CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE
TABLE 1.2 TOTAL EXPERIENCE -- MALES
TABLE 1.3 TOTAL EXPERIENCE -- FEMALES
TABLE 2.1 TOTAL EXPERIENCE -- SMOKERS
TABLE 2.2 TOTAL EXPERIENCE -- MALE SMOKERS
TABLE 2.3 TOTAL EXPERIENCE -- FEMALE SMOKERS
TABLE 2.4 TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 2.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
TABLE 2.6 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 3.1 TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.2 TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.3 TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.4 TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.5 MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.6 MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.7 MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.8 MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.9 FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.10 FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.11 FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.12 FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.13 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.14 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.15 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.16 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.17 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.18 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.19 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.20 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.21 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.22 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.23 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.24 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.25 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.26 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.27 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.28 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.29 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.30 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.31 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.32 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.33 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.34 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.35 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.36 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 4.1 TOTAL EXPERIENCE BY ILLNESS
TABLE 4.2 TOTAL EXPERIENCE BY ILLNESS -- MALES
TABLE 4.3 TOTAL EXPERIENCE BY ILLNESS -- FEMALES
TABLE 4.4 TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
TABLE 4.5 TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
TABLE 4.6 TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
TABLE 4.7 TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
TABLE 4.8 TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
TABLE 4.9 TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 5.1 HEART ATTACK EXPERIENCE
TABLE 5.2 MALE HEART ATTACK EXPERIENCE
TABLE 5.3 FEMALE HEART ATTACK EXPERIENCE
TABLE 5.4 HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.5 MALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.6 FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.7 HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.8 MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.9 FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.1 LIFE THREATENING CANCER EXPERIENCE
TABLE 6.2 MALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.3 FEMALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.4 LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.5 MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.6 FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.7 LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.8 MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.9 FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.1 STROKE EXPERIENCE
TABLE 7.2 MALE STROKE EXPERIENCE
TABLE 7.3 FEMALE STROKE EXPERIENCE
TABLE 7.4 STROKE EXPERIENCE -- SMOKERS
TABLE 7.5 MALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.6 FEMALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.7 STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.8 MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.9 FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 8.1 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.2 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.3 TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.4 TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.5 MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.6 MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.7 MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.8 MALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.9 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.10 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.11 FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.12 FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 9.1 TOTAL EXPERIENCE -- POLICY YEAR
TABLE 9.2 MALE EXPERIENCE -- POLICY YEAR
TABLE 9.3 FEMALE EXPERIENCE -- POLICY YEAR
TABLE 10.1 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.2 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
TABLE 10.3 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.4 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.5 MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
TABLE 10.6 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.7 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.8 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.9 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.10 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.11 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.12 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.13 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.14 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.15 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.16 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.17 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.18 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.19 MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.20 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.21 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.22 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.23 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 11.1 EXPERIENCE BY ISSUE YEAR
TABLE 11.2 MALE EXPERIENCE BY ISSUE YEAR
TABLE 11.3 FEMALE EXPERIENCE BY ISSUE YEAR



TABLE 1.1     TOTAL EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.3 1.5 29.0 324 27,686,711 368,976 31,616,644,977 1,184 95,432,267
2 49.0 2.0 50.7 581 48,842,292 328,814 28,437,871,728 1,185 96,342,072
3 55.1 2.2 60.4 650 58,271,242 291,349 25,414,506,499 1,180 96,482,314
4 56.5 2.2 59.4 640 55,165,422 249,001 21,827,468,412 1,133 92,914,955
5 55.7 2.3 58.2 597 51,212,800 211,431 18,560,738,633 1,072 87,947,072
6 56.4 2.4 59.1 551 47,758,382 173,444 15,304,870,198 976 80,801,463
7+ 57.7 1.5 58.2 1,524 129,846,545 366,893 32,685,571,259 2,641 222,934,483
Total 51.9 0.7 54.2 4,866 418,783,394 1,989,909 173,847,671,706 9,372 772,854,626
By Issue Age
20-24 64.0 8.1 61.1 63 4,535,000 125,397 9,481,496,676 98 7,420,400
25-29 62.1 4.4 66.5 196 17,657,203 275,001 23,117,762,772 315 26,562,744
30-34 54.0 3.0 57.8 334 33,602,767 351,191 33,078,847,738 619 58,158,775
35-39 55.4 2.3 59.5 583 60,137,794 374,141 36,303,668,043 1,052 101,135,638
40-44 56.6 1.9 56.5 937 86,363,654 355,084 32,838,121,824 1,654 152,797,905
45-49 51.9 1.6 50.5 1,062 86,137,602 268,400 22,082,766,227 2,047 170,556,524
50-54 48.6 1.6 50.4 916 72,696,288 155,595 11,556,995,076 1,884 144,278,278
55-59 48.3 2.0 55.5 571 44,914,876 65,375 4,284,641,357 1,181 80,858,191
60+ 39.0 2.7 41.0 203 12,738,210 19,726 1,103,371,993 520 31,086,170
Total 51.9 0.7 54.2 4,866 418,783,394 1,989,909 173,847,671,706 9,372 772,854,626
By Attained Age
20-24 51.2 11.7 40.6 19 1,127,500 57,118 4,275,547,010 37 2,778,478
25-29 63.9 6.0 63.3 114 9,006,323 196,295 15,714,771,748 178 14,238,439
30-34 55.1 3.7 60.0 224 21,503,363 299,741 26,566,739,961 406 35,809,650
35-39 50.2 2.7 52.7 357 35,528,079 347,417 33,363,336,033 710 67,390,638
40-44 54.5 2.2 55.8 634 61,506,815 356,633 34,143,727,072 1,164 110,190,519
45-49 54.7 1.8 57.2 935 86,687,229 317,089 28,186,593,552 1,708 151,507,040
50-54 51.1 1.6 50.0 1,001 80,108,061 224,503 18,117,138,427 1,959 160,249,455
55-59 49.6 1.7 52.1 855 68,050,061 124,767 9,169,332,565 1,723 130,579,985
60-64 51.7 2.2 60.4 529 43,146,297 50,532 3,378,605,538 1,023 71,445,400
65+ 42.9 3.0 42.3 198 12,119,666 15,812 931,879,799 462 28,665,019
Total 51.9 0.7 54.2 4,866 418,783,394 1,989,909 173,847,671,706 9,372 772,854,626

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 1.2     TOTAL EXPERIENCE -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.9 2.2 28.0 154 14,829,250 177,478 17,169,582,802 572 53,044,543
2 47.9 2.9 50.4 280 27,468,894 158,957 15,499,796,039 585 54,457,555
3 52.1 3.0 57.1 309 31,605,689 141,515 13,910,712,543 594 55,368,758
4 53.6 3.0 55.3 311 29,882,235 121,433 11,971,640,744 581 54,032,568
5 53.2 3.1 52.8 296 27,285,776 103,223 10,175,863,462 557 51,669,775
6 50.2 3.1 49.4 258 23,770,468 84,741 8,419,262,793 514 48,117,580
7+ 55.7 2.0 57.1 810 78,838,115 181,387 18,206,555,623 1,455 137,971,020
Total 49.8 1.0 51.4 2,419 233,680,427 968,734 95,353,414,005 4,856 454,661,799
By Issue Age
20-24 60.8 12.2 66.6 25 2,195,000 58,591 4,686,885,212 41 3,296,414
25-29 72.2 7.5 69.5 92 7,969,796 128,706 11,465,863,223 127 11,461,881
30-34 45.5 4.2 55.0 120 15,211,121 172,836 17,889,757,016 264 27,674,469
35-39 48.9 3.2 55.0 230 28,422,519 185,931 20,309,534,660 471 51,683,538
40-44 50.2 2.5 49.9 407 43,065,668 176,624 18,791,538,174 811 86,389,741
45-49 49.6 2.1 46.6 533 47,942,170 130,737 12,494,991,874 1,075 102,948,541
50-54 51.4 2.2 52.1 550 48,860,427 75,128 6,580,193,222 1,069 93,856,193
55-59 49.3 2.7 55.9 344 30,813,010 31,318 2,471,501,067 699 55,106,098
60-64 39.8 4.1 42.3 96 7,945,352 7,483 580,885,217 241 18,792,509
65+ 36.2 7.9 36.4 21 1,255,364 1,380 82,264,340 58 3,452,415
Total 49.8 1.0 51.4 2,419 233,680,427 968,734 95,353,414,005 4,856 454,661,799
By Attained Age
20-24 36.9 15.1 27.9 6 360,000 26,899 2,125,696,487 16 1,291,632
25-29 75.1 10.2 75.7 54 4,647,296 90,801 7,708,820,422 72 6,139,261
30-34 58.0 5.9 61.8 97 9,999,871 143,766 13,783,143,375 167 16,172,112
35-39 43.5 3.8 45.8 131 14,843,856 172,058 18,344,780,172 302 32,394,823
40-44 47.5 3.0 51.7 252 29,840,174 177,803 19,332,987,430 530 57,736,962
45-49 47.0 2.4 48.1 396 41,446,947 156,515 16,050,700,152 842 86,255,656
50-54 49.6 2.2 48.5 518 47,555,188 108,984 10,221,765,419 1,045 97,975,754
55-59 51.6 2.3 51.7 512 44,771,212 60,210 5,260,712,961 994 86,633,495
60-64 54.5 3.0 64.4 334 31,933,825 24,325 1,968,357,239 614 49,561,752
65+ 43.2 4.0 40.4 118 8,282,058 7,373 556,450,346 274 20,500,352
Total 49.8 1.0 51.4 2,419 233,680,427 968,734 95,353,414,005 4,856 454,661,799

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 1.3     TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.7 2.1 30.3 170 12,857,461 191,498 14,447,062,175 612 42,387,724
2 50.1 2.9 51.0 301 21,373,398 169,857 12,938,075,689 600 41,884,517
3 58.2 3.1 64.9 341 26,665,553 149,834 11,503,793,956 587 41,113,556
4 59.5 3.3 65.0 329 25,283,187 127,568 9,855,827,668 553 38,882,386
5 58.3 3.4 66.0 300 23,927,024 108,208 8,384,875,171 515 36,277,297
6 63.2 3.7 73.4 292 23,987,914 88,703 6,885,607,405 462 32,683,883
7+ 60.1 2.3 60.0 713 51,008,430 185,506 14,479,015,636 1,186 84,963,463
Total 54.2 1.1 58.2 2,447 185,102,967 1,021,175 78,494,257,701 4,515 318,192,827
By Issue Age
20-24 66.3 10.7 56.7 38 2,340,000 66,806 4,794,611,465 57 4,123,985
25-29 55.3 5.4 64.2 104 9,687,407 146,294 11,651,899,549 188 15,100,863
30-34 60.3 4.1 60.3 214 18,391,646 178,355 15,189,090,723 355 30,484,307
35-39 60.6 3.2 64.1 352 31,715,275 188,210 15,994,133,382 581 49,452,100
40-44 62.8 2.7 65.2 530 43,297,986 178,460 14,046,583,650 843 66,408,164
45-49 54.4 2.4 56.5 529 38,195,432 137,663 9,587,774,353 972 67,607,983
50-54 45.0 2.3 47.3 367 23,835,861 80,467 4,976,801,854 815 50,422,085
55-59 47.0 3.1 54.8 227 14,101,866 34,057 1,813,140,290 483 25,752,094
60+ 38.9 4.2 40.0 86 3,537,494 10,863 440,222,435 221 8,841,245
Total 54.2 1.1 58.2 2,447 185,102,967 1,021,175 78,494,257,701 4,515 318,192,827
By Attained Age
20-24 62.3 17.3 51.6 13 767,500 30,220 2,149,850,523 21 1,486,846
25-29 56.4 7.3 53.8 60 4,359,027 105,494 8,005,951,326 106 8,099,178
30-34 53.1 4.7 58.6 127 11,503,492 155,975 12,783,596,586 239 19,637,539
35-39 55.2 3.7 59.1 225 20,684,223 175,360 15,018,555,861 408 34,995,815
40-44 60.3 3.1 60.4 383 31,666,641 178,830 14,810,739,643 634 52,453,557
45-49 62.2 2.7 69.3 539 45,240,282 160,574 12,135,893,400 866 65,251,384
50-54 52.9 2.4 52.3 483 32,552,873 115,520 7,895,373,008 914 62,273,701
55-59 47.0 2.5 53.0 343 23,278,849 64,557 3,908,619,604 729 43,946,490
60-64 47.4 3.4 51.2 194 11,212,472 26,207 1,410,248,298 410 21,883,648
65+ 42.6 4.8 47.0 80 3,837,608 8,439 375,429,453 188 8,164,668
Total 54.2 1.1 58.2 2,447 185,102,967 1,021,175 78,494,257,701 4,515 318,192,827

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.1     TOTAL EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 40.8 6.0 46.4 45 2,867,750 43,520 2,715,752,876 111 6,184,993
2 68.8 8.1 75.0 72 4,370,133 36,511 2,266,520,051 105 5,826,961
3 94.0 9.6 105.7 95 5,952,073 31,257 1,944,785,201 101 5,633,650
4 76.2 9.0 69.4 71 3,625,056 25,664 1,604,529,072 93 5,226,950
5 76.3 9.5 96.5 65 4,619,605 21,026 1,314,079,285 85 4,788,984
6 87.8 10.8 80.7 66 3,472,628 16,765 1,057,533,987 75 4,300,694
7+ 91.4 6.9 87.0 178 10,241,653 33,537 2,186,579,193 195 11,770,146
Total 77.4 3.2 80.4 593 35,148,898 208,280 13,089,779,665 766 43,732,377
By Issue Age
20-24 84.6 22.6 68.7 14 675,000 21,554 1,285,488,648 17 981,964
25-29 80.8 14.1 90.6 33 2,430,880 37,799 2,507,909,949 41 2,683,638
30-34 55.6 9.3 72.2 36 3,299,120 38,373 2,724,864,250 65 4,568,364
35-39 77.3 8.6 78.2 80 5,436,734 37,810 2,559,396,464 104 6,956,565
40-44 81.9 7.3 86.0 126 8,147,565 33,933 2,082,837,262 154 9,474,945
45-49 96.7 7.5 107.8 166 10,126,741 23,316 1,251,191,430 172 9,396,233
50-54 62.3 7.0 50.5 80 3,055,108 10,983 497,159,986 128 6,049,653
55-59 68.1 10.3 53.1 43 1,500,850 3,629 151,089,276 64 2,828,018
60-64 61.6 17.8 55.8 12 391,900 807 27,188,504 19 702,723
65+ 74.0 52.3 94.2 2 85,000 76 2,653,895 3 90,273
Total 77.4 3.2 80.4 593 35,148,898 208,280 13,089,779,665 766 43,732,377
By Attained Age
20-24 45.8 26.4 19.6 3 75,000 10,220 599,190,221 7 383,339
25-29 66.8 15.7 79.6 18 1,370,000 30,689 1,970,209,964 27 1,721,308
30-34 86.2 13.5 93.3 41 2,963,750 36,460 2,467,342,737 48 3,177,249
35-39 56.1 8.9 54.1 40 2,645,250 35,912 2,503,784,961 71 4,890,770
40-44 74.1 8.0 82.3 85 6,073,818 35,683 2,329,161,235 115 7,383,075
45-49 91.4 7.6 107.8 146 10,091,489 29,775 1,758,174,857 159 9,359,896
50-54 77.9 7.0 81.3 123 6,728,866 18,212 943,256,156 158 8,273,363
55-59 79.8 8.5 63.9 88 3,424,225 8,087 378,882,889 111 5,360,554
60-64 72.2 11.7 51.7 38 1,289,600 2,605 116,977,096 53 2,493,736
65+ 60.2 18.2 70.7 11 486,900 638 22,799,548 18 689,087
Total 77.4 3.2 80.4 593 35,148,898 208,280 13,089,779,665 766 43,732,377

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 48.6 9.1 52.2 28 1,919,750 24,612 1,701,507,291 59 3,680,785
2 77.7 11.8 86.4 43 2,995,000 20,413 1,404,241,022 55 3,464,994
3 102.3 13.8 92.5 55 3,126,073 17,301 1,200,154,652 54 3,380,671
4 74.3 12.2 74.3 37 2,344,531 14,104 983,315,558 50 3,155,018
5 63.6 11.8 85.0 29 2,459,600 11,431 800,034,061 46 2,895,269
6 73.8 13.5 64.1 30 1,693,500 9,099 646,436,491 41 2,642,880
7+ 91.7 9.1 93.0 101 6,984,850 18,232 1,341,822,454 110 7,507,795
Total 78.2 4.3 80.5 324 21,523,304 115,193 8,077,511,530 414 26,727,413
By Issue Age
20-24 61.3 27.4 72.3 5 375,000 11,644 742,898,891 8 518,892
25-29 81.7 19.8 69.4 17 1,035,000 21,753 1,547,968,036 21 1,490,692
30-34 54.0 12.7 73.9 18 1,966,250 22,421 1,763,820,806 33 2,660,237
35-39 92.2 13.2 90.4 49 3,684,085 21,410 1,621,197,928 53 4,073,090
40-44 83.5 10.1 81.4 68 4,605,565 18,432 1,266,883,443 81 5,659,428
45-49 91.7 9.9 106.7 86 6,308,008 12,008 745,793,468 94 5,910,503
50-54 64.8 9.3 54.6 48 2,163,546 5,476 285,904,059 74 3,959,425
55-59 68.7 13.6 57.2 25 1,115,850 1,685 87,547,142 37 1,951,977
60-64 61.9 25.3 56.3 6 245,000 307 13,826,080 10 435,154
65+ 44.5 44.5 36.8 1 25,000 57 1,671,677 2 68,015
Total 78.2 4.3 80.5 324 21,523,304 115,193 8,077,511,530 414 26,727,413
By Attained Age
20-24 30.4 30.4 11.9 1 25,000 5,476 347,975,939 3 210,086
25-29 73.3 23.2 70.1 10 655,000 17,342 1,183,137,191 14 934,505
30-34 86.1 18.8 84.3 21 1,530,000 21,216 1,568,905,395 24 1,815,909
35-39 58.1 12.7 53.0 21 1,483,250 20,751 1,603,066,824 36 2,800,607
40-44 81.8 11.8 99.6 48 4,270,565 19,852 1,452,780,756 59 4,289,342
45-49 97.2 10.7 106.8 82 6,054,093 15,885 1,068,152,000 85 5,670,071
50-54 73.4 9.2 75.7 64 3,940,000 9,220 552,081,908 87 5,207,026
55-59 76.2 11.0 64.0 48 2,270,796 3,880 217,132,399 63 3,550,548
60-64 65.5 14.3 53.6 21 959,600 1,287 71,852,657 32 1,791,848
65+ 67.0 25.3 73.2 7 335,000 283 12,426,460 10 457,470
Total 78.2 4.3 80.5 324 21,523,304 115,193 8,077,511,530 414 26,727,413

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.3     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.1 7.8 37.9 17 948,000 18,907 1,014,245,585 53 2,504,208
2 58.8 10.9 58.2 29 1,375,133 16,098 862,279,029 50 2,361,966
3 84.6 13.4 125.4 40 2,826,000 13,956 744,630,549 47 2,252,979
4 78.5 13.5 61.8 34 1,280,525 11,560 621,213,513 43 2,071,931
5 90.8 15.1 114.1 36 2,160,005 9,595 514,045,225 40 1,893,715
6 104.2 17.4 107.3 36 1,779,128 7,666 411,097,495 35 1,657,814
7+ 91.0 10.4 76.4 77 3,256,803 15,305 844,756,739 85 4,262,350
Total 76.5 4.7 80.1 269 13,625,594 93,087 5,012,268,135 352 17,004,964
By Issue Age
20-24 107.3 35.8 64.8 9 300,000 9,910 542,589,757 8 463,072
25-29 79.9 20.0 117.0 16 1,395,880 16,045 959,941,914 20 1,192,947
30-34 57.2 13.5 69.9 18 1,332,870 15,952 961,043,444 31 1,908,127
35-39 61.5 11.0 60.8 31 1,752,649 16,400 938,198,537 50 2,883,474
40-44 80.2 10.5 92.8 58 3,542,000 15,501 815,953,819 72 3,815,517
45-49 102.7 11.5 109.6 80 3,818,733 11,308 505,397,962 78 3,485,731
50-54 59.1 10.4 42.7 32 891,562 5,507 211,255,927 54 2,090,228
55-59 67.3 15.9 43.9 18 385,000 1,944 63,542,134 27 876,041
60-64 61.3 25.0 54.9 6 146,900 500 13,362,424 10 267,569
65+ 219.8 219.8 269.6 1 60,000 19 982,218 0 22,258
Total 76.5 4.7 80.1 269 13,625,594 93,087 5,012,268,135 352 17,004,964
By Attained Age
20-24 61.4 43.4 28.9 2 50,000 4,744 251,214,281 3 173,253
25-29 60.0 21.2 90.9 8 715,000 13,347 787,072,774 13 786,803
30-34 86.4 19.3 105.3 20 1,433,750 15,244 898,437,342 23 1,361,340
35-39 54.0 12.4 55.6 19 1,162,000 15,161 900,718,138 35 2,090,163
40-44 66.0 10.8 58.3 37 1,803,253 15,831 876,380,479 56 3,093,732
45-49 84.8 10.7 109.4 63 4,037,396 13,890 690,022,857 75 3,689,825
50-54 83.4 10.9 91.0 59 2,788,866 8,991 391,174,248 71 3,066,338
55-59 84.6 13.4 63.7 40 1,153,429 4,207 161,750,490 47 1,810,006
60-64 82.6 20.0 47.0 17 330,000 1,318 45,124,438 21 701,889
65+ 51.2 25.6 65.6 4 151,900 355 10,373,088 8 231,617
Total 76.5 4.7 80.1 269 13,625,594 93,087 5,012,268,135 352 17,004,964

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.4     TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.9 1.6 27.8 278 24,818,961 325,457 28,900,892,101 1,072 89,247,274
2 47.1 2.1 49.1 508 44,472,159 292,303 26,171,351,677 1,080 90,515,111
3 51.4 2.2 57.6 555 52,319,169 260,092 23,469,721,298 1,079 90,848,664
4 54.7 2.3 58.8 569 51,540,366 223,337 20,222,939,341 1,040 87,688,005
5 53.9 2.3 56.0 532 46,593,195 190,405 17,246,659,347 986 83,158,088
6 53.8 2.4 57.9 484 44,285,754 156,679 14,247,336,211 901 76,500,769
7+ 55.0 1.5 56.6 1,346 119,604,892 333,356 30,498,992,066 2,447 211,164,338
Total 49.6 0.8 52.6 4,273 383,634,496 1,781,629 160,757,892,041 8,605 729,122,249
By Issue Age
20-24 59.8 8.5 60.0 49 3,860,000 103,843 8,196,008,028 82 6,438,436
25-29 59.4 4.6 63.8 163 15,226,323 237,202 20,609,852,823 275 23,879,105
30-34 53.8 3.1 56.5 298 30,303,647 312,818 30,353,983,488 554 53,590,412
35-39 53.0 2.4 58.1 503 54,701,060 336,331 33,744,271,578 949 94,179,073
40-44 54.0 1.9 54.6 810 78,216,089 321,152 30,755,284,562 1,500 143,322,961
45-49 47.8 1.6 47.2 896 76,010,861 245,084 20,831,574,797 1,874 161,160,291
50-54 47.6 1.6 50.4 836 69,641,180 144,612 11,059,835,090 1,756 138,228,625
55-59 47.2 2.1 55.6 528 43,414,026 61,746 4,133,552,081 1,117 78,030,173
60+ 38.0 2.8 40.5 189 12,261,310 18,843 1,073,529,594 498 30,293,174
Total 49.6 0.8 52.6 4,273 383,634,496 1,781,629 160,757,892,041 8,605 729,122,249
By Attained Age
20-24 52.3 13.1 43.9 16 1,052,500 46,899 3,676,356,790 31 2,395,139
25-29 63.4 6.5 61.0 96 7,636,323 165,606 13,744,561,784 151 12,517,132
30-34 51.0 3.8 56.8 183 18,539,613 263,281 24,099,397,223 359 32,632,402
35-39 49.6 2.8 52.6 317 32,882,829 311,505 30,859,551,072 639 62,499,868
40-44 52.3 2.2 53.9 549 55,432,997 320,950 31,814,565,838 1,050 102,807,445
45-49 51.0 1.8 53.9 789 76,595,740 287,315 26,428,418,695 1,549 142,147,144
50-54 48.7 1.6 48.3 878 73,379,195 206,292 17,173,882,271 1,801 151,976,092
55-59 47.6 1.7 51.6 767 64,625,836 116,681 8,790,449,676 1,612 125,219,431
60-64 50.5 2.3 60.7 490 41,856,697 47,927 3,261,628,442 971 68,951,664
65+ 42.2 3.1 41.6 187 11,632,766 15,174 909,080,251 443 27,975,932
Total 49.6 0.8 52.6 4,273 383,634,496 1,781,629 160,757,892,041 8,605 729,122,249

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.4 2.2 26.2 125 12,909,500 152,865 15,468,075,511 513 49,363,758
2 44.8 2.9 48.0 237 24,473,894 138,543 14,095,555,017 529 50,992,561
3 47.0 3.0 54.8 254 28,479,616 124,214 12,710,557,891 540 51,988,087
4 51.6 3.1 54.1 274 27,537,704 107,329 10,988,325,186 531 50,877,550
5 52.3 3.2 50.9 267 24,826,176 91,792 9,375,829,401 511 48,774,506
6 48.2 3.2 48.5 228 22,076,968 75,642 7,772,826,301 473 45,474,700
7+ 52.8 2.0 55.1 709 71,853,265 163,155 16,864,733,169 1,345 130,463,224
Total 47.2 1.0 49.6 2,095 212,157,123 853,541 87,275,902,476 4,442 427,934,387
By Issue Age
20-24 60.7 13.6 65.5 20 1,820,000 46,946 3,943,986,321 33 2,777,523
25-29 70.4 8.1 69.5 75 6,934,796 106,953 9,917,895,188 107 9,971,189
30-34 44.3 4.4 52.9 102 13,244,871 150,415 16,125,936,209 231 25,014,232
35-39 43.4 3.2 52.0 181 24,738,434 164,521 18,688,336,733 418 47,610,447
40-44 46.5 2.5 47.6 339 38,460,103 158,192 17,524,654,731 729 80,730,314
45-49 45.6 2.2 42.9 447 41,634,162 118,729 11,749,198,406 981 97,038,038
50-54 50.4 2.3 51.9 502 46,696,881 69,652 6,294,289,163 995 89,896,768
55-59 48.2 2.7 55.9 319 29,697,160 29,633 2,383,953,925 662 53,154,121
60-64 38.9 4.1 41.9 90 7,700,352 7,176 567,059,138 231 18,357,356
65+ 35.9 8.0 36.4 20 1,230,364 1,323 80,592,663 56 3,384,400
Total 47.2 1.0 49.6 2,095 212,157,123 853,541 87,275,902,476 4,442 427,934,387
By Attained Age
20-24 38.6 17.2 31.0 5 335,000 21,423 1,777,720,548 13 1,081,546
25-29 75.5 11.4 76.7 44 3,992,296 73,460 6,525,683,232 58 5,204,756
30-34 53.2 6.1 59.0 76 8,469,871 122,550 12,214,237,980 143 14,356,203
35-39 41.5 3.9 45.1 110 13,360,606 151,306 16,741,713,348 266 29,594,216
40-44 43.2 3.0 47.8 204 25,569,609 157,951 17,880,206,674 471 53,447,620
45-49 41.4 2.3 43.9 314 35,392,854 140,630 14,982,548,153 757 80,585,585
50-54 47.4 2.2 47.0 454 43,615,188 99,763 9,669,683,511 958 92,768,729
55-59 49.9 2.3 51.2 464 42,500,416 56,330 5,043,580,562 930 83,082,947
60-64 53.9 3.0 64.8 313 30,974,225 23,038 1,896,504,582 581 47,769,905
65+ 42.2 4.0 39.7 111 7,947,058 7,089 544,023,886 263 20,042,881
Total 47.2 1.0 49.6 2,095 212,157,123 853,541 87,275,902,476 4,442 427,934,387

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 2.6     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.3 2.2 29.9 153 11,909,461 172,591 13,432,816,590 559 39,883,516
2 49.3 3.0 50.6 271 19,998,265 153,760 12,075,796,660 551 39,522,550
3 55.8 3.2 61.3 301 23,839,553 135,878 10,759,163,408 539 38,860,577
4 57.9 3.4 65.2 295 24,002,662 116,008 9,234,614,155 509 36,810,455
5 55.6 3.4 63.3 264 21,767,019 98,613 7,870,829,946 475 34,383,582
6 59.9 3.7 71.6 256 22,208,786 81,037 6,474,509,910 428 31,026,069
7+ 57.8 2.3 59.2 636 47,751,627 170,201 13,634,258,897 1,102 80,701,113
Total 52.3 1.1 56.9 2,177 171,477,373 928,088 73,481,989,566 4,163 301,187,863
By Issue Age
20-24 59.2 11.0 55.7 29 2,040,000 56,896 4,252,021,708 49 3,660,913
25-29 52.4 5.6 59.6 88 8,291,527 130,249 10,691,957,636 168 13,907,916
30-34 60.6 4.3 59.7 196 17,058,776 162,403 14,228,047,279 324 28,576,180
35-39 60.6 3.4 64.3 321 29,962,626 171,810 15,055,934,846 531 46,568,626
40-44 61.2 2.8 63.5 472 39,755,986 162,960 13,230,629,831 770 62,592,647
45-49 50.2 2.4 53.6 449 34,376,699 126,355 9,082,376,391 894 64,122,253
50-54 44.0 2.4 47.5 335 22,944,299 74,960 4,765,545,927 761 48,331,857
55-59 45.8 3.2 55.1 209 13,716,866 32,113 1,749,598,156 456 24,876,052
60+ 37.5 4.2 38.9 79 3,330,594 10,344 425,877,793 211 8,551,418
Total 52.3 1.1 56.9 2,177 171,477,373 928,088 73,481,989,566 4,163 301,187,863
By Attained Age
20-24 62.5 18.8 54.6 11 717,500 25,476 1,898,636,242 18 1,313,594
25-29 55.8 7.7 49.8 52 3,644,027 92,147 7,218,878,552 93 7,312,376
30-34 49.6 4.8 55.1 107 10,069,742 140,731 11,885,159,243 216 18,276,199
35-39 55.3 3.9 59.3 206 19,522,223 160,199 14,117,837,723 373 32,905,653
40-44 59.8 3.2 60.5 346 29,863,388 162,998 13,934,359,164 578 49,359,824
45-49 60.1 2.8 66.9 476 41,202,886 146,685 11,445,870,543 791 61,561,559
50-54 50.3 2.4 50.3 424 29,764,007 106,529 7,504,198,760 843 59,207,364
55-59 44.4 2.6 52.5 303 22,125,420 60,351 3,746,869,114 682 42,136,484
60-64 45.6 3.4 51.4 177 10,882,472 24,889 1,365,123,860 389 21,181,759
65+ 42.2 4.8 46.5 76 3,685,708 8,084 365,056,366 180 7,933,051
Total 52.3 1.1 56.9 2,177 171,477,373 928,088 73,481,989,566 4,163 301,187,863

