CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE
TABLE 1.2 TOTAL EXPERIENCE -- MALES
TABLE 1.3 TOTAL EXPERIENCE -- FEMALES
TABLE 2.1 TOTAL EXPERIENCE -- SMOKERS
TABLE 2.2 TOTAL EXPERIENCE -- MALE SMOKERS
TABLE 2.3 TOTAL EXPERIENCE -- FEMALE SMOKERS
TABLE 2.4 TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 2.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
TABLE 2.6 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 3.1 TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.2 TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.3 TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.4 TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.5 MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.6 MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.7 MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.8 MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.9 FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.10 FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.11 FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.12 FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.13 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.14 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.15 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.16 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.17 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.18 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.19 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.20 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.21 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.22 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.23 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.24 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.25 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.26 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.27 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.28 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.29 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.30 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.31 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.32 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.33 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.34 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.35 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.36 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 4.1 TOTAL EXPERIENCE BY ILLNESS
TABLE 4.2 TOTAL EXPERIENCE BY ILLNESS -- MALES
TABLE 4.3 TOTAL EXPERIENCE BY ILLNESS -- FEMALES
TABLE 4.4 TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
TABLE 4.5 TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
TABLE 4.6 TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
TABLE 4.7 TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
TABLE 4.8 TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
TABLE 4.9 TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 5.1 HEART ATTACK EXPERIENCE
TABLE 5.2 MALE HEART ATTACK EXPERIENCE
TABLE 5.3 FEMALE HEART ATTACK EXPERIENCE
TABLE 5.4 HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.5 MALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.6 FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.7 HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.8 MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.9 FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.1 LIFE THREATENING CANCER EXPERIENCE
TABLE 6.2 MALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.3 FEMALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.4 LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.5 MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.6 FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.7 LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.8 MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.9 FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.1 STROKE EXPERIENCE
TABLE 7.2 MALE STROKE EXPERIENCE
TABLE 7.3 FEMALE STROKE EXPERIENCE
TABLE 7.4 STROKE EXPERIENCE -- SMOKERS
TABLE 7.5 MALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.6 FEMALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.7 STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.8 MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.9 FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 8.1 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.2 TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.3 TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.4 TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.5 MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.6 MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.7 MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.8 MALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 8.9 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
TABLE 8.10 FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
TABLE 8.11 FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
TABLE 8.12 FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
TABLE 9.1 TOTAL EXPERIENCE -- POLICY YEAR
TABLE 9.2 MALE EXPERIENCE -- POLICY YEAR
TABLE 9.3 FEMALE EXPERIENCE -- POLICY YEAR
TABLE 10.1 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.2 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
TABLE 10.3 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.4 MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
TABLE 10.5 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.6 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.7 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
TABLE 10.8 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
TABLE 10.9 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.10 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.11 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.12 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.13 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.14 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
TABLE 10.15 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.16 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.17 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.18 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.19 MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.20 MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.21 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.22 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.23 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.24 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.3 2.0 27.5 190 15,651,600 219,929 19,105,696,035 695 56,817,150
2 48.9 2.6 49.0 360 29,728,415 206,016 18,115,052,544 736 60,684,774
3 55.4 2.6 63.3 437 41,052,010 194,871 17,118,473,694 790 64,872,822
4 56.5 2.6 58.9 468 39,812,065 182,595 15,890,543,935 828 67,571,359
5 56.6 2.6 57.4 468 38,857,445 163,035 14,230,170,921 827 67,666,368
6 59.6 2.8 61.5 444 37,489,267 132,062 11,508,162,904 746 60,937,409
7+ 59.5 1.9 60.0 982 83,307,363 230,291 20,476,223,558 1,650 138,821,868
Total 53.4 0.9 55.3 3,350 285,898,165 1,328,799 116,444,323,591 6,273 517,371,751
By Issue Age
20-24 68.3 10.2 69.9 45 3,487,500 83,886 6,387,862,287 66 4,991,026
25-29 67.9 5.7 71.8 143 12,768,407 183,298 15,477,322,022 210 17,774,161
30-34 56.0 3.7 58.0 231 22,554,070 234,542 22,158,140,667 413 38,885,537
35-39 54.2 2.8 56.2 381 37,988,461 249,844 24,342,387,358 702 67,644,459
40-44 56.3 2.3 55.4 624 56,706,325 237,681 22,032,969,449 1,107 102,374,803
45-49 53.4 2.0 52.8 731 60,224,579 179,121 14,754,581,363 1,369 114,044,854
50-54 51.0 2.0 52.6 643 50,760,692 103,649 7,699,324,064 1,262 96,592,602
55-59 51.5 2.5 58.5 410 31,795,430 43,743 2,863,980,737 796 54,379,461
60+ 41.2 3.4 46.5 143 9,612,701 13,036 727,755,645 347 20,684,848
Total 53.4 0.9 55.3 3,350 285,898,165 1,328,799 116,444,323,591 6,273 517,371,751
By Attained Age
20-24 54.9 15.2 47.7 13 867,500 36,169 2,777,631,622 24 1,817,362
25-29 68.1 7.6 70.8 81 6,736,527 130,503 10,473,471,461 119 9,513,507
30-34 56.0 4.5 57.4 152 13,774,750 200,277 17,788,826,197 272 24,002,805
35-39 52.2 3.3 50.7 248 23,030,162 232,698 22,444,140,323 476 45,392,548
40-44 54.8 2.6 57.8 428 42,885,876 238,519 22,936,517,245 781 74,198,922
45-49 54.9 2.2 54.8 628 55,663,898 212,319 18,912,528,696 1,144 101,618,329
50-54 53.2 2.0 52.6 699 56,392,846 150,472 12,120,770,430 1,314 107,194,732
55-59 50.8 2.1 54.2 587 47,464,205 83,577 6,136,878,072 1,155 87,574,181
60-64 54.8 2.8 64.2 375 30,366,813 33,833 2,242,579,587 685 47,320,811
65+ 45.5 3.9 46.5 138 8,715,588 10,432 610,979,959 304 18,738,553
Total 53.4 0.9 55.3 3,350 285,898,165 1,328,799 116,444,323,591 6,273 517,371,751

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 1.2     TOTAL EXPERIENCE -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 2.8 26.4 91 8,343,500 105,971 10,388,491,214 336 31,580,141
2 47.9 3.6 47.5 174 16,308,584 99,911 9,895,818,294 363 34,300,622
3 51.9 3.6 60.3 206 22,392,236 94,824 9,365,605,080 397 37,164,739
4 55.6 3.6 58.7 236 23,008,901 88,909 8,674,962,897 424 39,177,300
5 52.5 3.5 50.7 225 20,141,443 79,279 7,790,171,850 428 39,726,322
6 52.0 3.7 52.0 203 18,792,853 64,202 6,312,754,558 390 36,140,549
7+ 56.7 2.5 57.9 518 49,936,184 114,444 11,453,261,299 914 86,215,165
Total 50.8 1.3 52.2 1,653 158,923,701 647,542 63,881,065,191 3,251 304,304,839
By Issue Age
20-24 69.3 15.9 81.9 19 1,810,000 39,123 3,147,948,620 27 2,210,740
25-29 74.2 9.3 75.0 63 5,751,000 85,730 7,669,063,611 85 7,664,490
30-34 45.3 5.1 53.0 80 9,805,000 115,772 11,998,576,190 176 18,508,528
35-39 46.3 3.8 49.6 145 17,124,186 124,304 13,614,357,918 314 34,519,972
40-44 47.8 3.0 47.9 260 27,714,527 118,437 12,618,380,557 543 57,848,307
45-49 50.9 2.7 48.1 366 33,132,670 87,421 8,364,765,349 720 68,862,742
50-54 54.3 2.8 54.6 390 34,300,248 50,074 4,383,174,705 717 62,875,581
55-59 52.8 3.4 59.7 248 22,124,242 20,849 1,648,886,711 470 37,037,347
60-64 43.0 5.2 50.7 69 6,352,964 4,929 383,118,747 160 12,524,949
65+ 33.6 9.3 35.9 13 808,864 903 52,792,782 39 2,252,182
Total 50.8 1.3 52.2 1,653 158,923,701 647,542 63,881,065,191 3,251 304,304,839
By Attained Age
20-24 29.0 16.7 32.7 3 275,000 17,005 1,373,455,474 10 840,520
25-29 77.4 12.7 82.9 37 3,390,000 60,185 5,122,046,717 48 4,090,178
30-34 58.0 7.2 58.8 65 6,376,000 96,249 9,232,564,528 112 10,852,347
35-39 42.5 4.6 41.1 86 8,956,773 115,448 12,331,191,193 203 21,811,984
40-44 47.0 3.6 54.0 168 21,061,066 119,356 13,010,218,713 357 38,979,937
45-49 46.4 2.9 43.8 262 25,374,382 104,831 10,793,428,911 564 57,948,534
50-54 51.1 2.7 51.2 358 33,489,220 73,104 6,826,407,358 701 65,412,370
55-59 53.3 2.8 54.3 354 31,600,140 40,169 3,521,933,080 664 58,148,977
60-64 57.6 3.7 67.3 237 22,075,562 16,350 1,304,074,084 412 32,796,505
65+ 46.2 5.1 47.1 83 6,325,558 4,845 365,745,132 180 13,423,486
Total 50.8 1.3 52.2 1,653 158,923,701 647,542 63,881,065,191 3,251 304,304,839

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 1.3     TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.7 2.8 29.0 100 7,308,100 113,959 8,717,204,822 360 25,237,009
2 49.9 3.7 50.9 186 13,419,831 106,104 8,219,234,250 373 26,384,152
3 58.9 3.9 67.3 231 18,659,774 100,046 7,752,868,614 393 27,708,083
4 57.3 3.8 59.2 232 16,803,164 93,686 7,215,581,038 405 28,394,059
5 61.0 3.9 67.0 243 18,716,002 83,756 6,439,999,071 399 27,940,046
6 67.9 4.4 75.4 241 18,696,414 67,860 5,195,408,347 355 24,796,860
7+ 63.0 2.9 63.4 464 33,371,179 115,846 9,022,962,259 736 52,606,703
Total 56.2 1.4 59.6 1,698 126,974,464 681,257 52,563,258,400 3,021 213,066,912
By Issue Age
20-24 67.6 13.3 60.3 26 1,677,500 44,763 3,239,913,667 38 2,780,286
25-29 63.7 7.1 69.4 80 7,017,407 97,568 7,808,258,411 126 10,109,671
30-34 63.9 5.2 62.6 151 12,749,070 118,770 10,159,564,477 237 20,377,009
35-39 60.7 4.0 63.0 235 20,864,275 125,540 10,728,029,440 388 33,124,487
40-44 64.5 3.4 65.1 364 28,991,798 119,243 9,414,588,892 564 44,526,496
45-49 56.2 2.9 60.0 365 27,091,909 91,700 6,389,816,014 649 45,182,112
50-54 46.5 2.9 48.8 254 16,460,444 53,575 3,316,149,358 545 33,717,021
55-59 49.6 3.9 55.8 162 9,671,188 22,894 1,215,094,025 326 17,342,113
60+ 41.2 5.3 41.5 61 2,450,873 7,204 291,844,116 148 5,907,717
Total 56.2 1.4 59.6 1,698 126,974,464 681,257 52,563,258,400 3,021 213,066,912
By Attained Age
20-24 75.1 23.7 60.7 10 592,500 19,164 1,404,176,148 13 976,842
25-29 61.9 9.3 61.7 44 3,346,527 70,318 5,351,424,743 71 5,423,329
30-34 54.6 5.8 56.3 87 7,398,750 104,029 8,556,261,669 159 13,150,458
35-39 59.4 4.7 59.7 162 14,073,389 117,250 10,112,949,130 273 23,580,564
40-44 61.4 3.8 62.0 260 21,824,810 119,163 9,926,298,532 424 35,218,984
45-49 63.2 3.3 69.4 366 30,289,516 107,487 8,119,099,785 580 43,669,795
50-54 55.6 3.0 54.8 341 22,903,626 77,369 5,294,363,071 613 41,782,362
55-59 47.6 3.1 53.9 234 15,864,065 43,409 2,614,944,992 491 29,425,204
60-64 50.7 4.3 57.1 138 8,291,251 17,483 938,505,502 273 14,524,306
65+ 44.4 6.0 45.0 55 2,390,030 5,587 245,234,827 124 5,315,067
Total 56.2 1.4 59.6 1,698 126,974,464 681,257 52,563,258,400 3,021 213,066,912

