Indexed Tables Public

CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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 9.1	TOTAL EXPERIENCE -- POLICY YEAR
TABLE 9.2	MALE EXPERIENCE -- POLICY YEAR
TABLE 9.3	FEMALE EXPERIENCE -- POLICY YEAR
TABLE 10.1	TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.2	MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.3	FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.4	TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.5	MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.6	FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.7	TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.8	MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.9	FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 11.1	EXPERIENCE BY ISSUE YEAR
TABLE 11.2	MALE EXPERIENCE BY ISSUE YEAR
TABLE 11.3	FEMALE EXPERIENCE BY ISSUE YEAR

TABLE 1.1 TOTAL EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	1.9	32.3	218	19,741,111	233,106	19,937,479,813	765	61,047,468
2	50.1	2.5	51.1	391	31,776,939	210,355	17,954,239,033	779	62,198,267
3	56.9	2.7	67.6	434	41,486,639	182,955	15,696,971,002	763	61,382,064
4	59.5	2.9	64.8	408	35,751,814	146,153	12,548,038,807	685	55,151,546
5	57.7	3.2	60.4	318	26,806,845	105,169	9,073,692,426	551	44,386,656
6	61.4	3.9	64.7	242	20,822,019	67,772	5,912,792,504	394	32,162,753
7+	64.1	3.3	65.3	371	33,098,348	79,202	7,345,176,233	578	50,660,118
Total	52.7	1.1	57.1	2,382	209,483,715	1,024,712	88,468,389,818	4,516	366,988,872
By Issue Age
20-24	63.4	11.6	62.0	30	2,142,500	64,961	4,760,091,402	47	3,454,310
25-29	71.6	7.0	73.2	105	8,939,703	138,949	11,538,745,097	147	12,205,682
30-34	53.0	4.3	57.1	151	15,227,617	175,621	16,491,770,228	285	26,660,754
35-39	54.1	3.3	62.0	262	28,620,898	189,552	18,301,892,172	484	46,174,118
40-44	58.0	2.7	59.2	451	41,824,911	185,021	16,875,176,390	776	70,700,687
45-49	53.4	2.3	54.8	518	43,729,164	140,090	11,397,967,992	969	79,803,665
50-54	46.9	2.3	52.4	434	36,705,621	83,322	6,126,907,644	925	70,083,629
55-59	51.2	2.9	58.5	311	24,191,620	36,165	2,358,079,215	608	41,374,861
60+	43.9	4.0	49.0	121	8,101,681	11,031	617,759,679	276	16,531,167
Total	52.7	1.1	57.1	2,382	209,483,715	1,024,712	88,468,389,818	4,516	366,988,872
By Attained Age
20-24	52.0	15.0	45.7	12	767,500	35,872	2,617,820,159	23	1,680,955
25-29	72.5	8.5	72.1	72	5,643,823	110,954	8,758,369,773	99	7,828,949
30-34	51.5	5.0	55.7	108	10,410,863	156,641	14,029,257,527	210	18,691,032
35-39	52.7	3.8	55.0	190	18,945,429	178,398	17,228,520,228	361	34,450,841
40-44	55.2	3.0	60.1	336	33,860,561	187,449	17,571,145,355	608	56,299,342
45-49	56.5	2.6	59.5	480	43,560,828	159,020	13,718,450,712	850	73,179,428
50-54	48.0	2.2	50.3	456	37,863,945	109,709	8,581,699,583	949	75,316,969
55-59	48.4	2.4	54.3	396	32,773,361	59,477	4,255,756,142	818	60,395,980
60-64	58.4	3.7	71.9	248	20,732,354	21,141	1,365,604,408	425	28,827,464
65+	48.1	5.3	47.7	83	4,925,051	6,052	341,765,930	173	10,317,911
Total	52.7	1.1	57.1	2,382	209,483,715	1,024,712	88,468,389,818	4,516	366,988,872

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 1.2 TOTAL EXPERIENCE -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	26.6	2.7	30.2	100	10,279,750	113,753	10,875,371,651	375	34,058,238
2	51.5	3.6	50.5	200	17,816,144	102,703	9,803,927,517	389	35,298,963
3	54.9	3.8	69.6	213	24,645,586	89,187	8,589,388,717	387	35,404,133
4	55.2	4.0	58.9	195	18,976,127	71,243	6,881,602,935	353	32,210,864
5	54.7	4.3	52.8	158	13,889,259	51,547	5,016,898,200	289	26,290,551
6	61.9	5.4	62.0	131	12,036,650	33,569	3,293,708,872	212	19,410,754
7+	60.3	4.3	59.9	200	19,368,500	40,586	4,220,364,400	331	32,334,289
Total	51.2	1.5	54.4	1,196	117,012,016	502,589	48,681,262,291	2,336	215,007,792
By Issue Age
20-24	60.2	17.4	64.8	12	1,000,000	30,328	2,347,005,889	20	1,543,631
25-29	79.7	11.5	74.4	48	3,957,296	66,031	5,777,360,223	60	5,321,194
30-34	39.2	5.7	44.8	48	5,672,371	87,607	8,959,997,319	122	12,675,048
35-39	50.2	4.8	58.1	107	13,512,935	94,991	10,275,833,575	214	23,275,559
40-44	52.1	3.7	52.9	194	20,772,394	92,149	9,652,996,369	373	39,254,622
45-49	51.2	3.2	49.8	255	23,525,784	68,233	6,411,553,444	499	47,209,693
50-54	49.3	3.1	54.2	257	24,585,372	40,477	3,501,601,484	521	45,326,666
55-59	55.7	3.9	63.3	203	17,952,325	17,682	1,375,708,666	364	28,378,033
60-64	45.7	5.9	51.3	59	5,145,147	4,274	329,817,044	129	10,029,270
65+	36.5	10.5	44.6	12	888,392	817	49,388,279	33	1,994,075
Total	51.2	1.5	54.4	1,196	117,012,016	502,589	48,681,262,291	2,336	215,007,792
By Attained Age
20-24	49.9	22.3	45.1	5	350,000	16,802	1,294,936,801	10	775,248
25-29	79.1	14.0	75.8	32	2,567,296	51,911	4,316,799,966	40	3,387,492
30-34	49.7	7.5	55.0	44	4,722,371	77,017	7,405,943,012	88	8,581,337
35-39	46.4	5.5	44.2	72	7,370,106	89,454	9,555,544,207	155	16,686,779
40-44	49.4	4.2	57.4	137	17,007,680	93,628	10,005,594,130	277	29,625,879
45-49	50.1	3.5	49.3	209	20,350,551	78,284	7,755,426,865	418	41,307,465
50-54	45.3	3.0	47.7	228	21,961,412	52,988	4,834,729,843	504	46,003,518
55-59	53.0	3.3	57.5	254	23,393,329	29,189	2,486,166,108	479	40,675,696
60-64	62.7	4.9	76.9	163	15,723,120	10,444	817,614,705	260	20,454,250
65+	50.0	6.9	47.5	52	3,566,151	2,871	208,506,653	104	7,510,126
Total	51.2	1.5	54.4	1,196	117,012,016	502,589	48,681,262,291	2,336	215,007,792

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 1.3 TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	2.8	35.1	118	9,461,361	119,352	9,062,108,162	391	26,989,231
2	48.7	3.5	51.9	190	13,960,795	107,652	8,150,311,516	390	26,899,304
3	59.0	4.0	64.8	222	16,841,053	93,768	7,107,582,285	376	25,977,932
4	64.1	4.4	73.1	213	16,775,687	74,909	5,666,435,872	332	22,940,681
5	61.1	4.8	71.4	160	12,917,586	53,621	4,056,794,225	262	18,096,104
6	60.8	5.8	68.9	111	8,785,369	34,203	2,619,083,632	183	12,751,999
7+	69.2	5.3	74.9	171	13,729,848	38,617	3,124,811,833	247	18,325,829
Total	54.4	1.6	60.8	1,185	92,471,699	522,123	39,787,127,527	2,181	151,981,080
By Issue Age
20-24	65.7	15.5	59.8	18	1,142,500	34,633	2,413,085,512	27	1,910,679
25-29	65.9	8.7	72.4	57	4,982,407	72,919	5,761,384,874	86	6,884,488
30-34	63.3	6.2	68.3	103	9,555,246	88,014	7,531,772,909	163	13,985,706
35-39	57.1	4.6	66.0	154	15,107,963	94,562	8,026,058,597	270	22,898,558
40-44	63.5	4.0	66.9	256	21,052,517	92,872	7,222,180,021	403	31,446,065
45-49	55.8	3.4	62.0	262	20,203,380	71,857	4,986,414,548	470	32,593,972
50-54	43.7	3.3	49.0	176	12,120,249	42,845	2,625,306,160	404	24,756,963
55-59	44.4	4.3	48.0	108	6,239,295	18,482	982,370,549	244	12,996,828
60+	44.0	6.2	45.9	50	2,068,142	5,940	238,554,356	114	4,507,822
Total	54.4	1.6	60.8	1,185	92,471,699	522,123	39,787,127,527	2,181	151,981,080
By Attained Age
20-24	53.6	20.2	46.1	7	417,500	19,070	1,322,883,358	13	905,708
25-29	68.0	10.8	69.3	40	3,076,527	59,043	4,441,569,807	59	4,441,458
30-34	52.8	6.6	56.3	64	5,688,492	79,624	6,623,314,515	121	10,109,694
35-39	57.4	5.3	65.2	118	11,575,323	88,944	7,672,976,021	206	17,764,062
40-44	60.1	4.3	63.2	199	16,852,881	93,820	7,565,551,225	331	26,673,464
45-49	62.7	3.8	72.8	271	23,210,277	80,736	5,963,023,847	432	31,871,963
50-54	51.1	3.4	54.2	227	15,902,533	56,720	3,746,969,741	445	29,313,451
55-59	41.9	3.5	47.6	142	9,380,032	30,288	1,769,590,033	339	19,720,283
60-64	51.6	5.6	59.8	85	5,009,234	10,696	547,989,703	165	8,373,213
65+	45.2	8.1	48.4	31	1,358,900	3,181	133,259,277	69	2,807,785
Total	54.4	1.6	60.8	1,185	92,471,699	522,123	39,787,127,527	2,181	151,981,080

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.1 TOTAL EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	7.1	50.0	29	2,071,750	29,554	1,820,959,034	77	4,146,700
2	70.6	9.9	76.2	51	2,970,000	24,754	1,503,374,582	73	3,899,180
3	103.2	12.4	128.6	69	4,715,073	20,463	1,251,322,650	67	3,667,163
4	86.4	12.3	71.3	49	2,260,056	15,464	953,375,853	57	3,168,152
5	82.7	13.8	95.5	36	2,345,480	10,646	663,691,296	44	2,457,270
6	98.3	17.9	79.5	30	1,412,628	6,668	424,524,623	31	1,777,675
7+	98.0	14.8	94.9	44	2,790,070	7,326	526,015,531	45	2,940,515
Total	78.8	4.5	84.2	309	18,565,057	114,875	7,143,263,569	392	22,056,655
By Issue Age
20-24	79.4	30.0	72.5	7	375,000	12,304	727,696,739	9	517,481
25-29	83.0	20.1	95.2	17	1,270,880	20,446	1,347,455,181	20	1,335,481
30-34	52.8	12.8	49.3	17	1,112,870	20,502	1,448,570,405	32	2,256,298
35-39	75.4	12.1	74.9	39	2,575,524	20,805	1,392,545,791	52	3,438,715
40-44	85.8	10.5	102.7	67	4,894,565	19,123	1,160,397,020	78	4,766,229
45-49	92.2	10.3	106.8	80	5,044,008	12,954	689,322,172	87	4,723,913
50-54	59.5	9.5	55.1	39	1,684,460	6,077	272,779,250	66	3,054,615
55-59	91.2	16.0	79.4	32	1,215,850	2,144	87,476,640	35	1,531,671
60-64	74.3	26.3	79.9	8	306,900	470	15,493,572	11	383,909
65+	125.2	88.6	175.8	2	85,000	48	1,526,799	2	48,343
Total	78.8	4.5	84.2	309	18,565,057	114,875	7,143,263,569	392	22,056,655
By Attained Age
20-24	44.5	31.5	19.0	2	50,000	7,047	414,410,829	4	262,829
25-29	74.7	21.6	102.6	12	1,040,000	18,528	1,175,499,715	16	1,013,289
30-34	72.1	17.0	64.4	18	1,078,750	19,280	1,314,166,253	25	1,675,882
35-39	65.9	12.9	53.6	26	1,429,000	19,940	1,371,572,231	39	2,666,840
40-44	71.2	10.5	74.7	46	3,028,693	20,226	1,288,853,870	65	4,052,436
45-49	98.8	10.9	128.7	82	6,123,404	15,690	898,981,691	83	4,756,382
50-54	63.2	9.0	77.0	49	3,023,000	9,007	450,503,257	77	3,923,809
55-59	77.6	12.2	60.7	40	1,515,710	3,803	176,294,066	52	2,497,085
60-64	113.5	22.7	93.8	25	864,600	1,092	43,468,157	22	922,061
65+	108.0	38.2	144.0	8	411,900	262	9,513,501	7	286,041
Total	78.8	4.5	84.2	309	18,565,057	114,875	7,143,263,569	392	22,056,655

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.2 TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	43.0	10.3	55.5	17	1,343,750	16,558	1,118,793,997	40	2,423,319
2	84.3	14.9	92.6	32	2,105,000	13,640	911,999,491	38	2,273,253
3	105.4	17.3	104.7	37	2,271,073	11,171	761,404,684	35	2,168,227
4	86.6	17.0	83.0	26	1,574,531	8,406	579,069,582	30	1,896,396
5	68.9	17.2	84.2	16	1,254,600	5,758	404,813,303	23	1,489,579
6	88.6	22.9	62.7	15	698,500	3,641	261,816,988	17	1,114,912
7+	89.6	18.3	94.0	24	1,849,000	4,114	334,208,743	27	1,966,467
Total	79.5	6.1	83.2	168	11,096,454	63,287	4,372,106,788	211	13,332,152
By Issue Age
20-24	69.2	39.9	82.8	3	225,000	6,572	415,073,233	4	271,775
25-29	67.5	25.5	47.3	7	350,000	11,665	827,599,333	10	740,468
30-34	42.8	16.2	48.4	7	625,000	11,883	925,055,325	16	1,291,146
35-39	88.1	18.4	81.0	23	1,602,000	11,760	876,774,896	26	1,977,028
40-44	88.6	14.8	93.3	36	2,604,565	10,394	701,625,930	41	2,790,791
45-49	96.1	14.3	116.1	45	3,391,008	6,709	407,781,280	47	2,921,539
50-54	60.9	12.7	58.4	23	1,168,031	3,048	158,477,642	38	2,000,490
55-59	91.1	20.7	86.7	19	920,850	1,040	50,956,847	21	1,062,251
60-64	54.6	31.5	76.8	3	185,000	179	7,802,719	5	240,789
65+	76.4	76.4	69.7	1	25,000	36	959,582	1	35,874
Total	79.5	6.1	83.2	168	11,096,454	63,287	4,372,106,788	211	13,332,152
By Attained Age
20-24	45.4	45.4	17.7	1	25,000	3,699	236,029,984	2	140,869
25-29	74.4	30.4	69.0	6	375,000	10,412	698,247,581	8	543,569
30-34	70.6	23.5	62.8	9	600,000	11,196	836,316,275	13	955,494
35-39	61.2	17.7	47.5	12	707,000	11,359	861,711,314	20	1,489,436
40-44	72.6	14.8	81.7	24	1,929,565	11,263	807,672,992	33	2,362,689
45-49	114.4	16.2	136.1	50	3,828,008	8,288	532,622,861	44	2,813,013
50-54	56.7	11.6	67.8	24	1,668,000	4,513	262,571,038	42	2,459,716
55-59	76.4	15.8	61.8	23	1,044,281	1,877	103,818,906	31	1,690,740
60-64	102.3	27.3	97.4	14	659,600	554	27,610,219	14	677,065
65+	88.0	44.0	130.3	4	260,000	127	5,505,619	5	199,561
Total	79.5	6.1	83.2	168	11,096,454	63,287	4,372,106,788	211	13,332,152

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.3 TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	33.0	9.5	42.2	12	728,000	12,996	702,165,037	36	1,723,381
2	55.5	12.7	53.2	19	865,000	11,114	591,375,092	34	1,625,927
3	100.8	17.8	163.0	32	2,444,000	9,292	489,917,966	32	1,498,936
4	86.3	18.0	53.9	23	685,525	7,058	374,306,271	27	1,271,757
5	98.6	22.0	112.7	20	1,090,880	4,888	258,877,993	20	967,691
6	110.3	28.5	107.8	15	714,128	3,027	162,707,635	14	662,763
7+	110.5	24.7	96.6	20	941,070	3,212	191,806,788	18	974,048
Total	77.9	6.6	85.6	141	7,468,603	51,588	2,771,156,781	181	8,724,503
By Issue Age
20-24	89.2	44.6	61.0	4	150,000	5,733	312,623,507	4	245,705
25-29	99.0	31.3	154.8	10	920,880	8,781	519,855,849	10	595,013
30-34	63.1	20.0	50.5	10	487,870	8,619	523,515,080	16	965,152
35-39	62.4	15.6	66.6	16	973,524	9,046	515,770,894	26	1,461,688
40-44	82.7	14.9	115.9	31	2,290,000	8,729	458,771,090	37	1,975,437
45-49	87.5	14.8	91.7	35	1,653,000	6,245	281,540,892	40	1,802,374
50-54	57.6	14.4	49.0	16	516,429	3,029	114,301,608	28	1,054,126
55-59	91.3	25.3	62.8	13	295,000	1,104	36,519,793	14	469,420
60-64	94.9	42.4	85.2	5	121,900	290	7,690,852	5	143,120
65+	347.8	347.8	481.2	1	60,000	12	567,218	0	12,469
Total	77.9	6.6	85.6	141	7,468,603	51,588	2,771,156,781	181	8,724,503
By Attained Age
20-24	43.7	43.7	20.5	1	25,000	3,348	178,380,846	2	121,960
25-29	75.0	30.6	141.6	6	665,000	8,116	477,252,134	8	469,721
30-34	73.7	24.6	66.5	9	478,750	8,084	477,849,978	12	720,388
35-39	70.5	18.8	61.3	14	722,000	8,582	509,860,917	20	1,177,404
40-44	69.7	14.9	65.0	22	1,099,128	8,963	481,180,878	32	1,689,747
45-49	81.3	14.4	118.1	32	2,295,396	7,402	366,358,830	39	1,943,369
50-54	71.1	14.2	92.5	25	1,355,000	4,494	187,932,219	35	1,464,093
55-59	79.3	19.2	58.5	17	471,429	1,926	72,475,160	21	806,344
60-64	132.0	39.8	83.7	11	205,000	538	15,857,938	8	244,996
65+	139.8	69.9	175.6	4	151,900	135	4,007,882	3	86,480
Total	77.9	6.6	85.6	141	7,468,603	51,588	2,771,156,781	181	8,724,503

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.4 TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	27.4	2.0	31.1	189	17,669,361	203,551	18,116,520,779	689	56,900,768
2	48.0	2.6	49.4	339	28,806,939	185,601	16,450,864,451	707	58,299,087
3	52.5	2.7	63.7	365	36,771,566	162,493	14,445,648,352	696	57,714,902
4	57.1	3.0	64.4	359	33,491,758	130,688	11,594,662,955	628	51,983,393
5	55.6	3.3	58.3	282	24,461,365	94,523	8,410,001,130	508	41,929,385
6	58.3	4.0	63.9	212	19,409,391	61,103	5,488,267,881	364	30,385,078
7+	61.3	3.4	63.5	327	30,308,278	71,877	6,819,160,702	533	47,719,603
Total	50.3	1.1	55.3	2,073	190,918,658	909,837	81,325,126,249	4,125	344,932,217
By Issue Age
20-24	59.7	12.5	60.2	23	1,767,500	52,657	4,032,394,662	39	2,936,830
25-29	69.7	7.4	70.5	88	7,668,823	118,503	10,191,289,916	126	10,870,201
30-34	53.0	4.6	57.8	134	14,114,747	155,118	15,043,199,822	253	24,404,455
35-39	51.5	3.5	60.9	223	26,045,374	168,747	16,909,346,381	432	42,735,403
40-44	54.9	2.8	56.0	384	36,930,346	165,898	15,714,779,370	698	65,934,458
45-49	49.6	2.4	51.5	437	38,685,156	127,136	10,708,645,820	882	75,079,751
50-54	45.9	2.3	52.2	395	35,021,161	77,244	5,854,128,394	859	67,029,013
55-59	48.7	2.9	57.7	279	22,975,770	34,020	2,270,602,575	573	39,843,190
60+	42.2	4.0	47.9	111	7,709,781	10,513	600,739,308	263	16,098,915
Total	50.3	1.1	55.3	2,073	190,918,658	909,837	81,325,126,249	4,125	344,932,217
By Attained Age
20-24	53.8	17.0	50.6	10	717,500	28,825	2,203,409,330	19	1,418,126
25-29	72.1	9.3	67.5	60	4,603,823	92,426	7,582,870,058	83	6,815,660
30-34	48.7	5.1	54.8	90	9,332,113	137,360	12,715,091,274	185	17,015,150
35-39	51.0	4.0	55.1	164	17,516,429	158,458	15,856,947,998	322	31,784,001
40-44	53.4	3.1	59.0	290	30,831,868	167,223	16,282,291,485	543	52,246,906
45-49	51.9	2.6	54.7	398	37,437,424	143,330	12,819,469,022	767	68,423,046
50-54	46.7	2.3	48.8	407	34,840,945	100,702	8,131,196,326	872	71,393,160
55-59	46.4	2.5	54.0	356	31,257,651	55,674	4,079,462,076	766	57,898,895
60-64	55.4	3.7	71.2	223	19,867,754	20,049	1,322,136,251	403	27,905,402
65+	45.4	5.2	45.0	75	4,513,151	5,790	332,252,430	165	10,031,870
Total	50.3	1.1	55.3	2,073	190,918,658	909,837	81,325,126,249	4,125	344,932,217