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.1     TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.4 2.3 19.9 76 1,663,211 91,319 2,089,859,164 371 8,348,260
2 41.3 3.4 44.4 150 3,650,976 80,083 1,838,794,790 364 8,223,903
3 49.9 3.7 51.1 179 4,155,453 69,718 1,607,364,374 358 8,126,589
4 53.6 4.0 53.0 181 4,100,793 58,711 1,363,635,673 339 7,738,768
5 48.3 3.9 49.3 152 3,587,930 49,276 1,154,971,673 315 7,270,651
6 58.5 4.6 61.4 165 4,033,612 40,058 944,454,199 282 6,570,808
7+ 57.3 2.9 57.7 388 9,337,764 77,155 1,845,147,592 678 16,170,025
Total 47.7 1.3 48.9 1,292 30,529,739 466,319 10,844,227,465 2,707 62,449,004
By Issue Age
20-24 67.6 15.9 82.2 18 455,000 34,101 706,585,116 27 553,566
25-29 58.8 9.5 61.5 38 891,500 56,854 1,277,879,682 65 1,449,607
30-34 52.6 7.0 57.4 57 1,449,450 62,090 1,441,876,709 109 2,526,300
35-39 46.4 5.0 49.2 87 2,253,331 67,416 1,630,495,138 188 4,576,413
40-44 56.5 4.0 59.1 199 5,082,260 76,649 1,864,525,083 352 8,597,785
45-49 50.5 3.0 49.9 283 6,784,747 75,440 1,821,427,677 560 13,586,553
50-54 46.3 2.7 45.6 292 6,732,414 53,934 1,259,880,618 629 14,764,663
55-59 43.7 3.0 44.3 218 4,772,727 28,885 622,382,341 499 10,780,042
60+ 35.9 3.6 37.6 100 2,108,310 10,949 219,175,101 279 5,614,074
Total 47.7 1.3 48.9 1,292 30,529,739 466,319 10,844,227,465 2,707 62,449,004
By Attained Age
20-24 75.9 26.8 85.6 8 185,000 16,319 332,703,440 11 216,094
25-29 55.5 11.6 61.3 23 560,000 45,577 1,002,614,852 41 913,118
30-34 42.9 7.4 43.8 34 791,500 58,143 1,323,127,133 79 1,805,871
35-39 48.3 6.1 56.0 62 1,702,450 61,954 1,461,729,414 129 3,041,945
40-44 52.7 4.8 54.1 122 3,034,511 69,890 1,689,728,685 232 5,613,722
45-49 48.1 3.4 49.4 198 4,904,784 75,652 1,827,627,492 411 9,924,148
50-54 51.7 3.0 52.6 295 7,128,157 65,688 1,566,044,347 569 13,550,921
55-59 45.1 2.8 43.9 269 6,001,473 44,043 1,014,787,662 596 13,682,092
60-64 45.8 3.3 45.6 190 4,133,098 21,182 463,003,427 416 9,070,733
65+ 40.7 4.3 45.1 91 2,088,766 7,870 162,861,013 224 4,630,360
Total 47.7 1.3 48.9 1,292 30,529,739 466,319 10,844,227,465 2,707 62,449,004

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.2     TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.3 2.9 32.0 114 6,243,500 115,655 6,236,806,902 365 19,527,049
2 49.6 3.7 49.5 180 9,617,707 101,052 5,470,114,391 362 19,431,222
3 52.7 3.8 51.4 189 9,909,440 88,209 4,790,200,738 359 19,280,557
4 58.3 4.1 57.5 201 10,686,744 74,867 4,075,793,613 345 18,580,322
5 55.2 4.1 55.1 181 9,751,752 63,517 3,465,060,073 328 17,692,552
6 52.5 4.2 52.5 157 8,467,353 51,936 2,835,065,161 299 16,136,773
7+ 57.8 2.6 58.1 503 27,260,189 117,391 6,395,692,350 871 46,921,680
Total 52.1 1.3 52.0 1,526 81,936,685 612,627 33,268,733,228 2,930 157,570,154
By Issue Age
20-24 50.5 13.5 50.6 14 762,500 35,171 1,914,441,471 28 1,506,463
25-29 67.9 8.6 69.6 63 3,539,823 81,142 4,447,525,419 93 5,084,356
30-34 50.9 5.3 50.1 91 4,916,575 101,330 5,563,058,130 179 9,821,193
35-39 53.6 4.0 54.1 175 9,717,993 114,636 6,291,136,458 327 17,963,713
40-44 53.9 3.1 53.9 294 15,896,795 116,327 6,302,143,715 545 29,485,077
45-49 54.4 2.8 54.4 375 20,109,603 90,287 4,840,669,300 690 36,968,029
50-54 47.6 2.8 46.7 290 15,122,169 50,571 2,683,674,919 610 32,395,059
55-59 51.4 3.9 51.6 173 9,191,327 18,438 976,376,012 336 17,809,922
60-64 40.1 6.2 39.7 42 2,194,900 4,182 220,849,105 105 5,523,865
65+ 47.7 15.9 47.9 9 485,000 543 28,858,699 19 1,012,478
Total 52.1 1.3 52.0 1,526 81,936,685 612,627 33,268,733,228 2,930 157,570,154
By Attained Age
20-24 38.4 19.2 35.3 4 200,000 15,938 867,315,425 10 566,007
25-29 71.7 11.6 76.7 38 2,211,323 58,162 3,168,843,634 53 2,883,773
30-34 59.2 7.0 58.0 71 3,801,241 88,047 4,820,425,857 120 6,555,877
35-39 44.7 4.6 44.4 93 5,072,296 101,180 5,554,392,363 209 11,434,880
40-44 51.1 3.7 51.2 187 10,185,403 110,884 6,059,754,978 365 19,912,203
45-49 55.6 3.1 55.7 312 16,918,110 104,479 5,658,489,662 562 30,396,632
50-54 48.8 2.7 48.8 316 16,905,652 74,879 4,004,446,042 648 34,668,134
55-59 54.4 3.2 53.6 296 15,504,683 39,917 2,122,440,704 543 28,923,436
60-64 52.3 4.2 52.5 155 8,258,077 14,874 787,166,731 297 15,731,121
65+ 44.0 6.0 44.3 54 2,879,900 4,266 225,457,832 123 6,498,091
Total 52.1 1.3 52.0 1,526 81,936,685 612,627 33,268,733,228 2,930 157,570,154

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.3     TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.3 2.7 27.9 108 12,242,500 142,260 16,178,021,637 383 43,822,977
2 56.5 3.8 55.9 222 25,161,942 129,952 14,813,114,075 393 45,052,557
3 61.2 3.9 61.5 244 28,123,000 117,688 13,431,411,511 399 45,697,561
4 55.3 3.8 55.2 214 24,502,885 101,900 11,633,145,918 388 44,424,803
5 61.0 4.1 62.3 226 26,473,118 87,293 9,972,254,921 371 42,481,320
6 56.8 4.1 54.6 194 21,447,417 72,084 8,248,121,915 342 39,274,558
7+ 56.8 2.4 57.8 540 63,178,592 152,352 17,483,430,249 951 109,325,028
Total 54.2 1.3 54.3 1,750 201,129,454 803,529 91,759,500,226 3,226 370,078,804
By Issue Age
20-24 72.0 13.2 66.2 30 3,067,500 52,858 5,884,847,185 42 4,631,105
25-29 58.4 6.3 57.0 86 9,415,880 127,395 14,283,452,245 147 16,506,649
30-34 54.3 4.3 55.7 161 18,876,742 167,579 19,118,735,516 297 33,879,348
35-39 60.2 3.6 61.3 280 32,876,470 166,008 19,117,930,073 466 53,622,286
40-44 57.5 3.0 57.7 373 43,278,750 138,665 16,052,333,812 648 75,064,776
45-49 52.2 2.8 52.9 357 41,506,585 88,203 10,126,996,035 683 78,491,460
50-54 51.1 3.0 50.7 284 32,406,705 44,121 5,068,978,874 555 63,971,569
55-59 46.6 4.0 44.9 136 14,900,822 15,358 1,734,337,849 293 33,183,909
60-64 44.8 7.5 45.3 36 4,100,000 2,909 324,744,437 80 9,052,509
65+ 46.0 17.4 41.8 7 700,000 433 47,144,201 15 1,675,195
Total 54.2 1.3 54.3 1,750 201,129,454 803,529 91,759,500,226 3,226 370,078,804
By Attained Age
20-24 46.2 17.5 43.9 7 742,500 23,259 2,597,780,041 15 1,691,391
25-29 63.7 9.0 59.8 50 5,235,000 86,561 9,648,239,925 79 8,750,511
30-34 55.6 5.4 55.6 105 11,850,622 139,888 15,799,871,686 189 21,328,167
35-39 53.2 4.0 54.0 175 20,363,333 162,071 18,564,417,233 329 37,677,499
40-44 58.2 3.4 59.4 285 33,601,052 151,376 17,492,150,055 490 56,557,582
45-49 57.2 3.0 57.0 360 41,444,335 117,271 13,553,896,592 629 72,656,746
50-54 53.1 2.9 53.1 337 38,892,585 72,228 8,311,718,730 635 73,190,177
55-59 47.9 3.1 48.1 239 27,543,905 35,273 4,027,730,235 500 57,278,084
60-64 54.8 4.5 54.0 145 16,255,122 12,469 1,412,780,272 265 30,111,231
65+ 47.8 7.0 48.0 46 5,201,000 3,134 350,915,457 96 10,837,418
Total 54.2 1.3 54.3 1,750 201,129,454 803,529 91,759,500,226 3,226 370,078,804

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.4     TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 39.0 7.8 31.8 25 7,537,500 19,743 7,111,957,274 64 23,733,981
2 43.3 8.2 44.1 28 10,411,667 17,727 6,315,848,473 65 23,634,390
3 59.2 9.6 68.8 38 16,083,349 15,734 5,585,529,877 65 23,377,607
4 69.6 10.6 71.6 43 15,875,000 13,523 4,754,893,208 62 22,171,062
5 64.4 10.6 55.6 37 11,400,000 11,345 3,968,451,965 57 20,502,549
6 64.8 11.1 73.4 34 13,810,000 9,366 3,277,228,923 53 18,819,324
7+ 64.8 6.8 59.5 92 30,070,000 19,996 6,961,301,068 142 50,517,750
Total 58.6 3.4 57.6 298 105,187,516 107,434 37,975,210,788 508 182,756,663
By Issue Age
20-24 40.9 40.9 34.3 1 250,000 3,265 975,622,905 2 729,266
25-29 82.8 27.5 108.2 9 3,810,000 9,610 3,108,905,426 11 3,522,132
30-34 71.8 14.4 70.1 25 8,360,000 20,191 6,955,177,383 35 11,931,934
35-39 56.5 8.9 61.2 40 15,290,000 26,080 9,264,106,375 71 24,973,226
40-44 65.5 7.8 55.8 71 22,105,849 23,443 8,619,119,213 109 39,650,268
45-49 41.7 6.1 42.7 47 17,736,667 14,470 5,293,673,216 113 41,510,482
50-54 56.5 7.9 55.6 51 18,435,000 6,969 2,544,460,666 90 33,146,988
55-59 81.7 12.3 84.1 44 16,050,000 2,694 951,545,155 54 19,084,318
60-64 40.9 14.5 39.8 8 2,900,000 642 239,925,438 20 7,279,729
65+ 35.5 35.5 26.9 1 250,000 68 22,675,011 3 928,319
Total 58.6 3.4 57.6 298 105,187,516 107,434 37,975,210,788 508 182,756,663
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,603 477,748,105 1 304,986
25-29 56.0 32.4 59.1 3 1,000,000 5,995 1,895,073,337 5 1,691,037
30-34 77.4 20.7 82.7 14 5,060,000 13,663 4,623,315,284 18 6,119,735
35-39 59.6 11.7 55.1 26 8,390,000 22,211 7,782,797,023 44 15,236,315
40-44 51.9 8.2 52.2 40 14,685,849 24,483 8,902,093,354 77 28,107,012
45-49 61.3 7.6 60.8 65 23,420,000 19,687 7,146,579,806 106 38,529,515
50-54 49.8 6.8 44.2 53 17,181,667 11,708 4,234,929,308 107 38,840,223
55-59 60.8 8.5 61.9 51 19,000,000 5,535 2,004,373,965 84 30,696,372
60-64 82.5 13.4 87.7 38 14,500,000 2,006 715,655,108 46 16,532,316
65+ 37.3 14.1 29.1 7 1,950,000 543 192,645,497 19 6,699,151
Total 58.6 3.4 57.6 298 105,187,516 107,434 37,975,210,788 508 182,756,663

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.5     MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.9 3.8 21.6 37 775,750 38,391 876,508,694 160 3,587,889
2 36.6 4.8 40.2 58 1,443,574 33,675 770,371,071 159 3,588,652
3 43.3 5.2 44.6 69 1,615,024 29,319 673,360,030 160 3,621,329
4 51.4 5.8 52.5 79 1,846,264 24,733 572,736,009 154 3,513,886
5 45.5 5.6 46.5 66 1,555,438 20,760 484,722,879 145 3,341,531
6 51.6 6.3 53.9 68 1,648,076 16,881 396,277,096 132 3,059,937
7+ 56.2 4.1 58.6 186 4,605,698 33,078 784,958,698 331 7,866,115
Total 45.4 1.9 47.2 564 13,489,824 196,838 4,558,934,476 1,242 28,579,339
By Issue Age
20-24 49.1 22.0 69.2 5 145,000 14,732 302,881,320 10 209,611
25-29 62.8 16.2 75.0 15 401,500 24,647 554,752,784 24 535,558
30-34 34.8 9.3 33.5 14 311,250 27,075 623,323,040 40 928,830
35-39 48.9 8.2 50.5 35 877,581 29,221 700,307,720 72 1,736,357
40-44 53.1 6.0 54.9 77 1,939,290 32,296 782,067,769 145 3,535,184
45-49 50.5 4.5 53.3 127 3,234,618 31,381 751,453,907 252 6,070,084
50-54 44.3 3.8 43.2 136 3,101,553 21,871 508,469,746 306 7,171,229
55-59 42.0 4.1 44.6 106 2,466,316 11,524 250,592,833 254 5,526,762
60+ 34.8 5.0 35.3 48 1,012,716 4,091 85,085,356 138 2,865,726
Total 45.4 1.9 47.2 564 13,489,824 196,838 4,558,934,476 1,242 28,579,339
By Attained Age
20-24 70.4 40.6 69.1 3 60,000 7,174 145,062,710 4 86,814
25-29 52.3 18.5 72.5 8 245,000 19,542 430,757,228 15 338,122
30-34 41.5 12.0 43.8 12 286,500 25,188 568,776,175 29 653,610
35-39 45.0 9.8 51.3 21 563,250 26,812 628,564,629 47 1,097,632
40-44 39.3 6.6 39.7 35 852,492 30,030 718,982,602 90 2,147,956
45-49 48.3 5.3 49.5 83 2,059,919 31,790 766,664,628 173 4,159,909
50-54 51.7 4.4 54.1 136 3,348,400 27,120 640,669,951 262 6,184,011
55-59 40.4 3.7 40.3 119 2,740,124 17,773 409,317,258 296 6,800,573
60-64 46.4 4.7 48.0 99 2,266,081 8,420 186,502,339 214 4,718,936
65+ 41.7 6.1 44.7 47 1,068,058 2,988 63,636,956 113 2,391,777
Total 45.4 1.9 47.2 564 13,489,824 196,838 4,558,934,476 1,242 28,579,339

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.6     MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 4.1 29.1 47 2,621,000 52,482 2,853,198,771 167 9,005,127
2 49.0 5.4 47.8 84 4,391,453 46,127 2,516,079,092 170 9,190,689
3 54.0 5.6 52.0 93 4,832,816 40,439 2,211,452,352 172 9,286,856
4 55.8 5.7 53.4 94 4,883,086 34,482 1,889,741,593 169 9,136,227
5 57.1 5.9 56.5 93 4,978,100 29,249 1,605,304,270 163 8,816,223
6 55.3 6.1 55.0 83 4,457,725 23,796 1,306,160,118 150 8,109,824
7+ 56.1 3.5 56.0 252 13,590,332 53,479 2,925,399,103 449 24,286,255
Total 51.8 1.9 51.1 746 39,754,512 280,053 15,307,335,298 1,441 77,831,202
By Issue Age
20-24 26.7 15.4 24.5 3 150,000 15,998 874,280,172 11 613,316
25-29 83.9 15.3 84.0 30 1,658,296 36,407 2,010,234,310 36 1,975,178
30-34 37.3 7.3 34.4 26 1,329,871 46,316 2,559,340,224 70 3,860,327
35-39 42.2 5.6 41.7 56 3,055,520 52,045 2,874,714,165 133 7,327,017
40-44 45.7 4.3 45.6 112 6,092,529 53,267 2,906,635,238 245 13,363,846
45-49 53.9 4.0 53.3 185 9,854,800 41,687 2,246,122,249 344 18,491,035
50-54 56.7 4.1 55.8 189 9,972,169 23,425 1,254,616,896 334 17,871,670
55-59 57.9 5.4 57.5 116 6,128,327 8,859 473,052,786 200 10,649,128
60-64 42.2 8.6 41.5 24 1,238,000 1,749 91,884,397 57 2,986,558
65+ 39.5 17.7 39.7 5 275,000 301 16,454,860 13 693,126
Total 51.8 1.9 51.1 746 39,754,512 280,053 15,307,335,298 1,441 77,831,202
By Attained Age
20-24 22.5 22.5 20.6 1 50,000 7,333 400,428,863 4 242,815
25-29 88.2 20.8 88.8 18 992,296 25,817 1,416,168,434 20 1,117,760
30-34 54.3 10.9 52.3 25 1,328,371 39,796 2,196,467,197 46 2,540,351
35-39 35.7 6.6 32.3 29 1,452,273 46,525 2,573,780,770 81 4,501,647
40-44 39.0 5.1 39.3 59 3,264,833 50,789 2,789,899,781 152 8,314,844
45-49 49.3 4.4 48.7 127 6,838,943 47,988 2,615,278,991 258 14,037,528
50-54 45.5 3.7 45.4 150 8,032,536 34,430 1,850,502,483 329 17,696,381
55-59 66.5 4.7 65.4 202 10,627,183 18,463 989,715,416 303 16,241,560
60-64 60.4 5.9 59.8 105 5,555,077 6,935 370,117,510 174 9,282,660
65+ 41.3 7.5 41.8 30 1,613,000 1,977 104,975,854 73 3,855,657
Total 51.8 1.9 51.1 746 39,754,512 280,053 15,307,335,298 1,441 77,831,202

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.7     MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 3.8 28.6 56 6,645,000 73,255 8,445,073,176 200 23,248,442
2 55.7 5.2 55.6 116 13,482,200 67,073 7,748,378,913 209 24,264,920
3 55.2 5.1 54.5 119 13,634,500 60,967 7,050,828,727 215 25,018,225
4 51.0 4.9 50.1 108 12,377,885 52,909 6,120,293,375 212 24,700,817
5 55.9 5.2 56.2 115 13,477,238 45,391 5,253,675,944 206 23,984,514
6 45.2 4.8 43.7 87 9,834,667 37,542 4,354,168,744 193 22,495,856
7+ 52.8 3.1 54.8 299 36,132,085 80,691 9,394,379,242 566 65,984,004
Total 50.0 1.7 50.4 901 105,583,575 417,827 48,366,798,122 1,801 209,696,776
By Issue Age
20-24 87.6 21.9 80.8 16 1,650,000 25,838 2,892,363,862 18 2,041,748
25-29 69.6 10.6 67.4 43 4,710,000 61,824 6,978,777,877 62 6,985,999
30-34 48.2 6.0 50.3 64 7,710,000 86,093 9,932,943,204 133 15,342,804
35-39 50.5 4.8 50.9 111 13,124,418 86,621 10,128,141,046 220 25,783,409
40-44 49.3 3.8 49.4 170 20,018,000 74,400 8,748,467,178 344 40,481,904
45-49 47.5 3.5 48.7 187 22,416,085 47,298 5,525,184,571 394 46,017,203
50-54 53.2 3.9 53.9 190 22,561,705 24,705 2,894,973,403 357 41,821,556
55-59 43.8 4.7 42.7 88 9,868,367 8,946 1,025,607,375 202 23,098,215
60-64 43.6 8.5 44.2 26 3,025,000 1,830 209,575,507 60 6,844,129
65+ 44.1 19.7 39.1 5 500,000 272 30,764,097 11 1,279,808
Total 50.0 1.7 50.4 901 105,583,575 417,827 48,366,798,122 1,801 209,696,776
By Attained Age
20-24 28.8 20.3 32.0 2 250,000 11,421 1,284,593,358 7 782,106
25-29 78.2 15.3 74.0 26 2,760,000 41,814 4,688,585,534 33 3,731,231
30-34 62.3 8.7 62.5 51 5,835,000 70,115 7,993,477,629 82 9,341,616
35-39 46.3 5.6 45.8 68 7,813,333 83,709 9,700,933,863 147 17,066,407
40-44 54.1 4.8 53.7 128 14,947,000 79,807 9,367,983,386 237 27,857,279
45-49 42.4 3.6 43.7 142 17,258,085 62,664 7,363,743,777 336 39,447,875
50-54 51.8 3.7 52.3 194 22,902,585 39,057 4,576,729,002 374 43,780,477
55-59 47.9 3.8 48.9 156 18,603,905 19,833 2,311,076,430 326 38,022,364
60-64 52.3 5.3 52.3 98 11,262,667 7,455 857,245,557 187 21,537,808
65+ 49.1 8.3 48.6 35 3,951,000 1,952 222,429,587 71 8,129,612
Total 50.0 1.7 50.4 901 105,583,575 417,827 48,366,798,122 1,801 209,696,776

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.8     MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.3 8.3 27.8 14 4,787,500 13,350 4,994,802,161 45 17,203,086
2 47.8 10.2 46.8 22 8,151,667 12,082 4,464,966,964 46 17,413,294
3 60.6 11.4 66.1 28 11,523,349 10,790 3,975,071,435 47 17,442,348
4 64.5 12.0 64.6 29 10,775,000 9,309 3,388,869,767 45 16,681,639
5 52.2 11.1 46.9 22 7,275,000 7,823 2,832,160,369 42 15,527,506
6 51.4 11.5 54.2 20 7,830,000 6,522 2,362,656,834 39 14,451,963
7+ 67.4 7.9 61.5 73 24,510,000 14,139 5,101,818,580 108 39,834,645
Total 56.0 3.9 54.0 208 74,852,516 74,015 27,120,346,110 372 138,554,482
By Issue Age
20-24 70.9 70.9 57.9 1 250,000 2,023 617,359,858 1 431,739
25-29 67.1 33.6 61.1 4 1,200,000 5,828 1,922,098,252 6 1,965,146
30-34 76.2 19.0 77.7 16 5,860,000 13,352 4,774,150,547 21 7,542,508
35-39 60.7 11.5 67.5 28 11,365,000 18,043 6,606,371,728 46 16,836,754
40-44 62.8 9.1 51.8 48 15,015,849 16,661 6,354,367,989 77 29,008,807
45-49 39.2 6.8 38.4 33 12,436,667 10,370 3,972,231,146 85 32,370,219
50-54 48.6 8.2 49.0 35 13,225,000 5,127 1,922,133,177 72 26,991,739
55-59 77.6 13.3 78.0 34 12,350,000 1,989 722,248,073 44 15,831,992
60-64 44.5 15.7 43.3 8 2,900,000 558 208,543,662 18 6,699,006
65+ 38.0 38.0 28.5 1 250,000 62 20,841,678 3 876,571
Total 56.0 3.9 54.0 208 74,852,516 74,015 27,120,346,110 372 138,554,482
By Attained Age
20-24 0.0 0.0 0.0 0 0 971 295,611,556 1 179,896
25-29 68.1 48.2 68.3 2 650,000 3,628 1,173,309,227 3 952,148
30-34 86.7 28.9 70.1 9 2,550,000 8,667 3,024,422,374 10 3,636,534
35-39 48.6 13.5 51.5 13 5,015,000 15,012 5,441,500,911 27 9,729,137
40-44 56.5 10.5 55.5 29 10,775,849 17,177 6,456,121,661 52 19,416,883
45-49 56.7 8.6 53.4 43 15,290,000 14,072 5,305,012,757 76 28,610,345
50-54 48.7 7.8 43.8 39 13,271,667 8,376 3,153,863,984 80 30,314,886
55-59 51.3 8.7 50.1 35 12,800,000 4,141 1,550,603,856 68 25,568,998
60-64 83.3 14.7 91.6 32 12,850,000 1,516 554,491,834 38 14,022,348
65+ 35.4 14.5 26.9 6 1,650,000 456 165,407,949 17 6,123,305
Total 56.0 3.9 54.0 208 74,852,516 74,015 27,120,346,110 372 138,554,482

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.9     FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.6 3.0 18.6 39 887,461 52,928 1,213,350,470 212 4,760,371
2 45.0 4.7 47.6 92 2,207,402 46,409 1,068,423,718 205 4,635,251
3 55.3 5.3 56.4 110 2,540,429 40,399 934,004,344 198 4,505,260
4 55.3 5.5 53.4 102 2,254,529 33,977 790,899,664 184 4,224,882
5 50.7 5.5 51.7 86 2,032,492 28,516 670,248,794 170 3,929,120
6 64.5 6.6 67.9 97 2,385,536 23,177 548,177,103 150 3,510,872
7+ 58.3 4.1 57.0 202 4,732,066 44,076 1,060,188,895 346 8,303,910
Total 49.7 1.8 50.3 728 17,039,915 269,481 6,285,292,989 1,466 33,869,665
By Issue Age
20-24 79.0 21.9 90.1 13 310,000 19,370 403,703,796 16 343,956
25-29 56.4 11.8 53.6 23 490,000 32,207 723,126,898 41 914,049
30-34 63.1 9.6 71.3 43 1,138,200 35,015 818,553,668 68 1,597,470
35-39 44.8 6.2 48.4 52 1,375,750 38,195 930,187,418 116 2,840,057
40-44 58.9 5.3 62.1 122 3,142,970 44,353 1,082,457,315 207 5,062,601
45-49 50.4 4.0 47.2 155 3,550,129 44,059 1,069,973,770 308 7,516,470
50-54 48.3 3.9 47.8 156 3,630,861 32,064 751,410,872 323 7,593,433
55-59 45.5 4.3 43.9 111 2,306,411 17,361 371,789,508 245 5,253,280
60+ 37.0 5.1 39.9 52 1,095,594 6,858 134,089,745 141 2,748,348
Total 49.7 1.8 50.3 728 17,039,915 269,481 6,285,292,989 1,466 33,869,665
By Attained Age
20-24 79.7 35.6 96.7 5 125,000 9,145 187,640,730 6 129,280
25-29 57.4 14.8 54.8 15 315,000 26,035 571,857,624 26 574,997
30-34 43.7 9.3 43.8 22 505,000 32,955 754,350,958 50 1,152,262
35-39 50.2 7.8 58.6 41 1,139,200 35,142 833,164,784 82 1,944,313
40-44 61.2 6.6 63.0 87 2,182,019 39,860 970,746,083 142 3,465,766
45-49 47.9 4.5 49.4 114 2,844,865 43,862 1,060,962,865 239 5,764,239
50-54 51.8 4.1 51.3 159 3,779,757 38,568 925,374,396 307 7,366,911
55-59 49.8 4.1 47.4 149 3,261,349 26,270 605,470,403 300 6,881,520
60-64 45.2 4.7 42.9 91 1,867,017 12,763 276,501,089 202 4,351,796
65+ 39.7 6.0 45.6 44 1,020,708 4,881 99,224,057 111 2,238,583
Total 49.7 1.8 50.3 728 17,039,915 269,481 6,285,292,989 1,466 33,869,665

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.10     FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.0 4.1 34.4 67 3,622,500 63,172 3,383,608,131 198 10,521,923
2 50.1 5.1 51.0 96 5,226,254 54,925 2,954,035,299 192 10,240,533
3 51.5 5.3 50.8 96 5,076,624 47,771 2,578,748,386 187 9,993,701
4 60.7 5.9 61.5 107 5,803,658 40,385 2,186,052,021 176 9,444,095
5 53.4 5.7 53.8 88 4,773,652 34,268 1,859,755,804 165 8,876,328
6 49.7 5.8 50.0 74 4,009,628 28,140 1,528,905,043 149 8,026,948
7+ 59.6 3.8 60.4 251 13,669,857 63,912 3,470,293,246 422 22,635,424
Total 52.4 1.9 52.9 780 42,182,173 332,573 17,961,397,930 1,489 79,738,953
By Issue Age
20-24 66.8 20.1 68.6 11 612,500 19,173 1,040,161,299 16 893,147
25-29 57.9 10.1 60.5 33 1,881,527 44,735 2,437,291,109 57 3,109,178
30-34 59.7 7.4 60.2 65 3,586,704 55,015 3,003,717,906 109 5,960,866
35-39 61.3 5.6 62.6 119 6,662,473 62,591 3,416,422,293 195 10,636,695
40-44 60.6 4.5 60.8 182 9,804,266 63,060 3,395,508,477 299 16,121,231
45-49 55.0 4.0 55.5 190 10,254,803 48,599 2,594,547,051 346 18,476,994
50-54 36.6 3.6 35.5 101 5,150,000 27,146 1,429,058,022 276 14,523,389
55-59 42.0 5.5 42.8 57 3,063,000 9,578 503,323,226 136 7,160,794
60+ 40.7 8.7 40.8 22 1,166,900 2,675 141,368,547 54 2,856,658
Total 52.4 1.9 52.9 780 42,182,173 332,573 17,961,397,930 1,489 79,738,953
By Attained Age
20-24 50.3 29.0 46.4 3 150,000 8,605 466,886,561 6 323,193
25-29 61.3 13.7 69.0 20 1,219,027 32,345 1,752,675,200 33 1,766,013
30-34 62.3 9.2 61.6 46 2,472,870 48,251 2,623,958,660 74 4,015,526
35-39 50.4 6.3 52.2 64 3,620,023 54,655 2,980,611,594 127 6,933,233
40-44 59.8 5.3 59.7 128 6,920,570 60,095 3,269,855,197 213 11,597,359
45-49 61.0 4.5 61.6 185 10,079,167 56,491 3,043,210,672 304 16,359,104
50-54 52.1 4.0 52.3 166 8,873,116 40,449 2,153,943,559 319 16,971,754
55-59 39.2 4.0 38.5 94 4,877,500 21,454 1,132,725,287 240 12,681,876
60-64 40.8 5.8 41.9 50 2,703,000 7,939 417,049,221 123 6,448,462
65+ 47.8 9.8 47.9 24 1,266,900 2,290 120,481,978 50 2,642,434
Total 52.4 1.9 52.9 780 42,182,173 332,573 17,961,397,930 1,489 79,738,953

