,471
25-29 55.0 17.4 72.1 10 845,000 20,431 1,325,742,761 18 1,172,075
30-34 109.5 17.8 122.0 38 2,823,750 26,512 1,788,312,611 35 2,313,628
35-39 57.5 10.7 52.0 29 1,815,250 25,289 1,777,506,945 50 3,489,434
40-44 73.1 9.5 82.6 59 4,359,253 24,914 1,651,328,055 81 5,275,573
45-49 93.6 8.9 105.7 110 7,391,989 21,756 1,307,245,690 117 6,995,529
50-54 77.5 8.0 72.1 93 4,600,866 13,790 725,409,415 120 6,384,639
55-59 79.2 9.6 63.9 68 2,681,270 6,280 296,427,260 86 4,196,220
60-64 58.0 11.6 43.7 25 924,600 2,129 99,238,692 43 2,116,886
65+ 59.5 19.8 71.6 9 405,000 527 18,678,998 15 565,784
Total 77.8 3.7 79.1 443 25,896,978 147,336 9,329,645,185 569 32,730,239

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 65.9 14.3 74.5 21 1,596,000 13,801 985,148,598 32 2,143,679
2 78.4 15.6 97.1 25 2,010,000 11,999 852,403,599 32 2,070,829
3 96.4 16.7 72.3 33 1,579,008 11,086 780,613,569 34 2,183,990
4 58.8 12.8 61.9 21 1,395,000 10,190 709,177,606 36 2,253,254
5 68.9 13.8 93.4 25 2,124,600 9,265 638,087,029 36 2,275,412
6 67.1 13.7 61.3 24 1,416,500 8,174 573,698,109 36 2,309,270
7+ 89.0 9.3 88.2 91 6,060,850 17,145 1,241,788,802 102 6,874,720
Total 77.9 5.0 80.5 240 16,181,958 81,660 5,780,917,311 309 20,111,154
By Issue Age
20-24 33.9 24.0 39.3 2 150,000 8,116 523,923,197 6 381,334
25-29 89.9 24.0 81.2 14 910,000 15,591 1,113,545,904 16 1,120,512
30-34 59.6 15.4 82.6 15 1,666,250 16,208 1,282,616,469 25 2,017,765
35-39 92.1 15.1 84.1 37 2,604,085 15,147 1,156,354,126 40 3,095,461
40-44 82.9 11.6 81.5 51 3,510,000 12,929 901,222,932 62 4,305,574
45-49 95.0 11.6 111.7 67 4,981,508 8,450 530,057,509 71 4,457,949
50-54 61.4 10.5 48.3 34 1,435,515 3,870 202,711,959 55 2,971,441
55-59 58.9 15.1 52.7 15 739,600 1,104 59,624,841 26 1,403,466
60-64 59.4 29.7 52.3 4 160,000 208 9,657,279 7 306,111
65+ 64.0 64.0 48.5 1 25,000 37 1,203,095 2 51,541
Total 77.9 5.0 80.5 240 16,181,958 81,660 5,780,917,311 309 20,111,154
By Attained Age
20-24 0.0 0.0 0.0 0 0 3,155 203,885,608 2 125,305
25-29 54.4 24.3 51.8 5 330,000 11,543 796,158,688 9 636,602
30-34 106.5 24.4 107.9 19 1,430,000 15,430 1,137,400,364 18 1,325,839
35-39 58.0 15.0 50.1 15 1,013,250 14,741 1,147,712,053 26 2,021,093
40-44 82.2 14.1 98.4 34 3,031,000 13,854 1,031,461,437 41 3,079,411
45-49 101.1 12.7 113.2 63 4,849,593 11,680 803,079,390 63 4,285,102
50-54 73.6 10.5 70.3 49 2,817,000 7,020 423,522,034 67 4,009,744
55-59 74.4 12.4 63.6 36 1,746,515 2,961 167,279,380 49 2,746,306
60-64 49.7 13.7 43.9 13 664,600 1,050 60,502,106 26 1,513,829
65+ 71.4 29.1 81.5 6 300,000 225 9,916,249 8 367,923
Total 77.9 5.0 80.5 240 16,181,958 81,660 5,780,917,311 309 20,111,154

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.3     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.5 11.6 41.9 11 573,000 10,227 551,308,137 29 1,368,534
2 50.6 13.4 50.9 14 685,133 9,117 496,889,973 28 1,346,097
3 78.3 16.3 92.2 23 1,306,000 8,707 472,197,339 29 1,416,133
4 67.0 14.6 63.3 21 948,625 8,340 449,657,041 31 1,498,055
5 87.4 16.5 106.6 28 1,625,005 7,819 416,929,741 32 1,524,402
6 113.4 19.2 117.5 35 1,729,128 6,949 369,362,541 31 1,471,494
7+ 87.3 10.4 71.3 70 2,848,129 14,517 792,383,102 80 3,994,370
Total 77.7 5.5 77.0 202 9,715,020 65,676 3,548,727,874 261 12,619,085
By Issue Age
20-24 115.8 43.8 59.6 7 200,000 6,742 371,769,222 6 335,720
25-29 93.5 25.0 139.6 14 1,255,880 11,424 691,173,434 15 899,928
30-34 67.8 17.0 83.0 16 1,182,870 11,451 686,729,569 24 1,425,209
35-39 72.0 13.9 69.4 27 1,492,649 11,597 666,401,738 37 2,151,433
40-44 67.5 11.2 61.3 36 1,722,000 10,844 570,005,415 53 2,809,078
45-49 105.7 13.5 110.3 61 2,838,733 8,003 355,819,351 58 2,573,248
50-54 64.6 12.7 42.4 26 667,888 3,911 152,658,320 40 1,574,438
55-59 51.4 16.3 32.8 10 210,000 1,352 44,328,774 19 640,459
60-64 57.1 28.5 44.3 4 85,000 339 9,077,869 7 191,924
65+ 326.6 326.6 340.0 1 60,000 13 764,180 0 17,648
Total 77.7 5.5 77.0 202 9,715,020 65,676 3,548,727,874 261 12,619,085
By Attained Age
20-24 112.5 79.5 52.5 2 50,000 2,553 135,869,149 2 95,166
25-29 55.8 24.9 96.2 5 515,000 8,887 529,584,073 9 535,473
30-34 112.7 25.9 141.1 19 1,393,750 11,082 650,912,247 17 987,789
35-39 57.0 15.2 54.6 14 802,000 10,548 629,794,891 25 1,468,341
40-44 63.5 12.7 60.5 25 1,328,253 11,060 619,866,618 39 2,196,162
45-49 85.1 12.5 93.8 46 2,542,396 10,076 504,166,300 54 2,710,427
50-54 82.3 12.4 75.1 44 1,783,866 6,769 301,887,381 53 2,374,895
55-59 85.4 15.1 64.5 32 934,755 3,319 129,147,880 37 1,449,914
60-64 71.1 20.5 43.1 12 260,000 1,078 38,736,586 17 603,057
65+ 44.6 25.8 53.1 3 105,000 303 8,762,749 7 197,861
Total 77.7 5.5 77.0 202 9,715,020 65,676 3,548,727,874 261 12,619,085

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.4     TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.0 2.0 25.2 151 13,328,600 196,145 17,545,413,796 628 52,906,685
2 47.7 2.7 50.1 305 27,453,587 179,127 16,306,285,491 640 54,823,592
3 50.0 2.7 54.4 345 32,178,975 170,921 15,679,357,652 689 59,171,964
4 52.7 2.6 55.0 397 35,333,887 164,811 15,083,995,996 753 64,232,471
5 54.5 2.6 55.0 434 37,023,862 156,093 14,153,360,787 796 67,290,174
6 53.6 2.6 57.9 427 39,078,139 140,248 12,708,214,985 797 67,450,179
7+ 54.6 1.5 56.3 1,259 111,307,437 314,919 28,634,734,514 2,307 197,866,899
Total 50.2 0.9 52.5 3,318 295,704,487 1,322,264 120,111,363,220 6,611 563,741,963
By Issue Age
20-24 59.8 9.7 61.4 38 3,117,500 77,473 6,228,927,561 64 5,074,696
25-29 57.3 5.2 62.7 123 11,789,027 177,827 15,575,236,195 215 18,799,106
30-34 56.1 3.6 57.1 244 24,098,900 235,745 22,929,857,042 435 42,171,803
35-39 53.4 2.7 54.8 398 40,710,288 251,950 25,356,386,713 745 74,224,723
40-44 54.2 2.2 53.8 633 60,468,132 237,270 22,874,883,871 1,169 112,351,853
45-49 47.2 1.8 46.3 686 58,134,829 180,345 15,420,123,939 1,453 125,531,983
50-54 49.3 1.9 51.9 658 54,848,360 104,560 8,038,486,739 1,336 105,611,880
55-59 48.0 2.4 56.2 399 32,653,250 43,915 2,942,545,519 832 58,141,212
60+ 38.2 3.2 45.3 138 9,884,201 13,179 744,915,641 362 21,834,708
Total 50.2 0.9 52.5 3,318 295,704,487 1,322,264 120,111,363,220 6,611 563,741,963
By Attained Age
20-24 60.7 17.5 52.2 12 835,000 29,950 2,423,144,966 20 1,600,314
25-29 58.8 7.4 57.3 63 5,114,027 116,003 9,710,131,765 107 8,931,407
30-34 52.5 4.5 57.9 139 13,877,500 192,937 17,584,484,907 265 23,981,379
35-39 50.4 3.2 52.2 242 24,378,173 232,207 22,926,389,636 479 46,715,989
40-44 52.5 2.6 50.6 408 38,920,812 236,200 23,696,241,160 777 76,988,410
45-49 50.3 2.1 52.9 588 57,704,996 215,952 20,180,128,073 1,169 108,980,838
50-54 51.0 1.9 49.5 703 58,387,865 157,221 13,272,424,374 1,379 117,892,765
55-59 48.2 2.0 52.2 600 51,144,590 89,864 6,858,926,457 1,245 97,974,760
60-64 50.2 2.5 61.4 400 34,940,758 39,197 2,690,215,388 796 56,874,922
65+ 43.5 3.4 43.7 163 10,400,766 12,734 769,276,494 375 23,801,179
Total 50.2 0.9 52.5 3,318 295,704,487 1,322,264 120,111,363,220 6,611 563,741,963

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.4 2.8 24.6 69 7,158,500 91,046 9,362,804,164 296 29,064,911
2 43.1 3.7 48.3 134 14,858,117 84,404 8,770,104,638 310 30,743,931
3 43.9 3.6 45.8 150 15,434,185 81,330 8,466,492,054 342 33,678,850
4 48.7 3.6 50.9 186 18,868,901 78,916 8,173,423,263 381 37,080,098
5 53.0 3.6 49.1 217 19,296,843 74,937 7,663,554,252 410 39,266,775
6 47.0 3.4 47.3 195 18,847,353 67,316 6,903,154,785 415 39,869,647
7+ 52.7 2.0 55.1 665 67,093,265 153,388 15,759,269,038 1,262 121,709,204
Total 47.3 1.2 48.7 1,617 161,557,164 631,337 65,098,802,193 3,416 331,413,416
By Issue Age
20-24 59.0 15.2 66.3 15 1,445,000 35,018 2,997,020,534 25 2,180,500
25-29 68.9 9.1 66.4 57 5,187,500 79,439 7,454,316,965 83 7,812,773
30-34 48.2 5.2 58.2 87 11,457,500 112,728 12,161,800,784 181 19,702,646
35-39 42.5 3.6 45.0 140 16,990,101 122,909 14,022,196,584 331 37,753,575
40-44 44.7 2.8 44.7 257 28,505,671 116,973 13,042,061,883 574 63,805,591
45-49 44.5 2.4 41.6 342 31,768,577 87,523 8,735,792,794 768 76,333,539
50-54 52.6 2.6 53.5 400 36,825,845 50,177 4,561,662,674 760 68,883,448
55-59 48.2 3.1 55.5 236 21,898,642 20,748 1,682,259,560 489 39,441,604
60-64 39.6 4.9 49.0 66 6,472,964 4,934 389,562,044 167 13,223,429
65+ 43.8 10.6 44.2 17 1,005,364 886 52,128,370 39 2,276,312
Total 47.3 1.2 48.7 1,617 161,557,164 631,337 65,098,802,193 3,416 331,413,416
By Attained Age
20-24 35.6 20.6 35.9 3 260,000 13,709 1,170,559,279 8 723,391
25-29 70.9 13.2 73.3 29 2,710,000 50,950 4,584,682,180 41 3,697,610
30-34 57.7 7.4 60.7 60 6,342,500 88,498 8,821,985,084 104 10,454,985
35-39 39.0 4.4 43.6 77 9,587,273 112,089 12,362,643,289 198 22,004,492
40-44 43.0 3.5 42.2 151 16,886,177 116,506 13,297,991,679 350 40,010,342
45-49 39.7 2.6 41.8 228 25,951,854 105,944 11,495,562,419 574 62,120,068
50-54 48.8 2.6 47.3 358 33,998,567 76,118 7,461,482,924 734 71,850,534
55-59 50.1 2.7 50.4 357 32,515,273 42,956 3,902,026,076 713 64,574,828
60-64 53.9 3.4 66.7 255 26,018,462 18,669 1,545,162,708 473 39,030,160
65+ 44.9 4.5 43.0 99 7,287,058 5,898 456,706,555 221 16,947,007
Total 47.3 1.2 48.7 1,617 161,557,164 631,337 65,098,802,193 3,416 331,413,416

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 2.6     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.6 2.7 25.9 82 6,170,100 105,099 8,182,609,632 332 23,841,774
2 51.9 4.0 52.3 171 12,595,470 94,723 7,536,180,853 330 24,079,660
3 56.1 4.0 65.7 195 16,744,790 89,591 7,212,865,598 348 25,493,114
4 56.8 3.9 60.6 211 16,464,986 85,895 6,910,572,733 372 27,152,373
5 56.0 3.8 63.3 216 17,727,019 81,157 6,489,806,535 386 28,023,399
6 60.9 4.0 73.4 232 20,230,786 72,932 5,805,060,200 382 27,580,532
7+ 56.8 2.3 58.1 593 44,214,172 161,530 12,875,465,476 1,046 76,157,695
Total 53.2 1.3 57.7 1,701 134,147,323 690,927 55,012,561,027 3,195 232,328,547
By Issue Age
20-24 60.3 12.6 57.8 23 1,672,500 42,455 3,231,907,026 38 2,894,196
25-29 50.0 6.1 60.1 66 6,601,527 98,388 8,120,919,231 132 10,986,333
30-34 61.7 4.9 56.3 157 12,641,400 123,017 10,768,056,258 255 22,469,157
35-39 62.0 3.9 65.0 257 23,720,187 129,041 11,334,190,129 415 36,471,148
40-44 63.3 3.3 65.8 376 31,962,461 120,297 9,832,821,987 595 48,546,263
45-49 50.2 2.7 53.6 344 26,366,252 92,821 6,684,331,145 685 49,198,443
50-54 44.9 2.8 49.1 259 18,022,515 54,383 3,476,824,065 576 36,728,432
55-59 47.6 3.7 57.5 164 10,754,608 23,167 1,260,285,959 343 18,699,608
60+ 35.2 4.7 38.0 55 2,405,873 7,358 303,225,227 156 6,334,967
Total 53.2 1.3 57.7 1,701 134,147,323 690,927 55,012,561,027 3,195 232,328,547
By Attained Age
20-24 79.3 26.4 65.6 9 575,000 16,241 1,252,585,687 11 876,923
25-29 51.3 8.8 45.9 34 2,404,027 65,052 5,125,449,584 66 5,233,796
30-34 49.1 5.5 55.7 79 7,535,000 104,439 8,762,499,823 161 13,526,394
35-39 58.5 4.6 59.9 164 14,790,900 120,118 10,563,746,348 281 24,711,498
40-44 60.4 3.8 59.6 257 22,034,635 119,695 10,398,249,481 427 36,978,068
45-49 60.5 3.2 67.8 360 31,753,142 110,008 8,684,565,655 596 46,860,770
50-54 53.5 2.9 53.0 345 24,389,298 81,103 5,810,941,450 645 46,042,231
55-59 45.7 2.9 55.8 244 18,629,317 46,908 2,956,900,381 533 33,399,932
60-64 44.8 3.7 50.0 144 8,922,296 20,528 1,145,052,680 322 17,844,762
65+ 41.6 5.2 45.4 64 3,113,708 6,836 312,569,938 154 6,854,172
Total 53.2 1.3 57.7 1,701 134,147,323 690,927 55,012,561,027 3,195 232,328,547

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.1     TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.1 3.3 21.6 48 1,005,100 52,501 1,194,744,613 209 4,662,486
2 42.6 4.5 45.1 89 2,109,603 46,680 1,066,510,905 210 4,673,497
3 50.6 4.7 51.3 114 2,581,871 44,266 1,013,423,179 225 5,035,933
4 52.3 4.6 52.1 128 2,891,109 42,943 991,921,551 245 5,554,070
5 52.5 4.5 53.6 135 3,157,930 40,908 953,349,288 258 5,886,480
6 60.6 4.9 64.0 155 3,782,997 36,747 862,252,566 256 5,910,205
7+ 57.3 3.0 57.9 375 9,019,090 74,837 1,784,841,107 654 15,564,768
Total 50.8 1.6 51.9 1,045 24,547,700 338,882 7,867,043,210 2,057 47,287,439
By Issue Age
20-24 71.6 19.1 86.6 14 355,000 23,860 498,749,154 20 410,042
25-29 59.0 11.0 59.4 29 656,500 41,195 928,850,631 49 1,105,421
30-34 62.1 8.6 66.8 52 1,304,450 45,887 1,066,155,325 84 1,951,821
35-39 52.2 6.0 56.0 76 1,984,581 49,669 1,197,869,196 146 3,543,381
40-44 59.8 4.7 62.4 162 4,118,787 55,699 1,352,185,211 271 6,605,755
45-49 53.5 3.5 52.8 232 5,512,100 55,226 1,324,802,385 433 10,439,261
50-54 50.9 3.3 50.2 244 5,601,925 38,996 904,229,782 479 11,165,869
55-59 44.3 3.4 44.0 165 3,523,156 20,679 442,250,281 373 8,016,082
60+ 35.1 4.2 36.8 71 1,491,201 7,671 151,951,245 203 4,049,808
Total 50.8 1.6 51.9 1,045 24,547,700 338,882 7,867,043,210 2,057 47,287,439
By Attained Age
20-24 99.5 40.6 107.6 6 135,000 9,251 191,199,537 6 125,484
25-29 56.2 14.0 60.5 16 380,000 30,935 681,003,285 28 628,341
30-34 48.1 9.1 48.1 28 636,500 42,485 963,762,173 58 1,322,580
35-39 57.1 7.8 65.7 54 1,462,450 45,338 1,063,292,898 95 2,226,097
40-44 54.9 5.7 56.1 91 2,246,912 49,787 1,199,749,907 166 4,008,558
45-49 52.7 4.2 54.4 159 3,932,438 55,105 1,324,671,944 301 7,233,883
50-54 57.0 3.7 57.9 244 5,860,748 49,057 1,164,873,372 427 10,129,438
55-59 48.6 3.3 46.8 220 4,882,272 33,390 770,597,575 453 10,424,751
60-64 44.2 3.6 44.1 148 3,229,614 17,037 373,165,709 335 7,328,170
65+ 42.5 4.8 46.2 79 1,781,766 6,497 134,726,810 186 3,860,138
Total 50.8 1.6 51.9 1,045 24,547,700 338,882 7,867,043,210 2,057 47,287,439

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.2     TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.6 3.6 29.5 63 3,460,000 72,602 3,887,957,980 220 11,740,267
2 48.2 4.7 47.7 104 5,475,250 62,587 3,367,638,863 215 11,472,365
3 48.8 4.6 47.5 110 5,742,763 57,296 3,095,888,410 226 12,091,205
4 54.5 4.7 53.7 133 7,041,403 54,145 2,937,692,325 245 13,115,799
5 53.9 4.6 54.4 140 7,620,752 51,221 2,790,039,957 260 14,004,008
6 52.7 4.5 52.3 137 7,328,353 45,827 2,498,691,247 260 14,011,700
7+ 55.9 2.6 56.0 454 24,565,189 109,836 5,988,628,965 813 43,843,913
Total 51.0 1.5 50.9 1,142 61,233,710 453,515 24,566,537,746 2,239 120,279,257
By Issue Age
20-24 41.8 13.9 41.7 9 487,500 26,341 1,431,229,040 22 1,168,405
25-29 67.3 9.6 68.0 49 2,702,527 61,112 3,335,708,361 73 3,976,984
30-34 53.9 6.2 52.6 76 4,066,570 77,045 4,215,666,295 141 7,731,479
35-39 56.2 4.7 57.2 143 7,989,304 85,326 4,665,626,981 255 13,965,889
40-44 50.9 3.5 50.6 214 11,517,746 85,210 4,603,701,356 421 22,746,593
45-49 51.4 3.1 51.7 273 14,717,603 66,034 3,535,638,647 531 28,452,338
50-54 47.6 3.2 46.2 219 11,308,133 36,262 1,922,812,096 460 24,450,996
55-59 49.7 4.5 50.3 123 6,571,327 12,916 683,453,932 247 13,070,210
60-64 35.7 6.9 36.0 27 1,438,000 2,893 152,837,298 76 3,995,143
65+ 59.1 20.9 60.3 8 435,000 376 19,863,741 14 721,221
Total 51.0 1.5 50.9 1,142 61,233,710 453,515 24,566,537,746 2,239 120,279,257
By Attained Age
20-24 28.7 20.3 26.5 2 100,000 10,549 570,890,678 7 376,966
25-29 63.5 13.0 67.1 24 1,374,027 40,975 2,221,500,994 38 2,048,263
30-34 65.3 8.5 64.3 59 3,163,870 65,809 3,585,746,222 90 4,919,295
35-39 46.3 5.5 45.6 72 3,875,973 75,144 4,110,553,544 156 8,496,221
40-44 49.3 4.3 49.4 130 7,103,252 79,810 4,348,361,454 264 14,381,183
45-49 52.2 3.5 52.4 220 11,920,212 77,818 4,215,468,815 420 22,749,635
50-54 49.8 3.2 49.7 246 13,125,616 56,772 3,037,487,685 494 26,429,725
55-59 52.8 3.5 52.2 222 11,684,683 30,781 1,638,086,672 420 22,382,749
60-64 50.1 4.5 50.0 122 6,463,077 12,217 646,091,446 244 12,925,545
65+ 42.8 6.4 43.5 45 2,423,000 3,639 192,350,237 105 5,569,676
Total 51.0 1.5 50.9 1,142 61,233,710 453,515 24,566,537,746 2,239 120,279,257

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.3     TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.8 3.4 23.9 54 5,995,000 82,436 9,394,913,362 219 25,098,756
2 57.0 4.9 57.4 133 15,402,200 79,310 9,036,089,802 234 26,812,604
3 60.4 4.8 61.2 156 18,111,000 78,245 8,922,496,580 258 29,608,379
4 51.9 4.3 51.2 147 16,620,000 75,985 8,666,250,951 284 32,488,469
5 60.2 4.5 60.8 180 20,844,785 71,732 8,191,920,320 299 34,300,633
6 54.0 4.2 52.0 162 17,952,417 64,479 7,377,612,936 301 34,520,055
7+ 56.8 2.5 57.5 505 58,762,137 143,302 16,428,401,186 890 102,225,296
Total 53.9 1.5 53.9 1,339 153,687,539 595,490 68,017,685,136 2,485 285,054,192
By Issue Age
20-24 70.9 14.8 65.7 23 2,375,000 39,539 4,414,818,888 32 3,614,504
25-29 56.7 7.0 54.6 65 7,035,880 94,999 10,665,633,839 115 12,882,650
30-34 55.8 4.9 57.6 129 15,217,000 125,072 14,277,033,383 232 26,436,212
35-39 58.6 4.0 59.4 214 24,998,137 123,876 14,258,363,123 365 42,055,012
40-44 56.9 3.4 57.0 288 33,407,750 102,436 11,849,506,809 506 58,558,972
45-49 51.3 3.1 51.6 271 31,288,700 64,579 7,414,211,336 528 60,654,045
50-54 50.7 3.5 50.6 214 24,606,705 31,847 3,659,294,254 422 48,598,116
55-59 47.3 4.7 45.2 102 11,058,367 10,804 1,218,464,983 216 24,475,901
60-64 47.8 9.0 48.3 28 3,200,000 2,040 228,489,776 59 6,619,070
65+ 46.8 20.9 43.1 5 500,000 296 31,868,744 11 1,159,711
Total 53.9 1.5 53.9 1,339 153,687,539 595,490 68,017,685,136 2,485 285,054,192
By Attained Age
20-24 61.6 25.2 59.5 6 650,000 14,706 1,651,113,925 10 1,092,421
25-29 54.5 10.0 52.2 30 3,205,000 59,994 6,698,835,622 55 6,139,907
30-34 58.9 6.5 58.6 81 9,090,880 101,200 11,425,475,479 138 15,524,440
35-39 50.4 4.5 50.6 124 14,270,000 120,640 13,799,070,684 247 28,175,307
40-44 59.9 4.0 61.4 220 26,044,052 113,012 13,045,253,125 368 42,430,009
45-49 55.8 3.4 55.8 269 31,024,335 89,427 10,338,123,811 482 55,645,894
50-54 53.5 3.3 52.8 263 29,970,700 55,858 6,431,788,553 492 56,808,402
55-59 47.2 3.5 47.7 184 21,358,905 27,578 3,148,728,434 391 44,784,488
60-64 54.3 5.0 53.3 120 13,422,667 10,404 1,180,325,599 221 25,190,682
65+ 49.8 7.8 50.2 41 4,651,000 2,671 298,969,904 82 9,262,643
Total 53.9 1.5 53.9 1,339 153,687,539 595,490 68,017,685,136 2,485 285,054,192

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.4     TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 42.6 10.3 33.8 17 5,037,500 12,635 4,604,254,576 40 14,917,390
2 43.3 10.2 46.9 18 7,161,667 11,665 4,185,339,493 42 15,282,051
3 48.0 10.4 53.8 21 8,628,349 10,907 3,900,360,392 44 16,036,569
4 64.7 11.8 66.1 30 11,125,000 10,267 3,646,965,816 46 16,825,443
5 65.8 11.8 54.1 31 9,150,000 9,317 3,273,067,992 47 16,898,867
6 68.5 12.1 78.4 32 13,160,000 8,317 2,912,718,885 47 16,788,983
7+ 64.2 7.0 59.2 85 27,870,000 18,606 6,467,035,160 133 47,102,012
Total 58.8 3.8 57.1 235 82,132,516 81,714 28,989,742,313 399 143,851,314
By Issue Age
20-24 50.1 50.1 41.8 1 250,000 2,591 779,822,898 2 598,799
25-29 91.2 32.2 124.7 8 3,560,000 7,537 2,449,762,703 9 2,854,490
30-34 65.3 15.4 67.0 18 6,360,000 15,400 5,340,348,078 28 9,495,264
35-39 49.7 9.4 49.4 28 9,835,000 19,822 7,057,283,278 56 19,907,336
40-44 65.2 8.7 52.8 56 16,655,849 17,699 6,540,718,842 86 31,555,186
45-49 42.6 6.9 43.7 38 14,436,667 10,958 4,031,348,430 90 33,017,536
50-54 59.4 9.2 59.5 42 15,435,000 5,236 1,907,520,886 71 25,942,778
55-59 82.7 14.2 85.1 34 12,450,000 1,973 702,329,939 41 14,622,944
60-64 56.1 19.8 55.1 8 2,900,000 452 166,744,247 14 5,261,774
65+ 50.5 50.5 42.0 1 250,000 46 13,863,014 2 595,206
Total 58.8 3.8 57.1 235 82,132,516 81,714 28,989,742,313 399 143,851,314
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,152 349,695,583 1 225,914
25-29 73.8 42.6 77.7 3 1,000,000 4,529 1,434,534,625 4 1,286,971
30-34 68.0 22.6 84.1 9 3,810,000 9,954 3,397,813,645 13 4,528,692
35-39 61.7 13.8 58.2 20 6,585,000 16,374 5,730,979,455 32 11,307,798
40-44 42.7 8.5 36.8 25 7,885,849 18,505 6,754,204,729 59 21,444,234
45-49 61.4 8.6 60.0 51 18,220,000 15,358 5,609,109,194 83 30,346,956
50-54 50.6 7.7 45.4 43 14,031,667 9,323 3,363,684,179 85 30,909,839
55-59 62.8 9.7 64.7 42 15,900,000 4,395 1,597,941,036 67 24,578,992
60-64 89.1 15.3 94.1 34 12,750,000 1,668 589,871,327 38 13,547,411
65+ 44.2 16.7 34.4 7 1,950,000 454 161,908,541 16 5,674,506
Total 58.8 3.8 57.1 235 82,132,516 81,714 28,989,742,313 399 143,851,314