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.1     TOTAL EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 53.0 9.1 61.5 34 2,244,000 25,400 1,613,602,644 65 3,648,150
2 57.6 9.3 72.5 38 2,690,000 22,864 1,444,903,134 66 3,709,579
3 93.1 11.7 100.9 63 3,790,008 20,818 1,295,488,030 68 3,757,695
4 69.0 10.1 61.2 47 2,303,625 18,804 1,154,654,803 68 3,765,954
5 81.7 11.1 99.8 54 3,704,605 16,441 1,020,579,152 66 3,711,324
6 94.6 12.9 82.7 54 2,675,628 12,838 799,051,615 57 3,235,984
7+ 90.5 8.6 84.6 111 6,288,155 21,204 1,387,324,038 123 7,431,201
Total 78.3 3.9 81.0 402 23,696,021 138,369 8,715,603,418 513 29,259,886
By Issue Age
20-24 72.8 25.7 64.5 8 425,000 14,256 858,781,624 11 658,757
25-29 84.6 17.6 102.6 23 1,840,880 25,100 1,673,113,756 27 1,794,835
30-34 64.9 12.3 81.9 28 2,492,870 25,487 1,812,490,126 43 3,043,482
35-39 84.1 11.0 82.5 58 3,831,734 25,060 1,700,060,686 69 4,642,681
40-44 77.6 8.7 76.8 80 4,872,000 22,599 1,387,400,290 103 6,342,983
45-49 95.6 9.1 109.2 110 6,841,508 15,556 829,998,009 115 6,263,325
50-54 58.1 8.2 44.7 50 1,822,429 7,324 332,921,063 86 4,073,790
55-59 77.2 13.4 63.2 33 1,204,600 2,408 100,829,202 43 1,906,807
60-64 69.7 23.2 59.9 9 280,000 529 18,063,892 13 467,798
65+ 111.1 78.6 129.9 2 85,000 50 1,944,769 2 65,429
Total 78.3 3.9 81.0 402 23,696,021 138,369 8,715,603,418 513 29,259,886
By Attained Age
20-24 24.9 24.9 10.4 1 25,000 6,214 374,383,770 4 241,333
25-29 60.9 18.4 83.8 11 970,000 20,474 1,320,395,955 18 1,157,509
30-34 100.9 17.8 116.2 32 2,473,750 24,328 1,652,535,498 32 2,128,262
35-39 61.3 11.4 58.0 29 1,884,000 23,758 1,658,103,763 47 3,250,336
40-44 68.9 9.5 76.7 53 3,779,253 23,787 1,549,298,129 77 4,929,566
45-49 104.1 9.9 118.5 111 7,466,989 19,986 1,182,034,725 107 6,301,488
50-54 66.9 7.9 62.8 71 3,479,000 12,234 631,962,042 106 5,543,837
55-59 75.6 10.1 64.4 56 2,313,429 5,424 253,741,574 74 3,594,661
60-64 79.7 15.1 53.9 28 889,600 1,733 77,809,481 35 1,649,402
65+ 73.4 24.5 89.5 9 415,000 430 15,338,481 12 463,493
Total 78.3 3.9 81.0 402 23,696,021 138,369 8,715,603,418 513 29,259,886

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 64.8 13.8 74.0 22 1,621,000 14,514 1,018,210,167 34 2,190,775
2 70.9 14.1 89.1 25 1,985,000 12,859 900,646,119 35 2,226,698
3 103.1 16.9 97.5 37 2,179,008 11,496 793,363,645 36 2,235,316
4 75.0 14.4 70.5 27 1,575,000 10,235 697,995,965 36 2,233,480
5 65.2 13.6 85.4 23 1,919,600 8,912 620,918,471 35 2,247,626
6 68.4 14.9 51.0 21 1,006,500 6,931 485,165,951 31 1,973,854
7+ 90.3 11.4 92.0 63 4,385,085 11,576 855,841,290 70 4,765,525
Total 78.7 5.3 82.1 218 14,671,193 76,523 5,372,141,608 277 17,873,274
By Issue Age
20-24 55.5 32.1 71.9 3 250,000 7,707 496,475,377 5 347,940
25-29 72.4 22.9 64.0 10 635,000 14,408 1,027,795,589 14 992,540
30-34 63.2 16.9 89.1 14 1,575,000 14,880 1,172,123,865 22 1,768,164
35-39 90.5 16.0 87.2 32 2,364,085 14,170 1,073,910,056 35 2,711,800
40-44 87.7 12.7 86.8 48 3,305,000 12,316 848,468,147 55 3,807,860
45-49 93.6 12.2 105.3 59 4,141,508 8,030 494,358,843 63 3,934,824
50-54 56.3 10.6 49.5 28 1,316,000 3,656 190,575,958 50 2,660,504
55-59 72.5 17.0 65.8 18 864,600 1,117 58,074,269 25 1,314,159
60-64 78.2 35.0 67.7 5 195,000 200 9,193,915 6 287,900
65+ 67.1 67.1 52.5 1 25,000 37 1,165,588 1 47,583
Total 78.7 5.3 82.1 218 14,671,193 76,523 5,372,141,608 277 17,873,274
By Attained Age
20-24 0.0 0.0 0.0 0 0 3,347 218,575,108 2 133,030
25-29 65.9 26.9 69.0 6 430,000 11,526 786,364,396 9 623,103
30-34 92.3 23.8 94.7 15 1,155,000 14,135 1,052,122,050 16 1,219,469
35-39 66.7 16.7 70.0 16 1,297,000 13,734 1,057,873,753 24 1,852,942
40-44 71.0 13.4 85.6 28 2,466,000 13,243 969,327,677 39 2,881,306
45-49 114.6 14.2 126.7 65 4,834,593 10,669 718,171,231 57 3,815,958
50-54 66.4 10.6 59.3 39 2,062,000 6,229 368,553,563 59 3,476,332
55-59 69.0 12.8 63.1 29 1,497,000 2,577 144,645,640 42 2,373,072
60-64 64.5 17.2 52.1 14 619,600 873 48,105,132 22 1,189,663
65+ 85.8 35.0 100.5 6 310,000 189 8,403,059 7 308,399
Total 78.7 5.3 82.1 218 14,671,193 76,523 5,372,141,608 277 17,873,274

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.3     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 11.4 42.7 12 623,000 10,886 595,392,476 30 1,457,375
2 42.4 11.7 47.5 13 705,000 10,005 544,257,015 31 1,482,881
3 81.8 16.0 105.8 26 1,611,000 9,322 502,124,386 32 1,522,379
4 62.3 13.9 47.5 20 728,625 8,569 456,658,838 32 1,532,474
5 100.7 18.1 122.0 31 1,785,005 7,529 399,660,681 31 1,463,698
6 125.0 21.8 132.2 33 1,669,128 5,907 313,885,664 26 1,262,130
7+ 90.8 13.1 71.4 48 1,903,070 9,628 531,482,749 53 2,665,676
Total 77.9 5.8 79.3 183 9,024,828 61,846 3,343,461,810 235 11,386,612
By Issue Age
20-24 89.4 40.0 56.3 5 175,000 6,548 362,306,248 6 310,817
25-29 97.1 26.9 150.3 13 1,205,880 10,692 645,318,167 13 802,295
30-34 66.6 17.8 72.0 14 917,870 10,606 640,366,261 21 1,275,318
35-39 77.3 15.2 76.0 26 1,467,649 10,890 626,150,629 34 1,930,881
40-44 66.2 11.7 61.8 32 1,567,000 10,283 538,932,143 48 2,535,123
45-49 98.0 13.7 116.0 51 2,700,000 7,526 335,639,166 52 2,328,501
50-54 60.5 12.9 35.8 22 506,429 3,668 142,345,105 36 1,413,286
55-59 83.7 21.6 57.4 15 340,000 1,291 42,754,933 18 592,648
60+ 73.3 32.8 73.3 5 145,000 341 9,649,158 7 197,744
Total 77.9 5.8 79.3 183 9,024,828 61,846 3,343,461,810 235 11,386,612
By Attained Age
20-24 50.3 50.3 23.1 1 25,000 2,866 155,808,662 2 108,303
25-29 55.9 25.0 101.0 5 540,000 8,947 534,031,559 9 534,406
30-34 110.0 26.7 145.1 17 1,318,750 10,193 600,413,448 15 908,794
35-39 55.7 15.4 42.0 13 587,000 10,024 600,230,010 23 1,397,393
40-44 66.8 13.4 64.1 25 1,313,253 10,544 579,970,452 37 2,048,260
45-49 92.1 13.6 105.9 46 2,632,396 9,317 463,863,494 50 2,485,530
50-54 67.6 12.0 68.5 32 1,417,000 6,005 263,408,478 47 2,067,505
55-59 84.3 16.2 66.8 27 816,429 2,847 109,095,934 32 1,221,589
60-64 104.5 27.9 58.7 14 270,000 860 29,704,349 13 459,739
65+ 57.0 32.9 67.7 3 105,000 241 6,935,422 5 155,094
Total 77.9 5.8 79.3 183 9,024,828 61,846 3,343,461,810 235 11,386,612