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.11     FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.5 3.9 27.2 52 5,597,500 69,005 7,732,948,461 183 20,574,535
2 57.5 5.6 56.2 106 11,679,742 62,879 7,064,735,162 185 20,787,637
3 68.2 6.1 70.1 125 14,488,500 56,720 6,380,582,784 184 20,679,336
4 60.4 5.9 61.5 106 12,125,000 48,991 5,512,852,543 175 19,723,987
5 67.5 6.4 70.3 111 12,995,880 41,902 4,718,578,977 164 18,496,806
6 71.9 6.9 69.2 107 11,612,750 34,542 3,893,953,170 149 16,778,702
7+ 62.7 4.0 62.4 241 27,046,507 71,661 8,089,051,007 385 43,341,025
Total 59.6 2.0 59.6 849 95,545,879 385,702 43,392,702,104 1,425 160,382,028
By Issue Age
20-24 59.9 16.0 54.7 14 1,417,500 27,021 2,992,483,322 23 2,589,356
25-29 50.4 7.7 49.4 43 4,705,880 65,571 7,304,674,368 85 9,520,650
30-34 59.1 6.0 60.2 97 11,166,742 81,485 9,185,792,312 164 18,536,544
35-39 68.8 5.3 71.0 169 19,752,052 79,387 8,989,789,026 246 27,838,877
40-44 66.8 4.7 67.3 203 23,260,750 64,265 7,303,866,634 304 34,582,871
45-49 58.6 4.5 58.8 169 19,090,500 40,906 4,601,811,464 289 32,474,257
50-54 47.2 4.9 44.4 93 9,845,000 19,415 2,174,005,471 198 22,150,013
55-59 52.7 7.6 49.9 48 5,032,455 6,412 708,730,473 91 10,085,694
60-64 48.3 15.3 48.7 10 1,075,000 1,079 115,168,930 21 2,208,380
65+ 51.5 36.4 50.6 2 200,000 161 16,380,104 4 395,387
Total 59.6 2.0 59.6 849 95,545,879 385,702 43,392,702,104 1,425 160,382,028
By Attained Age
20-24 61.0 27.3 54.2 5 492,500 11,838 1,313,186,683 8 909,284
25-29 53.0 10.8 49.3 24 2,475,000 44,747 4,959,654,392 45 5,019,279
30-34 50.4 6.9 50.2 54 6,015,622 69,773 7,806,394,058 107 11,986,550
35-39 58.8 5.7 60.9 107 12,550,000 78,363 8,863,483,370 182 20,611,092
40-44 62.1 5.0 65.0 157 18,654,052 71,568 8,124,166,670 253 28,700,303
45-49 74.1 5.0 72.8 217 24,186,250 54,606 6,190,152,815 293 33,208,871
50-54 55.0 4.6 54.4 144 15,990,000 33,172 3,734,989,729 261 29,409,700
55-59 47.9 5.3 46.4 83 8,940,000 15,440 1,716,653,805 173 19,255,720
60-64 60.7 8.9 58.2 47 4,992,455 5,014 555,534,715 77 8,573,423
65+ 44.0 13.3 46.2 11 1,250,000 1,181 128,485,870 25 2,707,805
Total 59.6 2.0 59.6 849 95,545,879 385,702 43,392,702,104 1,425 160,382,028

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.12     FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 57.1 17.2 42.1 11 2,750,000 6,393 2,117,155,113 19 6,530,895
2 32.4 13.2 36.3 6 2,260,000 5,645 1,850,881,509 19 6,221,095
3 55.6 17.6 76.8 10 4,560,000 4,944 1,610,458,442 18 5,935,259
4 83.3 22.3 92.9 14 5,100,000 4,214 1,366,023,440 17 5,489,423
5 97.8 25.2 82.9 15 4,125,000 3,522 1,136,291,596 15 4,975,043
6 103.6 27.7 136.9 14 5,980,000 2,845 914,572,089 14 4,367,361
7+ 56.7 13.0 52.0 19 5,560,000 5,856 1,859,482,488 34 10,683,105
Total 65.9 7.0 68.6 89 30,335,000 33,419 10,854,864,678 135 44,202,181
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,243 358,263,047 1 297,527
25-29 101.7 45.3 167.6 5 2,610,000 3,782 1,186,807,174 5 1,556,986
30-34 65.2 21.7 57.0 9 2,500,000 6,839 2,181,026,836 14 4,389,427
35-39 48.7 14.1 48.2 12 3,925,000 8,037 2,657,734,646 25 8,136,472
40-44 71.8 15.0 66.6 23 7,090,000 6,782 2,264,751,224 32 10,641,461
45-49 48.9 13.1 58.0 14 5,300,000 4,099 1,321,442,069 29 9,140,263
50-54 87.6 21.9 84.6 16 5,210,000 1,842 622,327,489 18 6,155,250
55-59 99.4 31.4 113.8 10 3,700,000 705 229,297,082 10 3,252,326
60+ 0.0 0.0 0.0 0 0 90 33,215,110 2 632,472
Total 65.9 7.0 68.6 89 30,335,000 33,419 10,854,864,678 135 44,202,181
By Attained Age
20-24 0.0 0.0 0.0 0 0 632 182,136,549 0 125,090
25-29 41.4 41.4 47.4 1 350,000 2,367 721,764,110 2 738,890
30-34 65.0 29.0 101.1 5 2,510,000 4,996 1,598,892,910 8 2,483,201
35-39 76.9 21.3 61.3 13 3,375,000 7,199 2,341,296,112 17 5,507,178
40-44 42.5 12.8 45.0 11 3,910,000 7,306 2,445,971,693 26 8,690,128
45-49 72.7 15.5 82.0 22 8,130,000 5,615 1,841,567,049 30 9,919,170
50-54 53.2 14.2 45.9 14 3,910,000 3,332 1,081,065,324 26 8,525,337
55-59 101.8 25.5 120.9 16 6,200,000 1,394 453,770,109 16 5,127,374
60+ 73.9 27.9 63.2 7 1,950,000 577 188,400,822 9 3,085,813
Total 65.9 7.0 68.6 89 30,335,000 33,419 10,854,864,678 135 44,202,181

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.13     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.0 8.2 35.3 21 402,750 17,372 367,840,993 56 1,141,537
2 47.6 9.5 54.6 25 585,133 14,757 312,192,815 53 1,071,964
3 93.3 13.6 101.2 47 1,051,073 12,655 269,458,220 51 1,038,847
4 84.7 13.6 84.7 39 806,286 10,331 221,494,878 46 952,394
5 64.9 12.5 71.4 27 620,000 8,437 182,626,499 42 868,264
6 83.2 15.2 89.1 30 673,500 6,671 145,019,496 36 756,242
7+ 93.1 10.7 96.2 75 1,664,172 12,232 269,099,203 81 1,730,191
Total 72.8 4.5 76.8 265 5,802,914 82,454 1,767,732,103 364 7,559,439
By Issue Age
20-24 108.1 40.9 136.2 7 175,000 8,424 167,845,712 6 128,493
25-29 51.4 19.4 61.3 7 180,000 12,375 269,041,881 14 293,856
30-34 58.8 17.0 67.3 12 301,250 11,876 260,408,484 20 447,749
35-39 78.5 14.8 88.9 28 740,000 12,917 300,164,393 36 832,460
40-44 75.6 10.7 82.2 50 1,198,565 14,658 323,811,631 66 1,458,732
45-49 85.0 9.7 88.9 76 1,656,741 12,442 258,315,447 90 1,864,568
50-54 62.8 9.2 59.7 47 890,108 6,640 131,375,055 75 1,491,559
55-59 65.5 12.6 58.0 27 441,250 2,493 45,282,595 42 760,130
60-64 67.9 22.6 79.4 9 195,000 581 10,534,923 13 245,621
65+ 57.5 57.5 68.9 1 25,000 47 951,982 2 36,272
Total 72.8 4.5 76.8 265 5,802,914 82,454 1,767,732,103 364 7,559,439
By Attained Age
20-24 112.5 64.9 141.8 3 75,000 4,167 82,211,591 3 52,887
25-29 42.8 21.4 50.7 4 100,000 10,541 222,928,990 9 197,237
30-34 63.8 20.2 69.5 10 235,000 11,766 254,089,266 16 337,997
35-39 79.7 18.3 101.1 19 545,250 11,685 263,986,271 24 539,400
40-44 68.8 12.4 73.1 31 745,565 13,707 311,580,221 45 1,020,264
45-49 76.5 10.1 82.5 57 1,322,008 13,879 298,245,171 75 1,602,726
50-54 68.8 9.0 71.1 59 1,250,866 9,949 204,615,432 86 1,759,299
55-59 78.4 11.1 73.5 50 924,225 4,757 93,095,597 64 1,258,102
60-64 75.7 15.4 71.6 24 425,000 1,613 29,785,537 32 593,457
65+ 66.8 25.2 90.9 7 180,000 391 7,194,027 10 198,070
Total 72.8 4.5 76.8 265 5,802,914 82,454 1,767,732,103 364 7,559,439

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.14     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 45.9 12.3 46.2 14 755,000 13,751 741,412,151 30 1,633,053
2 99.2 18.7 94.2 28 1,435,000 11,302 610,069,556 28 1,523,729
3 94.9 18.6 95.4 26 1,401,000 9,595 519,076,323 27 1,468,736
4 78.6 17.6 79.5 20 1,084,770 7,873 426,372,182 25 1,365,107
5 46.0 13.9 45.2 11 578,725 6,481 351,447,345 24 1,280,621
6 97.9 21.4 96.9 21 1,114,128 5,187 281,552,472 21 1,149,543
7+ 98.5 12.1 101.9 66 3,632,396 11,551 622,923,124 67 3,564,073
Total 83.1 6.1 83.4 186 10,001,019 65,740 3,552,853,154 224 11,984,860
By Issue Age
20-39 69.7 9.5 69.6 54 2,923,519 45,227 2,461,767,925 77 4,201,930
40-44 91.6 13.6 92.9 45 2,445,000 10,751 573,989,087 49 2,630,552
45-49 101.0 14.6 101.9 48 2,571,000 6,325 335,512,606 48 2,521,972
50-54 78.4 15.7 80.7 25 1,365,000 2,591 137,168,931 32 1,691,894
55+ 78.3 20.9 74.2 14 696,500 846 44,414,604 18 938,513
Total 83.1 6.1 83.4 186 10,001,019 65,740 3,552,853,154 224 11,984,860
By Attained Age
20-44 69.8 8.9 69.2 62 3,321,123 49,093 2,666,706,211 89 4,799,748
45-49 94.7 14.1 96.7 45 2,463,396 9,008 481,347,314 48 2,548,697
50-54 86.2 14.4 88.4 36 1,965,000 4,841 257,650,525 42 2,223,045
55-59 106.0 19.7 103.1 29 1,490,000 1,997 105,203,248 27 1,445,711
60+ 75.7 20.2 78.7 14 761,500 801 41,945,856 18 967,659
Total 83.1 6.1 83.4 186 10,001,019 65,740 3,552,853,154 224 11,984,860

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.15     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.9 12.0 28.6 7 710,000 11,419 1,265,452,062 22 2,484,747
2 83.0 19.6 86.9 18 2,100,000 9,638 1,067,030,677 22 2,415,791
3 90.6 20.8 94.0 19 2,200,000 8,292 918,505,349 21 2,340,238
4 46.2 15.4 45.2 9 984,000 6,860 760,189,102 19 2,176,544
5 134.5 27.4 134.1 24 2,670,880 5,631 623,387,218 18 1,991,509
6 94.3 24.3 94.4 15 1,685,000 4,511 499,552,840 16 1,785,633
7+ 83.5 14.1 91.2 35 4,295,085 8,823 984,878,532 42 4,709,970
Total 79.4 7.0 81.8 127 14,644,965 55,173 6,118,995,781 160 17,904,432
By Issue Age
20-34 64.9 13.0 69.8 25 2,955,880 31,157 3,414,752,004 39 4,233,311
35-39 79.7 17.0 72.7 22 2,266,085 10,374 1,168,509,057 28 3,115,942
40-44 78.2 15.0 80.3 27 3,104,000 7,634 854,272,126 35 3,866,810
45-49 130.1 20.8 142.0 39 4,899,000 3,942 453,687,320 30 3,450,093
50-54 40.5 14.3 36.3 8 800,000 1,608 178,713,834 20 2,201,089
55-59 68.3 30.0 63.8 5 520,000 380 40,966,371 8 815,383
60+ 46.8 46.8 45.1 1 100,000 77 8,095,068 2 221,804
Total 79.4 7.0 81.8 127 14,644,965 55,173 6,118,995,781 160 17,904,432
By Attained Age
20-39 57.8 11.1 59.3 27 3,055,880 35,474 3,899,907,829 47 5,150,749
40-44 73.7 16.1 70.6 21 2,250,000 9,045 1,013,825,961 28 3,187,172
45-49 118.3 19.2 120.6 38 4,406,085 6,054 688,453,376 32 3,654,212
50-54 104.5 19.8 115.2 28 3,513,000 3,028 344,074,054 27 3,048,819
55-59 53.2 17.6 53.2 9 1,010,000 1,191 131,795,495 17 1,897,908
60+ 45.6 22.5 42.5 4 410,000 379 40,939,065 9 965,572
Total 79.4 7.0 81.8 127 14,644,965 55,173 6,118,995,781 160 17,904,432

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.16     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 117.5 67.9 108.0 3 1,000,000 977 341,047,670 3 925,655
2 42.9 42.9 30.7 1 250,000 815 277,227,003 2 815,477
3 129.8 74.9 165.4 3 1,300,000 715 237,745,309 2 785,830
4 139.1 80.3 102.3 3 750,000 600 196,472,909 2 732,905
5 157.1 90.7 115.6 3 750,000 477 156,618,224 2 648,590
6 0.0 0.0 0.0 0 0 396 131,409,178 2 609,277
7+ 38.2 27.0 36.8 2 650,000 932 309,678,335 5 1,765,911
Total 82.0 21.2 74.8 15 4,700,000 4,913 1,650,198,628 18 6,283,645
By Issue Age
20-24 0.0 0.0 0.0 0 0 252 75,008,851 0 54,718
25-29 141.4 141.4 160.0 1 350,000 674 207,543,874 1 218,810
30-34 156.8 90.5 140.2 3 900,000 1,130 379,560,738 2 642,110
35-39 127.9 64.0 102.8 4 1,050,000 1,129 373,056,391 3 1,021,153
40-44 99.4 49.7 92.2 4 1,400,000 890 330,764,418 4 1,518,851
45-49 63.5 36.6 64.1 3 1,000,000 607 203,676,057 5 1,559,600
50-54 0.0 0.0 0.0 0 0 144 49,902,166 2 665,112
55+ 0.0 0.0 0.0 0 0 87 30,686,131 2 603,292
Total 82.0 21.2 74.8 15 4,700,000 4,913 1,650,198,628 18 6,283,645
By Attained Age
20-24 0.0 0.0 0.0 0 0 125 36,742,502 0 22,678
25-29 246.4 246.4 285.2 1 350,000 475 143,810,174 0 122,700
30-34 0.0 0.0 0.0 0 0 785 252,029,154 1 317,141
35-39 150.3 86.8 119.9 3 800,000 1,054 354,887,071 2 666,965
40-44 184.8 75.4 144.6 6 1,650,000 1,047 366,983,878 3 1,140,802
45-49 112.3 50.2 122.2 5 1,900,000 833 290,128,997 4 1,554,261
50-54 0.0 0.0 0.0 0 0 394 136,916,145 4 1,242,201
55-59 0.0 0.0 0.0 0 0 142 48,788,549 2 758,832
60+ 0.0 0.0 0.0 0 0 59 19,912,158 1 458,065
Total 82.0 21.2 74.8 15 4,700,000 4,913 1,650,198,628 18 6,283,645

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.17     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 61.7 15.2 58.5 16 319,750 8,606 185,144,770 27 546,213
2 48.3 13.9 57.0 12 295,000 7,251 155,621,899 25 517,193
3 108.3 21.2 119.5 26 600,073 6,046 130,365,750 24 502,210
4 72.8 18.2 82.4 16 380,531 4,860 105,587,013 22 462,042
5 45.6 15.2 58.3 9 245,000 3,917 85,852,825 20 420,238
6 81.4 21.8 91.4 14 333,500 3,073 67,426,941 17 365,031
7+ 81.2 14.4 90.9 32 774,765 5,644 123,990,458 39 852,339
Total 72.2 6.4 80.4 126 2,948,619 39,395 853,989,656 174 3,665,267
By Issue Age
20-24 34.5 34.5 43.3 1 25,000 4,148 83,362,705 3 57,781
25-29 48.9 28.2 60.1 3 80,000 6,414 141,010,690 6 133,148
30-34 46.7 23.3 61.6 4 116,250 5,836 128,308,087 9 188,689
35-39 113.6 27.6 123.4 17 428,000 6,134 141,827,545 15 346,773
40-44 78.3 16.0 87.3 24 601,565 7,040 158,023,216 31 689,077
45-49 81.3 13.7 99.4 35 898,008 5,637 117,762,931 43 903,100
50-54 58.8 12.2 52.6 23 423,546 2,973 60,540,554 39 805,504
55-59 63.2 17.4 64.1 13 256,250 987 18,794,452 21 399,535
60-64 70.1 35.0 86.0 4 95,000 186 3,590,532 6 110,459
65+ 66.2 66.2 80.1 1 25,000 39 768,945 2 31,201
Total 72.2 6.4 80.4 126 2,948,619 39,395 853,989,656 174 3,665,267
By Attained Age
20-24 83.2 83.2 103.9 1 25,000 2,026 40,203,624 1 24,054
25-29 23.5 23.5 27.2 1 25,000 5,451 117,265,837 4 91,858
30-34 59.5 29.7 72.2 4 105,000 5,891 127,656,584 7 145,509
35-39 111.3 33.5 142.0 11 318,250 5,698 128,754,111 10 224,045
40-44 66.3 18.4 66.4 13 295,565 6,577 149,769,097 20 445,445
45-49 89.6 16.0 105.7 31 802,008 6,470 141,499,249 35 758,492
50-54 63.6 12.2 70.0 27 612,000 4,468 92,123,072 43 873,989
55-59 70.6 14.6 65.3 23 435,796 2,000 40,631,026 33 667,616
60-64 52.6 17.5 57.5 9 195,000 680 13,531,667 17 338,940
65+ 102.1 45.7 141.6 5 135,000 134 2,555,389 5 95,320
Total 72.2 6.4 80.4 126 2,948,619 39,395 853,989,656 174 3,665,267

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.18     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 36.1 14.8 32.5 6 290,000 7,949 430,632,252 17 892,701
2 103.3 25.8 96.0 16 800,000 6,432 348,990,250 15 833,419
3 100.4 25.9 102.6 15 826,000 5,417 294,665,300 15 804,705
4 78.4 23.7 76.9 11 580,000 4,426 240,840,209 14 754,715
5 30.3 15.1 26.7 4 189,600 3,594 195,905,540 13 710,870
6 67.0 23.7 66.3 8 425,000 2,851 155,420,335 12 641,211
7+ 100.7 16.1 104.9 39 2,165,000 6,261 339,157,987 39 2,063,850
Total 79.2 8.0 78.7 99 5,275,600 36,931 2,005,611,872 125 6,701,472
By Issue Age
20-39 68.6 13.2 65.0 27 1,395,000 25,625 1,403,533,721 39 2,146,375
40-44 93.6 18.7 95.0 25 1,350,000 5,977 318,148,833 27 1,421,262
45-49 80.8 17.2 83.6 22 1,201,000 3,453 182,766,709 27 1,437,314
50-54 84.8 20.6 87.0 17 940,000 1,426 77,068,339 20 1,080,038
55+ 68.9 24.4 63.2 8 389,600 450 24,094,270 12 616,483
Total 79.2 8.0 78.7 99 5,275,600 36,931 2,005,611,872 125 6,701,472
By Attained Age
20-39 66.5 16.1 61.9 17 870,000 21,160 1,162,411,058 26 1,404,583
40-44 70.8 18.9 68.6 14 725,000 6,697 358,774,077 20 1,056,492
45-49 94.7 18.9 98.3 25 1,386,000 5,002 267,269,818 26 1,409,788
50-54 69.6 16.9 70.2 17 915,000 2,615 139,554,210 24 1,303,535
55-59 96.6 24.2 93.4 16 825,000 1,023 54,537,785 17 883,765
60+ 81.9 25.9 86.2 10 554,600 436 23,064,925 12 643,309
Total 79.2 8.0 78.7 99 5,275,600 36,931 2,005,611,872 125 6,701,472

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.19     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.1 13.1 20.5 3 310,000 7,296 814,319,998 13 1,515,502
2 106.4 28.4 111.2 14 1,650,000 6,103 681,285,330 13 1,483,297
3 99.2 27.5 94.8 13 1,400,000 5,299 591,862,265 13 1,477,399
4 65.4 23.1 64.0 8 884,000 4,372 488,391,820 12 1,381,271
5 125.0 33.4 120.7 14 1,525,000 3,561 397,564,659 11 1,263,462
6 78.9 27.7 80.8 8 935,000 2,873 321,261,917 10 1,157,751
7+ 100.6 19.0 107.4 28 3,395,085 5,614 635,265,093 28 3,160,891
Total 87.1 9.3 88.3 88 10,099,085 35,117 3,929,951,082 101 11,439,573
By Issue Age
20-34 66.7 17.2 68.2 15 1,700,000 19,834 2,189,315,302 22 2,493,796
35-39 96.2 24.1 85.2 16 1,616,085 6,780 769,683,889 17 1,896,915
40-44 75.8 18.9 79.6 16 1,904,000 4,747 537,169,850 21 2,390,474
45-49 136.7 26.3 149.0 27 3,459,000 2,462 290,163,574 20 2,321,986
50-54 59.4 21.0 52.7 8 800,000 970 109,455,842 13 1,518,326
55-59 85.4 37.5 80.8 5 520,000 270 28,567,557 6 643,824
60+ 60.1 60.1 57.4 1 100,000 52 5,595,068 2 174,252
Total 87.1 9.3 88.3 88 10,099,085 35,117 3,929,951,082 101 11,439,573
By Attained Age
20-39 62.2 15.1 59.3 17 1,800,000 22,689 2,509,708,698 27 3,035,920
40-44 88.6 22.9 83.3 15 1,600,000 5,774 654,734,819 17 1,920,622
45-49 114.5 23.9 122.9 23 2,866,085 3,800 440,658,449 20 2,331,622
50-54 115.3 25.8 120.4 20 2,413,000 1,830 211,407,044 17 2,004,603
55-59 74.5 24.7 73.9 9 1,010,000 751 83,977,094 12 1,366,904
60-64 35.9 24.8 33.2 2 210,000 234 25,358,951 6 632,937
65+ 139.3 98.5 136.1 2 200,000 40 4,106,027 1 146,966
Total 87.1 9.3 88.3 88 10,099,085 35,117 3,929,951,082 101 11,439,573

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.20     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 153.1 88.4 137.7 3 1,000,000 762 271,410,272 2 726,369
2 56.4 56.4 39.6 1 250,000 629 218,343,543 2 631,086
3 57.9 57.9 50.3 1 300,000 539 183,261,338 2 596,357
4 124.2 87.8 89.8 2 500,000 446 148,496,516 2 556,989
5 139.6 98.7 99.9 2 500,000 359 120,711,038 1 500,698
6 0.0 0.0 0.0 0 0 301 102,327,298 1 478,887
7+ 48.3 34.2 45.4 2 650,000 713 243,408,916 4 1,430,716
Total 78.5 23.7 65.0 11 3,200,000 3,750 1,287,958,920 14 4,921,101
By Issue Age
20-24 0.0 0.0 0.0 0 0 188 56,716,054 0 38,772
25-29 0.0 0.0 0.0 0 0 518 159,417,970 1 158,731
30-34 147.2 104.1 134.8 2 650,000 860 302,161,397 1 482,267
35-39 168.2 84.1 131.3 4 1,050,000 889 300,548,300 2 799,664
40-44 100.3 57.9 64.7 3 750,000 667 253,541,544 3 1,158,615
45-49 53.5 37.9 60.1 2 750,000 455 155,100,254 4 1,248,102
50-54 0.0 0.0 0.0 0 0 107 38,839,324 1 555,558
55+ 0.0 0.0 0.0 0 0 64 21,634,076 1 479,391
Total 78.5 23.7 65.0 11 3,200,000 3,750 1,287,958,920 14 4,921,101
By Attained Age
20-24 0.0 0.0 0.0 0 0 99 29,386,515 0 17,492
25-29 0.0 0.0 0.0 0 0 354 108,425,844 0 86,830
30-34 0.0 0.0 0.0 0 0 611 198,964,105 1 236,981
35-39 140.5 99.3 111.4 2 550,000 807 280,308,973 1 493,834
40-44 250.8 102.4 190.4 6 1,650,000 803 289,502,763 2 866,783
45-49 91.6 52.9 85.5 3 1,000,000 614 218,724,485 3 1,170,170
50-54 0.0 0.0 0.0 0 0 308 108,997,582 3 1,024,899
55-59 0.0 0.0 0.0 0 0 107 37,986,494 2 632,264
60+ 0.0 0.0 0.0 0 0 47 15,662,158 1 391,847
Total 78.5 23.7 65.0 11 3,200,000 3,750 1,287,958,920 14 4,921,101

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.21     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.9 7.5 13.9 5 83,000 8,767 182,696,223 30 595,324
2 47.1 13.1 52.3 13 290,133 7,506 156,570,916 28 554,771
3 79.7 17.4 84.0 21 451,000 6,609 139,092,470 26 536,637
4 95.5 19.9 86.8 23 425,755 5,471 115,907,865 24 490,352
5 82.5 19.4 83.7 18 375,000 4,521 96,773,674 22 448,025
6 84.8 21.2 86.9 16 340,000 3,597 77,592,555 19 391,211
7+ 104.4 15.9 101.3 43 889,407 6,588 145,108,745 41 877,852
Total 73.3 6.2 73.3 139 2,854,295 43,059 913,742,448 190 3,894,172
By Issue Age
20-24 167.7 68.4 212.1 6 150,000 4,276 84,483,007 4 70,712
25-29 53.4 26.7 62.2 4 100,000 5,961 128,031,191 7 160,708
30-34 67.7 23.9 71.4 8 185,000 6,040 132,100,398 12 259,059
35-39 53.1 16.0 64.2 11 312,000 6,783 158,336,848 21 485,687
40-44 73.3 14.4 77.6 26 597,000 7,618 165,788,415 35 769,655
45-49 88.3 13.8 78.9 41 758,733 6,805 140,552,515 47 961,468
50-54 67.3 13.7 68.0 24 466,562 3,667 70,834,501 36 686,055
55-59 67.9 18.2 51.3 14 185,000 1,506 26,488,144 21 360,594
60+ 64.2 28.7 71.3 5 100,000 403 7,127,429 8 140,233
Total 73.3 6.2 73.3 139 2,854,295 43,059 913,742,448 190 3,894,172
By Attained Age
20-24 136.6 96.6 173.4 2 50,000 2,141 42,007,968 1 28,833
25-29 59.1 34.1 71.2 3 75,000 5,090 105,663,153 5 105,379
30-34 67.0 27.4 67.5 6 130,000 5,875 126,432,682 9 192,487
35-39 57.3 20.3 72.0 8 227,000 5,987 135,232,160 14 315,355
40-44 70.8 16.7 78.3 18 450,000 7,130 161,811,124 25 574,819
45-49 65.1 12.7 61.6 26 520,000 7,409 156,745,922 40 844,234
50-54 73.9 13.1 72.2 32 638,866 5,480 112,492,361 43 885,310
55-59 86.6 16.7 82.7 27 488,429 2,757 52,464,570 31 590,487
60-64 102.6 26.5 90.4 15 230,000 933 16,253,871 15 254,517
65+ 35.8 25.3 43.8 2 45,000 257 4,638,638 6 102,751
Total 73.3 6.2 73.3 139 2,854,295 43,059 913,742,448 190 3,894,172

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.22     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 57.6 20.4 62.8 8 465,000 5,802 310,779,899 14 740,352
2 94.2 27.0 92.0 12 635,000 4,871 261,079,306 13 690,310
3 88.4 26.6 86.6 11 575,000 4,178 224,411,023 12 664,031
4 78.7 26.2 82.7 9 504,770 3,447 185,531,973 11 610,391
5 65.5 24.8 68.3 7 389,125 2,887 155,541,805 11 569,751
6 136.7 37.9 135.6 13 689,128 2,336 126,132,137 10 508,331
7+ 95.5 18.4 97.8 27 1,467,396 5,290 283,765,137 28 1,500,223
Total 87.9 9.4 89.4 87 4,725,419 28,809 1,547,241,281 99 5,283,389
By Issue Age
20-39 70.8 13.6 74.4 27 1,528,519 19,602 1,058,234,204 38 2,055,555
40-44 89.1 19.9 90.5 20 1,095,000 4,774 255,840,254 23 1,209,290
45-49 128.1 25.1 126.3 26 1,370,000 2,872 152,745,897 20 1,084,658
50-54 67.5 23.9 69.5 8 425,000 1,165 60,100,592 12 611,856
55-59 93.1 46.6 90.9 4 200,000 305 15,603,121 4 219,988
60+ 100.8 71.3 104.8 2 106,900 91 4,717,213 2 102,042
Total 87.9 9.4 89.4 87 4,725,419 28,809 1,547,241,281 99 5,283,389
By Attained Age
20-44 71.4 12.8 73.8 31 1,726,123 21,236 1,145,521,076 43 2,338,674
45-49 94.8 21.1 94.6 20 1,077,396 4,007 214,077,496 21 1,138,909
50-54 109.5 25.1 114.2 19 1,050,000 2,226 118,096,316 17 919,509
55-59 120.3 33.4 118.3 13 665,000 974 50,665,463 11 561,946
60+ 63.6 31.8 63.8 4 206,900 366 18,880,931 6 324,351
Total 87.9 9.4 89.4 87 4,725,419 28,809 1,547,241,281 99 5,283,389

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.23     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 45.3 22.7 41.3 4 400,000 4,123 451,132,064 9 969,245
2 46.9 23.4 48.3 4 450,000 3,535 385,745,347 9 932,494
3 76.1 31.1 92.7 6 800,000 2,993 326,643,084 8 862,839
4 13.8 13.8 12.6 1 100,000 2,488 271,797,282 7 795,273
5 150.4 47.6 157.4 10 1,145,880 2,069 225,822,559 7 728,047
6 121.9 46.1 119.4 7 750,000 1,638 178,290,923 6 627,882
7+ 49.7 18.8 58.1 7 900,000 3,209 349,613,440 14 1,549,080
Total 66.1 10.6 70.3 39 4,545,880 20,056 2,189,044,699 59 6,464,859
By Issue Age
20-34 62.3 19.7 72.2 10 1,255,880 11,323 1,225,436,702 16 1,739,515
35-39 54.6 22.3 53.3 6 650,000 3,593 398,825,168 11 1,219,027
40-44 82.0 24.7 81.3 11 1,200,000 2,887 317,102,276 13 1,476,337
45-49 117.3 33.9 127.6 12 1,440,000 1,479 163,523,747 10 1,128,107
50-54 0.0 0.0 0.0 0 0 638 69,257,992 6 682,763
55+ 0.0 0.0 0.0 0 0 136 14,898,814 2 219,110
Total 66.1 10.6 70.3 39 4,545,880 20,056 2,189,044,699 59 6,464,859
By Attained Age
20-39 51.7 16.3 59.4 10 1,255,880 12,786 1,390,199,131 19 2,114,828
40-44 52.0 21.2 51.3 6 650,000 3,272 359,091,142 12 1,266,550
45-49 124.7 32.2 116.4 15 1,540,000 2,254 247,794,927 12 1,322,590
50-54 84.8 30.0 105.3 8 1,100,000 1,198 132,667,010 9 1,044,216
55-59 0.0 0.0 0.0 0 0 441 47,818,401 5 531,005
60+ 0.0 0.0 0.0 0 0 105 11,474,087 2 185,669
Total 66.1 10.6 70.3 39 4,545,880 20,056 2,189,044,699 59 6,464,859