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.5     MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.3 5.5 23.6 23 462,000 21,587 491,105,712 88 1,959,520
2 31.6 5.9 33.5 28 669,000 19,238 438,897,736 90 1,996,258
3 42.6 6.6 42.5 42 943,571 18,465 421,771,217 99 2,220,462
4 49.9 6.7 51.6 55 1,292,358 17,970 414,169,930 111 2,504,556
5 51.0 6.6 52.5 60 1,410,438 17,126 397,880,177 118 2,686,574
6 50.7 6.5 53.4 60 1,452,461 15,310 357,777,514 118 2,720,535
7+ 57.0 4.2 59.1 181 4,450,698 31,920 755,196,689 318 7,525,610
Total 47.8 2.3 49.4 450 10,680,526 141,615 3,276,798,974 941 21,613,516
By Issue Age
20-24 40.8 23.6 62.0 3 95,000 10,234 212,648,633 7 153,254
25-29 61.6 18.6 76.2 11 306,500 17,577 397,156,973 18 402,453
30-34 42.2 11.7 40.3 13 286,250 19,751 454,668,101 31 710,631
35-39 54.1 9.8 55.6 30 747,581 21,237 507,630,132 56 1,345,105
40-44 60.5 7.3 61.6 68 1,685,379 23,328 563,752,616 113 2,735,987
45-49 51.7 5.1 54.1 101 2,546,418 22,834 544,018,704 196 4,704,369
50-54 48.4 4.5 46.9 114 2,561,522 15,775 364,419,999 234 5,460,524
55-59 40.5 4.6 42.4 76 1,726,548 8,093 175,189,100 188 4,074,020
60+ 34.6 5.9 35.8 34 725,328 2,786 57,314,717 98 2,027,174
Total 47.8 2.3 49.4 450 10,680,526 141,615 3,276,798,974 941 21,613,516
By Attained Age
20-24 41.0 41.0 19.8 1 10,000 4,063 83,595,292 2 50,611
25-29 48.6 21.7 72.3 5 165,000 13,007 287,238,018 10 228,307
30-34 52.5 15.8 57.5 11 271,500 18,134 408,104,875 21 471,952
35-39 47.5 11.9 53.2 16 418,250 19,225 447,750,820 34 785,860
40-44 47.0 8.5 46.5 30 715,581 21,401 510,931,377 64 1,537,477
45-49 54.4 6.6 55.2 68 1,665,419 22,996 552,112,516 126 3,016,433
50-54 54.5 5.3 56.7 108 2,630,700 20,327 479,059,617 197 4,643,268
55-59 42.1 4.3 41.0 94 2,105,700 13,347 308,155,735 223 5,140,827
60-64 44.6 5.1 47.1 76 1,775,318 6,688 147,965,651 171 3,765,909
65+ 44.3 6.9 46.8 41 923,058 2,427 51,885,074 93 1,972,873
Total 47.8 2.3 49.4 450 10,680,526 141,615 3,276,798,974 941 21,613,516

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.6     MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.3 5.3 28.5 28 1,515,000 32,422 1,750,125,625 99 5,323,809
2 50.3 7.1 49.3 50 2,655,250 28,441 1,543,429,774 100 5,390,218
3 53.8 7.1 51.3 58 2,978,773 26,216 1,428,001,627 108 5,802,878
4 52.4 6.6 50.2 62 3,216,543 24,902 1,361,810,755 119 6,408,891
5 55.2 6.5 55.1 71 3,837,100 23,608 1,295,180,164 129 6,959,195
6 55.4 6.5 54.4 72 3,821,725 21,042 1,154,268,469 130 7,019,950
7+ 54.5 3.6 54.3 228 12,285,332 49,970 2,734,932,845 419 22,635,629
Total 51.6 2.2 50.9 570 30,309,723 206,602 11,267,749,261 1,103 59,540,571
By Issue Age
20-24 23.0 16.2 21.1 2 100,000 12,015 655,286,029 9 474,923
25-29 89.9 18.0 88.9 25 1,361,000 27,144 1,491,935,511 28 1,530,160
30-34 40.3 8.6 37.0 22 1,117,500 34,840 1,919,914,735 55 3,021,958
35-39 45.0 6.6 45.3 47 2,605,520 38,675 2,130,709,073 104 5,751,737
40-44 41.1 4.6 41.2 79 4,307,443 39,157 2,131,057,918 192 10,448,409
45-49 53.8 4.5 53.2 144 7,668,800 30,548 1,644,643,571 268 14,401,661
50-54 58.1 4.8 56.4 147 7,643,133 16,726 894,757,007 253 13,541,614
55-59 56.2 6.2 56.1 82 4,343,327 6,093 325,357,542 145 7,740,253
60-64 41.7 10.1 41.5 17 888,000 1,195 62,792,010 41 2,139,017
65+ 55.3 24.7 56.0 5 275,000 209 11,295,864 9 490,838
Total 51.6 2.2 50.9 570 30,309,723 206,602 11,267,749,261 1,103 59,540,571
By Attained Age
20-24 0.0 0.0 0.0 0 0 4,912 266,651,535 3 164,099
25-29 90.1 25.0 88.4 13 695,000 18,011 982,230,119 14 786,215
30-34 61.7 13.5 59.8 21 1,116,000 29,156 1,601,072,218 34 1,867,691
35-39 36.3 7.7 32.8 22 1,102,273 34,515 1,906,686,509 61 3,355,962
40-44 35.3 5.6 36.2 39 2,190,747 36,721 2,011,575,392 111 6,050,863
45-49 47.2 4.9 46.7 91 4,907,943 35,753 1,949,674,748 193 10,516,432
50-54 48.9 4.4 48.4 123 6,532,500 26,155 1,405,914,540 252 13,510,545
55-59 65.3 5.3 64.5 152 8,017,183 14,064 754,305,645 232 12,435,344
60-64 58.4 6.4 57.1 83 4,335,077 5,651 301,310,312 142 7,585,682
65+ 42.3 8.3 43.2 26 1,413,000 1,663 88,328,241 62 3,267,736
Total 51.6 2.2 50.9 570 30,309,723 206,602 11,267,749,261 1,103 59,540,571

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.7     MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.8 4.7 24.4 28 3,240,000 42,357 4,898,898,642 114 13,253,891
2 53.0 6.6 55.1 65 7,892,200 40,856 4,717,551,943 123 14,320,656
3 49.8 6.0 48.8 69 7,822,500 40,361 4,660,650,785 138 16,029,089
4 45.0 5.4 44.0 69 7,880,000 39,246 4,534,078,518 154 17,909,620
5 56.4 5.8 55.5 93 10,648,905 37,090 4,288,885,222 165 19,198,472
6 41.2 4.9 39.9 69 7,809,667 33,373 3,871,418,800 168 19,587,993
7+ 52.8 3.2 54.2 278 33,208,085 75,507 8,779,434,076 527 61,294,726
Total 48.4 1.9 48.6 672 78,501,357 308,789 35,750,917,987 1,388 161,594,446
By Issue Age
20-24 77.8 23.5 72.6 11 1,150,000 19,311 2,167,429,497 14 1,585,099
25-29 64.8 11.6 59.6 31 3,230,000 45,778 5,174,198,561 48 5,416,349
30-34 52.1 7.1 55.1 54 6,610,000 64,198 7,418,262,003 104 11,998,486
35-39 46.7 5.2 47.1 81 9,581,085 64,507 7,534,808,366 174 20,341,295
40-44 45.0 4.1 44.8 122 14,257,000 54,870 6,445,645,092 270 31,805,014
45-49 44.3 3.8 45.0 136 16,148,200 34,744 4,055,529,187 308 35,882,655
50-54 53.4 4.4 54.5 145 17,331,705 17,725 2,077,870,122 272 31,790,708
55-59 46.1 5.6 44.7 68 7,568,367 6,210 711,409,295 148 16,942,698
60-64 46.3 10.4 46.8 20 2,325,000 1,267 145,769,027 43 4,971,129
65+ 38.7 22.3 34.8 3 300,000 180 19,996,837 8 861,014
Total 48.4 1.9 48.6 672 78,501,357 308,789 35,750,917,987 1,388 161,594,446
By Attained Age
20-24 44.7 31.6 49.5 2 250,000 7,219 814,480,746 4 505,089
25-29 60.5 16.2 58.8 14 1,530,000 28,770 3,231,699,790 23 2,601,710
30-34 69.1 10.8 67.7 41 4,585,000 50,378 5,747,227,296 59 6,772,771
35-39 40.2 6.0 39.4 44 5,020,000 62,117 7,183,793,996 110 12,729,787
40-44 53.6 5.5 53.4 95 11,135,000 59,364 6,959,298,829 178 20,847,049
45-49 37.4 3.8 38.6 96 11,688,085 47,878 5,622,976,596 258 30,274,364
50-54 50.5 4.2 50.4 146 17,030,700 30,042 3,521,803,244 288 33,803,606
55-59 48.2 4.4 49.3 121 14,438,905 15,225 1,773,227,750 252 29,291,180
60-64 51.6 5.8 51.6 80 9,222,667 6,144 708,611,429 155 17,871,635
65+ 52.8 9.3 52.2 32 3,601,000 1,653 187,798,313 61 6,897,256
Total 48.4 1.9 48.6 672 78,501,357 308,789 35,750,917,987 1,388 161,594,446

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.8     MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 39.8 12.0 33.1 11 3,537,500 8,481 3,207,822,783 28 10,671,371
2 51.1 13.2 50.9 15 5,651,667 7,868 2,922,628,783 29 11,107,628
3 45.2 12.0 44.6 14 5,268,349 7,374 2,736,681,993 31 11,810,411
4 60.1 13.4 62.9 20 7,875,000 6,988 2,572,541,666 33 12,510,284
5 52.6 12.4 43.5 18 5,525,000 6,377 2,319,695,717 34 12,697,946
6 52.1 12.3 55.9 18 7,180,000 5,765 2,093,388,111 35 12,850,439
7+ 68.2 8.2 62.5 69 23,210,000 13,137 4,731,494,230 101 37,127,959
Total 56.6 4.4 53.5 165 58,247,516 55,990 20,584,253,282 292 108,776,037
By Issue Age
20-24 88.5 88.5 71.7 1 250,000 1,574 485,579,572 1 348,557
25-29 83.7 41.8 75.7 4 1,200,000 4,532 1,504,571,823 5 1,584,323
30-34 78.3 21.7 85.3 13 5,110,000 10,148 3,651,572,415 17 5,989,335
35-39 51.8 11.9 49.7 19 6,660,000 13,636 5,005,403,139 37 13,410,899
40-44 64.2 10.3 50.9 39 11,765,849 12,548 4,802,829,189 61 23,121,755
45-49 40.4 7.8 40.3 27 10,386,667 7,848 3,021,658,840 67 25,802,804
50-54 49.8 9.4 50.9 28 10,725,000 3,821 1,427,327,505 56 21,062,043
55-59 74.9 15.0 74.5 25 9,000,000 1,455 529,928,464 33 12,088,099
60-64 61.3 21.7 60.3 8 2,900,000 386 142,769,320 13 4,811,725
65+ 54.8 54.8 44.9 1 250,000 41 12,613,014 2 556,497
Total 56.6 4.4 53.5 165 58,247,516 55,990 20,584,253,282 292 108,776,037
By Attained Age
20-24 0.0 0.0 0.0 0 0 669 209,717,315 0 128,897
25-29 90.8 64.2 90.5 2 650,000 2,705 879,672,942 2 717,980
30-34 79.4 32.4 67.5 6 1,800,000 6,260 2,202,981,059 8 2,668,409
35-39 50.8 16.0 56.8 10 4,060,000 10,973 3,972,124,017 20 7,153,975
40-44 51.8 11.5 40.1 20 5,875,849 12,875 4,847,647,519 39 14,654,365
45-49 58.8 9.9 55.5 35 12,540,000 10,998 4,173,877,950 60 22,597,940
50-54 48.9 8.8 44.4 31 10,621,667 6,615 2,478,227,558 64 23,902,858
55-59 48.0 9.4 47.4 26 9,700,000 3,280 1,233,616,326 54 20,453,784
60-64 92.4 17.2 100.3 29 11,350,000 1,236 447,777,422 31 11,320,763
65+ 42.1 17.2 31.9 6 1,650,000 380 138,611,175 14 5,177,064
Total 56.6 4.4 53.5 165 58,247,516 55,990 20,584,253,282 292 108,776,037

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.9     FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.8 4.1 20.1 25 543,100 30,914 703,638,901 121 2,702,965
2 50.9 6.5 53.8 61 1,440,603 27,442 627,613,168 120 2,677,239
3 56.8 6.7 58.2 71 1,638,300 25,801 591,651,962 126 2,815,471
4 54.3 6.4 52.4 73 1,598,751 24,973 577,751,622 135 3,049,514
5 53.7 6.2 54.6 75 1,747,492 23,781 555,469,111 140 3,199,906
6 69.0 7.1 73.1 95 2,330,536 21,438 504,475,052 138 3,189,670
7+ 57.7 4.1 56.8 194 4,568,392 42,917 1,029,644,418 336 8,039,158
Total 53.3 2.2 54.0 595 13,867,174 197,267 4,590,244,235 1,116 25,673,923
By Issue Age
20-24 90.1 27.2 101.3 11 260,000 13,627 286,100,520 12 256,788
25-29 57.5 13.6 49.8 18 350,000 23,618 531,693,658 31 702,969
30-34 73.7 11.8 82.0 39 1,018,200 26,136 611,487,224 53 1,241,190
35-39 51.0 7.5 56.3 46 1,237,000 28,432 690,239,063 90 2,198,275
40-44 59.3 6.1 62.9 94 2,433,408 32,371 788,432,595 159 3,869,768
45-49 55.1 4.8 51.7 130 2,965,682 32,393 780,783,682 236 5,734,893
50-54 53.3 4.7 53.3 130 3,040,403 23,221 539,809,783 244 5,705,345
55-59 48.3 5.1 45.6 89 1,796,608 12,585 267,061,181 185 3,942,062
60+ 35.5 5.8 37.9 37 765,873 4,885 94,636,529 104 2,022,634
Total 53.3 2.2 54.0 595 13,867,174 197,267 4,590,244,235 1,116 25,673,923
By Attained Age
20-24 139.2 62.2 166.9 5 125,000 5,188 107,604,246 4 74,873
25-29 60.5 18.2 53.7 11 215,000 17,928 393,765,267 18 400,035
30-34 45.6 11.1 42.9 17 365,000 24,352 555,657,298 37 850,628
35-39 62.4 10.1 72.5 38 1,044,200 26,113 615,542,078 61 1,440,237
40-44 59.9 7.7 62.0 61 1,531,331 28,386 688,818,530 102 2,471,081
45-49 51.4 5.4 53.8 90 2,267,019 32,109 772,559,428 176 4,217,450
50-54 59.1 5.1 58.9 136 3,230,048 28,730 685,813,755 230 5,486,169
55-59 54.9 4.9 52.5 126 2,776,572 20,042 462,441,840 230 5,283,924
60-64 43.9 5.2 40.8 72 1,454,296 10,349 225,200,058 165 3,562,261
65+ 40.7 6.6 45.5 38 858,708 4,070 82,841,736 93 1,887,265
Total 53.3 2.2 54.0 595 13,867,174 197,267 4,590,244,235 1,116 25,673,923

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.10     FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.9 4.9 30.3 35 1,945,000 40,179 2,137,832,354 121 6,416,458
2 46.4 6.4 46.4 53 2,820,000 34,146 1,824,209,089 115 6,082,147
3 44.2 6.1 44.0 52 2,763,990 31,080 1,667,886,782 118 6,288,327
4 56.5 6.7 57.0 71 3,824,860 29,243 1,575,881,569 126 6,706,907
5 52.7 6.3 53.7 69 3,783,652 27,614 1,494,859,792 131 7,044,814
6 50.1 6.2 50.2 65 3,506,628 24,785 1,344,422,778 130 6,991,750
7+ 57.3 3.8 57.9 226 12,279,857 59,866 3,253,696,119 395 21,208,283
Total 50.4 2.1 50.9 572 30,923,987 246,912 13,298,788,486 1,136 60,738,686
By Issue Age
20-24 54.7 20.7 55.9 7 387,500 14,326 775,943,011 13 693,482
25-29 53.4 10.9 54.8 24 1,341,527 33,968 1,843,772,850 45 2,446,824
30-34 62.5 8.5 62.6 54 2,949,070 42,206 2,295,751,560 86 4,709,520
35-39 63.8 6.5 65.5 96 5,383,784 46,651 2,534,917,908 151 8,214,151
40-44 59.2 5.1 58.6 135 7,210,303 46,053 2,472,643,438 229 12,298,184
45-49 49.0 4.3 50.2 129 7,048,803 35,486 1,890,995,075 264 14,050,677
50-54 34.8 4.1 33.6 72 3,665,000 19,535 1,028,055,089 207 10,909,382
55-59 40.5 6.3 41.8 41 2,228,000 6,822 358,096,390 102 5,329,957
60+ 32.9 9.1 34.0 13 710,000 1,865 98,613,165 39 2,086,509
Total 50.4 2.1 50.9 572 30,923,987 246,912 13,298,788,486 1,136 60,738,686
By Attained Age
20-24 50.7 35.8 47.0 2 100,000 5,637 304,239,142 4 212,867
25-29 47.0 14.2 53.8 11 679,027 22,964 1,239,270,874 23 1,262,048
30-34 67.4 10.9 67.1 38 2,047,870 36,653 1,984,674,003 56 3,051,603
35-39 52.7 7.5 54.0 50 2,773,700 40,628 2,203,867,035 95 5,140,259
40-44 59.4 6.2 59.0 91 4,912,505 43,090 2,336,786,062 154 8,330,320
45-49 56.5 5.0 57.3 128 7,012,269 42,065 2,265,794,067 227 12,233,202
50-54 50.7 4.6 51.0 123 6,593,116 30,617 1,631,573,145 243 12,919,180
55-59 37.3 4.5 36.9 70 3,667,500 16,717 883,781,026 188 9,947,405
60-64 38.4 6.1 39.9 39 2,128,000 6,566 344,781,134 102 5,339,862
65+ 43.5 10.0 43.9 19 1,010,000 1,975 104,021,995 44 2,301,940
Total 50.4 2.1 50.9 572 30,923,987 246,912 13,298,788,486 1,136 60,738,686

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.11     FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.8 4.9 23.3 26 2,755,000 40,079 4,496,014,720 105 11,844,865
2 61.3 7.4 60.1 68 7,510,000 38,454 4,318,537,859 111 12,491,948
3 72.4 7.7 75.8 87 10,288,500 37,883 4,261,845,794 121 13,579,290
4 60.1 6.8 59.9 78 8,740,000 36,739 4,132,172,432 130 14,578,849
5 64.9 7.0 67.5 87 10,195,880 34,642 3,903,035,097 134 15,102,161
6 70.2 7.3 67.9 93 10,142,750 31,106 3,506,194,136 133 14,932,061
7+ 62.5 4.1 62.4 227 25,554,052 67,796 7,648,967,110 363 40,930,570
Total 60.8 2.4 60.9 667 75,186,182 286,700 32,266,767,149 1,097 123,459,746
By Issue Age
20-24 65.6 19.0 60.4 12 1,225,000 20,228 2,247,389,391 18 2,029,405
25-29 50.9 8.7 51.0 34 3,805,880 49,221 5,491,435,278 67 7,466,301
30-34 58.7 6.8 59.6 75 8,607,000 60,874 6,858,771,380 128 14,437,726
35-39 69.4 6.0 71.0 133 15,417,052 59,369 6,723,554,758 192 21,713,717
40-44 70.5 5.5 71.6 166 19,150,750 47,566 5,403,861,717 235 26,753,958
45-49 61.0 5.3 61.1 134 15,140,500 29,835 3,358,682,149 220 24,771,390
50-54 45.6 5.5 43.3 68 7,275,000 14,123 1,581,424,132 150 16,807,409
55-59 49.9 8.6 46.3 34 3,490,000 4,594 507,055,688 68 7,533,202
60-64 51.9 18.3 53.1 8 875,000 774 82,720,749 15 1,647,941
65+ 68.3 48.3 67.0 2 200,000 116 11,871,907 3 298,697
Total 60.8 2.4 60.9 667 75,186,182 286,700 32,266,767,149 1,097 123,459,746
By Attained Age
20-24 76.1 38.0 68.1 4 400,000 7,487 836,633,180 5 587,332
25-29 50.2 12.6 47.3 16 1,675,000 31,223 3,467,135,832 32 3,538,197
30-34 51.1 8.1 51.5 40 4,505,880 50,822 5,678,248,183 78 8,751,669
35-39 58.6 6.6 59.9 80 9,250,000 58,523 6,615,276,688 137 15,445,520
40-44 65.7 5.9 69.1 125 14,909,052 53,649 6,085,954,297 190 21,582,960
45-49 77.0 5.9 76.2 172 19,336,250 41,549 4,715,147,215 224 25,371,530
50-54 57.7 5.3 56.2 118 12,940,000 25,816 2,909,985,309 204 23,004,796
55-59 45.3 5.7 44.7 63 6,920,000 12,353 1,375,500,685 139 15,493,308
60-64 60.5 9.6 57.4 40 4,200,000 4,260 471,714,170 66 7,319,048
65+ 41.4 13.8 44.4 9 1,050,000 1,018 111,171,591 22 2,365,387
Total 60.8 2.4 60.9 667 75,186,182 286,700 32,266,767,149 1,097 123,459,746

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.12     FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 49.0 20.0 35.3 6 1,500,000 4,154 1,396,431,793 12 4,246,019
2 24.6 14.1 36.2 3 1,510,000 3,797 1,262,710,710 12 4,174,423
3 55.1 20.8 79.5 7 3,360,000 3,533 1,163,678,398 13 4,226,158
4 76.6 24.2 75.3 10 3,250,000 3,279 1,074,424,151 13 4,315,158
5 101.1 28.0 86.3 13 3,625,000 2,939 953,372,275 13 4,200,921
6 115.0 30.7 151.8 14 5,980,000 2,553 819,330,774 12 3,938,545
7+ 51.2 12.8 46.7 16 4,660,000 5,468 1,735,540,930 31 9,974,053
Total 64.7 7.8 68.1 69 23,885,000 25,724 8,405,489,031 107 35,075,277
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,017 294,243,327 1 250,241
25-29 100.2 49.9 185.8 4 2,360,000 3,005 945,190,880 4 1,270,168
30-34 45.6 20.4 35.7 5 1,250,000 5,252 1,688,775,662 11 3,505,929
35-39 45.9 15.3 48.9 9 3,175,000 6,186 2,051,880,139 20 6,496,437
40-44 67.5 16.4 58.0 17 4,890,000 5,151 1,737,889,652 25 8,433,432
45-49 49.0 14.8 56.1 11 4,050,000 3,110 1,009,689,590 22 7,214,732
50-54 97.0 25.9 96.5 14 4,710,000 1,415 480,193,380 14 4,880,735
55-59 116.8 38.9 136.1 9 3,450,000 518 172,401,474 8 2,534,845
60+ 0.0 0.0 0.0 0 0 71 25,224,927 1 488,758
Total 64.7 7.8 68.1 69 23,885,000 25,724 8,405,489,031 107 35,075,277
By Attained Age
20-24 0.0 0.0 0.0 0 0 482 139,978,268 0 97,017
25-29 53.6 53.6 61.5 1 350,000 1,824 554,861,683 2 568,991
30-34 52.9 30.3 108.0 3 2,010,000 3,694 1,194,832,586 6 1,860,282
35-39 78.5 24.8 60.8 10 2,525,000 5,402 1,758,855,438 13 4,153,823
40-44 25.1 11.2 29.6 5 2,010,000 5,631 1,906,557,210 20 6,789,869
45-49 68.0 17.0 73.3 16 5,680,000 4,361 1,435,231,244 24 7,749,016
50-54 55.9 16.1 48.7 12 3,410,000 2,708 885,456,621 21 7,006,981
55-59 127.1 31.8 150.3 16 6,200,000 1,115 364,324,710 13 4,125,208
60-64 73.9 33.1 62.9 5 1,400,000 432 142,093,905 7 2,226,648
65+ 62.7 62.7 60.3 1 300,000 75 23,297,365 2 497,442
Total 64.7 7.8 68.1 69 23,885,000 25,724 8,405,489,031 107 35,075,277

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.13     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 54.9 13.7 43.0 16 254,000 9,150 191,513,151 29 591,271
2 48.1 12.8 56.9 14 335,133 8,084 169,365,301 29 588,582
3 101.2 17.8 109.7 32 709,008 7,774 164,124,854 32 646,372
4 65.2 13.9 73.2 22 505,755 7,440 158,487,545 34 690,912
5 70.2 14.3 77.8 24 550,000 7,001 150,475,151 34 706,910
6 79.0 15.5 83.3 26 571,500 6,175 133,900,818 33 686,254
7+ 91.1 10.8 96.3 71 1,605,498 11,896 260,997,006 78 1,667,806
Total 76.3 5.3 81.2 205 4,530,894 57,521 1,228,863,826 269 5,578,106
By Issue Age
20-24 131.4 53.6 163.2 6 150,000 5,656 113,887,069 5 91,885
25-29 50.2 22.4 53.4 5 115,000 8,622 186,714,814 10 215,188
30-34 79.3 22.9 90.9 12 301,250 8,423 183,686,459 15 331,377
35-39 87.1 18.2 99.6 23 610,000 8,956 206,501,777 26 612,665
40-44 77.5 12.6 86.6 38 937,000 10,177 224,803,140 49 1,081,396
45-49 89.3 11.5 92.1 60 1,284,241 8,832 182,105,641 68 1,394,482
50-54 67.8 11.0 65.3 38 723,403 4,727 92,520,556 56 1,106,983
55-59 50.3 13.0 43.8 15 240,000 1,707 31,072,694 30 547,480
60-64 73.9 27.9 84.2 7 145,000 394 6,983,581 9 172,236
65+ 92.3 92.3 102.4 1 25,000 27 588,095 1 24,413
Total 76.3 5.3 81.2 205 4,530,894 57,521 1,228,863,826 269 5,578,106
By Attained Age
20-24 140.4 99.3 173.5 2 50,000 2,204 44,351,293 1 28,823
25-29 48.8 28.2 58.4 3 75,000 6,862 143,728,899 6 128,530
30-34 79.6 26.5 80.8 9 195,000 8,482 181,455,535 11 241,398
35-39 92.0 23.7 117.1 15 425,250 7,951 176,871,885 16 363,278
40-44 74.4 15.5 82.5 23 581,000 9,328 213,285,517 31 704,574
45-49 80.8 12.3 84.8 43 972,508 9,862 212,032,931 54 1,146,381
50-54 76.7 10.8 81.2 50 1,085,866 7,527 154,846,448 65 1,337,852
55-59 78.8 12.6 75.1 39 731,270 3,671 71,960,040 50 973,440
60-64 58.0 15.0 55.2 15 270,000 1,307 24,418,069 26 489,416
65+ 67.9 27.7 88.2 6 145,000 328 5,913,209 9 164,415
Total 76.3 5.3 81.2 205 4,530,894 57,521 1,228,863,826 269 5,578,106

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.14     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 51.0 17.0 53.7 9 505,000 8,105 433,084,590 18 940,890
2 73.2 21.0 68.5 12 610,000 6,787 365,225,053 17 890,865
3 76.6 21.3 79.8 13 726,000 6,107 330,043,980 17 909,750
4 68.4 19.7 73.0 12 687,870 5,598 303,458,888 18 942,332
5 49.8 16.6 49.3 9 478,725 5,099 276,584,214 18 970,756
6 105.0 24.1 104.5 19 1,014,128 4,551 246,887,605 18 970,888
7+ 95.2 12.5 98.3 58 3,187,396 10,692 576,856,606 61 3,241,196
Total 79.7 6.9 81.3 132 7,209,119 46,940 2,532,140,935 166 8,866,678
By Issue Age
20-34 68.6 15.0 71.2 21 1,192,870 23,104 1,261,527,290 31 1,675,404
35-39 75.1 16.4 75.0 21 1,120,649 9,535 510,529,382 28 1,494,630
40-44 81.6 14.9 84.9 30 1,670,000 7,560 403,042,681 37 1,967,469
45-49 99.8 16.9 101.8 35 1,896,000 4,409 233,916,976 35 1,862,401
50-54 78.1 18.4 80.3 18 980,000 1,779 94,071,694 23 1,220,089
55+ 56.8 21.5 54.1 7 349,600 553 29,052,911 12 646,684
Total 79.7 6.9 81.3 132 7,209,119 46,940 2,532,140,935 166 8,866,678
By Attained Age
20-39 69.2 13.8 70.4 25 1,382,870 26,092 1,419,407,579 36 1,964,801
40-44 63.2 15.3 64.6 17 928,253 8,339 446,720,379 27 1,437,712
45-49 95.9 16.4 99.2 34 1,888,396 6,705 358,002,465 36 1,903,122
50-54 79.9 16.0 81.7 25 1,365,000 3,616 192,991,996 31 1,670,146
55-59 104.4 22.2 102.5 22 1,140,000 1,542 81,209,081 21 1,111,943
60+ 60.4 20.1 64.8 9 504,600 646 33,809,435 15 778,953
Total 79.7 6.9 81.3 132 7,209,119 46,940 2,532,140,935 166 8,866,678