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.4     TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.7 2.0 25.2 156 13,407,600 194,530 17,492,093,392 631 53,169,000
2 48.1 2.7 47.5 322 27,038,415 183,151 16,670,149,410 670 56,975,196
3 51.8 2.7 61.0 374 37,262,002 174,053 15,822,985,663 722 61,115,127
4 55.3 2.7 58.8 421 37,508,440 163,791 14,735,889,132 760 63,805,405
5 54.4 2.7 55.0 414 35,152,840 146,594 13,209,591,768 761 63,955,044
6 56.7 2.9 60.3 390 34,813,639 119,225 10,709,111,289 688 57,701,425
7+ 57.0 1.9 58.6 871 77,019,208 209,087 19,088,899,520 1,527 131,390,668
Total 51.2 0.9 53.7 2,949 262,202,144 1,190,430 107,728,720,174 5,760 488,111,864
By Issue Age
20-24 67.4 11.1 70.7 37 3,062,500 69,630 5,529,080,663 55 4,332,269
25-29 65.5 6.0 68.4 120 10,927,527 158,198 13,804,208,266 183 15,979,326
30-34 54.9 3.9 56.0 203 20,061,200 209,055 20,345,650,541 370 35,842,055
35-39 51.0 2.8 54.2 323 34,156,727 224,783 22,642,326,673 633 63,001,778
40-44 54.2 2.3 54.0 544 51,834,325 215,082 20,645,569,158 1,004 96,031,820
45-49 49.5 2.0 49.5 620 53,383,071 163,565 13,924,583,354 1,253 107,781,529
50-54 50.4 2.1 52.9 593 48,938,263 96,325 7,366,403,001 1,176 92,518,812
55-59 50.0 2.6 58.3 376 30,590,830 41,335 2,763,151,535 753 52,472,653
60+ 39.7 3.5 45.9 132 9,247,701 12,457 707,746,984 332 20,151,621
Total 51.2 0.9 53.7 2,949 262,202,144 1,190,430 107,728,720,174 5,760 488,111,864
By Attained Age
20-24 61.0 17.6 53.5 12 842,500 29,955 2,403,247,853 20 1,576,029
25-29 69.4 8.3 69.0 70 5,766,527 110,029 9,153,075,506 101 8,355,999
30-34 50.0 4.6 51.7 120 11,301,000 175,949 16,136,290,699 240 21,874,542
35-39 51.2 3.5 50.2 219 21,146,162 208,939 20,786,036,560 429 42,142,213
40-44 53.3 2.8 56.5 375 39,106,623 214,732 21,387,219,116 704 69,269,356
45-49 49.8 2.2 50.6 517 48,196,909 192,332 17,730,493,971 1,037 95,316,841
50-54 52.0 2.1 52.1 628 52,913,846 138,238 11,488,808,388 1,208 101,650,895
55-59 49.1 2.1 53.8 531 45,150,776 78,153 5,883,136,498 1,081 83,979,520
60-64 53.5 2.9 64.5 347 29,477,213 32,100 2,164,770,106 649 45,671,409
65+ 44.3 3.9 45.4 129 8,300,588 10,002 595,641,478 291 18,275,060
Total 51.2 0.9 53.7 2,949 262,202,144 1,190,430 107,728,720,174 5,760 488,111,864

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.7 2.7 22.9 68 6,722,500 91,457 9,370,281,046 301 29,389,366
2 45.5 3.7 44.7 149 14,323,584 87,052 8,995,172,175 328 32,073,924
3 46.8 3.6 57.9 169 20,213,228 83,328 8,572,241,435 361 34,929,423
4 53.9 3.7 58.0 209 21,433,901 78,674 7,976,966,932 388 36,943,821
5 51.4 3.6 48.6 202 18,221,843 70,368 7,169,253,379 393 37,478,695
6 50.6 3.8 52.1 182 17,786,353 57,272 5,827,588,607 360 34,166,695
7+ 53.9 2.5 55.9 455 45,551,099 102,868 10,597,420,009 844 81,449,641
Total 48.2 1.3 50.4 1,434 144,252,508 571,018 58,508,923,583 2,974 286,431,565
By Issue Age
20-24 72.6 18.2 83.7 16 1,560,000 31,415 2,651,473,243 22 1,862,800
25-29 74.5 10.2 76.7 53 5,116,000 71,322 6,641,268,022 71 6,671,950
30-34 42.8 5.3 49.2 66 8,230,000 100,891 10,826,452,326 154 16,740,363
35-39 40.7 3.8 46.4 113 14,760,101 110,134 12,540,447,862 279 31,808,172
40-44 43.4 3.0 45.2 212 24,409,527 106,121 11,769,912,410 488 54,040,447
45-49 46.7 2.7 44.7 307 28,991,162 79,391 7,870,406,506 656 64,927,918
50-54 54.2 2.8 54.8 362 32,984,248 46,418 4,192,598,747 667 60,215,078
55-59 51.7 3.4 59.5 230 21,259,642 19,732 1,590,812,442 445 35,723,188
60-64 41.6 5.2 50.3 64 6,157,964 4,729 373,924,832 154 12,237,049
65+ 32.2 9.3 35.6 12 783,864 866 51,627,194 37 2,204,599
Total 48.2 1.3 50.4 1,434 144,252,508 571,018 58,508,923,583 2,974 286,431,565
By Attained Age
20-24 36.0 20.8 38.9 3 275,000 13,658 1,154,880,366 8 707,490
25-29 80.1 14.4 85.4 31 2,960,000 48,659 4,335,682,321 39 3,467,075
30-34 52.1 7.4 54.2 50 5,221,000 82,114 8,180,442,478 96 9,632,878
35-39 39.2 4.7 38.4 70 7,659,773 101,714 11,273,317,440 179 19,959,042
40-44 44.0 3.7 51.5 140 18,595,066 106,113 12,040,891,037 318 36,098,631
45-49 38.7 2.8 37.9 197 20,539,789 94,162 10,075,257,681 507 54,132,576
50-54 49.6 2.8 50.7 319 31,427,220 66,875 6,457,853,795 642 61,936,037
55-59 52.2 2.9 54.0 325 30,103,140 37,592 3,377,287,440 622 55,775,905
60-64 57.2 3.8 67.9 223 21,455,962 15,477 1,255,968,953 390 31,606,843
65+ 44.6 5.1 45.9 77 6,015,558 4,656 357,342,073 173 13,115,087
Total 48.2 1.3 50.4 1,434 144,252,508 571,018 58,508,923,583 2,974 286,431,565

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 2.6     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 2.8 28.1 88 6,685,100 103,073 8,121,812,346 330 23,779,634
2 50.6 3.8 51.1 173 12,714,831 96,099 7,674,977,234 342 24,901,272
3 56.8 4.0 65.1 205 17,048,774 90,724 7,250,744,228 361 26,185,704
4 56.9 3.9 59.8 212 16,074,539 85,117 6,758,922,200 373 26,861,584
5 57.7 4.0 63.9 212 16,930,997 76,227 6,040,338,389 368 26,476,348
6 63.3 4.4 72.3 208 17,027,286 61,953 4,881,522,682 329 23,534,730
7+ 60.9 3.0 63.0 416 31,468,109 106,219 8,491,479,510 683 49,941,027
Total 54.4 1.4 58.5 1,514 117,949,636 619,412 49,219,796,590 2,786 201,680,299
By Issue Age
20-24 63.9 13.9 60.8 21 1,502,500 38,214 2,877,607,420 33 2,469,469
25-29 59.8 7.3 62.4 67 5,811,527 86,876 7,162,940,244 112 9,307,376
30-34 63.6 5.4 61.9 137 11,831,200 108,164 9,519,198,215 216 19,101,691
35-39 59.1 4.1 62.2 209 19,396,626 114,649 10,101,878,811 354 31,193,606
40-44 64.4 3.5 65.3 332 27,424,798 108,961 8,875,656,749 516 41,991,373
45-49 52.5 3.0 56.9 314 24,391,909 84,174 6,054,176,848 597 42,853,611
50-54 45.5 3.0 49.4 232 15,954,015 49,907 3,173,804,253 509 32,303,735
55-59 47.6 3.9 55.7 147 9,331,188 21,603 1,172,339,092 308 16,749,466
60+ 39.7 5.3 40.4 56 2,305,873 6,863 282,194,958 141 5,709,973
Total 54.4 1.4 58.5 1,514 117,949,636 619,412 49,219,796,590 2,786 201,680,299
By Attained Age
20-24 79.4 26.5 65.3 9 567,500 16,297 1,248,367,486 11 868,539
25-29 62.8 10.0 57.4 39 2,806,527 61,371 4,817,393,184 62 4,888,923
30-34 48.6 5.8 49.7 70 6,080,000 93,835 7,955,848,221 144 12,241,664
35-39 59.7 4.9 60.8 149 13,486,389 107,226 9,512,719,120 250 22,183,171
40-44 60.9 4.0 61.8 235 20,511,557 108,619 9,346,328,080 386 33,170,725
45-49 60.5 3.4 67.2 320 27,657,120 98,170 7,655,236,290 530 41,184,266
50-54 54.6 3.1 54.1 309 21,486,626 71,363 5,030,954,593 565 39,714,857
55-59 45.0 3.1 53.4 206 15,047,636 40,561 2,505,849,058 459 28,203,616
60-64 47.9 4.3 57.0 124 8,021,251 16,623 908,801,153 259 14,064,567
65+ 43.8 6.1 44.3 52 2,285,030 5,346 238,299,405 119 5,159,973
Total 54.4 1.4 58.5 1,514 117,949,636 619,412 49,219,796,590 2,786 201,680,299

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.3 3.3 21.8 50 1,034,100 52,445 1,194,316,755 213 4,739,798
2 42.2 4.3 43.8 94 2,188,008 48,686 1,112,051,206 224 5,000,712
3 52.2 4.7 52.7 126 2,871,355 46,558 1,072,066,005 241 5,450,705
4 54.7 4.7 54.7 137 3,133,162 43,903 1,019,624,117 251 5,728,077
5 52.2 4.6 53.4 130 3,068,408 39,152 917,215,972 249 5,743,844
6 64.5 5.4 68.3 141 3,475,997 31,137 732,469,295 219 5,088,921
7+ 54.8 3.6 55.0 229 5,520,915 47,832 1,148,359,735 418 10,038,880
Total 50.0 1.7 50.9 907 21,291,945 309,714 7,196,103,085 1,814 41,790,939
By Issue Age
20-24 62.3 18.8 80.3 11 295,000 22,427 465,734,396 18 367,488
25-29 63.0 12.1 64.1 27 615,000 37,526 841,235,639 43 959,270
30-34 55.8 8.8 60.1 40 1,003,200 40,931 949,311,960 72 1,670,354
35-39 49.9 6.3 55.8 62 1,693,331 44,570 1,078,725,581 125 3,036,163
40-44 57.7 4.9 60.1 136 3,459,872 51,125 1,244,257,133 236 5,758,071
45-49 51.8 3.7 50.7 195 4,619,609 50,440 1,216,501,963 376 9,107,463
50-54 47.0 3.3 45.5 198 4,511,951 36,041 839,963,559 423 9,905,769
55-59 48.2 3.8 48.6 163 3,529,281 19,427 416,276,401 337 7,261,566
60+ 40.4 4.7 42.0 75 1,564,701 7,226 144,096,453 185 3,724,794
Total 50.0 1.7 50.9 907 21,291,945 309,714 7,196,103,085 1,814 41,790,939
By Attained Age
20-24 78.8 35.3 95.2 5 125,000 9,735 200,307,528 6 131,269
25-29 61.6 14.9 66.9 17 405,000 30,278 662,397,076 28 605,220
30-34 44.0 9.2 43.9 23 520,000 38,345 868,803,245 52 1,185,770
35-39 51.9 7.8 60.3 44 1,211,200 40,898 964,453,421 85 2,008,804
40-44 58.3 6.1 60.2 90 2,259,615 46,506 1,125,664,873 155 3,752,577
45-49 52.1 4.3 52.9 144 3,513,351 50,629 1,221,180,295 276 6,646,234
50-54 51.6 3.7 51.7 198 4,710,827 44,154 1,052,131,961 383 9,111,701
55-59 45.2 3.4 44.0 182 4,045,750 29,683 682,442,936 402 9,203,272
60-64 49.2 4.2 48.9 138 2,984,614 14,295 311,446,331 280 6,102,234
65+ 45.5 5.6 49.8 67 1,516,588 5,190 107,275,420 147 3,043,858
Total 50.0 1.7 50.9 907 21,291,945 309,714 7,196,103,085 1,814 41,790,939