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.24     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 215 69,637,399 1 199,287
2 0.0 0.0 0.0 0 0 186 58,883,460 1 184,392
3 341.8 241.7 527.8 2 1,000,000 176 54,483,971 1 189,473
4 182.9 182.9 142.1 1 250,000 154 47,976,393 1 175,916
5 209.6 209.6 169.0 1 250,000 118 35,907,186 0 147,893
6 0.0 0.0 0.0 0 0 95 29,081,880 0 130,389
7+ 0.0 0.0 0.0 0 0 219 66,269,419 1 335,196
Total 93.7 46.8 110.1 4 1,500,000 1,163 362,239,707 4 1,362,544
By Issue Age
20-24 0.0 0.0 0.0 0 0 63 18,292,797 0 15,945
25-29 517.7 517.7 582.6 1 350,000 156 48,125,904 0 60,078
30-34 180.3 180.3 156.4 1 250,000 270 77,399,341 1 159,843
35-39 0.0 0.0 0.0 0 0 239 72,508,091 1 221,489
40-44 96.6 96.6 180.4 1 650,000 222 77,222,874 1 360,236
45+ 59.4 59.4 45.9 1 250,000 213 68,690,700 2 544,953
Total 93.7 46.8 110.1 4 1,500,000 1,163 362,239,707 4 1,362,544
By Attained Age
20-24 0.0 0.0 0.0 0 0 26 7,355,987 0 5,186
25-29 819.9 819.9 975.7 1 350,000 121 35,384,330 0 35,870
30-34 0.0 0.0 0.0 0 0 173 53,065,049 0 80,159
35-39 174.8 174.8 144.4 1 250,000 247 74,578,098 1 173,130
40-44 0.0 0.0 0.0 0 0 243 77,481,115 1 274,019
45-49 169.9 120.2 234.3 2 900,000 219 71,404,512 1 384,092
50+ 0.0 0.0 0.0 0 0 133 42,970,617 1 410,088
Total 93.7 46.8 110.1 4 1,500,000 1,163 362,239,707 4 1,362,544

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.25     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 17.3 2.3 17.5 54 1,260,461 73,946 1,722,018,171 315 7,206,723
2 40.2 3.6 42.9 125 3,065,843 65,327 1,526,601,975 312 7,151,939
3 42.8 3.7 43.8 132 3,104,380 57,063 1,337,906,154 308 7,087,743
4 48.7 4.1 48.5 142 3,294,507 48,380 1,142,140,794 293 6,786,374
5 45.8 4.1 46.4 125 2,967,930 40,839 972,345,174 274 6,402,387
6 54.8 4.7 57.8 135 3,360,112 33,388 799,434,703 246 5,814,566
7+ 52.5 3.0 53.1 313 7,673,592 64,923 1,576,048,390 597 14,439,834
Total 43.8 1.4 45.0 1,027 24,726,825 383,865 9,076,495,362 2,344 54,889,565
By Issue Age
20-24 54.5 16.4 65.9 11 280,000 25,677 538,739,404 20 425,074
25-29 60.7 10.9 61.6 31 711,500 44,479 1,008,837,801 51 1,155,750
30-34 51.1 7.6 55.2 45 1,148,200 50,214 1,181,468,224 88 2,078,551
35-39 38.8 5.0 40.4 59 1,513,331 54,499 1,330,330,745 153 3,743,954
40-44 52.1 4.3 54.4 149 3,883,695 61,991 1,540,713,453 286 7,139,053
45-49 43.9 3.1 43.7 206 5,128,006 62,998 1,563,112,230 470 11,721,985
50-54 44.1 2.8 44.0 244 5,842,306 47,294 1,128,505,563 554 13,273,104
55-59 41.7 3.0 43.2 191 4,331,477 26,391 577,099,746 457 10,019,913
60+ 34.2 3.6 35.4 90 1,888,310 10,321 207,688,196 264 5,332,181
Total 43.8 1.4 45.0 1,027 24,726,825 383,865 9,076,495,362 2,344 54,889,565
By Attained Age
20-24 63.5 28.4 67.4 5 110,000 12,153 250,491,849 8 163,207
25-29 59.2 13.6 64.3 19 460,000 35,036 779,685,862 32 715,881
30-34 37.8 7.7 37.9 24 556,500 46,377 1,069,037,867 64 1,467,875
35-39 41.1 6.3 46.2 43 1,157,200 50,269 1,197,743,143 105 2,502,544
40-44 48.8 5.1 49.8 91 2,288,946 56,183 1,378,148,464 187 4,593,458
45-49 41.7 3.5 43.1 140 3,582,776 61,773 1,529,382,322 336 8,321,423
50-54 48.7 3.2 49.8 236 5,877,291 55,739 1,361,428,915 484 11,791,623
55-59 41.1 2.8 40.9 218 5,077,248 39,286 921,692,065 532 12,423,990
60-64 43.3 3.4 43.7 166 3,708,098 19,570 433,217,890 384 8,477,276
65+ 39.4 4.3 43.1 84 1,908,766 7,479 155,666,987 213 4,432,289
Total 43.8 1.4 45.0 1,027 24,726,825 383,865 9,076,495,362 2,344 54,889,565

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.26     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.0 3.0 30.7 100 5,488,500 101,904 5,495,394,751 334 17,893,996
2 45.4 3.7 45.7 152 8,182,707 89,750 4,860,044,835 334 17,907,493
3 49.3 3.9 47.8 163 8,508,440 78,614 4,271,124,414 332 17,811,821
4 56.7 4.2 55.8 181 9,601,974 66,994 3,649,421,431 320 17,215,216
5 55.9 4.3 55.9 170 9,173,027 57,036 3,113,612,728 305 16,411,931
6 49.0 4.2 49.1 136 7,353,225 46,749 2,553,512,689 278 14,987,230
7+ 54.4 2.6 54.5 437 23,627,793 105,841 5,772,769,226 804 43,357,607
Total 49.5 1.4 49.4 1,340 71,935,666 546,887 29,715,880,074 2,706 145,585,294
By Issue Age
20-24 44.0 13.9 45.4 10 562,500 28,689 1,564,602,593 23 1,237,632
25-29 59.2 8.6 60.7 47 2,644,823 68,812 3,773,398,921 79 4,356,668
30-34 53.0 5.8 51.9 83 4,468,705 88,306 4,842,922,203 157 8,602,792
35-39 51.5 4.2 52.2 149 8,337,344 101,246 5,573,469,835 290 15,976,703
40-44 50.2 3.2 50.1 248 13,451,795 105,575 5,728,154,628 495 26,854,525
45-49 51.0 2.8 50.9 327 17,538,603 83,961 4,505,156,694 642 34,446,057
50-54 45.9 2.8 44.8 265 13,757,169 47,980 2,546,505,988 578 30,703,165
55-59 50.1 3.9 50.5 162 8,651,727 17,766 941,021,833 323 17,128,649
60-64 39.7 6.3 39.5 40 2,098,000 4,033 213,090,593 101 5,311,583
65+ 44.4 15.7 43.9 8 425,000 518 27,556,786 18 967,520
Total 49.5 1.4 49.4 1,340 71,935,666 546,887 29,715,880,074 2,706 145,585,294
By Attained Age
20-24 47.1 23.6 43.3 4 200,000 12,942 705,793,413 8 462,225
25-29 65.3 12.1 69.9 29 1,691,323 48,361 2,637,411,290 44 2,418,130
30-34 52.9 7.1 51.5 55 2,928,371 75,888 4,151,585,230 104 5,683,710
35-39 45.1 4.9 45.2 83 4,572,296 88,928 4,886,252,311 184 10,111,560
40-44 48.8 3.9 49.0 160 8,757,150 99,001 5,422,983,803 327 17,877,367
45-49 52.0 3.2 51.9 267 14,454,714 95,471 5,177,142,349 514 27,847,935
50-54 46.2 2.8 46.0 280 14,940,652 70,038 3,746,795,516 607 32,445,090
55-59 51.7 3.2 51.0 267 14,014,683 37,920 2,017,237,456 516 27,477,725
60-64 50.4 4.2 50.5 143 7,603,477 14,265 755,071,051 284 15,070,237
65+ 44.5 6.2 44.8 52 2,773,000 4,074 215,607,655 117 6,191,315
Total 49.5 1.4 49.4 1,340 71,935,666 546,887 29,715,880,074 2,706 145,585,294

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.27     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 2.8 27.9 101 11,532,500 130,841 14,912,569,575 361 41,338,230
2 55.0 3.8 54.1 204 23,061,942 120,315 13,746,083,398 372 42,636,767
3 59.6 4.0 59.8 225 25,923,000 109,396 12,512,906,162 378 43,357,323
4 55.8 3.9 55.7 205 23,518,885 95,040 10,872,956,816 368 42,248,259
5 57.3 4.0 58.8 202 23,802,238 81,663 9,348,867,703 353 40,489,811
6 55.0 4.1 52.7 179 19,762,417 67,572 7,748,569,075 326 37,488,925
7+ 55.6 2.5 56.3 505 58,883,507 143,529 16,498,551,717 909 104,615,058
Total 52.9 1.3 53.0 1,623 186,484,489 748,357 85,640,504,445 3,066 352,174,372
By Issue Age
20-24 73.5 14.1 67.5 27 2,767,500 46,463 5,192,051,978 37 4,101,182
25-29 57.5 6.6 55.8 77 8,410,000 114,975 12,926,254,549 134 15,063,364
30-34 53.6 4.4 54.5 148 17,226,742 155,237 17,753,976,415 276 31,619,244
35-39 58.9 3.7 60.6 258 30,610,385 155,634 17,949,421,016 438 50,506,344
40-44 56.4 3.0 56.4 346 40,174,750 131,031 15,198,061,687 614 71,197,965
45-49 48.6 2.7 48.8 318 36,607,585 84,262 9,673,308,715 653 75,041,367
50-54 51.5 3.1 51.2 276 31,606,705 42,512 4,890,265,039 535 61,770,480
55-59 46.0 4.0 44.4 131 14,380,822 14,978 1,693,371,478 285 32,368,527
60-64 44.7 7.6 45.3 35 4,000,000 2,836 317,049,368 78 8,839,749
65+ 46.2 17.5 42.0 7 700,000 429 46,744,201 15 1,666,152
Total 52.9 1.3 53.0 1,623 186,484,489 748,357 85,640,504,445 3,066 352,174,372
By Attained Age
20-24 52.7 19.9 49.9 7 742,500 20,326 2,279,065,925 13 1,487,399
25-29 65.8 9.7 61.9 46 4,835,000 76,689 8,576,201,469 70 7,814,783
30-34 51.7 5.5 50.8 90 9,994,742 128,138 14,507,487,996 174 19,678,222
35-39 54.3 4.2 55.4 167 19,563,333 151,152 17,347,645,666 308 35,316,413
40-44 57.3 3.5 58.7 264 31,351,052 142,330 16,478,324,094 462 53,370,410
45-49 53.9 3.0 53.7 322 37,038,250 111,216 12,865,443,215 597 69,002,533
50-54 50.9 2.9 50.4 309 35,379,585 69,200 7,967,644,676 608 70,141,358
55-59 47.7 3.1 47.9 230 26,533,905 34,082 3,895,934,739 483 55,380,176
60-64 55.5 4.6 54.7 143 16,045,122 12,144 1,377,347,234 258 29,322,520
65+ 46.5 7.0 46.9 44 5,001,000 3,080 345,409,430 95 10,660,557
Total 52.9 1.3 53.0 1,623 186,484,489 748,357 85,640,504,445 3,066 352,174,372

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.28     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 35.8 7.6 28.7 22 6,537,500 18,765 6,770,909,604 62 22,808,326
2 43.4 8.3 44.5 27 10,161,667 16,912 6,038,621,470 63 22,818,912
3 56.6 9.5 65.4 35 14,783,349 15,019 5,347,784,568 62 22,591,777
4 67.1 10.6 70.6 40 15,125,000 12,923 4,558,420,299 60 21,438,157
5 61.2 10.5 53.6 34 10,650,000 10,868 3,811,833,741 56 19,853,958
6 67.1 11.5 75.8 34 13,810,000 8,970 3,145,819,745 51 18,210,048
7+ 65.9 6.9 60.3 90 29,420,000 19,064 6,651,622,734 137 48,751,839
Total 57.7 3.4 56.9 283 100,487,516 102,521 36,325,012,160 489 176,473,018
By Issue Age
20-24 44.3 44.3 37.1 1 250,000 3,014 900,614,054 2 674,548
25-29 78.8 27.8 104.7 8 3,460,000 8,936 2,901,361,552 10 3,303,323
30-34 66.9 14.2 66.1 22 7,460,000 19,061 6,575,616,645 33 11,289,824
35-39 53.2 8.9 59.5 36 14,240,000 24,952 8,891,049,983 68 23,952,073
40-44 64.2 7.8 54.3 67 20,705,849 22,554 8,288,354,794 105 38,131,417
45-49 40.7 6.1 41.9 44 16,736,667 13,862 5,089,997,158 108 39,950,882
50-54 57.7 8.1 56.8 51 18,435,000 6,825 2,494,558,500 89 32,481,876
55-59 84.2 12.7 86.7 44 16,050,000 2,611 922,059,024 52 18,513,085
60-64 41.2 14.6 40.0 8 2,900,000 638 238,725,438 19 7,247,670
65+ 35.5 35.5 26.9 1 250,000 68 22,675,011 3 928,319
Total 57.7 3.4 56.9 283 100,487,516 102,521 36,325,012,160 489 176,473,018
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,478 441,005,603 1 282,309
25-29 40.4 28.6 41.4 2 650,000 5,521 1,751,263,163 5 1,568,337
30-34 81.9 21.9 87.2 14 5,060,000 12,879 4,371,286,130 17 5,802,595
35-39 55.2 11.5 52.1 23 7,590,000 21,157 7,427,909,952 42 14,569,351
40-44 46.0 7.9 48.3 34 13,035,849 23,436 8,535,109,476 74 26,966,210
45-49 59.0 7.6 58.2 60 21,520,000 18,854 6,856,450,809 102 36,975,253
50-54 51.5 7.1 45.7 53 17,181,667 11,314 4,098,013,164 103 37,598,022
55-59 62.4 8.7 63.5 51 19,000,000 5,393 1,955,585,416 82 29,937,540
60-64 85.0 13.8 90.2 38 14,500,000 1,948 695,992,267 45 16,081,631
65+ 37.3 14.1 29.1 7 1,950,000 542 192,396,180 19 6,691,771
Total 57.7 3.4 56.9 283 100,487,516 102,521 36,325,012,160 489 176,473,018

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.29     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 15.2 3.4 15.0 20 456,000 29,786 691,363,924 133 3,041,676
2 34.4 5.1 37.4 46 1,148,574 26,424 614,749,173 134 3,071,459
3 31.7 4.8 32.5 43 1,014,951 23,274 542,994,279 136 3,119,119
4 47.9 6.0 48.0 63 1,465,733 19,874 467,148,995 132 3,051,844
5 45.5 6.0 44.9 57 1,310,438 16,843 398,870,054 126 2,921,293
6 47.1 6.4 48.8 54 1,314,576 13,808 328,850,155 115 2,694,906
7+ 52.9 4.3 54.6 154 3,830,933 27,434 660,968,240 292 7,013,776
Total 41.0 2.0 42.3 438 10,541,205 157,442 3,704,944,821 1,068 24,914,072
By Issue Age
20-24 54.9 27.4 79.0 4 120,000 10,583 219,518,615 7 151,830
25-29 67.6 19.5 79.9 12 321,500 18,233 413,742,094 18 402,410
30-34 31.5 10.0 26.3 10 195,000 21,239 495,014,954 32 740,141
35-39 31.9 7.5 32.4 18 449,581 23,087 558,480,176 57 1,389,584
40-44 46.4 6.4 47.0 53 1,337,725 25,256 624,044,553 115 2,846,107
45-49 44.1 4.6 45.2 92 2,336,610 25,744 633,690,976 209 5,166,983
50-54 42.1 4.0 42.1 112 2,678,007 18,898 447,929,192 267 6,365,726
55-59 40.1 4.1 43.1 93 2,210,066 10,536 231,798,381 233 5,127,227
60+ 32.9 5.0 32.8 43 892,716 3,866 80,725,880 131 2,724,065
Total 41.0 2.0 42.3 438 10,541,205 157,442 3,704,944,821 1,068 24,914,072
By Attained Age
20-24 65.4 46.2 55.8 2 35,000 5,148 104,859,086 3 62,760
25-29 63.5 24.0 89.3 7 220,000 14,091 313,491,391 11 246,264
30-34 36.1 12.7 35.7 8 181,500 19,297 441,119,591 22 508,100
35-39 27.2 8.6 28.0 10 245,000 21,114 499,810,518 37 873,586
40-44 31.8 6.7 32.7 22 556,927 23,453 569,213,505 70 1,702,511
45-49 37.9 5.2 37.0 52 1,257,911 25,321 625,165,379 138 3,401,417
50-54 49.4 4.7 51.5 108 2,736,400 22,652 548,546,879 219 5,310,022
55-59 36.6 3.7 37.6 96 2,304,328 15,773 368,686,232 263 6,132,957
60-64 45.8 4.8 47.3 90 2,071,081 7,740 172,970,672 197 4,379,997
65+ 39.0 6.0 40.6 42 933,058 2,854 61,081,567 108 2,296,458
Total 41.0 2.0 42.3 438 10,541,205 157,442 3,704,944,821 1,068 24,914,072

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.30     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.2 4.3 28.7 41 2,331,000 44,533 2,422,566,519 151 8,112,426
2 43.6 5.3 43.0 68 3,591,453 39,695 2,167,088,842 155 8,357,271
3 49.6 5.6 47.2 78 4,006,816 35,021 1,916,787,051 157 8,482,151
4 53.7 5.9 51.3 83 4,303,086 30,056 1,648,901,384 155 8,381,511
5 59.4 6.3 59.1 89 4,788,500 25,654 1,409,398,730 150 8,105,353
6 54.3 6.3 54.0 75 4,032,725 20,945 1,150,739,783 138 7,468,613
7+ 51.9 3.6 51.4 213 11,425,332 47,218 2,586,241,116 410 22,222,406
Total 49.2 1.9 48.5 647 34,478,912 243,122 13,301,723,426 1,316 71,129,730
By Issue Age
20-24 22.9 16.2 20.9 2 100,000 12,466 682,054,110 9 478,433
25-29 68.6 15.3 68.6 20 1,103,296 29,418 1,624,935,040 29 1,608,979
30-34 37.6 8.0 34.8 22 1,129,871 38,819 2,142,470,029 59 3,244,773
35-39 38.7 5.8 39.2 44 2,465,520 44,439 2,465,575,971 114 6,297,279
40-44 39.9 4.3 39.7 87 4,742,529 47,289 2,588,486,405 218 11,942,584
45-49 51.5 4.0 50.7 163 8,653,800 38,234 2,063,355,540 316 17,053,721
50-54 54.9 4.2 53.8 172 9,032,169 21,999 1,177,548,558 313 16,791,632
55-59 56.9 5.5 56.8 109 5,788,727 8,492 453,301,728 191 10,187,843
60-64 42.1 8.8 41.4 23 1,188,000 1,684 88,443,918 55 2,868,175
65+ 42.0 18.8 41.9 5 275,000 283 15,552,128 12 656,312
Total 49.2 1.9 48.5 647 34,478,912 243,122 13,301,723,426 1,316 71,129,730
By Attained Age
20-24 28.8 28.8 26.4 1 50,000 5,718 312,459,440 3 189,604
25-29 74.8 21.6 75.2 12 662,296 20,283 1,113,842,661 16 880,374
30-34 44.7 10.8 43.1 17 903,371 32,806 1,809,663,886 38 2,096,601
35-39 37.7 7.4 34.9 26 1,337,273 39,504 2,188,468,218 69 3,831,411
40-44 34.2 5.1 35.0 45 2,539,833 44,092 2,431,125,704 132 7,258,352
45-49 44.1 4.4 43.2 102 5,452,943 42,987 2,348,009,173 232 12,627,740
50-54 43.6 3.8 43.4 133 7,117,536 31,816 1,710,948,273 305 16,392,846
55-59 64.7 4.8 63.8 186 9,802,183 17,441 935,177,632 286 15,357,795
60-64 57.3 5.9 56.5 95 5,000,477 6,608 352,568,311 166 8,847,155
65+ 43.8 8.0 44.2 30 1,613,000 1,868 99,460,127 68 3,647,853
Total 49.2 1.9 48.5 647 34,478,912 243,122 13,301,723,426 1,316 71,129,730

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.31     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.5 3.9 29.1 53 6,335,000 65,959 7,630,753,178 186 21,732,939
2 52.3 5.2 51.9 102 11,832,200 60,971 7,067,093,583 195 22,781,623
3 52.3 5.1 52.0 106 12,234,500 55,669 6,458,966,462 202 23,540,826
4 50.1 5.0 49.3 100 11,493,885 48,537 5,631,901,555 200 23,319,545
5 51.9 5.2 52.6 101 11,952,238 41,830 4,856,111,285 195 22,721,052
6 43.3 4.9 41.7 79 8,899,667 34,669 4,032,906,827 183 21,338,105
7+ 50.4 3.1 52.1 271 32,737,000 75,077 8,759,114,149 538 62,823,113
Total 47.8 1.7 48.2 813 95,484,490 382,711 44,436,847,040 1,700 198,257,203
By Issue Age
20-24 83.3 23.1 77.0 13 1,350,000 22,063 2,481,769,792 16 1,754,293
25-29 71.9 11.5 70.0 39 4,310,000 53,991 6,116,537,772 54 6,153,386
30-34 46.5 6.2 48.0 56 6,710,000 77,866 9,016,462,077 120 13,969,077
35-39 46.8 4.8 48.2 95 11,508,333 79,841 9,358,457,157 203 23,886,494
40-44 47.6 3.8 47.6 154 18,114,000 69,653 8,211,297,328 323 38,091,431
45-49 42.8 3.4 43.4 160 18,957,085 44,835 5,235,020,998 375 43,695,217
50-54 53.0 3.9 54.0 182 21,761,705 23,735 2,785,517,561 344 40,303,230
55-59 42.5 4.7 41.6 83 9,348,367 8,676 997,039,819 196 22,454,391
60-64 43.1 8.6 43.9 25 2,925,000 1,778 203,980,439 58 6,669,877
65+ 44.1 19.7 39.1 5 500,000 272 30,764,097 11 1,279,808
Total 47.8 1.7 48.2 813 95,484,490 382,711 44,436,847,040 1,700 198,257,203
By Attained Age
20-24 33.9 24.0 37.5 2 250,000 9,683 1,094,176,980 6 666,777
25-29 80.7 16.8 76.6 23 2,460,000 35,812 4,033,465,797 29 3,212,801
30-34 57.6 8.9 57.9 42 4,835,000 62,392 7,137,996,234 73 8,351,949
35-39 47.0 5.9 46.7 63 7,313,333 76,483 8,892,242,674 135 15,653,915
40-44 51.4 4.8 51.5 113 13,347,000 74,034 8,713,248,567 220 25,936,657
45-49 37.8 3.5 38.8 119 14,392,000 58,864 6,923,085,328 316 37,116,253
50-54 48.7 3.7 49.0 174 20,489,585 37,227 4,365,321,957 356 41,775,874
55-59 46.9 3.9 48.0 147 17,593,905 19,082 2,227,099,336 314 36,655,461
60-64 52.9 5.4 52.9 96 11,052,667 7,221 831,886,606 182 20,904,871
65+ 47.2 8.2 47.0 33 3,751,000 1,912 218,323,560 70 7,982,646
Total 47.8 1.7 48.2 813 95,484,490 382,711 44,436,847,040 1,700 198,257,203

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.32     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.7 7.7 23.0 11 3,787,500 12,588 4,723,391,889 43 16,476,717
2 47.4 10.3 47.1 21 7,901,667 11,453 4,246,623,420 44 16,782,209
3 60.7 11.6 66.6 27 11,223,349 10,251 3,791,810,097 45 16,845,991
4 62.3 12.0 63.7 27 10,275,000 8,863 3,240,373,251 43 16,124,650
5 49.1 11.0 45.1 20 6,775,000 7,464 2,711,449,332 41 15,026,808
6 53.2 11.9 56.0 20 7,830,000 6,220 2,260,329,536 38 13,973,076
7+ 68.1 8.1 62.1 71 23,860,000 13,427 4,858,409,664 104 38,403,930
Total 55.1 3.9 53.6 197 71,652,516 70,265 25,832,387,189 358 133,633,381
By Issue Age
20-24 78.0 78.0 63.6 1 250,000 1,834 560,643,803 1 392,967
25-29 73.4 36.7 66.4 4 1,200,000 5,310 1,762,680,282 5 1,806,415
30-34 71.3 19.0 73.8 14 5,210,000 12,492 4,471,989,150 20 7,060,241
35-39 54.9 11.2 64.3 24 10,315,000 17,154 6,305,823,428 44 16,037,091
40-44 61.3 9.1 51.2 45 14,265,849 15,994 6,100,826,445 74 27,850,192
45-49 38.6 6.9 37.6 31 11,686,667 9,916 3,817,130,892 81 31,122,117
50-54 49.6 8.4 50.0 35 13,225,000 5,021 1,883,293,852 71 26,436,181
55-59 80.0 13.7 80.3 34 12,350,000 1,929 701,813,997 42 15,384,660
60-64 44.8 15.8 43.5 8 2,900,000 554 207,343,662 18 6,666,947
65+ 38.0 38.0 28.5 1 250,000 62 20,841,678 3 876,571
Total 55.1 3.9 53.6 197 71,652,516 70,265 25,832,387,189 358 133,633,381
By Attained Age
20-24 0.0 0.0 0.0 0 0 873 266,225,041 1 162,405
25-29 75.4 53.3 75.1 2 650,000 3,274 1,064,883,383 3 865,318
30-34 93.2 31.1 75.0 9 2,550,000 8,056 2,825,458,269 10 3,399,553
35-39 43.5 13.1 48.3 11 4,465,000 14,205 5,161,191,938 25 9,235,303
40-44 47.1 9.8 49.2 23 9,125,849 16,373 6,166,618,898 49 18,550,100
45-49 55.1 8.7 52.1 40 14,290,000 13,458 5,086,288,273 73 27,440,175
50-54 50.5 8.1 45.3 39 13,271,667 8,069 3,044,866,402 78 29,289,987
55-59 52.7 8.9 51.3 35 12,800,000 4,034 1,512,617,362 67 24,936,734
60-64 85.9 15.2 94.2 32 12,850,000 1,469 539,078,993 37 13,637,881
65+ 35.5 14.5 27.0 6 1,650,000 455 165,158,632 17 6,115,925
Total 55.1 3.9 53.6 197 71,652,516 70,265 25,832,387,189 358 133,633,381

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.33     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.9 3.2 19.3 34 804,461 44,161 1,030,654,247 182 4,165,047
2 44.6 5.0 47.0 79 1,917,269 38,902 911,852,802 177 4,080,480
3 51.5 5.5 52.6 88 2,089,429 33,789 794,911,875 172 3,968,623
4 49.3 5.5 49.0 79 1,828,774 28,507 674,991,799 160 3,734,530
5 46.0 5.6 47.6 68 1,657,492 23,995 573,475,120 148 3,481,094
6 61.6 6.8 65.6 81 2,045,536 19,580 470,584,548 131 3,119,661
7+ 52.1 4.1 51.7 159 3,842,659 37,489 915,080,150 305 7,426,058
Total 46.2 1.9 47.3 589 14,185,620 226,423 5,371,550,541 1,276 29,975,493
By Issue Age
20-24 54.4 20.5 58.6 7 160,000 15,094 319,220,789 13 273,244
25-29 57.1 13.1 51.8 19 390,000 26,246 595,095,707 33 753,341
30-34 62.1 10.5 71.2 35 953,200 28,975 686,453,270 56 1,338,411
35-39 43.0 6.7 45.2 41 1,063,750 31,412 771,850,569 95 2,354,370
40-44 56.0 5.7 59.3 96 2,545,970 36,735 916,668,899 172 4,292,946
45-49 43.7 4.1 42.6 114 2,791,396 37,254 929,421,255 261 6,555,002
50-54 46.0 4.0 45.8 132 3,164,299 28,397 680,576,371 287 6,907,378
55-59 43.4 4.4 43.4 97 2,121,411 15,855 345,301,365 224 4,892,686
60+ 35.4 5.2 38.2 47 995,594 6,455 126,962,316 133 2,608,115
Total 46.2 1.9 47.3 589 14,185,620 226,423 5,371,550,541 1,276 29,975,493
By Attained Age
20-24 62.3 36.0 74.7 3 75,000 7,005 145,632,762 5 100,446
25-29 57.0 16.4 51.1 12 240,000 20,945 466,194,471 21 469,617
30-34 38.7 9.7 39.1 16 375,000 27,081 627,918,276 41 959,774
35-39 48.7 8.5 56.0 33 912,200 29,155 697,932,625 68 1,628,958
40-44 59.1 7.1 59.9 69 1,732,019 32,730 808,934,959 117 2,890,947
45-49 44.4 4.7 47.3 88 2,324,865 36,452 904,216,943 198 4,920,005
50-54 48.2 4.3 48.5 127 3,140,891 33,087 812,882,036 264 6,481,601
55-59 45.5 4.1 44.1 122 2,772,920 23,513 553,005,833 269 6,291,033
60-64 40.7 4.7 40.0 76 1,637,017 11,830 260,247,218 187 4,097,279
65+ 39.9 6.2 45.7 42 975,708 4,624 94,585,420 105 2,135,832
Total 46.2 1.9 47.3 589 14,185,620 226,423 5,371,550,541 1,276 29,975,493

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.34     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.2 4.2 32.3 59 3,157,500 57,370 3,072,828,231 184 9,781,571
2 46.9 5.1 48.1 84 4,591,254 50,054 2,692,955,993 179 9,550,223
3 48.9 5.3 48.3 85 4,501,624 43,593 2,354,337,363 174 9,329,670
4 59.5 6.0 60.0 98 5,298,888 36,939 2,000,520,047 165 8,833,704
5 52.6 5.8 52.8 81 4,384,527 31,381 1,704,213,998 155 8,306,578
6 43.8 5.6 44.2 61 3,320,500 25,804 1,402,772,906 140 7,518,617
7+ 57.0 3.8 57.7 224 12,202,461 58,623 3,186,528,110 393 21,135,201
Total 49.9 1.9 50.3 693 37,456,754 303,765 16,414,156,648 1,390 74,455,564
By Issue Age
20-24 57.3 20.2 60.9 8 462,500 16,224 882,548,483 14 759,198
25-29 53.7 10.3 56.1 27 1,541,527 39,394 2,148,463,882 50 2,747,689
30-34 62.3 8.0 62.3 61 3,338,834 49,487 2,700,452,175 98 5,358,018
35-39 59.7 5.8 60.7 105 5,871,824 56,807 3,107,893,863 177 9,679,425
40-44 58.3 4.6 58.4 161 8,709,266 58,286 3,139,668,223 277 14,911,941
45-49 50.4 3.9 51.1 164 8,884,803 45,728 2,441,801,154 326 17,392,336
50-54 35.2 3.7 34.0 93 4,725,000 25,981 1,368,957,430 264 13,911,534
55-59 40.3 5.5 41.2 53 2,863,000 9,274 487,720,105 132 6,940,806
60+ 38.4 8.6 38.5 20 1,060,000 2,584 136,651,334 52 2,754,616
Total 49.9 1.9 50.3 693 37,456,754 303,765 16,414,156,648 1,390 74,455,564
By Attained Age
20-24 59.8 34.5 55.0 3 150,000 7,224 393,333,972 5 272,621
25-29 59.9 14.5 66.9 17 1,029,027 28,078 1,523,568,629 28 1,537,756
30-34 57.6 9.3 56.5 38 2,025,000 43,082 2,341,921,344 66 3,587,109
35-39 49.6 6.6 51.5 57 3,235,023 49,423 2,697,784,092 115 6,280,149
40-44 58.7 5.5 58.5 114 6,217,317 54,909 2,991,858,099 195 10,619,015
45-49 58.5 4.5 59.1 165 9,001,771 52,484 2,829,133,176 283 15,220,194
50-54 48.8 4.0 48.7 147 7,823,116 38,222 2,035,847,243 302 16,052,244
55-59 35.4 3.9 34.8 81 4,212,500 20,479 1,082,059,824 230 12,119,930
60-64 40.6 5.9 41.8 48 2,603,000 7,657 402,502,740 118 6,223,082
65+ 45.5 9.7 45.6 22 1,160,000 2,206 116,147,528 48 2,543,463
Total 49.9 1.9 50.3 693 37,456,754 303,765 16,414,156,648 1,390 74,455,564