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.15     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.0 16.8 30.3 4 410,000 6,150 687,951,105 12 1,354,983
2 95.6 27.6 107.6 12 1,500,000 5,724 635,038,247 13 1,393,880
3 74.3 23.5 73.6 10 1,100,000 5,443 601,715,002 13 1,494,540
4 42.4 17.3 41.1 6 650,000 5,076 560,965,359 14 1,580,906
5 116.8 28.3 121.4 17 1,970,880 4,623 510,860,452 15 1,623,734
6 99.1 26.4 98.3 14 1,560,000 4,058 449,179,621 14 1,586,746
7+ 77.2 14.1 79.5 30 3,466,085 8,225 915,430,580 39 4,358,418
Total 77.7 8.1 79.6 93 10,656,965 39,301 4,361,140,364 120 13,393,207
By Issue Age
20-34 69.3 15.5 74.2 20 2,355,880 22,235 2,441,659,661 29 3,174,598
35-39 86.0 20.3 79.0 18 1,866,085 7,448 839,563,908 21 2,362,357
40-44 61.5 15.4 64.5 16 1,875,000 5,393 601,985,079 26 2,905,067
45-49 134.2 24.5 142.2 30 3,640,000 2,763 316,294,254 22 2,559,810
50-54 26.7 13.4 24.0 4 400,000 1,158 128,864,836 15 1,667,183
55-59 80.5 39.3 74.8 4 420,000 248 26,827,558 5 561,691
60+ 64.7 64.7 61.5 1 100,000 56 5,945,068 2 162,500
Total 77.7 8.1 79.6 93 10,656,965 39,301 4,361,140,364 120 13,393,207
By Attained Age
20-34 89.7 22.4 100.1 16 1,955,880 16,752 1,835,132,090 18 1,954,713
35-39 38.9 15.9 34.9 6 600,000 7,902 881,335,169 15 1,720,704
40-44 67.9 18.2 63.1 14 1,450,000 6,499 725,535,279 21 2,298,866
45-49 115.6 21.8 119.9 28 3,281,085 4,546 513,851,325 24 2,737,529
50-54 87.1 20.5 91.1 18 2,150,000 2,329 265,368,758 21 2,359,430
55-59 52.0 19.5 53.5 7 810,000 955 105,302,923 14 1,513,381
60-64 34.8 24.0 31.7 2 210,000 272 29,908,791 6 661,434
65+ 139.1 98.3 135.9 2 200,000 46 4,706,027 1 147,150
Total 77.7 8.1 79.6 93 10,656,965 39,301 4,361,140,364 120 13,393,207

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.16     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 179.7 103.7 160.0 3 1,000,000 623 223,907,890 2 625,070
2 64.7 64.7 46.0 1 250,000 521 179,664,971 2 543,600
3 62.3 62.3 63.7 1 350,000 469 156,927,073 2 549,461
4 127.5 90.1 93.1 2 500,000 415 135,922,856 2 537,159
5 206.3 119.1 150.5 3 750,000 360 117,096,953 1 498,414
6 0.0 0.0 0.0 0 0 339 113,092,605 2 536,875
7+ 41.9 29.7 40.6 2 650,000 848 280,887,712 5 1,601,670
Total 84.7 24.5 71.5 12 3,500,000 3,574 1,207,500,060 14 4,892,249
By Issue Age
20-24 0.0 0.0 0.0 0 0 172 51,997,769 0 39,607
25-29 184.7 184.7 209.3 1 350,000 500 153,509,148 1 167,240
30-34 208.1 120.2 185.5 3 900,000 820 276,775,585 1 485,168
35-39 84.1 59.5 64.3 2 500,000 803 266,160,797 2 777,241
40-44 97.8 56.5 64.6 3 750,000 644 241,397,448 3 1,160,720
45-49 82.6 47.7 82.3 3 1,000,000 449 153,559,989 4 1,214,504
50-54 0.0 0.0 0.0 0 0 116 39,913,193 2 551,624
55+ 0.0 0.0 0.0 0 0 68 24,186,131 1 496,144
Total 84.7 24.5 71.5 12 3,500,000 3,574 1,207,500,060 14 4,892,249
By Attained Age
20-24 0.0 0.0 0.0 0 0 73 21,493,249 0 13,475
25-29 344.6 344.6 396.6 1 350,000 338 103,278,428 0 88,257
30-34 0.0 0.0 0.0 0 0 560 180,962,626 1 230,058
35-39 144.5 102.2 108.3 2 500,000 723 243,300,321 1 461,571
40-44 213.1 95.3 167.8 5 1,400,000 749 265,786,879 2 834,422
45-49 115.8 57.9 103.4 4 1,250,000 644 223,358,969 3 1,208,497
50-54 0.0 0.0 0.0 0 0 318 112,202,213 3 1,017,211
55-59 0.0 0.0 0.0 0 0 112 37,955,216 2 597,455
60+ 0.0 0.0 0.0 0 0 56 19,162,158 1 441,303
Total 84.7 24.5 71.5 12 3,500,000 3,574 1,207,500,060 14 4,892,249

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.17     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 87.5 25.1 68.9 12 196,000 4,571 97,836,835 14 284,651
2 43.5 17.6 55.6 6 160,000 3,996 85,705,441 14 287,940
3 110.0 26.6 117.4 17 378,008 3,758 80,724,678 16 322,064
4 49.6 17.5 64.0 8 215,000 3,482 75,407,468 16 335,684
5 49.1 17.4 61.3 8 210,000 3,252 70,928,720 16 342,322
6 63.9 20.2 70.1 10 231,500 2,824 61,867,655 16 330,265
7+ 81.8 14.7 91.7 31 749,765 5,477 120,081,538 38 817,745
Total 71.4 7.4 78.7 92 2,140,273 27,360 592,552,335 129 2,720,671
By Issue Age
20-24 0.0 0.0 0.0 0 0 2,782 56,823,946 2 41,150
25-29 44.8 31.7 56.2 2 55,000 4,474 98,529,552 4 97,844
30-34 63.2 31.6 83.4 4 116,250 4,119 90,260,314 6 139,319
35-39 108.7 31.4 116.9 12 298,000 4,185 96,171,175 11 254,973
40-44 87.2 19.5 96.1 20 495,000 4,863 109,377,267 23 515,304
45-49 79.7 15.6 96.1 26 655,508 3,989 82,739,310 33 681,970
50-54 57.2 13.8 50.5 17 305,515 2,144 43,078,311 30 605,023
55-59 47.6 18.0 45.8 7 130,000 650 12,563,182 15 283,893
60-64 72.5 41.9 75.6 3 60,000 131 2,506,183 4 79,363
65+ 103.3 103.3 114.5 1 25,000 23 503,095 1 21,833
Total 71.4 7.4 78.7 92 2,140,273 27,360 592,552,335 129 2,720,671
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,089 22,395,876 1 13,544
25-29 0.0 0.0 0.0 0 0 3,525 75,789,013 3 60,236
30-34 81.8 40.9 99.9 4 105,000 4,271 91,936,618 5 105,103
35-39 104.6 39.6 132.8 7 198,250 3,833 85,249,811 7 149,234
40-44 82.6 24.9 83.8 11 256,000 4,417 101,518,517 13 305,455
45-49 93.1 19.3 107.3 23 582,508 4,599 100,643,591 25 542,801
50-54 64.2 14.0 70.8 21 477,000 3,436 70,766,942 33 673,536
55-59 67.8 16.4 61.2 17 311,515 1,522 30,895,758 25 508,964
60-64 35.4 15.8 38.7 5 110,000 560 11,308,299 14 284,237
65+ 100.3 50.2 128.9 4 100,000 107 2,047,910 4 77,562
Total 71.4 7.4 78.7 92 2,140,273 27,360 592,552,335 129 2,720,671

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.18     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 41.5 20.7 36.8 4 190,000 4,744 254,454,726 10 516,137
2 98.7 32.9 92.1 9 450,000 3,937 212,890,294 9 488,604
3 97.3 32.4 100.6 9 501,000 3,487 189,545,470 9 497,864
4 72.7 27.5 73.3 7 380,000 3,173 172,744,309 10 518,710
5 40.3 20.1 35.5 4 189,600 2,841 154,696,220 10 534,823
6 69.6 26.3 69.3 7 375,000 2,520 137,212,760 10 540,956
7+ 97.2 16.7 101.7 34 1,895,000 5,796 314,254,883 35 1,863,831
Total 79.9 9.3 80.2 74 3,980,600 26,497 1,435,798,663 93 4,960,924
By Issue Age
20-34 71.5 21.5 71.2 11 605,000 13,172 724,151,445 15 849,299
35-39 68.2 21.6 62.2 10 490,000 5,468 293,947,282 15 787,157
40-44 89.1 21.0 92.2 18 990,000 4,218 223,994,298 20 1,073,238
45-49 89.0 21.0 91.4 18 976,000 2,399 126,988,132 20 1,067,653
50-54 91.3 25.3 95.4 13 730,000 952 51,285,152 14 764,842
55+ 50.7 25.4 45.3 4 189,600 288 15,432,354 8 418,735
Total 79.9 9.3 80.2 74 3,980,600 26,497 1,435,798,663 93 4,960,924
By Attained Age
20-39 65.0 18.8 61.3 12 620,000 14,992 821,071,575 18 1,011,086
40-44 63.9 21.3 63.2 9 475,000 4,727 252,945,157 14 751,094
45-49 101.7 22.7 107.2 20 1,126,000 3,715 198,423,397 20 1,050,275
50-54 82.0 21.2 80.8 15 790,000 1,953 104,444,978 18 977,651
55-59 96.2 27.8 94.4 12 625,000 769 40,804,301 12 662,423
60+ 62.2 25.4 67.8 6 344,600 342 18,109,255 10 508,395
Total 79.9 9.3 80.2 74 3,980,600 26,497 1,435,798,663 93 4,960,924

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.19     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.6 19.7 25.1 2 210,000 3,989 450,418,105 7 837,202
2 117.2 39.1 133.1 9 1,150,000 3,656 409,369,480 8 864,133
3 83.9 31.7 74.6 7 700,000 3,483 387,955,833 8 938,092
4 57.1 25.5 55.5 5 550,000 3,230 360,085,661 9 991,752
5 122.3 36.9 120.7 11 1,225,000 2,907 323,745,218 9 1,014,647
6 78.4 29.4 79.2 7 810,000 2,578 288,267,588 9 1,022,284
7+ 93.4 19.1 95.0 24 2,766,085 5,229 589,019,606 26 2,911,481
Total 85.9 10.6 86.4 65 7,411,085 25,072 2,808,861,491 76 8,579,591
By Issue Age
20-34 70.8 20.4 69.1 12 1,300,000 14,231 1,574,289,183 17 1,881,320
35-39 102.6 28.5 91.2 13 1,316,085 4,863 552,204,794 13 1,443,411
40-44 62.2 19.7 70.1 10 1,275,000 3,357 379,452,164 16 1,817,826
45-49 141.8 30.9 149.9 21 2,600,000 1,728 203,070,882 15 1,734,577
50-54 39.5 19.8 35.0 4 400,000 687 77,748,144 10 1,143,512
55-59 102.9 50.2 96.6 4 420,000 169 18,051,257 4 434,705
60+ 86.0 86.0 80.5 1 100,000 37 4,045,068 1 124,242
Total 85.9 10.6 86.4 65 7,411,085 25,072 2,808,861,491 76 8,579,591
By Attained Age
20-34 96.8 30.6 96.3 10 1,100,000 10,588 1,168,084,742 10 1,142,702
35-39 53.9 24.1 48.0 5 500,000 5,269 590,834,673 9 1,041,232
40-44 73.5 24.5 65.2 9 900,000 4,130 465,528,275 12 1,379,560
45-49 110.6 26.8 120.6 17 2,141,085 2,893 334,170,445 15 1,775,656
50-54 98.4 27.3 101.2 13 1,550,000 1,386 160,526,464 13 1,531,170
55-59 74.4 27.9 75.5 7 810,000 585 65,676,160 10 1,072,798
60-64 44.1 30.5 40.4 2 210,000 190 20,734,704 5 519,217
65+ 175.6 124.2 170.6 2 200,000 32 3,306,027 1 117,255
Total 85.9 10.6 86.4 65 7,411,085 25,072 2,808,861,491 76 8,579,591

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.20     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 227.8 131.5 197.7 3 1,000,000 496 182,438,933 1 505,690
2 83.2 83.2 58.1 1 250,000 410 144,438,383 1 430,152
3 0.0 0.0 0.0 0 0 357 122,387,588 1 425,970
4 84.9 84.9 61.4 1 250,000 305 100,940,168 1 407,108
5 184.8 130.7 130.3 2 500,000 265 88,716,871 1 383,621
6 0.0 0.0 0.0 0 0 252 86,350,105 1 415,764
7+ 53.6 37.9 50.7 2 650,000 644 218,432,775 4 1,281,663
Total 82.5 27.5 68.8 9 2,650,000 2,731 943,704,822 11 3,849,968
By Issue Age
20-24 0.0 0.0 0.0 0 0 129 39,461,724 0 28,080
25-29 0.0 0.0 0.0 0 0 379 115,830,103 0 118,732
30-34 194.9 137.8 178.6 2 650,000 628 220,739,303 1 363,866
35-39 110.6 78.2 82.0 2 500,000 630 214,030,876 2 609,920
40-44 129.6 74.8 83.4 3 750,000 492 188,399,203 2 899,206
45-49 69.8 49.4 77.0 2 750,000 334 117,259,185 3 973,750
50-54 0.0 0.0 0.0 0 0 86 30,600,352 1 458,065
55+ 0.0 0.0 0.0 0 0 51 17,384,076 1 398,349
Total 82.5 27.5 68.8 9 2,650,000 2,731 943,704,822 11 3,849,968
By Attained Age
20-24 0.0 0.0 0.0 0 0 59 17,684,327 0 10,754
25-29 0.0 0.0 0.0 0 0 251 77,445,428 0 61,842
30-34 0.0 0.0 0.0 0 0 441 143,164,460 1 172,797
35-39 102.2 102.2 73.5 1 250,000 550 191,500,191 1 340,309
40-44 285.0 127.4 217.6 5 1,400,000 580 211,469,488 2 643,301
45-49 118.2 68.2 109.1 3 1,000,000 474 169,841,957 3 916,371
50-54 0.0 0.0 0.0 0 0 246 87,783,651 2 827,387
55-59 0.0 0.0 0.0 0 0 86 29,903,161 1 502,120
60+ 0.0 0.0 0.0 0 0 44 14,912,158 1 375,086
Total 82.5 27.5 68.8 9 2,650,000 2,731 943,704,822 11 3,849,968

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.21     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.8 12.9 18.9 4 58,000 4,578 93,676,316 16 306,620
2 52.4 18.5 58.3 8 175,133 4,089 83,659,860 15 300,642
3 92.8 23.9 102.1 15 331,000 4,016 83,400,175 16 324,307
4 79.4 21.2 81.9 14 290,755 3,958 83,080,077 18 355,228
5 89.2 22.3 93.3 16 340,000 3,750 79,546,432 18 364,588
6 92.7 23.2 95.5 16 340,000 3,351 72,033,162 17 355,989
7+ 100.0 15.8 100.7 40 855,733 6,420 140,915,469 40 850,061
Total 80.9 7.6 83.7 113 2,390,621 30,161 636,311,491 140 2,857,435
By Issue Age
20-24 234.7 95.8 295.7 6 150,000 2,874 57,063,124 3 50,735
25-29 54.5 31.5 51.1 3 60,000 4,148 88,185,261 6 117,344
30-34 90.9 32.1 96.3 8 185,000 4,304 93,426,145 9 192,058
35-39 71.6 21.6 87.2 11 312,000 4,771 110,330,602 15 357,692
40-44 68.9 16.2 78.1 18 442,000 5,314 115,425,873 26 566,092
45-49 98.4 16.8 88.2 34 628,733 4,843 99,366,331 35 712,512
50-54 79.8 17.4 83.3 21 417,888 2,583 49,442,245 26 501,961
55-59 52.9 18.7 41.7 8 110,000 1,057 18,509,512 15 263,587
60+ 73.4 36.7 89.0 4 85,000 267 4,562,398 5 95,454
Total 80.9 7.6 83.7 113 2,390,621 30,161 636,311,491 140 2,857,435
By Attained Age
20-24 259.1 183.2 327.2 2 50,000 1,115 21,955,417 1 15,279
25-29 89.5 51.7 109.8 3 75,000 3,337 67,939,886 3 68,294
30-34 77.9 34.8 66.0 5 90,000 4,211 89,518,917 6 136,295
35-39 83.2 29.4 106.1 8 227,000 4,117 91,622,074 10 214,044
40-44 68.2 19.7 81.4 12 325,000 4,911 111,767,000 18 399,119
45-49 70.1 15.6 64.6 20 390,000 5,263 111,389,340 29 603,581
50-54 89.4 16.6 91.7 29 608,866 4,091 84,079,506 32 664,317
55-59 90.1 19.2 90.4 22 419,755 2,148 41,064,282 24 464,476
60-64 85.1 26.9 78.0 10 160,000 747 13,109,770 12 205,179
65+ 41.2 29.2 51.8 2 45,000 221 3,865,299 5 86,852
Total 80.9 7.6 83.7 113 2,390,621 30,161 636,311,491 140 2,857,435

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.22     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 62.4 27.9 74.2 5 315,000 3,361 178,629,864 8 424,754
2 42.4 23.7 39.8 3 160,000 2,850 152,334,758 8 402,261
3 51.8 25.9 54.6 4 225,000 2,619 140,498,510 8 411,886
4 63.2 28.3 72.7 5 307,870 2,426 130,714,579 8 423,623
5 61.3 27.4 66.3 5 289,125 2,259 121,887,993 8 435,933
6 149.2 43.1 148.7 12 639,128 2,031 109,674,845 8 429,932
7+ 92.5 18.9 93.8 24 1,292,396 4,897 262,601,723 26 1,377,365
Total 79.4 10.4 82.7 58 3,228,519 20,443 1,096,342,273 73 3,905,753
By Issue Age
20-39 73.7 16.1 79.5 21 1,218,519 13,998 753,957,945 28 1,533,579
40-44 72.5 20.9 76.0 12 680,000 3,342 179,048,383 17 894,231
45-49 114.5 27.7 115.8 17 920,000 2,010 106,928,845 15 794,748
50-54 56.9 25.4 54.9 5 250,000 827 42,786,542 9 455,247
55-59 67.5 47.8 65.8 2 100,000 199 10,240,906 3 152,089
60+ 67.5 67.5 79.1 1 60,000 66 3,379,652 1 75,860
Total 79.4 10.4 82.7 58 3,228,519 20,443 1,096,342,273 73 3,905,753
By Attained Age
20-44 68.9 15.0 74.1 21 1,216,123 14,712 792,111,227 30 1,640,333
45-49 88.9 23.6 89.4 14 762,396 2,990 159,579,068 16 852,847
50-54 76.8 24.3 83.0 10 575,000 1,663 88,547,018 13 692,495
55-59 116.2 36.7 114.6 10 515,000 774 40,404,780 9 449,520
60+ 57.2 33.0 59.1 3 160,000 304 15,700,180 5 270,558
Total 79.4 10.4 82.7 58 3,228,519 20,443 1,096,342,273 73 3,905,753

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.23     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 42.5 30.1 38.6 2 200,000 2,161 237,533,000 5 517,781
2 61.5 35.5 66.1 3 350,000 2,067 225,668,767 5 529,746
3 58.6 33.8 71.9 3 400,000 1,960 213,759,168 5 556,448
4 18.5 18.5 17.0 1 100,000 1,847 200,879,698 5 589,154
5 107.7 44.0 122.5 6 745,880 1,716 187,115,234 6 609,087
6 135.2 51.1 132.9 7 750,000 1,480 160,912,033 5 564,462
7+ 45.5 18.6 48.4 6 700,000 2,996 326,410,973 13 1,446,937
Total 63.6 12.0 67.4 28 3,245,880 14,228 1,552,278,873 44 4,813,615
By Issue Age
20-29 68.1 34.1 79.5 4 505,880 5,082 549,948,647 6 636,024
30-34 66.0 33.0 83.7 4 550,000 2,923 317,421,832 6 657,254
35-39 60.5 27.0 59.9 5 550,000 2,585 287,359,114 8 918,946
40-44 60.4 24.7 55.2 6 600,000 2,035 222,532,915 10 1,087,241
45-49 119.3 39.8 126.0 9 1,040,000 1,035 113,223,372 8 825,234
50-54 0.0 0.0 0.0 0 0 471 51,116,691 5 523,671
55+ 0.0 0.0 0.0 0 0 98 10,676,301 2 165,245
Total 63.6 12.0 67.4 28 3,245,880 14,228 1,552,278,873 44 4,813,615
By Attained Age
20-34 80.0 32.7 105.4 6 855,880 6,164 667,047,348 8 812,011
35-39 16.3 16.3 14.7 1 100,000 2,633 290,500,496 6 679,472
40-44 59.7 26.7 59.8 5 550,000 2,369 260,007,004 8 919,305
45-49 124.2 37.5 118.5 11 1,140,000 1,653 179,680,880 9 961,873
50-54 67.1 30.0 72.4 5 600,000 943 104,842,295 7 828,260
55-59 0.0 0.0 0.0 0 0 370 39,626,763 4 440,583
60+ 0.0 0.0 0.0 0 0 96 10,574,087 2 172,111
Total 63.6 12.0 67.4 28 3,245,880 14,228 1,552,278,873 44 4,813,615

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.24     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 126 41,468,957 0 119,380
2 0.0 0.0 0.0 0 0 110 35,226,588 0 113,448
3 262.7 262.7 283.4 1 350,000 111 34,539,485 0 123,492
4 255.5 255.5 192.2 1 250,000 110 34,982,688 0 130,051
5 268.9 268.9 217.8 1 250,000 95 28,380,082 0 114,793
6 0.0 0.0 0.0 0 0 87 26,742,500 0 121,111
7+ 0.0 0.0 0.0 0 0 204 62,454,938 1 320,008
Total 92.2 53.2 81.6 3 850,000 843 263,795,237 3 1,042,281
By Issue Age
20-24 0.0 0.0 0.0 0 0 43 12,536,045 0 11,527
25-29 648.3 648.3 721.5 1 350,000 121 37,679,045 0 48,508
30-34 240.7 240.7 206.1 1 250,000 192 56,036,282 0 121,302
35-39 0.0 0.0 0.0 0 0 173 52,129,921 1 167,321
40-44 0.0 0.0 0.0 0 0 152 52,998,245 1 261,514
45+ 75.5 75.5 57.9 1 250,000 162 52,415,700 1 432,109
Total 92.2 53.2 81.6 3 850,000 843 263,795,237 3 1,042,281
By Attained Age
20-24 0.0 0.0 0.0 0 0 14 3,808,922 0 2,721
25-29 1121.3 1121.3 1325.0 1 350,000 87 25,833,000 0 26,415
30-34 0.0 0.0 0.0 0 0 119 37,798,166 0 57,261
35-39 246.5 246.5 206.2 1 250,000 174 51,800,130 0 121,262
40-44 0.0 0.0 0.0 0 0 169 54,317,390 1 191,121
45-49 109.1 109.1 85.6 1 250,000 169 53,517,012 1 292,126
50+ 0.0 0.0 0.0 0 0 111 36,720,617 1 351,376
Total 92.2 53.2 81.6 3 850,000 843 263,795,237 3 1,042,281

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.25     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.0 3.2 18.4 32 751,100 43,351 1,003,231,462 180 4,071,214
2 41.7 4.8 43.4 75 1,774,470 38,596 897,145,603 180 4,084,916
3 42.2 4.7 42.7 82 1,872,863 36,491 849,298,326 193 4,389,562
4 50.3 4.9 49.0 106 2,385,354 35,503 833,434,006 212 4,863,158
5 49.8 4.7 50.4 111 2,607,930 33,907 802,874,137 223 5,179,569
6 57.8 5.1 61.5 129 3,211,497 30,573 728,351,749 223 5,223,952
7+ 52.8 3.0 53.3 304 7,413,592 62,941 1,523,844,101 576 13,896,963
Total 47.0 1.6 48.0 840 20,016,806 281,361 6,638,179,383 1,788 41,709,333
By Issue Age
20-24 53.4 18.9 64.4 8 205,000 18,204 384,862,084 15 318,157
25-29 61.3 12.5 60.8 24 541,500 32,573 742,135,817 39 890,234
30-34 58.3 9.2 61.9 40 1,003,200 37,464 882,468,866 69 1,620,444
35-39 44.5 6.1 46.9 53 1,374,581 40,712 991,367,418 120 2,930,715
40-44 55.9 5.0 57.6 124 3,181,787 45,522 1,127,382,071 222 5,524,359
45-49 46.9 3.6 46.7 171 4,227,859 46,394 1,142,696,745 365 9,044,780
50-54 48.7 3.4 48.5 206 4,878,522 34,269 811,709,226 422 10,058,885
55-59 43.8 3.6 44.0 150 3,283,156 18,972 411,177,587 343 7,468,601
60+ 32.8 4.1 34.3 63 1,321,201 7,251 144,379,569 192 3,853,158
Total 47.0 1.6 48.0 840 20,016,806 281,361 6,638,179,383 1,788 41,709,333
By Attained Age
20-24 86.8 43.4 87.9 4 85,000 7,047 146,848,245 5 96,662
25-29 58.2 16.2 61.0 13 305,000 24,073 537,274,386 22 499,812
30-34 40.5 9.3 40.8 19 441,500 34,004 782,306,638 47 1,081,182
35-39 49.9 8.0 55.7 39 1,037,200 37,387 886,421,013 78 1,862,819
40-44 50.4 6.1 50.4 68 1,665,912 40,459 986,464,389 135 3,303,984
45-49 46.6 4.3 48.6 115 2,959,930 45,243 1,112,639,013 248 6,087,502
50-54 53.4 3.8 54.3 194 4,774,882 41,530 1,010,026,924 362 8,791,585
55-59 44.9 3.3 43.9 181 4,151,002 29,719 698,637,535 404 9,451,311
60-64 43.1 3.7 43.3 133 2,959,614 15,730 348,747,640 310 6,838,754
65+ 41.2 4.8 44.3 73 1,636,766 6,169 128,813,601 177 3,695,723
Total 47.0 1.6 48.0 840 20,016,806 281,361 6,638,179,383 1,788 41,709,333

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.26     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.7 3.6 27.4 54 2,955,000 64,496 3,454,873,390 203 10,799,377
2 46.1 4.8 46.0 91 4,865,250 55,800 3,002,413,810 198 10,581,501
3 46.5 4.7 44.9 97 5,016,763 51,189 2,765,844,430 209 11,181,456
4 53.4 4.9 52.2 121 6,353,533 48,547 2,634,233,437 227 12,173,467
5 54.2 4.7 54.8 131 7,142,027 46,122 2,513,455,743 242 13,033,252
6 48.8 4.5 48.4 118 6,314,225 41,276 2,251,803,642 242 13,040,811
7+ 52.7 2.6 52.7 396 21,377,793 99,144 5,411,772,359 752 40,602,717
Total 48.7 1.5 48.5 1,010 54,024,591 406,575 22,034,396,811 2,073 111,412,580
By Issue Age
20-24 39.2 14.8 39.9 7 387,500 21,755 1,184,385,482 18 970,538
25-29 55.9 9.4 55.7 35 1,907,527 52,119 2,845,037,639 63 3,423,526
30-34 57.2 6.8 55.4 71 3,768,700 67,521 3,691,653,284 124 6,807,399
35-39 53.8 4.9 55.1 122 6,868,655 75,790 4,155,097,598 227 12,471,259
40-44 48.0 3.5 47.4 184 9,847,746 77,650 4,200,658,675 384 20,779,124
45-49 48.0 3.1 48.2 238 12,821,603 61,625 3,301,721,670 496 26,589,936
50-54 46.0 3.2 44.5 201 10,328,133 34,483 1,828,740,403 437 23,230,908
55-59 49.1 4.5 49.9 117 6,281,727 12,478 660,386,699 238 12,599,542
60-64 37.0 7.1 37.3 27 1,438,000 2,796 147,830,799 73 3,854,860
65+ 54.5 20.6 54.7 7 375,000 357 18,884,560 13 685,488
Total 48.7 1.5 48.5 1,010 54,024,591 406,575 22,034,396,811 2,073 111,412,580
By Attained Age
20-24 34.5 24.4 31.8 2 100,000 8,741 474,158,016 6 314,180
25-29 59.5 13.6 60.9 19 1,054,027 34,354 1,863,422,418 32 1,730,312
30-34 57.2 8.5 55.9 45 2,391,000 56,859 3,097,149,450 79 4,279,113
35-39 47.8 5.9 47.5 66 3,585,973 66,431 3,634,553,975 138 7,552,339
40-44 47.7 4.5 47.7 113 6,174,999 71,472 3,901,641,075 237 12,943,471
45-49 48.2 3.5 48.1 185 10,031,816 71,113 3,857,466,350 385 20,846,512
50-54 47.8 3.2 47.5 221 11,760,616 53,156 2,844,495,689 463 24,759,579
55-59 50.0 3.5 49.6 200 10,544,683 29,239 1,556,877,590 399 21,270,806
60-64 48.8 4.6 48.6 114 6,018,477 11,723 620,092,456 234 12,393,431
65+ 43.8 6.6 44.4 44 2,363,000 3,486 184,539,793 100 5,322,837
Total 48.7 1.5 48.5 1,010 54,024,591 406,575 22,034,396,811 2,073 111,412,580