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.3 3.7 30.3 63 3,477,500 69,401 3,733,452,659 215 11,478,571
2 48.6 4.7 48.1 108 5,701,540 62,244 3,363,344,530 221 11,846,966
3 47.7 4.5 46.9 112 5,921,806 57,588 3,125,293,973 235 12,627,678
4 55.9 4.7 54.6 139 7,313,903 54,041 2,943,076,665 249 13,392,756
5 55.1 4.7 55.3 137 7,424,252 48,224 2,634,004,881 249 13,437,094
6 52.7 4.8 52.8 122 6,594,853 40,071 2,187,661,780 231 12,495,089
7+ 60.4 3.3 60.4 333 17,946,856 74,688 4,070,889,700 551 29,700,250
Total 52.0 1.6 51.8 1,014 54,380,710 406,258 22,057,724,188 1,952 104,978,403
By Issue Age
20-24 48.8 16.3 47.3 9 475,000 23,396 1,274,040,164 18 1,003,197
25-29 66.8 10.4 67.4 41 2,267,527 53,599 2,937,863,172 61 3,365,328
30-34 51.5 6.6 51.7 61 3,360,870 67,132 3,686,482,567 118 6,506,677
35-39 58.2 5.2 58.3 126 6,936,993 75,893 4,164,032,268 217 11,905,334
40-44 53.0 3.8 52.5 192 10,304,854 77,381 4,189,048,498 363 19,643,821
45-49 52.6 3.4 53.0 242 13,065,103 60,019 3,217,523,438 460 24,669,222
50-54 48.5 3.5 47.3 197 10,232,036 33,493 1,776,650,834 407 21,612,408
55-59 52.3 4.8 52.6 118 6,265,327 12,226 647,234,083 225 11,909,826
60-64 33.0 6.9 33.0 23 1,213,000 2,753 145,447,677 70 3,674,090
65+ 38.9 17.4 37.8 5 260,000 366 19,401,486 13 688,501
Total 52.0 1.6 51.8 1,014 54,380,710 406,258 22,057,724,188 1,952 104,978,403
By Attained Age
20-24 30.2 21.4 27.8 2 100,000 10,087 548,867,383 7 359,690
25-29 65.9 13.7 69.9 23 1,326,527 38,163 2,078,734,213 35 1,897,295
30-34 56.5 8.4 55.4 45 2,413,870 58,469 3,202,485,433 80 4,357,630
35-39 50.8 6.1 50.2 70 3,785,962 66,880 3,668,815,818 138 7,549,161
40-44 49.2 4.5 48.8 119 6,461,360 73,472 4,012,078,615 243 13,231,811
45-49 55.0 3.8 55.0 206 11,178,712 69,743 3,780,156,653 375 20,311,099
50-54 50.5 3.4 50.6 219 11,734,652 50,079 2,677,013,502 434 23,194,833
55-59 54.4 3.9 53.7 198 10,379,550 26,624 1,415,734,012 363 19,323,397
60-64 51.4 5.1 51.1 101 5,327,077 9,889 522,907,971 197 10,434,326
65+ 38.0 6.8 38.7 31 1,673,000 2,851 150,930,588 81 4,319,160
Total 52.0 1.6 51.8 1,014 54,380,710 406,258 22,057,724,188 1,952 104,978,403

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.4 3.5 26.3 62 6,852,500 85,759 9,759,490,881 228 26,073,514
2 57.1 4.8 57.9 142 16,527,200 83,595 9,525,190,101 249 28,554,864
3 63.0 4.8 63.0 170 19,465,500 80,050 9,122,257,418 270 30,882,927
4 58.2 4.5 57.9 165 18,815,000 75,033 8,553,390,085 284 32,498,454
5 61.8 4.7 63.4 176 20,714,785 67,065 7,670,309,565 285 32,681,668
6 61.2 4.9 58.1 157 17,158,417 53,980 6,183,297,192 257 29,518,235
7+ 61.0 3.2 61.9 362 42,179,592 95,284 10,925,032,592 594 68,195,983
Total 57.0 1.6 57.0 1,235 141,712,994 540,765 61,738,967,834 2,166 248,405,644
By Issue Age
20-24 85.2 17.4 78.7 24 2,467,500 35,873 3,994,796,027 28 3,134,299
25-29 69.8 8.4 68.4 69 7,585,880 85,710 9,609,383,472 99 11,092,134
30-34 60.1 5.5 63.3 120 14,430,000 113,016 12,892,434,637 200 22,785,850
35-39 54.4 4.2 56.2 170 20,223,137 111,846 12,876,449,794 313 36,000,120
40-44 56.5 3.6 56.5 246 28,535,750 93,440 10,812,500,565 436 50,465,092
45-49 56.6 3.5 56.5 259 29,678,200 58,953 6,765,999,832 457 52,524,688
50-54 58.5 4.0 57.4 218 24,616,705 29,436 3,381,096,571 372 42,861,595
55-59 49.8 5.0 48.1 98 10,750,822 10,272 1,159,035,852 197 22,342,383
60-64 48.3 9.5 48.2 26 2,925,000 1,927 215,551,792 54 6,069,354
65+ 48.8 21.8 44.2 5 500,000 291 31,719,292 10 1,130,130
Total 57.0 1.6 57.0 1,235 141,712,994 540,765 61,738,967,834 2,166 248,405,644
By Attained Age
20-24 59.8 24.4 57.3 6 642,500 15,281 1,710,224,430 10 1,122,147
25-29 72.0 11.7 68.1 38 4,005,000 58,033 6,465,119,642 53 5,879,238
30-34 61.9 7.0 62.7 79 9,040,880 94,453 10,666,516,961 128 14,414,316
35-39 54.7 4.9 55.3 122 14,148,000 109,934 12,584,268,020 224 25,563,165
40-44 57.1 4.2 59.4 189 22,729,052 102,045 11,794,159,970 331 38,245,265
45-49 56.5 3.7 56.8 238 27,651,835 78,689 9,085,205,958 422 48,697,637
50-54 57.4 3.7 55.9 244 27,425,700 48,395 5,572,232,438 425 49,042,054
55-59 52.4 4.0 52.5 175 20,088,905 23,578 2,689,964,558 334 38,300,257
60-64 61.7 5.9 60.2 109 12,105,122 8,317 943,264,557 177 20,095,792
65+ 54.2 9.3 55.0 34 3,876,000 2,041 228,011,301 63 7,045,773
Total 57.0 1.6 57.0 1,235 141,712,994 540,765 61,738,967,834 2,166 248,405,644

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.0 9.8 29.5 15 4,287,500 12,324 4,418,435,740 40 14,525,267
2 38.3 9.6 34.8 16 5,311,667 11,490 4,114,466,708 42 15,282,232
3 66.6 12.3 80.4 29 12,793,349 10,674 3,798,856,298 44 15,911,512
4 58.5 11.5 66.1 26 10,550,000 9,618 3,374,453,068 44 15,952,072
5 56.7 11.3 48.4 25 7,650,000 8,595 3,008,640,503 44 15,803,762
6 62.4 12.7 74.2 24 10,260,000 6,874 2,404,734,638 39 13,835,165
7+ 66.4 8.7 57.2 58 17,660,000 12,487 4,331,941,530 87 30,886,755
Total 56.9 4.1 56.1 193 68,512,516 72,062 25,451,528,485 340 122,196,765
By Issue Age
20-24 61.3 61.3 51.4 1 250,000 2,190 653,291,700 2 486,042
25-29 82.1 33.5 97.6 6 2,300,000 6,462 2,088,839,738 7 2,357,430
30-34 43.3 13.7 47.5 10 3,760,000 13,462 4,629,911,502 23 7,922,656
35-39 46.5 9.9 54.7 22 9,135,000 17,535 6,223,179,716 47 16,702,841
40-44 67.7 9.7 54.3 49 14,405,849 15,735 5,787,163,253 73 26,507,820
45-49 46.4 7.8 46.4 35 12,861,667 9,710 3,554,556,131 76 27,743,481
50-54 49.5 9.0 51.3 30 11,400,000 4,679 1,701,613,100 61 22,212,831
55-59 85.1 15.3 87.4 31 11,250,000 1,818 641,434,400 36 12,865,686
60-64 61.1 21.6 60.0 8 2,900,000 429 158,027,301 13 4,831,801
65+ 55.6 55.6 44.2 1 250,000 43 13,511,644 2 566,177
Total 56.9 4.1 56.1 193 68,512,516 72,062 25,451,528,485 340 122,196,765
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,065 318,232,282 1 204,256
25-29 83.3 48.1 88.4 3 1,000,000 4,029 1,267,220,530 4 1,131,754
30-34 41.7 18.7 44.5 5 1,800,000 9,010 3,051,020,559 12 4,045,088
35-39 40.7 11.7 37.8 12 3,885,000 14,986 5,226,603,064 30 10,271,418
40-44 55.8 10.3 60.3 29 11,435,849 16,496 6,004,613,788 52 18,969,269
45-49 56.1 8.9 51.3 40 13,320,000 13,257 4,825,985,790 71 25,963,359
50-54 53.2 8.6 48.4 38 12,521,667 7,845 2,819,392,529 71 25,846,144
55-59 58.8 10.2 62.4 33 12,950,000 3,692 1,348,736,566 56 20,747,255
60-64 88.7 17.1 93.1 27 9,950,000 1,333 464,960,727 30 10,688,459
65+ 49.6 20.2 38.1 6 1,650,000 350 124,762,650 12 4,329,762
Total 56.9 4.1 56.1 193 68,512,516 72,062 25,451,528,485 340 122,196,765