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.35     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.6 4.0 26.5 48 5,197,500 64,882 7,281,816,397 174 19,605,290
2 58.0 5.7 56.6 102 11,229,742 59,344 6,678,989,815 176 19,855,144
3 67.9 6.2 69.1 119 13,688,500 53,727 6,053,939,700 176 19,816,497
4 62.4 6.1 63.5 105 12,025,000 46,503 5,241,055,261 168 18,928,714
5 64.0 6.4 66.7 101 11,850,000 39,833 4,492,756,418 158 17,768,759
6 69.9 7.0 67.3 100 10,862,750 32,904 3,715,662,247 143 16,150,820
7+ 63.2 4.1 62.6 234 26,146,507 68,453 7,739,437,568 371 41,791,945
Total 59.3 2.1 59.1 810 90,999,999 365,646 41,203,657,405 1,366 153,917,169
By Issue Age
20-24 66.3 17.7 60.4 14 1,417,500 24,400 2,710,282,186 21 2,346,890
25-29 47.7 7.7 46.0 38 4,100,000 60,984 6,809,716,777 80 8,909,978
30-34 59.0 6.2 59.6 92 10,516,742 77,371 8,737,514,338 156 17,650,167
35-39 69.4 5.4 71.8 163 19,102,052 75,793 8,590,963,858 235 26,619,850
40-44 66.1 4.8 66.6 192 22,060,750 61,378 6,986,764,358 291 33,106,534
45-49 56.4 4.5 56.3 157 17,650,500 39,426 4,438,287,717 279 31,346,150
50-54 48.8 5.0 45.9 93 9,845,000 18,777 2,104,747,478 192 21,467,250
55-59 53.6 7.7 50.8 48 5,032,455 6,302 696,331,659 90 9,914,136
60-64 49.2 15.6 49.5 10 1,075,000 1,058 113,068,930 20 2,169,871
65+ 52.7 37.3 51.8 2 200,000 157 15,980,104 4 386,343
Total 59.3 2.1 59.1 810 90,999,999 365,646 41,203,657,405 1,366 153,917,169
By Attained Age
20-24 67.8 30.3 60.0 5 492,500 10,642 1,184,888,945 7 820,622
25-29 55.6 11.6 51.6 23 2,375,000 40,877 4,542,735,672 41 4,601,983
30-34 47.5 6.9 45.6 48 5,159,742 65,746 7,369,491,762 101 11,326,273
35-39 60.0 5.9 62.3 104 12,250,000 74,668 8,455,402,992 174 19,662,498
40-44 62.6 5.1 65.6 151 18,004,052 68,296 7,765,075,527 241 27,433,753
45-49 72.0 5.1 71.0 202 22,646,250 52,352 5,942,357,887 281 31,886,281
50-54 53.9 4.6 52.5 136 14,890,000 31,974 3,602,322,719 252 28,365,483
55-59 49.3 5.4 47.7 83 8,940,000 14,999 1,668,835,403 168 18,724,715
60-64 61.9 9.0 59.3 47 4,992,455 4,923 545,460,628 76 8,417,648
65+ 44.6 13.4 46.7 11 1,250,000 1,167 127,085,870 25 2,677,911
Total 59.3 2.1 59.1 810 90,999,999 365,646 41,203,657,405 1,366 153,917,169

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 3.36     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 58.9 17.8 43.4 11 2,750,000 6,178 2,047,517,715 19 6,331,608
2 33.4 13.6 37.4 6 2,260,000 5,459 1,791,998,050 18 6,036,704
3 46.0 16.3 62.0 8 3,560,000 4,768 1,555,974,470 17 5,745,786
4 79.9 22.2 91.3 13 4,850,000 4,060 1,318,047,048 16 5,313,507
5 94.2 25.2 80.3 14 3,875,000 3,404 1,100,384,410 15 4,827,150
6 106.9 28.6 141.1 14 5,980,000 2,750 885,490,209 13 4,236,972
7+ 58.6 13.4 53.7 19 5,560,000 5,637 1,793,213,070 33 10,347,909
Total 65.0 7.0 67.3 85 28,835,000 32,255 10,492,624,971 131 42,839,637
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,179 339,970,250 1 281,581
25-29 84.9 42.2 151.0 4 2,260,000 3,626 1,138,681,270 5 1,496,908
30-34 60.4 21.3 53.2 8 2,250,000 6,570 2,103,627,496 13 4,229,584
35-39 50.2 14.5 49.6 12 3,925,000 7,797 2,585,226,555 24 7,914,982
40-44 71.0 15.1 62.6 22 6,440,000 6,560 2,187,528,350 31 10,281,225
45-49 47.1 13.1 57.2 13 5,050,000 3,947 1,272,866,266 28 8,828,765
50-54 89.5 22.4 86.2 16 5,210,000 1,805 611,264,648 18 6,045,695
55-59 102.6 32.5 118.3 10 3,700,000 682 220,245,027 10 3,128,425
60+ 0.0 0.0 0.0 0 0 90 33,215,110 2 632,472
Total 65.0 7.0 67.3 85 28,835,000 32,255 10,492,624,971 131 42,839,637
By Attained Age
20-24 0.0 0.0 0.0 0 0 606 174,780,562 0 119,904
25-29 0.0 0.0 0.0 0 0 2,246 686,379,780 2 703,019
30-34 67.3 30.0 104.5 5 2,510,000 4,823 1,545,827,862 7 2,403,042
35-39 73.5 21.2 58.6 12 3,125,000 6,952 2,266,718,015 16 5,334,048
40-44 44.0 13.2 46.5 11 3,910,000 7,063 2,368,490,579 25 8,416,110
45-49 68.8 15.4 75.8 20 7,230,000 5,396 1,770,162,537 29 9,535,079
50-54 54.6 14.6 47.1 14 3,910,000 3,245 1,053,146,762 26 8,308,035
55-59 104.5 26.1 124.0 16 6,200,000 1,359 442,968,054 15 5,000,806
60+ 75.4 28.5 64.6 7 1,950,000 565 184,150,822 9 3,019,595
Total 65.0 7.0 67.3 85 28,835,000 32,255 10,492,624,971 131 42,839,637

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.1     TOTAL EXPERIENCE BY ILLNESS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 65.2 1.1 69.7 3,514 299,504,026 1,988,861 173,837,017,856 5,392 429,804,057
Cardio 37.9 1.2 35.1 1,030 83,181,259 1,988,861 173,837,017,856 2,719 237,218,568
Organ 9.1 1.7 7.2 29 2,039,477 1,955,135 171,481,260,933 319 28,212,549
Neuro 28.8 2.0 41.6 216 25,276,632 1,954,990 171,470,625,455 749 60,763,469
Accident/Infectious 45.7 6.4 59.0 51 5,710,000 1,959,242 171,752,266,562 112 9,680,677
LOIE 8.2 5.8 33.3 2 700,000 435,511 37,187,381,558 24 2,099,546
Non-LT 42.2 8.7 47.9 24 2,429,500 1,071,021 19,194,161,140 56 5,075,761
Total 51.9 0.7 54.2 4,866 418,840,894 11,353,620 918,759,731,360 9,372 772,854,626

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.2     TOTAL EXPERIENCE BY ILLNESS -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 64.2 1.7 68.7 1,436 141,814,759 968,149 95,346,821,705 2,238 206,554,999
Cardio 40.7 1.4 37.2 814 70,138,292 968,149 95,346,821,705 1,998 188,529,781
Organ 12.2 2.5 8.4 24 1,609,477 950,271 93,979,624,170 196 19,188,932
Neuro 31.7 3.2 48.9 100 14,532,799 950,211 93,974,950,152 315 29,716,245
Accident/Infectious 41.9 8.2 58.5 26 3,525,000 952,505 94,132,347,575 62 6,029,186
LOIE 0.0 0.0 0.0 0 0 207,435 20,714,416,832 12 1,247,278
Non-LT 55.6 12.8 62.1 19 2,107,600 527,493 10,502,358,254 34 3,395,378
Total 49.8 1.0 51.4 2,419 233,727,927 5,524,213 503,997,340,393 4,856 454,661,799

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.3     TOTAL EXPERIENCE BY ILLNESS -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 65.9 1.4 70.6 2,078 157,689,267 1,020,712 78,490,196,151 3,154 223,249,057
Cardio 30.0 2.0 26.8 216 13,042,967 1,020,712 78,490,196,151 721 48,688,786
Organ 4.1 1.8 4.8 5 430,000 1,004,864 77,501,636,764 123 9,023,617
Neuro 26.7 2.5 34.6 116 10,743,833 1,004,778 77,495,675,303 434 31,047,224
Accident/Infectious 50.4 10.1 59.8 25 2,185,000 1,006,737 77,619,918,987 50 3,651,491
LOIE 16.3 11.6 82.1 2 700,000 228,076 16,472,964,726 12 852,269
Non-LT 21.0 9.8 19.2 5 321,900 543,528 8,691,802,886 22 1,680,382
Total 54.2 1.1 58.2 2,447 185,112,967 5,829,407 414,762,390,967 4,515 318,192,827

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.4     TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 83.1 4.4 86.5 362 20,690,120 208,154 13,088,542,105 436 23,927,696
Cardio 88.2 6.3 88.4 194 11,656,278 208,154 13,088,542,105 220 13,189,223
Organ 13.4 6.7 7.3 4 135,000 203,970 12,876,150,924 30 1,855,184
Neuro 44.0 8.3 62.0 28 2,267,250 203,962 12,875,830,924 64 3,658,687
Accident/Infectious 35.3 17.6 48.6 4 350,000 204,517 12,909,770,324 11 720,786
LOIE 0.0 0.0 0.0 0 0 42,144 2,611,578,026 2 130,091
Non-LT 27.6 27.0 20.0 1 50,250 93,978 1,120,605,801 4 250,711
Total 77.4 3.2 80.4 593 35,148,898 1,164,879 68,571,020,208 766 43,732,377

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.5     TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 74.6 6.3 78.3 140 9,367,654 115,111 8,076,769,733 188 11,957,476
Cardio 94.3 7.5 94.1 158 10,135,150 115,111 8,076,769,733 167 10,768,023
Organ 15.3 8.8 6.3 3 85,000 112,734 7,951,075,274 20 1,339,899
Neuro 62.9 14.8 81.5 18 1,547,250 112,734 7,951,075,274 29 1,898,886
Accident/Infectious 55.9 28.0 69.8 4 350,000 113,090 7,972,891,103 7 501,726
LOIE 0.0 0.0 0.0 0 0 23,702 1,676,297,082 1 85,653
Non-LT 30.6 35.4 21.8 1 38,250 53,599 690,320,973 2 175,749
Total 78.2 4.3 80.5 324 21,523,304 646,081 42,395,199,172 414 26,727,413

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.6     TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 89.5 6.0 94.6 222 11,322,466 93,043 5,011,772,372 248 11,970,220
Cardio 68.6 11.4 62.8 36 1,521,128 93,043 5,011,772,372 52 2,421,200
Organ 9.9 9.9 9.7 1 50,000 91,236 4,925,075,650 10 515,285
Neuro 28.5 9.0 40.9 10 720,000 91,228 4,924,755,650 35 1,759,800
Accident/Infectious 0.0 0.0 0.0 0 0 91,426 4,936,879,221 4 219,059
LOIE & Non-LT 13.1 23.9 10.1 0 12,000 58,821 1,365,565,772 2 119,400
Total 76.5 4.7 80.1 269 13,625,594 518,799 26,175,821,037 352 17,004,964

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.7     TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 63.6 1.1 68.7 3,152 278,813,906 1,780,706 160,748,475,751 4,957 405,876,361
Cardio 33.5 1.2 31.9 836 71,524,981 1,780,706 160,748,475,751 2,499 224,029,344
Organ 8.6 1.7 7.2 25 1,904,477 1,751,165 158,605,110,009 289 26,357,365
Neuro 27.4 2.0 40.3 188 23,009,382 1,751,028 158,594,794,531 686 57,104,782
Accident/Infectious 46.9 6.8 59.8 47 5,360,000 1,754,725 158,842,496,238 100 8,959,891
LOIE 9.0 6.4 35.5 2 700,000 393,367 34,575,803,532 22 1,969,455
Non-LT 43.2 9.1 49.3 23 2,379,250 977,043 18,073,555,340 52 4,825,050
Total 49.6 0.8 52.6 4,273 383,691,996 10,188,741 850,188,711,152 8,605 729,122,249

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.8     TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 63.2 1.8 68.1 1,296 132,447,105 853,038 87,270,051,972 2,051 194,597,523
Cardio 35.8 1.4 33.8 656 60,003,142 853,038 87,270,051,972 1,831 177,761,758
Organ 11.9 2.6 8.5 21 1,524,477 837,537 86,028,548,896 177 17,849,033
Neuro 28.6 3.2 46.7 82 12,985,549 837,478 86,023,874,878 286 27,817,359
Accident/Infectious 40.1 8.5 57.4 22 3,175,000 839,415 86,159,456,472 55 5,527,460
LOIE 0.0 0.0 0.0 0 0 183,733 19,038,119,750 11 1,161,625
Non-LT 57.6 13.5 64.3 18 2,069,350 473,894 9,812,037,281 32 3,219,629
Total 47.2 1.0 49.6 2,095 212,204,623 4,878,133 461,602,141,221 4,442 427,934,387

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 4.9     TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 63.9 1.5 69.3 1,856 146,366,801 927,668 73,478,423,779 2,906 211,278,838
Cardio 26.9 2.0 24.9 180 11,521,839 927,668 73,478,423,779 668 46,267,586
Organ 3.6 1.8 4.5 4 380,000 913,628 72,576,561,114 113 8,508,332
Neuro 26.5 2.6 34.2 106 10,023,833 913,550 72,570,919,653 399 29,287,423
Accident/Infectious 55.1 11.0 63.7 25 2,185,000 915,310 72,683,039,766 45 3,432,432
LOIE 17.7 12.5 86.7 2 700,000 209,635 15,537,683,782 11 807,831
Non-LT 20.9 10.1 19.3 4 309,900 503,149 8,261,518,059 20 1,605,421
Total 52.3 1.1 56.9 2,177 171,487,373 5,310,608 388,586,569,931 4,163 301,187,863

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.1     HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 37.4 4.7 39.2 64 5,823,500 368,565 31,612,462,367 171 14,841,545
2 31.1 4.2 26.1 55 4,021,250 328,532 28,435,062,572 177 15,427,501
3 39.9 4.7 40.2 72 6,356,302 291,156 25,412,756,541 181 15,828,171
4 44.8 5.0 40.0 79 6,199,303 248,913 21,826,552,438 176 15,497,432
5 41.5 5.0 37.4 70 5,542,247 211,397 18,560,295,611 169 14,833,403
6 50.9 5.7 45.7 79 6,290,771 173,422 15,304,577,068 155 13,766,074
7+ 44.0 3.2 38.5 190 14,987,418 366,874 32,685,311,259 432 38,935,512
Total 41.7 1.7 38.1 609 49,220,791 1,988,861 173,837,017,856 1,461 129,129,638

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.2     MALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 42.9 5.7 42.0 56 5,113,500 177,245 17,166,856,692 131 12,177,909
2 35.6 5.1 29.8 48 3,776,250 158,803 15,498,019,400 135 12,652,493
3 44.4 5.7 44.4 61 5,752,302 141,413 13,909,716,574 137 12,964,727
4 50.7 6.2 44.8 68 5,668,000 121,383 11,971,107,699 134 12,661,879
5 45.4 6.0 39.6 58 4,785,720 103,204 10,175,632,924 128 12,078,210
6 56.4 6.9 48.0 66 5,371,643 84,727 8,419,092,793 117 11,183,393
7+ 49.9 3.9 41.9 162 13,205,652 181,374 18,206,395,623 325 31,482,535
Total 46.9 2.1 41.5 519 43,673,067 968,149 95,346,821,705 1,106 105,201,146

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.3     FEMALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.6 6.9 26.7 8 710,000 191,320 14,445,605,675 41 2,663,635
2 16.6 6.3 8.8 7 245,000 169,729 12,937,043,172 42 2,775,008
3 25.5 7.7 21.1 11 604,000 149,743 11,503,039,966 43 2,863,444
4 26.0 7.8 18.7 11 531,303 127,530 9,855,444,739 42 2,835,552
5 29.3 8.5 27.5 12 756,527 108,193 8,384,662,687 41 2,755,193
6 34.1 9.5 35.6 13 919,128 88,695 6,885,484,275 38 2,582,681
7+ 26.1 4.9 23.9 28 1,781,766 185,500 14,478,915,636 107 7,452,977
Total 25.4 2.7 23.2 90 5,547,724 1,020,712 78,490,196,151 355 23,928,491

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.4     HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 103.5 25.1 112.2 17 1,067,500 43,468 2,715,239,095 16 951,266
2 74.8 21.6 60.2 12 560,000 36,475 2,266,139,179 16 929,607
3 125.8 28.1 117.3 20 1,094,065 31,232 1,944,522,198 16 932,548
4 100.6 26.0 101.5 15 900,000 25,654 1,604,464,168 15 886,825
5 94.2 26.1 81.1 13 670,000 21,025 1,314,074,285 14 826,585
6 137.4 33.3 117.8 17 892,628 16,764 1,057,528,987 12 757,966
7+ 145.3 21.0 145.6 48 3,126,085 33,536 2,186,574,193 33 2,147,656
Total 115.9 9.7 111.8 142 8,310,278 208,154 13,088,542,105 122 7,432,454

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.5     MALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 114.9 29.7 123.2 15 992,500 24,581 1,701,195,234 13 805,667
2 94.2 27.2 71.4 12 560,000 20,390 1,404,014,138 13 784,059
3 158.8 35.5 139.2 20 1,094,065 17,285 1,200,023,933 13 786,028
4 119.0 31.8 118.1 14 880,000 14,096 983,258,421 12 745,358
5 83.3 27.8 65.8 9 455,000 11,430 800,029,061 11 691,148
6 124.2 35.8 100.6 12 638,500 9,098 646,431,491 10 634,448
7+ 162.9 25.1 158.9 42 2,852,085 18,231 1,341,817,454 26 1,794,802
Total 128.6 11.6 119.7 124 7,472,150 115,111 8,076,769,733 96 6,241,509

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.6     FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 59.4 42.0 51.5 2 75,000 18,887 1,014,043,861 3 145,599
2 0.0 0.0 0.0 0 0 16,085 862,125,041 3 145,548
3 0.0 0.0 0.0 0 0 13,947 744,498,264 3 146,520
4 31.8 31.8 14.1 1 20,000 11,558 621,205,747 3 141,467
5 133.5 66.8 158.7 4 215,000 9,595 514,045,225 3 135,437
6 184.7 82.6 205.7 5 254,128 7,666 411,097,495 3 123,518
7+ 82.5 33.7 77.7 6 274,000 15,305 844,756,739 7 352,855
Total 69.0 16.3 70.4 18 838,128 93,043 5,011,772,372 26 1,190,945

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.7     HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.3 4.4 34.2 47 4,756,000 325,098 28,897,223,272 155 13,890,278
2 26.8 4.1 23.9 43 3,461,250 292,057 26,168,923,392 161 14,497,894
3 31.6 4.4 35.3 52 5,262,237 259,924 23,468,234,343 165 14,895,623
4 39.6 5.0 36.3 64 5,299,303 223,259 20,222,088,270 161 14,610,607
5 36.8 4.9 34.8 57 4,872,247 190,372 17,246,221,326 155 14,006,818
6 43.4 5.5 41.5 62 5,398,143 156,658 14,247,048,081 143 13,008,108
7+ 35.6 3.0 32.2 142 11,861,333 333,338 30,498,737,066 399 36,787,856
Total 34.9 1.6 33.6 467 40,910,513 1,780,706 160,748,475,751 1,339 121,697,183

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.8     MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.9 5.5 36.2 41 4,121,000 152,664 15,465,661,458 117 11,372,242
2 29.5 4.9 27.1 36 3,216,250 138,412 14,094,005,262 122 11,868,434
3 32.8 5.1 38.2 41 4,658,237 124,128 12,709,692,641 125 12,178,699
4 44.2 6.0 40.2 54 4,788,000 107,287 10,987,849,277 122 11,916,522
5 41.9 6.0 38.0 49 4,330,720 91,774 9,375,603,864 117 11,387,062
6 50.3 6.8 44.9 54 4,733,143 75,629 7,772,661,301 107 10,548,944
7+ 40.1 3.7 34.9 120 10,353,567 163,143 16,864,578,169 299 29,687,733
Total 39.1 2.0 36.6 395 36,200,917 853,038 87,270,051,972 1,010 98,959,637

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 5.9     FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.0 6.5 25.2 6 635,000 172,433 13,431,561,814 37 2,518,036
2 18.1 6.8 9.3 7 245,000 153,644 12,074,918,131 39 2,629,460
3 27.7 8.3 22.2 11 604,000 135,796 10,758,541,702 40 2,716,923
4 25.5 8.1 19.0 10 511,303 115,973 9,234,238,993 39 2,694,085
5 21.1 7.5 20.7 8 541,527 98,598 7,870,617,462 38 2,619,756
6 22.6 8.0 27.0 8 665,000 81,029 6,474,386,780 35 2,459,163
7+ 22.0 4.7 21.2 22 1,507,766 170,195 13,634,158,897 100 7,100,123
Total 21.9 2.6 20.7 72 4,709,596 927,668 73,478,423,779 329 22,737,546

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.1     LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.6 2.2 35.1 206 17,659,361 368,565 31,612,462,367 651 50,300,249
2 64.9 3.1 71.5 425 36,550,526 328,532 28,435,062,572 655 51,085,673
3 69.7 3.3 74.7 457 38,431,593 291,156 25,412,756,541 655 51,467,855
4 70.0 3.3 74.6 442 37,196,006 248,913 21,826,552,438 631 49,844,986
5 70.5 3.4 76.7 422 36,395,803 211,397 18,560,295,611 599 47,447,923
6 69.4 3.6 73.9 380 32,377,030 173,422 15,304,577,068 548 43,837,022
7+ 72.7 2.2 74.7 1,096 92,628,761 366,874 32,685,311,259 1,508 123,961,794
Total 65.3 1.1 69.7 3,428 291,239,080 1,988,861 173,837,017,856 5,247 417,945,504

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.2     MALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.7 3.4 32.2 67 7,105,000 177,245 17,166,856,692 242 22,076,019
2 68.6 5.2 79.1 172 18,147,059 158,803 15,498,019,400 251 22,943,562
3 66.3 5.1 73.3 171 17,324,140 141,413 13,909,716,574 258 23,633,481
4 68.4 5.2 69.5 175 16,254,492 121,383 11,971,107,699 256 23,383,102
5 71.2 5.4 74.8 177 16,959,597 103,204 10,175,632,924 249 22,670,728
6 59.2 5.0 62.5 138 13,414,485 84,727 8,419,092,793 233 21,451,697
7+ 71.5 3.2 75.3 496 48,905,213 181,374 18,206,395,623 694 64,987,335
Total 64.0 1.7 68.7 1,396 138,109,986 968,149 95,346,821,705 2,182 201,145,925

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.3     FEMALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.0 2.9 37.4 139 10,554,361 191,320 14,445,605,675 409 28,224,230
2 62.6 3.9 65.4 253 18,403,467 169,729 12,937,043,172 404 28,142,111
3 72.0 4.3 75.8 286 21,107,453 149,743 11,503,039,966 397 27,834,374
4 71.1 4.4 79.1 267 20,941,514 127,530 9,855,444,739 375 26,461,884
5 69.9 4.5 78.4 245 19,436,206 108,193 8,384,662,687 350 24,777,195
6 76.9 4.9 84.7 242 18,962,545 88,695 6,885,484,275 315 22,385,325
7+ 73.7 3.0 74.1 600 43,723,548 185,500 14,478,915,636 814 58,974,459
Total 66.3 1.5 70.6 2,032 153,129,094 1,020,712 78,490,196,151 3,065 216,799,578

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.4     LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.2 8.0 48.0 23 1,535,000 43,468 2,715,239,095 60 3,196,773
2 78.7 11.7 84.2 45 2,555,133 36,475 2,266,139,179 57 3,036,079
3 104.8 13.8 129.7 58 3,825,008 31,232 1,944,522,198 55 2,949,617
4 76.3 12.2 63.5 39 1,748,186 25,654 1,604,464,168 51 2,751,948
5 95.6 14.3 130.0 45 3,299,605 21,025 1,314,074,285 47 2,537,600
6 83.9 14.2 73.5 35 1,680,000 16,764 1,057,528,987 42 2,284,444
7+ 96.0 9.4 84.0 105 5,369,318 33,536 2,186,574,193 109 6,390,612
Total 82.9 4.4 86.5 350 20,012,250 208,154 13,088,542,105 422 23,147,073

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.5     MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 40.4 12.8 48.8 10 750,000 24,581 1,701,195,234 25 1,537,760
2 93.3 19.9 106.7 22 1,550,000 20,390 1,404,014,138 24 1,452,546
3 104.1 21.2 95.9 24 1,366,008 17,285 1,200,023,933 23 1,424,202
4 60.5 16.8 58.3 13 780,531 14,096 983,258,421 21 1,339,171
5 85.5 20.7 123.3 17 1,529,600 11,430 800,029,061 20 1,240,279
6 55.6 17.6 46.8 10 535,000 9,098 646,431,491 18 1,144,343
7+ 80.5 12.6 77.0 41 2,631,515 18,231 1,341,817,454 51 3,416,358
Total 75.4 6.4 79.1 137 9,142,654 115,111 8,076,769,733 182 11,554,659

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.6     FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 36.6 10.2 47.3 13 785,000 18,887 1,014,043,861 35 1,659,013
2 68.5 14.3 63.5 23 1,005,133 16,085 862,125,041 34 1,583,532
3 105.3 18.1 161.2 34 2,459,000 13,947 744,498,264 32 1,525,415
4 87.7 17.2 68.5 26 967,655 11,558 621,205,747 30 1,412,777
5 103.0 19.5 136.4 28 1,770,005 9,595 514,045,225 27 1,297,321
6 105.4 21.1 100.4 25 1,145,000 7,666 411,097,495 24 1,140,102
7+ 109.4 13.7 92.1 64 2,737,803 15,305 844,756,739 58 2,974,254
Total 88.6 6.1 93.8 213 10,869,596 93,043 5,011,772,372 240 11,592,414

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.7     LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.0 2.3 34.2 183 16,124,361 325,098 28,897,223,272 591 47,103,476
2 63.6 3.3 70.8 380 33,995,393 292,057 26,168,923,392 598 48,049,595
3 66.5 3.3 71.3 399 34,606,585 259,924 23,468,234,343 600 48,518,238
4 69.5 3.5 75.3 403 35,447,820 223,259 20,222,088,270 580 47,093,038
5 68.3 3.5 73.7 377 33,096,198 190,372 17,246,221,326 552 44,910,322
6 68.2 3.7 73.9 345 30,697,030 156,658 14,247,048,081 506 41,552,578
7+ 70.9 2.3 74.2 991 87,259,443 333,338 30,498,737,066 1,398 117,571,183
Total 63.8 1.1 68.7 3,078 271,226,830 1,780,706 160,748,475,751 4,825 394,798,431

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.8     MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.2 3.5 30.9 57 6,355,000 152,664 15,465,661,458 217 20,538,259
2 66.1 5.4 77.2 150 16,597,059 138,412 14,094,005,262 227 21,491,016
3 62.5 5.2 71.9 147 15,958,132 124,128 12,709,692,641 235 22,209,279
4 69.1 5.4 70.2 162 15,473,961 107,287 10,987,849,277 234 22,043,932
5 69.9 5.5 72.0 160 15,429,997 91,774 9,375,603,864 229 21,430,449
6 59.5 5.3 63.4 128 12,879,485 75,629 7,772,661,301 215 20,307,355
7+ 70.8 3.3 75.2 455 46,273,698 163,143 16,864,578,169 643 61,570,978
Total 62.9 1.8 68.0 1,259 128,967,332 853,038 87,270,051,972 2,000 189,591,267

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 6.9     FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.7 3.0 36.8 126 9,769,361 172,433 13,431,561,814 374 26,565,217
2 62.1 4.1 65.5 230 17,398,334 153,644 12,074,918,131 371 26,558,579
3 69.0 4.3 70.9 252 18,648,453 135,796 10,758,541,702 365 26,308,959
4 69.7 4.5 79.7 241 19,973,859 115,973 9,234,238,993 346 25,049,107
5 67.2 4.6 75.2 217 17,666,201 98,598 7,870,617,462 323 23,479,874
6 74.6 5.1 83.9 217 17,817,545 81,029 6,474,386,780 291 21,245,224
7+ 71.0 3.1 73.2 536 40,985,745 170,195 13,634,158,897 755 56,000,205
Total 64.4 1.5 69.3 1,819 142,259,498 927,668 73,478,423,779 2,824 205,207,164

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.1     STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.7 5.2 16.0 16 1,014,000 368,565 31,612,462,367 77 6,333,736
2 37.0 6.9 29.9 29 1,938,189 328,532 28,435,062,572 78 6,473,870
3 30.3 6.2 38.8 24 2,545,000 291,156 25,412,756,541 79 6,559,109
4 45.6 7.7 50.6 35 3,224,000 248,913 21,826,552,438 77 6,377,812
5 34.1 6.8 30.4 25 1,850,700 211,397 18,560,295,611 73 6,089,178
6 29.6 6.6 28.1 20 1,587,491 173,422 15,304,577,068 68 5,651,389
7+ 40.4 4.6 38.3 77 6,200,813 366,874 32,685,311,259 191 16,204,482
Total 35.1 2.3 34.2 226 18,360,193 1,988,861 173,837,017,856 643 53,689,576

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.2     MALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.8 6.9 15.9 9 640,000 177,245 17,166,856,692 43 4,017,981
2 29.1 8.1 25.5 13 1,060,000 158,803 15,498,019,400 45 4,159,389
3 35.1 8.8 37.6 16 1,600,000 141,413 13,909,716,574 46 4,257,011
4 42.5 9.8 52.3 19 2,179,000 121,383 11,971,107,699 45 4,169,385
5 37.3 9.3 30.0 16 1,200,700 103,204 10,175,632,924 43 3,997,877
6 27.7 8.3 29.1 11 1,085,000 84,727 8,419,092,793 40 3,733,495
7+ 39.4 5.9 40.2 45 4,369,000 181,374 18,206,395,623 114 10,880,945
Total 34.4 3.0 34.5 129 12,133,700 968,149 95,346,821,705 375 35,216,083