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.27     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.3 3.4 23.5 50 5,585,000 76,286 8,706,962,257 207 23,743,774
2 54.8 5.0 54.7 121 13,902,200 73,587 8,401,051,555 222 25,418,724
3 59.6 4.9 60.5 146 17,011,000 72,801 8,320,781,578 245 28,113,839
4 52.4 4.4 51.7 141 15,970,000 70,909 8,105,285,592 269 30,907,562
5 57.3 4.5 57.8 163 18,873,905 67,108 7,681,059,868 285 32,676,899
6 51.7 4.2 49.8 148 16,392,417 60,421 6,928,433,315 286 32,933,309
7+ 55.9 2.6 56.5 475 55,296,052 135,077 15,512,970,607 851 97,866,878
Total 52.7 1.5 52.7 1,246 143,030,574 556,189 63,656,544,772 2,365 271,660,985
By Issue Age
20-24 76.3 16.3 70.5 22 2,275,000 35,095 3,931,854,865 29 3,226,809
25-29 54.4 7.2 52.0 57 6,130,000 86,099 9,691,809,184 105 11,798,096
30-34 54.6 5.0 56.1 118 13,867,000 116,181 13,292,162,400 216 24,733,863
35-39 57.0 4.1 58.3 196 23,132,052 116,428 13,418,799,215 344 39,692,655
40-44 56.6 3.4 56.7 272 31,532,750 97,043 11,247,521,730 480 55,653,905
45-49 47.6 3.1 47.6 241 27,648,700 61,817 7,097,917,083 506 58,094,234
50-54 51.5 3.6 51.6 210 24,206,705 30,689 3,530,429,418 407 46,930,934
55-59 46.5 4.7 44.5 98 10,638,367 10,556 1,191,637,425 211 23,914,209
60-64 47.2 9.1 47.9 27 3,100,000 1,988 222,944,708 57 6,465,613
65+ 47.2 21.1 43.5 5 500,000 292 31,468,744 11 1,150,668
Total 52.7 1.5 52.7 1,246 143,030,574 556,189 63,656,544,772 2,365 271,660,985
By Attained Age
20-24 69.2 28.2 66.5 6 650,000 13,083 1,473,936,372 9 977,034
25-29 59.0 11.0 56.4 29 3,105,000 53,385 5,978,178,764 49 5,502,570
30-34 52.1 6.4 50.5 66 7,235,000 92,680 10,488,177,800 127 14,322,450
35-39 51.2 4.7 51.7 118 13,670,000 112,737 12,917,735,515 231 26,454,603
40-44 59.4 4.1 61.3 206 24,594,052 106,513 12,319,717,846 347 40,131,143
45-49 52.6 3.4 52.4 241 27,743,250 84,881 9,824,272,485 457 52,908,365
50-54 52.0 3.3 51.1 245 27,820,700 53,529 6,166,419,795 472 54,448,972
55-59 47.0 3.5 47.5 177 20,548,905 26,623 3,043,425,511 377 43,271,107
60-64 54.8 5.0 53.9 118 13,212,667 10,132 1,150,416,807 215 24,529,248
65+ 48.2 7.7 48.8 39 4,451,000 2,625 294,263,877 81 9,115,493
Total 52.7 1.5 52.7 1,246 143,030,574 556,189 63,656,544,772 2,365 271,660,985

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.28     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 36.7 9.8 28.2 14 4,037,500 12,012 4,380,346,686 38 14,292,320
2 42.5 10.3 46.9 17 6,911,667 11,145 4,005,674,522 40 14,738,451
3 47.5 10.6 53.5 20 8,278,349 10,439 3,743,433,319 43 15,487,108
4 62.5 11.8 65.2 28 10,625,000 9,852 3,511,042,960 45 16,288,284
5 61.3 11.6 51.2 28 8,400,000 8,957 3,155,971,039 46 16,400,453
6 70.8 12.5 81.0 32 13,160,000 7,978 2,799,626,279 45 16,252,108
7+ 65.0 7.1 59.8 83 27,220,000 17,757 6,186,147,448 128 45,500,342
Total 57.9 3.9 56.6 223 78,632,516 78,140 27,782,242,253 385 138,959,065
By Issue Age
20-24 53.7 53.7 44.7 1 250,000 2,418 727,825,129 2 559,192
25-29 85.1 32.1 119.5 7 3,210,000 7,037 2,296,253,555 8 2,687,250
30-34 57.5 14.8 60.6 15 5,460,000 14,579 5,063,572,493 26 9,010,096
35-39 48.2 9.5 48.8 26 9,335,000 19,019 6,791,122,481 54 19,130,095
40-44 64.0 8.8 52.3 53 15,905,849 17,055 6,299,321,394 83 30,394,466
45-49 40.9 6.9 42.2 35 13,436,667 10,509 3,877,788,441 86 31,803,032
50-54 60.7 9.4 60.8 42 15,435,000 5,120 1,867,607,692 69 25,391,153
55-59 85.5 14.7 87.9 34 12,450,000 1,909 679,343,808 40 14,158,859
60-64 56.5 20.0 55.5 8 2,900,000 448 165,544,247 14 5,229,715
65+ 50.5 50.5 42.0 1 250,000 46 13,863,014 2 595,206
Total 57.9 3.9 56.6 223 78,632,516 78,140 27,782,242,253 385 138,959,065
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,079 328,202,334 1 212,439
25-29 52.9 37.4 54.2 2 650,000 4,191 1,331,256,197 4 1,198,713
30-34 71.8 23.9 88.6 9 3,810,000 9,394 3,216,851,019 13 4,298,634
35-39 58.0 13.7 56.1 18 6,085,000 15,651 5,487,679,134 31 10,846,228
40-44 35.7 7.9 31.5 20 6,485,849 17,756 6,488,417,850 57 20,609,812
45-49 59.0 8.6 58.2 47 16,970,000 14,715 5,385,750,225 80 29,138,460
50-54 52.4 8.0 46.9 43 14,031,667 9,005 3,251,481,966 82 29,892,629
55-59 64.5 9.9 66.3 42 15,900,000 4,283 1,559,985,820 65 23,981,537
60-64 92.2 15.8 97.2 34 12,750,000 1,612 570,958,485 37 13,113,488
65+ 44.2 16.7 34.4 7 1,950,000 453 161,659,224 16 5,667,126
Total 57.9 3.9 56.6 223 78,632,516 78,140 27,782,242,253 385 138,959,065

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.29     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 14.9 4.5 15.9 11 266,000 17,015 393,268,877 74 1,674,869
2 29.4 6.2 29.8 22 509,000 15,243 353,192,295 76 1,708,318
3 30.1 6.0 29.8 25 565,563 14,706 341,046,539 84 1,898,398
4 50.0 7.3 49.7 47 1,077,358 14,487 338,762,461 95 2,168,872
5 51.3 7.1 51.2 52 1,200,438 13,875 326,951,457 102 2,344,252
6 48.7 6.9 51.1 50 1,220,961 12,486 295,909,859 103 2,390,270
7+ 53.6 4.4 55.2 150 3,700,933 26,443 635,115,151 280 6,707,866
Total 44.1 2.3 45.2 358 8,540,253 114,255 2,684,246,639 812 18,892,845
By Issue Age
20-24 56.2 32.4 84.7 3 95,000 7,452 155,824,688 5 112,105
25-29 67.2 22.4 82.6 9 251,500 13,103 298,627,421 13 304,609
30-34 36.7 12.2 29.8 9 170,000 15,632 364,407,787 24 571,312
35-39 40.6 9.5 41.2 18 449,581 17,052 411,458,957 45 1,090,132
40-44 53.6 7.7 53.6 48 1,190,379 18,466 454,375,349 90 2,220,683
45-49 46.0 5.3 47.0 75 1,890,910 18,845 461,279,394 163 4,022,399
50-54 47.2 4.8 46.5 96 2,256,007 13,631 321,341,688 204 4,855,501
55-59 39.9 4.8 42.1 69 1,596,548 7,444 162,625,918 173 3,790,127
60+ 32.2 5.9 33.2 30 640,328 2,633 54,305,439 93 1,925,978
Total 44.1 2.3 45.2 358 8,540,253 114,255 2,684,246,639 812 18,892,845
By Attained Age
20-24 56.0 56.0 27.0 1 10,000 2,974 61,199,416 2 37,067
25-29 66.7 29.8 98.2 5 165,000 9,482 211,449,005 8 168,071
30-34 43.6 16.5 45.4 7 166,500 13,863 316,168,257 16 366,848
35-39 33.4 11.1 34.6 9 220,000 15,391 362,501,010 27 636,626
40-44 37.7 8.6 37.3 19 459,581 16,984 409,412,860 51 1,232,022
45-49 44.9 6.7 43.8 45 1,082,911 18,397 451,468,925 101 2,473,633
50-54 52.5 5.7 54.3 86 2,153,700 16,891 408,292,675 164 3,969,733
55-59 38.9 4.4 38.7 77 1,794,185 11,825 277,259,977 198 4,631,863
60-64 45.4 5.4 47.8 71 1,665,318 6,128 136,657,351 157 3,481,672
65+ 41.8 6.9 43.4 37 823,058 2,320 49,837,164 89 1,895,311
Total 44.1 2.3 45.2 358 8,540,253 114,255 2,684,246,639 812 18,892,845

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.30     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.9 5.5 27.6 24 1,325,000 27,678 1,495,670,900 89 4,807,672
2 45.5 7.1 45.0 41 2,205,250 24,504 1,330,539,479 91 4,901,615
3 49.7 7.1 46.7 49 2,477,773 22,729 1,238,456,157 99 5,305,014
4 50.6 6.8 48.2 55 2,836,543 21,730 1,189,066,446 109 5,890,182
5 56.4 6.9 56.8 67 3,647,500 20,767 1,140,483,944 119 6,424,372
6 54.2 6.7 53.2 65 3,446,725 18,522 1,017,055,710 120 6,478,993
7+ 50.6 3.6 50.0 194 10,390,332 44,175 2,420,677,962 384 20,771,798
Total 49.1 2.2 48.2 496 26,329,123 180,105 9,831,950,598 1,011 54,579,647
By Issue Age
20-24 14.6 14.6 13.4 1 50,000 9,458 516,637,775 7 374,039
25-29 74.8 18.1 72.4 17 906,000 22,021 1,210,600,020 23 1,251,229
30-34 43.4 9.7 39.9 20 1,017,500 29,348 1,615,747,034 46 2,552,474
35-39 41.2 6.8 42.6 37 2,115,520 33,206 1,836,761,791 90 4,964,581
40-44 35.5 4.5 35.4 61 3,317,443 34,940 1,907,063,620 172 9,375,171
45-49 50.9 4.5 50.2 126 6,692,800 28,149 1,517,655,439 248 13,334,008
50-54 56.1 4.8 54.1 134 6,913,133 15,775 843,471,855 239 12,776,772
55-59 55.8 6.3 56.0 78 4,153,727 5,855 312,531,216 139 7,421,674
60-64 43.1 10.5 42.9 17 888,000 1,159 60,885,983 39 2,068,569
65+ 59.2 26.5 59.6 5 275,000 195 10,595,864 8 461,130
Total 49.1 2.2 48.2 496 26,329,123 180,105 9,831,950,598 1,011 54,579,647
By Attained Age
20-24 0.0 0.0 0.0 0 0 3,889 211,470,258 2 130,276
25-29 78.8 26.3 74.6 9 465,000 14,246 777,313,652 11 622,988
30-34 53.3 13.8 51.2 15 791,000 24,040 1,320,225,766 28 1,543,975
35-39 38.7 8.6 36.2 20 1,037,273 29,427 1,626,559,131 52 2,865,643
40-44 31.1 5.7 32.4 30 1,715,747 31,994 1,758,630,235 97 5,299,768
45-49 41.0 4.9 40.0 71 3,781,943 32,038 1,751,251,351 173 9,466,157
50-54 46.3 4.5 45.8 108 5,742,500 24,202 1,301,469,562 233 12,532,894
55-59 63.6 5.4 62.8 140 7,392,183 13,296 713,501,344 219 11,772,921
60-64 56.7 6.5 55.1 77 3,990,477 5,394 287,514,051 136 7,243,012
65+ 44.6 8.8 45.6 26 1,413,000 1,579 84,015,247 58 3,102,011
Total 49.1 2.2 48.2 496 26,329,123 180,105 9,831,950,598 1,011 54,579,647

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.31     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.6 4.8 24.4 26 3,030,000 38,368 4,448,480,537 106 12,416,689
2 48.7 6.5 50.1 56 6,742,200 37,200 4,308,182,464 115 13,456,522
3 47.7 6.1 47.2 62 7,122,500 36,878 4,272,694,952 129 15,090,996
4 44.2 5.5 43.3 64 7,330,000 36,016 4,173,992,857 145 16,917,868
5 52.6 5.8 51.8 82 9,423,905 34,183 3,965,140,004 156 18,183,825
6 39.0 5.0 37.7 62 6,999,667 30,795 3,583,151,212 159 18,565,710
7+ 50.8 3.2 52.1 254 30,442,000 70,277 8,190,414,469 501 58,383,244
Total 46.2 1.9 46.5 607 71,090,272 283,717 32,942,056,496 1,312 153,014,855
By Issue Age
20-24 81.9 25.9 76.4 10 1,050,000 16,663 1,878,440,224 12 1,373,878
25-29 64.0 12.3 59.1 27 2,830,000 40,163 4,556,347,804 42 4,791,344
30-34 49.9 7.3 53.0 47 5,810,000 58,229 6,750,812,851 94 10,953,392
35-39 42.3 5.1 43.7 68 8,265,000 59,644 6,982,603,572 161 18,897,884
40-44 43.9 4.2 43.3 112 12,982,000 51,512 6,066,192,928 254 29,987,188
45-49 39.4 3.7 39.7 115 13,548,200 33,016 3,852,458,306 293 34,148,078
50-54 54.0 4.5 55.2 141 16,931,705 17,037 2,000,121,978 262 30,647,195
55-59 44.5 5.6 43.3 64 7,148,367 6,041 693,358,038 144 16,507,994
60-64 45.2 10.4 45.9 19 2,225,000 1,230 141,723,959 42 4,846,887
65+ 38.7 22.3 34.8 3 300,000 180 19,996,837 8 861,014
Total 46.2 1.9 46.5 607 71,090,272 283,717 32,942,056,496 1,312 153,014,855
By Attained Age
20-24 51.7 36.6 57.1 2 250,000 6,235 705,856,617 4 437,905
25-29 65.2 18.1 63.5 13 1,430,000 24,768 2,793,692,010 20 2,250,414
30-34 60.6 10.7 59.3 32 3,585,000 44,777 5,125,774,461 53 6,048,549
35-39 38.9 6.2 38.7 39 4,520,000 56,847 6,592,959,323 101 11,688,556
40-44 52.1 5.6 52.6 86 10,235,000 55,233 6,493,770,554 165 19,467,488
45-49 32.7 3.7 33.5 79 9,547,000 44,985 5,288,806,150 243 28,498,708
50-54 48.2 4.2 48.0 132 15,480,700 28,656 3,361,276,780 275 32,272,435
55-59 47.2 4.4 48.3 114 13,628,905 14,640 1,707,551,590 242 28,218,381
60-64 51.9 5.9 51.9 78 9,012,667 5,955 687,876,725 150 17,352,417
65+ 50.4 9.2 50.2 30 3,401,000 1,620 184,492,286 60 6,780,001
Total 46.2 1.9 46.5 607 71,090,272 283,717 32,942,056,496 1,312 153,014,855

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.32     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.5 10.7 25.0 8 2,537,500 7,985 3,025,383,850 27 10,165,681
2 49.7 13.3 50.6 14 5,401,667 7,458 2,778,190,400 28 10,677,476
3 47.0 12.5 46.3 14 5,268,349 7,016 2,614,294,406 30 11,384,441
4 59.2 13.6 63.0 19 7,625,000 6,683 2,471,601,498 32 12,103,176
5 48.3 12.1 40.8 16 5,025,000 6,112 2,230,978,846 33 12,314,325
6 53.9 12.7 57.7 18 7,180,000 5,512 2,007,038,005 33 12,434,674
7+ 68.8 8.4 62.9 67 22,560,000 12,493 4,513,061,455 97 35,846,296
Total 55.6 4.4 53.0 156 55,597,516 53,259 19,640,548,460 281 104,926,070
By Issue Age
20-24 96.4 96.4 78.0 1 250,000 1,445 446,117,848 1 320,477
25-29 91.0 45.5 81.9 4 1,200,000 4,153 1,388,741,720 4 1,465,591
30-34 70.6 21.3 79.3 11 4,460,000 9,520 3,430,833,112 16 5,625,468
35-39 48.8 11.8 48.1 17 6,160,000 13,006 4,791,372,264 35 12,800,979
40-44 61.6 10.3 49.6 36 11,015,849 12,056 4,614,429,986 59 22,222,548
45-49 39.1 7.8 38.8 25 9,636,667 7,513 2,904,399,655 64 24,829,055
50-54 50.9 9.6 52.1 28 10,725,000 3,735 1,396,727,154 55 20,603,978
55-59 77.3 15.5 76.8 25 9,000,000 1,408 513,744,388 32 11,721,809
60-64 61.8 21.9 60.7 8 2,900,000 382 141,569,320 13 4,779,666
65+ 54.8 54.8 44.9 1 250,000 41 12,613,014 2 556,497
Total 55.6 4.4 53.0 156 55,597,516 53,259 19,640,548,460 281 104,926,070
By Attained Age
20-24 0.0 0.0 0.0 0 0 611 192,032,988 0 118,143
25-29 99.9 70.7 99.1 2 650,000 2,454 802,227,514 2 656,137
30-34 85.4 34.9 72.1 6 1,800,000 5,819 2,059,816,599 7 2,495,612
35-39 48.2 16.0 55.9 9 3,810,000 10,423 3,780,623,826 19 6,813,667
40-44 40.8 10.5 31.9 15 4,475,849 12,295 4,636,178,031 37 14,011,064
45-49 56.1 9.9 53.2 32 11,540,000 10,524 4,004,035,993 57 21,681,570
50-54 50.7 9.1 46.0 31 10,621,667 6,369 2,390,443,907 61 23,075,471
55-59 49.3 9.6 48.6 26 9,700,000 3,195 1,203,713,165 53 19,951,663
60-64 95.7 17.8 103.6 29 11,350,000 1,192 433,114,580 30 10,953,058
65+ 42.2 17.2 31.9 6 1,650,000 379 138,361,859 14 5,169,684
Total 55.6 4.4 53.0 156 55,597,516 53,259 19,640,548,460 281 104,926,070

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.33     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.1 4.4 20.2 21 485,100 26,336 609,962,585 106 2,396,345
2 50.6 6.9 53.2 53 1,265,470 23,353 543,953,308 105 2,376,597
3 51.5 6.9 52.5 56 1,307,300 21,785 508,251,787 109 2,491,164
4 50.5 6.6 48.5 59 1,307,996 21,015 494,671,545 117 2,694,286
5 48.5 6.3 49.6 59 1,407,492 20,032 475,922,679 122 2,835,317
6 65.6 7.4 70.2 79 1,990,536 18,087 432,441,890 120 2,833,681
7+ 52.0 4.2 51.6 154 3,712,659 36,497 888,728,949 296 7,189,097
Total 49.4 2.2 50.3 482 11,476,553 167,106 3,953,932,744 976 22,816,488
By Issue Age
20-24 51.8 23.2 53.4 5 110,000 10,752 229,037,397 10 206,052
25-29 58.2 15.0 49.5 15 290,000 19,470 443,508,396 26 585,625
30-34 70.3 12.6 79.4 31 833,200 21,832 518,061,079 44 1,049,133
35-39 46.8 7.9 50.3 35 925,000 23,661 579,908,461 75 1,840,583
40-44 57.4 6.6 60.3 76 1,991,408 27,057 673,006,722 132 3,303,675
45-49 47.6 4.9 46.5 96 2,336,949 27,550 681,417,351 202 5,022,381
50-54 50.1 4.8 50.4 109 2,622,515 20,638 490,367,538 218 5,203,384
55-59 47.8 5.3 45.9 81 1,686,608 11,528 248,551,669 170 3,678,474
60+ 33.4 5.8 35.3 33 680,873 4,618 90,074,130 99 1,927,180
Total 49.4 2.2 50.3 482 11,476,553 167,106 3,953,932,744 976 22,816,488
By Attained Age
20-24 106.3 61.4 125.9 3 75,000 4,073 85,648,829 3 59,594
25-29 54.0 19.1 42.2 8 140,000 14,591 325,825,381 15 331,741
30-34 38.9 11.2 38.5 12 275,000 20,141 466,138,381 31 714,333
35-39 58.5 10.7 66.6 30 817,200 21,996 523,920,003 51 1,226,193
40-44 58.2 8.3 58.2 49 1,206,331 23,475 577,051,530 84 2,071,962
45-49 47.7 5.7 51.9 70 1,877,019 26,846 661,170,088 147 3,613,869
50-54 54.2 5.2 54.4 107 2,621,182 24,639 601,734,249 198 4,821,852
55-59 50.7 5.0 48.9 104 2,356,817 17,894 421,377,558 206 4,819,448
60-64 40.7 5.2 38.6 62 1,294,296 9,601 212,090,288 153 3,357,082
65+ 40.7 6.8 45.2 36 813,708 3,849 78,976,437 89 1,800,412
Total 49.4 2.2 50.3 482 11,476,553 167,106 3,953,932,744 976 22,816,488

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.34     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.5 4.8 27.2 30 1,630,000 36,818 1,959,202,491 113 5,991,705
2 46.7 6.6 46.8 50 2,660,000 31,296 1,671,874,331 107 5,679,886
3 43.7 6.3 43.2 48 2,538,990 28,460 1,527,388,272 110 5,876,441
4 56.1 6.9 56.0 66 3,516,990 26,818 1,445,166,991 118 6,283,285
5 52.1 6.5 52.9 64 3,494,527 25,355 1,372,971,799 123 6,608,880
6 43.5 6.0 43.7 53 2,867,500 22,754 1,234,747,933 122 6,561,818
7+ 54.9 3.9 55.4 202 10,987,461 54,969 2,991,094,397 369 19,830,919
Total 48.4 2.1 48.7 514 27,695,468 226,470 12,202,446,213 1,063 56,832,933
By Issue Age
20-24 54.6 22.3 56.6 6 337,500 12,297 667,747,707 11 596,499
25-29 45.1 10.6 46.1 18 1,001,527 30,098 1,634,437,619 40 2,172,297
30-34 65.4 9.2 64.7 51 2,751,200 38,174 2,075,906,250 78 4,254,925
35-39 62.0 6.7 63.3 85 4,753,135 42,584 2,318,335,807 138 7,506,678
40-44 58.1 5.2 57.3 123 6,530,303 42,711 2,293,595,055 212 11,403,953
45-49 45.1 4.3 46.2 112 6,128,803 33,476 1,784,066,231 249 13,255,929
50-54 33.8 4.1 32.7 67 3,415,000 18,708 985,268,547 199 10,454,135
55-59 39.6 6.3 41.1 39 2,128,000 6,623 347,855,484 99 5,177,868
60+ 31.6 9.1 32.3 12 650,000 1,799 95,233,513 38 2,010,649
Total 48.4 2.1 48.7 514 27,695,468 226,470 12,202,446,213 1,063 56,832,933
By Attained Age
20-24 58.8 41.6 54.4 2 100,000 4,852 262,687,757 3 183,904
25-29 48.8 15.4 53.2 10 589,027 20,107 1,086,108,767 21 1,107,323
30-34 59.4 10.8 58.5 30 1,600,000 32,819 1,776,923,683 51 2,735,138
35-39 53.2 7.8 54.4 46 2,548,700 37,004 2,007,994,844 86 4,686,696
40-44 59.2 6.5 58.3 83 4,459,252 39,478 2,143,010,839 141 7,643,703
45-49 54.0 5.1 54.9 114 6,249,873 39,074 2,106,214,999 211 11,380,355
50-54 49.3 4.6 49.2 113 6,018,116 28,955 1,543,026,127 230 12,226,685
55-59 33.5 4.3 33.2 60 3,152,500 15,943 843,376,246 180 9,497,885
60-64 37.8 6.2 39.4 37 2,028,000 6,329 332,578,405 98 5,150,419
65+ 42.7 10.1 42.8 18 950,000 1,908 100,524,545 42 2,220,825
Total 48.4 2.1 48.7 514 27,695,468 226,470 12,202,446,213 1,063 56,832,933

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.35     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.0 4.9 22.6 24 2,555,000 37,918 4,258,481,720 101 11,327,084
2 61.3 7.6 59.9 65 7,160,000 36,387 4,092,869,092 106 11,962,202
3 73.0 8.0 75.9 84 9,888,500 35,923 4,048,086,626 115 13,022,843
4 62.0 7.1 61.8 77 8,640,000 34,893 3,931,292,735 124 13,989,695
5 63.0 7.0 65.2 81 9,450,000 32,925 3,715,919,864 129 14,493,074
6 67.6 7.3 65.4 86 9,392,750 29,626 3,345,282,103 127 14,367,599
7+ 63.1 4.2 62.9 221 24,854,052 64,800 7,322,556,137 350 39,483,633
Total 60.7 2.4 60.6 639 71,940,302 272,472 30,714,488,276 1,053 118,646,130
By Issue Age
20-24 72.1 20.8 66.1 12 1,225,000 18,432 2,053,414,641 17 1,852,931
25-29 47.9 8.7 47.1 30 3,300,000 45,936 5,135,461,380 63 7,006,751
30-34 58.4 6.9 58.5 71 8,057,000 57,951 6,541,349,548 122 13,780,471
35-39 69.8 6.2 71.5 128 14,867,052 56,784 6,436,195,643 183 20,794,771
40-44 71.0 5.6 72.3 160 18,550,750 45,531 5,181,328,802 226 25,666,716
45-49 58.9 5.3 58.9 125 14,100,500 28,800 3,245,458,777 213 23,946,156
50-54 47.1 5.7 44.7 68 7,275,000 13,652 1,530,307,441 145 16,283,738
55-59 50.7 8.7 47.1 34 3,490,000 4,515 498,279,387 67 7,406,215
60-64 52.9 18.7 54.1 8 875,000 759 81,220,749 15 1,618,726
65+ 70.5 49.9 69.0 2 200,000 112 11,471,907 3 289,654
Total 60.7 2.4 60.6 639 71,940,302 272,472 30,714,488,276 1,053 118,646,130
By Attained Age
20-24 83.2 41.6 74.2 4 400,000 6,848 768,079,754 5 539,130
25-29 54.8 13.7 51.5 16 1,675,000 28,617 3,184,486,754 29 3,252,156
30-34 46.0 7.9 44.1 34 3,650,000 47,903 5,362,403,339 74 8,273,901
35-39 60.6 6.8 62.0 79 9,150,000 55,890 6,324,776,192 130 14,766,048
40-44 66.0 6.0 69.5 120 14,359,052 51,280 5,825,947,292 182 20,663,655
45-49 75.0 5.9 74.5 161 18,196,250 39,896 4,535,466,335 215 24,409,657
50-54 57.3 5.4 55.6 113 12,340,000 24,872 2,805,143,015 197 22,176,536
55-59 46.6 5.9 46.0 63 6,920,000 11,982 1,335,873,922 135 15,052,726
60-64 61.7 9.8 58.5 40 4,200,000 4,178 462,540,082 65 7,176,831
65+ 42.0 14.0 45.0 9 1,050,000 1,004 109,771,591 21 2,335,492
Total 60.7 2.4 60.6 639 71,940,302 272,472 30,714,488,276 1,053 118,646,130