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	24.6	2.7	28.2	82	8,936,000	97,195	9,756,577,654	335	31,634,919
2	48.0	3.7	47.6	168	15,711,144	89,063	8,891,928,027	351	33,025,710
3	49.9	3.8	67.3	175	22,374,513	78,017	7,827,984,032	352	33,235,906
4	52.2	4.0	57.4	169	17,401,596	62,837	6,302,533,353	323	30,314,469
5	53.4	4.5	50.9	142	12,634,659	45,790	4,612,084,897	266	24,800,972
6	59.6	5.5	62.0	116	11,338,150	29,928	3,031,891,884	195	18,295,842
7+	57.8	4.4	57.7	176	17,519,500	36,472	3,886,155,656	305	30,367,823
Total	48.4	1.5	52.5	1,029	105,915,562	439,302	44,309,155,503	2,125	201,675,640
By Issue Age
20-24	57.7	19.2	60.9	9	775,000	23,757	1,931,932,657	16	1,271,856
25-29	82.2	12.8	78.7	41	3,607,296	54,365	4,949,760,890	50	4,580,726
30-34	38.7	6.0	44.3	41	5,047,371	75,724	8,034,941,994	106	11,383,902
35-39	44.9	4.9	55.9	84	11,910,935	83,231	9,399,058,678	188	21,298,532
40-44	47.7	3.8	49.8	158	18,167,829	81,754	8,951,370,439	332	36,463,831
45-49	46.5	3.2	45.5	210	20,134,776	61,524	6,003,772,163	452	44,288,153
50-54	48.4	3.2	54.0	234	23,417,341	37,429	3,343,123,841	484	43,326,176
55-59	53.5	3.9	62.4	184	17,031,475	16,642	1,324,751,819	343	27,315,782
60-64	45.3	6.1	50.7	56	4,960,147	4,095	322,014,325	124	9,788,482
65+	34.8	10.5	44.1	11	863,392	780	48,428,697	32	1,958,201
Total	48.4	1.5	52.5	1,029	105,915,562	439,302	44,309,155,503	2,125	201,675,640
By Attained Age
20-24	51.1	25.6	51.2	4	325,000	13,103	1,058,906,818	8	634,378
25-29	80.2	15.7	77.1	26	2,192,296	41,499	3,618,552,385	32	2,843,923
30-34	46.2	7.8	54.1	35	4,122,371	65,820	6,569,626,737	76	7,625,844
35-39	44.3	5.7	43.8	60	6,663,106	78,095	8,693,832,893	136	15,197,343
40-44	46.2	4.4	55.3	113	15,078,115	82,366	9,197,921,139	244	27,263,190
45-49	42.6	3.4	42.9	159	16,522,543	69,996	7,222,804,005	374	38,494,453
50-54	44.3	3.1	46.6	204	20,293,412	48,476	4,572,158,804	462	43,543,802
55-59	51.4	3.4	57.3	230	22,349,048	27,312	2,382,347,203	448	38,984,956
60-64	60.5	5.0	76.2	149	15,063,520	9,890	790,004,486	247	19,777,186
65+	48.2	7.0	45.2	48	3,306,151	2,745	203,001,035	100	7,310,565
Total	48.4	1.5	52.5	1,029	105,915,562	439,302	44,309,155,503	2,125	201,675,640

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 2.6 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	2.9	34.6	106	8,733,361	106,356	8,359,943,126	354	25,265,850
2	48.1	3.7	51.8	171	13,095,795	96,539	7,558,936,424	356	25,273,378
3	55.1	4.0	58.8	190	14,397,053	84,476	6,617,664,320	344	24,478,996
4	62.2	4.5	74.3	190	16,090,162	67,851	5,292,129,601	306	21,668,925
5	58.0	4.9	69.0	140	11,826,706	48,733	3,797,916,233	242	17,128,413
6	56.8	5.8	66.8	96	8,071,241	31,176	2,456,375,997	169	12,089,236
7+	66.0	5.4	73.7	151	12,788,778	35,405	2,933,005,046	229	17,351,781
Total	52.2	1.6	59.3	1,044	85,003,096	470,535	37,015,970,746	2,000	143,256,578
By Issue Age
20-24	61.1	16.3	59.6	14	992,500	28,900	2,100,462,006	23	1,664,974
25-29	61.6	9.0	64.6	47	4,061,527	64,138	5,241,529,025	76	6,289,476
30-34	63.4	6.6	69.6	93	9,067,376	79,395	7,008,257,829	147	13,020,554
35-39	56.6	4.8	65.9	138	14,134,439	85,516	7,510,287,703	244	21,436,871
40-44	61.6	4.1	63.7	225	18,762,517	84,144	6,763,408,931	366	29,470,628
45-49	52.8	3.5	60.2	227	18,550,380	65,612	4,704,873,657	430	30,791,598
50-54	42.7	3.4	49.0	160	11,603,820	39,816	2,511,004,552	376	23,702,837
55-59	41.5	4.3	47.5	95	5,944,295	17,378	945,850,757	230	12,527,408
60+	40.8	6.1	43.3	44	1,886,242	5,638	230,296,286	108	4,352,233
Total	52.2	1.6	59.3	1,044	85,003,096	470,535	37,015,970,746	2,000	143,256,578
By Attained Age
20-24	55.6	22.7	50.1	6	392,500	15,722	1,144,502,512	11	783,748
25-29	66.9	11.5	60.7	34	2,411,527	50,927	3,964,317,673	51	3,971,737
30-34	50.4	6.8	55.5	55	5,209,742	71,540	6,145,464,537	109	9,389,307
35-39	56.0	5.5	65.4	104	10,853,323	80,362	7,163,115,104	186	16,586,658
40-44	59.1	4.4	63.1	177	15,753,753	84,857	7,084,370,346	300	24,983,716
45-49	60.8	3.9	69.9	239	20,914,881	73,334	5,596,665,017	393	29,928,594
50-54	49.4	3.5	52.2	202	14,547,533	52,226	3,559,037,522	410	27,849,358
55-59	39.4	3.5	47.1	125	8,908,603	28,362	1,697,114,873	318	18,913,939
60-64	47.4	5.5	59.1	74	4,804,234	10,159	532,131,765	157	8,128,217
65+	41.1	7.9	44.4	27	1,207,000	3,046	129,251,395	66	2,721,305
Total	52.2	1.6	59.3	1,044	85,003,096	470,535	37,015,970,746	2,000	143,256,578

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	17.5	2.7	17.9	43	985,111	58,291	1,334,379,345	244	5,496,167
2	41.6	4.1	45.3	102	2,530,373	52,658	1,215,494,358	245	5,580,914
3	50.7	4.6	53.0	120	2,895,845	45,551	1,059,629,390	238	5,465,651
4	55.5	5.2	55.5	115	2,674,685	35,711	835,613,204	208	4,820,971
5	48.3	5.5	49.4	78	1,872,300	24,866	587,513,348	161	3,791,131
6	64.8	7.7	67.5	71	1,754,749	15,155	361,321,891	110	2,598,123
7+	53.6	6.6	55.4	66	1,694,174	13,440	332,083,230	123	3,058,689
Total	44.8	1.8	46.8	596	14,407,237	245,671	5,726,034,768	1,329	30,811,645
By Issue Age
20-24	65.7	21.9	89.0	9	250,000	18,844	386,237,662	14	281,035
25-29	70.4	15.0	74.8	22	520,000	29,834	665,244,700	31	694,947
30-34	45.3	9.4	51.3	23	605,000	31,414	727,941,478	51	1,178,560
35-39	44.9	7.2	50.8	39	1,086,331	34,494	839,053,549	87	2,136,364
40-44	51.1	5.5	54.5	86	2,250,715	40,652	992,318,647	168	4,127,555
45-49	46.3	4.2	47.3	123	3,088,809	39,598	965,759,649	267	6,528,903
50-54	38.2	3.5	37.4	118	2,742,380	28,930	682,661,107	309	7,329,695
55-59	45.5	4.2	47.7	116	2,642,221	15,800	342,994,714	254	5,534,295
60+	40.1	5.2	40.7	59	1,221,781	6,105	123,823,262	147	3,000,290
Total	44.8	1.8	46.8	596	14,407,237	245,671	5,726,034,768	1,329	30,811,645
By Attained Age
20-24	71.7	32.1	88.2	5	125,000	10,825	219,072,381	7	141,704
25-29	67.0	16.8	77.5	16	405,000	26,672	583,311,746	24	522,432
30-34	37.1	9.6	37.9	15	350,000	29,969	682,927,154	40	922,756
35-39	48.5	8.6	60.4	32	953,000	32,154	765,907,061	66	1,577,529
40-44	54.9	6.6	57.0	69	1,752,180	38,251	930,368,780	126	3,074,662
45-49	45.0	4.6	46.5	97	2,442,751	40,090	975,113,967	216	5,256,516
50-54	40.2	3.7	42.1	115	2,897,044	33,415	802,338,291	287	6,879,385
55-59	38.7	3.6	38.1	114	2,558,956	21,840	500,671,372	294	6,709,021
60-64	50.8	5.3	51.6	92	2,028,155	9,311	201,593,816	181	3,929,571
65+	45.8	7.2	49.8	40	895,151	3,145	64,730,201	87	1,798,067
Total	44.8	1.8	46.8	596	14,407,237	245,671	5,726,034,768	1,329	30,811,645

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	34.2	3.9	34.8	78	4,273,500	69,485	3,770,979,173	229	12,267,661
2	51.0	4.7	51.0	119	6,414,957	62,412	3,399,493,574	234	12,582,730
3	51.9	4.8	51.0	119	6,318,940	54,160	2,959,659,669	230	12,382,233
4	59.0	5.3	58.5	125	6,709,244	44,403	2,430,867,233	212	11,464,797
5	57.1	5.7	56.2	100	5,332,127	32,821	1,798,015,534	175	9,482,653
6	55.3	6.6	55.5	71	3,853,853	21,528	1,178,520,936	128	6,945,427
7+	65.8	5.7	66.5	135	7,341,719	27,333	1,486,544,745	205	11,033,286
Total	52.9	1.9	52.8	748	40,244,340	312,140	17,024,080,864	1,413	76,158,788
By Issue Age
20-24	46.3	18.9	46.0	6	325,000	17,664	964,854,356	13	707,062
25-29	71.4	13.0	75.7	30	1,753,823	39,821	2,199,355,016	42	2,318,286
30-34	43.7	7.4	44.7	35	1,977,875	48,955	2,706,926,007	80	4,422,798
35-39	52.7	5.9	53.0	79	4,393,234	57,587	3,181,010,896	150	8,296,432
40-44	57.7	4.7	57.7	148	8,055,592	60,665	3,299,316,125	257	13,957,648
45-49	58.5	4.2	57.9	192	10,195,803	47,194	2,536,244,544	328	17,618,039
50-54	44.8	3.9	44.4	135	7,104,036	27,223	1,446,013,826	301	16,017,333
55-59	53.8	5.5	53.5	94	4,984,077	10,348	548,424,111	176	9,316,917
60-64	46.7	9.1	45.8	26	1,344,900	2,370	125,144,783	56	2,938,494
65+	19.1	13.5	19.4	2	110,000	314	16,791,201	10	565,779
Total	52.9	1.9	52.8	748	40,244,340	312,140	17,024,080,864	1,413	76,158,788
By Attained Age
20-24	33.0	23.3	30.2	2	100,000	9,385	514,236,545	6	331,635
25-29	73.6	16.1	80.2	21	1,253,823	31,839	1,747,066,561	29	1,562,803
30-34	50.8	9.3	50.9	30	1,660,241	44,043	2,434,381,246	59	3,259,254
35-39	40.3	6.2	41.3	42	2,376,096	51,035	2,818,548,456	104	5,756,870
40-44	52.2	5.2	52.3	101	5,569,527	59,449	3,261,655,938	194	10,647,585
45-49	62.4	4.7	62.0	176	9,467,327	52,865	2,865,126,245	282	15,268,690
50-54	48.3	3.9	47.9	153	8,118,349	36,968	1,974,220,490	317	16,933,507
55-59	53.3	4.6	52.3	136	7,110,000	18,851	1,000,886,124	256	13,589,899
60-64	55.2	6.7	55.1	67	3,559,077	6,126	324,460,285	122	6,459,548
65+	42.8	9.8	43.8	19	1,029,900	1,580	83,498,974	44	2,348,996
Total	52.9	1.9	52.8	748	40,244,340	312,140	17,024,080,864	1,413	76,158,788

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	3.5	31.9	80	9,232,500	93,472	10,618,553,035	253	28,977,056
2	58.8	4.8	56.9	153	16,944,942	84,788	9,645,387,748	260	29,779,809
3	64.2	5.0	64.8	165	19,055,000	74,007	8,446,061,030	257	29,397,577
4	61.6	5.2	60.9	142	16,117,885	58,668	6,708,410,901	231	26,483,392
5	66.3	5.9	68.0	124	14,577,418	42,121	4,817,633,239	187	21,450,131
6	63.1	6.8	59.4	86	9,313,417	27,573	3,162,502,260	136	15,676,201
7+	68.5	5.6	70.7	149	17,762,455	33,701	3,880,112,145	218	25,107,964
Total	58.3	1.9	58.2	899	103,003,617	414,329	47,278,660,360	1,542	176,872,132
By Issue Age
20-24	76.4	19.7	72.2	15	1,567,500	27,003	2,986,298,302	20	2,170,663
25-29	72.8	10.3	72.5	50	5,565,880	64,859	7,252,319,772	69	7,682,132
30-34	59.9	6.6	62.6	83	9,894,742	85,496	9,744,349,472	139	15,807,973
35-39	57.4	5.2	58.8	123	14,511,333	84,668	9,756,756,172	215	24,698,991
40-44	61.3	4.5	60.6	185	21,236,750	72,060	8,348,483,914	302	35,025,072
45-49	55.7	4.2	56.8	180	21,077,885	46,128	5,294,215,785	323	37,125,616
50-54	56.6	4.6	55.4	154	17,409,205	23,662	2,717,385,948	273	31,400,058
55-59	52.7	5.9	50.1	80	8,665,322	8,598	972,384,372	152	17,279,453
60-64	54.7	11.4	54.6	23	2,575,000	1,603	178,500,705	42	4,718,707
65+	58.4	26.1	51.9	5	500,000	252	27,965,919	9	963,467
Total	58.3	1.9	58.2	899	103,003,617	414,329	47,278,660,360	1,542	176,872,132
By Attained Age
20-24	52.5	23.5	51.4	5	542,500	14,820	1,643,215,510	10	1,056,020
25-29	76.8	13.2	73.9	34	3,635,000	49,478	5,495,105,389	44	4,916,908
30-34	55.5	7.4	56.1	56	6,400,622	75,512	8,536,795,467	101	11,401,773
35-39	61.9	6.1	63.8	104	12,286,333	83,626	9,594,971,618	168	19,269,630
40-44	57.0	4.8	57.3	142	16,507,000	77,554	8,978,930,960	249	28,823,986
45-49	59.2	4.4	58.6	179	20,460,750	56,865	6,562,478,824	303	34,936,414
50-54	55.2	4.3	55.8	164	19,121,885	34,104	3,921,856,885	298	34,291,497
55-59	52.4	4.8	52.2	121	13,854,405	16,330	1,863,685,654	231	26,527,231
60-64	68.5	8.1	65.5	71	7,695,122	4,903	554,487,102	104	11,749,928
65+	63.6	13.6	64.1	22	2,500,000	1,138	127,132,950	35	3,898,744
Total	58.3	1.9	58.2	899	103,003,617	414,329	47,278,660,360	1,542	176,872,132

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	43.1	10.5	36.7	17	5,250,000	11,858	4,213,568,259	39	14,306,584
2	40.6	10.1	41.3	16	5,886,667	10,498	3,693,863,353	40	14,254,814
3	76.3	13.9	93.5	30	13,216,854	9,237	3,231,620,913	39	14,136,603
4	72.7	14.5	82.8	25	10,250,000	7,371	2,573,147,468	34	12,382,385
5	59.1	14.8	52.0	16	5,025,000	5,361	1,870,530,305	27	9,662,741
6	70.2	18.8	85.0	14	5,900,000	3,517	1,210,447,416	20	6,943,002
7+	64.8	14.1	55.0	21	6,300,000	4,729	1,646,436,112	32	11,460,178
Total	59.9	5.1	62.3	139	51,828,521	52,571	18,439,613,826	232	83,146,308
By Issue Age
20-24	0.0	0.0	0.0	0	0	1,450	422,701,082	1	295,550
25-29	63.7	36.8	72.8	3	1,100,000	4,435	1,421,825,609	5	1,510,316
30-34	64.4	20.4	52.4	10	2,750,000	9,755	3,312,553,270	16	5,251,423
35-39	63.6	14.2	78.2	20	8,630,000	12,804	4,525,071,554	31	11,042,331
40-44	63.8	11.5	58.5	31	10,281,854	11,645	4,235,057,705	49	17,590,412
45-49	43.3	9.2	50.5	22	9,366,667	7,170	2,601,748,015	51	18,531,107
50-54	62.1	12.2	61.6	26	9,450,000	3,507	1,280,846,763	42	15,336,542
55-59	79.6	17.4	85.5	21	7,900,000	1,419	494,276,019	26	9,244,196
60-64	49.2	22.0	55.0	5	2,100,000	350	132,112,224	10	3,816,999
65+	70.4	70.4	47.4	1	250,000	36	13,421,586	1	527,432
Total	59.9	5.1	62.3	139	51,828,521	52,571	18,439,613,826	232	83,146,308
By Attained Age
20-24	0.0	0.0	0.0	0	0	843	241,295,723	1	151,596
25-29	38.1	38.1	42.3	1	350,000	2,965	932,886,076	3	826,806
30-34	75.0	28.3	64.4	7	2,000,000	7,118	2,375,153,660	9	3,107,248
35-39	53.2	15.4	42.4	12	3,330,000	11,583	4,049,093,094	23	7,846,812
40-44	60.2	12.5	72.9	23	10,031,854	12,195	4,400,189,677	38	13,753,109
45-49	57.0	10.8	63.2	28	11,190,000	9,200	3,315,731,677	49	17,717,808
50-54	48.6	10.1	44.9	23	7,726,667	5,222	1,883,283,917	47	17,212,581
55-59	67.1	13.4	68.2	25	9,250,000	2,455	890,512,992	37	13,569,828
60+	80.1	17.9	88.7	20	7,950,000	990	351,467,011	25	8,960,520
Total	59.9	5.1	62.3	139	51,828,521	52,571	18,439,613,826	232	83,146,308

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	4.3	20.1	21	483,750	25,096	571,822,130	107	2,408,218
2	42.2	6.2	49.1	46	1,215,574	22,537	517,246,899	109	2,474,643
3	45.7	6.5	50.0	49	1,231,916	19,332	447,439,518	108	2,463,992
4	47.3	7.0	48.7	45	1,075,156	15,195	353,621,617	96	2,208,053
5	48.8	8.0	48.7	37	862,121	10,623	249,417,074	76	1,769,116
6	70.5	11.6	75.5	37	932,258	6,561	155,218,937	52	1,235,226
7+	55.0	9.3	62.9	35	990,500	6,107	149,426,173	64	1,575,609
Total	44.3	2.7	48.0	271	6,791,275	105,452	2,444,192,347	612	14,134,858
By Issue Age
20-24	56.0	32.3	92.4	3	100,000	8,202	166,311,216	5	108,272
25-29	92.5	27.9	104.3	11	275,000	13,263	295,787,657	12	263,588
30-34	15.6	9.0	16.9	3	75,000	14,068	323,197,096	19	442,721
35-39	60.5	13.4	70.0	20	566,581	15,318	369,196,653	33	809,914
40-44	42.4	7.9	45.1	29	752,911	17,303	419,965,340	68	1,670,946
45-49	51.8	6.6	56.9	61	1,631,732	16,670	402,394,450	118	2,868,914
50-54	35.0	4.8	36.4	52	1,282,131	11,809	276,547,368	149	3,521,325
55-59	47.6	6.0	52.5	62	1,512,381	6,458	141,198,351	131	2,878,857
60+	38.7	7.2	37.9	29	595,539	2,361	49,594,215	75	1,570,320
Total	44.3	2.7	48.0	271	6,791,275	105,452	2,444,192,347	612	14,134,858
By Attained Age
20-24	71.5	50.6	89.2	2	50,000	4,728	94,340,290	3	56,023
25-29	77.4	29.3	106.0	7	210,000	11,723	256,423,487	9	198,186
30-34	32.9	14.7	29.1	5	100,000	13,401	302,536,772	15	344,037
35-39	48.6	14.0	64.1	12	377,000	14,312	339,636,232	25	588,250
40-44	45.7	9.7	48.7	22	571,492	16,492	396,088,120	49	1,173,758
45-49	47.0	7.1	49.1	43	1,097,008	17,099	415,314,275	92	2,234,738
50-54	40.6	5.6	45.9	53	1,425,324	13,709	324,383,397	131	3,102,983
55-59	36.9	5.0	38.2	54	1,288,924	8,932	204,879,443	147	3,374,705
60-64	53.2	7.4	57.6	51	1,218,376	3,831	84,770,446	96	2,116,988
65+	46.6	10.2	47.9	21	453,151	1,225	25,819,884	45	945,189
Total	44.3	2.7	48.0	271	6,791,275	105,452	2,444,192,347	612	14,134,858

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	27.1	5.0	28.3	29	1,631,000	32,221	1,762,699,460	107	5,773,347
2	49.2	6.6	47.5	55	2,878,703	29,005	1,591,851,861	112	6,060,017
3	47.5	6.5	47.2	53	2,849,816	25,075	1,378,917,976	112	6,039,387
4	58.8	7.5	57.5	61	3,243,086	20,371	1,120,929,723	104	5,638,549
5	57.5	8.1	57.0	50	2,685,600	15,006	825,338,323	87	4,711,896
6	59.9	9.6	60.0	39	2,116,725	9,868	542,094,923	65	3,529,369
7+	56.8	7.3	56.5	61	3,283,000	12,557	685,474,353	107	5,809,436
Total	50.2	2.7	49.8	348	18,687,930	144,104	7,907,306,619	694	37,562,001
By Issue Age
20-24	18.9	18.9	17.3	1	50,000	8,022	440,192,172	5	289,612
25-29	60.4	19.1	62.2	10	572,296	18,222	1,014,750,488	17	920,522
30-34	25.1	8.9	23.3	8	412,371	22,950	1,275,408,309	32	1,767,798
35-39	36.7	7.8	35.3	22	1,173,021	26,342	1,462,350,068	60	3,326,620
40-44	49.7	6.6	49.6	56	3,061,629	27,776	1,521,497,384	113	6,178,601
45-49	52.5	5.7	51.9	84	4,474,500	21,812	1,176,882,451	160	8,628,367
50-54	50.1	5.5	50.5	82	4,439,036	12,711	681,940,876	164	8,792,513
55-59	66.5	7.9	65.8	70	3,717,077	5,084	271,473,480	106	5,646,875
60-64	48.8	12.6	48.8	15	788,000	1,009	53,097,415	31	1,616,289
65+	0.0	0.0	0.0	0	0	176	9,713,975	7	394,805
Total	50.2	2.7	49.8	348	18,687,930	144,104	7,907,306,619	694	37,562,001
By Attained Age
20-24	39.0	39.0	35.4	1	50,000	4,297	236,614,643	3	141,241
25-29	63.0	23.8	64.7	7	397,296	14,308	791,780,306	11	614,028
30-34	34.0	12.0	33.4	8	437,371	20,643	1,149,848,732	24	1,310,965
35-39	31.6	8.8	28.9	13	659,773	23,739	1,317,850,465	41	2,279,475
40-44	36.1	6.7	36.3	29	1,612,334	27,267	1,502,565,434	81	4,437,121
45-49	56.3	6.6	55.8	73	3,933,543	24,297	1,324,197,454	130	7,053,774
50-54	40.5	5.0	40.8	65	3,512,536	16,955	909,654,889	161	8,612,714
55-59	64.2	6.6	63.2	93	4,920,000	8,901	477,572,528	145	7,786,155
60-64	64.4	9.4	64.1	47	2,502,077	2,951	157,547,009	73	3,901,621
65+	44.9	12.9	46.5	12	663,000	746	39,675,159	27	1,424,908
Total	50.2	2.7	49.8	348	18,687,930	144,104	7,907,306,619	694	37,562,001