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.3     FEMALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.6 7.8 16.2 7 374,000 191,320 14,445,605,675 34 2,315,755
2 47.3 11.8 37.9 16 878,189 169,729 12,937,043,172 34 2,314,481
3 23.8 8.4 41.0 8 945,000 149,743 11,503,039,966 34 2,302,098
4 49.8 12.5 47.3 16 1,045,000 127,530 9,855,444,739 32 2,208,426
5 29.6 9.9 31.1 9 650,000 108,193 8,384,662,687 30 2,091,301
6 32.4 10.8 26.2 9 502,491 88,695 6,885,484,275 28 1,917,894
7+ 42.0 7.4 34.4 32 1,831,813 185,500 14,478,915,636 76 5,323,537
Total 36.2 3.7 33.7 97 6,226,493 1,020,712 78,490,196,151 268 18,473,493

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.4     STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 43,468 2,715,239,095 7 411,934
2 71.2 31.8 66.2 5 260,000 36,475 2,266,139,179 7 392,918
3 58.5 29.3 96.1 4 370,000 31,232 1,944,522,198 7 385,052
4 94.6 38.6 88.4 6 319,000 25,654 1,604,464,168 6 360,799
5 34.2 24.2 45.0 2 150,000 21,025 1,314,074,285 6 333,459
6 76.7 38.3 82.6 4 250,000 16,764 1,057,528,987 5 302,593
7+ 71.7 22.7 112.8 10 964,000 33,536 2,186,574,193 14 854,602
Total 59.0 10.6 76.1 31 2,313,000 208,154 13,088,542,105 53 3,041,357

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.5     MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 24,581 1,701,195,234 4 275,051
2 23.6 23.6 19.0 1 50,000 20,390 1,404,014,138 4 263,088
3 72.1 41.6 132.7 3 345,000 17,285 1,200,023,933 4 260,058
4 103.4 51.7 101.8 4 249,000 14,096 983,258,421 4 244,702
5 28.1 28.1 55.3 1 125,000 11,430 800,029,061 4 226,072
6 62.7 44.4 72.4 2 150,000 9,098 646,431,491 3 207,278
7+ 80.3 30.3 147.2 7 879,000 18,231 1,341,817,454 9 597,100
Total 56.0 13.2 86.7 18 1,798,000 115,111 8,076,769,733 32 2,073,348

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.6     FEMALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 18,887 1,014,043,861 3 136,883
2 143.9 72.0 161.8 4 210,000 16,085 862,125,041 3 129,830
3 37.4 37.4 20.0 1 25,000 13,947 744,498,264 3 124,994
4 81.0 57.2 60.3 2 70,000 11,558 621,205,747 2 116,097
5 43.7 43.7 23.3 1 25,000 9,595 514,045,225 2 107,387
6 98.6 69.8 104.9 2 100,000 7,666 411,097,495 2 95,316
7+ 57.3 33.1 33.0 3 85,000 15,305 844,756,739 5 257,502
Total 63.6 17.7 53.2 13 515,000 93,043 5,011,772,372 20 968,009

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.7     STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.9 5.7 17.1 16 1,014,000 325,098 28,897,223,272 70 5,921,802
2 33.6 6.9 27.6 24 1,678,189 292,057 26,168,923,392 71 6,080,953
3 27.7 6.2 35.2 20 2,175,000 259,924 23,468,234,343 72 6,174,057
4 41.2 7.6 48.3 29 2,905,000 223,259 20,222,088,270 70 6,017,013
5 34.1 7.1 29.5 23 1,700,700 190,372 17,246,221,326 68 5,755,719
6 25.7 6.4 25.0 16 1,337,491 156,658 14,247,048,081 62 5,348,796
7+ 37.9 4.6 34.1 67 5,236,813 333,338 30,498,737,066 177 15,349,880
Total 33.0 2.4 31.7 195 16,047,193 1,780,706 160,748,475,751 591 50,648,219

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.8     MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.1 7.7 17.1 9 640,000 152,664 15,465,661,458 39 3,742,930
2 29.7 8.6 25.9 12 1,010,000 138,412 14,094,005,262 40 3,896,301
3 31.4 8.7 31.4 13 1,255,000 124,128 12,709,692,641 41 3,996,953
4 36.8 9.5 49.2 15 1,930,000 107,287 10,987,849,277 41 3,924,684
5 38.1 9.8 28.5 15 1,075,700 91,774 9,375,603,864 39 3,771,805
6 24.6 8.2 26.5 9 935,000 75,629 7,772,661,301 37 3,526,217
7+ 36.0 5.8 33.9 38 3,490,000 163,143 16,864,578,169 106 10,283,845
Total 32.4 3.1 31.2 111 10,335,700 853,038 87,270,051,972 343 33,142,735

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 7.9     FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.5 8.5 17.2 7 374,000 172,433 13,431,561,814 31 2,178,871
2 38.7 11.2 30.6 12 668,189 153,644 12,074,918,131 31 2,184,652
3 22.7 8.6 42.3 7 920,000 135,796 10,758,541,702 31 2,177,104
4 47.2 12.6 46.6 14 975,000 115,973 9,234,238,993 30 2,092,329
5 28.4 10.1 31.5 8 625,000 98,598 7,870,617,462 28 1,983,914
6 27.2 10.3 22.1 7 402,491 81,029 6,474,386,780 26 1,822,579
7+ 40.8 7.6 34.5 29 1,746,813 170,195 13,634,158,897 71 5,066,035
Total 33.9 3.7 32.6 84 5,711,493 927,668 73,478,423,779 248 17,505,484

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.1     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.3 3.6 26.2 58 5,313,600 79,436 7,583,265,112 213 20,266,500
2 43.5 4.7 53.5 86 10,162,000 64,625 6,278,791,962 198 18,983,022
3 52.1 5.1 44.2 105 8,736,700 56,386 5,680,340,445 201 19,773,568
4 47.9 4.6 47.8 107 10,579,490 52,799 5,393,947,561 224 22,126,101
5 53.4 4.7 52.7 131 12,608,700 49,599 5,032,479,565 246 23,907,765
6 58.4 4.9 58.2 142 13,410,000 42,970 4,292,906,465 243 23,054,656
7+ 53.7 3.3 51.2 265 21,852,719 72,841 6,737,506,139 494 42,670,249
Total 49.2 1.6 48.4 895 82,663,209 418,657 40,999,237,249 1,820 170,781,862
By Issue Age
20-24 51.8 15.6 56.2 11 1,085,000 27,001 2,464,769,000 21 1,930,031
25-29 51.3 8.6 64.9 36 4,230,000 60,804 5,670,591,207 70 6,521,308
30-34 53.2 6.2 46.7 73 6,487,700 77,816 7,930,709,371 138 13,889,664
35-39 52.3 4.7 51.2 122 12,515,000 82,311 8,733,871,453 234 24,456,549
40-44 52.3 3.8 49.6 188 18,062,719 76,213 7,814,082,608 360 36,402,656
45-49 48.7 3.4 45.7 211 18,479,090 55,924 5,207,120,857 434 40,396,030
50-54 45.8 3.7 47.3 155 13,841,100 27,414 2,330,930,877 339 29,245,862
55-59 46.6 5.2 47.4 80 6,617,600 9,223 712,570,201 173 13,972,031
60+ 34.4 8.1 33.9 18 1,345,000 1,950 134,591,675 52 3,967,732
Total 49.2 1.6 48.4 895 82,663,209 418,657 40,999,237,249 1,820 170,781,862
By Attained Age
20-24 34.1 19.7 32.1 3 250,000 13,195 1,174,965,421 9 778,956
25-29 55.8 11.6 47.7 23 1,775,000 44,117 4,025,295,993 41 3,720,744
30-34 47.5 7.2 60.1 44 5,365,000 66,756 6,508,080,584 93 8,929,976
35-39 47.3 5.5 44.0 75 7,202,700 75,783 7,939,861,433 159 16,384,832
40-44 51.6 4.5 44.8 130 11,952,500 75,635 8,088,864,029 253 26,681,980
45-49 52.8 3.8 55.6 196 20,586,319 67,655 6,760,188,796 371 36,997,322
50-54 48.4 3.5 39.5 194 14,629,590 45,160 4,122,458,335 400 37,076,136
55-59 43.8 3.8 53.3 129 13,287,000 21,276 1,728,860,098 296 24,943,103
60-64 53.8 6.0 55.4 80 6,345,100 7,333 530,670,782 149 11,459,780
65+ 41.8 9.1 33.3 21 1,270,000 1,747 119,991,779 50 3,809,032
Total 49.2 1.6 48.4 895 82,663,209 418,657 40,999,237,249 1,820 170,781,862

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.2     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.0 8.1 37.8 6 980,000 12,475 1,102,541,874 30 2,595,598
2 46.3 10.9 46.2 18 1,550,000 13,692 1,240,368,699 39 3,356,851
3 40.5 9.3 44.2 19 1,795,000 14,294 1,310,854,773 47 4,059,097
4 43.3 8.5 33.1 26 1,745,000 16,047 1,497,755,098 60 5,267,518
5 57.7 8.7 58.2 44 4,145,000 17,484 1,701,303,874 76 7,116,331
6 52.0 7.5 46.0 48 4,170,750 18,194 1,837,204,719 92 9,059,175
7+ 63.7 4.7 59.2 187 18,874,500 45,351 4,906,845,711 294 31,880,358
Total 54.5 2.9 52.5 348 33,260,250 137,538 13,596,874,747 639 63,334,928
By Issue Age
20-24 57.4 28.7 57.6 4 350,000 8,413 735,858,112 7 608,061
25-29 55.9 14.9 74.7 14 1,736,500 20,390 1,881,669,765 25 2,325,670
30-34 74.3 12.0 70.9 38 3,805,000 26,546 2,760,168,995 51 5,363,765
35-39 61.1 8.3 60.3 54 5,670,000 28,338 3,007,839,327 88 9,397,907
40-44 63.9 6.9 62.8 85 8,868,750 25,154 2,617,378,036 133 14,129,779
45-49 50.4 5.9 43.4 73 5,980,000 16,739 1,529,201,433 145 13,770,442
50-54 47.8 6.3 36.7 57 4,280,000 8,708 793,623,696 119 11,648,216
55+ 33.0 6.9 42.2 23 2,570,000 3,251 271,135,382 70 6,091,086
Total 54.5 2.9 52.5 348 33,260,250 137,538 13,596,874,747 639 63,334,928
By Attained Age
20-24 0.0 0.0 0.0 0 0 2,952 254,268,302 2 166,648
25-29 36.2 18.1 47.3 4 455,000 12,009 1,048,397,955 11 961,612
30-34 72.8 16.3 93.6 20 2,396,500 20,301 1,902,811,262 28 2,560,387
35-39 61.0 11.0 54.5 31 2,820,000 24,948 2,578,253,326 51 5,177,864
40-44 60.8 8.5 53.4 51 4,675,000 25,894 2,745,188,421 84 8,750,932
45-49 55.5 6.7 53.5 69 6,825,750 23,200 2,397,192,450 124 12,759,649
50-54 61.2 6.6 63.9 86 8,588,000 16,164 1,525,188,407 141 13,447,849
55-59 44.3 6.1 32.1 52 3,730,000 8,438 800,517,734 117 11,614,351
60-64 40.2 7.9 44.8 26 2,895,000 3,118 300,699,752 65 6,455,777
65+ 54.7 18.2 60.8 9 875,000 515 44,357,137 16 1,439,860
Total 54.5 2.9 52.5 348 33,260,250 137,538 13,596,874,747 639 63,334,928

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.3     TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.3 2.5 27.3 108 8,458,861 108,631 9,244,129,706 412 30,961,274
2 52.3 3.5 52.8 230 17,589,340 103,481 8,891,276,949 439 33,324,510
3 56.2 3.5 58.4 266 21,188,603 99,596 8,686,522,374 472 36,256,558
4 54.2 3.3 57.3 262 21,463,496 91,593 8,006,089,469 484 37,425,753
5 57.5 3.5 62.0 277 23,209,895 82,675 7,255,140,201 482 37,454,231
6 55.0 3.5 61.8 251 22,322,465 71,596 6,342,067,683 457 36,093,653
7+ 56.3 1.9 58.7 852 73,398,098 186,478 16,816,153,464 1,514 125,064,205
Total 52.7 1.1 55.7 2,247 187,630,758 744,050 65,241,379,846 4,260 336,580,184
By Issue Age
20-34 59.3 4.2 67.0 203 22,282,020 229,873 22,151,761,184 342 33,277,092
35-39 53.4 3.6 55.6 224 22,355,294 141,719 13,636,497,798 420 40,181,107
40-44 59.1 2.9 59.6 406 36,995,336 139,937 12,557,134,828 688 62,039,484
45-49 52.2 2.4 49.8 472 36,323,870 112,722 8,921,960,952 904 72,965,563
50-54 50.1 2.3 54.9 464 36,835,269 73,399 5,151,246,763 928 67,127,267
55-59 53.6 2.9 60.2 336 24,959,659 33,542 2,146,675,126 626 41,446,084
60+ 40.1 3.4 40.3 141 7,879,310 12,857 676,103,195 352 19,543,588
Total 52.7 1.1 55.7 2,247 187,630,758 744,050 65,241,379,846 4,260 336,580,184
By Attained Age
20-44 54.5 2.5 58.5 469 47,639,781 408,015 38,882,697,737 861 81,408,566
45-49 55.7 2.8 55.8 387 33,383,570 129,661 11,217,030,232 694 59,796,138
50-54 51.5 2.4 52.7 451 36,553,183 100,841 7,915,423,112 877 69,370,439
55-59 52.3 2.4 55.9 464 36,510,928 64,330 4,632,836,642 886 65,297,452
60-64 55.7 3.0 62.4 335 25,317,530 29,721 1,940,356,936 602 40,571,566
65+ 41.3 3.5 40.9 140 8,225,766 11,482 653,035,187 340 20,136,023
Total 52.7 1.1 55.7 2,247 187,630,758 744,050 65,241,379,846 4,260 336,580,184

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.4     TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 3.4 29.1 66 5,247,500 81,292 6,170,946,886 242 18,007,061
2 50.9 4.9 47.0 110 7,448,867 67,567 5,066,786,409 215 15,835,146
3 48.9 5.1 64.9 93 8,811,995 55,421 4,054,100,150 190 13,573,838
4 69.0 6.5 63.6 113 7,032,650 44,497 3,110,469,051 164 11,060,229
5 54.3 6.1 50.4 78 4,566,000 36,684 2,412,213,874 144 9,052,303
6 54.9 6.8 62.3 66 4,425,167 28,898 1,780,836,742 120 7,101,547
7+ 63.7 4.7 68.4 181 12,181,228 53,748 3,358,087,311 284 17,815,789
Total 52.0 2.0 53.8 707 49,713,407 368,107 25,953,440,422 1,360 92,445,913
By Issue Age
20-44 58.0 3.0 60.9 362 27,953,495 297,466 21,330,849,747 624 45,881,380
45-49 48.5 4.3 48.7 128 8,909,467 36,902 2,597,253,342 265 18,296,346
50-54 50.2 4.6 47.1 119 7,184,178 21,065 1,342,806,216 238 15,264,277
55-59 43.0 5.0 46.2 74 4,432,367 10,111 548,838,866 173 9,600,565
60-64 37.7 8.4 37.9 20 1,113,900 2,318 118,789,319 53 2,937,768
65+ 43.1 24.9 25.8 3 120,000 245 14,902,933 7 465,576
Total 52.0 2.0 53.8 707 49,713,407 368,107 25,953,440,422 1,360 92,445,913
By Attained Age
20-44 56.1 3.4 59.6 267 21,005,995 270,399 19,386,166,146 476 35,230,644
45-49 50.9 4.6 53.3 121 9,313,500 44,401 3,269,978,641 238 17,472,272
50-54 52.7 4.5 49.4 136 8,552,667 29,574 1,959,635,536 257 17,321,509
55-59 49.9 4.8 46.4 108 6,060,678 15,630 920,237,457 216 13,048,201
60-64 42.4 5.7 49.9 56 3,486,667 6,598 334,644,865 132 6,992,801
65+ 49.1 11.0 54.4 20 1,293,900 1,505 82,777,775 41 2,380,486
Total 52.0 2.0 53.8 707 49,713,407 368,107 25,953,440,422 1,360 92,445,913

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.5     MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.6 5.4 28.1 28 3,147,500 37,257 4,160,666,969 98 11,208,891
2 40.5 6.6 51.9 38 5,559,000 30,763 3,462,691,176 94 10,700,694
3 45.8 6.8 39.5 46 4,503,100 27,364 3,166,347,224 99 11,401,244
4 44.7 6.3 44.2 50 5,725,000 25,625 2,996,481,496 113 12,965,147
5 48.8 6.2 51.3 61 7,232,500 23,833 2,770,689,339 125 14,099,617
6 43.6 5.9 38.2 54 5,198,000 20,322 2,338,486,763 124 13,605,399
7+ 45.5 4.3 47.6 112 11,693,719 33,022 3,527,055,115 247 24,566,254
Total 43.3 2.2 43.7 389 43,058,819 198,185 22,422,418,083 900 98,547,247
By Issue Age
20-24 76.4 28.9 82.5 7 735,000 12,929 1,255,583,490 9 891,448
25-29 58.1 14.5 44.4 16 1,265,000 27,644 2,829,696,166 28 2,846,659
30-34 43.1 8.8 44.6 24 2,932,500 36,703 4,282,298,652 56 6,575,346
35-39 44.2 6.7 48.3 44 5,900,000 39,138 4,801,816,766 100 12,222,497
40-44 44.2 5.1 38.6 75 7,777,719 36,856 4,427,399,408 170 20,155,146
45-49 40.6 4.3 42.9 91 10,508,500 26,811 2,996,037,698 223 24,490,861
50-54 44.3 4.8 43.4 84 8,240,100 13,163 1,336,246,582 190 18,976,038
55-59 41.3 6.5 49.6 40 4,725,000 4,157 411,722,625 97 9,519,377
60-64 32.4 11.4 36.1 8 975,000 724 77,706,696 25 2,699,106
65+ 0.0 0.0 0.0 0 0 60 3,910,000 3 170,769
Total 43.3 2.2 43.7 389 43,058,819 198,185 22,422,418,083 900 98,547,247
By Attained Age
20-24 24.8 24.8 26.4 1 100,000 6,450 607,311,792 4 378,880
25-29 84.2 22.5 66.7 14 1,100,000 20,302 2,013,354,344 17 1,649,171
30-34 48.5 11.4 46.7 18 1,925,000 30,987 3,417,953,174 37 4,121,753
35-39 34.1 7.3 38.6 22 3,022,500 35,839 4,319,150,734 65 7,828,405
40-44 41.2 6.1 34.7 46 4,817,500 36,517 4,523,799,672 112 13,874,421
45-49 46.9 5.1 51.7 84 10,973,219 32,734 3,870,550,059 180 21,237,065
50-54 41.2 4.4 35.5 86 8,042,100 21,506 2,324,832,202 210 22,659,971
55-59 41.4 5.0 48.2 68 7,836,000 9,865 972,536,467 165 16,263,750
60-64 46.5 7.4 61.1 39 4,712,500 3,260 297,322,203 84 7,717,842
65+ 37.1 11.7 18.8 10 530,000 726 75,607,435 27 2,815,990
Total 43.3 2.2 43.7 389 43,058,819 198,185 22,422,418,083 900 98,547,247

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.6     MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 14.8 10.5 54.8 2 700,000 5,808 551,113,090 14 1,277,951
2 39.0 14.8 39.9 7 685,000 6,513 641,940,973 18 1,718,113
3 22.4 10.0 17.5 5 375,000 6,882 689,513,167 22 2,142,934
4 30.4 10.1 23.4 9 675,000 7,859 801,166,337 30 2,884,357
5 45.4 10.7 46.2 18 1,935,000 8,827 954,717,235 40 4,191,920
6 38.8 8.7 28.1 20 1,605,000 9,478 1,073,935,748 52 5,720,672
7+ 57.0 5.7 52.9 100 11,414,500 24,277 2,985,314,906 176 21,593,742
Total 46.0 3.6 44.0 161 17,389,500 69,644 7,697,701,456 350 39,529,689
By Issue Age
20-24 32.6 32.6 35.5 1 100,000 4,133 378,320,795 3 281,514
25-29 47.3 21.2 71.2 5 726,500 9,865 940,865,403 11 1,020,204
30-34 76.7 18.6 81.8 17 2,060,000 13,283 1,480,486,416 22 2,518,993
35-39 47.1 10.5 48.8 20 2,525,000 14,732 1,762,307,767 43 5,174,616
40-44 48.9 8.4 49.5 34 4,323,000 12,985 1,585,646,370 70 8,725,380
45-49 46.1 7.6 36.7 37 3,230,000 8,300 879,936,131 80 8,807,130
50-54 44.6 7.8 30.7 33 2,550,000 4,518 488,535,734 74 8,308,567
55+ 29.3 7.8 40.0 14 1,875,000 1,828 181,602,838 48 4,693,285
Total 46.0 3.6 44.0 161 17,389,500 69,644 7,697,701,456 350 39,529,689
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,412 127,652,419 1 78,659
25-29 43.6 30.8 68.2 2 280,000 5,696 510,307,383 5 410,592
30-34 86.3 27.3 129.4 10 1,471,500 9,945 975,569,189 12 1,137,159
35-39 31.7 12.0 23.4 7 580,000 12,626 1,418,197,963 22 2,478,864
40-44 50.8 11.4 41.7 20 1,945,000 13,312 1,584,151,013 39 4,669,274
45-49 34.9 7.4 34.0 22 2,580,000 11,810 1,429,616,315 63 7,589,464
50-54 62.4 8.9 67.5 49 5,798,000 8,269 904,643,416 79 8,592,745
55-59 39.9 7.4 25.9 29 2,185,000 4,436 513,267,979 73 8,422,684
60-64 36.0 9.0 36.9 16 1,825,000 1,794 201,340,679 44 4,947,175
65+ 46.7 19.1 60.3 6 725,000 345 32,955,098 13 1,203,072
Total 46.0 3.6 44.0 161 17,389,500 69,644 7,697,701,456 350 39,529,689

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.7     MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.2 3.5 24.0 51 4,035,500 52,258 4,876,822,060 203 16,829,821
2 51.3 4.8 53.2 113 9,807,942 49,973 4,711,764,336 221 18,442,010
3 54.2 4.7 53.1 131 10,861,240 48,430 4,653,655,920 242 20,469,699
4 56.3 4.7 59.6 142 12,845,985 44,825 4,324,958,399 253 21,564,935
5 56.0 4.7 54.9 143 12,025,071 40,655 3,942,437,263 256 21,905,518
6 55.9 4.8 58.3 137 12,502,301 35,334 3,473,571,696 245 21,438,280
7+ 56.9 2.6 59.2 484 46,096,168 93,582 9,406,064,343 850 77,872,192
Total 53.0 1.5 54.5 1,202 108,174,207 365,058 35,389,274,016 2,270 198,522,454
By Issue Age
20-39 49.8 3.8 52.8 169 18,966,936 183,536 19,043,382,268 340 35,891,938
40-44 55.1 4.0 57.1 189 19,907,100 69,808 7,035,913,051 343 34,885,471
45-49 53.4 3.3 47.7 255 20,747,118 54,469 4,893,252,299 478 43,495,139
50-54 54.8 3.2 61.5 288 26,276,944 35,017 2,818,099,372 526 42,720,299
55-59 57.0 3.9 59.8 214 16,585,393 16,307 1,200,313,719 376 27,734,178
60+ 41.8 4.5 41.3 86 5,690,716 5,920 398,313,307 206 13,795,429
Total 53.0 1.5 54.5 1,202 108,174,207 365,058 35,389,274,016 2,270 198,522,454
By Attained Age
20-44 51.3 3.7 54.9 195 21,766,848 201,313 20,746,178,774 381 39,683,558
45-49 47.5 3.7 46.4 162 15,357,728 64,052 6,218,876,614 342 33,096,860
50-54 52.8 3.4 52.7 246 21,839,336 48,760 4,352,201,104 466 41,411,695
55-59 56.5 3.3 57.5 289 24,358,579 31,040 2,582,066,828 512 42,377,254
60-64 61.1 4.1 68.2 223 18,879,658 14,476 1,105,671,363 365 27,698,917
65+ 42.4 4.6 41.9 86 5,972,058 5,417 384,279,333 203 14,254,170
Total 53.0 1.5 54.5 1,202 108,174,207 365,058 35,389,274,016 2,270 198,522,454

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.8     MALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.5 5.0 29.9 35 3,085,000 39,944 3,406,458,589 119 10,333,137
2 45.3 6.5 43.2 48 3,963,867 33,102 2,794,932,587 107 9,169,083
3 51.2 7.3 70.5 49 5,586,995 27,170 2,232,269,044 96 7,924,451
4 52.0 7.9 46.0 43 2,955,000 21,781 1,703,876,448 83 6,430,560
5 49.7 8.3 41.4 36 2,160,000 17,808 1,303,715,227 73 5,214,097
6 41.2 8.2 59.1 25 2,405,167 13,951 954,563,710 61 4,068,688
7+ 63.4 6.5 73.2 96 7,718,728 26,247 1,805,774,383 152 10,541,599
Total 48.3 2.6 51.9 333 27,874,757 180,003 14,201,589,989 690 53,681,616
By Issue Age
20-39 54.9 5.7 72.9 94 10,031,250 119,006 9,108,145,380 171 13,759,882
40-44 49.5 6.7 45.5 55 4,465,995 26,141 2,364,080,831 111 9,808,218
45-49 41.3 5.4 44.7 59 5,076,967 18,932 1,552,500,909 143 11,359,503
50-54 54.5 6.4 48.4 72 4,804,178 10,144 782,962,990 133 9,935,908
55-59 43.1 6.6 42.1 42 2,716,367 4,698 316,368,212 99 6,454,987
60-64 34.4 10.9 38.2 10 780,000 983 69,029,526 29 2,042,991
65+ 0.0 0.0 0.0 0 0 100 8,502,141 4 320,126
Total 48.3 2.6 51.9 333 27,874,757 180,003 14,201,589,989 690 53,681,616
By Attained Age
20-44 52.0 5.0 63.1 108 10,979,745 131,634 10,353,634,170 208 17,402,581
45-49 44.8 6.1 47.1 54 4,873,500 22,555 1,937,072,484 121 10,340,760
50-54 46.2 5.8 44.4 64 4,842,667 14,629 1,143,820,821 139 10,910,801
55-59 49.1 6.3 47.2 61 4,112,178 7,516 534,587,869 123 8,719,495
60-64 47.7 8.0 48.2 36 2,266,667 3,009 186,845,030 75 4,700,414
65+ 43.5 13.7 49.8 10 800,000 659 45,629,614 23 1,607,564
Total 48.3 2.6 51.9 333 27,874,757 180,003 14,201,589,989 690 53,681,616

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.9     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.2 4.8 23.9 30 2,166,100 42,179 3,422,598,143 115 9,057,609
2 46.2 6.7 55.6 48 4,603,000 33,862 2,816,100,786 104 8,282,328
3 58.3 7.6 50.6 59 4,233,600 29,022 2,513,993,221 102 8,372,323
4 51.1 6.8 53.0 57 4,854,490 27,174 2,397,466,065 111 9,160,955
5 58.1 6.9 54.8 70 5,376,200 25,766 2,261,790,225 121 9,808,148
6 73.8 7.9 86.9 88 8,212,000 22,649 1,954,419,703 119 9,449,257
7+ 61.9 5.0 56.1 153 10,159,000 39,819 3,210,451,024 248 18,103,995
Total 55.0 2.4 54.8 506 39,604,390 220,471 18,576,819,167 920 72,234,615
By Issue Age
20-24 33.1 16.6 33.7 4 350,000 14,072 1,209,185,510 12 1,038,583
25-29 46.9 10.5 80.7 20 2,965,000 33,160 2,840,895,041 43 3,674,649
30-34 60.1 8.6 48.6 49 3,555,200 41,113 3,648,410,719 82 7,314,318
35-39 58.3 6.6 54.1 78 6,615,000 43,173 3,932,054,687 134 12,234,052
40-44 59.6 5.6 63.3 113 10,285,000 39,358 3,386,683,200 190 16,247,510
45-49 57.2 5.2 50.1 120 7,970,590 29,113 2,211,083,159 211 15,905,170
50-54 47.7 5.7 54.5 71 5,601,000 14,251 994,684,294 149 10,269,825
55-59 53.4 8.4 42.5 40 1,892,600 5,067 300,847,576 75 4,452,653
60+ 40.1 12.7 33.7 10 370,000 1,166 52,974,979 25 1,097,857
Total 55.0 2.4 54.8 506 39,604,390 220,471 18,576,819,167 920 72,234,615
By Attained Age
20-24 42.1 29.7 37.5 2 150,000 6,745 567,653,629 5 400,076
25-29 36.6 12.2 32.6 9 675,000 23,815 2,011,941,649 25 2,071,574
30-34 46.7 9.2 71.5 26 3,440,000 35,770 3,090,127,410 56 4,808,222
35-39 56.4 7.7 48.9 53 4,180,200 39,945 3,620,710,699 94 8,556,427
40-44 59.8 6.5 55.7 84 7,135,000 39,118 3,565,064,357 141 12,807,558
45-49 58.3 5.5 61.0 111 9,613,100 34,921 2,889,638,736 191 15,760,258
50-54 56.4 5.5 45.7 107 6,587,490 23,653 1,797,626,133 190 14,416,166
55-59 46.7 6.0 62.8 61 5,451,000 11,411 756,323,631 131 8,679,353
60-64 63.1 9.8 43.6 41 1,632,600 4,073 233,348,579 65 3,741,939
65+ 47.3 14.3 74.5 11 740,000 1,021 44,384,344 23 993,042
Total 55.0 2.4 54.8 506 39,604,390 220,471 18,576,819,167 920 72,234,615

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.10     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.2 12.0 21.2 4 280,000 6,667 551,428,783 17 1,317,647
2 52.6 15.8 52.8 11 865,000 7,179 598,427,725 21 1,638,738
3 56.9 15.2 74.1 14 1,420,000 7,412 621,341,606 25 1,916,163
4 55.7 13.5 44.9 17 1,070,000 8,188 696,588,762 31 2,383,161
5 71.1 13.9 75.6 26 2,210,000 8,658 746,586,640 37 2,924,412
6 68.6 13.0 76.9 28 2,565,750 8,716 763,268,971 41 3,338,503
7+ 73.6 7.9 72.5 87 7,460,000 21,074 1,921,530,804 118 10,286,616
Total 64.8 4.7 66.7 187 15,870,750 67,894 5,899,173,291 289 23,805,239
By Issue Age
20-24 76.9 44.4 76.6 3 250,000 4,280 357,537,316 4 326,547
25-29 62.2 20.7 77.4 9 1,010,000 10,526 940,804,362 15 1,305,466
30-34 72.4 15.8 61.3 21 1,745,000 13,262 1,279,682,578 29 2,844,772
35-39 74.0 12.7 74.5 34 3,145,000 13,606 1,245,531,560 46 4,223,291
40-44 80.5 11.3 84.1 51 4,545,750 12,169 1,031,731,666 63 5,404,400
45-49 55.7 9.3 55.4 36 2,750,000 8,439 649,265,303 65 4,963,312
50-54 53.1 10.8 51.8 24 1,730,000 4,190 305,087,962 45 3,339,650
55-59 37.9 14.3 50.5 7 620,000 1,249 81,015,929 18 1,227,215
60+ 57.9 41.0 44.0 2 75,000 174 8,516,615 3 170,586
Total 64.8 4.7 66.7 187 15,870,750 67,894 5,899,173,291 289 23,805,239
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,540 126,615,883 1 87,989
25-29 30.9 21.8 31.8 2 175,000 6,313 538,090,572 6 551,020
30-34 63.0 19.9 65.0 10 925,000 10,356 927,242,073 16 1,423,228
35-39 83.6 17.1 83.0 24 2,240,000 12,322 1,160,055,363 29 2,699,000
40-44 69.6 12.5 66.9 31 2,730,000 12,582 1,161,037,408 45 4,081,657
45-49 76.8 11.2 82.1 47 4,245,750 11,390 967,576,135 61 5,170,185
50-54 59.7 9.8 57.5 37 2,790,000 7,895 620,544,990 62 4,855,104
55-59 51.5 10.7 48.4 23 1,545,000 4,002 287,249,755 45 3,191,667
60+ 54.6 15.1 69.9 13 1,220,000 1,494 110,761,111 24 1,745,389
Total 64.8 4.7 66.7 187 15,870,750 67,894 5,899,173,291 289 23,805,239