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 3.36     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 50.5 20.6 36.3 6 1,500,000 4,027 1,354,962,836 12 4,126,639
2 25.4 14.5 37.2 3 1,510,000 3,687 1,227,484,122 12 4,060,975
3 48.7 19.9 73.4 6 3,010,000 3,422 1,129,138,913 12 4,102,667
4 71.0 23.7 71.7 9 3,000,000 3,169 1,039,441,462 13 4,185,108
5 96.1 27.7 82.6 12 3,375,000 2,845 924,992,193 12 4,086,128
6 118.7 31.7 156.6 14 5,980,000 2,466 792,588,274 12 3,817,434
7+ 52.9 13.2 48.3 16 4,660,000 5,264 1,673,085,993 30 9,654,046
Total 63.9 7.9 67.7 66 23,035,000 24,880 8,141,693,794 103 34,032,995
By Issue Age
20-24 0.0 0.0 0.0 0 0 974 281,707,281 1 238,715
25-29 78.4 45.0 164.5 3 2,010,000 2,884 907,511,835 4 1,221,659
30-34 37.9 19.0 29.5 4 1,000,000 5,059 1,632,739,381 11 3,384,628
35-39 47.3 15.8 50.2 9 3,175,000 6,013 1,999,750,217 19 6,329,116
40-44 69.6 16.9 59.8 17 4,890,000 4,999 1,684,891,408 24 8,171,918
45-49 46.1 14.6 54.5 10 3,800,000 2,995 973,388,786 22 6,973,978
50-54 99.1 26.5 98.4 14 4,710,000 1,385 470,880,539 14 4,787,175
55-59 120.6 40.2 141.6 9 3,450,000 501 165,599,420 7 2,437,050
60+ 0.0 0.0 0.0 0 0 71 25,224,927 1 488,758
Total 63.9 7.9 67.7 66 23,035,000 24,880 8,141,693,794 103 34,032,995
By Attained Age
20-24 0.0 0.0 0.0 0 0 468 136,169,346 0 94,295
25-29 0.0 0.0 0.0 0 0 1,737 529,028,683 2 542,576
30-34 54.6 31.3 111.5 3 2,010,000 3,575 1,157,034,420 6 1,803,022
35-39 73.0 24.3 56.4 9 2,275,000 5,228 1,707,055,308 12 4,032,561
40-44 25.9 11.5 30.5 5 2,010,000 5,462 1,852,239,820 19 6,598,749
45-49 66.3 17.1 72.8 15 5,430,000 4,191 1,381,714,232 23 7,456,890
50-54 57.4 16.6 50.0 12 3,410,000 2,636 861,038,059 21 6,817,158
55-59 130.3 32.6 153.9 16 6,200,000 1,088 356,272,655 12 4,029,873
60-64 76.0 34.0 64.8 5 1,400,000 420 137,843,905 7 2,160,430
65+ 62.7 62.7 60.3 1 300,000 75 23,297,365 2 497,442
Total 63.9 7.9 67.7 66 23,035,000 24,880 8,141,693,794 103 34,032,995

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.1     TOTAL EXPERIENCE BY ILLNESS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 66.2 1.3 70.2 2,723 231,817,662 1,469,197 129,436,934,782 4,115 330,456,633
Cardio 38.0 1.3 34.1 795 62,724,656 1,469,197 129,436,934,782 2,092 183,879,075
Organ 9.2 2.0 7.3 22 1,552,477 1,442,122 127,597,620,658 240 21,350,137
Neuro 29.5 2.3 41.3 171 19,476,920 1,442,039 127,591,403,855 579 47,173,950
Accident/Infectious 47.6 7.5 63.7 40 4,680,000 1,445,493 127,818,390,552 84 7,343,715
LOIE 9.4 6.6 38.4 2 700,000 381,754 32,112,306,655 21 1,822,563
Non-LT 15.4 5.6 15.9 8 707,250 880,371 14,148,673,700 49 4,446,129
Total 52.4 0.9 53.9 3,761 321,658,965 8,530,173 688,142,264,983 7,180 596,472,202

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.2     TOTAL EXPERIENCE BY ILLNESS -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 64.7 1.9 68.8 1,109 109,606,785 712,768 70,877,156,609 1,714 159,357,057
Cardio 40.8 1.6 36.2 625 52,831,181 712,768 70,877,156,609 1,533 145,826,270
Organ 12.9 3.0 9.2 19 1,337,477 698,472 69,814,443,429 147 14,514,855
Neuro 32.7 3.7 46.2 80 10,715,829 698,438 69,811,676,352 244 23,205,046
Accident/Infectious 43.2 9.7 62.6 20 2,845,000 700,307 69,938,699,047 46 4,547,886
LOIE 0.0 0.0 0.0 0 0 181,612 17,852,952,097 11 1,081,248
Non-LT 14.4 6.9 15.1 4 450,350 431,014 7,682,419,364 30 2,992,208
Total 49.9 1.2 50.6 1,857 177,786,622 4,135,378 376,854,503,507 3,725 351,524,571

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.3     TOTAL EXPERIENCE BY ILLNESS -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 67.2 1.7 71.4 1,614 122,210,877 756,429 58,559,778,172 2,401 171,099,576
Cardio 30.4 2.3 26.0 170 9,893,475 756,429 58,559,778,172 560 38,052,805
Organ 3.2 1.9 3.1 3 215,000 743,650 57,783,177,229 92 6,835,282
Neuro 27.2 2.9 36.6 91 8,761,091 743,601 57,779,727,503 334 23,968,904
Accident/Infectious 53.1 11.9 65.6 20 1,835,000 745,187 57,879,691,506 38 2,795,829
LOIE 18.7 13.2 94.4 2 700,000 200,142 14,259,354,558 11 741,315
Non-LT 16.8 9.4 17.7 3 256,900 449,358 6,466,254,336 19 1,453,921
Total 55.1 1.3 58.7 1,903 143,872,343 4,394,795 311,287,761,476 3,455 244,947,632

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.4     TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 82.5 5.1 83.0 266 14,801,515 147,291 9,329,181,665 322 17,823,350
Cardio 89.1 7.4 88.3 147 8,809,213 147,291 9,329,181,665 165 9,975,908
Organ 13.9 8.0 6.3 3 85,000 144,001 9,168,389,438 22 1,353,789
Neuro 48.8 10.2 70.0 23 1,907,250 143,996 9,168,189,438 47 2,724,410
Accident/Infectious 36.7 21.2 47.7 3 250,000 144,441 9,194,667,410 8 523,841
LOIE 0.0 0.0 0.0 0 0 36,324 2,211,532,006 2 110,501
Non-LT 24.1 27.0 20.1 1 44,000 77,083 826,557,898 3 218,440
Total 77.8 3.7 79.1 443 25,896,978 840,427 49,227,699,518 569 32,730,239

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.5     TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 71.7 7.2 77.2 100 6,924,623 81,631 5,780,631,325 140 8,970,355
Cardio 95.8 8.7 93.3 120 7,593,085 81,631 5,780,631,325 125 8,139,971
Organ 14.1 9.9 3.6 2 35,000 79,743 5,684,416,626 14 980,457
Neuro 70.3 18.2 94.3 15 1,347,250 79,743 5,684,416,626 21 1,428,671
Accident/Infectious 58.4 33.7 68.6 3 250,000 80,035 5,702,009,452 5 364,313
LOIE 0.0 0.0 0.0 0 0 20,403 1,413,795,808 1 72,707
Non-LT 23.2 32.8 20.7 0 32,000 44,032 511,012,753 2 154,681
Total 77.9 5.0 80.5 240 16,181,958 467,218 30,556,913,915 309 20,111,154

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.6     TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 90.9 7.1 89.0 166 7,876,892 65,659 3,548,550,340 183 8,852,995
Cardio 68.1 13.1 66.2 27 1,216,128 65,659 3,548,550,340 40 1,835,937
Organ 13.6 13.6 13.4 1 50,000 64,258 3,483,972,812 7 373,332
Neuro 31.0 11.0 43.2 8 560,000 64,253 3,483,772,812 26 1,295,740
Accident/Infectious 0.0 0.0 0.0 0 0 64,406 3,492,657,957 3 159,529
LOIE 0.0 0.0 0.0 0 0 15,922 797,736,198 1 37,794
Non-LT 25.8 47.1 18.8 0 12,000 33,050 315,545,146 1 63,758
Total 77.7 5.5 77.0 202 9,715,020 373,209 18,670,785,604 261 12,619,085

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.7     TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 64.8 1.3 69.4 2,457 217,016,147 1,321,906 120,107,753,117 3,793 312,633,283
Cardio 33.6 1.3 31.0 648 53,915,443 1,321,906 120,107,753,117 1,927 173,903,167
Organ 8.7 2.0 7.3 19 1,467,477 1,298,121 118,429,231,220 218 19,996,348
Neuro 27.8 2.3 39.5 148 17,569,670 1,298,043 118,423,214,417 532 44,449,540
Accident/Infectious 48.8 8.0 65.0 37 4,430,000 1,301,052 118,623,723,143 76 6,819,873
LOIE 10.3 7.3 40.9 2 700,000 345,430 29,900,774,649 19 1,712,063
Non-LT 14.7 5.7 15.7 7 663,250 803,289 13,322,115,802 46 4,227,689
Total 50.2 0.9 52.5 3,318 295,761,987 7,689,746 638,914,565,464 6,611 563,741,963

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.8     TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 64.1 2.0 68.3 1,009 102,682,162 631,136 65,096,525,284 1,574 150,386,702
Cardio 35.9 1.6 32.9 505 45,238,096 631,136 65,096,525,284 1,407 137,686,299
Organ 12.8 3.1 9.6 17 1,302,477 618,730 64,130,026,803 133 13,534,398
Neuro 29.1 3.6 43.0 65 9,368,579 618,695 64,127,259,726 223 21,776,376
Accident/Infectious 41.3 10.0 62.0 17 2,595,000 620,272 64,236,689,594 41 4,183,573
LOIE 0.0 0.0 0.0 0 0 161,209 16,439,156,289 10 1,008,541
Non-LT 13.7 7.0 14.7 4 418,350 386,981 7,171,406,611 28 2,837,527
Total 47.3 1.2 48.8 1,617 161,604,664 3,668,160 346,297,589,592 3,416 331,413,416

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 4.9     TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 65.3 1.7 70.5 1,448 114,333,985 690,770 55,011,227,832 2,219 162,246,581
Cardio 27.5 2.3 24.0 143 8,677,347 690,770 55,011,227,832 520 36,216,868
Organ 2.4 1.7 2.6 2 165,000 679,391 54,299,204,417 85 6,461,950
Neuro 26.9 3.0 36.2 83 8,201,091 679,348 54,295,954,691 309 22,673,165
Accident/Infectious 57.7 12.9 69.6 20 1,835,000 680,780 54,387,033,549 35 2,636,300
LOIE 20.2 14.3 99.5 2 700,000 184,220 13,461,618,360 10 703,521
Non-LT 16.2 9.6 17.6 3 244,900 416,307 6,150,709,190 18 1,390,162
Total 53.2 1.3 57.7 1,701 134,157,323 4,021,586 292,616,975,872 3,195 232,328,547

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.1     HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 40.9 6.5 39.8 40 3,446,000 220,053 19,080,594,980 98 8,664,711
2 39.0 6.2 33.2 40 3,051,250 200,162 17,654,703,330 102 9,178,904
3 43.2 6.2 42.4 49 4,296,849 190,594 16,931,106,811 113 10,137,899
4 44.5 6.0 32.8 56 3,668,000 183,290 16,242,377,553 126 11,179,833
5 44.6 5.8 40.1 60 4,757,247 173,168 15,208,262,556 135 11,856,667
6 51.5 6.2 43.3 70 5,203,771 155,368 13,651,243,134 136 12,016,123
7+ 43.7 3.3 38.1 177 13,807,418 346,562 30,668,646,418 405 36,244,815
Total 44.1 2.0 38.5 492 38,230,535 1,469,197 129,436,934,782 1,115 99,278,953

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.2     MALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 49.8 8.2 46.7 37 3,321,000 104,775 10,347,110,284 74 7,112,771
2 46.1 7.7 38.4 36 2,891,250 96,357 9,621,901,628 78 7,538,483
3 47.5 7.4 47.0 41 3,907,849 92,354 9,246,494,839 86 8,308,736
4 49.2 7.2 35.7 47 3,263,000 89,076 8,882,307,845 95 9,129,862
5 48.1 6.9 41.6 49 4,010,720 84,197 8,301,601,281 102 9,646,879
6 55.8 7.4 44.0 57 4,284,643 75,488 7,476,842,894 102 9,748,081
7+ 49.4 4.0 41.4 150 12,100,652 170,521 17,000,897,839 304 29,239,878
Total 49.5 2.4 41.8 417 33,779,114 712,768 70,877,156,609 842 80,724,691

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.3     FEMALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 12.8 7.4 8.1 3 125,000 115,278 8,733,484,696 23 1,551,940
2 16.4 8.2 9.8 4 160,000 103,806 8,032,801,702 24 1,640,421
3 29.6 10.5 21.3 8 389,000 98,240 7,684,611,972 27 1,829,163
4 29.7 9.9 19.8 9 405,000 94,214 7,360,069,708 30 2,049,971
5 33.6 10.1 33.8 11 746,527 88,971 6,906,661,275 33 2,209,788
6 38.6 10.7 40.5 13 919,128 79,880 6,174,400,241 34 2,268,042
7+ 26.5 5.1 24.4 27 1,706,766 176,041 13,667,748,578 102 7,004,937
Total 27.4 3.2 24.0 75 4,451,421 756,429 58,559,778,172 273 18,554,262

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.4     HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 112.8 35.7 142.8 10 775,000 24,015 1,536,335,485 9 542,569
2 88.3 31.2 69.4 8 375,000 21,106 1,349,181,921 9 540,005
3 151.0 39.0 122.3 15 719,500 19,780 1,252,639,905 10 588,347
4 104.1 31.4 78.5 11 490,000 18,522 1,158,780,031 11 624,239
5 100.7 30.4 86.7 11 560,000 17,084 1,055,016,769 11 645,716
6 128.7 34.4 106.1 14 700,628 15,123 943,060,649 11 660,148
7+ 149.4 22.0 153.1 46 3,016,085 31,661 2,034,166,904 31 1,969,848
Total 126.3 11.8 119.1 115 6,636,213 147,291 9,329,181,665 91 5,570,872

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.5     MALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 141.3 44.7 167.0 10 775,000 13,794 985,068,598 7 464,073
2 110.7 39.1 81.7 8 375,000 11,993 852,313,448 7 459,051
3 189.7 49.0 144.5 15 719,500 11,078 780,549,850 8 497,755
4 120.4 38.1 89.9 10 470,000 10,184 709,130,490 8 522,924
5 93.8 33.2 66.0 8 355,000 9,265 638,087,029 9 537,831
6 106.1 35.4 80.9 9 446,500 8,174 573,698,109 8 551,692
7+ 167.2 26.4 167.2 40 2,742,085 17,144 1,241,783,802 24 1,640,054
Total 139.9 14.0 125.9 100 5,883,085 81,631 5,780,631,325 71 4,673,380

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.6     FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 10,221 551,266,887 2 78,496
2 0.0 0.0 0.0 0 0 9,113 496,868,473 2 80,954
3 0.0 0.0 0.0 0 0 8,702 472,090,055 2 90,592
4 44.2 44.2 19.7 1 20,000 8,338 449,649,541 2 101,315
5 125.1 72.2 190.0 3 205,000 7,819 416,929,741 2 107,885
6 208.9 93.4 234.3 5 254,128 6,949 369,362,541 2 108,456
7+ 87.3 35.7 83.1 6 274,000 14,517 792,383,102 7 329,794
Total 76.7 19.8 83.9 15 753,128 65,659 3,548,550,340 20 897,492

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.7     HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.7 6.2 32.9 30 2,671,000 196,038 17,544,259,495 89 8,122,142
2 34.3 6.1 31.0 32 2,676,250 179,056 16,305,521,408 93 8,638,900
3 32.9 5.6 37.5 34 3,577,349 170,813 15,678,466,906 103 9,549,552
4 39.1 5.8 30.1 45 3,178,000 164,768 15,083,597,521 115 10,555,594
5 39.6 5.7 37.4 49 4,197,247 156,084 14,153,245,787 124 11,210,951
6 44.8 6.0 39.7 56 4,503,143 140,245 12,708,182,485 125 11,355,976
7+ 35.0 3.1 31.5 131 10,791,333 314,901 28,634,479,514 374 34,274,967
Total 36.8 1.9 33.7 377 31,594,322 1,321,906 120,107,753,117 1,024 93,708,081

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.8     MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 40.1 7.7 38.3 27 2,546,000 90,981 9,362,041,685 67 6,648,698
2 39.5 7.5 35.5 28 2,516,250 84,364 8,769,588,180 71 7,079,432
3 33.2 6.5 40.8 26 3,188,349 81,276 8,465,944,989 78 7,810,980
4 42.5 7.0 32.5 37 2,793,000 78,892 8,173,177,355 87 8,606,938
5 43.9 6.9 40.1 41 3,655,720 74,933 7,663,514,252 93 9,109,048
6 51.2 7.4 41.7 48 3,838,143 67,315 6,903,144,785 94 9,196,390
7+ 39.3 3.8 33.9 110 9,358,567 153,376 15,759,114,038 280 27,599,824
Total 41.2 2.3 36.7 317 27,896,029 631,136 65,096,525,284 770 76,051,311

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 5.9     FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 13.8 8.0 8.5 3 125,000 105,057 8,182,217,809 22 1,473,444
2 17.7 8.9 10.3 4 160,000 94,693 7,535,933,228 23 1,559,467
3 32.0 11.3 22.4 8 389,000 89,538 7,212,521,917 25 1,738,572
4 28.5 10.1 19.8 8 385,000 85,876 6,910,420,167 28 1,948,655
5 26.3 9.3 25.8 8 541,527 81,152 6,489,731,535 30 2,101,903
6 25.6 9.0 30.8 8 665,000 72,930 5,805,037,700 31 2,159,586
7+ 22.1 4.8 21.5 21 1,432,766 161,524 12,875,365,476 95 6,675,143
Total 23.6 3.1 20.9 60 3,698,293 690,770 55,011,227,832 254 17,656,770

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.1     LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.8 2.8 31.8 112 9,370,000 220,053 19,080,594,980 376 29,449,971
2 64.9 4.1 72.5 248 22,081,970 200,162 17,654,703,330 382 30,450,044
3 68.5 4.1 73.4 283 24,262,830 190,594 16,931,106,811 413 33,039,839
4 66.4 3.8 69.5 300 25,045,284 183,290 16,242,377,553 452 36,056,780
5 71.7 3.9 76.4 344 29,036,470 173,168 15,208,262,556 480 38,022,501
6 70.9 3.8 76.5 342 29,374,030 155,368 13,651,243,134 482 38,404,663
7+ 72.2 2.3 74.1 1,025 85,867,632 346,562 30,668,646,418 1,419 115,864,528
Total 66.3 1.3 70.0 2,654 225,038,216 1,469,197 129,436,934,782 4,004 321,288,326

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.2     MALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.2 4.6 31.1 40 3,980,000 104,775 10,347,110,284 137 12,797,517
2 62.7 6.6 77.1 90 10,458,367 96,357 9,621,901,628 144 13,559,130
3 62.3 6.2 66.5 100 9,989,640 92,354 9,246,494,839 160 15,020,489
4 63.5 5.9 65.1 115 10,899,043 89,076 8,882,307,845 181 16,753,783
5 74.6 6.1 75.1 147 13,515,264 84,197 8,301,601,281 197 18,003,692
6 61.1 5.5 66.3 124 12,364,485 75,488 7,476,842,894 203 18,637,489
7+ 71.4 3.3 75.1 463 45,380,213 170,521 17,000,897,839 649 60,400,983
Total 64.6 2.0 68.7 1,079 106,587,012 712,768 70,877,156,609 1,671 155,173,083

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.3     FEMALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.1 3.6 32.4 72 5,390,000 115,278 8,733,484,696 239 16,652,454
2 66.3 5.3 68.8 158 11,623,603 103,806 8,032,801,702 238 16,890,913
3 72.4 5.4 79.2 183 14,273,190 98,240 7,684,611,972 253 18,019,350
4 68.2 5.0 73.3 185 14,146,241 94,214 7,360,069,708 271 19,302,996
5 69.8 5.0 77.5 197 15,521,206 88,971 6,906,661,275 282 20,018,808
6 78.1 5.3 86.0 218 17,009,545 79,880 6,174,400,241 279 19,767,175
7+ 73.0 3.1 73.0 562 40,487,419 176,041 13,667,748,578 770 55,463,546
Total 67.5 1.7 71.3 1,575 118,451,204 756,429 58,559,778,172 2,333 166,115,243

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.4     LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 55.5 13.1 66.4 18 1,185,000 24,015 1,536,335,485 32 1,785,531
2 68.4 14.6 78.1 22 1,365,133 21,106 1,349,181,921 32 1,747,754
3 98.8 16.9 98.2 34 1,822,508 19,780 1,252,639,905 34 1,855,965
4 54.8 12.2 62.9 20 1,230,755 18,522 1,158,780,031 37 1,957,208
5 98.7 16.2 136.9 37 2,739,605 17,084 1,055,016,769 38 2,000,830
6 89.5 15.6 80.3 33 1,605,000 15,123 943,060,649 37 1,998,695
7+ 89.8 9.4 72.9 92 4,300,644 31,661 2,034,166,904 102 5,899,140
Total 82.0 5.1 82.6 256 14,248,645 147,291 9,329,181,665 312 17,245,123

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.5     MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 66.9 22.3 79.0 9 700,000 13,794 985,068,598 13 885,599
2 82.1 24.7 102.2 11 875,000 11,993 852,313,448 13 855,948
3 103.3 26.7 87.9 15 798,508 11,078 780,549,850 15 908,723
4 32.8 14.7 55.5 5 525,000 10,184 709,130,490 15 945,851
5 95.7 24.7 144.6 15 1,394,600 9,265 638,087,029 16 964,335
6 57.2 19.1 51.4 9 510,000 8,174 573,698,109 16 991,722
7+ 72.1 12.4 61.6 34 1,921,515 17,144 1,241,783,802 47 3,118,376
Total 72.5 7.3 77.6 98 6,724,623 81,631 5,780,631,325 135 8,670,555

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.6     FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 47.3 15.8 53.9 9 485,000 10,221 551,266,887 19 899,931
2 58.6 17.7 55.0 11 490,133 9,113 496,868,473 19 891,806
3 95.6 21.9 108.1 19 1,024,000 8,702 472,090,055 20 947,243
4 70.5 18.2 69.8 15 705,755 8,338 449,649,541 21 1,011,358
5 100.8 21.5 129.8 22 1,345,005 7,819 416,929,741 22 1,036,495
6 113.6 23.2 108.7 24 1,095,000 6,949 369,362,541 21 1,006,972
7+ 104.9 13.8 85.6 58 2,379,129 14,517 792,383,102 55 2,780,764
Total 89.2 7.1 87.7 158 7,524,022 65,659 3,548,550,340 177 8,574,569

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.7     LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 2.8 29.6 94 8,185,000 196,038 17,544,259,495 343 27,664,441
2 64.6 4.3 72.2 226 20,716,837 179,056 16,305,521,408 350 28,702,289
3 65.8 4.2 72.0 249 22,440,322 170,813 15,678,466,906 379 31,183,874
4 67.4 4.0 69.8 280 23,814,529 164,768 15,083,597,521 416 34,099,571
5 69.4 4.0 73.0 307 26,296,865 156,084 14,153,245,787 442 36,021,671
6 69.4 3.9 76.3 309 27,769,030 140,245 12,708,182,485 445 36,405,969
7+ 70.9 2.3 74.2 933 81,566,988 314,901 28,634,479,514 1,316 109,965,388
Total 65.0 1.3 69.3 2,398 210,789,571 1,321,906 120,107,753,117 3,691 304,043,203

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.8     MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.1 4.5 27.5 31 3,280,000 90,981 9,362,041,685 123 11,911,918
2 60.7 6.8 75.4 79 9,583,367 84,364 8,769,588,180 130 12,703,182
3 58.3 6.3 65.1 85 9,191,132 81,276 8,465,944,989 146 14,111,766
4 66.4 6.3 65.6 110 10,374,043 78,892 8,173,177,355 166 15,807,933
5 72.7 6.3 71.1 132 12,120,664 74,933 7,663,514,252 182 17,039,357
6 61.4 5.7 67.2 115 11,854,485 67,315 6,903,144,785 187 17,645,766
7+ 71.3 3.4 75.9 429 43,458,698 153,376 15,759,114,038 602 57,282,606
Total 63.9 2.0 68.2 981 99,862,389 631,136 65,096,525,284 1,536 146,502,529

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 6.9     FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.6 3.6 31.1 63 4,905,000 105,057 8,182,217,809 220 15,752,523
2 66.9 5.5 69.6 147 11,133,470 94,693 7,535,933,228 220 15,999,107
3 70.5 5.5 77.6 164 13,249,190 89,538 7,212,521,917 233 17,072,108
4 68.0 5.2 73.5 170 13,440,486 85,876 6,910,420,167 250 18,291,639
5 67.2 5.1 74.7 175 14,176,201 81,152 6,489,731,535 261 18,982,313
6 75.2 5.4 84.8 194 15,914,545 72,930 5,805,037,700 258 18,760,203
7+ 70.5 3.1 72.3 504 38,108,290 161,524 12,875,365,476 715 52,682,782
Total 65.7 1.7 70.4 1,417 110,927,182 690,770 55,011,227,832 2,156 157,540,674

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.1     STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.0 6.4 15.8 8 584,000 220,053 19,080,594,980 44 3,706,925
2 28.5 7.9 21.9 13 845,000 200,162 17,654,703,330 46 3,860,177
3 30.1 7.8 34.7 15 1,460,000 190,594 16,931,106,811 50 4,208,382
4 45.6 9.1 53.3 25 2,455,000 183,290 16,242,377,553 55 4,607,958
5 32.4 7.4 27.7 19 1,350,700 173,168 15,208,262,556 59 4,871,802
6 28.7 7.0 26.1 17 1,287,491 155,368 13,651,243,134 59 4,940,925
7+ 38.0 4.6 37.3 68 5,636,813 346,562 30,668,646,418 179 15,119,284
Total 33.6 2.6 33.0 165 13,619,004 1,469,197 129,436,934,782 492 41,315,452

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.2     MALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 12.2 7.0 13.2 3 310,000 104,775 10,347,110,284 25 2,342,252
2 15.5 7.8 12.1 4 300,000 96,357 9,621,901,628 26 2,473,111
3 31.6 10.5 29.0 9 790,000 92,354 9,246,494,839 29 2,721,501
4 47.3 12.2 60.7 15 1,820,000 89,076 8,882,307,845 32 3,000,090
5 35.1 10.1 30.6 12 975,700 84,197 8,301,601,281 34 3,185,985
6 23.1 8.2 24.1 8 785,000 75,488 7,476,842,894 35 3,250,997
7+ 40.2 6.1 41.2 43 4,165,000 170,521 17,000,897,839 107 10,112,400
Total 32.8 3.4 33.8 94 9,145,700 712,768 70,877,156,609 286 27,086,337

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.3     FEMALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.2 11.3 20.1 5 274,000 115,278 8,733,484,696 20 1,364,672
2 45.2 15.1 39.3 9 545,000 103,806 8,032,801,702 20 1,387,066
3 28.2 11.5 45.1 6 670,000 98,240 7,684,611,972 21 1,486,880
4 43.3 13.7 39.5 10 635,000 94,214 7,360,069,708 23 1,607,867
5 28.6 10.8 22.2 7 375,000 88,971 6,906,661,275 24 1,685,817
6 36.5 12.2 29.7 9 502,491 79,880 6,174,400,241 25 1,689,928
7+ 34.6 6.9 29.4 25 1,471,813 176,041 13,667,748,578 72 5,006,884
Total 34.6 4.1 31.4 71 4,473,304 756,429 58,559,778,172 205 14,229,115

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.4     STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 24,015 1,536,335,485 4 232,500
2 75.7 43.7 81.3 3 185,000 21,106 1,349,181,921 4 227,651
3 0.0 0.0 0.0 0 0 19,780 1,252,639,905 4 243,090
4 66.5 38.4 54.8 3 140,000 18,522 1,158,780,031 5 255,511
5 43.1 30.4 57.3 2 150,000 17,084 1,055,016,769 5 261,844
6 65.3 37.7 75.7 3 200,000 15,123 943,060,649 5 264,144
7+ 61.4 21.7 103.0 8 810,000 31,661 2,034,166,904 13 786,298
Total 48.7 11.2 65.4 19 1,485,000 147,291 9,329,181,665 39 2,271,037