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.8 5.3 23.7 23 476,000 21,841 495,823,235 90 2,008,384
2 35.3 6.0 38.5 34 835,431 20,415 464,656,048 97 2,168,817
3 42.0 6.2 42.9 45 1,043,571 19,610 450,178,239 108 2,433,508
4 54.6 6.9 57.3 62 1,487,358 18,488 427,660,443 114 2,594,190
5 49.8 6.6 52.3 57 1,376,938 16,415 383,228,353 115 2,633,386
6 57.0 7.5 60.5 58 1,422,461 13,083 305,842,512 102 2,350,312
7+ 52.9 5.1 55.3 109 2,722,900 20,711 492,973,494 206 4,927,299
Total 46.8 2.4 49.0 389 9,364,659 130,563 3,020,362,325 832 19,115,894
By Issue Age
20-24 44.8 25.9 79.6 3 110,000 9,639 198,478,537 7 138,205
25-29 57.0 19.0 66.5 9 235,000 16,220 364,029,277 16 353,449
30-34 33.7 11.2 30.1 9 185,000 17,886 410,805,672 27 614,249
35-39 48.7 10.1 52.9 23 607,581 19,281 462,339,436 48 1,149,253
40-44 53.6 7.4 54.7 52 1,293,692 21,531 521,069,853 97 2,364,366
45-49 52.2 5.6 55.2 88 2,250,503 21,006 502,592,208 169 4,073,759
50-54 45.3 4.7 44.9 93 2,161,507 14,637 339,145,059 206 4,818,955
55-59 45.2 5.1 48.4 77 1,797,548 7,688 166,517,152 171 3,713,501
60+ 37.2 6.4 38.3 34 723,828 2,675 55,385,132 91 1,890,156
Total 46.8 2.4 49.0 389 9,364,659 130,563 3,020,362,325 832 19,115,894
By Attained Age
20-24 39.4 39.4 48.1 1 25,000 4,237 86,221,177 3 51,973
25-29 49.4 22.1 74.2 5 165,000 12,902 282,617,602 10 222,505
30-34 46.8 15.6 46.3 9 200,000 16,713 375,111,220 19 431,527
35-39 42.5 11.8 47.6 13 342,000 17,546 411,515,799 31 719,174
40-44 47.0 8.8 49.2 28 707,927 20,068 480,003,444 60 1,438,600
45-49 51.4 6.7 51.9 59 1,446,854 21,238 511,955,332 116 2,786,375
50-54 49.5 5.3 51.4 88 2,139,317 18,319 431,903,300 177 4,165,573
55-59 40.0 4.5 40.6 79 1,844,185 11,873 273,303,133 198 4,545,007
60-64 51.8 6.0 55.9 75 1,782,818 5,711 126,134,388 145 3,189,027
65+ 43.3 7.6 45.4 32 711,558 1,956 41,596,930 74 1,566,133
Total 46.8 2.4 49.0 389 9,364,659 130,563 3,020,362,325 832 19,115,894

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.3 5.2 27.5 26 1,465,000 31,633 1,715,774,181 99 5,328,242
2 48.2 6.8 47.6 50 2,679,286 28,570 1,556,519,878 104 5,626,032
3 52.1 6.8 50.1 59 3,057,816 26,541 1,451,757,600 113 6,102,447
4 57.4 6.8 55.3 70 3,651,543 25,009 1,372,299,946 122 6,608,316
5 53.4 6.6 53.2 66 3,550,600 22,192 1,219,451,687 123 6,676,668
6 53.9 6.8 53.0 62 3,302,725 18,238 1,000,269,224 115 6,229,370
7+ 56.1 4.4 55.7 160 8,585,199 34,105 1,865,552,284 285 15,416,013
Total 51.3 2.3 50.6 494 26,292,169 186,288 10,181,624,799 963 51,987,088
By Issue Age
20-24 26.7 18.9 24.5 2 100,000 10,660 582,933,671 7 408,816
25-29 76.0 17.9 75.3 18 986,000 24,074 1,329,294,215 24 1,308,914
30-34 32.3 8.3 29.2 15 750,000 30,816 1,703,293,865 46 2,567,277
35-39 43.2 7.0 43.3 38 2,105,520 34,520 1,907,411,342 88 4,861,539
40-44 42.8 5.1 42.6 70 3,804,986 35,619 1,942,200,183 164 8,926,709
45-49 53.9 4.8 53.4 124 6,612,300 27,843 1,500,003,872 230 12,383,647
50-54 58.2 5.1 57.2 130 6,837,036 15,552 832,642,438 223 11,962,565
55-59 58.8 6.6 58.5 78 4,158,327 5,851 312,364,357 133 7,110,834
60-64 42.4 10.6 42.3 16 838,000 1,148 60,380,882 38 1,982,957
65+ 23.1 16.3 21.1 2 100,000 204 11,099,973 9 473,830
Total 51.3 2.3 50.6 494 26,292,169 186,288 10,181,624,799 963 51,987,088
By Attained Age
20-24 0.0 0.0 0.0 0 0 4,687 256,080,635 3 156,074
25-29 89.6 25.9 87.9 12 645,000 16,903 926,906,294 13 733,950
30-34 39.2 11.3 38.0 12 641,000 26,410 1,458,014,364 31 1,687,069
35-39 36.8 8.2 32.8 20 984,773 30,990 1,715,008,251 54 3,000,311
40-44 34.5 5.8 35.4 35 1,972,290 33,920 1,860,945,983 102 5,578,027
45-49 50.6 5.4 50.2 87 4,711,443 32,013 1,746,730,281 172 9,379,980
50-54 48.8 4.7 48.8 108 5,792,536 23,117 1,241,073,371 221 11,861,815
55-59 66.4 5.7 65.2 134 7,077,050 12,295 659,566,508 202 10,847,229
60-64 56.9 7.0 55.4 66 3,430,077 4,645 247,677,613 116 6,195,047
65+ 39.7 9.1 40.7 19 1,038,000 1,309 69,621,498 48 2,547,586
Total 51.3 2.3 50.6 494 26,292,169 186,288 10,181,624,799 963 51,987,088

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.0 4.9 28.0 33 3,865,000 44,204 5,097,600,690 119 13,792,326
2 58.7 6.7 60.4 77 9,242,200 43,133 4,978,924,096 131 15,309,130
3 55.0 6.2 52.8 80 8,897,500 41,401 4,779,820,192 145 16,841,849
4 53.7 5.9 53.1 83 9,570,000 38,824 4,480,968,043 155 18,012,863
5 54.5 5.9 54.1 86 9,938,905 34,721 4,025,981,057 158 18,376,997
6 47.0 5.7 44.7 68 7,537,667 28,082 3,262,328,370 145 16,867,253
7+ 57.1 4.0 58.8 203 24,368,085 50,740 5,902,046,420 356 41,416,029
Total 52.2 2.1 52.2 630 73,419,357 281,103 32,527,668,868 1,208 140,616,446
By Issue Age
20-24 105.5 29.3 98.0 13 1,350,000 17,473 1,955,647,135 12 1,377,515
25-29 79.6 13.8 76.3 33 3,580,000 41,525 4,688,306,269 41 4,689,967
30-34 56.0 7.9 61.1 50 6,310,000 58,171 6,710,759,629 89 10,328,192
35-39 47.5 5.7 47.4 70 8,201,085 58,409 6,824,568,152 148 17,292,002
40-44 43.9 4.4 43.4 101 11,800,000 50,103 5,887,224,698 231 27,160,485
45-49 48.7 4.3 49.4 128 15,208,200 31,612 3,690,733,659 264 30,765,987
50-54 60.6 5.0 60.9 145 17,051,705 16,448 1,926,356,128 239 27,993,276
55-59 50.3 6.1 48.7 68 7,568,367 5,967 684,128,030 136 15,551,216
60-64 44.9 10.6 44.5 18 2,050,000 1,216 139,679,564 40 4,605,615
65+ 39.9 23.0 35.2 3 300,000 179 20,265,604 8 852,192
Total 52.2 2.1 52.2 630 73,419,357 281,103 32,527,668,868 1,208 140,616,446
By Attained Age
20-24 43.7 30.9 48.6 2 250,000 7,448 837,869,565 5 514,458
25-29 80.7 19.0 77.2 18 1,930,000 27,949 3,132,264,915 22 2,500,364
30-34 73.9 11.5 74.7 41 4,735,000 47,410 5,408,072,603 55 6,335,279
35-39 47.2 6.9 45.9 47 5,320,000 56,841 6,576,057,921 100 11,585,852
40-44 51.9 5.7 52.2 83 9,855,000 53,808 6,318,551,008 161 18,862,007
45-49 39.6 4.2 41.0 89 10,826,085 42,065 4,934,948,148 225 26,435,445
50-54 53.1 4.6 52.6 132 15,385,700 26,080 3,058,933,826 249 29,242,133
55-59 53.8 5.0 54.7 117 13,878,905 13,223 1,539,506,174 218 25,388,057
60-64 59.0 6.9 57.6 74 8,312,667 4,996 575,427,535 125 14,429,086
65+ 55.6 10.9 55.0 26 2,926,000 1,283 146,037,173 47 5,323,767
Total 52.2 2.1 52.2 630 73,419,357 281,103 32,527,668,868 1,208 140,616,446

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.2 10.3 24.3 8 2,537,500 8,293 3,079,293,107 28 10,451,189
2 40.5 11.7 31.7 12 3,551,667 7,793 2,895,718,272 30 11,196,643
3 70.7 15.0 79.7 22 9,393,349 7,273 2,683,849,049 31 11,786,935
4 62.1 13.9 69.4 20 8,300,000 6,589 2,394,034,465 32 11,961,933
5 49.3 12.3 43.8 16 5,275,000 5,951 2,161,510,753 32 12,039,271
6 52.3 13.5 61.1 15 6,530,000 4,799 1,744,314,452 29 10,693,614
7+ 68.7 10.1 58.3 46 14,260,000 8,888 3,192,689,101 67 24,455,825
Total 55.9 4.7 53.8 139 49,847,516 49,587 18,151,409,199 249 92,585,410
By Issue Age
20-24 106.5 106.5 87.4 1 250,000 1,351 410,889,277 1 286,204
25-29 75.3 43.5 72.4 3 950,000 3,911 1,287,433,850 4 1,312,160
30-34 43.1 17.6 51.2 6 2,560,000 8,899 3,173,717,024 14 4,998,809
35-39 45.6 12.2 55.4 14 6,210,000 12,094 4,420,038,989 31 11,217,177
40-44 70.6 11.7 55.8 36 10,815,849 11,184 4,267,885,823 51 19,396,747
45-49 44.4 8.9 41.9 25 9,061,667 6,960 2,671,435,609 56 21,639,349
50-54 43.5 9.5 45.6 21 8,250,000 3,437 1,285,031,080 48 18,100,786
55-59 81.1 16.5 80.7 24 8,600,000 1,342 485,877,172 30 10,661,797
60-64 66.4 23.5 65.3 8 2,900,000 371 136,838,731 12 4,442,854
65+ 60.6 60.6 47.2 1 250,000 38 12,261,644 2 529,528
Total 55.9 4.7 53.8 139 49,847,516 49,587 18,151,409,199 249 92,585,410
By Attained Age
20-24 0.0 0.0 0.0 0 0 634 193,284,096 0 118,015
25-29 101.6 71.8 102.6 2 650,000 2,431 780,257,906 2 633,359
30-34 43.7 25.2 33.4 3 800,000 5,716 1,991,366,341 7 2,398,473
35-39 33.5 13.6 35.5 6 2,310,000 10,071 3,628,609,221 18 6,506,647
40-44 60.8 13.2 65.1 21 8,525,849 11,559 4,350,718,278 35 13,101,303
45-49 50.8 10.0 43.4 26 8,390,000 9,515 3,599,795,150 51 19,346,735
50-54 56.0 10.2 50.5 30 10,171,667 5,588 2,094,496,861 54 20,142,849
55-59 50.2 10.4 50.7 23 8,800,000 2,778 1,049,557,265 46 17,368,684
60-64 87.0 18.6 95.2 22 8,550,000 998 354,834,548 25 8,983,345
65+ 54.7 22.3 41.4 6 1,650,000 297 108,489,532 11 3,986,000
Total 55.9 4.7 53.8 139 49,847,516 49,587 18,151,409,199 249 92,585,410