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.11     FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 52.5 1.6 57.6 1,044 79,456,551 378,992 29,852,105,830 1,990 138,057,730
Total 52.5 1.6 57.6 1,044 79,456,551 378,992 29,852,105,830 1,990 138,057,730
By Issue Age
20-34 56.9 5.4 62.4 111 11,131,353 117,598 10,646,336,196 195 17,842,018
35-39 64.6 5.3 73.7 147 14,539,025 70,458 6,098,540,517 228 19,724,242
40-44 63.1 4.3 62.9 217 17,088,236 70,129 5,521,221,777 344 27,154,013
45-49 50.8 3.5 52.9 216 15,576,752 58,253 4,028,708,653 426 29,470,424
50-54 43.9 3.3 43.3 176 10,558,325 38,382 2,333,147,391 401 24,406,968
55-59 48.5 4.4 61.1 121 8,374,266 17,235 946,361,407 250 13,711,906
60+ 37.7 5.1 38.1 55 2,188,594 6,938 277,789,888 146 5,748,159
Total 52.5 1.6 57.6 1,044 79,456,551 378,992 29,852,105,830 1,990 138,057,730
By Attained Age
20-44 57.1 3.4 62.0 274 25,872,933 206,702 18,136,518,963 481 41,725,008
45-49 63.8 4.3 67.5 224 18,025,842 65,610 4,998,153,618 352 26,699,278
50-54 50.0 3.5 52.6 205 14,713,847 52,081 3,563,222,008 411 27,958,745
55-59 46.6 3.5 53.0 174 12,152,349 33,290 2,050,769,814 374 22,920,197
60-64 47.3 4.5 50.0 112 6,437,872 15,246 834,685,573 237 12,872,649
65+ 39.6 5.4 38.3 54 2,253,708 6,064 268,755,854 136 5,881,853
Total 52.5 1.6 57.6 1,044 79,456,551 378,992 29,852,105,830 1,990 138,057,730

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 8.12     FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.3 4.5 28.2 31 2,162,500 41,347 2,764,488,297 123 7,673,924
2 56.5 7.2 52.3 61 3,485,000 34,465 2,271,853,822 108 6,666,063
3 46.6 7.0 57.1 44 3,225,000 28,252 1,821,831,106 94 5,649,387
4 86.4 10.3 88.1 70 4,077,650 22,717 1,406,592,602 81 4,629,669
5 59.0 9.1 62.7 42 2,406,000 18,875 1,108,498,647 71 3,838,206
6 68.8 10.7 66.6 41 2,020,000 14,947 826,273,032 60 3,032,859
7+ 64.0 6.9 61.3 85 4,462,500 27,500 1,552,312,927 133 7,274,190
Total 55.8 2.9 56.3 374 21,838,650 188,104 11,751,850,434 670 38,764,298
By Issue Age
20-44 62.3 4.3 60.3 213 13,456,250 152,319 9,858,623,535 342 22,313,280
45-49 57.0 6.9 55.2 69 3,832,500 17,971 1,044,752,433 121 6,936,843
50-54 44.7 6.5 44.7 47 2,380,000 10,921 559,843,226 105 5,328,369
55-59 43.0 7.6 54.6 32 1,716,000 5,413 232,470,654 75 3,145,578
60-64 41.7 13.2 37.3 10 333,900 1,335 49,759,793 24 894,777
65+ 91.7 52.9 82.5 3 120,000 145 6,400,792 3 145,450
Total 55.8 2.9 56.3 374 21,838,650 188,104 11,751,850,434 670 38,764,298
By Attained Age
20-44 59.2 4.7 56.2 159 10,026,250 138,765 9,032,531,976 268 17,828,063
45-49 57.1 7.0 62.3 67 4,440,000 21,846 1,332,906,158 118 7,131,512
50-54 60.3 7.1 57.9 71 3,710,000 14,945 815,814,716 118 6,410,708
55-59 51.1 7.4 45.0 47 1,948,500 8,114 385,649,588 92 4,328,707
60-64 35.4 7.9 53.2 20 1,220,000 3,589 147,799,835 56 2,292,386
65+ 56.5 17.9 63.9 10 493,900 845 37,148,161 18 772,921
Total 55.8 2.9 56.3 374 21,838,650 188,104 11,751,850,434 670 38,764,298

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 9.1     TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 49.2 3.0 55.3 272 24,392,547 135,726 11,472,537,059 553 44,105,802
2005 51.7 2.7 56.8 379 33,409,514 175,632 14,942,007,240 733 58,867,640
2006 50.1 2.4 53.6 454 39,379,868 208,950 17,992,119,002 905 73,408,982
2007 56.4 2.3 62.7 607 55,079,901 239,005 20,719,905,965 1,076 87,864,512
2008 53.7 2.1 55.7 670 57,221,885 265,397 23,341,820,552 1,249 102,741,937
2009 55.1 2.0 55.2 788 65,417,457 293,975 25,956,982,231 1,429 118,506,096
2010 51.6 1.8 51.0 832 68,799,054 321,471 28,433,495,842 1,614 134,850,224
2011 47.7 1.6 49.2 864 75,083,168 349,751 30,988,803,816 1,812 152,509,433
Total 51.9 0.7 54.2 4,866 418,783,394 1,989,909 173,847,671,706 9,372 772,854,626

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 9.2     MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 49.7 4.2 55.8 142 14,366,902 66,988 6,351,907,146 286 25,764,830
2005 50.6 3.7 54.1 191 18,577,893 86,190 8,219,583,650 378 34,353,004
2006 48.8 3.2 53.5 228 22,996,510 102,559 9,902,203,705 468 43,019,395
2007 55.4 3.2 60.6 309 31,245,783 117,144 11,380,118,562 557 51,554,761
2008 50.3 2.8 49.4 326 29,824,928 129,707 12,827,449,228 647 60,315,802
2009 52.8 2.7 51.9 391 36,253,193 142,884 14,237,195,708 741 69,802,421
2010 47.5 2.4 48.5 398 38,603,287 155,248 15,534,097,988 838 79,612,460
2011 46.0 2.2 46.3 433 41,811,931 168,014 16,900,858,018 941 90,239,127
Total 49.8 1.0 51.4 2,419 233,680,427 968,734 95,353,414,005 4,856 454,661,799

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 9.3     FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 48.6 4.3 54.7 130 10,025,645 68,739 5,120,629,913 268 18,340,973
2005 52.9 3.9 60.5 188 14,831,621 89,442 6,722,423,590 355 24,514,636
2006 51.5 3.4 53.9 225 16,383,358 106,391 8,089,915,297 437 30,389,587
2007 57.3 3.3 65.6 298 23,834,118 121,861 9,339,787,403 519 36,309,751
2008 57.3 3.1 64.6 344 27,396,957 135,690 10,514,371,324 601 42,426,135
2009 57.7 2.9 59.9 397 29,164,264 151,091 11,719,786,523 688 48,703,675
2010 55.9 2.7 54.7 434 30,195,767 166,224 12,899,397,853 776 55,237,765
2011 49.4 2.4 53.4 431 33,271,237 181,738 14,087,945,798 871 62,270,307
Total 54.2 1.1 58.2 2,447 185,102,967 1,021,175 78,494,257,701 4,515 318,192,827

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.1     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.9 3.2 24.0 55 5,373,100 49,416 5,548,032,119 232 22,374,887
2 41.9 4.5 40.4 88 8,374,133 39,693 4,604,827,635 211 20,732,709
3 44.4 4.9 65.6 82 11,797,344 30,471 3,599,337,336 184 17,975,974
4 55.0 5.9 65.3 88 9,560,000 24,092 2,748,288,250 160 14,644,719
5 52.8 5.9 55.0 81 7,187,500 20,900 2,263,903,197 154 13,063,475
6 41.1 5.3 41.0 60 4,845,106 18,002 1,872,714,005 146 11,826,418
7+ 54.6 3.6 62.1 225 19,717,390 40,682 3,960,019,101 412 31,748,310
Total 45.4 1.7 50.5 680 66,854,573 223,255 24,597,121,644 1,500 132,366,492
By Issue Age
20-24 91.3 37.3 67.3 6 485,000 8,328 909,752,283 7 721,099
25-29 52.1 15.0 55.4 12 1,440,000 20,188 2,281,460,582 23 2,597,809
30-34 52.3 10.3 71.3 26 4,500,000 28,513 3,668,444,416 50 6,308,377
35-39 59.1 8.0 73.1 55 8,955,000 33,355 4,490,090,963 93 12,248,274
40-44 54.1 5.5 51.3 97 12,078,822 38,641 5,229,615,390 180 23,561,821
45-49 46.3 4.1 46.4 128 14,090,773 36,299 4,111,062,672 275 30,385,397
50-54 42.8 3.2 40.8 184 12,843,978 35,382 2,627,182,380 431 31,503,694
55-59 42.9 3.8 49.3 129 8,957,500 16,937 1,016,729,640 300 18,177,942
60-64 32.3 5.2 55.8 38 3,270,000 4,879 232,761,816 118 5,856,649
65+ 21.8 9.6 23.2 5 233,500 734 30,021,502 23 1,005,430
Total 45.4 1.7 50.5 680 66,854,573 223,255 24,597,121,644 1,500 132,366,492
By Attained Age
20-24 34.5 34.5 33.5 1 100,000 4,310 444,055,852 3 298,461
25-29 65.9 22.0 76.9 9 1,125,000 14,519 1,580,361,663 14 1,463,872
30-34 67.1 14.3 58.9 22 2,325,000 23,757 2,915,872,208 33 3,950,378
35-39 28.3 6.9 42.5 17 3,350,000 29,203 3,908,772,228 60 7,880,111
40-44 59.2 7.2 65.3 68 10,484,354 34,698 4,888,426,169 115 16,046,502
45-49 53.0 5.1 54.2 107 13,944,090 37,027 4,719,488,557 203 25,719,483
50-54 43.1 3.7 40.9 136 12,364,784 35,128 3,360,361,884 315 30,213,423
55-59 42.0 3.3 46.2 161 12,474,345 27,512 1,899,887,779 383 27,019,890
60-64 44.9 4.2 55.7 116 8,157,500 12,949 702,681,666 259 14,644,255
65+ 37.2 5.7 49.3 43 2,529,500 4,151 177,213,638 116 5,130,117
Total 45.4 1.7 50.5 680 66,854,573 223,255 24,597,121,644 1,500 132,366,492

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.2     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 52.0 2.6 56.8 393 39,647,821 147,656 13,728,788,681 756 69,766,167
Total 52.0 2.6 56.8 393 39,647,821 147,656 13,728,788,681 756 69,766,167
By Issue Age
20-44 52.3 4.5 57.8 136 15,375,085 100,961 9,836,491,151 260 26,611,850
45-49 56.5 5.7 61.5 99 10,379,200 24,505 2,209,728,992 176 16,886,517
50+ 49.4 3.9 52.9 158 13,893,536 22,190 1,682,568,538 319 26,267,799
Total 52.0 2.6 56.8 393 39,647,821 147,656 13,728,788,681 756 69,766,167
By Attained Age
20+ 52.0 2.6 56.8 393 39,647,821 147,656 13,728,788,681 756 69,766,167
Total 52.0 2.6 56.8 393 39,647,821 147,656 13,728,788,681 756 69,766,167

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.3     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.0 2.6 25.9 94 5,702,500 160,258 10,791,757,393 378 22,058,500
2 54.7 3.9 61.5 196 12,906,887 139,362 9,383,970,345 359 21,000,428
3 55.3 4.0 56.0 189 11,274,224 120,079 8,089,795,688 342 20,125,668
4 58.0 4.3 59.6 184 11,085,968 100,757 6,734,635,436 318 18,603,541
5 52.6 4.3 53.9 148 8,669,249 82,809 5,425,967,217 282 16,074,670
6 62.0 5.1 64.2 149 8,628,500 65,057 4,157,846,849 241 13,447,659
7+ 62.0 3.4 64.7 339 19,660,587 117,250 7,312,634,660 546 30,404,549
Total 52.7 1.5 55.0 1,300 77,927,915 785,571 51,896,607,588 2,465 141,715,015
By Issue Age
20-39 53.8 2.4 54.9 508 36,740,737 562,362 40,122,957,026 944 66,887,201
40-44 53.3 3.3 54.1 268 15,784,615 111,161 6,620,374,120 502 29,165,264
45-49 53.7 3.1 56.4 301 15,281,713 76,134 3,699,848,403 560 27,078,631
50+ 48.8 3.3 54.5 224 10,120,850 35,914 1,453,428,040 459 18,583,919
Total 52.7 1.5 55.0 1,300 77,927,915 785,571 51,896,607,588 2,465 141,715,015
By Attained Age
20-44 52.0 2.2 52.9 570 40,387,611 609,464 43,091,107,266 1,096 76,312,719
45-49 50.8 3.1 55.9 263 15,626,341 95,842 5,223,571,713 518 27,943,974
50-54 56.2 3.4 57.0 268 12,707,768 55,430 2,586,879,372 477 22,288,088
55-59 58.1 4.7 66.3 150 7,202,595 19,260 797,163,247 259 10,862,404
60-64 41.6 6.6 47.1 40 1,593,600 4,934 169,601,242 96 3,382,265
65+ 49.3 16.4 44.3 9 410,000 641 28,284,748 18 925,566
Total 52.7 1.5 55.0 1,300 77,927,915 785,571 51,896,607,588 2,465 141,715,015

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.4     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.7 4.1 22.3 25 3,079,500 25,003 3,360,112,058 122 13,815,879
2 36.7 5.7 37.0 41 4,774,000 20,311 2,798,251,234 112 12,894,981
3 46.4 6.8 72.8 46 8,211,854 15,845 2,204,107,569 100 11,278,342
4 54.8 7.9 58.7 48 5,400,000 12,701 1,681,489,477 88 9,195,634
5 55.4 8.1 55.8 47 4,568,500 10,978 1,367,720,644 85 8,189,890
6 34.4 6.5 29.9 28 2,225,615 9,418 1,125,777,149 82 7,452,566
7+ 56.8 4.9 68.9 133 13,916,116 21,133 2,354,263,641 234 20,185,947
Total 44.8 2.3 50.8 369 42,175,585 115,389 14,891,721,772 824 83,013,239
By Issue Age
20-24 69.4 49.1 59.0 2 200,000 4,009 468,867,221 3 338,900
25-29 70.4 26.6 83.0 7 1,050,000 9,847 1,243,364,207 10 1,264,983
30-34 55.6 15.4 80.5 13 2,800,000 15,129 2,250,455,603 23 3,479,179
35-39 55.0 10.8 82.2 26 5,880,000 18,402 2,837,931,128 47 7,149,575
40-44 48.6 7.0 49.6 48 7,418,822 21,636 3,387,838,911 99 14,960,152
45-49 41.9 5.2 38.9 65 7,560,115 19,322 2,520,361,845 156 19,444,299
50-54 45.8 4.3 39.5 111 7,918,648 17,102 1,478,803,478 243 20,027,079
55-59 41.7 5.0 53.7 70 6,364,500 7,698 561,330,664 169 11,862,175
60-64 41.3 8.3 75.7 25 2,880,000 1,933 125,612,785 60 3,806,227
65+ 8.7 8.3 15.2 1 103,500 311 17,155,930 13 680,669
Total 44.8 2.3 50.8 369 42,175,585 115,389 14,891,721,772 824 83,013,239
By Attained Age
20-24 0.0 0.0 0.0 0 0 2,024 224,491,340 1 142,675
25-29 88.3 39.5 123.5 5 850,000 6,850 832,699,519 6 687,989
30-34 61.7 20.6 54.2 9 1,125,000 12,110 1,714,675,291 15 2,077,022
35-39 24.5 9.3 41.0 7 1,825,000 15,853 2,461,285,016 29 4,446,118
40-44 62.0 10.2 78.2 37 7,559,354 19,433 3,128,483,274 60 9,672,381
45-49 42.7 6.2 44.2 48 7,258,500 20,632 3,015,458,174 113 16,426,522
50-54 40.6 4.8 37.3 71 7,152,083 17,887 1,980,123,669 175 19,151,852
55-59 45.6 4.6 46.7 100 8,145,648 13,135 1,057,040,893 218 17,440,638
60-64 44.1 5.5 63.8 64 6,195,500 5,758 386,603,790 146 9,716,507
65+ 45.4 8.6 63.5 28 2,064,500 1,707 90,860,806 62 3,251,534
Total 44.8 2.3 50.8 369 42,175,585 115,389 14,891,721,772 824 83,013,239

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.5     MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 52.5 3.7 51.3 199 21,854,085 68,164 7,671,406,998 378 42,593,081
Total 52.5 3.7 51.3 199 21,854,085 68,164 7,671,406,998 378 42,593,081
By Issue Age
20-54 48.5 4.1 48.6 140 16,429,585 64,629 7,332,238,580 290 33,780,712
55-59 70.9 11.2 66.8 40 3,769,500 2,575 246,597,673 57 5,640,089
60+ 56.8 13.4 52.2 18 1,655,000 959 92,570,745 32 3,172,280
Total 52.5 3.7 51.3 199 21,854,085 68,164 7,671,406,998 378 42,593,081
By Attained Age
20+ 52.5 3.7 51.3 199 21,854,085 68,164 7,671,406,998 378 42,593,081
Total 52.5 3.7 51.3 199 21,854,085 68,164 7,671,406,998 378 42,593,081

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.6     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-2 39.3 3.5 40.3 127 8,146,417 139,702 10,031,256,478 324 20,226,965
3 57.1 6.1 57.3 88 5,597,524 56,430 4,057,876,252 155 9,762,234
4 50.2 5.9 53.0 73 4,818,608 47,336 3,374,917,964 146 9,088,743
5 51.9 6.3 51.7 67 4,057,500 38,786 2,707,317,125 129 7,845,981
6 47.9 6.6 56.4 53 3,699,000 30,272 2,062,806,159 111 6,563,688
7+ 56.6 4.6 59.2 148 9,234,064 54,715 3,660,897,797 262 15,595,859
Total 49.5 2.1 51.5 557 35,553,113 367,242 25,895,071,775 1,127 69,083,470
By Issue Age
20-39 51.1 3.6 54.4 199 16,064,440 265,230 19,957,414,539 390 29,545,312
40-44 47.2 4.6 43.7 107 6,325,762 51,866 3,383,517,582 228 14,486,156
45-49 50.8 4.3 55.3 138 7,903,800 34,638 1,839,362,247 273 14,289,114
50-54 57.1 6.2 59.2 84 4,197,861 11,518 554,987,575 147 7,087,112
55-59 32.3 6.6 26.5 24 751,250 3,531 136,014,184 75 2,839,210
60-64 33.0 16.5 53.4 4 310,000 405 18,221,702 12 581,037
65+ 0.0 0.0 0.0 0 0 55 5,553,945 2 255,529
Total 49.5 2.1 51.5 557 35,553,113 367,242 25,895,071,775 1,127 69,083,470
By Attained Age
20-44 48.3 3.3 50.9 220 17,325,983 287,591 21,498,015,404 456 34,009,268
45-49 46.1 4.4 48.4 110 6,776,219 44,039 2,625,613,440 237 13,999,009
50-54 55.5 4.8 58.7 132 7,073,816 24,998 1,281,338,205 237 12,051,831
55-59 53.0 6.2 53.5 72 3,412,095 8,340 394,109,039 136 6,372,602
60+ 39.6 8.1 36.4 24 965,000 2,273 95,995,687 61 2,650,759
Total 49.5 2.1 51.5 557 35,553,113 367,242 25,895,071,775 1,127 69,083,470

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.7     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 5.0 26.8 30 2,293,600 24,413 2,187,920,060 110 8,559,008
2 47.9 7.0 45.9 47 3,600,133 19,382 1,806,576,401 99 7,837,729
3 42.0 7.1 53.5 35 3,585,490 14,626 1,395,229,767 84 6,697,632
4 55.3 8.7 76.3 40 4,160,000 11,391 1,066,798,774 72 5,449,084
5 49.7 8.5 53.7 34 2,619,000 9,922 896,182,553 68 4,873,585
6 49.7 8.8 59.9 32 2,619,491 8,583 746,936,856 64 4,373,851
7+ 51.7 5.4 50.2 92 5,801,274 19,548 1,605,755,461 178 11,562,363
Total 46.0 2.6 50.0 311 24,678,988 107,866 9,705,399,871 676 49,353,253
By Issue Age
20-24 108.4 54.2 74.6 4 285,000 4,318 440,885,063 4 382,199
25-29 38.2 17.1 29.3 5 390,000 10,341 1,038,096,375 13 1,332,827
30-34 49.4 13.7 60.1 13 1,700,000 13,384 1,417,988,813 26 2,829,198
35-39 63.4 11.8 60.3 29 3,075,000 14,953 1,652,159,834 46 5,098,699
40-44 60.9 8.7 54.2 49 4,660,000 17,005 1,841,776,479 81 8,601,668
45-49 52.1 6.6 59.7 62 6,530,658 16,977 1,590,700,826 120 10,941,098
50-54 38.9 4.6 42.9 73 4,925,330 18,280 1,148,378,902 188 11,476,615
55-59 44.4 5.8 41.1 58 2,593,000 9,239 455,398,976 131 6,315,767
60-64 22.7 6.3 19.0 13 390,000 2,946 107,149,031 57 2,050,422
65+ 37.2 18.6 40.0 4 130,000 423 12,865,572 11 324,761
Total 46.0 2.6 50.0 311 24,678,988 107,866 9,705,399,871 676 49,353,253
By Attained Age
20-24 61.8 61.8 64.2 1 100,000 2,286 219,564,512 2 155,786
25-29 50.1 25.1 35.4 4 275,000 7,670 747,662,144 8 775,884
30-34 71.5 19.8 64.1 13 1,200,000 11,646 1,201,196,917 18 1,873,356
35-39 31.6 10.0 44.4 10 1,525,000 13,350 1,447,487,212 32 3,433,992
40-44 56.2 10.1 45.9 31 2,925,000 15,265 1,759,942,895 55 6,374,121
45-49 66.0 8.6 71.9 59 6,685,590 16,395 1,704,030,383 90 9,292,961
50-54 46.1 5.7 47.1 64 5,212,701 17,241 1,380,238,215 140 11,061,571
55-59 37.1 4.7 45.2 61 4,328,697 14,378 842,846,885 165 9,579,252
60-64 45.9 6.4 39.8 52 1,962,000 7,192 316,077,876 113 4,927,747
65+ 27.8 7.2 24.8 15 465,000 2,444 86,352,833 54 1,878,584
Total 46.0 2.6 50.0 311 24,678,988 107,866 9,705,399,871 676 49,353,253

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.8     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.1 3.3 26.7 49 3,152,500 85,697 5,437,365,097 214 11,795,867
2 57.2 5.4 66.2 114 7,310,470 74,221 4,707,106,163 199 11,036,096
3 53.8 5.4 54.8 100 5,676,700 63,649 4,031,919,436 187 10,363,434
4 64.5 6.1 65.9 111 6,267,360 53,420 3,359,717,472 172 9,514,798
5 53.3 5.9 56.0 81 4,611,749 44,023 2,718,650,092 152 8,228,689
6 74.0 7.5 71.6 96 4,929,500 34,785 2,095,040,689 130 6,883,971
7+ 67.1 4.9 70.4 190 10,426,523 62,534 3,651,736,863 284 14,808,690
Total 55.5 2.0 58.3 742 42,374,802 418,329 26,001,535,813 1,338 72,631,546
By Issue Age
20-39 55.7 3.2 55.4 308 20,676,297 297,132 20,165,542,486 554 37,341,890
40-44 58.4 4.6 64.4 160 9,458,853 59,295 3,236,856,538 274 14,679,108
45-49 56.4 4.4 57.7 162 7,377,913 41,497 1,860,486,155 288 12,789,517
50+ 50.2 4.7 62.2 112 4,861,739 20,406 738,650,633 222 7,821,031
Total 55.5 2.0 58.3 742 42,374,802 418,329 26,001,535,813 1,338 72,631,546
By Attained Age
20-44 54.6 2.9 54.5 349 23,061,628 321,873 21,593,091,862 640 42,303,450
45-49 54.7 4.4 63.5 153 8,850,122 51,803 2,597,958,273 280 13,944,964
50-54 56.8 4.9 55.0 136 5,633,952 30,432 1,305,541,167 240 10,236,256
55-59 63.7 7.2 84.4 78 3,790,500 10,919 403,054,208 123 4,489,802
60-64 45.8 10.0 63.3 21 888,600 2,933 90,333,258 46 1,404,778
65+ 50.0 25.0 59.5 4 150,000 369 11,557,045 8 252,294
Total 55.5 2.0 58.3 742 42,374,802 418,329 26,001,535,813 1,338 72,631,546

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.9     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.4 14.8 77.7 5 876,000 3,866 342,737,239 15 1,127,240
2 67.6 22.4 71.8 9 730,133 2,992 275,245,274 13 1,016,552
3 69.1 24.4 57.6 8 485,000 2,172 202,011,151 12 842,498
4 58.9 24.1 75.3 6 520,000 1,705 152,431,145 10 690,688
5 99.4 31.4 147.0 10 890,000 1,468 121,419,850 10 605,510
6 78.3 29.4 96.1 7 495,000 1,215 97,989,798 9 515,169
7+ 78.4 19.0 75.7 17 939,515 2,489 199,725,258 22 1,241,888
Total 68.2 8.6 81.7 62 4,935,648 15,907 1,391,559,715 91 6,039,545
By Issue Age
20-24 0.0 0.0 0.0 0 0 966 85,224,233 1 68,065
25-29 97.1 68.7 66.9 2 140,000 1,884 192,158,018 2 209,127
30-34 79.4 45.9 206.6 3 800,000 2,303 236,331,528 4 387,146
35-39 76.8 34.3 76.9 5 500,000 2,434 242,750,081 7 650,339
40-44 67.9 23.9 66.4 8 815,000 2,603 281,305,449 12 1,227,197
45-49 94.8 24.5 117.4 15 1,715,000 2,171 203,952,719 16 1,460,929
50-54 47.6 13.2 38.4 13 460,648 2,331 104,940,245 28 1,198,618
55-59 68.6 20.6 57.7 11 370,000 943 37,168,134 16 640,845
60-64 68.3 34.1 44.0 4 75,000 250 7,018,548 6 170,304
65+ 110.3 110.3 222.4 1 60,000 24 710,759 1 26,974
Total 68.2 8.6 81.7 62 4,935,648 15,907 1,391,559,715 91 6,039,545
By Attained Age
20-24 0.0 0.0 0.0 0 0 523 39,245,328 0 25,985
25-29 73.6 73.6 66.7 1 90,000 1,495 151,438,139 1 134,959
30-34 74.6 52.7 76.0 2 200,000 2,016 199,464,888 3 263,097
35-39 22.5 22.5 55.7 1 250,000 2,253 232,019,611 4 449,216
40-44 101.1 35.8 136.2 8 1,200,000 2,427 269,785,916 8 881,019
45-49 82.9 24.9 112.4 11 1,530,000 2,462 251,846,091 13 1,361,360
50-54 58.8 16.9 55.4 12 761,133 2,266 152,683,300 21 1,373,906
55-59 63.2 16.9 56.2 14 559,515 1,597 69,715,904 22 995,428
60-64 83.8 25.2 62.9 11 260,000 678 20,583,248 13 413,242
65+ 38.6 27.3 60.1 2 85,000 189 4,777,288 5 141,332
Total 68.2 8.6 81.7 62 4,935,648 15,907 1,391,559,715 91 6,039,545

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.10     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 47.2 9.8 42.7 23 945,000 23,906 1,307,566,876 49 2,214,918
2 74.6 13.0 77.4 33 1,530,000 19,618 1,054,066,504 44 1,975,767
3 79.8 14.1 88.1 32 1,585,000 16,256 867,810,232 40 1,798,307
4 74.5 14.3 88.0 27 1,402,870 13,188 694,882,181 36 1,594,102
5 58.0 13.7 70.2 18 930,000 10,497 538,304,792 31 1,325,656
6 99.6 19.5 95.3 26 1,055,000 8,114 405,958,448 26 1,106,759
7+ 93.4 12.8 89.7 53 2,148,000 14,067 670,619,268 57 2,394,985
Total 74.8 5.1 77.3 212 9,595,870 105,645 5,539,208,302 284 12,410,494
By Issue Age
20-39 71.2 7.6 69.9 87 4,729,870 80,263 4,590,242,964 122 6,766,941
40-44 76.3 11.4 77.9 45 1,925,000 13,287 568,211,050 59 2,470,722
45-49 87.2 11.7 109.9 55 2,281,000 8,798 289,907,517 63 2,074,936
50+ 64.0 12.8 60.1 25 660,000 3,297 90,846,771 39 1,097,895
Total 74.8 5.1 77.3 212 9,595,870 105,645 5,539,208,302 284 12,410,494
By Attained Age
20-44 69.2 7.0 66.7 98 5,084,870 86,258 4,859,675,945 142 7,626,295
45-49 80.4 11.5 106.4 49 2,443,000 11,332 431,962,805 61 2,295,878
50-54 79.6 12.3 87.1 42 1,450,000 6,136 193,182,314 53 1,663,820
55-59 94.3 21.0 89.8 20 558,000 1,579 44,916,628 21 621,214
60-64 49.4 28.5 34.2 3 60,000 308 8,403,623 6 175,329
65+ 0.0 0.0 0.0 0 0 32 1,066,986 1 27,957
Total 74.8 5.1 77.3 212 9,595,870 105,645 5,539,208,302 284 12,410,494