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.5     MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 13,794 985,068,598 2 158,467
2 0.0 0.0 0.0 0 0 11,993 852,313,448 2 154,642
3 0.0 0.0 0.0 0 0 11,078 780,549,850 3 165,309
4 73.1 51.7 52.3 2 90,000 10,184 709,130,490 3 172,148
5 35.6 35.6 71.0 1 125,000 9,265 638,087,029 3 175,933
6 35.8 35.8 55.5 1 100,000 8,174 573,698,109 3 180,053
7+ 74.2 30.3 142.1 6 775,000 17,144 1,241,783,802 8 545,532
Total 41.9 13.3 70.2 10 1,090,000 81,631 5,780,631,325 24 1,552,085

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.6     FEMALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 10,221 551,266,887 2 74,033
2 193.6 111.8 253.4 3 185,000 9,113 496,868,473 2 73,009
3 0.0 0.0 0.0 0 0 8,702 472,090,055 2 77,781
4 56.3 56.3 60.0 1 50,000 8,338 449,649,541 2 83,363
5 54.4 54.4 29.1 1 25,000 7,819 416,929,741 2 85,911
6 111.2 78.6 118.9 2 100,000 6,949 369,362,541 2 84,090
7+ 40.4 28.6 14.5 2 35,000 14,517 792,383,102 5 240,766
Total 59.5 19.8 54.9 9 395,000 65,659 3,548,550,340 15 718,952

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.7     STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.8 7.0 16.8 8 584,000 196,038 17,544,259,495 40 3,474,425
2 24.0 7.6 18.2 10 660,000 179,056 16,305,521,408 42 3,632,526
3 33.0 8.5 36.8 15 1,460,000 170,813 15,678,466,906 45 3,965,292
4 43.7 9.3 53.2 22 2,315,000 164,768 15,083,597,521 50 4,352,447
5 31.5 7.6 26.0 17 1,200,700 156,084 14,153,245,787 54 4,609,958
6 25.6 6.8 23.3 14 1,087,491 140,245 12,708,182,485 55 4,676,782
7+ 36.1 4.7 33.7 60 4,826,813 314,901 28,634,479,514 166 14,332,986
Total 32.2 2.7 31.1 146 12,134,004 1,321,906 120,107,753,117 453 39,044,415

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.8     MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 13.5 7.8 14.2 3 310,000 90,981 9,362,041,685 22 2,183,785
2 17.1 8.6 12.9 4 300,000 84,364 8,769,588,180 23 2,318,469
3 34.8 11.6 30.9 9 790,000 81,276 8,465,944,989 26 2,556,192
4 44.8 12.4 61.2 13 1,730,000 78,892 8,173,177,355 29 2,827,942
5 35.1 10.6 28.3 11 850,700 74,933 7,663,514,252 31 3,010,052
6 22.0 8.3 22.3 7 685,000 67,315 6,903,144,785 32 3,070,944
7+ 37.4 6.2 35.4 37 3,390,000 153,376 15,759,114,038 99 9,566,868
Total 32.0 3.5 31.5 84 8,055,700 631,136 65,096,525,284 263 25,534,252

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 7.9     FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 12.2 21.2 5 274,000 105,057 8,182,217,809 18 1,290,640
2 32.7 13.4 27.4 6 360,000 94,693 7,535,933,228 18 1,314,057
3 30.6 12.5 47.5 6 670,000 89,538 7,212,521,917 20 1,409,099
4 42.2 14.1 38.4 9 585,000 85,876 6,910,420,167 21 1,524,505
5 26.5 10.8 21.9 6 350,000 81,152 6,489,731,535 23 1,599,906
6 30.6 11.6 25.1 7 402,491 72,930 5,805,037,700 23 1,605,838
7+ 34.2 7.1 30.1 23 1,436,813 161,524 12,875,365,476 67 4,766,118
Total 32.6 4.1 30.2 62 4,078,304 690,770 55,011,227,832 190 13,510,163

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.1     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 3.7 27.0 58 5,313,600 77,033 7,338,797,256 207 19,647,795
2 44.2 4.8 54.2 86 10,162,000 63,856 6,213,915,769 195 18,749,879
3 52.8 5.2 44.6 105 8,736,700 55,855 5,640,409,906 199 19,592,748
4 47.2 4.6 47.6 105 10,504,490 52,581 5,377,357,040 223 22,049,694
5 53.4 4.7 52.8 131 12,608,700 49,578 5,030,384,565 246 23,902,111
6 58.4 4.9 58.2 142 13,410,000 42,954 4,291,381,465 243 23,050,325
7+ 53.7 3.3 51.2 265 21,852,719 72,822 6,736,451,824 494 42,667,035
Total 49.4 1.7 48.7 893 82,588,209 414,680 40,628,697,826 1,807 169,659,586
By Issue Age
20-24 52.4 15.8 56.8 11 1,085,000 26,634 2,433,877,193 21 1,910,140
25-29 51.7 8.6 65.4 36 4,230,000 60,191 5,611,690,838 70 6,466,230
30-34 53.6 6.3 47.1 73 6,487,700 77,087 7,852,206,659 137 13,780,137
35-39 52.2 4.7 51.3 121 12,465,000 81,588 8,664,348,220 232 24,306,880
40-44 52.4 3.8 49.8 187 18,037,719 75,554 7,750,949,710 358 36,187,765
45-49 49.0 3.4 46.0 211 18,479,090 55,434 5,166,588,345 431 40,156,515
50-54 46.1 3.7 47.7 155 13,841,100 27,155 2,310,270,676 337 29,044,858
55-59 47.0 5.2 47.7 80 6,617,600 9,115 705,510,201 171 13,867,521
60+ 34.8 8.2 34.1 18 1,345,000 1,922 133,255,983 52 3,939,540
Total 49.4 1.7 48.7 893 82,588,209 414,680 40,628,697,826 1,807 169,659,586
By Attained Age
20-24 34.9 20.2 32.8 3 250,000 12,873 1,147,409,025 9 761,622
25-29 56.6 11.8 48.4 23 1,775,000 43,510 3,967,939,186 41 3,669,088
30-34 47.9 7.2 60.8 44 5,365,000 66,066 6,433,989,971 92 8,831,171
35-39 47.1 5.5 44.0 74 7,152,700 75,096 7,869,951,305 158 16,243,835
40-44 51.6 4.5 45.1 129 11,927,500 74,951 8,024,218,461 250 26,475,602
45-49 53.2 3.8 56.0 196 20,586,319 67,132 6,717,179,776 368 36,762,730
50-54 48.7 3.5 39.7 194 14,629,590 44,857 4,098,789,142 397 36,861,142
55-59 44.0 3.9 53.5 129 13,287,000 21,157 1,720,534,090 294 24,827,618
60-64 54.1 6.0 55.6 80 6,345,100 7,294 528,795,090 148 11,420,855
65+ 41.9 9.1 33.4 21 1,270,000 1,743 119,891,779 50 3,805,924
Total 49.4 1.7 48.7 893 82,588,209 414,680 40,628,697,826 1,807 169,659,586

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.2     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.8 8.3 41.1 5 945,000 11,282 985,426,123 27 2,299,877
2 44.2 11.1 44.0 16 1,375,000 12,853 1,157,319,209 36 3,122,949
3 39.5 9.3 43.0 18 1,695,000 13,933 1,273,736,849 46 3,942,562
4 43.5 8.5 33.3 26 1,745,000 15,952 1,491,280,229 60 5,244,071
5 57.7 8.7 58.3 44 4,145,000 17,473 1,700,632,973 76 7,115,307
6 52.0 7.5 46.0 48 4,170,750 18,191 1,836,954,719 92 9,058,857
7+ 63.7 4.7 59.2 187 18,874,500 45,348 4,906,645,711 294 31,879,944
Total 54.5 2.9 52.6 344 32,950,250 135,031 13,351,995,812 631 62,663,567
By Issue Age
20-24 59.1 29.5 59.2 4 350,000 8,112 710,262,273 7 591,658
25-29 56.8 15.2 76.0 14 1,736,500 19,977 1,840,234,993 25 2,285,855
30-34 73.2 12.0 69.9 37 3,705,000 26,112 2,713,679,651 51 5,297,004
35-39 61.8 8.4 61.1 54 5,670,000 27,867 2,952,161,379 87 9,276,326
40-44 63.1 6.9 62.6 83 8,758,750 24,756 2,578,992,059 132 13,996,871
45-49 50.2 5.9 43.1 72 5,880,000 16,474 1,507,218,671 143 13,645,716
50-54 48.5 6.4 37.1 57 4,280,000 8,534 781,938,253 118 11,536,520
55+ 33.4 7.0 42.6 23 2,570,000 3,200 267,508,533 69 6,033,616
Total 54.5 2.9 52.6 344 32,950,250 135,031 13,351,995,812 631 62,663,567
By Attained Age
20-24 0.0 0.0 0.0 0 0 2,718 233,913,970 2 154,148
25-29 37.4 18.7 49.1 4 455,000 11,601 1,009,954,766 11 927,353
30-34 74.4 16.6 96.0 20 2,396,500 19,863 1,854,892,050 27 2,496,332
35-39 60.2 11.0 53.6 30 2,720,000 24,478 2,526,059,735 50 5,071,168
40-44 60.5 8.6 53.8 50 4,640,000 25,481 2,702,516,030 83 8,618,123
45-49 54.6 6.7 52.7 67 6,650,750 22,917 2,371,619,140 123 12,626,201
50-54 62.0 6.7 64.4 86 8,588,000 15,970 1,512,049,249 139 13,329,756
55-59 44.6 6.2 32.3 52 3,730,000 8,376 796,208,983 116 11,551,315
60-64 40.2 7.9 44.9 26 2,895,000 3,114 300,474,752 65 6,451,067
65+ 55.0 18.3 60.8 9 875,000 513 44,307,137 16 1,438,105
Total 54.5 2.9 52.6 344 32,950,250 135,031 13,351,995,812 631 62,663,567

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.3     TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-6 51.3 1.7 56.2 891 75,095,745 348,584 30,195,678,538 1,736 133,673,412
7+ 55.2 2.0 57.4 768 65,312,969 170,271 15,242,378,275 1,391 113,777,396
Total 53.1 1.3 56.7 1,659 140,408,714 518,855 45,438,056,813 3,127 247,450,807
By Issue Age
20-29 69.2 8.9 70.2 61 5,815,907 76,450 7,130,029,572 88 8,280,035
30-34 57.7 5.9 70.5 96 11,579,070 85,261 8,386,127,356 167 16,421,672
35-39 55.8 4.2 57.6 175 17,320,772 99,203 9,539,042,379 314 30,055,118
40-44 57.2 3.3 58.0 293 26,827,814 97,409 8,727,622,363 513 46,264,136
45-49 52.4 2.8 49.9 352 27,021,323 78,733 6,209,304,216 673 54,192,733
50-54 51.3 2.7 56.1 348 27,580,744 50,499 3,543,092,967 679 49,140,609
55-59 52.7 3.4 62.3 235 18,398,883 22,687 1,451,498,770 446 29,535,493
60+ 39.4 4.0 43.2 97 5,864,201 8,612 451,339,191 247 13,561,012
Total 53.1 1.3 56.7 1,659 140,408,714 518,855 45,438,056,813 3,127 247,450,807
By Attained Age
20-24 88.6 44.3 75.0 4 300,000 6,967 613,931,168 5 400,105
25-29 72.7 16.2 86.6 20 2,174,027 30,191 2,754,175,694 28 2,510,154
30-34 68.7 9.2 64.3 56 4,934,750 59,698 5,638,242,429 81 7,679,755
35-39 48.9 5.4 61.3 83 10,154,473 83,346 8,178,608,041 170 16,575,601
40-44 54.7 4.2 57.4 167 16,467,966 93,637 8,901,096,015 305 28,697,611
45-49 55.8 3.4 57.5 277 24,810,226 92,184 8,052,471,074 496 43,158,326
50-54 52.6 2.9 52.2 334 26,471,938 72,731 5,763,365,096 635 50,736,183
55-59 53.0 2.8 56.4 346 27,482,977 47,367 3,450,195,106 654 48,740,351
60-64 53.0 3.3 63.0 251 20,441,591 23,356 1,552,696,991 474 32,452,008
65+ 43.0 3.9 43.5 120 7,170,766 9,379 533,275,201 279 16,500,713
Total 53.1 1.3 56.7 1,659 140,408,714 518,855 45,438,056,813 3,127 247,450,807

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.4     TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.1 3.6 25.8 47 3,570,000 57,771 4,410,707,659 189 13,843,218
2 50.8 5.5 49.3 85 6,061,367 47,881 3,663,886,824 166 12,296,873
3 47.5 5.6 46.6 71 4,994,995 40,300 2,994,427,590 150 10,707,566
4 68.6 7.1 59.6 94 5,520,000 35,529 2,488,201,224 137 9,263,329
5 54.0 6.4 49.5 70 3,991,000 32,693 2,120,079,524 130 8,070,376
6 53.3 6.8 60.4 62 4,124,167 28,108 1,723,026,481 116 6,828,496
7+ 63.9 4.8 68.6 180 12,106,228 53,538 3,341,047,386 282 17,652,874
Total 52.1 2.1 51.3 609 40,367,757 295,820 20,741,376,688 1,170 78,662,733
By Issue Age
20-24 68.4 16.6 71.4 17 960,000 29,582 1,611,125,502 25 1,344,414
25-29 62.3 9.7 58.9 41 2,465,000 55,477 3,579,560,907 66 4,182,896
30-34 50.6 7.1 48.9 51 3,586,250 57,152 4,254,426,256 101 7,329,504
35-39 61.8 6.7 63.1 85 6,770,000 50,155 4,029,780,987 138 10,735,896
40-44 52.8 5.2 47.2 103 7,053,995 43,076 3,386,181,621 195 14,949,432
45-49 51.2 4.7 50.8 118 8,035,967 31,303 2,177,760,622 231 15,809,007
50-54 50.7 4.9 48.1 106 6,374,178 18,156 1,138,846,361 210 13,265,062
55-59 44.2 5.4 49.0 68 3,987,367 8,723 451,294,528 153 8,135,908
60-64 36.9 9.0 40.4 17 1,015,000 1,988 99,906,607 46 2,509,813
65+ 49.4 28.5 29.9 3 120,000 208 12,493,299 6 400,802
Total 52.1 2.1 51.3 609 40,367,757 295,820 20,741,376,688 1,170 78,662,733
By Attained Age
20-24 95.1 38.8 89.1 6 310,000 9,644 529,383,439 6 348,093
25-29 57.6 12.6 56.3 21 1,260,000 40,039 2,466,086,417 36 2,237,340
30-34 57.7 8.6 57.2 45 3,085,000 58,059 4,040,618,352 78 5,393,054
35-39 51.0 6.7 46.6 58 4,011,250 56,162 4,301,443,909 114 8,608,719
40-44 52.9 5.9 49.6 80 5,936,495 46,526 3,724,024,831 151 11,968,428
45-49 50.5 4.9 51.7 104 7,781,000 38,178 2,802,627,275 206 15,064,107
50-54 56.0 5.0 52.8 128 8,016,667 25,994 1,707,464,110 228 15,193,933
55-59 50.6 5.1 48.3 97 5,450,678 13,781 791,408,911 191 11,294,529
60-64 44.5 6.1 52.5 54 3,321,667 6,039 301,113,372 121 6,323,845
65+ 44.8 10.9 53.6 17 1,195,000 1,396 77,206,073 38 2,230,686
Total 52.1 2.1 51.3 609 40,367,757 295,820 20,741,376,688 1,170 78,662,733

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.5     MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.6 5.6 29.0 28 3,147,500 35,941 4,018,881,827 95 10,866,216
2 41.3 6.7 52.8 38 5,559,000 30,326 3,419,471,284 92 10,537,359
3 46.5 6.9 39.9 46 4,503,100 27,076 3,142,292,987 98 11,279,063
4 45.0 6.3 44.3 50 5,725,000 25,511 2,986,627,235 112 12,913,112
5 48.8 6.2 51.3 61 7,232,500 23,821 2,769,564,339 125 14,096,406
6 43.6 5.9 38.2 54 5,198,000 20,312 2,337,661,763 124 13,602,804
7+ 45.5 4.3 47.6 112 11,693,719 33,009 3,526,325,800 247 24,564,093
Total 43.6 2.2 44.0 389 43,058,819 195,996 22,200,825,236 892 97,859,054
By Issue Age
20-24 77.4 29.3 83.5 7 735,000 12,733 1,237,619,963 9 880,488
25-29 58.6 14.7 44.8 16 1,265,000 27,341 2,799,914,763 27 2,822,004
30-34 43.5 8.9 45.0 24 2,932,500 36,301 4,234,541,538 55 6,516,055
35-39 44.5 6.7 48.6 44 5,900,000 38,732 4,760,654,300 99 12,142,903
40-44 44.5 5.1 38.8 75 7,777,719 36,480 4,387,454,620 169 20,025,376
45-49 41.0 4.3 43.2 91 10,508,500 26,514 2,968,014,596 221 24,322,716
50-54 44.6 4.9 43.7 84 8,240,100 13,020 1,323,354,327 189 18,839,504
55-59 41.7 6.6 50.0 40 4,725,000 4,110 408,310,125 96 9,457,640
60-64 33.0 11.7 36.4 8 975,000 706 77,051,004 24 2,681,599
65+ 0.0 0.0 0.0 0 0 60 3,910,000 3 170,769
Total 43.6 2.2 44.0 389 43,058,819 195,996 22,200,825,236 892 97,859,054
By Attained Age
20-24 25.5 25.5 27.1 1 100,000 6,279 591,385,320 4 369,377
25-29 85.5 22.8 67.7 14 1,100,000 19,997 1,983,764,859 16 1,625,410
30-34 49.1 11.6 47.3 18 1,925,000 30,607 3,373,608,160 37 4,069,078
35-39 34.5 7.3 39.0 22 3,022,500 35,457 4,277,522,511 64 7,753,708
40-44 41.6 6.1 35.0 46 4,817,500 36,133 4,484,016,076 111 13,754,894
45-49 47.3 5.2 52.1 84 10,973,219 32,419 3,840,605,451 178 21,072,755
50-54 41.5 4.5 35.7 86 8,042,100 21,334 2,309,925,954 208 22,515,061
55-59 41.6 5.0 48.4 68 7,836,000 9,812 968,212,959 164 16,194,029
60-64 46.9 7.5 61.3 39 4,712,500 3,236 296,251,511 84 7,691,355
65+ 37.2 11.8 18.8 10 530,000 723 75,532,435 27 2,813,387
Total 43.6 2.2 44.0 389 43,058,819 195,996 22,200,825,236 892 97,859,054

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.6     MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.8 11.9 62.6 2 700,000 5,220 486,349,197 12 1,117,560
2 36.3 14.8 36.9 6 585,000 6,093 594,805,410 17 1,584,743
3 18.5 9.3 13.3 4 275,000 6,692 667,874,154 22 2,074,555
4 30.6 10.2 23.5 9 675,000 7,814 797,801,337 29 2,871,658
5 45.4 10.7 46.2 18 1,935,000 8,822 954,367,235 40 4,191,586
6 38.8 8.7 28.1 20 1,605,000 9,475 1,073,685,748 52 5,720,354
7+ 57.0 5.7 52.9 100 11,414,500 24,274 2,985,114,906 176 21,593,328
Total 46.0 3.6 43.9 159 17,189,500 68,391 7,559,997,987 346 39,153,784
By Issue Age
20-24 33.7 33.7 36.8 1 100,000 3,971 362,711,821 3 271,908
25-29 48.1 21.5 72.5 5 726,500 9,667 919,622,401 10 1,002,295
30-34 73.0 18.3 78.8 16 1,960,000 13,077 1,455,250,018 22 2,487,357
35-39 47.6 10.6 49.4 20 2,525,000 14,496 1,730,459,678 42 5,112,999
40-44 49.4 8.4 50.0 34 4,323,000 12,784 1,562,539,156 69 8,650,283
45-49 45.3 7.5 35.8 36 3,130,000 8,173 868,641,912 80 8,741,565
50-54 45.2 7.9 31.0 33 2,550,000 4,425 481,672,011 73 8,237,668
55+ 29.6 7.9 40.3 14 1,875,000 1,797 179,100,989 47 4,649,709
Total 46.0 3.6 43.9 159 17,189,500 68,391 7,559,997,987 346 39,153,784
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,296 115,933,444 1 71,809
25-29 45.2 31.9 71.0 2 280,000 5,490 489,349,382 4 394,145
30-34 88.2 27.9 133.0 10 1,471,500 9,732 949,622,519 11 1,106,698
35-39 27.7 11.3 19.8 6 480,000 12,393 1,389,177,087 22 2,426,880
40-44 51.6 11.5 42.3 20 1,945,000 13,102 1,558,561,859 39 4,595,967
45-49 33.7 7.4 33.0 21 2,480,000 11,679 1,416,122,712 62 7,519,885
50-54 63.2 9.0 68.1 49 5,798,000 8,164 896,680,077 78 8,516,448
55-59 40.2 7.5 26.1 29 2,185,000 4,401 510,430,130 72 8,376,340
60-64 36.0 9.0 36.9 16 1,825,000 1,792 201,215,679 44 4,944,295
65+ 47.0 19.2 60.4 6 725,000 343 32,905,098 13 1,201,317
Total 46.0 3.6 43.9 159 17,189,500 68,391 7,559,997,987 346 39,153,784

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.7     MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.8 5.2 26.4 28 2,287,000 26,260 2,509,529,765 101 8,675,236
2-6 53.9 2.6 55.9 426 37,500,069 142,047 13,574,408,749 791 67,104,557
7+ 56.2 2.7 58.1 436 40,857,168 84,840 8,453,241,732 776 70,321,833
Total 53.4 1.8 55.2 890 80,644,237 253,147 24,537,180,247 1,668 146,101,626
By Issue Age
20-34 67.2 7.9 82.0 73 9,341,000 78,077 7,988,164,005 109 11,396,753
35-39 42.1 5.4 38.3 61 5,912,936 49,735 5,264,041,181 146 15,437,666
40-44 51.4 4.5 52.9 133 13,894,103 48,582 4,888,476,488 259 26,277,094
45-49 54.2 3.9 47.3 195 15,408,118 38,068 3,406,721,885 360 32,584,730
50-54 55.6 3.8 62.1 215 19,482,877 24,003 1,930,668,893 387 31,376,386
55-59 57.0 4.6 62.7 151 12,291,875 10,806 798,711,545 265 19,602,136
60+ 43.1 5.5 45.8 61 4,313,328 3,877 260,396,249 142 9,426,862
Total 53.4 1.8 55.2 890 80,644,237 253,147 24,537,180,247 1,668 146,101,626
By Attained Age
20-24 51.4 51.4 81.7 1 150,000 3,225 301,729,221 2 183,613
25-29 83.2 27.7 100.5 9 1,050,000 13,647 1,310,010,010 11 1,044,549
30-34 93.8 16.9 86.4 31 2,866,000 28,246 2,814,849,453 33 3,316,648
35-39 38.4 7.2 51.9 28 4,066,773 41,727 4,428,039,189 73 7,830,428
40-44 48.3 5.9 51.3 68 7,575,078 47,236 4,967,781,270 141 14,779,245
45-49 48.2 4.4 47.8 118 11,472,228 45,651 4,478,060,888 245 23,989,961
50-54 52.3 3.9 49.5 177 14,947,800 35,263 3,158,760,244 339 30,206,744
55-59 56.3 3.9 55.9 210 17,495,405 22,549 1,896,830,803 374 31,294,362
60-64 60.4 4.6 71.5 172 15,683,895 11,245 873,329,396 285 21,938,063
65+ 45.5 5.3 46.3 75 5,337,058 4,357 307,789,773 165 11,518,013
Total 53.4 1.8 55.2 890 80,644,237 253,147 24,537,180,247 1,668 146,101,626

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.8     MALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.0 5.3 27.1 24 2,165,000 28,333 2,457,696,930 93 7,996,810
2 45.0 7.4 45.1 37 3,256,367 23,502 2,047,319,680 83 7,223,902
3 49.0 8.1 36.5 37 2,309,995 19,749 1,664,902,513 76 6,322,937
4 53.5 8.8 41.4 37 2,255,000 17,347 1,371,827,204 69 5,441,979
5 52.2 8.9 40.1 34 1,860,000 15,783 1,143,374,629 65 4,643,984
6 41.0 8.4 58.9 24 2,299,167 13,552 922,405,009 58 3,905,507
7+ 64.1 6.5 74.0 96 7,718,728 26,127 1,795,246,171 150 10,426,469
Total 48.8 2.9 47.6 290 21,864,257 144,393 11,402,772,135 595 45,961,589
By Issue Age
20-24 40.7 20.4 47.2 4 260,000 13,354 747,697,079 10 550,587
25-29 56.9 14.7 51.2 15 910,000 25,861 1,757,158,520 26 1,778,430
30-34 34.8 9.0 34.9 15 1,226,250 28,375 2,319,170,259 43 3,513,866
35-39 66.3 10.4 70.4 41 3,900,000 25,196 2,289,292,592 62 5,543,433
40-44 45.1 6.8 36.3 44 3,123,995 22,014 1,996,368,047 98 8,600,094
45-49 43.1 5.9 47.5 54 4,698,467 16,021 1,309,010,257 126 9,894,852
50-54 59.5 7.1 53.4 69 4,614,178 8,681 661,983,936 117 8,632,922
55-59 43.6 7.1 43.2 38 2,351,367 3,990 257,683,410 86 5,442,452
60-64 40.7 12.9 45.2 10 780,000 814 57,108,626 25 1,727,088
65+ 0.0 0.0 0.0 0 0 87 7,299,409 3 277,866
Total 48.8 2.9 47.6 290 21,864,257 144,393 11,402,772,135 595 45,961,589
By Attained Age
20-24 37.3 37.3 6.6 1 10,000 4,437 246,984,008 3 151,075
25-29 41.8 17.1 45.4 6 425,000 18,173 1,180,062,236 14 936,069
30-34 46.9 12.1 40.9 15 985,000 27,738 2,074,275,241 32 2,409,012
35-39 55.0 10.6 49.3 27 2,081,250 28,225 2,406,505,236 49 4,222,880
40-44 43.9 7.9 41.9 31 2,701,495 23,722 2,161,450,907 71 6,449,675
45-49 45.1 6.6 46.8 47 4,201,000 19,367 1,669,730,155 104 8,971,990
50-54 50.6 6.4 49.2 62 4,706,667 12,845 997,321,890 123 9,574,013
55-59 52.1 6.9 51.3 57 3,852,178 6,559 456,866,930 109 7,514,064
60-64 49.5 8.5 49.7 34 2,101,667 2,720 167,037,720 69 4,228,658
65+ 46.8 14.8 53.2 10 800,000 608 42,537,814 21 1,504,152
Total 48.8 2.9 47.6 290 21,864,257 144,393 11,402,772,135 595 45,961,589

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.9     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.9 4.9 24.7 30 2,166,100 41,092 3,319,915,429 112 8,781,579
2 46.8 6.7 56.0 48 4,603,000 33,530 2,794,444,485 103 8,212,520
3 58.9 7.6 50.9 59 4,233,600 28,779 2,498,116,919 101 8,313,685
4 49.6 6.7 52.3 55 4,779,490 27,070 2,390,729,805 111 9,136,582
5 58.1 6.9 54.8 70 5,376,200 25,757 2,260,820,225 121 9,805,705
6 73.8 7.9 86.9 88 8,212,000 22,643 1,953,719,703 119 9,447,521
7+ 61.9 5.0 56.1 153 10,159,000 39,813 3,210,126,024 248 18,102,942
Total 55.1 2.5 55.1 504 39,529,390 218,684 18,427,872,589 914 71,800,532
By Issue Age
20-24 33.4 16.7 34.0 4 350,000 13,901 1,196,257,230 12 1,029,652
25-29 47.3 10.6 81.4 20 2,965,000 32,850 2,811,776,075 42 3,644,227
30-34 60.5 8.6 48.9 49 3,555,200 40,786 3,617,665,120 81 7,264,082
35-39 57.9 6.6 54.0 77 6,565,000 42,856 3,903,693,920 133 12,163,977
40-44 59.4 5.6 63.5 112 10,260,000 39,074 3,363,495,090 189 16,162,389
45-49 57.5 5.2 50.3 120 7,970,590 28,921 2,198,573,749 210 15,833,799
50-54 48.0 5.7 54.9 71 5,601,000 14,135 986,916,349 148 10,205,354
55+ 50.5 7.1 41.2 50 2,262,600 6,162 349,495,056 100 5,497,053
Total 55.1 2.5 55.1 504 39,529,390 218,684 18,427,872,589 914 71,800,532
By Attained Age
20-24 43.0 30.4 38.2 2 150,000 6,594 556,023,705 5 392,245
25-29 37.1 12.4 33.0 9 675,000 23,513 1,984,174,327 24 2,043,678
30-34 47.2 9.2 72.2 26 3,440,000 35,460 3,060,381,811 55 4,762,093
35-39 55.7 7.7 48.6 52 4,130,200 39,639 3,592,428,794 94 8,490,127
40-44 59.5 6.5 55.9 83 7,110,000 38,818 3,540,202,385 140 12,720,708
45-49 58.6 5.6 61.3 111 9,613,100 34,713 2,876,574,325 190 15,689,975
50-54 56.7 5.5 45.9 107 6,587,490 23,523 1,788,863,188 189 14,346,081
55-59 47.0 6.0 63.1 61 5,451,000 11,345 752,321,131 130 8,633,589
60-64 63.3 9.9 43.8 41 1,632,600 4,059 232,543,579 65 3,729,500
65+ 47.4 14.3 74.6 11 740,000 1,020 44,359,344 23 992,538
Total 55.1 2.5 55.1 504 39,529,390 218,684 18,427,872,589 914 71,800,532