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	4.8	31.8	40	4,915,000	48,367	5,564,835,172	133	15,450,270
2	63.3	6.7	60.9	88	9,845,200	43,944	5,062,502,461	139	16,170,412
3	62.1	6.7	62.7	86	10,147,000	38,375	4,439,199,378	139	16,190,113
4	56.5	6.7	55.6	72	8,257,885	30,532	3,540,151,261	128	14,857,226
5	59.4	7.5	59.6	63	7,341,538	22,114	2,565,617,791	106	12,326,924
6	57.1	8.5	55.9	45	5,137,667	14,624	1,703,272,983	79	9,192,659
7+	68.6	7.1	73.5	93	11,645,000	18,542	2,167,258,066	136	15,852,101
Total	56.8	2.6	57.3	488	57,289,290	216,499	25,042,837,113	859	100,039,705
By Issue Age
20-24	92.2	32.6	88.1	8	850,000	13,178	1,466,586,843	9	965,298
25-29	92.5	17.8	94.5	27	3,110,000	31,821	3,582,927,210	29	3,291,652
30-34	53.3	9.3	58.7	33	4,185,000	44,089	5,072,201,629	62	7,134,112
35-39	54.2	7.4	53.9	54	6,318,333	44,399	5,196,622,253	100	11,715,769
40-44	57.3	6.0	57.5	90	10,686,000	38,754	4,561,604,637	157	18,568,633
45-49	52.0	5.3	54.1	95	11,552,885	24,620	2,878,016,495	183	21,358,828
50-54	60.7	5.9	60.9	106	12,464,205	13,346	1,562,485,942	175	20,472,078
55-59	50.3	6.9	47.9	53	5,822,867	5,094	585,436,012	106	12,146,110
60-64	50.4	12.6	49.6	16	1,800,000	1,036	118,098,369	32	3,629,084
65+	76.4	34.2	66.0	5	500,000	162	18,857,722	7	758,138
Total	56.8	2.6	57.3	488	57,289,290	216,499	25,042,837,113	859	100,039,705
By Attained Age
20-24	46.1	32.6	51.4	2	250,000	7,247	810,841,121	4	485,987
25-29	95.5	22.5	93.1	18	1,960,000	24,048	2,686,160,335	19	2,106,335
30-34	61.0	11.7	63.0	27	3,185,000	38,388	4,378,178,150	44	5,054,812
35-39	57.0	8.7	58.4	43	5,128,333	43,506	5,047,398,742	76	8,775,011
40-44	58.7	7.0	57.4	71	8,202,000	41,168	4,845,442,261	121	14,285,317
45-49	47.8	5.4	50.1	77	9,480,000	30,327	3,563,127,499	161	18,934,849
50-54	52.9	5.5	53.8	93	11,096,885	18,543	2,171,393,185	176	20,619,195
55-59	56.7	6.0	57.8	88	10,484,405	9,499	1,108,848,190	156	18,142,314
60-64	67.7	9.5	64.5	51	5,552,667	3,035	346,999,642	75	8,605,464
65+	64.3	15.6	64.3	17	1,950,000	738	84,447,987	26	3,030,419
Total	56.8	2.6	57.3	488	57,289,290	216,499	25,042,837,113	859	100,039,705

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	32.5	10.8	31.2	9	3,250,000	8,069	2,976,014,889	28	10,426,402
2	38.8	11.7	36.6	11	3,876,667	7,216	2,632,326,297	28	10,593,891
3	83.6	17.1	97.3	24	10,416,854	6,405	2,323,831,845	29	10,710,641
4	63.0	15.7	67.3	16	6,400,000	5,145	1,866,900,334	25	9,507,036
5	39.4	13.9	40.1	8	3,000,000	3,805	1,376,525,013	20	7,482,616
6	65.6	20.7	70.6	10	3,850,000	2,515	893,122,028	15	5,453,499
7+	44.3	13.3	37.9	11	3,450,000	3,379	1,218,205,808	25	9,097,143
Total	52.2	5.5	54.1	89	34,243,521	36,534	13,286,926,213	170	63,271,228
By Issue Age
20-24	0.0	0.0	0.0	0	0	927	273,915,658	1	180,449
25-29	0.0	0.0	0.0	0	0	2,724	883,894,868	3	845,432
30-34	42.5	21.2	30.0	4	1,000,000	6,499	2,289,190,285	9	3,330,417
35-39	53.7	16.2	73.5	11	5,455,000	8,933	3,247,664,600	20	7,423,256
40-44	55.9	12.8	48.9	19	6,271,854	8,315	3,149,929,009	34	12,836,442
45-49	39.9	10.3	40.9	15	5,866,667	5,132	1,954,260,047	38	14,353,584
50-54	50.7	12.3	51.0	17	6,400,000	2,611	980,627,297	34	12,540,750
55-59	79.3	19.2	89.5	17	6,900,000	1,047	377,600,822	21	7,706,190
60-64	52.7	23.6	59.1	5	2,100,000	313	117,505,374	9	3,554,552
65+	75.1	75.1	50.0	1	250,000	33	12,338,253	1	500,156
Total	52.2	5.5	54.1	89	34,243,521	36,534	13,286,926,213	170	63,271,228
By Attained Age
20-24	0.0	0.0	0.0	0	0	530	153,140,746	0	91,996
25-29	0.0	0.0	0.0	0	0	1,832	582,435,838	1	468,942
30-34	73.7	36.9	53.4	4	1,000,000	4,584	1,575,379,357	5	1,871,522
35-39	28.7	14.3	23.9	4	1,205,000	7,897	2,850,658,769	14	5,044,043
40-44	54.1	14.4	68.1	14	6,621,854	8,701	3,261,498,314	26	9,729,683
45-49	45.7	11.4	44.6	16	5,840,000	6,561	2,452,787,637	35	13,084,105
50-54	47.1	11.4	43.4	17	5,926,667	3,781	1,429,298,373	36	13,668,626
55-59	58.9	13.9	58.9	18	6,700,000	1,858	694,865,948	31	11,372,523
60+	73.4	18.4	87.5	16	6,950,000	790	286,861,230	22	7,939,787
Total	52.2	5.5	54.1	89	34,243,521	36,534	13,286,926,213	170	63,271,228

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	15.5	3.4	16.2	21	501,361	33,195	762,557,215	137	3,087,948
2	41.2	5.5	42.3	56	1,314,799	30,120	698,247,460	136	3,106,271
3	54.7	6.5	55.4	71	1,663,929	26,219	612,189,872	130	3,001,659
4	62.6	7.5	61.2	70	1,599,529	20,516	481,991,587	112	2,612,917
5	47.9	7.5	50.0	41	1,010,179	14,242	338,096,275	86	2,022,015
6	59.6	10.2	60.3	34	822,491	8,594	206,102,955	57	1,362,896
7+	52.1	9.4	47.4	31	703,674	7,333	182,657,058	59	1,483,081
Total	45.3	2.5	45.7	324	7,615,962	140,219	3,281,842,421	717	16,676,787
By Issue Age
20-24	71.9	29.3	86.8	6	150,000	10,642	219,926,446	8	172,763
25-29	56.8	17.1	56.8	11	245,000	16,571	369,457,044	19	431,359
30-34	63.4	14.2	72.0	20	530,000	17,346	404,744,382	32	735,839
35-39	35.2	8.1	39.2	19	519,750	19,176	469,856,896	54	1,326,450
40-44	57.0	7.6	61.0	57	1,497,804	23,349	572,353,306	100	2,456,610
45-49	41.9	5.3	39.8	62	1,457,077	22,928	563,365,199	148	3,659,989
50-54	41.3	5.1	38.3	66	1,460,249	17,121	406,113,739	160	3,808,370
55-59	43.3	5.9	42.5	53	1,129,840	9,342	201,796,363	123	2,655,438
60+	41.6	7.6	43.8	30	626,242	3,744	74,229,047	72	1,429,970
Total	45.3	2.5	45.7	324	7,615,962	140,219	3,281,842,421	717	16,676,787
By Attained Age
20-24	71.8	41.4	87.5	3	75,000	6,096	124,732,090	4	85,681
25-29	60.7	20.2	60.1	9	195,000	14,949	326,888,259	15	324,246
30-34	39.7	12.6	43.2	10	250,000	16,567	380,390,382	25	578,719
35-39	48.4	10.8	58.2	20	576,000	17,842	426,270,829	41	989,279
40-44	60.8	8.9	62.1	47	1,180,688	21,759	534,280,660	77	1,900,904
45-49	43.5	5.9	44.5	54	1,345,743	22,991	559,799,691	124	3,021,778
50-54	39.9	5.1	39.0	62	1,471,720	19,706	477,954,894	156	3,776,402
55-59	40.4	5.3	38.1	59	1,270,032	12,909	295,791,929	146	3,334,317
60-64	48.1	7.5	44.7	41	809,779	5,480	116,823,370	85	1,812,584
65+	45.0	10.3	51.8	19	442,000	1,920	38,910,316	42	852,878
Total	45.3	2.5	45.7	324	7,615,962	140,219	3,281,842,421	717	16,676,787

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	40.5	5.8	40.7	49	2,642,500	37,264	2,008,279,713	122	6,494,314
2	52.6	6.6	54.2	64	3,536,254	33,406	1,807,641,713	122	6,522,713
3	56.2	6.9	54.7	66	3,469,124	29,085	1,580,741,693	118	6,342,846
4	59.2	7.4	59.5	64	3,466,158	24,032	1,309,937,511	108	5,826,249
5	56.6	8.0	55.5	50	2,646,527	17,815	972,677,210	88	4,770,757
6	50.5	8.9	50.9	32	1,737,128	11,659	636,426,012	63	3,416,058
7+	75.7	8.8	77.7	74	4,058,719	14,775	801,070,392	98	5,223,850
Total	55.6	2.8	55.9	400	21,556,410	168,037	9,116,774,245	719	38,596,787
By Issue Age
20-24	65.1	29.1	65.9	5	275,000	9,642	524,662,184	8	417,450
25-29	78.5	17.6	84.5	20	1,181,527	21,599	1,184,604,528	25	1,397,765
30-34	56.0	10.8	59.0	27	1,565,504	26,005	1,431,517,698	48	2,655,000
35-39	63.3	8.4	64.8	57	3,220,213	31,245	1,718,660,828	90	4,969,812
40-44	64.0	6.7	64.2	92	4,993,963	32,888	1,777,818,741	144	7,779,047
45-49	64.3	6.2	63.6	108	5,721,303	25,382	1,359,362,092	168	8,989,672
50-54	38.6	5.3	36.9	53	2,665,000	14,512	764,072,950	137	7,224,820
55-59	34.7	7.0	34.5	24	1,267,000	5,264	276,950,631	70	3,670,042
60-64	44.0	13.3	42.1	11	556,900	1,361	72,047,368	25	1,322,205
65+	60.1	42.5	64.3	2	110,000	138	7,077,226	3	170,974
Total	55.6	2.8	55.9	400	21,556,410	168,037	9,116,774,245	719	38,596,787
By Attained Age
20-24	28.6	28.6	26.3	1	50,000	5,088	277,621,902	3	190,394
25-29	80.4	21.5	90.3	14	856,527	17,531	955,286,255	17	948,775
30-34	62.0	13.2	62.8	22	1,222,870	23,399	1,284,532,514	36	1,948,289
35-39	46.0	8.5	49.4	29	1,716,323	27,296	1,500,697,991	63	3,477,395
40-44	63.6	7.5	63.7	72	3,957,193	32,182	1,759,090,504	114	6,210,465
45-49	67.6	6.7	67.4	103	5,533,784	28,568	1,540,928,791	152	8,214,916
50-54	56.2	6.0	55.4	88	4,605,813	20,013	1,064,565,601	157	8,320,794
55-59	39.0	5.9	37.7	43	2,190,000	9,950	523,313,596	110	5,803,743
60-64	41.3	9.2	41.3	20	1,057,000	3,175	166,913,276	49	2,557,927
65+	39.8	15.0	39.7	7	366,900	834	43,823,815	18	924,088
Total	55.6	2.8	55.9	400	21,556,410	168,037	9,116,774,245	719	38,596,787

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	33.2	5.2	31.9	40	4,317,500	45,104	5,053,717,863	121	13,526,786
2	53.7	6.7	52.2	65	7,099,742	40,844	4,582,885,287	121	13,609,398
3	66.6	7.5	67.4	78	8,908,000	35,632	4,006,861,652	117	13,207,465
4	67.8	8.1	67.6	70	7,860,000	28,135	3,168,259,640	103	11,626,166
5	75.1	9.6	79.3	61	7,235,880	20,007	2,252,015,448	81	9,123,207
6	71.1	11.1	64.4	41	4,175,750	12,948	1,459,229,277	58	6,483,542
7+	68.2	9.1	66.1	56	6,117,455	15,159	1,712,854,079	82	9,255,863
Total	60.2	3.0	59.5	411	45,714,327	197,830	22,235,823,248	683	76,832,427
By Issue Age
20-29	59.5	10.9	56.7	30	3,173,380	46,863	5,189,104,021	50	5,595,845
30-34	65.1	9.2	65.8	50	5,709,742	41,407	4,672,147,843	77	8,673,861
35-39	60.2	7.2	63.1	69	8,193,000	40,269	4,560,133,919	115	12,983,222
40-44	65.6	6.7	64.1	95	10,550,750	33,305	3,786,879,277	145	16,456,439
45-49	60.5	6.6	60.4	85	9,525,000	21,508	2,416,199,290	140	15,766,788
50-54	49.4	7.1	45.3	48	4,945,000	10,316	1,154,900,006	98	10,927,980
55-59	58.2	11.2	55.4	27	2,842,455	3,504	386,948,359	46	5,133,343
60-64	68.4	25.8	71.1	7	775,000	567	60,402,336	10	1,089,622
65+	0.0	0.0	0.0	0	0	90	9,108,197	2	205,328
Total	60.2	3.0	59.5	411	45,714,327	197,830	22,235,823,248	683	76,832,427
By Attained Age
20-29	62.1	14.2	58.2	19	1,967,500	33,003	3,641,319,443	31	3,380,606
30-34	51.2	9.5	50.7	29	3,215,622	37,123	4,158,617,317	57	6,346,960
35-39	65.9	8.4	68.2	61	7,158,000	40,120	4,547,572,876	93	10,494,618
40-44	55.5	6.6	57.1	71	8,305,000	36,386	4,133,488,699	128	14,538,669
45-49	72.0	7.1	68.6	102	10,980,750	26,538	2,999,351,325	142	16,001,565
50-54	58.6	6.9	58.7	71	8,025,000	15,561	1,750,463,700	122	13,672,301
55-59	43.5	7.6	40.2	33	3,370,000	6,832	754,837,464	76	8,384,917
60-64	70.6	15.8	68.1	20	2,142,455	1,868	207,487,460	28	3,144,464
65+	61.3	27.4	63.3	5	550,000	400	42,684,963	8	868,325
Total	60.2	3.0	59.5	411	45,714,327	197,830	22,235,823,248	683	76,832,427

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	68.3	24.1	51.5	8	2,000,000	3,788	1,237,553,370	12	3,880,182
2	45.0	20.0	54.9	5	2,010,000	3,282	1,061,537,056	11	3,660,923
3	56.6	23.1	81.7	6	2,800,000	2,832	907,789,068	11	3,425,963
4	100.3	33.4	133.9	9	3,850,000	2,227	706,247,134	9	2,875,349
5+	115.6	24.6	114.8	22	6,925,000	3,908	1,239,560,985	19	6,032,663
Total	81.3	11.5	88.5	50	17,585,000	16,037	5,152,687,613	62	19,875,079
By Issue Age
20-24	0.0	0.0	0.0	0	0	523	148,785,423	0	115,101
25-29	142.1	82.0	165.4	3	1,100,000	1,711	537,930,741	2	664,884
30-34	98.0	40.0	91.1	6	1,750,000	3,255	1,023,362,986	6	1,921,005
35-39	81.9	27.3	87.7	9	3,175,000	3,871	1,277,406,954	11	3,619,075
40-44	82.3	23.7	84.4	12	4,010,000	3,330	1,085,128,696	15	4,753,969
45-49	52.8	20.0	83.8	7	3,500,000	2,038	647,487,968	13	4,177,523
50-54	107.9	36.0	109.1	9	3,050,000	896	300,219,465	8	2,795,793
55-59	81.2	40.6	65.0	4	1,000,000	373	116,675,197	5	1,538,006
60+	0.0	0.0	0.0	0	0	40	15,690,183	1	289,723
Total	81.3	11.5	88.5	50	17,585,000	16,037	5,152,687,613	62	19,875,079
By Attained Age
20-24	0.0	0.0	0.0	0	0	313	88,154,977	0	59,599
25-29	86.7	86.7	97.8	1	350,000	1,133	350,450,238	1	357,863
30-34	76.7	44.3	80.9	3	1,000,000	2,534	799,774,303	4	1,235,726
35-39	93.0	32.9	75.8	8	2,125,000	3,686	1,198,434,325	9	2,802,769
40-44	73.2	24.3	84.8	9	3,410,000	3,494	1,138,691,362	12	4,023,426
45-49	84.7	24.4	115.5	12	5,350,000	2,639	862,944,040	14	4,633,703
50-54	53.4	21.8	50.8	6	1,800,000	1,441	453,985,544	11	3,543,955
55-59	104.3	39.4	116.1	7	2,550,000	597	195,647,044	7	2,197,306
60+	126.2	63.1	98.0	4	1,000,000	200	64,605,781	3	1,020,733
Total	81.3	11.5	88.5	50	17,585,000	16,037	5,152,687,613	62	19,875,079

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	28.4	8.5	31.8	11	256,750	12,049	256,084,553	40	808,471
2	48.5	11.4	57.4	18	440,000	10,335	220,977,922	37	766,850
3	97.5	16.9	108.1	33	764,073	8,567	184,642,132	34	706,831
4	96.4	18.6	93.0	27	546,286	6,414	138,725,558	28	587,568
5	73.0	18.8	80.3	15	350,000	4,293	93,716,981	21	435,685
6	103.0	27.5	119.3	14	348,500	2,577	56,523,019	14	292,234
7+	103.9	26.8	97.5	15	313,674	2,051	46,698,993	14	321,663
Total	71.2	6.2	77.0	133	3,019,283	46,286	997,369,159	187	3,919,302
By Issue Age
20-24	84.9	49.0	109.0	3	75,000	4,909	96,457,424	4	68,828
25-29	70.9	31.7	82.2	5	125,000	6,889	150,245,498	7	151,980
30-34	58.1	23.7	61.5	6	140,000	6,454	142,377,001	10	227,564
35-39	76.7	20.5	89.1	14	384,000	7,299	172,131,478	18	431,084
40-44	70.6	14.4	78.5	24	590,565	8,371	185,347,736	34	751,885
45-49	80.0	13.3	90.0	36	854,008	6,894	144,526,971	45	949,102
50-54	52.8	11.8	52.2	20	399,460	3,648	73,088,834	38	764,956
55-59	84.6	19.3	76.5	19	316,250	1,449	26,241,469	23	413,130
60-64	68.8	30.8	79.9	5	110,000	340	6,297,859	7	137,708
65+	87.1	87.1	108.4	1	25,000	34	654,887	1	23,064
Total	71.2	6.2	77.0	133	3,019,283	46,286	997,369,159	187	3,919,302
By Attained Age
20-24	107.7	76.1	137.9	2	50,000	2,904	56,529,630	2	36,261
25-29	35.1	24.8	41.3	2	50,000	6,504	138,249,568	6	121,003
30-34	72.3	29.5	82.9	6	150,000	6,252	136,344,385	8	180,976
35-39	94.3	26.2	118.8	13	379,000	6,786	156,865,910	14	318,923
40-44	60.7	15.2	61.2	16	364,565	8,087	183,352,569	26	595,483
45-49	80.7	14.0	90.0	33	790,008	7,678	164,403,182	41	877,454
50-54	44.8	10.3	52.9	19	460,000	4,965	102,149,896	42	869,380
55-59	76.5	15.9	67.9	23	405,710	2,266	44,241,455	30	597,301
60-64	112.1	29.0	111.2	15	265,000	687	12,068,754	13	238,222
65+	97.1	48.6	124.6	4	105,000	157	3,163,812	4	84,301
Total	71.2	6.2	77.0	133	3,019,283	46,286	997,369,159	187	3,919,302

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	79.8	14.3	75.6	31	1,585,000	16,301	885,348,513	39	2,097,769
3	106.3	24.4	109.4	19	1,051,000	6,096	331,330,561	18	960,523
4	94.6	24.4	91.5	15	779,770	4,752	257,862,628	16	852,046
5	46.1	18.8	45.1	6	314,600	3,377	182,985,604	13	697,143
6	122.3	35.3	122.1	12	639,128	2,209	119,324,209	10	523,363
7+	88.8	21.5	93.2	17	947,396	2,961	159,579,460	19	1,016,404
Total	87.3	8.7	86.5	100	5,316,894	35,696	1,936,430,974	115	6,147,248
By Issue Age
20-39	76.1	14.1	74.9	29	1,554,394	24,136	1,320,348,165	38	2,075,471
40-44	88.5	18.9	90.2	22	1,200,000	6,017	321,967,030	25	1,330,154
45-49	102.8	20.5	102.8	25	1,331,000	3,536	187,936,604	24	1,294,668
50-54	76.2	21.1	75.4	13	685,000	1,487	78,923,244	17	908,793
55+	107.0	32.3	101.5	11	546,500	521	27,255,931	10	538,162
Total	87.3	8.7	86.5	100	5,316,894	35,696	1,936,430,974	115	6,147,248
By Attained Age
20-44	77.8	12.6	76.6	38	2,026,998	27,411	1,494,667,888	49	2,645,864
45-49	92.0	19.6	91.8	22	1,183,396	4,566	245,130,676	24	1,289,512
50-54	86.9	20.5	91.0	18	1,000,000	2,416	128,221,695	21	1,099,279
55-59	91.8	26.5	86.9	12	600,000	953	50,079,835	13	690,770
60+	124.1	39.2	120.1	10	506,500	350	18,330,881	8	421,823
Total	87.3	8.7	86.5	100	5,316,894	35,696	1,936,430,974	115	6,147,248