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.11     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 35.3 20.1 104.2 3 761,000 2,313 231,327,281 9 730,174
2 38.3 22.1 53.4 3 350,000 1,789 184,415,737 8 655,693
3 116.9 41.3 89.3 8 485,000 1,295 133,561,184 7 543,191
4 32.6 23.0 32.5 2 150,000 1,038 102,378,984 6 461,394
5 117.8 44.5 167.8 7 675,000 876 80,308,643 6 402,246
6 78.7 38.9 97.5 4 335,000 712 65,125,234 5 343,565
7+ 81.8 25.9 95.2 10 779,515 1,425 131,492,571 12 818,592
Total 70.2 11.5 89.4 37 3,535,515 9,448 928,609,635 53 3,954,855
By Issue Age
20-24 0.0 0.0 0.0 0 0 526 50,014,882 0 36,145
25-29 0.0 0.0 0.0 0 0 1,135 124,581,175 1 124,178
30-34 44.1 44.1 155.8 1 400,000 1,513 170,497,400 2 256,724
35-39 101.7 50.9 81.7 4 350,000 1,585 170,607,558 4 428,352
40-44 52.5 26.3 68.2 4 575,000 1,697 197,803,053 8 843,543
45-49 109.2 32.9 148.0 11 1,480,000 1,325 133,870,086 10 1,000,317
50-54 64.1 20.2 52.0 10 385,515 1,171 57,590,301 16 741,464
55-59 61.3 27.1 77.7 5 310,000 390 19,685,718 8 398,807
60+ 57.3 40.5 27.9 2 35,000 106 3,959,462 3 125,326
Total 70.2 11.5 89.4 37 3,535,515 9,448 928,609,635 53 3,954,855
By Attained Age
20-24 0.0 0.0 0.0 0 0 277 22,644,405 0 14,191
25-29 0.0 0.0 0.0 0 0 872 96,551,737 1 78,668
30-34 0.0 0.0 0.0 0 0 1,269 136,591,426 2 165,906
35-39 0.0 0.0 0.0 0 0 1,493 167,776,346 3 297,191
40-44 123.2 50.3 174.0 6 1,000,000 1,584 185,648,315 5 574,844
45-49 81.6 30.8 128.1 7 1,200,000 1,581 173,772,505 9 937,106
50-54 73.0 24.2 74.0 9 661,000 1,269 92,951,417 12 893,637
55-59 79.9 25.3 72.5 10 479,515 761 40,461,925 13 661,346
60-64 60.4 29.8 70.2 4 170,000 272 9,840,710 7 242,257
65+ 37.5 37.5 27.9 1 25,000 71 2,370,850 3 89,708
Total 70.2 11.5 89.4 37 3,535,515 9,448 928,609,635 53 3,954,855

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.12     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-2 78.6 12.9 69.6 37 1,625,000 24,388 1,432,919,494 47 2,334,758
3 88.0 20.7 101.0 18 1,021,000 8,981 523,154,150 21 1,010,476
4 70.5 19.6 109.1 13 970,000 7,191 413,708,252 18 888,827
5 51.8 18.3 62.2 8 450,000 5,628 316,470,511 15 722,983
6 76.6 24.2 83.1 10 510,000 4,299 237,671,731 13 613,954
7+ 88.2 17.3 92.0 26 1,285,000 7,376 392,631,192 29 1,397,169
Total 77.8 7.3 84.1 112 5,861,000 57,863 3,316,555,332 144 6,968,168
By Issue Age
20-44 82.1 9.5 85.2 74 4,325,000 52,003 3,105,989,849 90 5,077,112
45-49 66.4 14.1 85.4 22 1,051,000 4,362 163,049,055 33 1,230,396
50+ 77.7 19.4 73.4 16 485,000 1,499 47,516,429 21 660,660
Total 77.8 7.3 84.1 112 5,861,000 57,863 3,316,555,332 144 6,968,168
By Attained Age
20-49 79.4 8.9 85.7 80 4,681,000 54,033 3,181,949,440 101 5,460,492
50-54 72.1 16.1 85.3 20 825,000 2,949 103,930,162 28 966,885
55-59 84.9 26.7 74.9 10 305,000 736 25,525,055 12 407,463
60+ 54.3 38.4 37.5 2 50,000 145 5,150,675 4 133,328
Total 77.8 7.3 84.1 112 5,861,000 57,863 3,316,555,332 144 6,968,168

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.13     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.8 21.8 29.0 2 115,000 1,553 111,409,958 6 397,066
2 108.4 43.9 105.3 6 380,133 1,204 90,829,538 6 360,859
3 0.0 0.0 0.0 0 0 876 68,449,966 5 299,307
4 99.0 49.5 161.4 4 370,000 667 50,052,161 4 229,294
5 72.9 42.1 105.8 3 215,000 592 41,111,207 4 203,264
6 77.8 44.9 93.2 3 160,000 503 32,864,563 4 171,604
7+ 74.0 28.0 37.8 7 160,000 1,064 68,232,687 9 423,296
Total 65.5 13.1 67.2 25 1,400,133 6,460 462,950,080 38 2,084,690
By Issue Age
20-24 0.0 0.0 0.0 0 0 439 35,209,351 0 31,919
25-29 215.7 152.5 164.8 2 140,000 750 67,576,843 1 84,950
30-34 132.7 93.8 306.7 2 400,000 790 65,834,128 2 130,423
35-39 38.8 38.8 67.6 1 150,000 849 72,142,523 3 221,988
40-44 95.0 46.9 62.6 4 240,000 906 83,502,396 4 383,653
45-49 69.6 34.8 51.0 4 235,000 846 70,082,633 6 460,613
50-54 25.5 14.7 16.4 3 75,133 1,160 47,349,945 12 457,155
55-59 76.4 31.2 24.8 6 60,000 552 17,482,417 8 242,038
60+ 91.7 52.9 139.0 3 100,000 168 3,769,845 3 71,952
Total 65.5 13.1 67.2 25 1,400,133 6,460 462,950,080 38 2,084,690
By Attained Age
20-24 0.0 0.0 0.0 0 0 246 16,600,924 0 11,794
25-29 155.6 155.6 159.9 1 90,000 623 54,886,402 1 56,292
30-34 173.4 122.6 205.8 2 200,000 747 62,873,462 1 97,191
35-39 55.8 55.8 164.4 1 250,000 760 64,243,264 2 152,025
40-44 65.8 46.5 65.3 2 200,000 843 84,137,602 3 306,175
45-49 85.3 42.1 77.8 4 330,000 882 78,073,587 5 424,253
50-54 37.0 21.3 20.8 3 100,133 998 59,731,883 8 480,269
55-59 41.5 20.7 23.9 4 80,000 837 29,253,980 10 334,083
60+ 89.2 31.5 67.4 8 150,000 524 13,148,977 9 222,609
Total 65.5 13.1 67.2 25 1,400,133 6,460 462,950,080 38 2,084,690

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.14     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.8 10.9 37.7 7 370,000 10,447 510,505,025 24 982,286
2 55.2 15.9 54.9 12 480,000 8,688 418,208,861 22 873,641
3 71.2 19.0 71.6 14 564,000 7,275 344,656,082 20 787,831
4 78.7 21.0 61.4 14 432,870 5,997 281,173,929 18 705,275
5 64.1 20.3 79.6 10 480,000 4,869 221,834,281 16 602,672
6 122.5 30.6 110.6 16 545,000 3,815 168,286,717 13 492,805
7+ 99.0 19.1 86.5 27 863,000 6,691 277,988,076 27 997,815
Total 71.7 7.2 68.6 100 3,734,870 47,782 2,222,652,970 140 5,442,326
By Issue Age
20-34 66.6 13.3 50.9 25 997,870 27,188 1,431,615,177 38 1,958,540
35-39 58.5 15.6 56.5 14 627,000 8,001 380,553,904 24 1,110,092
40-44 64.4 14.8 64.6 19 705,000 6,358 240,295,084 30 1,091,919
45-49 110.4 19.2 145.6 33 1,230,000 4,436 126,858,463 30 844,541
50+ 48.6 16.2 40.0 9 175,000 1,799 43,330,342 19 437,234
Total 71.7 7.2 68.6 100 3,734,870 47,782 2,222,652,970 140 5,442,326
By Attained Age
20-24 86.8 61.4 43.6 2 50,000 3,324 165,817,578 2 114,802
25-34 59.6 11.7 48.3 26 1,094,870 27,477 1,449,440,237 44 2,267,091
40-44 63.5 15.9 58.4 16 630,000 7,090 307,355,582 25 1,078,556
45-49 75.1 15.6 107.1 23 1,072,000 5,667 187,075,914 31 1,001,232
50-54 87.8 18.7 89.7 22 625,000 3,187 89,252,151 25 696,935
55-59 106.2 33.6 118.4 10 253,000 843 19,391,574 9 213,752
60-64 37.1 37.1 17.4 1 10,000 173 3,717,934 3 57,500
65+ 0.0 0.0 0.0 0 0 23 602,000 0 12,458
Total 71.7 7.2 68.6 100 3,734,870 47,782 2,222,652,970 140 5,442,326

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.15     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.2 3.3 21.2 50 4,497,100 45,550 5,205,294,880 217 21,247,647
2 40.2 4.5 38.8 79 7,644,000 36,700 4,329,582,360 197 19,716,158
3 42.7 5.0 66.0 74 11,312,344 28,300 3,397,326,186 172 17,133,476
4 54.8 6.0 64.8 82 9,040,000 22,387 2,595,857,105 150 13,954,031
5 49.6 5.9 50.5 71 6,297,500 19,432 2,142,483,347 144 12,457,965
6 38.7 5.3 38.5 53 4,350,106 16,786 1,774,724,207 137 11,311,249
7+ 53.3 3.7 61.6 208 18,777,875 38,193 3,760,293,843 391 30,506,422
Total 43.9 1.8 49.0 618 61,918,925 207,348 23,205,561,929 1,409 126,326,947
By Issue Age
20-24 103.1 42.1 74.3 6 485,000 7,362 824,528,050 6 653,034
25-29 47.7 15.1 54.4 10 1,300,000 18,304 2,089,302,564 21 2,388,682
30-34 50.1 10.4 62.5 23 3,700,000 26,210 3,432,112,888 46 5,921,231
35-39 57.8 8.2 72.9 50 8,455,000 30,920 4,247,340,881 87 11,597,934
40-44 53.1 5.6 50.4 89 11,263,822 36,039 4,948,309,941 168 22,334,624
45-49 43.4 4.1 42.8 113 12,375,773 34,128 3,907,109,953 260 28,924,468
50-54 42.5 3.2 40.9 171 12,383,330 33,051 2,522,242,134 403 30,305,075
55-59 41.4 3.8 49.0 118 8,587,500 15,994 979,561,506 284 17,537,097
60-64 30.4 5.2 56.2 34 3,195,000 4,629 225,743,268 112 5,686,346
65+ 18.2 9.0 17.7 4 173,500 711 29,310,742 23 978,455
Total 43.9 1.8 49.0 618 61,918,925 207,348 23,205,561,929 1,409 126,326,947
By Attained Age
20-24 39.1 39.1 36.7 1 100,000 3,787 404,810,524 3 272,476
25-29 65.1 23.0 77.9 8 1,035,000 13,024 1,428,923,524 12 1,328,913
30-34 66.5 14.9 57.6 20 2,125,000 21,741 2,716,407,320 30 3,687,281
35-39 28.7 7.2 41.7 16 3,100,000 26,950 3,676,752,617 56 7,430,895
40-44 56.1 7.2 61.2 60 9,284,354 32,271 4,618,640,252 107 15,165,483
45-49 50.9 5.2 51.0 96 12,414,090 34,565 4,467,642,466 189 24,358,124
50-54 41.9 3.8 40.2 124 11,603,651 32,862 3,207,678,584 294 28,839,517
55-59 40.7 3.4 45.8 147 11,914,830 25,915 1,830,171,874 361 26,024,461
60-64 42.8 4.2 55.5 105 7,897,500 12,271 682,098,418 246 14,231,012
65+ 37.1 5.8 49.0 41 2,444,500 3,962 172,436,350 111 4,988,786
Total 43.9 1.8 49.0 618 61,918,925 207,348 23,205,561,929 1,409 126,326,947

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.16     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 48.2 2.6 54.7 332 35,948,736 131,423 12,724,864,410 689 65,728,930
Total 48.2 2.6 54.7 332 35,948,736 131,423 12,724,864,410 689 65,728,930
By Issue Age
20-39 50.8 6.6 64.9 60 8,190,000 62,755 6,381,376,092 118 12,627,923
40-44 48.1 6.5 45.0 55 5,439,000 26,105 2,658,471,203 115 12,090,536
45-49 49.7 5.6 58.8 79 9,381,200 22,120 2,082,265,762 159 15,964,421
50-54 38.2 5.1 41.5 57 5,515,036 12,995 1,065,303,799 150 13,301,507
55+ 54.9 6.1 63.2 80 7,423,500 7,448 537,447,555 147 11,744,543
Total 48.2 2.6 54.7 332 35,948,736 131,423 12,724,864,410 689 65,728,930
By Attained Age
20+ 48.2 2.6 54.7 332 35,948,736 131,423 12,724,864,410 689 65,728,930
Total 48.2 2.6 54.7 332 35,948,736 131,423 12,724,864,410 689 65,728,930

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.17     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 21.7 2.6 24.0 71 4,757,500 136,353 9,484,190,517 329 19,843,582
2 51.9 4.1 59.8 163 11,376,887 119,744 8,329,903,841 315 19,024,661
3 52.0 4.2 52.9 157 9,689,224 103,823 7,221,985,456 301 18,327,361
4 55.8 4.5 56.9 157 9,683,098 87,569 6,039,753,255 282 17,009,439
5 52.0 4.6 52.5 130 7,739,249 72,313 4,887,662,425 251 14,749,014
6 57.4 5.2 61.4 123 7,573,500 56,942 3,751,888,400 215 12,340,900
7+ 58.4 3.5 62.5 286 17,512,587 103,182 6,642,015,392 489 28,009,564
Total 49.9 1.5 52.8 1,088 68,332,045 679,926 46,357,399,286 2,181 129,304,521
By Issue Age
20-39 51.2 2.5 53.2 421 32,010,867 482,098 35,532,714,062 822 60,120,260
40-44 50.3 3.4 51.9 222 13,859,615 97,875 6,052,163,070 443 26,694,542
45-49 49.4 3.2 52.0 246 13,000,713 67,336 3,409,940,885 497 25,003,694
50+ 47.4 3.4 54.1 199 9,460,850 32,616 1,362,581,269 420 17,486,024
Total 49.9 1.5 52.8 1,088 68,332,045 679,926 46,357,399,286 2,181 129,304,521
By Attained Age
20-44 49.4 2.3 51.4 472 35,302,741 523,206 38,231,431,321 954 68,686,424
45-49 46.8 3.2 51.4 214 13,183,341 84,510 4,791,608,908 457 25,648,095
50-54 53.3 3.5 54.6 226 11,257,768 49,294 2,393,697,058 424 20,624,267
55-59 54.8 4.8 64.9 130 6,644,595 17,681 752,246,618 238 10,241,190
60-64 41.0 6.7 47.8 37 1,533,600 4,626 161,197,619 90 3,206,936
65+ 51.4 17.1 45.7 9 410,000 609 27,217,762 17 897,609
Total 49.9 1.5 52.8 1,088 68,332,045 679,926 46,357,399,286 2,181 129,304,521

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.18     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.5 4.2 17.7 22 2,318,500 22,690 3,128,784,777 113 13,085,705
2 36.5 5.9 36.1 38 4,424,000 18,522 2,613,835,497 105 12,239,288
3 41.2 6.7 72.0 38 7,726,854 14,550 2,070,546,385 93 10,735,151
4 56.5 8.3 60.1 46 5,250,000 11,663 1,579,110,493 82 8,734,240
5 50.7 8.0 50.0 40 3,893,500 10,102 1,287,412,002 79 7,787,644
6 31.4 6.4 26.6 24 1,890,615 8,706 1,060,651,914 77 7,109,002
7+ 55.4 5.0 67.8 123 13,136,601 19,708 2,222,771,070 222 19,367,355
Total 43.1 2.4 48.9 332 38,640,070 105,941 13,963,112,138 771 79,058,384
By Issue Age
20-24 79.7 56.4 66.1 2 200,000 3,483 418,852,339 3 302,755
25-29 79.4 30.0 92.0 7 1,050,000 8,713 1,118,783,032 9 1,140,805
30-34 56.8 16.4 74.5 12 2,400,000 13,616 2,079,958,203 21 3,222,456
35-39 50.7 10.8 82.3 22 5,530,000 16,816 2,667,323,570 43 6,721,223
40-44 48.3 7.3 48.5 44 6,843,822 19,939 3,190,035,858 92 14,116,609
45-49 37.2 5.1 33.0 54 6,080,115 17,997 2,386,491,759 146 18,443,982
50-54 44.6 4.4 39.1 101 7,533,133 15,931 1,421,213,177 227 19,285,615
55-59 40.7 5.0 52.8 65 6,054,500 7,308 541,644,946 160 11,463,369
60-64 39.7 8.3 76.8 23 2,845,000 1,849 122,314,902 58 3,706,740
65+ 9.3 8.9 15.8 1 103,500 289 16,494,351 12 654,830
Total 43.1 2.4 48.9 332 38,640,070 105,941 13,963,112,138 771 79,058,384
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,747 201,846,936 1 128,484
25-29 101.0 45.2 139.5 5 850,000 5,978 736,147,782 5 609,321
30-34 68.9 23.0 58.9 9 1,125,000 10,841 1,578,083,865 13 1,911,116
35-39 27.0 10.2 44.0 7 1,825,000 14,360 2,293,508,670 26 4,148,928
40-44 56.6 10.1 72.1 31 6,559,354 17,849 2,942,834,959 55 9,097,537
45-49 39.5 6.2 39.1 41 6,058,500 19,051 2,841,685,670 104 15,489,415
50-54 38.2 4.8 35.6 62 6,491,083 16,618 1,887,172,252 163 18,258,215
55-59 43.6 4.6 45.7 90 7,666,133 12,374 1,016,578,969 205 16,779,292
60-64 43.3 5.6 63.6 60 6,025,500 5,486 376,763,080 139 9,474,250
65+ 45.8 8.8 64.5 27 2,039,500 1,636 88,489,956 59 3,161,826
Total 43.1 2.4 48.9 332 38,640,070 105,941 13,963,112,138 771 79,058,384

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.19     MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776
Total 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776
By Issue Age
20+ 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776
Total 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776
By Attained Age
20+ 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776
Total 48.5 3.8 49.1 167 19,638,000 59,831 7,042,763,085 343 39,973,776

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.20     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-2 32.6 3.4 36.4 90 6,521,417 115,314 8,598,336,984 277 17,892,207
3 52.3 6.2 52.3 70 4,576,524 47,449 3,534,722,101 134 8,751,757
4 47.3 6.1 46.9 60 3,848,608 40,145 2,961,209,712 127 8,199,916
5 51.9 6.7 50.6 59 3,607,500 33,158 2,390,846,614 114 7,122,998
6 44.1 6.7 53.6 43 3,189,000 25,973 1,825,134,428 98 5,949,734
7+ 52.6 4.8 56.0 122 7,949,064 47,339 3,268,266,604 233 14,198,690
Total 45.3 2.1 47.8 445 29,692,113 309,379 22,578,516,444 983 62,115,302
By Issue Age
20-39 45.9 3.7 50.1 151 12,959,440 220,155 17,179,340,656 329 25,847,003
40-44 41.1 4.6 39.0 81 5,105,762 44,938 3,055,601,616 198 13,107,353
45-49 48.6 4.5 52.5 116 6,852,800 30,276 1,676,313,193 239 13,058,718
50-54 54.6 6.4 57.3 72 3,792,861 10,282 515,966,193 132 6,617,887
55-59 28.8 6.4 25.1 20 671,250 3,287 128,490,289 69 2,674,111
60-64 34.4 17.2 55.9 4 310,000 385 17,250,551 12 554,701
65+ 0.0 0.0 0.0 0 0 55 5,553,945 2 255,529
Total 45.3 2.1 47.8 445 29,692,113 309,379 22,578,516,444 983 62,115,302
By Attained Age
20-44 43.2 3.3 47.0 166 14,015,983 239,223 18,560,952,856 385 29,843,422
45-49 40.3 4.4 42.5 83 5,405,219 38,374 2,380,726,549 207 12,704,363
50-54 53.3 5.0 56.4 112 6,248,816 22,049 1,177,408,043 209 11,084,946
55-59 49.9 6.3 52.1 62 3,107,095 7,605 368,583,984 124 5,965,139
60-64 36.2 8.8 35.2 17 655,000 1,865 74,582,295 47 1,859,658
65+ 50.2 22.4 39.5 5 260,000 263 16,262,717 10 657,773
Total 45.3 2.1 47.8 445 29,692,113 309,379 22,578,516,444 983 62,115,302

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.21     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.2 5.1 26.7 28 2,178,600 22,861 2,076,510,103 104 8,161,942
2 44.2 6.9 43.1 41 3,220,000 18,178 1,715,746,863 93 7,476,870
3 44.4 7.5 56.0 35 3,585,490 13,750 1,326,779,801 79 6,398,325
4 52.7 8.8 72.6 36 3,790,000 10,724 1,016,746,613 68 5,219,791
5 48.2 8.7 51.5 31 2,404,000 9,330 855,071,345 64 4,670,321
6 47.9 8.9 58.5 29 2,459,491 8,080 714,072,293 61 4,202,247
7+ 50.5 5.5 50.6 85 5,641,274 18,484 1,537,522,774 169 11,139,067
Total 44.8 2.7 49.2 286 23,278,855 101,407 9,242,449,791 638 47,268,563
By Issue Age
20-24 120.7 60.4 81.4 4 285,000 3,879 405,675,711 3 350,280
25-29 24.7 14.2 20.0 3 250,000 9,591 970,519,532 12 1,247,877
30-34 44.3 13.4 48.2 11 1,300,000 12,594 1,352,154,685 25 2,698,775
35-39 64.9 12.2 60.0 28 2,925,000 14,104 1,580,017,311 43 4,876,711
40-44 59.0 8.8 53.8 45 4,420,000 16,100 1,758,274,083 76 8,218,015
45-49 51.2 6.7 60.1 58 6,295,658 16,131 1,520,618,194 114 10,480,485
50-54 39.8 4.8 44.0 70 4,850,197 17,120 1,101,028,957 176 11,019,460
55-59 42.3 5.9 41.7 52 2,533,000 8,686 437,916,560 123 6,073,729
60-64 20.3 6.1 17.7 11 350,000 2,780 103,428,367 54 1,979,606
65+ 28.0 16.2 21.6 3 70,000 421 12,816,391 11 323,625
Total 44.8 2.7 49.2 286 23,278,855 101,407 9,242,449,791 638 47,268,563
By Attained Age
20-24 68.9 68.9 69.4 1 100,000 2,040 202,963,588 1 143,992
25-29 40.9 23.6 25.7 3 185,000 7,046 692,775,742 7 719,592
30-34 64.6 19.5 56.3 11 1,000,000 10,900 1,138,323,454 17 1,776,165
35-39 30.2 10.1 38.8 9 1,275,000 12,590 1,383,243,947 30 3,281,967
40-44 55.7 10.3 44.9 29 2,725,000 14,422 1,675,805,293 52 6,067,946
45-49 64.9 8.7 71.7 55 6,355,590 15,513 1,625,956,796 85 8,868,708
50-54 46.6 6.0 48.3 61 5,112,568 16,244 1,320,506,332 131 10,581,301
55-59 36.9 4.9 46.0 57 4,248,697 13,541 813,592,906 155 9,245,169
60-64 42.1 6.3 39.4 45 1,872,000 6,786 305,335,338 107 4,756,762
65+ 27.2 7.3 22.2 14 405,000 2,326 83,946,394 51 1,826,960
Total 44.8 2.7 49.2 286 23,278,855 101,407 9,242,449,791 638 47,268,563

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.22     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 47.9 3.7 63.3 166 16,310,736 71,592 5,682,101,325 345 25,755,154
Total 47.9 3.7 63.3 166 16,310,736 71,592 5,682,101,325 345 25,755,154
By Issue Age
20-44 57.1 6.5 77.8 76 9,044,000 48,683 4,129,797,050 134 11,630,962
45-49 47.3 7.7 58.0 38 3,656,200 11,877 896,765,270 81 6,305,432
50+ 39.0 5.5 46.2 51 3,610,536 11,032 655,539,005 131 7,818,760
Total 47.9 3.7 63.3 166 16,310,736 71,592 5,682,101,325 345 25,755,154
By Attained Age
20-54 52.1 4.7 67.5 125 12,966,736 63,884 5,193,186,093 241 19,206,932
55-64 41.2 6.8 55.7 37 3,259,000 7,058 457,367,834 90 5,845,876
65+ 20.8 12.0 12.1 3 85,000 650 31,547,398 14 702,346
Total 47.9 3.7 63.3 166 16,310,736 71,592 5,682,101,325 345 25,755,154

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 10.23     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.3 3.4 25.7 42 2,782,500 75,249 4,926,860,072 189 10,813,582
2 57.5 5.7 67.2 102 6,830,470 65,533 4,288,897,302 178 10,162,455
3 51.7 5.6 53.4 86 5,112,700 56,374 3,687,263,355 167 9,575,604
4 62.9 6.4 66.2 97 5,834,490 47,424 3,078,543,543 154 8,809,523
5 52.1 6.2 54.2 71 4,131,749 39,154 2,496,815,811 137 7,626,017
6 68.6 7.7 68.6 80 4,384,500 30,969 1,926,753,972 117 6,391,166
7+ 63.7 5.0 69.2 163 9,563,523 55,844 3,373,748,788 256 13,810,875
Total 53.6 2.1 57.5 642 38,639,932 370,547 23,778,882,842 1,198 67,189,220
By Issue Age
20-39 54.7 3.3 55.6 269 19,051,427 261,943 18,353,373,405 492 34,273,258
40-44 57.7 4.9 64.4 141 8,753,853 52,937 2,996,561,454 244 13,587,189
45-49 50.2 4.4 51.5 129 6,147,913 37,060 1,733,627,692 258 11,944,976
50+ 50.3 5.0 63.5 103 4,686,739 18,607 695,320,291 204 7,383,797
Total 53.6 2.1 57.5 642 38,639,932 370,547 23,778,882,842 1,198 67,189,220
By Attained Age
20-44 53.6 3.1 54.8 305 21,286,758 283,983 19,670,478,465 569 38,843,002
45-49 52.2 4.6 60.1 130 7,778,122 46,136 2,410,882,359 250 12,943,732
50-54 53.2 5.0 52.5 114 5,008,952 27,245 1,216,289,015 215 9,539,321
55-59 60.2 7.3 82.7 68 3,537,500 10,077 383,662,634 114 4,276,051
60+ 47.3 9.6 64.8 24 1,028,600 3,107 97,570,369 51 1,587,114
Total 53.6 2.1 57.5 642 38,639,932 370,547 23,778,882,842 1,198 67,189,220

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 11.1     EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 64.4 10.3 62.7 39 3,970,000 6,910 726,219,668 61 6,330,016
1997 69.4 7.4 69.6 89 8,400,000 13,493 1,335,503,661 128 12,068,354
1998 69.1 6.2 63.8 126 10,873,583 21,212 2,096,208,970 182 17,038,082
1999 57.5 4.3 64.5 175 16,742,921 39,560 3,619,935,490 305 25,969,673
2000 58.0 3.4 58.0 283 23,174,312 71,042 6,237,719,966 488 39,976,076
2001 59.3 2.4 62.1 607 51,609,113 171,947 14,926,759,936 1,024 83,089,686
2002 56.6 2.1 59.3 714 59,423,250 236,876 19,900,380,863 1,261 100,213,065
2003 52.3 1.9 55.4 795 67,849,229 314,948 26,920,092,156 1,519 122,430,693
2004 51.3 2.0 53.7 687 59,203,249 297,231 25,850,289,203 1,339 110,210,877
2005 49.6 2.3 54.3 477 43,667,051 229,703 20,413,775,558 962 80,395,364
2006 46.4 2.5 48.6 342 29,207,125 188,509 16,558,034,004 736 60,056,764
2007 44.2 2.9 43.9 234 19,813,858 143,271 13,056,237,986 530 45,129,761
2008 42.9 3.2 38.1 176 13,084,639 121,574 10,713,326,523 409 34,382,957
2009 30.0 3.3 34.2 84 7,894,064 86,684 7,447,303,273 278 23,054,595
2010 22.2 3.9 24.3 32 2,871,000 46,405 3,970,904,778 144 11,792,880
Total 51.9 0.7 54.1 4,861 417,783,394 1,989,364 173,772,692,037 9,366 772,138,843

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 11.2     MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 60.3 12.8 58.4 22 2,445,000 3,614 424,414,555 37 4,187,951
1997 75.9 9.8 74.3 60 6,085,000 7,301 810,479,686 79 8,191,449
1998 63.8 7.6 60.9 71 6,963,583 11,281 1,241,985,604 111 11,435,570
1999 56.2 5.7 60.0 98 9,865,000 20,287 2,057,704,140 175 16,442,322
2000 56.7 4.6 52.9 153 12,898,389 35,589 3,462,536,129 270 24,385,510
2001 55.1 3.2 59.3 297 29,637,315 83,976 8,265,849,037 539 49,954,789
2002 57.4 2.9 59.4 382 35,323,954 115,976 10,933,408,584 666 59,509,452
2003 48.5 2.5 51.9 378 37,138,976 152,548 14,764,069,973 781 71,533,246
2004 46.8 2.6 49.2 317 31,316,589 143,593 13,976,635,263 678 63,645,943
2005 47.2 3.1 52.2 232 24,324,660 112,732 11,183,291,612 491 46,611,049
2006 47.2 3.6 41.5 174 14,121,603 92,313 9,025,162,811 368 34,025,363
2007 39.7 3.9 38.4 104 9,837,858 69,408 7,213,938,758 262 25,638,250
2008 40.3 4.5 35.6 79 6,879,000 57,635 5,817,775,769 197 19,323,074
2009 25.3 4.4 35.3 33 4,512,500 40,531 3,977,926,562 131 12,766,584
2010 22.3 5.8 25.1 15 1,631,000 21,603 2,148,037,289 67 6,499,032
Total 49.8 1.0 51.3 2,416 232,980,427 968,387 95,303,215,772 4,853 454,149,583

Thomson Data Analysis Tue Sep 30 16:41:36 2014


TABLE 11.3     FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2011
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 70.7 17.1 71.2 17 1,525,000 3,296 301,805,113 24 2,142,065
1997 58.9 10.9 59.7 29 2,315,000 6,192 525,023,975 49 3,876,906
1998 77.5 10.5 69.8 55 3,910,000 9,930 854,223,366 71 5,602,512
1999 59.2 6.7 72.2 77 6,877,921 19,273 1,562,231,350 130 9,527,351
2000 59.7 5.2 65.9 130 10,275,923 35,453 2,775,183,837 218 15,590,566
2001 64.0 3.6 66.3 310 21,971,798 87,971 6,660,910,900 485 33,134,898
2002 55.8 3.1 59.2 332 24,099,296 120,900 8,966,972,279 595 40,703,613
2003 56.4 2.8 60.3 416 30,710,253 162,401 12,156,022,183 738 50,897,446
2004 56.0 2.9 59.9 370 27,886,660 153,638 11,873,653,940 661 46,564,934
2005 52.1 3.3 57.3 246 19,342,391 116,971 9,230,483,946 471 33,784,315
2006 45.7 3.5 58.0 168 15,085,522 96,195 7,532,871,193 368 26,031,401
2007 48.7 4.3 51.2 131 9,976,000 73,864 5,842,299,227 268 19,491,512
2008 45.4 4.6 41.2 96 6,205,639 63,939 4,895,550,754 212 15,059,883
2009 34.3 4.8 32.9 50 3,381,564 46,153 3,469,376,711 147 10,288,010
2010 22.2 5.4 23.4 17 1,240,000 24,802 1,822,867,489 77 5,293,848
Total 54.2 1.1 58.1 2,445 184,802,967 1,020,977 78,469,476,265 4,514 317,989,260

Thomson Data Analysis Tue Sep 30 16:41:36 2014