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 21.5 4.2 20.4 26 558,100 30,604 698,493,520 123 2,731,415
2 47.4 6.1 47.8 60 1,352,577 28,272 647,395,157 127 2,831,895
3 60.5 6.7 60.6 80 1,827,784 26,948 621,887,766 133 3,017,197
4 54.8 6.3 52.5 75 1,645,804 25,415 591,963,674 137 3,133,888
5 54.3 6.4 54.4 73 1,691,470 22,737 533,987,618 135 3,110,459
6 71.0 7.8 75.0 83 2,053,536 18,054 426,626,784 117 2,738,609
7+ 56.6 5.2 54.7 120 2,798,015 27,121 655,386,241 212 5,111,582
Total 52.7 2.3 52.6 518 11,927,286 179,150 4,175,740,760 982 22,675,044
By Issue Age
20-24 73.0 25.8 80.7 8 185,000 12,788 267,255,860 11 229,283
25-29 66.5 15.7 62.7 18 380,000 21,307 477,206,362 27 605,821
30-34 68.8 12.3 77.5 31 818,200 23,046 538,506,289 45 1,056,105
35-39 50.6 8.1 57.5 39 1,085,750 25,289 616,386,145 77 1,886,910
40-44 60.6 6.6 63.8 84 2,166,180 29,594 723,187,280 139 3,393,705
45-49 51.5 5.0 47.1 106 2,369,106 29,434 713,909,755 206 5,033,704
50-54 48.5 4.7 46.2 105 2,350,444 21,403 500,818,499 217 5,086,813
55-59 51.3 5.6 48.8 85 1,731,733 11,739 249,759,249 166 3,548,065
60+ 43.5 6.8 45.8 41 840,873 4,551 88,711,321 94 1,834,639
Total 52.7 2.3 52.6 518 11,927,286 179,150 4,175,740,760 982 22,675,044
By Attained Age
20-24 105.1 52.5 126.1 4 100,000 5,499 114,086,351 4 79,296
25-29 68.6 19.8 62.7 12 240,000 17,376 379,779,474 17 382,715
30-34 42.4 11.3 42.4 14 320,000 21,632 493,692,025 33 754,243
35-39 57.1 10.2 67.4 31 869,200 23,351 552,937,622 54 1,289,630
40-44 65.5 8.3 67.1 62 1,551,688 26,438 645,661,429 95 2,313,977
45-49 52.6 5.7 53.5 84 2,066,497 29,391 709,224,963 160 3,859,859
50-54 53.4 5.1 52.0 110 2,571,510 25,835 620,228,661 206 4,946,128
55-59 50.2 5.0 47.3 102 2,201,565 17,810 409,139,802 204 4,658,265
60-64 46.5 5.9 41.3 63 1,201,796 8,584 185,311,943 136 2,913,207
65+ 47.8 8.1 54.5 35 805,030 3,233 65,678,489 73 1,477,724
Total 52.7 2.3 52.6 518 11,927,286 179,150 4,175,740,760 982 22,675,044

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.9 5.2 32.7 37 2,012,500 37,768 2,017,678,478 116 6,150,328
2 48.9 6.5 48.6 57 3,022,254 33,674 1,806,824,652 117 6,220,933
3 43.6 6.0 43.9 53 2,863,990 31,048 1,673,536,373 122 6,525,231
4 54.5 6.6 54.0 69 3,662,360 29,032 1,570,776,719 127 6,784,440
5 56.7 6.7 57.3 71 3,873,652 26,032 1,414,553,194 126 6,760,425
6 51.6 6.7 52.5 60 3,292,128 21,832 1,187,392,555 116 6,265,719
7+ 65.0 4.9 65.5 173 9,361,657 40,583 2,205,337,417 266 14,284,237
Total 52.6 2.3 53.0 521 28,088,541 219,969 11,876,099,389 990 52,991,315
By Issue Age
20-24 63.8 24.1 63.1 7 375,000 12,736 691,106,493 11 594,380
25-29 61.0 12.7 62.3 23 1,281,527 29,525 1,608,568,957 38 2,056,414
30-34 63.9 9.4 66.3 46 2,610,870 36,316 1,983,188,702 72 3,939,400
35-39 68.4 7.3 68.6 88 4,831,473 41,373 2,256,620,926 129 7,043,795
40-44 61.3 5.5 60.6 122 6,499,868 41,762 2,246,848,314 199 10,717,112
45-49 51.3 4.7 52.5 118 6,452,803 32,176 1,717,519,566 230 12,285,575
50-54 36.6 4.5 35.2 67 3,395,000 17,941 944,008,397 183 9,649,843
55-59 42.9 6.9 43.9 39 2,107,000 6,374 334,869,727 91 4,798,992
60-64 21.9 8.3 22.2 7 375,000 1,605 85,066,794 32 1,691,133
65+ 71.6 41.3 74.5 3 160,000 162 8,301,513 4 214,671
Total 52.6 2.3 53.0 521 28,088,541 219,969 11,876,099,389 990 52,991,315
By Attained Age
20-24 53.2 37.6 49.1 2 100,000 5,401 292,786,747 4 203,616
25-29 51.2 15.4 58.6 11 681,527 21,260 1,151,827,919 21 1,163,345
30-34 67.2 11.7 66.4 33 1,772,870 32,059 1,744,471,069 49 2,670,562
35-39 59.8 8.5 61.6 50 2,801,189 35,890 1,953,807,566 84 4,548,850
40-44 59.8 6.5 58.7 84 4,489,070 39,551 2,151,132,632 141 7,653,783
45-49 58.7 5.4 59.2 119 6,467,269 37,730 2,033,426,371 203 10,931,119
50-54 52.2 5.0 52.4 111 5,942,116 26,962 1,435,940,131 213 11,333,018
55-59 39.3 4.9 39.0 63 3,302,500 14,329 756,167,504 161 8,476,169
60-64 43.5 7.3 44.7 35 1,897,000 5,244 275,230,358 81 4,239,279
65+ 35.7 10.3 35.8 12 635,000 1,542 81,309,091 34 1,771,574
Total 52.6 2.3 53.0 521 28,088,541 219,969 11,876,099,389 990 52,991,315

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.7 4.9 24.3 29 2,987,500 41,555 4,661,890,191 109 12,281,188
2 55.4 6.9 55.0 65 7,285,000 40,462 4,546,266,004 118 13,245,735
3 72.3 7.6 75.3 90 10,568,000 38,649 4,342,437,226 125 14,041,078
4 63.7 7.0 63.8 82 9,245,000 36,209 4,072,422,042 129 14,485,591
5 70.8 7.5 75.3 90 10,775,880 32,344 3,644,328,508 127 14,304,672
6 79.4 8.4 76.0 89 9,620,750 25,898 2,920,968,822 112 12,650,981
7+ 66.8 5.3 66.5 159 17,811,507 44,544 5,022,986,172 238 26,779,954
Total 63.1 2.6 63.4 605 68,293,637 259,662 29,211,298,966 958 107,789,198
By Issue Age
20-24 69.3 20.9 63.6 11 1,117,500 18,400 2,039,148,892 16 1,756,785
25-29 62.7 10.4 62.6 36 4,005,880 44,185 4,921,077,203 57 6,402,167
30-34 63.5 7.6 65.2 70 8,120,000 54,845 6,181,675,008 110 12,457,658
35-39 60.6 6.1 64.3 100 12,022,052 53,437 6,051,881,642 165 18,708,118
40-44 70.7 5.9 71.8 145 16,735,750 43,336 4,925,275,868 205 23,304,606
45-49 67.3 5.9 66.5 130 14,470,000 27,342 3,075,266,172 194 21,758,700
50-54 54.6 6.4 50.9 72 7,565,000 12,989 1,454,740,443 133 14,868,319
55-59 48.8 8.9 46.9 30 3,182,455 4,305 474,907,821 61 6,791,167
60-64 58.3 20.6 59.8 8 875,000 711 75,872,228 14 1,463,739
65+ 73.5 52.0 72.0 2 200,000 112 11,453,688 3 277,939
Total 63.1 2.6 63.4 605 68,293,637 259,662 29,211,298,966 958 107,789,198
By Attained Age
20-24 73.3 36.6 64.6 4 392,500 7,833 872,354,864 5 607,689
25-29 65.6 14.7 61.4 20 2,075,000 30,084 3,332,854,727 30 3,378,874
30-34 52.6 8.5 53.3 38 4,305,880 47,043 5,258,444,358 72 8,079,037
35-39 60.8 7.0 63.2 75 8,828,000 53,094 6,008,210,099 124 13,977,313
40-44 62.1 6.0 66.4 106 12,874,052 48,237 5,475,608,962 171 19,383,258
45-49 75.9 6.2 75.6 149 16,825,750 36,624 4,150,257,810 197 22,262,193
50-54 63.5 6.0 60.8 112 12,040,000 22,314 2,513,298,611 176 19,799,922
55-59 49.9 6.5 48.1 58 6,210,000 10,355 1,150,458,384 116 12,912,200
60-64 68.5 11.6 66.9 35 3,792,455 3,321 367,837,022 51 5,666,706
65+ 50.1 17.7 55.2 8 950,000 758 81,974,128 16 1,722,006
Total 63.1 2.6 63.4 605 68,293,637 259,662 29,211,298,966 958 107,789,198