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	32.8	14.5	29.4	5	510,000	7,970	879,755,071	16	1,735,034
2	80.4	23.2	75.3	12	1,250,000	6,568	724,239,971	15	1,659,810
3	102.0	27.3	104.7	14	1,600,000	5,367	592,696,508	14	1,528,883
4	51.7	21.1	52.6	6	684,000	3,939	436,689,469	12	1,300,361
5	166.6	43.0	166.1	15	1,680,880	2,721	302,794,258	9	1,011,881
6	63.0	31.5	59.7	4	425,000	1,705	190,907,706	6	712,007
7+	121.7	35.1	137.2	12	1,529,000	2,047	231,353,302	10	1,114,282
Total	84.1	10.2	84.7	68	7,678,880	30,316	3,358,436,286	81	9,062,258
By Issue Age
20-39	60.5	13.5	58.7	20	2,155,880	22,703	2,498,366,312	33	3,669,681
40-44	110.0	25.2	113.5	19	2,204,000	4,251	477,363,721	17	1,942,399
45-49	112.1	27.2	120.2	17	2,109,000	2,209	255,691,325	15	1,755,228
50-54	60.9	24.9	54.7	6	600,000	875	97,348,199	10	1,097,552
55-59	114.8	50.9	107.4	5	510,000	233	25,084,399	4	474,995
60+	82.9	82.9	81.7	1	100,000	45	4,582,329	1	122,402
Total	84.1	10.2	84.7	68	7,678,880	30,316	3,358,436,286	81	9,062,258
By Attained Age
20-44	56.0	11.7	53.9	23	2,455,880	25,151	2,771,249,203	41	4,557,747
45-49	149.6	30.5	149.5	24	2,750,000	3,046	348,817,403	16	1,839,355
50-54	93.6	27.0	107.6	12	1,563,000	1,456	165,192,162	13	1,452,478
55-59	67.8	30.0	60.7	5	510,000	517	57,809,306	8	840,745
60+	112.4	56.2	107.5	4	400,000	146	15,368,212	4	371,933
Total	84.1	10.2	84.7	68	7,678,880	30,316	3,358,436,286	81	9,062,258

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	130.9	92.6	143.2	2	750,000	597	199,673,611	2	523,574
2	73.7	73.7	55.0	1	250,000	489	158,253,975	1	454,371
3	216.2	124.8	276.1	3	1,300,000	433	142,653,449	1	470,926
4	81.3	81.3	58.4	1	250,000	360	120,098,198	1	428,177
5	0.0	0.0	0.0	0	0	255	84,194,453	1	312,562
6	0.0	0.0	0.0	0	0	177	57,769,689	1	250,071
7+	0.0	0.0	0.0	0	0	266	88,383,775	1	488,166
Total	80.8	30.5	87.1	7	2,550,000	2,576	851,027,150	9	2,927,847
By Issue Age
20-24	0.0	0.0	0.0	0	0	139	41,468,564	0	28,543
25-29	294.1	294.1	333.2	1	350,000	344	105,594,256	0	105,048
30-34	0.0	0.0	0.0	0	0	587	193,451,949	1	306,332
35-39	134.5	95.1	113.8	2	550,000	599	195,827,468	1	483,443
40-44	100.0	70.7	121.3	2	900,000	484	175,718,533	2	741,791
45-49	87.6	62.0	103.5	2	750,000	315	101,167,271	2	724,915
50-54	0.0	0.0	0.0	0	0	66	23,418,973	1	283,314
55+	0.0	0.0	0.0	0	0	42	14,380,137	1	254,462
Total	80.8	30.5	87.1	7	2,550,000	2,576	851,027,150	9	2,927,847
By Attained Age
20-24	0.0	0.0	0.0	0	0	79	23,576,543	0	14,430
25-29	451.4	451.4	526.1	1	350,000	259	77,620,007	0	66,531
30-34	0.0	0.0	0.0	0	0	418	133,079,116	1	163,898
35-39	89.9	89.9	81.9	1	300,000	591	195,310,955	1	366,475
40-44	112.6	79.6	82.8	2	500,000	580	197,657,125	2	603,686
45-49	141.0	81.4	186.7	3	1,400,000	399	140,630,430	2	750,061
50-54	0.0	0.0	0.0	0	0	170	54,939,504	2	502,673
55+	0.0	0.0	0.0	0	0	81	28,213,470	1	460,092
Total	80.8	30.5	87.1	7	2,550,000	2,576	851,027,150	9	2,927,847

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	48.8	16.0	55.9	9	218,750	5,931	127,747,436	19	391,479
2	56.8	17.9	68.9	10	255,000	5,011	108,382,090	18	369,961
3	113.6	26.7	132.3	18	445,073	4,048	87,982,493	16	336,431
4	91.5	26.4	104.8	12	290,531	3,006	65,180,782	13	277,296
5	52.5	23.5	68.6	5	140,000	1,988	43,751,408	10	203,937
6	121.6	43.0	138.3	8	198,500	1,211	26,655,105	7	143,510
7+	67.9	30.4	75.6	5	125,000	975	21,938,227	7	165,408
Total	75.6	9.2	88.6	67	1,672,854	22,170	481,637,542	89	1,888,022
By Issue Age
20-24	62.4	62.4	80.9	1	25,000	2,412	47,324,577	2	30,890
25-29	63.3	44.8	73.9	2	50,000	3,526	77,301,303	3	67,678
30-34	23.1	23.1	26.4	1	25,000	3,154	69,474,736	4	94,811
35-39	144.2	43.5	160.5	11	287,000	3,517	82,500,406	8	178,785
40-44	70.8	21.3	83.0	11	290,565	4,047	90,896,355	16	350,215
45-49	93.9	20.9	122.6	20	556,008	3,156	66,619,073	22	453,614
50-54	51.4	16.3	51.1	10	208,031	1,618	33,537,901	19	407,472
55-59	77.3	25.4	76.2	9	171,250	608	11,436,430	12	224,665
60-64	32.1	32.1	57.5	1	35,000	105	2,039,911	3	60,862
65+	102.8	102.8	131.4	1	25,000	27	506,849	1	19,032
Total	75.6	9.2	88.6	67	1,672,854	22,170	481,637,542	89	1,888,022
By Attained Age
20-24	122.6	122.6	158.3	1	25,000	1,379	26,579,113	1	15,793
25-29	38.3	38.3	44.7	1	25,000	3,378	72,440,739	3	55,888
30-34	57.6	40.7	66.4	2	50,000	3,065	66,508,991	3	75,284
35-39	139.9	49.4	181.7	8	242,000	3,315	76,898,600	6	133,166
40-44	60.4	22.8	59.1	7	154,565	3,920	88,781,351	12	261,740
45-49	104.6	23.3	122.9	20	517,008	3,614	78,979,251	19	420,573
50-54	43.9	14.6	60.7	9	255,000	2,177	44,751,359	21	420,208
55-59	76.9	22.0	71.6	12	234,281	973	20,035,891	16	327,265
60-64	69.3	31.0	80.7	5	110,000	291	5,511,631	7	136,265
65+	96.4	68.2	143.4	2	60,000	58	1,150,615	2	41,840
Total	75.6	9.2	88.6	67	1,672,854	22,170	481,637,542	89	1,888,022

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	70.6	18.2	62.3	15	715,000	9,285	506,812,838	21	1,147,861
3	92.1	30.7	99.8	9	526,000	3,396	185,456,704	10	526,890
4	80.3	30.4	74.4	7	350,000	2,629	143,436,005	9	470,617
5	27.7	19.6	23.1	2	89,600	1,847	100,714,569	7	388,238
6	90.7	40.5	93.1	5	275,000	1,199	65,246,996	6	295,289
7+	78.9	26.3	81.7	9	495,000	1,603	86,654,420	11	605,506
Total	73.6	10.7	71.4	47	2,450,600	19,959	1,088,321,532	64	3,434,401
By Issue Age
20-39	52.6	16.6	44.6	10	465,000	13,546	745,938,554	19	1,042,197
40-44	90.4	26.1	93.1	12	660,000	3,348	178,732,532	13	708,636
45-49	86.8	25.1	92.6	12	676,000	1,938	102,649,997	14	729,852
50-54	63.8	24.1	60.5	7	360,000	846	45,925,830	11	595,509
55+	88.7	36.2	80.8	6	289,600	282	15,074,620	7	358,208
Total	73.6	10.7	71.4	47	2,450,600	19,959	1,088,321,532	64	3,434,401
By Attained Age
20-44	60.7	15.7	55.1	15	740,000	15,408	844,746,076	25	1,342,735
45-49	98.0	27.2	99.9	13	711,000	2,528	135,736,330	13	711,861
50-54	49.5	20.2	54.3	6	350,000	1,309	69,664,471	12	645,049
55-59	73.1	29.8	68.0	6	300,000	510	27,406,603	8	441,465
60+	125.6	47.5	119.2	7	349,600	203	10,768,051	6	293,292
Total	73.6	10.7	71.4	47	2,450,600	19,959	1,088,321,532	64	3,434,401

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	22.4	15.5	19.9	2	210,000	5,049	560,554,768	9	1,056,377
2	111.1	35.1	104.0	10	1,050,000	4,114	456,287,517	9	1,009,943
3	106.2	35.4	105.0	9	1,000,000	3,402	378,280,977	8	952,032
4	82.3	33.6	82.9	6	684,000	2,505	279,645,835	7	825,177
5	155.4	51.8	156.0	9	1,025,000	1,728	194,570,776	6	657,134
6	47.1	33.3	46.8	2	225,000	1,096	124,312,078	4	480,610
7+	146.7	46.4	158.5	10	1,229,000	1,320	151,754,842	7	775,581
Total	94.3	13.6	94.2	48	5,423,000	19,213	2,145,406,794	51	5,756,853
By Issue Age
20-39	67.2	18.6	64.6	13	1,400,000	14,449	1,601,008,929	19	2,167,294
40-44	115.7	33.4	119.3	12	1,404,000	2,641	299,273,347	10	1,176,667
45-49	111.2	33.5	120.7	11	1,409,000	1,382	163,218,240	10	1,167,743
50-54	89.0	36.3	79.1	6	600,000	536	60,344,939	7	758,405
55-59	138.5	61.3	131.3	5	510,000	174	18,379,009	4	388,418
60+	103.6	103.6	101.7	1	100,000	31	3,182,329	1	98,326
Total	94.3	13.6	94.2	48	5,423,000	19,213	2,145,406,794	51	5,756,853
By Attained Age
20-39	47.0	17.8	42.4	7	700,000	12,842	1,414,549,754	15	1,649,496
40-44	86.9	30.7	85.6	8	900,000	3,155	360,387,965	9	1,051,847
45-49	153.6	39.7	162.2	15	1,850,000	1,862	217,182,971	10	1,140,862
50-54	107.0	35.7	110.3	9	1,063,000	893	102,407,486	8	963,569
55-59	90.6	40.1	80.9	5	510,000	345	38,743,078	6	630,493
60+	129.9	65.0	124.8	4	400,000	116	12,135,541	3	320,586
Total	94.3	13.6	94.2	48	5,423,000	19,213	2,145,406,794	51	5,756,853

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	179.2	126.7	194.2	2	750,000	444	150,372,020	1	386,125
2	102.5	102.5	74.7	1	250,000	365	120,636,818	1	334,827
3	98.0	98.0	85.0	1	300,000	325	109,684,511	1	352,875
4	110.8	110.8	77.3	1	250,000	265	90,806,959	1	323,306
5	0.0	0.0	0.0	0	0	194	65,776,550	1	240,269
6	0.0	0.0	0.0	0	0	135	45,602,809	1	195,502
7+	0.0	0.0	0.0	0	0	216	73,861,254	1	419,972
Total	76.7	34.3	68.8	5	1,550,000	1,945	656,740,920	7	2,252,876
By Issue Age
20-24	0.0	0.0	0.0	0	0	104	31,218,369	0	20,262
25-29	0.0	0.0	0.0	0	0	265	81,701,758	0	77,800
30-34	0.0	0.0	0.0	0	0	436	151,778,623	1	227,413
35-39	178.4	126.1	147.3	2	550,000	470	156,255,531	1	373,289
40-44	68.7	68.7	45.0	1	250,000	359	132,723,696	1	555,273
45-49	111.7	79.0	131.5	2	750,000	234	75,293,970	2	570,330
50-54	0.0	0.0	0.0	0	0	48	18,668,973	1	239,105
55+	0.0	0.0	0.0	0	0	28	9,100,000	1	189,404
Total	76.7	34.3	68.8	5	1,550,000	1,945	656,740,920	7	2,252,876
By Attained Age
20-24	0.0	0.0	0.0	0	0	62	18,636,035	0	10,956
25-29	0.0	0.0	0.0	0	0	187	56,065,504	0	45,097
30-34	0.0	0.0	0.0	0	0	319	104,647,849	0	121,170
35-39	129.1	129.1	113.6	1	300,000	444	151,050,871	1	264,143
40-44	150.3	106.3	107.6	2	500,000	455	158,685,295	1	464,742
45-49	131.4	92.9	139.0	2	750,000	284	100,724,309	2	539,717
50-54	0.0	0.0	0.0	0	0	134	45,747,723	1	430,890
55+	0.0	0.0	0.0	0	0	60	21,183,333	1	376,161
Total	76.7	34.3	68.8	5	1,550,000	1,945	656,740,920	7	2,252,876

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	9.7	6.8	9.1	2	38,000	6,118	128,337,118	21	416,992
2	40.9	14.5	46.6	8	185,000	5,325	112,595,832	20	396,890
3	83.2	21.5	86.1	15	319,000	4,519	96,659,639	18	370,400
4	100.8	26.0	82.4	15	255,755	3,407	73,544,776	15	310,273
5	90.7	28.7	90.6	10	210,000	2,305	49,965,573	11	231,747
6	85.5	34.9	100.9	6	150,000	1,367	29,867,914	7	148,724
7+	141.5	44.7	120.7	10	188,674	1,077	24,760,766	7	156,255
Total	67.2	8.3	66.3	66	1,346,429	24,116	515,731,617	98	2,031,281
By Issue Age
20-24	103.5	73.2	131.8	2	50,000	2,498	49,132,848	2	37,939
25-29	76.9	44.4	89.0	3	75,000	3,362	72,944,195	4	84,302
30-34	83.2	37.2	86.6	5	115,000	3,300	72,902,265	6	132,754
35-39	28.2	16.3	38.4	3	97,000	3,782	89,631,072	11	252,299
40-44	70.4	19.5	74.7	13	300,000	4,325	94,451,381	18	401,671
45-49	67.4	16.8	60.1	16	298,000	3,738	77,907,898	24	495,488
50-54	54.3	17.2	53.5	10	191,429	2,030	39,550,934	18	357,484
55-59	92.7	29.3	76.9	10	145,000	841	14,805,039	11	188,465
60+	92.4	46.2	92.7	4	75,000	241	4,405,986	4	80,879
Total	67.2	8.3	66.3	66	1,346,429	24,116	515,731,617	98	2,031,281
By Attained Age
20-24	96.0	96.0	122.1	1	25,000	1,525	29,950,516	1	20,469
25-29	32.3	32.3	38.4	1	25,000	3,126	65,808,828	3	65,114
30-34	82.9	41.5	94.6	4	100,000	3,187	69,835,394	5	105,691
35-39	62.0	27.7	73.8	5	137,000	3,471	79,967,309	8	185,757
40-44	60.9	20.3	62.9	9	210,000	4,167	94,571,217	15	333,743
45-49	59.6	16.5	59.8	13	273,000	4,064	85,423,931	22	456,881
50-54	45.7	14.4	45.6	10	205,000	2,788	57,398,538	22	449,172
55-59	76.0	22.9	63.5	11	171,429	1,293	24,205,564	14	270,036
60-64	162.4	51.3	152.0	10	155,000	397	6,557,122	6	101,957
65+	97.9	69.2	106.0	2	45,000	98	2,013,197	2	42,461
Total	67.2	8.3	66.3	66	1,346,429	24,116	515,731,617	98	2,031,281

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1-3	101.0	19.8	100.8	26	1,395,000	9,716	524,409,532	26	1,383,541
4	112.0	39.6	112.7	8	429,770	2,123	114,426,622	7	381,429
5	68.8	34.4	72.8	4	225,000	1,530	82,271,034	6	308,905
6	162.9	61.6	159.7	7	364,128	1,010	54,077,213	4	228,074
7+	103.2	36.5	110.1	8	452,396	1,358	72,925,040	8	410,898
Total	104.4	14.3	105.7	53	2,866,294	15,737	848,109,442	51	2,712,847
By Issue Age
20-44	94.6	17.6	98.5	29	1,629,394	13,259	717,644,110	31	1,654,792
45-49	123.8	34.2	116.0	13	655,000	1,598	85,286,607	11	564,816
50-54	98.5	40.2	103.7	6	325,000	642	32,997,414	6	313,284
55+	142.2	63.6	142.8	5	256,900	238	12,181,311	4	179,954
Total	104.4	14.3	105.7	53	2,866,294	15,737	848,109,442	51	2,712,847
By Attained Age
20-44	95.3	19.9	98.8	23	1,286,998	12,003	649,921,812	24	1,303,129
45-49	84.5	28.0	81.8	9	472,396	2,038	109,394,346	11	577,651
50-54	139.6	40.3	143.1	12	650,000	1,108	58,557,224	9	454,230
55-59	123.4	50.4	120.3	6	300,000	443	22,673,232	5	249,306
60+	120.7	69.7	122.1	3	156,900	146	7,562,829	2	128,531
Total	104.4	14.3	105.7	53	2,866,294	15,737	848,109,442	51	2,712,847

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	28.1	44.2	3	300,000	2,921	319,200,303	6	678,658
2	33.8	23.9	30.8	2	200,000	2,454	267,952,454	6	649,868
3	95.2	42.6	104.0	5	600,000	1,965	214,415,531	5	576,851
4	0.0	0.0	0.0	0	0	1,434	157,043,634	4	475,184
5	186.7	76.2	184.9	6	655,880	993	108,223,482	3	354,746
6	95.2	67.3	86.4	2	200,000	609	66,595,628	2	231,397
7+	65.7	46.5	88.6	2	300,000	727	79,598,460	3	338,701
Total	66.6	14.9	68.2	20	2,255,880	11,103	1,213,029,492	30	3,305,404
By Issue Age
20-39	51.0	19.3	50.3	7	755,880	8,254	897,357,383	14	1,502,387
40-44	101.5	38.4	104.5	7	800,000	1,610	178,090,374	7	765,731
45-49	113.9	46.5	119.2	6	700,000	828	92,473,085	5	587,486
50-54	0.0	0.0	0.0	0	0	339	37,003,260	3	339,148
55+	0.0	0.0	0.0	0	0	73	8,105,390	1	110,653
Total	66.6	14.9	68.2	20	2,255,880	11,103	1,213,029,492	30	3,305,404
By Attained Age
20-44	47.2	16.7	46.1	8	855,880	9,154	996,311,484	17	1,856,404
45-49	143.4	47.8	128.8	9	900,000	1,185	131,634,432	6	698,493
50-54	68.1	39.3	102.3	3	500,000	563	62,784,677	4	488,909
55-59	0.0	0.0	0.0	0	0	172	19,066,228	2	210,252
60+	0.0	0.0	0.0	0	0	30	3,232,671	0	51,347
Total	66.6	14.9	68.2	20	2,255,880	11,103	1,213,029,492	30	3,305,404

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	153	49,301,590	0	137,449
2	0.0	0.0	0.0	0	0	124	37,617,157	0	119,544
3	544.8	385.2	847.1	2	1,000,000	108	32,968,938	0	118,051
4	0.0	0.0	0.0	0	0	94	29,291,239	0	104,871
5	0.0	0.0	0.0	0	0	61	18,417,904	0	72,293
6+	0.0	0.0	0.0	0	0	92	26,689,402	0	122,763
Total	93.4	66.1	148.2	2	1,000,000	631	194,286,230	2	674,971
By Issue Age
20-24	0.0	0.0	0.0	0	0	35	10,250,194	0	8,281
25-29	1116.5	1116.5	1284.5	1	350,000	79	23,892,498	0	27,248
30-34	0.0	0.0	0.0	0	0	150	41,673,326	0	78,918
35-39	0.0	0.0	0.0	0	0	128	39,571,937	0	110,154
40-44	184.0	184.0	348.5	1	650,000	126	42,994,836	1	186,517
45+	0.0	0.0	0.0	0	0	113	35,903,438	1	263,851
Total	93.4	66.1	148.2	2	1,000,000	631	194,286,230	2	674,971
By Attained Age
20-24	0.0	0.0	0.0	0	0	17	4,940,508	0	3,474
25-29	1390.7	1390.7	1632.9	1	350,000	73	21,554,503	0	21,435
30-34	0.0	0.0	0.0	0	0	99	28,431,266	0	42,728
35-39	0.0	0.0	0.0	0	0	147	44,260,084	0	102,332
40-44	0.0	0.0	0.0	0	0	125	38,971,830	0	138,944
45+	88.8	88.8	177.6	1	650,000	171	56,128,039	1	366,058
Total	93.4	66.1	148.2	2	1,000,000	631	194,286,230	2	674,971

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	15.4	2.7	15.5	31	728,361	46,242	1,078,294,792	204	4,687,696
2	40.4	4.4	43.4	84	2,090,373	42,322	994,516,436	208	4,814,063
3	42.9	4.6	44.8	87	2,131,772	36,984	874,987,258	204	4,758,820
4	49.1	5.2	50.3	88	2,128,399	29,297	696,887,646	180	4,233,402
5	44.7	5.6	45.4	63	1,522,300	20,573	493,796,367	141	3,355,446
6	59.4	7.9	61.0	57	1,406,249	12,578	304,798,873	96	2,305,889
7+	46.9	6.6	50.4	51	1,380,500	11,389	285,384,237	109	2,737,026
Total	40.5	1.9	42.3	462	11,387,954	199,385	4,728,665,609	1,141	26,892,342
By Issue Age
20-24	59.0	24.1	82.5	6	175,000	13,935	289,780,238	10	212,207
25-29	70.2	17.0	72.7	17	395,000	22,945	514,999,202	24	542,967
30-34	42.0	10.2	48.9	17	465,000	24,961	585,564,477	40	950,995
35-39	36.5	7.3	41.2	25	702,331	27,195	666,922,071	69	1,705,280
40-44	46.1	5.9	49.2	62	1,660,150	32,281	806,970,910	134	3,375,670
45-49	39.4	4.2	40.1	87	2,234,801	32,705	821,232,678	221	5,579,801
50-54	36.2	3.7	35.7	98	2,342,920	25,282	609,572,273	271	6,564,740
55-59	41.7	4.2	45.4	96	2,325,971	14,351	316,753,244	231	5,121,165
60+	38.2	5.2	38.3	53	1,086,781	5,732	116,870,516	139	2,839,518
Total	40.5	1.9	42.3	462	11,387,954	199,385	4,728,665,609	1,141	26,892,342
By Attained Age
20-24	58.6	33.8	71.1	3	75,000	7,921	162,542,751	5	105,443
25-29	77.1	20.6	88.4	14	355,000	20,168	445,062,178	18	401,430
30-34	28.0	9.3	27.0	9	200,000	23,717	546,582,769	32	741,781
35-39	36.4	8.3	45.6	19	574,000	25,367	609,041,151	52	1,258,607
40-44	53.4	7.3	56.0	53	1,387,615	30,164	747,016,211	100	2,479,179
45-49	36.6	4.6	37.7	64	1,652,743	32,412	810,710,785	175	4,379,062
50-54	39.4	4.0	40.5	96	2,437,044	28,450	700,188,395	245	6,010,005
55-59	34.3	3.6	35.2	90	2,153,246	19,574	456,429,917	263	6,111,720
60-64	45.9	5.2	47.8	77	1,763,155	8,624	189,525,062	168	3,691,350
65+	43.3	7.2	46.1	36	790,151	2,988	61,566,389	83	1,713,766
Total	40.5	1.9	42.3	462	11,387,954	199,385	4,728,665,609	1,141	26,892,342