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.10     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.3 11.5 20.7 3 245,000 6,062 499,076,926 15 1,182,317
2 50.9 16.1 51.4 10 790,000 6,760 562,513,799 20 1,538,207
3 58.3 15.6 76.0 14 1,420,000 7,241 605,862,695 24 1,868,007
4 56.1 13.6 45.1 17 1,070,000 8,138 693,478,892 30 2,372,412
5 71.1 13.9 75.6 26 2,210,000 8,651 746,265,738 37 2,923,721
6 68.6 13.0 76.9 28 2,565,750 8,716 763,268,971 41 3,338,503
7+ 73.6 7.9 72.5 87 7,460,000 21,074 1,921,530,804 118 10,286,616
Total 65.0 4.8 67.0 185 15,760,750 66,641 5,791,997,825 285 23,509,783
By Issue Age
20-24 78.9 45.5 78.2 3 250,000 4,141 347,550,452 4 319,750
25-29 63.2 21.0 78.7 9 1,010,000 10,310 920,612,592 14 1,283,560
30-34 73.4 16.0 62.1 21 1,745,000 13,035 1,258,429,633 29 2,809,647
35-39 75.0 12.9 75.5 34 3,145,000 13,371 1,221,701,701 45 4,163,326
40-44 78.3 11.2 83.0 49 4,435,750 11,972 1,016,452,903 63 5,346,588
45-49 56.4 9.4 56.1 36 2,750,000 8,300 638,576,759 64 4,904,151
50-54 53.9 11.0 52.4 24 1,730,000 4,108 300,266,242 45 3,298,852
55+ 41.6 13.9 50.2 9 695,000 1,403 88,407,544 22 1,383,907
Total 65.0 4.8 67.0 185 15,760,750 66,641 5,791,997,825 285 23,509,783
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,422 117,980,525 1 82,339
25-29 31.9 22.5 32.8 2 175,000 6,111 520,605,384 6 533,208
30-34 64.4 20.3 66.6 10 925,000 10,130 905,269,532 16 1,389,633
35-39 85.2 17.4 84.7 24 2,240,000 12,085 1,136,882,649 28 2,644,289
40-44 68.4 12.5 67.0 30 2,695,000 12,379 1,143,954,171 44 4,022,156
45-49 76.2 11.2 81.7 46 4,170,750 11,238 955,496,427 60 5,106,316
50-54 60.4 9.9 58.0 37 2,790,000 7,806 615,369,172 61 4,813,307
55-59 51.8 10.8 48.7 23 1,545,000 3,976 285,778,853 44 3,174,975
60+ 54.6 15.2 70.0 13 1,220,000 1,492 110,661,111 24 1,743,560
Total 65.0 4.8 67.0 185 15,760,750 66,641 5,791,997,825 285 23,509,783

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.11     FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-6 51.7 2.5 61.0 437 35,308,676 180,277 14,111,740,024 845 57,893,619
7+ 54.0 3.0 56.3 332 24,455,801 85,431 6,789,136,542 615 43,455,563
Total 52.7 1.9 59.0 769 59,764,477 265,708 20,900,876,566 1,460 101,349,182
By Issue Age
20-24 76.6 27.1 49.7 8 447,500 11,301 965,903,379 10 900,659
25-29 42.6 10.0 51.8 18 2,007,407 29,669 2,699,057,647 42 3,877,971
30-34 62.1 8.2 65.7 58 5,599,070 42,664 3,863,031,895 94 8,526,324
35-39 67.6 6.3 78.0 114 11,407,836 49,468 4,275,001,198 169 14,617,452
40-44 63.1 5.0 64.7 160 12,933,711 48,828 3,839,145,875 254 19,987,041
45-49 50.2 4.0 53.7 157 11,613,205 40,665 2,802,582,330 313 21,608,004
50-54 45.6 4.0 45.6 133 8,097,867 26,496 1,612,424,074 292 17,764,223
55-59 46.5 5.1 61.5 84 6,107,008 11,881 652,787,225 181 9,933,357
60+ 34.5 5.7 37.5 36 1,550,873 4,735 190,942,942 105 4,134,150
Total 52.7 1.9 59.0 769 59,764,477 265,708 20,900,876,566 1,460 101,349,182
By Attained Age
20-24 116.7 67.4 69.3 3 150,000 3,742 312,201,947 3 216,492
25-29 65.9 19.9 76.7 11 1,124,027 16,544 1,444,165,684 17 1,465,605
30-34 51.6 10.3 47.4 25 2,068,750 31,452 2,823,392,976 48 4,363,107
35-39 56.8 7.7 69.6 55 6,087,700 41,618 3,750,568,851 97 8,745,173
40-44 60.2 6.0 63.9 99 8,892,888 46,401 3,933,314,745 165 13,918,366
45-49 63.3 5.0 69.6 158 13,337,998 46,533 3,574,410,186 250 19,168,365
50-54 53.0 4.2 56.1 157 11,524,138 37,468 2,604,604,851 297 20,529,439
55-59 48.6 4.2 57.2 136 9,987,572 24,818 1,553,364,303 280 17,445,989
60-64 41.8 4.7 45.3 79 4,757,696 12,111 679,367,595 189 10,513,945
65+ 39.4 5.9 36.8 45 1,833,708 5,021 225,485,428 114 4,982,700
Total 52.7 1.9 59.0 769 59,764,477 265,708 20,900,876,566 1,460 101,349,182

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 8.12     FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.2 5.0 24.0 23 1,405,000 29,438 1,953,010,730 96 5,846,408
2 56.6 8.2 55.3 47 2,805,000 24,380 1,616,567,144 83 5,072,971
3 46.0 7.9 61.2 34 2,685,000 20,551 1,329,525,077 74 4,384,629
4 84.1 11.1 85.4 57 3,265,000 18,181 1,116,374,020 68 3,821,349
5 55.7 9.3 62.2 36 2,131,000 16,910 976,704,895 65 3,426,392
6 65.7 10.7 62.4 38 1,825,000 14,556 800,621,472 58 2,922,989
7+ 63.6 6.9 60.7 84 4,387,500 27,411 1,545,801,215 132 7,226,405
Total 55.5 3.1 56.6 319 18,503,500 151,427 9,338,604,553 575 32,701,144
By Issue Age
20-24 86.6 24.0 88.2 13 700,000 16,228 863,428,423 15 793,826
25-29 66.0 12.9 64.7 26 1,555,000 29,616 1,822,402,386 39 2,404,466
30-34 62.4 10.4 61.9 36 2,360,000 28,777 1,935,255,997 58 3,815,638
35-39 58.1 8.8 55.3 44 2,870,000 24,959 1,740,488,395 76 5,192,463
40-44 60.4 7.9 61.9 59 3,930,000 21,062 1,389,813,574 98 6,349,338
45-49 60.7 7.6 56.4 64 3,337,500 15,282 868,750,365 106 5,914,156
50-54 39.8 6.5 38.0 37 1,760,000 9,475 476,862,424 93 4,632,139
55-59 45.1 8.2 60.7 30 1,636,000 4,733 193,611,118 67 2,693,456
60-64 32.6 12.3 30.0 7 235,000 1,175 42,797,981 21 782,725
65+ 106.2 61.3 97.6 3 120,000 121 5,193,890 3 122,936
Total 55.5 3.1 56.6 319 18,503,500 151,427 9,338,604,553 575 32,701,144
By Attained Age
20-24 137.8 61.6 152.3 5 300,000 5,208 282,399,431 4 197,017
25-29 67.8 17.5 64.2 15 835,000 21,867 1,286,024,182 22 1,301,271
30-34 65.2 11.9 70.4 30 2,100,000 30,321 1,966,343,111 46 2,984,042
35-39 47.9 8.6 44.0 31 1,930,000 27,937 1,894,938,673 65 4,385,839
40-44 60.7 8.7 58.6 49 3,235,000 22,804 1,562,573,924 81 5,518,752
45-49 56.1 7.4 58.8 57 3,580,000 18,812 1,132,897,120 102 6,092,117
50-54 62.4 7.7 58.9 65 3,310,000 13,149 710,142,220 104 5,619,920
55-59 48.5 7.7 42.3 40 1,598,500 7,222 334,541,980 82 3,780,465
60-64 38.0 8.5 58.2 20 1,220,000 3,319 134,075,652 53 2,095,187
65+ 42.1 15.9 54.4 7 395,000 789 34,668,259 17 726,533
Total 55.5 3.1 56.6 319 18,503,500 151,427 9,338,604,553 575 32,701,144

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 9.1     TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 56.4 2.3 62.7 607 55,079,901 239,005 20,719,905,965 1,076 87,864,512
2008 53.7 2.1 55.7 670 57,221,885 265,397 23,341,820,552 1,249 102,741,937
2009 55.1 2.0 55.2 788 65,417,457 293,975 25,956,982,231 1,429 118,506,096
2010 51.6 1.8 51.0 832 68,799,054 321,471 28,433,495,842 1,614 134,850,224
2011 47.7 1.6 49.2 864 75,083,168 349,751 30,988,803,816 1,812 152,509,433
Total 52.4 0.9 53.9 3,761 321,601,465 1,469,600 129,441,008,405 7,180 596,472,202

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 9.2     MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 55.4 3.2 60.6 309 31,245,783 117,144 11,380,118,562 557 51,554,761
2008 50.3 2.8 49.4 326 29,824,928 129,707 12,827,449,228 647 60,315,802
2009 52.8 2.7 51.9 391 36,253,193 142,884 14,237,195,708 741 69,802,421
2010 47.5 2.4 48.5 398 38,603,287 155,248 15,534,097,988 838 79,612,460
2011 46.0 2.2 46.3 433 41,811,931 168,014 16,900,858,018 941 90,239,127
Total 49.9 1.2 50.6 1,857 177,739,122 712,997 70,879,719,504 3,725 351,524,571

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 9.3     FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 57.3 3.3 65.6 298 23,834,118 121,861 9,339,787,403 519 36,309,751
2008 57.3 3.1 64.6 344 27,396,957 135,690 10,514,371,324 601 42,426,135
2009 57.7 2.9 59.9 397 29,164,264 151,091 11,719,786,523 688 48,703,675
2010 55.9 2.7 54.7 434 30,195,767 166,224 12,899,397,853 776 55,237,765
2011 49.4 2.4 53.4 431 33,271,237 181,738 14,087,945,798 871 62,270,307
Total 55.1 1.3 58.7 1,903 143,862,343 756,603 58,561,288,901 3,455 244,947,632

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.1     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.6 3.8 26.6 42 4,093,100 37,646 3,980,327,536 172 15,413,966
2 39.0 5.1 40.6 59 5,731,633 29,471 3,257,767,203 152 14,100,525
3 41.6 5.4 49.7 58 6,722,344 23,563 2,753,208,968 140 13,515,552
4 50.5 6.2 56.6 67 6,825,000 20,177 2,306,269,993 133 12,067,999
5 50.7 6.1 51.3 69 5,962,500 18,732 2,046,078,363 137 11,623,783
6 40.1 5.5 40.3 53 4,351,491 16,399 1,734,552,851 133 10,807,125
7+ 51.7 3.7 59.5 197 17,562,390 37,570 3,698,078,366 382 29,498,054
Total 43.8 1.9 47.9 547 51,248,458 183,557 19,776,283,281 1,249 107,027,005
By Issue Age
20-24 66.2 33.1 47.4 4 310,000 7,597 814,923,786 6 653,370
25-29 47.6 15.1 51.6 10 1,190,000 18,216 1,996,047,252 21 2,304,190
30-34 54.1 11.1 74.7 24 4,100,000 25,106 3,137,461,888 44 5,488,100
35-39 58.1 8.6 60.0 46 6,105,000 27,687 3,592,308,069 79 10,168,237
40-44 50.6 5.9 46.7 73 8,913,822 30,064 4,068,639,993 145 19,073,308
45-49 43.5 4.5 45.6 94 10,939,658 27,205 3,118,361,052 215 24,000,164
50-54 42.0 3.4 38.5 152 9,808,978 28,786 2,055,041,610 361 25,467,028
55-64 39.2 3.3 50.5 140 9,647,500 18,252 970,055,046 356 19,090,498
65+ 24.7 10.9 29.9 5 233,500 644 23,444,585 21 782,110
Total 43.8 1.9 47.9 547 51,248,458 183,557 19,776,283,281 1,249 107,027,005
By Attained Age
20-24 38.9 38.9 39.0 1 100,000 3,813 379,587,580 3 256,353
25-29 57.2 21.6 75.0 7 950,000 12,984 1,364,739,026 12 1,266,259
30-34 66.0 15.2 59.0 19 1,975,000 20,856 2,469,129,776 29 3,344,641
35-39 23.9 6.9 42.3 12 2,650,000 24,357 3,100,926,733 50 6,262,734
40-44 58.5 8.0 51.2 53 6,434,354 27,411 3,812,558,714 91 12,557,966
45-49 49.5 5.7 53.1 76 10,686,590 28,164 3,679,491,519 154 20,111,444
50-54 43.6 4.2 39.5 108 9,506,169 27,526 2,662,577,872 249 24,088,905
55-59 39.4 3.5 42.7 127 9,389,345 23,045 1,541,990,052 322 21,965,738
60-64 43.9 4.4 56.2 101 7,052,500 11,540 605,629,208 230 12,556,409
65+ 39.0 6.0 54.3 42 2,504,500 3,860 159,652,802 108 4,616,556
Total 43.8 1.9 47.9 547 51,248,458 183,557 19,776,283,281 1,249 107,027,005

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.2     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 21.3 4.9 25.6 19 2,419,500 18,984 2,406,248,966 90 9,462,263
2 33.3 6.4 38.8 27 3,411,500 15,163 1,985,756,396 82 8,796,533
3 39.4 7.2 44.1 30 3,776,854 12,396 1,698,489,671 77 8,558,166
4 47.9 8.1 46.4 35 3,540,000 10,749 1,422,426,826 73 7,622,540
5 51.9 8.3 51.4 39 3,743,500 9,851 1,238,738,404 76 7,284,969
6 32.8 6.7 29.2 24 1,982,000 8,562 1,042,493,487 74 6,792,663
7+ 54.3 5.0 67.2 117 12,556,116 19,469 2,196,487,391 215 18,687,400
Total 42.6 2.5 46.8 292 31,429,470 95,174 11,990,641,142 687 67,204,532
By Issue Age
20-24 37.7 37.7 32.6 1 100,000 3,662 420,462,870 3 306,920
25-29 66.2 27.0 79.6 6 900,000 8,876 1,094,615,468 9 1,130,383
30-34 62.2 17.2 92.2 13 2,800,000 13,350 1,931,224,686 21 3,036,649
35-39 54.4 11.6 60.2 22 3,580,000 15,238 2,262,923,366 40 5,948,267
40-44 44.3 7.4 43.7 36 5,343,822 17,154 2,650,356,234 82 12,242,159
45-49 34.6 5.3 33.5 43 5,259,000 14,886 1,950,614,928 125 15,675,647
50-54 45.8 4.7 38.4 93 6,208,648 13,875 1,148,128,896 204 16,157,289
55-59 38.3 5.2 48.0 53 4,454,500 6,216 426,322,564 140 9,284,032
60-64 43.8 9.1 91.7 23 2,680,000 1,649 93,599,425 52 2,923,516
65+ 10.0 9.5 20.7 1 103,500 268 12,392,705 11 499,669
Total 42.6 2.5 46.8 292 31,429,470 95,174 11,990,641,142 687 67,204,532
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,792 192,412,512 1 122,767
25-29 79.0 39.5 125.8 4 750,000 6,100 719,372,305 5 596,300
30-34 62.3 22.0 55.0 8 975,000 10,649 1,461,995,611 13 1,772,938
35-39 21.1 9.4 46.3 5 1,625,000 13,155 1,939,159,840 24 3,507,602
40-44 58.7 11.1 55.3 28 4,184,354 15,518 2,435,779,293 48 7,562,930
45-49 36.2 6.4 39.7 32 5,211,000 16,204 2,402,623,630 89 13,142,059
50-54 41.4 5.4 35.7 58 5,498,468 14,257 1,585,328,492 141 15,398,789
55-59 41.5 4.8 41.1 76 5,775,648 10,904 849,356,494 182 14,063,393
60-64 42.6 5.8 65.8 54 5,370,500 5,021 324,306,139 127 8,157,680
65+ 47.3 9.1 70.8 27 2,039,500 1,574 80,306,825 57 2,880,075
Total 42.6 2.5 46.8 292 31,429,470 95,174 11,990,641,142 687 67,204,532

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.3     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.3 5.9 28.1 23 1,673,600 18,661 1,574,078,569 82 5,951,704
2 45.5 8.0 43.7 32 2,320,133 14,308 1,272,010,807 71 5,303,993
3 44.2 8.3 59.4 28 2,945,490 11,167 1,054,719,297 64 4,957,386
4 53.7 9.5 73.9 32 3,285,000 9,428 883,843,168 60 4,445,459
5 49.2 9.0 51.1 30 2,219,000 8,880 807,339,959 61 4,338,814
6 49.4 9.2 59.0 29 2,369,491 7,837 692,059,364 59 4,014,462
7+ 48.2 5.4 46.3 80 5,006,274 18,101 1,501,590,975 166 10,810,654
Total 45.3 2.8 49.8 255 19,818,988 88,383 7,785,642,140 562 39,822,473
By Issue Age
20-29 45.7 17.3 32.9 7 500,000 13,276 1,295,892,700 15 1,520,256
30-34 47.0 14.2 53.0 11 1,300,000 11,756 1,206,237,203 23 2,451,451
35-39 61.9 12.6 59.8 24 2,525,000 12,450 1,329,384,703 39 4,219,970
40-44 58.8 9.7 52.3 37 3,570,000 12,909 1,418,283,759 63 6,831,150
45-49 55.8 7.9 68.2 50 5,680,658 12,319 1,167,746,124 90 8,324,517
50-54 37.0 4.9 38.7 58 3,600,330 14,911 906,912,714 157 9,309,739
55+ 38.6 4.7 36.9 67 2,643,000 10,762 461,184,937 174 7,165,390
Total 45.3 2.8 49.8 255 19,818,988 88,383 7,785,642,140 562 39,822,473
By Attained Age
20-39 43.1 9.2 45.3 22 2,325,000 30,314 3,001,442,846 51 5,130,379
40-44 58.3 11.6 45.0 25 2,250,000 11,894 1,376,779,421 43 4,995,036
45-49 67.5 10.1 78.6 44 5,475,590 11,960 1,276,867,889 66 6,969,385
50-54 46.3 6.5 46.1 50 4,007,701 13,269 1,077,249,379 108 8,690,116
55-59 36.5 5.1 45.7 51 3,613,697 12,140 692,633,558 140 7,902,346
60-64 45.6 6.6 38.2 47 1,682,000 6,519 281,323,070 103 4,398,730
65+ 29.5 7.6 26.8 15 465,000 2,286 79,345,977 51 1,736,481
Total 45.3 2.8 49.8 255 19,818,988 88,383 7,785,642,140 562 39,822,473

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.4     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 53.1 12.5 44.6 18 695,000 15,288 839,796,878 34 1,556,753
2 80.4 15.8 78.0 26 1,140,000 13,223 727,619,242 32 1,461,309
3 82.0 16.0 80.5 26 1,160,000 12,146 663,036,845 32 1,441,292
4 76.4 15.6 95.8 24 1,327,870 11,030 589,362,955 31 1,386,678
5 55.4 13.9 59.5 16 730,000 9,620 494,990,529 29 1,227,650
6 102.8 20.2 98.7 26 1,055,000 7,835 391,083,328 25 1,068,584
7+ 92.1 12.9 88.4 51 2,063,000 13,774 654,474,836 55 2,333,860
Total 78.3 5.7 78.0 187 8,170,870 82,916 4,360,364,612 239 10,476,127
By Issue Age
20-24 67.6 27.6 37.1 6 175,000 11,021 595,264,000 9 471,542
25-29 88.8 20.4 90.7 19 1,135,000 19,029 1,139,483,087 21 1,251,958
30-34 61.3 14.5 54.1 18 932,870 17,029 1,027,909,824 29 1,724,914
35-39 79.4 14.3 82.7 31 1,697,000 14,251 780,400,590 39 2,051,727
40-44 74.4 12.1 70.3 38 1,515,000 11,155 482,218,156 51 2,154,550
45-49 96.3 13.1 120.4 54 2,256,000 7,662 256,862,382 56 1,873,318
50+ 63.3 13.8 48.5 21 460,000 2,769 78,226,574 33 948,117
Total 78.3 5.7 78.0 187 8,170,870 82,916 4,360,364,612 239 10,476,127
By Attained Age
20-24 73.0 51.6 32.8 2 50,000 4,179 233,155,056 3 152,347
25-29 45.0 18.4 42.4 6 330,000 14,929 878,061,705 13 778,429
30-34 104.3 20.9 105.1 25 1,482,870 18,246 1,089,543,411 24 1,410,876
35-39 67.4 14.7 60.5 21 1,087,000 15,557 914,019,967 31 1,797,602
40-44 65.1 12.5 59.6 27 1,195,000 12,787 632,283,898 42 2,005,527
45-49 86.0 12.6 106.2 46 2,183,000 9,957 386,080,790 54 2,054,806
50-54 83.9 13.3 86.4 40 1,325,000 5,534 177,949,726 48 1,534,377
55-59 94.8 22.3 87.2 18 483,000 1,425 40,604,383 19 554,044
60-64 37.4 26.4 21.8 2 35,000 272 7,618,690 5 160,512
65+ 0.0 0.0 0.0 0 0 30 1,046,986 1 27,607
Total 78.3 5.7 78.0 187 8,170,870 82,916 4,360,364,612 239 10,476,127

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.5     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 45.3 20.0 114.0 5 876,000 2,973 247,507,483 11 768,733
2 63.0 25.5 88.6 6 605,133 2,250 196,476,520 10 682,989
3 68.7 28.1 30.2 6 185,000 1,661 150,552,744 9 611,936
4 47.6 23.8 74.2 4 420,000 1,417 126,165,397 8 565,922
5 88.7 31.3 135.5 8 740,000 1,329 110,654,501 9 546,317
6 85.1 31.9 102.3 7 495,000 1,127 92,611,398 8 484,104
7+ 68.2 18.2 68.8 14 804,515 2,337 188,113,550 21 1,169,088
Total 66.2 9.3 85.4 50 4,125,648 13,094 1,112,081,593 76 4,829,089
By Issue Age
20-24 0.0 0.0 0.0 0 0 874 72,393,255 1 58,738
25-29 106.2 75.1 74.7 2 140,000 1,704 169,393,583 2 187,499
30-34 89.1 51.4 238.7 3 800,000 2,024 200,862,495 3 335,203
35-39 73.9 37.0 74.7 4 400,000 1,969 193,163,675 5 535,604
40-44 65.3 26.4 72.7 6 690,000 1,958 208,322,075 9 948,847
45-49 91.6 27.6 122.0 11 1,365,000 1,570 149,581,813 12 1,118,645
50-54 46.6 14.0 38.7 11 385,648 1,973 84,703,503 24 995,260
55-64 64.3 18.5 45.1 12 285,000 1,007 33,228,166 19 632,388
65+ 154.9 154.9 354.9 1 60,000 16 433,027 1 16,905
Total 66.2 9.3 85.4 50 4,125,648 13,094 1,112,081,593 76 4,829,089
By Attained Age
20-24 0.0 0.0 0.0 0 0 457 30,223,504 0 19,957
25-29 82.1 82.1 77.0 1 90,000 1,336 130,416,325 1 116,827
30-34 84.5 59.8 89.0 2 200,000 1,776 170,332,362 2 224,621
35-39 26.9 26.9 68.7 1 250,000 1,880 187,930,592 4 364,018
40-44 99.3 40.5 157.3 6 1,050,000 1,846 203,027,380 6 667,662
45-49 71.8 26.9 112.5 7 1,155,000 1,812 188,503,684 10 1,026,759
50-54 66.7 20.0 64.2 11 711,133 1,811 122,149,869 17 1,107,266
55-59 57.1 17.2 47.0 11 384,515 1,393 57,241,268 19 817,851
60+ 67.1 20.1 58.9 11 285,000 783 22,256,609 17 484,128
Total 66.2 9.3 85.4 50 4,125,648 13,094 1,112,081,593 76 4,829,089

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.6     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 76.3 21.1 54.5 13 475,000 8,622 517,942,258 17 871,743
2 102.7 24.9 97.4 17 800,000 7,386 443,032,593 17 821,382
3 91.9 23.7 93.9 15 771,000 6,737 402,563,586 16 820,935
4 69.0 20.8 119.0 11 920,000 5,998 350,571,553 16 773,042
5 42.0 17.1 37.5 6 250,000 5,145 290,277,409 14 666,739
6 79.2 25.0 86.2 10 510,000 4,144 228,184,936 13 591,696
7+ 83.9 17.1 88.3 24 1,200,000 7,202 382,405,756 29 1,358,409
Total 79.1 8.1 83.4 96 4,926,000 45,234 2,614,978,091 122 5,903,946
By Issue Age
20-39 79.8 12.8 84.7 39 2,555,000 34,382 2,151,475,989 49 3,015,423
40-44 89.8 18.7 83.5 23 1,010,000 5,819 279,230,923 26 1,210,045
45-49 71.4 15.5 92.6 21 1,026,000 3,778 143,355,909 30 1,107,766
50-54 75.7 23.9 66.3 10 280,000 1,058 34,644,471 13 422,478
55+ 71.3 40.5 37.1 3 55,000 196 6,270,799 4 148,234
Total 79.1 8.1 83.4 96 4,926,000 45,234 2,614,978,091 122 5,903,946
By Attained Age
20-39 81.2 15.1 87.2 29 1,995,000 29,953 1,902,993,199 36 2,286,647
40-44 73.7 19.0 66.0 15 715,000 6,854 370,138,666 20 1,083,455
45-49 90.0 18.3 104.7 24 1,211,000 4,992 218,598,229 27 1,156,565
50-54 72.0 17.0 78.6 18 700,000 2,650 95,438,131 25 890,218
55-59 86.1 28.5 77.6 9 280,000 658 22,964,320 11 360,895
60-64 34.0 34.0 22.6 1 25,000 118 4,380,560 3 110,667
65+ 0.0 0.0 0.0 0 0 9 464,986 0 15,500
Total 79.1 8.1 83.4 96 4,926,000 45,234 2,614,978,091 122 5,903,946

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.7     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 48.3 27.4 151.2 3 761,000 1,766 167,575,570 6 503,389
2 35.5 25.1 67.4 2 300,000 1,345 133,073,531 6 445,160
3 117.3 47.9 47.0 6 185,000 990 99,929,849 5 394,011
4 20.1 20.1 26.6 1 100,000 862 84,964,622 5 376,298
5 114.5 46.8 159.2 6 575,000 788 73,023,379 5 361,206
6 86.6 42.8 103.6 4 335,000 659 61,695,437 5 323,226
7+ 78.6 26.2 95.5 9 729,515 1,336 123,401,137 11 763,755
Total 71.6 12.8 94.3 31 2,985,515 7,747 743,663,525 44 3,167,045
By Issue Age
20-24 0.0 0.0 0.0 0 0 476 42,627,762 0 31,178
25-29 0.0 0.0 0.0 0 0 1,036 110,613,090 1 112,030
30-34 49.7 49.7 181.3 1 400,000 1,323 144,149,128 2 220,633
35-39 91.9 53.0 70.7 3 250,000 1,275 135,647,165 3 353,508
40-44 66.1 33.1 87.3 4 575,000 1,288 147,160,665 6 658,841
45-49 115.3 38.4 158.2 9 1,230,000 977 99,817,844 8 777,693
50-54 67.6 22.4 54.7 9 335,515 977 46,212,587 13 613,475
55+ 53.2 23.6 48.8 5 195,000 394 17,435,283 10 399,687
Total 71.6 12.8 94.3 31 2,985,515 7,747 743,663,525 44 3,167,045
By Attained Age
20-24 0.0 0.0 0.0 0 0 243 18,066,438 0 11,352
25-29 0.0 0.0 0.0 0 0 784 83,306,528 1 68,299
30-34 0.0 0.0 0.0 0 0 1,114 116,006,907 1 140,761
35-39 0.0 0.0 0.0 0 0 1,240 135,843,322 2 240,673
40-44 134.9 60.3 209.0 5 900,000 1,199 138,203,035 4 430,522
45-49 75.9 33.9 130.0 5 950,000 1,206 134,316,074 7 730,811
50-54 89.5 29.7 91.6 9 661,000 1,024 74,525,016 10 721,629
55-59 75.9 26.8 61.0 8 329,515 639 32,978,161 11 540,179
60-64 52.1 29.6 57.8 3 120,000 238 8,449,926 6 207,585
65+ 44.1 44.1 33.2 1 25,000 60 1,968,118 2 75,234
Total 71.6 12.8 94.3 31 2,985,515 7,747 743,663,525 44 3,167,045