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 58.2 22.0 43.0 7 1,750,000 4,031 1,339,142,633 12 4,074,078
2 33.0 16.4 43.1 4 1,760,000 3,697 1,218,748,436 12 4,085,589
3 56.2 21.2 82.4 7 3,400,000 3,401 1,115,007,249 12 4,124,577
4 49.1 20.0 56.4 6 2,250,000 3,029 980,418,603 12 3,990,139
5 77.2 25.7 63.1 9 2,375,000 2,644 847,129,750 12 3,764,491
6 92.0 30.7 118.7 9 3,730,000 2,076 660,420,186 10 3,141,550
7+ 59.0 17.0 52.9 12 3,400,000 3,598 1,139,252,429 20 6,430,929
Total 59.6 8.1 63.0 54 18,665,000 22,476 7,300,119,286 91 29,611,354
By Issue Age
20-24 0.0 0.0 0.0 0 0 839 242,402,423 1 199,838
25-29 90.3 52.1 129.2 3 1,350,000 2,551 801,405,888 3 1,045,269
30-34 43.5 21.7 41.0 4 1,200,000 4,563 1,456,194,478 9 2,923,847
35-39 48.2 17.1 53.3 8 2,925,000 5,441 1,803,140,727 17 5,485,664
40-44 60.7 16.8 50.5 13 3,590,000 4,551 1,519,277,429 21 7,111,074
45-49 52.2 16.5 62.3 10 3,800,000 2,749 883,120,522 19 6,104,132
50-54 73.3 24.4 76.6 9 3,150,000 1,242 416,582,020 12 4,112,045
55-59 102.8 38.9 120.2 7 2,650,000 477 155,557,228 7 2,203,889
60+ 0.0 0.0 0.0 0 0 63 22,438,571 1 425,596
Total 59.6 8.1 63.0 54 18,665,000 22,476 7,300,119,286 91 29,611,354
By Attained Age
20-24 0.0 0.0 0.0 0 0 431 124,948,186 0 86,241
25-29 61.3 61.3 70.2 1 350,000 1,598 486,962,623 2 498,395
30-34 39.1 27.6 60.7 2 1,000,000 3,295 1,059,654,217 5 1,646,616
35-39 51.9 21.2 41.8 6 1,575,000 4,915 1,597,993,842 12 3,764,771
40-44 45.8 16.2 49.6 8 2,910,000 4,936 1,653,895,510 18 5,867,966
45-49 69.4 18.5 74.5 14 4,930,000 3,742 1,226,190,640 20 6,616,624
50-54 45.0 15.9 41.2 8 2,350,000 2,257 724,895,668 18 5,703,295
55-59 97.0 30.7 122.8 10 4,150,000 914 299,179,301 10 3,378,570
60-64 96.7 43.2 82.1 5 1,400,000 335 110,126,179 5 1,705,114
65+ 0.0 0.0 0.0 0 0 54 16,273,119 1 343,762
Total 59.6 8.1 63.0 54 18,665,000 22,476 7,300,119,286 91 29,611,354

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 54.1 13.1 43.7 17 279,000 9,723 204,045,385 32 639,006
2 36.5 10.5 42.5 12 285,000 8,966 189,139,499 33 671,081
3 96.3 16.7 101.2 33 714,008 8,412 178,962,299 34 705,855
4 72.9 14.6 79.9 25 565,755 7,766 166,230,310 34 708,120
5 73.1 14.9 81.1 24 555,000 6,761 146,548,333 33 684,295
6 90.2 18.0 96.5 25 561,500 5,225 113,433,222 28 581,571
7+ 91.0 13.6 92.9 45 994,674 7,606 168,144,351 49 1,071,084
Total 74.5 5.5 78.1 181 3,954,937 54,460 1,166,503,399 244 5,061,013
By Issue Age
20-24 70.7 40.8 88.6 3 75,000 5,476 109,319,630 4 84,625
25-29 55.6 24.9 59.2 5 115,000 8,109 175,709,041 9 194,113
30-34 66.7 22.2 65.9 9 195,000 7,808 170,544,132 13 295,874
35-39 88.8 19.4 98.5 21 545,000 8,480 197,427,203 24 553,089
40-44 72.4 12.8 81.6 32 797,000 9,737 215,515,920 44 976,260
45-49 83.1 11.7 88.0 50 1,105,508 8,338 172,778,699 61 1,255,603
50-54 63.5 11.2 61.1 32 612,429 4,447 87,614,065 51 1,001,778
55-59 71.5 16.0 59.5 20 305,000 1,656 30,121,596 28 512,353
60-64 90.8 32.1 110.5 8 180,000 380 6,857,525 9 162,883
65+ 91.8 91.8 102.3 1 25,000 28 615,588 1 24,435
Total 74.5 5.5 78.1 181 3,954,937 54,460 1,166,503,399 244 5,061,013
By Attained Age
20-24 64.2 64.2 80.2 1 25,000 2,410 48,011,229 2 31,185
25-29 32.4 22.9 38.7 2 50,000 6,944 145,540,892 6 129,175
30-34 77.2 27.3 76.8 8 170,000 7,780 166,602,027 10 221,468
35-39 83.3 23.1 97.4 13 344,000 7,619 172,210,872 16 353,032
40-44 69.5 15.2 72.8 21 501,000 9,153 209,384,988 30 688,158
45-49 88.1 13.2 94.8 44 1,017,508 9,282 199,051,675 50 1,073,158
50-54 63.7 10.5 68.3 37 814,000 6,743 138,603,763 58 1,191,806
55-59 69.7 12.7 66.7 30 563,429 3,198 62,551,588 43 845,217
60-64 90.2 20.7 80.3 19 315,000 1,066 19,577,196 21 392,170
65+ 85.5 34.9 114.3 6 155,000 264 4,969,170 7 135,645
Total 74.5 5.5 78.1 181 3,954,937 54,460 1,166,503,399 244 5,061,013

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 55.3 17.5 57.4 10 555,000 8,244 443,739,569 18 967,028
2 73.8 20.4 68.8 13 655,000 7,113 384,522,611 18 951,823
3 73.6 20.4 76.4 13 726,000 6,266 340,151,129 18 950,434
4 83.7 21.6 87.0 15 837,870 5,601 303,891,979 18 962,616
5 50.3 16.8 49.9 9 478,725 4,939 268,062,896 18 959,620
6 111.5 26.3 111.3 18 964,128 3,983 215,820,029 16 865,993
7+ 96.0 14.8 100.2 42 2,327,396 7,459 401,811,568 44 2,321,615
Total 80.5 7.3 82.0 120 6,544,119 43,605 2,357,999,783 149 7,979,130
By Issue Age
20-39 71.8 11.8 72.9 37 2,038,519 30,031 1,635,943,631 52 2,797,235
40-44 91.0 16.6 93.7 30 1,650,000 7,155 381,710,587 33 1,760,159
45-49 98.1 17.6 100.8 31 1,696,000 4,175 221,968,698 32 1,681,834
50-54 61.7 17.1 63.6 13 710,000 1,686 89,139,032 21 1,116,592
55+ 75.6 25.2 72.1 9 449,600 557 29,237,835 12 623,311
Total 80.5 7.3 82.0 120 6,544,119 43,605 2,357,999,783 149 7,979,130
By Attained Age
20-44 66.1 10.6 67.0 39 2,136,123 32,497 1,766,160,757 59 3,189,749
45-49 103.3 18.0 106.0 33 1,818,396 6,053 324,019,351 32 1,715,475
50-54 80.4 17.1 83.4 22 1,215,000 3,172 168,909,233 27 1,457,568
55-59 97.7 23.0 96.8 18 940,000 1,347 70,818,069 18 971,038
60+ 64.9 22.9 67.3 8 434,600 536 28,092,372 12 645,301
Total 80.5 7.3 82.0 120 6,544,119 43,605 2,357,999,783 149 7,979,130

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING 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 15.2 27.7 4 410,000 6,838 758,830,889 13 1,478,378
2 86.5 25.0 97.3 12 1,500,000 6,250 691,036,193 14 1,541,333
3 105.2 27.2 106.9 15 1,700,000 5,683 627,907,475 14 1,590,676
4 41.6 17.0 40.4 6 650,000 5,042 556,892,061 14 1,607,698
5 136.6 31.3 139.7 19 2,170,880 4,380 485,247,468 14 1,553,599
6 92.0 27.7 85.8 11 1,150,000 3,329 368,950,618 12 1,341,019
7+ 88.1 18.4 87.6 23 2,566,085 5,532 617,875,929 26 2,929,365
Total 83.6 8.8 84.3 90 10,146,965 37,054 4,106,740,633 108 12,042,068
By Issue Age
20-34 80.9 17.7 89.8 21 2,555,880 20,954 2,295,187,782 26 2,847,394
35-39 91.5 22.2 84.3 17 1,766,085 6,958 783,324,222 19 2,094,992
40-44 64.7 16.7 64.6 15 1,675,000 5,109 571,231,018 23 2,592,714
45-49 129.1 25.3 131.4 26 3,040,000 2,638 303,222,966 20 2,313,673
50-54 37.3 16.7 33.5 5 500,000 1,089 121,133,539 13 1,492,853
55-59 100.3 44.4 93.7 5 510,000 249 26,796,038 5 544,038
60+ 66.2 66.2 63.9 1 100,000 56 5,845,068 2 156,405
Total 83.6 8.8 84.3 90 10,146,965 37,054 4,106,740,633 108 12,042,068
By Attained Age
20-39 69.9 14.9 73.6 22 2,555,880 23,815 2,617,463,871 31 3,471,348
40-44 73.1 19.5 72.5 14 1,550,000 6,058 676,844,262 19 2,136,896
45-49 138.4 25.3 137.3 30 3,381,085 4,087 464,278,758 22 2,462,527
50-54 65.8 19.0 69.6 12 1,450,000 2,057 234,585,934 18 2,082,467
55-59 72.6 25.5 65.7 8 810,000 778 85,620,743 11 1,233,743
60+ 65.4 32.7 61.1 4 400,000 259 27,947,065 6 655,087
Total 83.6 8.8 84.3 90 10,146,965 37,054 4,106,740,633 108 12,042,068

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 189.4 109.4 177.4 3 1,000,000 594 206,986,800 2 563,738
2 62.8 62.8 45.8 1 250,000 536 180,204,831 2 545,341
3 131.8 93.2 127.3 2 650,000 457 148,467,128 2 510,730
4 69.7 69.7 51.3 1 250,000 395 127,640,453 1 487,519
5 134.5 95.1 97.3 2 500,000 361 120,720,455 1 513,810
6 0.0 0.0 0.0 0 0 300 100,847,746 1 447,400
7+ 29.8 29.8 36.1 1 400,000 607 199,492,190 3 1,109,136
Total 81.6 25.8 73.0 10 3,050,000 3,250 1,084,359,603 12 4,177,674
By Issue Age
20-24 0.0 0.0 0.0 0 0 162 48,609,687 0 35,953
25-29 212.7 212.7 242.3 1 350,000 450 137,374,424 0 144,456
30-34 79.4 79.4 95.1 1 400,000 740 248,050,780 1 420,789
35-39 97.5 68.9 81.9 2 550,000 734 242,955,660 2 671,235
40-44 110.3 63.7 74.0 3 750,000 598 218,942,766 3 1,013,850
45-49 95.5 55.1 98.8 3 1,000,000 404 132,027,646 3 1,012,215
50-54 0.0 0.0 0.0 0 0 101 35,034,426 1 462,567
55+ 0.0 0.0 0.0 0 0 60 21,364,213 1 416,609
Total 81.6 25.8 73.0 10 3,050,000 3,250 1,084,359,603 12 4,177,674
By Attained Age
20-24 0.0 0.0 0.0 0 0 74 21,686,469 0 13,549
25-29 365.6 365.6 425.8 1 350,000 320 96,489,040 0 82,191
30-34 0.0 0.0 0.0 0 0 518 168,742,789 1 213,725
35-39 154.0 108.9 128.7 2 550,000 678 224,478,849 1 427,354
40-44 138.3 79.8 120.1 3 900,000 696 241,101,071 2 749,176
45-49 132.2 66.1 119.0 4 1,250,000 564 194,684,940 3 1,050,329
50-54 0.0 0.0 0.0 0 0 262 89,863,112 2 811,997
55-59 0.0 0.0 0.0 0 0 101 34,751,175 2 544,662
60+ 0.0 0.0 0.0 0 0 37 12,562,158 1 284,692
Total 81.6 25.8 73.0 10 3,050,000 3,250 1,084,359,603 12 4,177,674