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	3.9	33.2	67	3,718,500	60,546	3,285,533,375	209	11,188,040
2	46.1	4.6	46.6	99	5,384,957	55,049	2,999,590,860	215	11,564,582
3	47.4	4.7	46.1	100	5,267,940	48,064	2,628,329,108	212	11,421,710
4	56.1	5.3	55.9	110	5,929,474	39,651	2,173,004,606	196	10,612,751
5	58.0	6.0	57.1	94	5,017,527	29,444	1,615,029,930	162	8,785,510
6	49.7	6.5	50.1	59	3,214,725	19,318	1,059,196,727	119	6,422,064
7+	63.4	5.8	63.8	118	6,394,323	24,372	1,326,965,285	186	10,016,882
Total	49.9	2.0	49.9	648	34,927,446	276,444	15,087,649,890	1,299	70,011,540
By Issue Age
20-24	38.5	19.3	39.7	4	225,000	14,074	770,148,147	10	567,165
25-29	61.9	13.2	66.9	22	1,313,823	33,354	1,843,931,674	36	1,963,717
30-34	43.3	7.9	44.6	30	1,705,005	42,150	2,327,270,750	69	3,825,934
35-39	49.4	6.1	49.9	65	3,651,710	50,313	2,790,447,538	132	7,312,292
40-44	54.4	4.8	54.3	126	6,855,592	54,648	2,977,349,095	232	12,627,494
45-49	55.0	4.3	54.3	167	8,864,803	43,658	2,348,307,939	304	16,323,371
50-54	42.9	3.9	42.5	122	6,419,036	25,736	1,367,090,582	284	15,108,540
55-59	51.5	5.5	51.5	86	4,594,477	9,926	526,353,476	168	8,920,751
60-64	44.9	9.2	44.3	24	1,248,000	2,284	120,631,399	53	2,817,546
65+	9.9	9.9	9.2	1	50,000	301	16,119,289	10	544,730
Total	49.9	2.0	49.9	648	34,927,446	276,444	15,087,649,890	1,299	70,011,540
By Attained Age
20-24	41.6	29.4	37.9	2	100,000	7,423	407,656,041	5	263,676
25-29	63.8	16.5	70.9	15	913,823	26,034	1,430,586,972	24	1,289,380
30-34	45.2	9.4	45.9	23	1,287,371	37,746	2,083,385,038	51	2,805,926
35-39	36.3	6.3	38.2	33	1,926,096	44,354	2,454,933,885	91	5,039,284
40-44	49.3	5.3	49.5	85	4,705,399	52,781	2,904,658,922	173	9,514,018
45-49	59.7	4.8	59.3	154	8,283,931	48,299	2,619,995,569	258	13,979,178
50-54	45.6	3.9	45.0	135	7,118,349	34,552	1,845,998,796	296	15,834,228
55-59	51.2	4.6	50.5	124	6,510,000	17,898	950,806,289	243	12,899,128
60-64	50.9	6.6	51.2	59	3,159,477	5,861	310,431,148	116	6,168,371
65+	40.7	9.9	41.6	17	923,000	1,496	79,197,230	42	2,218,350
Total	49.9	2.0	49.9	648	34,927,446	276,444	15,087,649,890	1,299	70,011,540

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	3.6	32.0	75	8,722,500	85,502	9,738,797,964	238	27,242,022
2	57.5	4.8	55.8	141	15,694,942	78,220	8,921,147,777	245	28,119,999
3	62.0	5.1	62.6	151	17,455,000	68,641	7,853,364,522	243	27,868,694
4	62.1	5.3	61.3	136	15,433,885	54,728	6,271,721,432	219	25,183,031
5	61.2	5.9	63.1	109	12,896,538	39,400	4,514,838,981	178	20,438,251
6	63.1	7.0	59.4	82	8,888,417	25,868	2,971,594,554	130	14,964,194
7+	65.9	5.6	67.7	137	16,233,455	31,653	3,648,758,844	208	23,993,682
Total	56.9	2.0	56.8	831	95,324,737	384,013	43,920,224,075	1,461	167,809,874
By Issue Age
20-24	76.3	21.2	72.3	13	1,367,500	23,338	2,591,233,759	17	1,890,451
25-29	75.7	11.0	74.9	47	5,210,000	58,112	6,516,127,687	62	6,958,249
30-34	59.9	6.8	62.6	77	9,194,742	78,839	9,011,263,274	128	14,682,435
35-39	56.8	5.3	58.8	114	13,611,333	79,034	9,122,732,686	201	23,158,943
40-44	58.3	4.5	57.5	166	19,032,750	67,809	7,871,120,192	285	33,082,673
45-49	52.9	4.1	53.6	163	18,968,885	43,919	5,038,524,460	308	35,370,387
50-54	56.5	4.6	55.5	148	16,809,205	22,786	2,620,037,749	263	30,302,505
55-59	50.8	5.9	48.5	75	8,155,322	8,365	947,299,973	148	16,804,458
60-64	53.9	11.5	53.8	22	2,475,000	1,561	174,118,376	41	4,600,535
65+	58.7	26.2	52.1	5	500,000	250	27,765,919	9	959,237
Total	56.9	2.0	56.8	831	95,324,737	384,013	43,920,224,075	1,461	167,809,874
By Attained Age
20-24	61.0	27.3	59.5	5	542,500	12,718	1,415,491,358	8	911,842
25-29	79.2	14.2	76.4	31	3,335,000	43,517	4,851,954,839	39	4,364,576
30-34	54.9	7.7	55.5	51	5,844,742	69,197	7,843,048,922	93	10,524,093
35-39	64.5	6.4	66.6	101	11,986,333	77,743	8,939,190,823	157	18,005,773
40-44	55.6	4.9	56.1	130	15,207,000	72,663	8,428,083,800	234	27,104,287
45-49	54.1	4.3	53.5	155	17,710,750	53,818	6,213,661,421	287	33,097,059
50-54	53.5	4.3	53.5	152	17,558,885	32,649	3,756,664,723	285	32,839,019
55-59	51.9	4.8	52.0	116	13,344,405	15,813	1,805,876,348	224	25,686,486
60-64	68.5	8.2	65.5	69	7,495,122	4,777	541,166,835	101	11,449,089
65+	59.0	13.2	60.1	20	2,300,000	1,117	125,085,005	34	3,827,650
Total	56.9	2.0	56.8	831	95,324,737	384,013	43,920,224,075	1,461	167,809,874

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	39.6	10.2	32.6	15	4,500,000	11,261	4,013,894,649	38	13,783,010
2	39.4	10.2	40.8	15	5,636,667	10,009	3,535,609,378	38	13,800,443
3	71.2	13.7	87.2	27	11,916,854	8,804	3,088,967,463	38	13,665,678
4	72.4	14.8	83.7	24	10,000,000	7,012	2,453,049,271	33	11,954,209
5	61.2	15.3	53.7	16	5,025,000	5,106	1,786,335,851	26	9,350,178
6	73.0	19.5	88.2	14	5,900,000	3,339	1,152,677,727	19	6,692,931
7+	67.8	14.8	57.4	21	6,300,000	4,463	1,558,052,337	31	10,972,012
Total	59.1	5.1	61.4	132	49,278,521	49,995	17,588,586,676	223	80,218,461
By Issue Age
20-24	0.0	0.0	0.0	0	0	1,311	381,232,518	1	267,007
25-29	45.8	32.4	53.4	2	750,000	4,091	1,316,231,353	4	1,405,268
30-34	68.4	21.6	55.6	10	2,750,000	9,168	3,119,101,321	15	4,945,091
35-39	60.1	14.2	76.5	18	8,080,000	12,206	4,329,244,086	30	10,558,888
40-44	62.3	11.6	55.7	29	9,381,854	11,160	4,059,339,172	47	16,848,621
45-49	41.2	9.2	48.4	20	8,616,667	6,855	2,500,580,744	49	17,806,192
50-54	63.3	12.4	62.8	26	9,450,000	3,440	1,257,427,790	41	15,053,228
55-59	81.9	17.9	87.8	21	7,900,000	1,379	480,195,882	26	8,996,816
60-64	49.3	22.0	55.1	5	2,100,000	349	131,812,224	10	3,809,918
65+	70.4	70.4	47.4	1	250,000	36	13,421,586	1	527,432
Total	59.1	5.1	61.4	132	49,278,521	49,995	17,588,586,676	223	80,218,461
By Attained Age
20-24	0.0	0.0	0.0	0	0	764	217,719,180	0	137,166
25-29	0.0	0.0	0.0	0	0	2,706	855,266,069	2	760,275
30-34	79.4	30.0	67.9	7	2,000,000	6,700	2,242,074,544	9	2,943,350
35-39	51.3	15.5	40.5	11	3,030,000	10,993	3,853,782,139	21	7,480,337
40-44	57.7	12.6	72.5	21	9,531,854	11,615	4,202,532,552	36	13,149,423
45-49	53.2	10.6	57.7	25	9,790,000	8,801	3,175,101,247	47	16,967,746
50-54	50.2	10.5	46.2	23	7,726,667	5,052	1,828,344,413	46	16,709,908
55-59	69.0	13.8	70.1	25	9,250,000	2,388	866,349,521	36	13,201,560
60+	81.1	18.1	89.6	20	7,950,000	976	347,417,011	25	8,868,697
Total	59.1	5.1	61.4	132	49,278,521	49,995	17,588,586,676	223	80,218,461

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	13.8	4.0	13.1	12	265,000	19,165	444,074,694	88	2,016,739
2	39.4	6.6	45.6	36	960,574	17,527	408,864,808	92	2,104,682
3	33.9	6.1	37.0	31	786,843	15,284	359,457,025	92	2,127,561
4	40.3	7.0	40.6	33	784,625	12,189	288,440,834	83	1,930,758
5	48.3	8.5	46.1	32	722,121	8,635	205,665,665	66	1,565,178
6	63.2	11.7	67.2	29	733,758	5,350	128,563,832	46	1,091,716
7+	53.3	9.7	61.4	30	865,500	5,132	127,487,945	56	1,410,201
Total	39.0	2.7	41.8	204	5,118,421	83,282	1,962,554,805	523	12,246,836
By Issue Age
20-24	53.3	37.7	96.9	2	75,000	5,790	118,986,640	4	77,382
25-29	103.0	34.3	114.8	9	225,000	9,737	218,486,354	9	195,910
30-34	13.4	9.5	14.4	2	50,000	10,915	253,722,360	15	347,910
35-39	35.8	11.8	44.3	9	279,581	11,800	286,696,247	26	631,129
40-44	34.1	8.0	35.0	18	462,346	13,257	329,068,985	53	1,320,731
45-49	42.4	6.6	44.5	41	1,075,724	13,514	335,775,377	97	2,415,300
50-54	32.5	5.0	34.5	42	1,074,100	10,191	243,009,467	130	3,113,854
55-59	44.6	6.1	50.5	53	1,341,131	5,850	129,761,921	119	2,654,193
60+	38.1	7.3	35.9	27	535,539	2,228	47,047,455	71	1,490,427
Total	39.0	2.7	41.8	204	5,118,421	83,282	1,962,554,805	523	12,246,836
By Attained Age
20-24	50.5	50.5	62.1	1	25,000	3,349	67,761,177	2	40,231
25-29	93.2	38.1	130.0	6	185,000	8,345	183,982,748	6	142,298
30-34	25.5	14.7	18.6	3	50,000	10,336	236,027,781	12	268,753
35-39	21.1	10.5	29.7	4	135,000	10,997	262,737,631	19	455,085
40-44	41.1	10.5	45.7	15	416,927	12,572	307,306,769	37	912,018
45-49	31.7	6.6	32.0	23	580,000	13,485	336,335,025	73	1,814,165
50-54	40.0	6.0	43.6	44	1,170,324	11,533	279,632,038	111	2,682,775
55-59	32.1	4.9	34.6	42	1,054,643	7,958	184,843,552	132	3,047,440
60-64	51.9	7.6	56.0	46	1,108,376	3,540	79,258,815	89	1,980,723
65+	44.2	10.1	43.5	19	393,151	1,166	24,669,269	43	903,349
Total	39.0	2.7	41.8	204	5,118,421	83,282	1,962,554,805	523	12,246,836

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	26.0	5.2	28.3	25	1,466,000	27,086	1,482,579,688	96	5,184,009
2	43.4	6.5	42.3	44	2,328,703	24,855	1,365,158,796	102	5,501,495
3	43.2	6.5	42.2	44	2,323,816	21,679	1,193,461,272	102	5,512,497
4	56.9	7.7	56.0	54	2,893,086	17,742	977,493,718	95	5,167,932
5	60.2	8.7	60.0	48	2,596,000	13,159	724,623,754	80	4,323,657
6	57.1	9.8	56.9	34	1,841,725	8,669	476,847,928	60	3,234,080
7+	54.2	7.5	53.6	52	2,788,000	10,955	598,819,932	96	5,203,930
Total	47.8	2.8	47.6	301	16,237,330	124,145	6,818,985,087	630	34,127,600
By Issue Age
20-24	24.9	24.9	22.7	1	50,000	6,110	335,513,369	4	220,600
25-29	45.0	18.4	50.2	6	372,296	14,581	812,491,718	13	742,150
30-34	22.6	9.2	21.3	6	312,371	19,047	1,056,631,073	27	1,469,087
35-39	35.5	8.4	35.6	18	1,008,021	22,252	1,242,126,323	51	2,830,518
40-44	44.2	6.7	43.9	44	2,401,629	24,428	1,342,764,852	100	5,469,965
45-49	49.2	5.8	48.1	72	3,798,500	19,874	1,074,232,454	146	7,898,515
50-54	49.1	5.7	49.8	75	4,079,036	11,866	636,015,046	153	8,197,004
55-59	64.8	8.0	64.6	65	3,477,477	4,853	259,132,072	101	5,380,029
60-64	47.7	12.7	47.9	14	738,000	967	50,816,935	29	1,541,770
65+	0.0	0.0	0.0	0	0	167	9,261,243	7	377,963
Total	47.8	2.8	47.6	301	16,237,330	124,145	6,818,985,087	630	34,127,600
By Attained Age
20-24	51.2	51.2	46.5	1	50,000	3,271	180,187,537	2	107,512
25-29	46.5	23.2	51.9	4	247,296	11,070	613,808,596	9	476,445
30-34	25.7	11.5	26.6	5	287,371	17,004	945,571,993	19	1,078,906
35-39	31.8	9.6	30.9	11	594,773	19,966	1,111,598,324	35	1,924,470
40-44	31.7	6.7	32.1	22	1,237,334	23,535	1,302,747,054	70	3,852,761
45-49	51.6	6.7	50.8	60	3,222,543	21,768	1,188,461,124	116	6,341,913
50-54	39.7	5.2	39.7	59	3,162,536	15,646	839,990,418	148	7,967,665
55-59	63.7	6.8	62.9	87	4,620,000	8,390	450,165,925	137	7,344,691
60-64	57.8	9.1	58.2	40	2,152,477	2,797	149,286,017	69	3,699,187
65+	48.1	13.9	49.7	12	663,000	696	37,168,100	25	1,334,050
Total	47.8	2.8	47.6	301	16,237,330	124,145	6,818,985,087	630	34,127,600

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	30.9	5.0	32.7	38	4,705,000	43,319	5,004,280,403	123	14,393,893
2	60.0	6.8	58.0	78	8,795,200	39,831	4,606,214,944	130	15,160,469
3	59.2	6.7	60.0	77	9,147,000	34,974	4,060,918,401	131	15,238,081
4	54.9	6.8	54.0	66	7,573,885	28,027	3,260,505,426	120	14,032,049
5	53.9	7.3	54.1	54	6,316,538	20,385	2,371,047,015	100	11,669,790
6	57.7	8.8	56.4	43	4,912,667	13,528	1,578,960,906	75	8,712,049
7+	64.5	7.1	69.1	83	10,416,000	17,222	2,015,503,224	129	15,076,520
Total	54.4	2.6	55.0	440	51,866,290	197,286	22,897,430,319	808	94,282,851
By Issue Age
20-24	82.4	33.7	79.9	6	650,000	11,034	1,234,735,359	7	813,687
25-29	102.2	20.1	104.7	26	3,010,000	27,588	3,116,589,709	25	2,875,033
30-34	51.9	9.6	57.0	29	3,685,000	39,699	4,587,176,899	56	6,463,901
35-39	52.4	7.6	53.0	48	5,718,333	40,716	4,778,827,040	92	10,786,917
40-44	53.2	6.0	53.4	78	9,282,000	36,114	4,262,331,290	147	17,391,966
45-49	48.6	5.3	50.2	84	10,143,885	23,238	2,714,798,256	173	20,191,085
50-54	59.5	5.9	60.2	100	11,864,205	12,810	1,502,141,002	168	19,713,673
55-59	47.1	6.8	45.2	48	5,312,867	4,919	567,057,003	102	11,757,692
60-64	48.7	12.6	48.1	15	1,700,000	1,005	114,916,040	31	3,530,758
65+	76.4	34.2	66.0	5	500,000	162	18,857,722	7	758,138
Total	54.4	2.6	55.0	440	51,866,290	197,286	22,897,430,319	808	94,282,851
By Attained Age
20-24	55.5	39.2	61.6	2	250,000	6,015	676,453,393	4	405,595
25-29	99.8	24.9	97.7	16	1,760,000	20,438	2,294,390,707	16	1,801,334
30-34	58.2	12.1	61.5	23	2,785,000	34,215	3,917,295,455	40	4,527,833
35-39	61.0	9.4	62.6	42	5,028,333	39,679	4,619,889,041	69	8,037,888
40-44	56.4	7.1	55.2	63	7,302,000	38,012	4,485,054,296	112	13,233,470
45-49	41.0	5.2	42.9	62	7,630,000	28,466	3,345,944,528	151	17,793,986
50-54	50.2	5.5	51.0	84	10,033,885	17,651	2,068,985,699	168	19,655,627
55-59	55.4	6.1	57.0	83	9,974,405	9,153	1,070,105,112	150	17,511,821
60-64	67.2	9.6	64.1	49	5,352,667	2,937	336,712,047	73	8,351,741
65+	58.2	15.0	59.1	15	1,750,000	720	82,600,042	26	2,963,556
Total	54.4	2.6	55.0	440	51,866,290	197,286	22,897,430,319	808	94,282,851

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	10.0	24.9	7	2,500,000	7,625	2,825,642,869	27	10,040,277
2	36.6	11.6	35.4	10	3,626,667	6,851	2,511,689,479	27	10,259,064
3	83.1	17.3	97.7	23	10,116,854	6,080	2,214,147,334	28	10,357,766
4	61.2	15.8	67.0	15	6,150,000	4,879	1,776,093,375	25	9,183,730
5	40.8	14.4	41.4	8	3,000,000	3,610	1,310,748,463	20	7,242,347
6	68.2	21.6	73.2	10	3,850,000	2,380	847,519,219	15	5,257,997
7+	46.5	14.0	39.8	11	3,450,000	3,163	1,144,344,554	24	8,677,171
Total	51.2	5.6	53.6	84	32,693,521	34,589	12,630,185,293	164	61,018,352
By Issue Age
20-24	0.0	0.0	0.0	0	0	823	242,697,289	1	160,187
25-29	0.0	0.0	0.0	0	0	2,459	802,193,110	2	767,632
30-34	45.6	22.8	32.2	4	1,000,000	6,063	2,137,411,662	9	3,103,004
35-39	46.5	15.5	69.6	9	4,905,000	8,463	3,091,409,069	19	7,049,968
40-44	55.3	13.0	49.0	18	6,021,854	7,956	3,017,205,312	33	12,281,169
45-49	36.3	10.1	37.1	13	5,116,667	4,897	1,878,966,077	36	13,783,253
50-54	51.6	12.5	52.0	17	6,400,000	2,563	961,958,325	33	12,301,645
55-59	81.4	19.7	91.7	17	6,900,000	1,020	368,800,822	21	7,523,868
60-64	52.9	23.6	59.2	5	2,100,000	312	117,205,374	9	3,547,470
65+	75.1	75.1	50.0	1	250,000	33	12,338,253	1	500,156
Total	51.2	5.6	53.6	84	32,693,521	34,589	12,630,185,293	164	61,018,352
By Attained Age
20-24	0.0	0.0	0.0	0	0	468	134,504,711	0	81,040
25-29	0.0	0.0	0.0	0	0	1,645	526,370,334	1	423,846
30-34	79.1	39.6	57.1	4	1,000,000	4,265	1,470,731,508	5	1,750,352
35-39	22.8	13.1	18.9	3	905,000	7,453	2,699,607,898	13	4,779,900
40-44	48.9	14.1	66.1	12	6,121,854	8,246	3,102,813,020	25	9,264,941
45-49	41.8	11.2	40.6	14	5,090,000	6,277	2,352,063,328	33	12,544,388
50-54	48.8	11.8	44.8	17	5,926,667	3,646	1,383,550,650	35	13,237,736
55-59	60.5	14.3	60.5	18	6,700,000	1,810	677,232,615	30	11,081,005
60+	74.4	18.6	88.5	16	6,950,000	778	283,311,230	22	7,855,145
Total	51.2	5.6	53.6	84	32,693,521	34,589	12,630,185,293	164	61,018,352

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	16.6	3.8	17.3	19	463,361	27,077	634,220,098	116	2,670,957
2	41.2	5.9	41.7	48	1,129,799	24,796	585,651,628	116	2,709,381
3	50.2	6.7	51.1	56	1,344,929	21,700	515,530,233	112	2,631,258
4	56.7	7.6	58.4	55	1,343,774	17,109	408,446,811	97	2,302,644
5	41.6	7.5	44.7	31	800,179	11,938	288,130,702	75	1,790,267
6	56.0	10.6	55.4	28	672,491	7,228	176,235,041	50	1,214,173
7+	40.1	8.7	38.8	21	515,000	6,256	157,896,292	52	1,326,826
Total	41.8	2.6	42.8	258	6,269,533	116,103	2,766,110,804	619	14,645,506
By Issue Age
20-24	62.4	31.2	74.2	4	100,000	8,144	170,793,598	6	134,824
25-29	51.7	18.3	49.0	8	170,000	13,209	296,512,848	15	347,057
30-34	58.8	15.2	68.8	15	415,000	14,046	331,842,117	26	603,085
35-39	36.9	9.2	39.4	16	422,750	15,394	380,225,824	43	1,074,150
40-44	54.0	8.1	58.3	44	1,197,804	19,024	477,901,925	82	2,054,939
45-49	37.0	5.5	36.6	46	1,159,077	19,190	485,457,301	125	3,164,501
50-54	39.6	5.3	36.8	56	1,268,820	15,091	366,562,805	142	3,450,886
55-59	38.5	5.9	39.9	43	984,840	8,501	186,991,323	112	2,466,973
60+	38.3	7.5	40.9	26	551,242	3,503	69,823,061	68	1,349,091
Total	41.8	2.6	42.8	258	6,269,533	116,103	2,766,110,804	619	14,645,506
By Attained Age
20-24	63.8	45.1	76.7	2	50,000	4,571	94,781,574	3	65,212
25-29	68.2	24.1	65.6	8	170,000	11,823	261,079,431	12	259,132
30-34	29.5	12.0	31.7	6	150,000	13,381	310,554,988	20	473,028
35-39	45.1	11.6	54.6	15	439,000	14,371	346,303,520	33	803,522
40-44	60.8	9.9	61.9	38	970,688	17,592	439,709,443	63	1,567,162
45-49	40.1	6.3	41.8	41	1,072,743	18,927	474,375,760	102	2,564,897
50-54	39.0	5.4	38.1	52	1,266,720	16,917	420,556,357	134	3,327,230
55-59	36.5	5.3	35.9	48	1,098,603	11,616	271,586,365	132	3,064,281
60-64	39.2	7.0	38.3	31	654,779	5,084	110,266,247	79	1,710,627
65+	42.3	10.3	49.0	17	397,000	1,822	36,897,120	40	810,417
Total	41.8	2.6	42.8	258	6,269,533	116,103	2,766,110,804	619	14,645,506