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.8     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.6 13.2 32.1 5 220,000 6,666 321,854,620 17 685,010
2 57.0 19.0 53.1 9 340,000 5,836 284,586,649 16 639,927
3 71.6 21.5 62.7 11 389,000 5,408 260,473,259 16 620,357
4 84.1 23.3 66.5 13 407,870 5,032 238,791,402 15 613,636
5 68.7 21.7 85.6 10 480,000 4,476 204,713,120 15 560,911
6 126.3 31.6 114.3 16 545,000 3,691 162,898,392 13 476,888
7+ 100.8 19.4 88.5 27 863,000 6,572 272,069,081 27 975,451
Total 77.4 8.1 71.0 91 3,244,870 37,681 1,745,386,521 118 4,572,181
By Issue Age
20-24 132.2 54.0 77.8 6 175,000 5,052 253,451,965 5 224,942
25-29 66.2 25.0 61.4 7 350,000 8,127 447,052,416 11 570,447
30-34 61.4 20.5 37.3 9 282,870 7,296 381,344,259 15 758,088
35-39 65.0 18.0 62.0 13 577,000 6,472 309,732,871 20 931,240
40-44 59.0 15.2 53.5 15 505,000 5,335 202,987,233 25 944,505
45-49 124.0 21.6 160.7 33 1,230,000 3,884 113,506,473 27 765,553
50+ 50.7 17.9 33.1 8 125,000 1,514 37,311,304 16 377,405
Total 77.4 8.1 71.0 91 3,244,870 37,681 1,745,386,521 118 4,572,181
By Attained Age
20-24 151.5 107.1 73.6 2 50,000 1,875 96,592,977 1 67,951
25-29 30.0 21.2 13.8 2 50,000 6,579 358,881,578 7 363,110
30-34 92.2 27.8 79.7 11 502,870 7,817 416,312,118 12 631,031
35-39 64.1 20.3 44.5 10 352,000 6,686 340,000,266 16 790,516
40-44 56.7 16.4 52.1 12 480,000 5,933 262,145,232 21 922,072
45-49 81.9 17.4 108.2 22 972,000 4,965 167,482,562 27 898,241
50-54 97.1 20.7 97.0 22 625,000 2,884 82,511,595 23 644,159
55-59 105.5 35.2 105.1 9 203,000 766 17,640,062 9 193,149
60-64 41.5 41.5 20.1 1 10,000 155 3,238,130 2 49,845
65+ 0.0 0.0 0.0 0 0 21 582,000 0 12,107
Total 77.4 8.1 71.0 91 3,244,870 37,681 1,745,386,521 118 4,572,181

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.9     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 41.3 29.2 43.3 2 115,000 1,207 79,931,913 5 265,344
2 101.1 50.0 128.3 4 305,133 905 63,402,989 4 237,829
3 0.0 0.0 0.0 0 0 671 50,622,895 4 217,925
4 87.4 50.5 168.8 3 320,000 555 41,200,774 3 189,624
5 52.8 37.4 89.1 2 165,000 540 37,631,122 4 185,111
6 83.0 47.9 99.5 3 160,000 468 30,915,961 4 160,878
7+ 55.1 24.7 18.5 5 75,000 1,001 64,712,413 9 405,333
Total 58.9 13.5 68.6 19 1,140,133 5,347 368,418,068 32 1,662,044
By Issue Age
20-24 0.0 0.0 0.0 0 0 397 29,765,493 0 27,559
25-29 238.8 168.8 185.5 2 140,000 668 58,780,493 1 75,469
30-34 147.7 104.4 349.1 2 400,000 701 56,713,367 1 114,570
35-39 46.6 46.6 82.4 1 150,000 693 57,516,510 2 182,096
40-44 63.8 44.0 39.7 2 115,000 670 61,161,410 3 290,006
45-49 47.6 33.6 39.6 2 135,000 593 49,763,969 4 340,952
50-54 19.3 13.7 13.1 2 50,133 996 38,490,917 10 381,785
55+ 81.0 28.6 60.1 8 150,000 629 16,225,909 10 249,606
Total 58.9 13.5 68.6 19 1,140,133 5,347 368,418,068 32 1,662,044
By Attained Age
20-29 139.5 139.5 157.5 1 90,000 766 59,266,863 1 57,134
30-34 195.4 138.2 238.5 2 200,000 662 54,325,456 1 83,860
35-39 66.3 66.3 202.7 1 250,000 640 52,087,270 2 123,345
40-44 42.8 42.8 63.3 1 150,000 647 64,824,345 2 237,140
45-49 63.5 43.8 69.3 2 205,000 607 54,187,609 3 295,948
50-54 30.9 21.8 13.0 2 50,133 788 47,624,853 6 385,637
55+ 58.7 18.6 40.7 10 195,000 1,238 36,101,673 17 478,980
Total 58.9 13.5 68.6 19 1,140,133 5,347 368,418,068 32 1,662,044

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.10     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.2 3.1 26.5 60 4,047,500 96,756 6,819,555,886 250 15,284,919
2 51.3 4.6 59.9 125 9,022,220 87,371 6,208,810,765 244 15,072,248
3 53.9 4.7 52.0 134 7,975,081 81,417 5,775,478,308 248 15,336,428
4 59.3 4.9 59.1 147 8,948,098 75,184 5,246,436,396 248 15,140,714
5 51.7 4.7 51.4 121 7,089,249 67,056 4,548,273,096 234 13,804,414
6 58.3 5.3 62.6 121 7,473,500 55,119 3,626,368,141 208 11,935,127
7+ 57.9 3.5 60.9 278 16,687,587 101,113 6,489,510,664 480 27,382,227
Total 51.6 1.6 53.7 987 61,243,235 564,017 38,714,433,257 1,912 113,956,078
By Issue Age
20-24 58.6 11.7 63.2 25 1,832,500 51,804 3,557,253,260 43 2,900,069
25-29 58.2 6.8 52.2 74 4,889,027 106,693 7,931,237,884 127 9,367,716
30-34 49.5 4.7 52.3 109 8,775,900 122,612 9,451,854,178 221 16,794,129
35-39 51.9 4.1 54.1 157 11,943,773 108,106 8,090,277,482 303 22,083,647
40-44 51.8 3.6 52.2 206 12,608,072 85,868 5,368,243,233 397 24,148,893
45-49 50.0 3.3 52.7 229 12,203,613 60,946 3,118,978,833 457 23,177,891
50-54 56.1 4.9 64.1 130 6,791,000 20,643 939,241,761 231 10,588,052
55-64 44.1 5.8 47.3 57 2,199,350 7,256 251,585,236 130 4,649,869
65+ 0.0 0.0 0.0 0 0 89 5,761,389 3 245,812
Total 51.6 1.6 53.7 987 61,243,235 564,017 38,714,433,257 1,912 113,956,078
By Attained Age
20-24 69.9 23.3 67.5 9 610,000 19,379 1,360,331,145 13 903,586
25-29 65.3 9.7 62.5 45 3,119,027 74,374 5,408,340,071 69 4,987,891
30-34 47.1 5.5 43.0 73 5,017,500 112,919 8,549,327,686 155 11,679,580
35-39 51.5 4.6 58.2 126 10,888,673 118,619 9,132,654,724 245 18,697,953
40-44 48.5 3.9 48.7 153 10,621,331 96,440 6,783,192,290 316 21,819,875
45-49 46.8 3.4 50.1 194 11,811,241 76,403 4,393,315,877 414 23,572,195
50-54 56.3 3.8 57.3 220 11,007,768 45,429 2,230,530,471 391 19,208,234
55-59 59.1 5.3 68.4 124 6,344,095 15,695 682,192,333 211 9,276,732
60-64 40.3 7.0 47.5 33 1,413,600 4,182 149,410,978 82 2,977,259
65+ 54.2 18.1 49.2 9 410,000 576 25,137,682 17 832,772
Total 51.6 1.6 53.7 987 61,243,235 564,017 38,714,433,257 1,912 113,956,078

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.11     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.2 3.8 22.0 37 3,217,100 34,672 3,732,820,053 161 14,645,233
2 37.3 5.1 38.2 53 5,126,500 27,221 3,061,290,683 143 13,417,536
3 39.8 5.5 50.7 52 6,537,344 21,902 2,602,656,224 132 12,903,616
4 50.7 6.4 55.7 63 6,405,000 18,760 2,180,104,597 125 11,502,076
5 48.0 6.1 47.1 61 5,222,500 17,403 1,935,423,862 127 11,077,466
6 37.1 5.5 37.4 46 3,856,491 15,272 1,641,941,453 124 10,323,021
7+ 50.7 3.7 59.2 183 16,757,875 35,233 3,509,964,817 361 28,328,966
Total 42.4 1.9 46.1 497 47,122,810 170,463 18,664,201,689 1,173 102,197,916
By Issue Age
20-24 74.6 37.3 52.1 4 310,000 6,724 742,530,531 5 594,632
25-29 41.9 14.8 49.6 8 1,050,000 16,513 1,826,653,669 19 2,116,691
30-34 51.3 11.2 64.0 21 3,300,000 23,082 2,936,599,393 41 5,152,897
35-39 56.9 8.8 59.2 42 5,705,000 25,718 3,399,144,394 74 9,632,633
40-44 49.6 6.1 45.4 67 8,223,822 28,106 3,860,317,919 135 18,124,461
45-49 40.6 4.5 41.8 82 9,574,658 25,635 2,968,779,239 203 22,881,519
50-54 41.6 3.5 38.5 140 9,423,330 26,813 1,970,338,106 337 24,471,768
55-59 40.0 4.1 45.8 95 6,367,500 13,194 758,076,793 238 13,908,250
60-64 32.3 5.7 65.8 32 2,995,000 4,051 178,750,087 99 4,549,861
65+ 20.5 10.1 22.7 4 173,500 627 23,011,558 20 765,204
Total 42.4 1.9 46.1 497 47,122,810 170,463 18,664,201,689 1,173 102,197,916
By Attained Age
20-24 43.9 43.9 42.3 1 100,000 3,356 349,364,076 2 236,396
25-29 54.5 22.2 74.8 6 860,000 11,648 1,234,322,701 11 1,149,431
30-34 64.4 15.6 56.9 17 1,775,000 19,080 2,298,797,414 26 3,120,020
35-39 23.6 7.1 40.7 11 2,400,000 22,477 2,912,996,140 47 5,898,716
40-44 55.6 8.1 45.3 47 5,384,354 25,565 3,609,531,335 85 11,890,304
45-49 47.9 5.8 49.9 69 9,531,590 26,352 3,490,987,835 145 19,084,685
50-54 41.9 4.2 38.3 97 8,795,036 25,715 2,540,428,003 232 22,981,639
55-59 38.2 3.6 42.6 116 9,004,830 21,652 1,484,748,784 302 21,147,888
60-64 42.1 4.4 56.2 92 6,852,500 10,931 587,612,155 219 12,196,547
65+ 38.8 6.1 53.9 40 2,419,500 3,687 155,413,245 103 4,492,290
Total 42.4 1.9 46.1 497 47,122,810 170,463 18,664,201,689 1,173 102,197,916

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.12     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.0 4.7 23.6 24 1,625,000 42,623 3,248,049,971 105 6,884,914
2 41.8 6.3 47.1 44 3,301,750 39,141 2,998,107,508 106 7,008,961
3 59.0 7.3 56.6 65 4,162,481 36,992 2,820,518,111 111 7,352,251
4 52.8 6.9 52.0 59 3,798,608 34,304 2,562,337,137 112 7,304,990
5 53.7 7.1 52.7 57 3,507,500 30,598 2,213,241,343 106 6,651,378
6 44.5 6.9 55.1 42 3,164,000 25,066 1,758,592,094 94 5,743,393
7+ 52.3 4.8 54.7 119 7,574,064 46,283 3,185,435,338 228 13,851,698
Total 47.7 2.4 49.5 411 27,133,403 255,006 18,786,281,503 862 54,797,584
By Issue Age
20-24 59.9 18.9 66.4 10 795,000 23,008 1,653,045,458 17 1,197,425
25-29 68.5 11.9 61.4 33 2,287,500 47,091 3,659,228,219 48 3,723,093
30-34 36.6 6.5 51.9 32 3,702,500 56,634 4,633,878,559 88 7,138,493
35-39 47.5 6.2 47.4 59 4,689,773 49,821 4,039,708,240 124 9,891,222
40-44 42.5 4.9 38.5 75 4,554,219 39,197 2,692,403,858 178 11,826,886
45-49 49.8 4.8 53.5 109 6,465,300 27,248 1,523,592,026 220 12,073,766
50-54 59.7 7.1 62.5 70 3,717,861 8,980 457,341,057 118 5,948,536
55-59 31.3 7.4 26.7 18 611,250 2,655 107,561,923 58 2,289,802
60-64 39.4 19.7 62.5 4 310,000 328 15,068,216 10 496,324
65+ 0.0 0.0 0.0 0 0 45 4,453,945 2 212,038
Total 47.7 2.4 49.5 411 27,133,403 255,006 18,786,281,503 862 54,797,584
By Attained Age
20-24 54.9 31.7 65.0 3 260,000 8,855 644,869,018 5 399,991
25-29 69.5 16.4 62.8 18 1,250,000 32,284 2,471,767,502 26 1,989,021
30-34 54.0 9.5 52.4 32 2,482,500 50,611 4,036,295,127 59 4,740,026
35-39 43.6 6.7 57.1 42 4,552,273 54,985 4,524,650,017 97 7,976,827
40-44 37.6 5.3 37.1 50 3,735,000 44,796 3,428,316,986 133 10,056,936
45-49 40.9 4.7 41.5 76 4,817,719 34,511 2,169,163,764 187 11,605,007
50-54 56.5 5.4 59.5 109 6,123,816 20,260 1,092,494,818 192 10,284,328
55-59 55.4 7.1 56.6 61 3,057,095 6,759 334,384,108 110 5,405,443
60-64 35.0 9.0 34.4 15 595,000 1,695 69,255,998 43 1,728,475
65+ 52.5 23.5 42.5 5 260,000 251 15,084,165 10 611,531
Total 47.7 2.4 49.5 411 27,133,403 255,006 18,786,281,503 862 54,797,584

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.13     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.2 4.8 18.5 16 1,658,500 17,218 2,238,673,397 84 8,958,874
2 33.2 6.6 37.3 25 3,111,500 13,818 1,852,682,865 76 8,351,373
3 33.9 6.9 44.0 24 3,591,854 11,406 1,598,559,822 72 8,164,155
4 50.0 8.5 47.5 34 3,440,000 9,887 1,337,462,204 68 7,246,242
5 47.2 8.2 45.8 33 3,168,500 9,063 1,165,715,025 70 6,923,763
6 29.1 6.5 25.5 20 1,647,000 7,903 980,798,050 69 6,469,437
7+ 53.0 5.1 66.0 108 11,826,601 18,132 2,073,086,254 204 17,923,644
Total 40.6 2.5 44.4 261 28,443,955 87,427 11,246,977,617 643 64,037,487
By Issue Age
20-24 43.2 43.2 36.3 1 100,000 3,185 377,835,107 2 275,742
25-29 74.8 30.5 88.4 6 900,000 7,840 984,002,378 8 1,018,353
30-34 63.5 18.3 85.2 12 2,400,000 12,027 1,787,075,557 19 2,816,016
35-39 51.1 11.7 59.5 19 3,330,000 13,962 2,127,276,202 37 5,594,759
40-44 42.5 7.5 41.2 32 4,768,822 15,866 2,503,195,569 76 11,583,318
45-49 29.2 5.0 27.0 34 4,029,000 13,909 1,850,797,084 117 14,897,955
50-54 44.3 4.8 37.8 84 5,873,133 12,898 1,101,916,309 190 15,543,814
55-59 37.9 5.3 47.8 50 4,294,500 5,907 411,919,011 133 8,980,731
60-64 41.8 9.1 93.0 21 2,645,000 1,579 90,951,542 50 2,842,901
65+ 10.6 10.1 21.4 1 103,500 253 12,008,858 10 483,899
Total 40.6 2.5 44.4 261 28,443,955 87,427 11,246,977,617 643 64,037,487
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,549 174,346,074 1 111,415
25-29 90.6 45.3 142.0 4 750,000 5,316 636,065,778 4 528,001
30-34 69.6 24.6 59.7 8 975,000 9,535 1,345,988,705 11 1,632,177
35-39 23.3 10.4 49.7 5 1,625,000 11,914 1,803,316,518 21 3,266,929
40-44 52.3 10.9 46.0 23 3,284,354 14,319 2,297,576,258 44 7,132,408
45-49 33.0 6.3 34.3 27 4,261,000 14,998 2,268,307,555 82 12,411,248
50-54 37.7 5.4 33.0 49 4,837,468 13,233 1,510,803,476 131 14,677,160
55-59 39.4 4.8 40.3 68 5,446,133 10,265 816,378,333 171 13,523,214
60-64 42.1 5.9 66.0 51 5,250,500 4,783 315,856,213 121 7,950,095
65+ 47.4 9.3 71.8 26 2,014,500 1,515 78,338,707 55 2,804,841
Total 40.6 2.5 44.4 261 28,443,955 87,427 11,246,977,617 643 64,037,487

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.14     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.1 4.2 28.8 36 2,422,500 54,133 3,571,505,915 145 8,400,005
2 58.6 6.5 70.9 81 5,720,470 48,230 3,210,703,257 138 8,063,287
3 49.7 6.0 47.8 68 3,812,600 44,426 2,954,960,197 137 7,984,177
4 64.6 6.9 65.7 88 5,149,490 40,881 2,684,099,258 136 7,835,725
5 50.1 6.3 50.1 64 3,581,749 36,458 2,335,031,753 128 7,153,036
6 69.8 7.8 69.6 79 4,309,500 30,053 1,867,776,048 113 6,191,734
7+ 62.8 5.0 67.4 158 9,113,523 54,830 3,304,075,326 252 13,530,529
Total 54.8 2.3 57.7 575 34,109,832 309,010 19,928,151,754 1,050 59,158,493
By Issue Age
20-24 57.7 14.9 60.9 15 1,037,500 28,796 1,904,207,802 26 1,702,644
25-29 51.9 8.1 46.1 41 2,601,527 59,601 4,272,009,665 79 5,644,623
30-34 58.0 6.6 52.5 77 5,073,400 65,979 4,817,975,619 133 9,655,636
35-39 55.0 5.6 59.5 98 7,254,000 58,285 4,050,569,241 178 12,192,425
40-44 59.3 5.2 65.4 130 8,053,853 46,671 2,675,839,375 220 12,322,007
45-49 50.3 4.6 51.7 119 5,738,313 33,698 1,595,386,807 237 11,104,125
50+ 53.6 5.5 66.6 95 4,351,239 15,981 612,163,245 177 6,537,034
Total 54.8 2.3 57.7 575 34,109,832 309,010 19,928,151,754 1,050 59,158,493
By Attained Age
20-24 81.0 33.1 69.5 6 350,000 10,525 715,462,127 7 503,595
25-29 62.8 12.1 62.3 27 1,869,027 42,090 2,936,572,569 43 2,998,870
30-34 42.8 6.7 36.5 41 2,535,000 62,309 4,513,032,559 96 6,939,554
35-39 56.7 6.2 59.1 84 6,336,400 63,634 4,608,004,707 148 10,721,126
40-44 56.4 5.6 58.5 103 6,886,331 51,644 3,354,875,304 183 11,762,939
45-49 51.6 4.8 58.4 117 6,993,522 41,891 2,224,152,113 227 11,967,188
50-54 56.1 5.3 54.7 111 4,883,952 25,168 1,138,035,653 198 8,923,906
55-59 63.0 7.9 84.9 63 3,287,000 8,937 347,808,225 101 3,871,289
60-64 46.1 10.8 65.6 18 818,600 2,487 80,154,979 39 1,248,785
65+ 56.3 28.2 67.8 4 150,000 325 10,053,517 7 221,242
Total 54.8 2.3 57.7 575 34,109,832 309,010 19,928,151,754 1,050 59,158,493

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 10.15     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 6.0 27.4 21 1,558,600 17,454 1,494,146,656 77 5,686,360
2 42.1 7.9 39.8 28 2,015,000 13,403 1,208,607,818 67 5,066,164
3 46.9 8.8 62.1 28 2,945,490 10,496 1,004,096,402 60 4,739,461
4 51.6 9.6 69.7 29 2,965,000 8,873 842,642,393 56 4,255,835
5 49.0 9.3 49.4 28 2,054,000 8,340 769,708,837 57 4,153,704
6 47.1 9.2 57.3 26 2,209,491 7,369 661,143,402 55 3,853,584
7+ 47.8 5.5 47.4 75 4,931,274 17,100 1,436,878,562 157 10,405,321
Total 44.5 2.9 48.9 236 18,678,855 83,036 7,417,224,071 529 38,160,429
By Issue Age
20-29 35.3 15.8 25.4 5 360,000 12,211 1,207,346,714 14 1,417,228
30-34 40.8 13.6 38.5 9 900,000 11,055 1,149,523,836 22 2,336,881
35-39 62.8 13.1 58.8 23 2,375,000 11,756 1,271,868,193 37 4,037,874
40-44 58.6 9.9 52.8 35 3,455,000 12,240 1,357,122,350 60 6,541,143
45-49 56.2 8.1 69.5 48 5,545,658 11,726 1,117,982,155 86 7,983,565
50-54 38.2 5.1 39.8 56 3,550,197 13,915 868,421,797 147 8,927,953
55-59 42.7 6.4 42.1 45 2,073,000 7,287 346,157,782 106 4,927,518
60-64 22.6 6.8 20.5 11 350,000 2,472 87,798,545 49 1,706,960
65+ 31.2 18.0 24.9 3 70,000 374 11,002,700 10 281,305
Total 44.5 2.9 48.9 236 18,678,855 83,036 7,417,224,071 529 38,160,429
By Attained Age
20-24 77.4 77.4 80.0 1 100,000 1,807 175,018,003 1 124,981
25-34 36.5 8.9 35.5 17 1,685,000 26,439 2,660,745,255 47 4,741,060
40-44 59.2 12.0 44.1 24 2,100,000 11,247 1,311,955,076 41 4,757,896
45-49 67.7 10.4 79.0 42 5,270,590 11,354 1,222,680,280 62 6,673,437
50-54 47.3 6.8 47.7 48 3,957,568 12,482 1,029,624,527 102 8,304,479
55-59 36.7 5.3 46.7 48 3,558,697 11,387 668,370,451 131 7,624,674
60-64 42.2 6.6 37.7 41 1,602,000 6,148 271,755,942 97 4,246,453
65+ 29.0 7.7 24.0 14 405,000 2,173 77,074,538 48 1,687,449
Total 44.5 2.9 48.9 236 18,678,855 83,036 7,417,224,071 529 38,160,429

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 11.1     EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 60.6 12.6 64.3 23 2,550,000 3,856 398,785,045 38 3,965,816
1997 79.7 9.9 79.5 65 6,115,000 7,638 753,068,409 82 7,694,946
1998 71.3 7.8 70.5 84 7,785,968 12,139 1,192,520,303 118 11,049,122
1999 56.1 5.3 59.2 112 10,034,792 22,922 2,078,221,987 199 16,958,329
2000 56.0 4.2 51.6 180 13,685,471 41,234 3,628,230,423 322 26,536,000
2001 59.0 2.9 61.4 401 34,054,318 99,565 8,695,719,038 679 55,477,128
2002 55.7 2.6 56.6 465 38,052,294 135,750 11,555,117,037 836 67,216,254
2003 55.1 2.3 55.9 554 45,906,545 178,501 15,535,424,637 1,005 82,147,920
2004 57.4 2.4 60.1 568 49,504,340 197,702 17,397,865,438 990 82,360,140
2005 54.0 2.6 59.6 438 40,642,051 183,542 16,419,045,275 811 68,204,234
2006 46.4 2.5 48.6 342 29,207,125 188,509 16,558,034,004 736 60,056,764
2007 44.2 2.9 43.9 234 19,813,858 143,271 13,056,237,986 530 45,129,761
2008 42.9 3.2 38.1 176 13,084,639 121,574 10,713,326,523 409 34,382,957
2009 30.0 3.3 34.2 84 7,894,064 86,684 7,447,303,273 278 23,054,595
2010 22.2 3.9 24.3 32 2,871,000 46,405 3,970,904,778 144 11,792,880
Total 52.4 0.9 53.9 3,758 321,201,465 1,469,292 129,399,804,159 7,177 596,026,846

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 11.2     MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 61.4 16.4 57.9 14 1,525,000 1,972 229,017,302 23 2,632,826
1997 89.6 13.4 87.9 45 4,575,000 4,095 450,022,125 50 5,205,790
1998 65.9 9.5 69.1 48 5,185,968 6,447 705,104,928 73 7,500,704
1999 53.7 6.8 52.4 62 5,658,000 11,705 1,172,985,506 115 10,806,308
2000 56.2 5.6 48.6 101 7,925,171 20,577 2,001,507,035 180 16,303,462
2001 55.3 3.9 61.1 200 20,571,978 48,540 4,813,494,864 362 33,680,291
2002 54.4 3.5 53.7 243 21,716,875 66,393 6,356,758,066 447 40,407,852
2003 49.5 3.1 49.3 259 24,017,137 86,301 8,542,355,689 524 48,680,670
2004 51.5 3.2 54.7 261 26,277,372 95,281 9,403,983,776 506 47,995,907
2005 52.0 3.5 58.1 217 23,104,660 90,005 8,994,715,872 417 39,740,467
2006 47.2 3.6 41.5 174 14,121,603 92,313 9,025,162,811 368 34,025,363
2007 39.7 3.9 38.4 104 9,837,858 69,408 7,213,938,758 262 25,638,250
2008 40.3 4.5 35.6 79 6,879,000 57,635 5,817,775,769 197 19,323,074
2009 25.3 4.4 35.3 33 4,512,500 40,531 3,977,926,562 131 12,766,584
2010 22.3 5.8 25.1 15 1,631,000 21,603 2,148,037,289 67 6,499,032
Total 49.8 1.2 50.6 1,855 177,539,122 712,806 70,852,786,353 3,723 351,206,579

Thomson Data Analysis Tue Sep 30 15:52:24 2014


TABLE 11.3     FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2006 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 59.3 19.8 76.9 9 1,025,000 1,884 169,767,743 15 1,332,989
1997 63.9 14.3 61.9 20 1,540,000 3,543 303,046,284 31 2,489,156
1998 80.0 13.3 73.3 36 2,600,000 5,692 487,415,376 45 3,548,418
1999 59.5 8.4 71.1 50 4,376,792 11,217 905,236,480 84 6,152,022
2000 55.7 6.3 56.3 79 5,760,300 20,658 1,626,723,388 142 10,232,538
2001 63.4 4.5 61.9 201 13,482,340 51,025 3,882,224,174 317 21,796,838
2002 57.2 3.8 60.9 222 16,335,419 69,358 5,198,358,971 388 26,808,402
2003 61.2 3.6 65.4 294 21,889,408 92,200 6,993,068,948 481 33,467,251
2004 63.5 3.6 67.6 307 23,226,968 102,420 7,993,881,661 484 34,364,233
2005 56.1 3.8 61.6 222 17,537,391 93,537 7,424,329,404 395 28,463,767
2006 45.7 3.5 58.0 168 15,085,522 96,195 7,532,871,193 368 26,031,401
2007 48.7 4.3 51.2 131 9,976,000 73,864 5,842,299,227 268 19,491,512
2008 45.4 4.6 41.2 96 6,205,639 63,939 4,895,550,754 212 15,059,883
2009 34.3 4.8 32.9 50 3,381,564 46,153 3,469,376,711 147 10,288,010
2010 22.2 5.4 23.4 17 1,240,000 24,802 1,822,867,489 77 5,293,848
Total 55.1 1.3 58.7 1,902 143,662,343 756,487 58,547,017,805 3,454 244,820,267

Thomson Data Analysis Tue Sep 30 15:52:24 2014