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