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	37.5	5.8	37.5	42	2,252,500	33,460	1,802,953,687	112	6,004,031
2	48.6	6.6	50.4	55	3,056,254	30,195	1,634,432,064	113	6,063,088
3	51.2	6.8	49.8	56	2,944,124	26,385	1,434,867,836	110	5,909,213
4	55.5	7.4	55.8	56	3,036,388	21,909	1,195,510,888	101	5,444,820
5	55.8	8.2	54.3	46	2,421,527	16,285	890,406,176	83	4,461,853
6	42.4	8.5	43.1	25	1,373,000	10,649	582,348,799	59	3,187,984
7+	73.3	9.0	74.9	66	3,606,323	13,417	728,145,352	90	4,812,952
Total	51.9	2.8	52.1	347	18,690,116	152,299	8,268,664,803	668	35,883,940
By Issue Age
20-24	47.2	27.2	50.5	3	175,000	7,964	434,634,778	6	346,565
25-29	72.0	18.0	77.1	16	941,527	18,773	1,031,439,956	22	1,221,566
30-34	56.1	11.4	59.1	24	1,392,634	23,104	1,270,639,677	43	2,356,847
35-39	58.1	8.5	59.0	47	2,643,689	28,061	1,548,321,215	81	4,481,773
40-44	62.1	6.8	62.2	82	4,453,963	30,220	1,634,584,243	132	7,157,529
45-49	60.3	6.2	60.1	95	5,066,303	23,784	1,274,075,485	157	8,424,856
50-54	35.8	5.2	33.9	47	2,340,000	13,870	731,075,536	131	6,911,536
55-59	31.5	6.8	31.5	21	1,117,000	5,073	267,221,404	67	3,540,721
60-64	41.6	13.1	40.0	10	510,000	1,317	69,814,464	24	1,275,777
65+	30.7	30.7	30.0	1	50,000	134	6,858,046	3	166,768
Total	51.9	2.8	52.1	347	18,690,116	152,299	8,268,664,803	668	35,883,940
By Attained Age
20-24	35.0	35.0	32.0	1	50,000	4,152	227,468,503	3	156,164
25-29	73.8	22.2	82.0	11	666,527	14,964	816,778,375	15	812,935
30-34	57.1	13.5	57.9	18	1,000,000	20,742	1,137,813,046	32	1,727,020
35-39	39.1	8.3	42.7	22	1,331,323	24,388	1,343,335,562	57	3,114,814
40-44	61.2	7.7	61.3	63	3,468,065	29,247	1,601,911,868	103	5,661,257
45-49	66.3	6.8	66.3	94	5,061,388	26,530	1,431,534,445	142	7,637,266
50-54	51.4	5.9	50.3	76	3,955,813	18,905	1,006,008,378	148	7,866,564
55-59	35.1	5.8	34.0	37	1,890,000	9,508	500,640,365	106	5,554,438
60-64	40.7	9.3	40.8	19	1,007,000	3,064	161,145,131	47	2,469,184
65+	29.7	13.3	29.4	5	260,000	799	42,029,130	17	884,300
Total	51.9	2.8	52.1	347	18,690,116	152,299	8,268,664,803	668	35,883,940

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	32.3	5.3	31.3	37	4,017,500	42,184	4,734,517,561	114	12,848,129
2	54.7	6.9	53.2	63	6,899,742	38,390	4,314,932,833	115	12,959,530
3	65.3	7.6	65.8	73	8,308,000	33,667	3,792,446,121	112	12,630,614
4	70.7	8.5	70.5	70	7,860,000	26,701	3,011,216,006	99	11,150,982
5	70.5	9.5	75.0	55	6,580,000	19,014	2,143,791,966	78	8,768,461
6	70.2	11.2	63.6	39	3,975,750	12,340	1,392,633,649	56	6,252,145
7+	68.3	9.3	65.2	54	5,817,455	14,432	1,633,255,619	79	8,917,162
Total	59.9	3.0	59.1	391	43,458,447	186,727	21,022,793,756	653	73,527,023
By Issue Age
20-24	71.7	27.1	66.6	7	717,500	12,304	1,356,498,400	10	1,076,765
25-29	57.3	12.5	53.9	21	2,200,000	30,524	3,399,537,978	37	4,083,216
30-34	66.1	9.5	67.0	48	5,509,742	39,140	4,424,086,376	73	8,218,534
35-39	60.5	7.4	63.8	66	7,893,000	38,318	4,343,905,646	109	12,372,026
40-44	63.8	6.8	62.1	88	9,750,750	31,695	3,608,788,903	138	15,690,707
45-49	58.4	6.6	58.1	79	8,825,000	20,681	2,323,726,204	135	15,179,302
50-54	51.0	7.3	46.7	48	4,945,000	9,977	1,117,896,746	95	10,588,832
55-59	59.2	11.4	56.3	27	2,842,455	3,445	380,242,970	46	5,046,766
60-64	69.7	26.3	72.4	7	775,000	555	59,202,336	10	1,069,776
65+	0.0	0.0	0.0	0	0	88	8,908,197	2	201,098
Total	59.9	3.0	59.1	391	43,458,447	186,727	21,022,793,756	653	73,527,023
By Attained Age
20-24	65.3	37.7	57.8	3	292,500	6,703	739,037,965	5	506,247
25-29	64.9	16.8	61.4	15	1,575,000	23,079	2,557,564,132	23	2,563,242
30-34	52.4	9.9	51.0	28	3,059,742	34,982	3,925,753,467	53	5,996,261
35-39	67.2	8.7	69.8	59	6,958,000	38,064	4,319,301,782	88	9,967,884
40-44	55.0	6.7	57.0	67	7,905,000	34,650	3,943,029,504	122	13,870,817
45-49	68.7	7.1	65.9	93	10,080,750	25,353	2,867,716,893	135	15,303,073
50-54	58.2	7.1	57.1	68	7,525,000	14,998	1,687,679,024	117	13,183,392
55-59	44.6	7.8	41.2	33	3,370,000	6,660	735,771,237	74	8,174,665
60-64	71.7	16.0	69.2	20	2,142,455	1,840	204,454,789	28	3,097,348
65+	61.6	27.6	63.7	5	550,000	398	42,484,963	8	864,095
Total	59.9	3.0	59.1	391	43,458,447	186,727	21,022,793,756	653	73,527,023

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	70.8	25.0	53.4	8	2,000,000	3,636	1,188,251,780	11	3,742,733
2	46.5	20.7	56.8	5	2,010,000	3,159	1,023,919,899	11	3,541,379
3	39.1	19.5	54.4	4	1,800,000	2,724	874,820,129	10	3,307,912
4	104.1	34.7	139.0	9	3,850,000	2,133	676,955,896	9	2,770,478
5+	119.7	25.5	118.6	22	6,925,000	3,755	1,194,453,679	18	5,837,606
Total	80.9	11.7	86.4	48	16,585,000	15,406	4,958,401,383	59	19,200,109
By Issue Age
20-24	0.0	0.0	0.0	0	0	488	138,535,229	0	106,819
25-29	98.9	69.9	117.6	2	750,000	1,632	514,038,243	2	637,636
30-34	102.8	42.0	95.0	6	1,750,000	3,105	981,689,660	6	1,842,087
35-39	84.8	28.3	90.5	9	3,175,000	3,743	1,237,835,018	11	3,508,921
40-44	78.4	23.6	73.6	11	3,360,000	3,204	1,042,133,860	14	4,567,452
45-49	54.9	20.7	87.0	7	3,500,000	1,957	621,614,667	13	4,022,939
50-54	110.1	36.7	110.8	9	3,050,000	878	295,469,465	8	2,751,583
55-59	84.1	42.1	67.9	4	1,000,000	359	111,395,060	5	1,472,948
60+	0.0	0.0	0.0	0	0	40	15,690,183	1	289,723
Total	80.9	11.7	86.4	48	16,585,000	15,406	4,958,401,383	59	19,200,109
By Attained Age
20-24	0.0	0.0	0.0	0	0	296	83,214,469	0	56,125
25-29	0.0	0.0	0.0	0	0	1,060	328,895,735	1	336,429
30-34	79.7	46.0	83.8	3	1,000,000	2,435	771,343,036	4	1,192,998
35-39	96.8	34.2	78.7	8	2,125,000	3,539	1,154,174,241	8	2,700,438
40-44	75.9	25.2	87.8	9	3,410,000	3,369	1,099,719,532	12	3,884,481
45-49	81.1	24.4	106.3	11	4,700,000	2,524	823,037,919	14	4,423,358
50-54	54.7	22.3	51.8	6	1,800,000	1,406	444,793,763	11	3,472,172
55-59	107.8	40.7	120.3	7	2,550,000	578	189,116,907	6	2,120,555
60+	127.4	63.7	98.7	4	1,000,000	198	64,105,781	3	1,013,552
Total	80.9	11.7	86.4	48	16,585,000	15,406	4,958,401,383	59	19,200,109

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.1 TOTAL EXPERIENCE BY ILLNESS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	65.7	1.6	73.3	1,719	150,606,492	1,023,663	88,457,735,968	2,617	205,489,677
Cardio	37.9	1.7	37.2	493	41,502,755	1,023,663	88,457,735,968	1,299	111,621,198
Organ	7.5	2.2	6.4	12	894,477	1,009,898	87,397,067,239	160	13,932,427
Neuro	30.9	2.9	42.0	110	12,022,291	1,009,799	87,390,017,171	356	28,590,836
Accident/Infectious	52.2	9.7	52.4	29	2,495,000	1,011,665	87,515,291,556	56	4,759,073
LOIE	0.0	0.0	0.0	0	0	156,474	14,342,801,186	9	787,597
Non-LT	93.3	21.6	108.6	19	1,962,700	452,445	9,809,887,700	20	1,808,064
Total	52.7	1.1	57.1	2,382	209,483,715	5,687,608	463,370,536,787	4,516	366,988,872

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.2 TOTAL EXPERIENCE BY ILLNESS -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	65.7	2.5	71.3	709	69,818,523	502,004	48,674,669,991	1,079	97,962,279
Cardio	40.6	2.1	39.6	390	35,237,367	502,004	48,674,669,991	962	89,086,626
Organ	10.1	3.2	7.2	10	679,477	494,577	48,049,661,206	99	9,484,929
Neuro	37.7	5.0	57.6	56	7,964,549	494,536	48,046,542,598	149	13,819,495
Accident/Infectious	47.8	12.3	50.4	15	1,510,000	495,541	48,116,188,759	31	2,997,013
LOIE	0.0	0.0	0.0	0	0	75,439	8,051,188,993	4	470,856
Non-LT	135.7	33.7	151.9	16	1,802,100	226,719	5,435,717,455	12	1,186,594
Total	51.2	1.5	54.4	1,196	117,012,016	2,790,821	255,048,638,993	2,336	215,007,792

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.3 TOTAL EXPERIENCE BY ILLNESS -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	65.7	2.1	75.1	1,010	80,787,969	521,659	39,783,065,977	1,538	107,527,398
Cardio	30.5	3.0	27.8	103	6,265,388	521,659	39,783,065,977	338	22,534,572
Organ	3.3	2.3	4.8	2	215,000	515,320	39,347,406,033	61	4,447,498
Neuro	26.0	3.5	27.5	54	4,057,742	515,262	39,343,474,573	208	14,771,341
Accident/Infectious	58.0	15.5	55.9	14	985,000	516,124	39,399,102,796	24	1,762,060
LOIE	0.0	0.0	0.0	0	0	81,035	6,291,612,193	4	316,741
Non-LT	29.8	19.3	25.8	2	160,600	225,726	4,374,170,245	8	621,469
Total	54.4	1.6	60.8	1,185	92,471,699	2,896,787	208,321,897,794	2,181	151,981,080

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.4 TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	85.2	6.2	96.0	191	11,672,614	114,750	7,142,026,009	224	12,163,919
Cardio	89.4	9.0	83.7	99	5,460,193	114,750	7,142,026,009	111	6,525,523
Organ	6.3	6.3	5.1	1	50,000	112,995	7,041,984,696	16	976,152
Neuro	42.8	11.4	56.3	14	1,050,000	112,990	7,041,784,696	33	1,863,711
Accident/Infectious	49.3	28.4	78.6	3	300,000	113,239	7,057,174,047	6	381,841
LOIE & Non-LT	28.6	35.4	22.2	1	32,250	57,132	1,654,101,416	2	145,508
Total	78.8	4.5	84.2	309	18,565,057	625,857	37,079,096,872	392	22,056,655

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.5 TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	76.3	8.9	85.1	73	5,096,139	63,205	4,371,364,991	96	5,989,588
Cardio	95.6	10.6	90.1	81	4,803,065	63,205	4,371,364,991	85	5,329,737
Organ	9.5	9.5	7.1	1	50,000	62,247	4,314,706,350	10	701,188
Neuro	61.9	20.6	86.5	9	820,000	62,247	4,314,706,350	15	948,001
Accident/Infectious	77.7	44.9	112.8	3	300,000	62,401	4,323,966,768	4	265,924
LOIE	0.0	0.0	0.0	0	0	9,123	694,181,813	0	34,718
Non-LT	61.5	83.0	43.3	1	27,250	23,207	353,585,011	1	62,996
Total	79.5	6.1	83.2	168	11,096,454	345,635	22,743,876,275	211	13,332,152

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 4.6 TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Claim Impairment
Cancer	91.9	8.5	106.5	118	6,576,475	51,544	2,770,661,018	128	6,174,331
Cardio	69.1	16.3	55.0	18	657,128	51,544	2,770,661,018	26	1,195,787
Organ	0.0	0.0	0.0	0	0	50,749	2,727,278,346	5	274,964
Neuro	27.5	12.3	25.1	5	230,000	50,744	2,727,078,346	18	915,710
Accident/Infectious	0.0	0.0	0.0	0	0	50,838	2,733,207,279	2	115,917
LOIE & Non-LT	11.1	35.2	10.5	0	5,000	24,802	606,334,591	1	47,794
Total	77.9	6.6	85.6	141	7,468,603	280,222	14,335,220,597	181	8,724,503

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
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	1.6	71.9	1,528	138,933,878	908,914	81,315,709,959	2,392	193,325,758
Cardio	33.1	1.7	34.3	394	36,042,562	908,914	81,315,709,959	1,189	105,095,674
Organ	7.6	2.3	6.5	11	844,477	896,902	80,355,082,543	144	12,956,275
Neuro	29.7	3.0	41.1	96	10,972,291	896,808	80,348,232,475	323	26,727,125
Accident/Infectious	52.6	10.3	50.1	26	2,195,000	898,426	80,458,117,509	49	4,377,232
LOIE	0.0	0.0	0.0	0	0	140,218	13,267,321,553	8	734,884
Non-LT	96.9	22.8	112.5	18	1,930,450	411,569	9,231,265,916	19	1,715,268
Total	50.3	1.1	55.3	2,073	190,918,658	5,061,751	426,291,439,915	4,125	344,932,217

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Claim Impairment
Cancer	64.7	2.6	70.4	636	64,722,384	438,799	44,303,305,000	983	91,972,691
Cardio	35.2	2.0	36.3	309	30,434,302	438,799	44,303,305,000	877	83,756,889
Organ	10.2	3.4	7.2	9	629,477	432,331	43,734,954,856	88	8,783,741
Neuro	35.0	5.1	55.5	47	7,144,549	432,290	43,731,836,248	134	12,871,494
Accident/Infectious	43.6	12.6	44.3	12	1,210,000	433,140	43,792,221,991	28	2,731,089
LOIE	0.0	0.0	0.0	0	0	66,316	7,357,007,180	4	436,137
Non-LT	141.7	35.8	158.0	16	1,774,850	203,512	5,082,132,443	11	1,123,598
Total	48.4	1.5	52.5	1,029	105,915,562	2,445,186	232,304,762,718	2,125	201,675,640

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
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	63.3	2.1	73.2	892	74,211,494	470,115	37,012,404,959	1,409	101,353,067
Cardio	27.3	3.0	26.3	85	5,608,260	470,115	37,012,404,959	312	21,338,785
Organ	3.6	2.5	5.2	2	215,000	464,571	36,620,127,687	56	4,172,534
Neuro	25.9	3.7	27.6	49	3,827,742	464,519	36,616,396,227	189	13,855,632
Accident/Infectious	63.9	17.1	59.8	14	985,000	465,286	36,665,895,518	22	1,646,143
LOIE	0.0	0.0	0.0	0	0	73,902	5,910,314,374	4	298,747
Non-LT	30.6	20.2	26.3	2	155,600	208,057	4,149,133,473	7	591,670
Total	52.2	1.6	59.3	1,044	85,003,096	2,616,565	193,986,677,197	2,000	143,256,578

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.1 HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	5.5	41.1	38	3,942,500	232,695	19,933,297,203	113	9,591,563
2	27.9	4.9	22.1	33	2,225,000	210,073	17,951,429,877	118	10,081,570
3	41.4	5.9	46.7	49	4,753,807	182,763	15,695,221,044	118	10,187,783
4	39.7	6.1	38.7	43	3,606,303	146,065	12,547,122,834	108	9,328,863
5	37.2	6.5	30.6	33	2,346,527	105,135	9,073,249,404	89	7,662,030
6	57.2	9.4	59.8	37	3,382,771	67,750	5,912,499,374	65	5,657,580
7+	40.4	6.4	42.3	40	3,910,000	79,183	7,344,916,233	99	9,238,841
Total	38.5	2.3	39.1	273	24,166,908	1,023,663	88,457,735,968	709	61,748,230

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.2 MALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	38.3	6.7	42.7	33	3,357,500	113,521	10,872,645,541	86	7,868,994
2	32.1	6.0	25.5	29	2,105,000	102,549	9,802,150,878	90	8,265,544
3	44.4	7.0	50.9	40	4,245,807	89,085	8,588,392,748	90	8,337,609
4	47.5	7.6	43.8	39	3,330,000	71,193	6,881,069,890	82	7,610,279
5	41.7	7.9	33.4	28	2,085,000	51,529	5,016,667,663	67	6,239,657
6	69.3	11.9	69.4	34	3,198,643	33,555	3,293,538,872	49	4,609,756
7+	48.8	8.0	48.5	37	3,675,000	40,573	4,220,204,400	76	7,572,984
Total	44.4	2.9	43.6	240	21,996,950	502,004	48,674,669,991	541	50,504,823

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.3 FEMALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	18.8	8.4	34.0	5	585,000	119,174	9,060,651,662	27	1,722,569
2	14.3	7.2	6.6	4	120,000	107,524	8,149,278,998	28	1,816,025
3	31.9	10.6	27.5	9	508,000	93,677	7,106,828,295	28	1,850,174
4	15.3	7.7	16.1	4	276,303	74,872	5,666,052,944	26	1,718,584
5	23.3	10.4	18.4	5	261,527	53,606	4,056,581,741	21	1,422,373
6	19.2	11.1	17.6	3	184,128	34,195	2,618,960,502	16	1,047,825
7+	13.0	7.5	14.1	3	235,000	38,611	3,124,711,833	23	1,665,858
Total	19.5	3.4	19.3	33	2,169,958	521,659	39,783,065,977	169	11,243,407

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.4 HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	104.9	30.3	109.7	12	697,500	29,502	1,820,445,252	11	635,673
2	98.8	29.8	87.5	11	545,000	24,718	1,502,993,710	11	622,539
3	113.6	32.8	109.5	12	669,065	20,438	1,251,059,646	11	610,901
4	98.2	32.7	118.2	9	645,000	15,455	953,310,949	9	545,703
5	83.5	34.1	76.9	6	335,000	10,645	663,686,296	7	435,861
6	173.1	57.7	129.6	9	422,628	6,667	424,519,623	5	325,985
7+	101.1	35.8	91.4	8	510,000	7,325	526,010,531	8	558,180
Total	107.0	13.1	102.4	67	3,824,193	114,750	7,142,026,009	63	3,734,842

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.5 MALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	109.7	34.7	116.3	10	622,500	16,526	1,118,481,939	9	535,049
2	124.7	37.6	104.6	11	545,000	13,617	911,772,607	9	521,047
3	144.2	41.6	130.8	12	669,065	11,154	761,273,965	8	511,697
4	125.1	41.7	141.2	9	645,000	8,398	579,012,445	7	456,916
5	71.2	35.6	68.5	4	250,000	5,757	404,808,303	6	365,071
6	170.0	64.3	122.9	7	338,500	3,640	261,811,988	4	275,539
7+	126.8	44.8	107.3	8	510,000	4,113	334,203,743	6	475,502
Total	123.2	15.8	114.0	61	3,580,065	63,205	4,371,364,991	49	3,140,821

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.6 FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	86.0	60.8	74.5	2	75,000	12,976	701,963,313	2	100,624
2	0.0	0.0	0.0	0	0	11,101	591,221,103	2	101,492
3	0.0	0.0	0.0	0	0	9,284	489,785,681	2	99,204
4	0.0	0.0	0.0	0	0	7,056	374,298,505	2	88,787
5	127.9	90.4	120.1	2	85,000	4,888	258,877,993	2	70,790
6	184.5	130.5	166.8	2	84,128	3,027	162,707,635	1	50,446
7+	0.0	0.0	0.0	0	0	3,212	191,806,788	2	82,677
Total	45.8	18.7	41.1	6	244,128	51,544	2,770,661,018	13	594,020

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 5.7 HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	5.0	36.2	26	3,245,000	203,192	18,112,851,951	101	8,955,889
2	20.6	4.4	17.8	22	1,680,000	185,355	16,448,436,166	107	9,459,030
3	34.4	5.6	42.7	37	4,084,742	162,325	14,444,161,397	108	9,576,883
4	34.3	5.9	33.7	34	2,961,303	130,610	11,593,811,884	99	8,783,160
5	33.1	6.4	27.8	27	2,011,527	94,490	8,409,563,108	82	7,226,169
6	47.1	8.9	55.5	28	2,960,143	61,082	5,487,979,751	59	5,331,595
7+	35.2	6.2	39.2	32	3,400,000	71,859	6,818,905,702	91	8,680,662
Total	31.8	2.2	35.1	206	20,342,715	908,914	81,315,709,959	647	58,013,388

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	29.9	6.2	37.3	23	2,735,000	96,994	9,754,163,601	77	7,333,945
2	22.1	5.2	20.1	18	1,560,000	88,932	8,890,378,271	81	7,744,497
3	34.3	6.5	45.7	28	3,576,742	77,931	7,827,118,783	82	7,825,913
4	40.1	7.3	37.5	30	2,685,000	62,795	6,302,057,445	75	7,153,363
5	39.0	8.0	31.2	24	1,835,000	45,772	4,611,859,360	62	5,874,586
6	60.0	11.6	66.0	27	2,860,143	29,915	3,031,726,884	45	4,334,217
7+	41.7	7.7	44.6	29	3,165,000	36,460	3,886,000,656	70	7,097,481
Total	36.4	2.7	38.9	179	18,416,885	438,799	44,303,305,000	491	47,364,002

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	12.4	7.2	31.4	3	510,000	106,198	8,358,688,350	24	1,621,945
2	15.6	7.8	7.0	4	120,000	96,423	7,558,057,895	26	1,714,533
3	34.6	11.5	29.0	9	508,000	84,394	6,617,042,614	26	1,750,970
4	16.6	8.3	17.0	4	276,303	67,815	5,291,754,439	24	1,629,797
5	15.1	8.7	13.1	3	176,527	48,718	3,797,703,749	20	1,351,583
6	6.9	6.9	10.0	1	100,000	31,168	2,456,252,867	15	997,379
7+	14.0	8.1	14.8	3	235,000	35,399	2,932,905,046	21	1,583,180
Total	17.3	3.3	18.1	27	1,925,830	470,115	37,012,404,959	156	10,649,386

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.1 LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	34.1	2.8	40.9	144	13,254,361	232,695	19,933,297,203	423	32,374,996
2	65.8	3.9	72.8	285	24,213,423	210,073	17,951,429,877	433	33,256,120
3	70.8	4.1	82.6	303	27,357,485	182,763	15,695,221,044	428	33,127,378
4	74.4	4.4	81.3	288	24,431,006	146,065	12,547,122,834	387	30,057,290
5	74.1	4.9	81.7	232	19,945,559	105,135	9,073,249,404	313	24,399,302
6	71.0	5.6	80.9	160	14,459,667	67,750	5,912,499,374	225	17,864,814
7+	78.2	4.8	78.9	263	22,681,848	79,183	7,344,916,233	336	28,752,466
Total	65.8	1.6	73.2	1,675	146,343,349	1,023,663	88,457,735,968	2,546	199,832,366

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.2 MALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	27.5	4.1	37.1	44	5,310,000	113,521	10,872,645,541	160	14,303,408
2	76.4	6.7	82.6	129	12,435,559	102,549	9,802,150,878	169	15,050,688
3	70.2	6.4	88.3	120	13,585,532	89,085	8,588,392,748	171	15,377,332
4	70.6	6.7	73.4	112	10,464,492	71,193	6,881,069,890	159	14,252,480
5	74.1	7.5	75.2	98	8,894,500	51,529	5,016,667,663	132	11,834,388
6	64.9	8.1	71.8	64	6,406,667	33,555	3,293,538,872	99	8,926,251
7+	75.4	6.8	71.7	122	11,217,000	40,573	4,220,204,400	162	15,637,883
Total	65.5	2.5	71.6	689	68,313,750	502,004	48,674,669,991	1,051	95,382,429

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.3 FEMALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	38.1	3.8	44.0	100	7,944,361	119,174	9,060,651,662	263	18,071,589
2	59.0	4.7	64.7	156	11,777,864	107,524	8,149,278,998	265	18,205,432
3	71.2	5.3	77.6	183	13,771,953	93,677	7,106,828,295	257	17,750,046
4	77.1	5.8	88.4	176	13,966,514	74,872	5,666,052,944	228	15,804,810
5	74.1	6.4	88.0	134	11,051,059	53,606	4,056,581,741	181	12,564,914
6	75.7	7.7	90.1	96	8,053,000	34,195	2,618,960,502	127	8,938,563
7+	80.8	6.8	87.4	141	11,464,848	38,611	3,124,711,833	174	13,114,583
Total	66.0	2.1	74.7	986	78,029,599	521,659	39,783,065,977	1,495	104,449,937

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.4 LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	36.0	9.3	59.8	15	1,295,000	29,502	1,820,445,252	42	2,165,780
2	75.5	13.8	82.7	30	1,700,000	24,718	1,502,993,710	40	2,056,470
3	116.2	17.7	168.3	43	3,275,008	20,438	1,251,059,646	37	1,946,499
4	88.6	16.7	54.5	28	923,186	15,455	953,310,949	32	1,694,602
5	102.4	20.5	123.5	25	1,635,480	10,645	663,686,296	24	1,324,307
6	75.9	21.0	62.4	13	600,000	6,667	424,519,623	17	960,983
7+	117.8	21.5	115.8	30	1,866,070	7,325	526,010,531	25	1,612,151
Total	84.8	6.3	96.0	184	11,294,744	114,750	7,142,026,009	217	11,760,792

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.5 MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	14.2	64.2	6	655,000	16,526	1,118,481,939	17	1,019,773
2	91.9	23.7	106.7	15	1,025,000	13,617	911,772,607	16	960,643
3	98.5	25.4	102.5	15	946,008	11,154	761,273,965	15	923,150
4	76.0	24.0	55.7	10	455,531	8,398	579,012,445	13	817,228
5	97.0	30.7	120.0	10	779,600	5,757	404,808,303	10	649,772
6	39.4	22.8	20.2	3	100,000	3,640	261,811,988	8	494,599
7+	94.2	27.2	110.0	12	1,010,000	4,113	334,203,743	13	918,445
Total	76.7	9.1	86.0	71	4,971,139	63,205	4,371,364,991	93	5,783,610

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 6.6 FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	36.8	12.3	55.8	9	640,000	12,976	701,963,313	24	1,146,007
2	64.1	16.6	61.6	15	675,000	11,101	591,221,103	23	1,095,826
3	128.5	24.3	227.6	28	2,329,000	9,284	489,785,681	22	1,023,349
4	97.6	23.0	53.3	18	467,655	7,056	374,298,505	18	877,374
5	106.3	27.4	126.9	15	855,880	4,888	258,877,993	14	674,535
6	105.0	33.2	107.2	10	500,000	3,027	162,707,635	10	466,384
7+	141.4	33.3	123.4	18	856,070	3,212	191,806,788	13	693,707
Total	90.8	8.5	105.8	113	6,323,605	51,544	2,770,661,018	124	5,977,182

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	33.9	3.0	39.6	129	11,959,361	203,192	18,112,851,951	381	30,209,216
2	64.8	4.1	72.2	255	22,513,423	185,355	16,448,436,166	394	31,199,650
3	66.5	4.1	77.2	260	24,082,477	162,325	14,444,161,397	391	31,180,879
4	73.1	4.5	82.9	260	23,507,820	130,610	11,593,811,884	355	28,362,689
5	71.7	5.0	79.4	207	18,310,079	94,490	8,409,563,108	289	23,074,994
6	70.6	5.8	82.0	147	13,859,667	61,082	5,487,979,751	208	16,903,831
7+	75.0	4.9	76.7	233	20,815,778	71,859	6,818,905,702	311	27,140,314
Total	64.0	1.7	71.8	1,491	135,048,605	908,914	81,315,709,959	2,329	188,071,574

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	26.6	4.3	35.0	38	4,655,000	96,994	9,754,163,601	143	13,283,635
2	74.8	7.0	81.0	114	11,410,559	88,932	8,890,378,271	152	14,090,045
3	67.4	6.6	87.4	105	12,639,524	77,931	7,827,118,783	156	14,454,182
4	70.1	6.9	74.5	102	10,008,961	62,795	6,302,057,445	146	13,435,253
5	72.1	7.7	72.6	88	8,114,900	45,772	4,611,859,360	122	11,184,615
6	67.1	8.6	74.8	61	6,306,667	29,915	3,031,726,884	91	8,431,652
7+	73.8	7.0	69.3	110	10,207,000	36,460	3,886,000,656	149	14,719,438
Total	64.5	2.6	70.7	618	63,342,611	438,799	44,303,305,000	959	89,598,819

Thomson Data Analysis Mon Sep 29 17:33:15 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 2008
USING 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	4.0	43.2	91	7,304,361	106,198	8,358,688,350	238	16,925,582
2	58.5	4.9	64.9	141	11,102,864	96,423	7,558,057,895	241	17,109,605
3	65.9	5.3	68.4	155	11,442,953	84,394	6,617,042,614	235	16,726,697
4	75.3	6.0	90.4	158	13,498,859	67,815	5,291,754,439	210	14,927,436
5	71.3	6.5	85.7	119	10,195,179	48,718	3,797,703,749	167	11,890,379
6	73.3	7.9	89.2	86	7,553,000	31,168	2,456,252,867	117	8,472,180
7+	76.0	6.9	85.4	123	10,608,778	35,399	2,932,905,046	162	12,420,876
Total	63.7	2.2	72.8	873	71,705,994	470,115	37,012,404,959	1,370	98,472,755

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.1 STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	21.8	6.6	16.9	11	689,000	232,695	19,933,297,203	50	4,081,134
2	44.1	9.2	33.5	23	1,413,189	210,073	17,951,429,877	52	4,217,962
3	27.1	7.2	39.0	14	1,645,000	182,763	15,695,221,044	52	4,220,147
4	44.6	9.7	46.6	21	1,789,000	146,065	12,547,122,834	47	3,843,129
5	28.6	8.6	25.8	11	810,000	105,135	9,073,249,404	39	3,140,507
6	42.8	12.4	37.7	12	872,491	67,750	5,912,499,374	28	2,313,612
7+	51.3	10.9	44.1	22	1,674,000	79,183	7,344,916,233	43	3,796,408
Total	36.7	3.4	34.7	114	8,892,680	1,023,663	88,457,735,968	311	25,612,899

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.2 MALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	28.0	9.9	20.8	8	540,000	113,521	10,872,645,541	29	2,597,050
2	36.8	11.1	29.8	11	810,000	102,549	9,802,150,878	30	2,719,179
3	30.0	10.0	38.6	9	1,060,000	89,085	8,588,392,748	30	2,748,618
4	32.7	10.9	43.4	9	1,094,000	71,193	6,881,069,890	28	2,519,536
5	35.2	12.5	24.6	8	510,000	51,529	5,016,667,663	23	2,073,341
6	41.9	15.8	40.5	7	625,000	33,555	3,293,538,872	17	1,543,844
7+	41.3	12.5	40.3	11	1,054,000	40,573	4,220,204,400	27	2,613,112
Total	34.6	4.4	33.9	63	5,693,000	502,004	48,674,669,991	182	16,814,681

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.3 FEMALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	13.7	7.9	10.0	3	149,000	119,174	9,060,651,662	22	1,484,084
2	54.1	15.6	40.2	12	603,189	107,524	8,149,278,998	22	1,498,783
3	23.0	10.3	39.8	5	585,000	93,677	7,106,828,295	22	1,471,529
4	61.2	17.7	52.5	12	695,000	74,872	5,666,052,944	20	1,323,593
5	19.0	11.0	28.1	3	300,000	53,606	4,056,581,741	16	1,067,165
6	44.3	19.8	32.2	5	247,491	34,195	2,618,960,502	11	769,769
7+	67.6	20.4	52.4	11	620,000	38,611	3,124,711,833	16	1,183,296
Total	39.6	5.5	36.4	51	3,199,680	521,659	39,783,065,977	129	8,798,218

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.4 STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	29,502	1,820,445,252	5	277,219
2	61.5	35.5	32.1	3	85,000	24,718	1,502,993,710	5	264,482
3	87.8	43.9	146.3	4	370,000	20,438	1,251,059,646	5	252,835
4	128.0	57.3	107.8	5	239,000	15,455	953,310,949	4	221,673
5	32.9	32.9	71.6	1	125,000	10,645	663,686,296	3	174,530
6	138.8	80.1	116.9	3	150,000	6,667	424,519,623	2	128,346
7+	90.8	52.4	81.7	3	179,000	7,325	526,010,531	3	219,206
Total	70.5	16.2	74.6	19	1,148,000	114,750	7,142,026,009	27	1,538,290

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.5 MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	16,526	1,118,481,939	3	182,553
2	34.0	34.0	28.7	1	50,000	13,617	911,772,607	3	174,404
3	109.2	63.1	204.3	3	345,000	11,154	761,273,965	3	168,864
4	126.8	73.2	113.0	3	169,000	8,398	579,012,445	2	149,536
5	54.1	54.1	105.1	1	125,000	5,757	404,808,303	2	118,884
6	73.9	73.9	55.7	1	50,000	3,640	261,811,988	1	89,760
7+	92.7	65.6	81.1	2	129,000	4,113	334,203,743	2	159,116
Total	66.7	20.1	83.2	11	868,000	63,205	4,371,364,991	16	1,043,117

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.6 FEMALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	12,976	701,963,313	2	94,665
2	103.2	72.9	38.9	2	35,000	11,101	591,221,103	2	90,078
3	55.3	55.3	29.8	1	25,000	9,284	489,785,681	2	83,971
4	130.0	91.9	97.0	2	70,000	7,056	374,298,505	2	72,137
5	0.0	0.0	0.0	0	0	4,888	258,877,993	1	55,646
6	247.2	174.8	259.2	2	100,000	3,027	162,707,635	1	38,586
7+	87.2	87.2	83.2	1	50,000	3,212	191,806,788	1	60,090
Total	76.5	27.0	56.5	8	280,000	51,544	2,770,661,018	10	495,173

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.7 STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	24.3	7.3	18.1	11	689,000	203,192	18,112,851,951	45	3,803,916
2	42.3	9.5	33.6	20	1,328,189	185,355	16,448,436,166	47	3,953,480
3	21.2	6.7	32.1	10	1,275,000	162,325	14,444,161,397	47	3,967,312
4	37.0	9.3	42.8	16	1,550,000	130,610	11,593,811,884	43	3,621,456
5	28.2	8.9	23.1	10	685,000	94,490	8,409,563,108	35	2,965,977
6	34.8	11.6	33.1	9	722,491	61,082	5,487,979,751	26	2,185,266
7+	48.0	11.0	41.8	19	1,495,000	71,859	6,818,905,702	40	3,577,201
Total	33.5	3.4	32.2	95	7,744,680	908,914	81,315,709,959	284	24,074,609

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.8 MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	31.4	11.1	22.4	8	540,000	96,994	9,754,163,601	26	2,414,497
2	37.1	11.7	29.9	10	760,000	88,932	8,890,378,271	27	2,544,775
3	22.0	9.0	27.7	6	715,000	77,931	7,827,118,783	27	2,579,755
4	23.9	9.7	39.0	6	925,000	62,795	6,302,057,445	25	2,370,001
5	33.6	12.7	19.7	7	385,000	45,772	4,611,859,360	21	1,954,458
6	39.0	15.9	39.5	6	575,000	29,915	3,031,726,884	15	1,454,083
7+	36.8	12.3	37.7	9	925,000	36,460	3,886,000,656	24	2,453,996
Total	31.4	4.4	30.6	52	4,825,000	438,799	44,303,305,000	166	15,771,564

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 7.9 FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	15.1	8.7	10.7	3	149,000	106,198	8,358,688,350	20	1,389,419
2	49.4	15.6	40.3	10	568,189	96,423	7,558,057,895	20	1,408,705
3	20.0	10.0	40.4	4	560,000	84,394	6,617,042,614	20	1,387,557
4	55.3	17.5	49.9	10	625,000	67,815	5,291,754,439	18	1,251,456
5	20.5	11.8	29.7	3	300,000	48,718	3,797,703,749	15	1,011,519
6	28.6	16.5	20.2	3	147,491	31,168	2,456,252,867	10	731,183
7+	66.1	20.9	50.7	10	570,000	35,399	2,932,905,046	15	1,123,205
Total	36.3	5.5	35.2	43	2,919,680	470,115	37,012,404,959	118	8,303,045

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 9.1 TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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
Total	52.7	1.1	57.1	2,382	209,483,715	1,024,712	88,468,389,818	4,516	366,988,872

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 9.2 MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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
Total	51.2	1.5	54.4	1,196	117,012,016	502,589	48,681,262,291	2,336	215,007,792

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 9.3 FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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
Total	54.4	1.6	60.8	1,185	92,471,699	522,123	39,787,127,527	2,181	151,981,080

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.1 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	27.0	5.2	28.5	27	3,067,500	20,320	2,549,914,099	100	10,754,873
2	42.7	6.5	33.7	43	3,645,000	18,023	2,271,760,593	101	10,802,981
3	50.9	7.3	98.9	48	9,776,344	15,106	1,876,053,123	95	9,886,504
4	64.4	8.8	71.1	53	5,550,000	12,217	1,422,529,677	82	7,808,506
5	59.1	9.5	71.2	39	3,925,000	8,763	921,329,897	66	5,516,212
6	42.2	9.4	37.5	20	1,346,106	5,504	526,058,850	47	3,593,502
7+	63.9	8.3	69.8	59	4,787,500	9,124	815,605,489	92	6,858,605
Total	49.6	2.9	58.1	289	32,097,450	89,056	10,383,251,728	584	55,221,184
By Issue Age
20-24	219.7	109.9	176.6	4	375,000	2,432	283,785,702	2	212,387
25-29	93.7	38.3	83.8	6	690,000	5,893	761,616,989	6	822,993
30-34	58.6	19.5	51.2	9	1,100,000	9,275	1,324,184,511	15	2,150,183
35-39	47.4	11.8	73.9	16	3,570,000	13,059	1,939,461,365	34	4,830,660
40-44	59.5	8.9	56.9	45	5,581,854	17,489	2,371,306,976	76	9,801,574
45-49	53.2	6.5	60.7	66	8,108,096	17,608	1,952,336,458	124	13,360,887
50-54	42.6	5.1	44.7	70	5,850,000	14,548	1,166,766,955	165	13,083,811
55-59	48.1	6.5	55.2	55	4,417,500	6,790	469,009,545	115	8,004,195
60-64	40.2	10.1	88.5	16	2,245,000	1,716	102,248,941	40	2,537,008
65+	26.0	18.4	38.3	2	160,000	248	12,534,287	8	417,487
Total	49.6	2.9	58.1	289	32,097,450	89,056	10,383,251,728	584	55,221,184
By Attained Age
20-24	106.6	106.6	93.2	1	100,000	1,416	161,470,022	1	107,296
25-29	123.5	55.2	113.2	5	565,000	4,376	543,342,039	4	498,976
30-34	104.4	31.5	72.3	11	1,050,000	7,688	1,073,113,768	11	1,451,705
35-39	26.2	10.7	27.9	6	950,000	11,168	1,691,073,809	23	3,401,679
40-44	49.7	9.9	74.3	25	5,396,854	15,169	2,230,231,143	50	7,265,779
45-49	63.8	8.2	63.3	60	7,256,990	17,265	2,116,055,699	94	11,457,846
50-54	46.7	5.8	51.5	65	6,713,606	15,886	1,473,167,627	140	13,042,056
55-59	39.0	5.1	44.9	58	5,050,000	10,844	794,084,144	149	11,256,422
60-64	53.6	8.0	74.8	45	3,935,000	4,188	249,000,164	84	5,260,624
65+	45.4	12.6	73.0	13	1,080,000	1,055	51,713,315	29	1,478,800
Total	49.6	2.9	58.1	289	32,097,450	89,056	10,383,251,728	584	55,221,184

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.2 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING 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	6.2	23.9	11	1,605,000	10,536	1,565,059,525	53	6,726,648
2	39.3	8.5	26.8	21	1,805,000	9,274	1,379,020,291	54	6,738,695
3	58.5	10.7	118.5	30	7,331,854	7,773	1,135,857,790	51	6,186,598
4	67.6	12.3	66.6	30	3,220,000	6,249	853,284,306	44	4,837,342
5	63.8	13.3	76.0	23	2,580,000	4,467	547,771,758	36	3,393,416
6	30.6	10.8	25.3	8	558,615	2,794	304,571,409	26	2,208,822
7+	69.6	11.3	77.3	38	3,452,500	4,844	489,259,197	55	4,463,583
Total	50.4	4.0	59.5	161	20,552,969	45,937	6,274,824,277	320	34,555,104
By Issue Age
20-24	249.3	176.3	201.2	2	200,000	1,174	144,917,787	1	99,416
25-29	106.5	61.5	114.1	3	450,000	2,949	411,785,700	3	394,433
30-34	27.6	19.5	21.4	2	250,000	4,974	801,473,287	7	1,165,913
35-39	41.1	15.5	91.6	7	2,550,000	7,297	1,228,114,660	17	2,784,090
40-44	53.0	11.6	55.1	21	3,356,854	9,489	1,527,397,251	40	6,086,989
45-49	54.3	9.1	53.9	36	4,411,115	8,916	1,157,544,489	66	8,182,523
50-54	45.4	7.0	44.8	42	3,742,500	7,063	665,658,402	93	8,357,949
55-59	55.2	9.1	64.4	37	3,457,500	3,236	267,577,411	67	5,365,765
60-64	46.3	14.6	112.4	10	2,035,000	727	62,408,546	22	1,811,105
65+	22.6	22.6	32.6	1	100,000	112	7,946,744	4	306,920
Total	50.4	4.0	59.5	161	20,552,969	45,937	6,274,824,277	320	34,555,104
By Attained Age
20-24	0.0	0.0	0.0	0	0	665	80,953,918	0	50,848
25-29	170.3	98.3	168.2	3	400,000	2,160	290,306,099	2	237,846
30-34	62.7	36.2	47.2	3	350,000	3,997	617,670,438	5	742,212
35-39	18.1	12.8	10.4	2	200,000	6,147	1,066,492,111	11	1,918,497
40-44	61.7	15.4	101.3	16	4,496,854	8,448	1,447,161,230	26	4,439,480
45-49	48.5	9.9	44.5	24	3,132,500	9,108	1,307,154,353	49	7,046,420
50-54	45.8	7.8	47.9	34	3,833,615	7,693	836,189,997	74	8,002,209
55-59	48.9	7.5	54.8	42	4,065,000	5,261	452,613,276	86	7,413,652
60-64	53.9	10.4	83.2	27	3,090,000	2,006	147,953,176	50	3,712,123
65+	63.1	20.0	99.3	10	985,000	450	28,329,679	16	991,815
Total	50.4	4.0	59.5	161	20,552,969	45,937	6,274,824,277	320	34,555,104

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.3 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	34.4	8.6	36.3	16	1,462,500	9,784	984,854,574	47	4,028,224
2	46.6	9.9	45.3	22	1,840,000	8,748	892,740,301	47	4,064,286
3	42.0	9.8	66.1	18	2,444,490	7,333	740,195,333	43	3,699,906
4	60.6	12.6	78.4	23	2,330,000	5,968	569,245,371	38	2,971,164
5	53.5	13.4	63.4	16	1,345,000	4,296	373,558,139	30	2,122,797
6	56.4	16.3	56.9	12	787,491	2,710	221,487,441	21	1,384,681
7+	55.6	12.1	55.7	21	1,335,000	4,280	326,346,292	38	2,395,022
Total	48.5	4.3	55.9	128	11,544,481	43,119	4,108,427,452	264	20,666,080
By Issue Age
20-24	196.4	138.9	154.9	2	175,000	1,258	138,867,915	1	112,971
25-29	83.7	48.3	56.0	3	240,000	2,943	349,831,289	4	428,559
30-34	86.4	32.6	86.4	7	850,000	4,301	522,711,224	8	984,270
35-39	53.7	17.9	49.8	9	1,020,000	5,762	711,346,705	17	2,046,571
40-44	66.7	13.6	59.9	24	2,225,000	8,000	843,909,725	36	3,714,585
45-49	52.0	9.5	71.4	30	3,696,981	8,692	794,791,969	58	5,178,364
50-54	39.0	7.4	44.6	28	2,107,500	7,486	501,108,552	72	4,725,862
55-59	38.1	9.0	36.4	18	960,000	3,554	201,432,134	47	2,638,430
60-64	33.0	13.5	28.9	6	210,000	988	39,840,394	18	725,903
65+	30.4	30.4	54.3	1	60,000	135	4,587,543	3	110,566
Total	48.5	4.3	55.9	128	11,544,481	43,119	4,108,427,452	264	20,666,080
By Attained Age
20-24	190.9	190.9	177.2	1	100,000	750	80,516,104	1	56,448
25-29	87.4	61.8	63.2	2	165,000	2,216	253,035,939	2	261,130
30-34	139.0	49.2	98.7	8	700,000	3,691	455,443,330	6	709,493
35-39	33.7	16.8	50.6	4	750,000	5,021	624,581,698	12	1,483,182
40-44	36.9	12.3	31.8	9	900,000	6,721	783,069,913	24	2,826,299
45-49	80.6	13.4	93.5	36	4,124,490	8,157	808,901,346	45	4,411,426
50-54	47.8	8.6	57.1	31	2,879,991	8,193	636,977,630	65	5,039,847
55-59	25.5	6.4	25.6	16	985,000	5,583	341,470,868	63	3,842,770
60-64	53.3	12.6	54.6	18	845,000	2,183	101,046,988	34	1,548,501
65+	23.5	13.6	19.5	3	95,000	605	23,383,636	13	486,984
Total	48.5	4.3	55.9	128	11,544,481	43,119	4,108,427,452	264	20,666,080

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.4 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	30.6	21.7	107.6	2	590,000	1,546	155,016,022	7	548,226
2	58.7	29.3	40.6	4	225,000	1,365	136,333,661	7	554,145
3	48.9	28.3	68.2	3	325,000	1,083	106,276,513	6	476,805
4	75.2	37.6	44.1	4	170,000	867	82,248,806	5	385,076
5	189.3	66.9	243.3	8	640,000	617	51,315,980	4	263,028
6	76.5	54.1	105.4	2	150,000	358	27,794,198	3	142,350
7+	70.9	41.0	56.2	3	135,000	497	38,227,568	4	240,154
Total	72.5	14.2	85.6	26	2,235,000	6,333	597,212,748	36	2,609,784
By Issue Age
20-24	0.0	0.0	0.0	0	0	289	31,977,833	0	24,171
25-29	353.6	250.0	216.0	2	140,000	541	62,840,711	1	64,807
30-34	0.0	0.0	0.0	0	0	766	86,176,478	1	132,907
35-39	40.0	40.0	38.2	1	100,000	995	105,323,256	2	261,896
40-44	73.7	36.8	74.6	4	425,000	1,277	141,104,702	5	569,975
45-49	118.8	39.6	159.5	9	1,100,000	1,118	103,426,558	8	689,658
50-54	31.1	18.0	37.2	3	175,000	871	44,043,389	10	470,419
55-59	82.3	36.8	72.4	5	220,000	367	18,684,666	6	303,823
60+	74.2	52.4	81.4	2	75,000	110	3,635,155	3	92,129
Total	72.5	14.2	85.6	26	2,235,000	6,333	597,212,748	36	2,609,784
By Attained Age
20-24	0.0	0.0	0.0	0	0	161	17,163,041	0	11,334
25-29	249.1	249.1	195.0	1	90,000	451	52,824,943	0	46,154
30-34	112.8	112.8	51.6	1	50,000	674	73,875,883	1	96,832
35-39	0.0	0.0	0.0	0	0	848	94,572,597	2	184,876
40-44	53.7	38.0	35.6	2	150,000	1,147	130,959,203	4	421,243
45-49	135.7	45.2	194.1	9	1,300,000	1,223	124,996,828	7	669,615
50-54	34.2	19.8	30.4	3	175,000	992	65,273,075	9	576,405
55-59	49.7	24.9	68.1	4	275,000	578	28,572,196	8	403,561
60-64	126.5	56.6	91.9	5	135,000	199	7,238,758	4	146,901
65+	59.7	59.7	113.5	1	60,000	59	1,736,223	2	52,863
Total	72.5	14.2	85.6	26	2,235,000	6,333	597,212,748	36	2,609,784

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.5 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	25.4	25.4	141.4	1	500,000	957	104,910,754	4	353,602
2	24.2	24.2	14.0	1	50,000	835	90,502,464	4	356,059
3	83.0	47.9	105.1	3	325,000	649	70,163,062	4	309,230
4	30.6	30.6	19.3	1	50,000	537	55,899,046	3	259,644
5	240.9	98.3	336.2	6	575,000	360	33,167,002	2	171,031
6	0.0	0.0	0.0	0	0	200	17,670,879	2	90,650
7+	37.9	37.9	29.6	1	50,000	294	26,015,728	3	169,000
Total	60.2	16.7	90.7	13	1,550,000	3,832	398,328,936	22	1,709,217
By Issue Age
20-24	0.0	0.0	0.0	0	0	157	18,460,131	0	12,734
25-29	0.0	0.0	0.0	0	0	313	39,750,014	0	37,621
30-34	0.0	0.0	0.0	0	0	521	63,035,580	1	89,841
35-39	65.8	65.8	58.3	1	100,000	658	73,950,444	2	171,528
40-44	29.4	29.4	51.2	1	200,000	830	100,402,494	3	390,993
45-49	128.5	52.5	196.2	6	900,000	667	66,265,329	5	458,827
50-54	34.4	24.3	50.9	2	150,000	465	24,563,963	6	294,475
55-59	85.2	49.2	104.3	3	200,000	176	9,946,290	4	191,752
60+	0.0	0.0	0.0	0	0	46	1,954,691	2	61,446
Total	60.2	16.7	90.7	13	1,550,000	3,832	398,328,936	22	1,709,217
By Attained Age
20-24	0.0	0.0	0.0	0	0	86	9,598,839	0	5,970
25-29	0.0	0.0	0.0	0	0	255	32,905,546	0	26,313
30-34	0.0	0.0	0.0	0	0	434	50,927,122	1	61,356
35-39	0.0	0.0	0.0	0	0	566	67,791,082	1	120,942
40-44	42.0	42.0	34.6	1	100,000	776	94,233,178	2	289,145
45-49	122.4	54.8	221.2	5	975,000	756	82,835,278	4	440,759
50-54	38.4	27.1	34.0	2	125,000	545	38,829,376	5	367,971
55-59	62.3	35.9	95.1	3	250,000	296	16,226,826	5	262,823
60-64	89.6	63.3	105.9	2	100,000	90	3,891,998	2	94,389
65+	0.0	0.0	0.0	0	0	29	1,089,691	1	39,550
Total	60.2	16.7	90.7	13	1,550,000	3,832	398,328,936	22	1,709,217

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.6 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	38.6	38.6	46.2	1	90,000	589	50,105,268	3	194,623
2	112.1	64.7	88.3	3	175,000	531	45,831,196	3	198,086
3	0.0	0.0	0.0	0	0	434	36,113,450	3	167,576
4	146.0	84.3	95.7	3	120,000	330	26,349,760	2	125,431
5	115.3	81.5	70.7	2	65,000	257	18,148,977	2	91,997
6	181.1	128.1	290.1	2	150,000	158	10,123,319	1	51,700
7+	125.9	89.0	119.5	2	85,000	202	12,211,841	2	71,154
Total	91.1	25.3	76.1	13	685,000	2,501	198,883,812	14	900,567
By Issue Age
20-24	0.0	0.0	0.0	0	0	131	13,517,702	0	11,437
25-29	746.7	528.0	515.0	2	140,000	228	23,090,697	0	27,185
30-34	0.0	0.0	0.0	0	0	246	23,140,898	0	43,066
35-39	0.0	0.0	0.0	0	0	338	31,372,812	1	90,369
40-44	147.7	85.3	125.7	3	225,000	447	40,702,208	2	178,981
45-49	103.3	59.6	86.6	3	200,000	451	37,161,229	3	230,832
50-54	26.2	26.2	14.2	1	25,000	406	19,479,426	4	175,943
55-59	78.4	55.5	17.8	2	20,000	191	8,738,376	3	112,071
60+	172.1	121.7	244.4	2	75,000	63	1,680,464	1	30,682
Total	91.1	25.3	76.1	13	685,000	2,501	198,883,812	14	900,567
By Attained Age
20-24	0.0	0.0	0.0	0	0	76	7,564,202	0	5,364
25-29	508.0	508.0	453.6	1	90,000	196	19,919,397	0	19,841
30-34	271.8	271.8	140.9	1	50,000	240	22,948,760	0	35,476
35-39	0.0	0.0	0.0	0	0	282	26,781,515	1	63,934
40-44	74.4	74.4	37.9	1	50,000	371	36,726,025	1	132,098
45-49	156.9	78.5	142.0	4	325,000	467	42,161,550	3	228,855
50-54	28.1	28.1	24.0	1	50,000	447	26,443,700	4	208,434
55-59	31.0	31.0	17.8	1	25,000	283	12,345,370	3	140,739
60-64	174.4	100.7	66.7	3	35,000	109	3,346,760	2	52,511
65+	168.9	168.9	450.7	1	60,000	29	646,532	1	13,313
Total	91.1	25.3	76.1	13	685,000	2,501	198,883,812	14	900,567

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.7 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	26.8	5.3	24.3	25	2,477,500	18,773	2,394,898,077	94	10,206,647
2	41.5	6.6	33.4	39	3,420,000	16,657	2,135,426,932	94	10,248,836
3	51.0	7.6	100.4	45	9,451,344	14,023	1,769,776,610	89	9,409,699
4	63.6	9.1	72.5	49	5,380,000	11,350	1,340,280,872	77	7,423,430
5	50.2	9.0	62.5	31	3,285,000	8,147	870,013,917	62	5,253,184
6	40.2	9.5	34.7	18	1,196,106	5,146	498,264,652	45	3,451,152
7+	63.5	8.5	70.3	56	4,652,500	8,627	777,377,921	88	6,618,451
Total	48.1	3.0	56.8	263	29,862,450	82,723	9,786,038,981	548	52,611,400
By Issue Age
20-24	249.4	124.7	199.2	4	375,000	2,143	251,807,869	2	188,215
25-29	68.5	34.3	72.5	4	550,000	5,351	698,776,278	6	758,186
30-34	63.5	21.2	54.5	9	1,100,000	8,508	1,238,008,033	14	2,017,276
35-39	47.9	12.4	76.0	15	3,470,000	12,063	1,834,138,109	31	4,568,764
40-44	58.4	9.1	55.9	41	5,156,854	16,212	2,230,202,274	70	9,231,599
45-49	49.0	6.5	55.3	57	7,008,096	16,490	1,848,909,900	117	12,671,229
50-54	43.3	5.3	45.0	67	5,675,000	13,677	1,122,723,566	155	12,613,392
55-59	46.2	6.5	54.5	50	4,197,500	6,423	450,324,879	109	7,700,372
60-64	39.9	10.3	90.5	15	2,230,000	1,621	99,151,698	38	2,464,457
65+	14.0	14.0	25.1	1	100,000	233	11,996,374	7	397,909
Total	48.1	3.0	56.8	263	29,862,450	82,723	9,786,038,981	548	52,611,400
By Attained Age
20-24	119.9	119.9	104.2	1	100,000	1,254	144,306,981	1	95,962
25-29	109.6	54.8	104.9	4	475,000	3,925	490,517,096	4	452,822
30-34	103.6	32.8	73.8	10	1,000,000	7,014	999,237,885	10	1,354,873
35-39	28.3	11.5	29.5	6	950,000	10,320	1,596,501,212	21	3,216,803
40-44	49.3	10.3	76.7	23	5,246,854	14,022	2,099,271,940	47	6,844,536
45-49	58.3	8.2	55.2	51	5,956,990	16,042	1,991,058,871	87	10,788,231
50-54	47.6	6.0	52.5	62	6,538,606	14,895	1,407,894,552	131	12,465,651
55-59	38.4	5.2	44.0	54	4,775,000	10,266	765,511,948	141	10,852,861
60-64	50.0	7.9	74.3	40	3,800,000	3,989	241,761,406	80	5,113,723
65+	44.5	12.9	71.5	12	1,020,000	996	49,977,091	27	1,425,937
Total	48.1	3.0	56.8	263	29,862,450	82,723	9,786,038,981	548	52,611,400

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.8 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	20.2	6.4	17.3	10	1,105,000	9,579	1,460,148,771	49	6,373,046
2	40.5	9.0	27.5	20	1,755,000	8,439	1,288,517,827	50	6,382,635
3	56.6	10.9	119.2	27	7,006,854	7,124	1,065,694,728	48	5,877,369
4	70.5	13.1	69.2	29	3,170,000	5,712	797,385,261	41	4,577,697
5	50.7	12.3	62.2	17	2,005,000	4,107	514,604,755	34	3,222,385
6	32.5	11.5	26.4	8	558,615	2,594	286,900,530	25	2,118,171
7+	71.2	11.7	79.2	37	3,402,500	4,549	463,243,470	52	4,294,583
Total	49.7	4.1	57.9	148	19,002,969	42,105	5,876,495,341	298	32,845,886
By Issue Age
20-24	288.0	203.7	230.7	2	200,000	1,017	126,457,656	1	86,682
25-29	119.0	68.7	126.1	3	450,000	2,636	372,035,686	3	356,812
30-34	30.7	21.7	23.2	2	250,000	4,453	738,437,707	7	1,076,072
35-39	38.7	15.8	93.8	6	2,450,000	6,639	1,154,164,216	16	2,612,562
40-44	55.2	12.3	55.4	20	3,156,854	8,659	1,426,994,757	36	5,695,996
45-49	48.7	8.9	45.5	30	3,511,115	8,249	1,091,279,160	62	7,723,697
50-54	46.1	7.3	44.6	40	3,592,500	6,598	641,094,439	87	8,063,474
55-59	53.5	9.2	63.0	34	3,257,500	3,061	257,631,121	64	5,174,013
60-64	48.5	15.3	115.1	10	2,035,000	695	60,952,587	21	1,768,304
65+	25.7	25.7	34.7	1	100,000	98	7,448,012	4	288,275
Total	49.7	4.1	57.9	148	19,002,969	42,105	5,876,495,341	298	32,845,886
By Attained Age
20-24	0.0	0.0	0.0	0	0	580	71,355,079	0	44,879
25-29	192.6	111.2	189.1	3	400,000	1,905	257,400,554	2	211,533
30-34	70.4	40.6	51.4	3	350,000	3,564	566,743,316	4	680,856
35-39	19.9	14.1	11.1	2	200,000	5,582	998,701,030	10	1,797,556
40-44	63.7	16.5	105.9	15	4,396,854	7,672	1,352,928,052	24	4,150,335
45-49	41.9	9.6	32.7	19	2,157,500	8,352	1,224,319,074	45	6,605,661
50-54	46.3	8.2	48.6	32	3,708,615	7,148	797,360,621	69	7,634,238
55-59	48.1	7.7	53.4	39	3,815,000	4,966	436,386,450	81	7,150,830
60-64	52.2	10.4	82.6	25	2,990,000	1,915	144,061,178	48	3,617,734
65+	67.8	21.4	103.4	10	985,000	421	27,239,988	15	952,266
Total	49.7	4.1	57.9	148	19,002,969	42,105	5,876,495,341	298	32,845,886

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 10.9 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
	RATIO A/E			ACTUAL CLAIMS		EXPOSURES		EXPECTED CLAIMS
	NUMBER %	S.D.	AMOUNT %	NUMBER	$	NUMBER	$	NUMBER	$
By Duration
1	34.1	8.8	35.8	15	1,372,500	9,195	934,749,306	44	3,833,601
2	42.7	9.8	43.1	19	1,665,000	8,218	846,909,105	45	3,866,200
3	44.5	10.4	69.2	18	2,444,490	6,898	704,081,882	41	3,532,330
4	55.7	12.5	77.7	20	2,210,000	5,638	542,895,611	36	2,845,733
5	49.7	13.3	63.0	14	1,280,000	4,039	355,409,162	28	2,030,799
6	49.6	15.7	47.8	10	637,491	2,552	211,364,122	20	1,332,981
7+	52.5	12.1	53.8	19	1,250,000	4,077	314,134,451	36	2,323,868
Total	46.1	4.3	54.9	115	10,859,481	40,618	3,909,543,639	250	19,765,513
By Issue Age
20-24	219.9	155.5	172.4	2	175,000	1,126	125,350,213	1	101,533
25-29	30.2	30.2	24.9	1	100,000	2,715	326,740,592	3	401,374
30-34	91.4	34.6	90.3	7	850,000	4,056	499,570,326	8	941,204
35-39	57.0	19.0	52.1	9	1,020,000	5,424	679,973,894	16	1,956,202
40-44	61.8	13.5	56.6	21	2,000,000	7,553	803,207,517	34	3,535,603
45-49	49.3	9.5	70.7	27	3,496,981	8,241	757,630,740	55	4,947,533
50-54	39.7	7.6	45.8	27	2,082,500	7,080	481,629,126	68	4,549,918
55-59	35.8	8.9	37.2	16	940,000	3,363	192,693,758	45	2,526,359
60-64	29.4	13.1	28.0	5	195,000	926	38,199,111	17	696,153
65+	0.0	0.0	0.0	0	0	135	4,548,362	3	109,633
Total	46.1	4.3	54.9	115	10,859,481	40,618	3,909,543,639	250	19,765,513
By Attained Age
20-24	211.8	211.8	195.8	1	100,000	674	72,951,902	0	51,084
25-29	47.8	47.8	31.1	1	75,000	2,019	233,116,542	2	241,289
30-34	130.0	49.1	96.4	7	650,000	3,450	432,494,569	5	674,017
35-39	35.7	17.8	52.8	4	750,000	4,739	597,800,182	11	1,419,248
40-44	34.7	12.3	31.5	8	850,000	6,349	746,343,888	23	2,694,201
45-49	76.0	13.4	90.8	32	3,799,490	7,690	766,739,796	42	4,182,571
50-54	49.0	8.9	58.6	30	2,829,991	7,746	610,533,930	62	4,831,412
55-59	25.2	6.5	25.9	15	960,000	5,300	329,125,498	60	3,702,031
60-64	46.8	12.1	54.1	15	810,000	2,074	97,700,228	32	1,495,989
65+	16.4	11.6	7.4	2	35,000	576	22,737,104	12	473,671
Total	46.1	4.3	54.9	115	10,859,481	40,618	3,909,543,639	250	19,765,513

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 11.1 EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	75.3	14.2	79.3	28	3,095,000	4,702	500,751,566	37	3,903,863
1997	65.5	9.1	67.2	52	4,985,000	9,199	910,826,052	79	7,420,602
1998	65.4	7.7	54.4	73	5,655,115	14,439	1,433,108,571	112	10,388,148
1999	58.9	5.7	69.2	108	10,878,525	26,630	2,456,374,056	183	15,722,089
2000	58.8	4.5	65.1	170	15,317,841	47,481	4,165,654,735	289	23,521,575
2001	61.6	3.2	62.9	368	30,247,381	114,620	9,903,434,744	597	48,088,768
2002	60.8	2.9	66.7	448	38,458,029	158,968	13,231,091,286	737	57,698,276
2003	50.7	2.4	57.1	450	40,166,696	212,757	17,954,514,606	887	70,347,941
2004	46.0	2.5	49.8	330	28,933,788	184,634	15,852,771,598	719	58,118,376
2005	45.6	3.2	47.0	209	17,706,840	126,474	11,099,042,504	458	37,701,820
2006	38.0	3.7	43.1	108	9,830,500	84,066	7,283,714,537	284	22,793,637
2007	26.5	4.5	32.4	34	3,509,000	40,374	3,625,633,976	130	10,836,292
Total	52.7	1.1	57.0	2,379	208,783,715	1,024,343	88,416,918,231	4,513	366,541,387

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 11.2 MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	75.4	18.3	77.3	17	1,995,000	2,499	295,936,060	23	2,580,102
1997	67.3	11.7	68.4	33	3,460,000	5,017	559,134,020	49	5,059,474
1998	60.9	9.5	49.9	41	3,445,115	7,686	850,911,292	67	6,897,690
1999	58.6	7.5	64.7	61	6,410,000	13,714	1,406,044,150	104	9,910,765
2000	54.2	5.8	56.4	86	8,032,218	23,877	2,325,451,634	159	14,240,466
2001	58.0	4.3	57.1	180	16,304,981	56,086	5,489,686,419	310	28,575,694
2002	62.9	4.1	66.8	241	22,550,275	77,907	7,262,900,862	383	33,744,060
2003	47.8	3.3	55.1	214	22,252,710	103,153	9,829,542,739	448	40,380,256
2004	42.9	3.5	47.6	154	15,731,977	89,435	8,573,985,811	358	33,042,640
2005	44.4	4.4	44.1	102	9,487,240	62,151	6,083,041,613	229	21,527,866
2006	35.1	5.0	35.9	49	4,557,500	41,284	3,974,397,765	140	12,692,966
2007	25.8	6.4	36.2	16	2,185,000	19,541	1,995,468,678	63	6,038,357
Total	51.2	1.5	54.2	1,194	116,412,016	502,351	48,646,501,044	2,333	214,690,338

Thomson Data Analysis Mon Sep 29 17:33:15 2014

TABLE 11.3 FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
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	75.2	22.7	83.1	11	1,100,000	2,203	204,815,505	15	1,323,761
1997	62.6	14.4	64.6	19	1,525,000	4,182	351,692,032	30	2,361,128
1998	72.2	12.8	63.3	32	2,210,000	6,753	582,197,278	44	3,490,458
1999	59.3	8.7	76.9	47	4,468,525	12,915	1,050,329,905	79	5,811,324
2000	64.3	7.0	78.5	84	7,285,623	23,605	1,840,203,102	131	9,281,110
2001	65.5	4.8	71.5	188	13,942,400	58,535	4,413,748,325	287	19,513,074
2002	58.6	4.1	66.4	207	15,907,754	81,060	5,968,190,424	353	23,954,216
2003	53.6	3.5	59.8	235	17,913,986	109,603	8,124,971,867	439	29,967,685
2004	49.0	3.7	52.6	177	13,201,811	95,199	7,278,785,787	360	25,075,736
2005	46.9	4.5	50.8	107	8,219,600	64,322	5,016,000,891	229	16,173,954
2006	40.8	5.3	52.2	59	5,273,000	42,782	3,309,316,772	145	10,100,670
2007	27.2	6.4	27.6	18	1,324,000	20,833	1,630,165,298	67	4,797,934
Total	54.3	1.6	60.8	1,184	92,371,699	521,991	39,770,417,187	2,180	151,851,050

Thomson Data Analysis Mon Sep 29 17:33:15 2014