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 86.7 24.0 71.1 13 221,000 4,867 104,231,537 15 310,992
2 44.4 16.6 56.1 7 185,000 4,372 93,616,942 16 329,549
3 103.9 25.1 110.3 17 378,008 3,987 86,215,337 16 342,828
4 79.7 22.1 100.9 13 345,000 3,647 79,093,040 16 341,992
5 45.0 17.0 62.3 7 205,000 3,128 68,520,441 16 328,993
6 76.2 24.1 83.6 10 231,500 2,397 52,251,846 13 276,749
7+ 82.4 18.4 95.8 20 509,000 3,530 77,944,837 24 531,089
Total 74.7 8.0 84.3 87 2,074,508 25,927 561,873,980 117 2,462,192
By Issue Age
20-24 0.0 0.0 0.0 0 0 2,676 53,906,237 2 37,679
25-29 50.0 35.4 62.9 2 55,000 4,177 91,810,433 4 87,405
30-34 53.5 30.9 60.9 3 75,000 3,800 83,142,371 6 123,193
35-39 111.8 33.7 112.7 11 258,000 3,986 92,478,418 10 228,825
40-44 82.9 20.1 93.1 17 430,000 4,674 105,156,479 21 461,642
45-49 92.8 17.8 117.3 27 715,508 3,792 78,980,363 29 610,223
50-54 49.1 13.6 47.0 13 256,000 2,018 40,865,208 27 545,034
55-59 63.4 21.1 60.5 9 165,000 657 12,636,062 14 272,522
60-64 104.2 52.1 127.8 4 95,000 123 2,382,819 4 74,321
65+ 103.5 103.5 117.1 1 25,000 24 515,588 1 21,348
Total 74.7 8.0 84.3 87 2,074,508 25,927 561,873,980 117 2,462,192
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,158 23,238,415 1 13,976
25-29 0.0 0.0 0.0 0 0 3,593 76,872,825 3 60,549
30-34 91.0 45.5 111.6 4 105,000 3,853 82,634,509 4 94,054
35-39 109.9 41.6 125.9 7 182,000 3,660 82,863,085 6 144,558
40-44 68.6 22.9 63.7 9 191,000 4,372 100,219,927 13 299,899
45-49 103.6 21.1 119.5 24 607,508 4,323 94,560,340 23 508,343
50-54 65.2 14.9 78.8 19 472,000 3,087 63,399,912 29 599,109
55-59 59.5 16.5 58.9 13 262,000 1,326 27,020,537 22 444,544
60-64 59.8 22.6 62.2 7 145,000 468 9,363,133 12 233,203
65+ 124.5 62.2 172.0 4 110,000 87 1,701,296 3 63,957
Total 74.7 8.0 84.3 87 2,074,508 25,927 561,873,980 117 2,462,192

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING 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 20.3 35.9 4 190,000 4,809 259,893,371 10 528,795
2 82.5 29.2 76.6 8 400,000 4,093 222,542,202 10 522,302
3 93.0 31.0 96.0 9 501,000 3,564 194,377,619 10 522,143
4 81.6 28.8 81.4 8 430,000 3,137 170,989,687 10 528,498
5 30.4 17.5 26.3 3 139,600 2,733 148,867,857 10 531,347
6 78.2 29.6 77.7 7 375,000 2,190 119,383,055 9 482,719
7+ 90.9 19.0 97.4 23 1,310,000 4,043 218,975,102 25 1,345,551
Total 74.5 9.5 75.0 62 3,345,600 24,570 1,335,028,893 83 4,461,354
By Issue Age
20-39 57.1 14.8 53.7 15 770,000 17,075 936,124,677 26 1,432,725
40-44 105.8 24.3 109.9 19 1,050,000 4,003 212,827,817 18 955,279
45-49 77.0 20.6 80.8 14 776,000 2,284 121,089,728 18 960,274
50-54 76.1 24.1 79.1 10 560,000 914 49,294,400 13 707,574
55+ 52.3 26.1 46.8 4 189,600 294 15,692,272 8 405,502
Total 74.5 9.5 75.0 62 3,345,600 24,570 1,335,028,893 83 4,461,354
By Attained Age
20-44 52.7 13.2 49.8 16 820,000 18,530 1,012,334,894 30 1,645,448
45-49 118.7 25.9 125.2 21 1,186,000 3,354 179,601,996 18 946,919
50-54 75.4 21.8 75.3 12 640,000 1,707 91,145,004 16 849,905
55-59 71.7 25.4 71.7 8 425,000 689 36,621,593 11 592,880
60+ 61.9 27.7 64.4 5 274,600 289 15,325,406 8 426,202
Total 74.5 9.5 75.0 62 3,345,600 24,570 1,335,028,893 83 4,461,354

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING 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 18.0 23.1 2 210,000 4,372 488,773,513 8 908,073
2 105.8 35.3 120.1 9 1,150,000 3,982 443,668,183 9 957,292
3 114.4 36.2 101.3 10 1,000,000 3,607 401,593,046 9 986,724
4 56.7 25.4 55.4 5 550,000 3,159 351,266,066 9 992,402
5 137.0 39.6 133.9 12 1,325,000 2,781 310,768,863 9 989,328
6 52.1 26.0 45.9 4 400,000 2,125 237,790,184 8 872,059
7+ 108.5 24.9 109.1 19 2,166,085 3,532 400,082,527 18 1,985,795
Total 89.7 11.5 88.4 61 6,801,085 23,558 2,633,942,382 68 7,691,672
By Issue Age
20-34 86.0 23.9 89.7 13 1,500,000 13,310 1,467,226,035 15 1,672,667
35-39 107.3 31.0 95.4 12 1,216,085 4,546 515,257,720 11 1,274,161
40-44 63.3 21.1 66.8 9 1,075,000 3,185 360,544,751 14 1,610,094
45-49 120.4 30.1 121.8 16 1,900,000 1,653 194,846,156 13 1,560,451
50-54 55.1 24.7 48.9 5 500,000 651 73,444,765 9 1,023,513
55-59 125.2 55.4 118.4 5 510,000 176 18,677,887 4 430,787
60+ 87.2 87.2 83.3 1 100,000 37 3,945,068 1 119,999
Total 89.7 11.5 88.4 61 6,801,085 23,558 2,633,942,382 68 7,691,672
By Attained Age
20-39 81.6 21.1 78.4 15 1,600,000 15,197 1,679,711,271 18 2,040,982
40-44 78.6 26.2 77.4 9 1,000,000 3,875 437,455,630 11 1,292,686
45-49 124.7 30.2 128.8 17 2,041,085 2,582 299,997,713 14 1,584,734
50-54 68.2 24.1 70.1 8 950,000 1,229 142,189,097 12 1,355,527
55-59 102.4 36.0 91.4 8 810,000 485 54,282,473 8 886,153
60+ 80.3 40.2 75.2 4 400,000 189 20,306,197 5 531,589
Total 89.7 11.5 88.4 61 6,801,085 23,558 2,633,942,382 68 7,691,672

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 245.6 141.8 225.8 3 1,000,000 466 165,311,747 1 442,916
2 83.1 83.1 59.9 1 250,000 411 140,818,791 1 417,555
3 88.4 88.4 78.2 1 300,000 339 111,177,643 1 383,622
4 94.3 94.3 67.5 1 250,000 292 96,647,173 1 370,588
5 89.1 89.1 62.8 1 250,000 270 92,761,309 1 397,959
6 0.0 0.0 0.0 0 0 219 75,740,866 1 342,328
7+ 37.4 37.4 44.3 1 400,000 471 158,838,824 3 903,090
Total 85.5 30.2 75.2 8 2,450,000 2,468 841,296,353 9 3,258,057
By Issue Age
20-24 0.0 0.0 0.0 0 0 121 36,676,792 0 25,343
25-29 0.0 0.0 0.0 0 0 342 103,828,336 0 103,433
30-34 112.8 112.8 127.7 1 400,000 560 196,201,895 1 313,256
35-39 129.2 91.3 105.4 2 550,000 572 193,651,972 2 521,757
40-44 147.3 85.0 96.0 3 750,000 454 169,939,100 2 780,845
45-49 80.8 57.1 93.3 2 750,000 301 99,442,596 2 803,875
50-54 0.0 0.0 0.0 0 0 73 26,971,585 1 384,383
55+ 0.0 0.0 0.0 0 0 43 14,584,076 1 325,164
Total 85.5 30.2 75.2 8 2,450,000 2,468 841,296,353 9 3,258,057
By Attained Age
20-24 0.0 0.0 0.0 0 0 58 17,315,903 0 10,386
25-29 0.0 0.0 0.0 0 0 236 71,455,298 0 57,037
30-34 0.0 0.0 0.0 0 0 402 132,916,678 0 159,381
35-39 222.0 157.0 178.4 2 550,000 507 173,679,203 1 308,370
40-44 183.4 105.9 154.5 3 900,000 544 193,565,345 2 582,524
45-49 136.8 79.0 128.9 3 1,000,000 410 144,011,182 2 775,963
50-54 0.0 0.0 0.0 0 0 205 71,819,550 2 671,791
55-59 0.0 0.0 0.0 0 0 76 26,721,038 1 449,495
60+ 0.0 0.0 0.0 0 0 29 9,812,158 1 243,109
Total 85.5 30.2 75.2 8 2,450,000 2,468 841,296,353 9 3,258,057

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.2 12.1 17.7 4 58,000 4,856 99,813,848 17 328,013
2 29.2 13.1 29.3 5 100,000 4,594 95,522,557 17 341,532
3 89.4 22.3 92.6 16 336,000 4,425 92,746,962 18 363,028
4 66.6 19.2 60.3 12 220,755 4,120 87,137,270 18 366,128
5 98.5 23.9 98.5 17 350,000 3,633 78,027,892 17 355,303
6 102.8 26.5 108.3 15 330,000 2,829 61,181,376 15 304,823
7+ 99.2 19.8 89.9 25 485,674 4,075 90,199,514 25 539,995
Total 74.3 7.7 72.4 94 1,880,429 28,532 604,629,419 127 2,598,822
By Issue Age
20-24 126.3 72.9 159.8 3 75,000 2,800 55,413,392 2 46,946
25-29 60.1 34.7 56.2 3 60,000 3,931 83,898,608 5 106,708
30-34 76.0 31.0 69.5 6 120,000 4,008 87,401,761 8 172,681
35-39 72.4 22.9 88.5 10 287,000 4,494 104,948,785 14 324,264
40-44 63.3 16.3 71.3 15 367,000 5,063 110,359,440 24 514,618
45-49 74.0 15.4 60.4 23 390,000 4,546 93,798,336 31 645,380
50-54 79.8 18.3 78.0 19 356,429 2,429 46,748,857 24 456,744
55-59 79.8 24.1 58.4 11 140,000 999 17,485,534 14 239,831
60+ 78.5 39.2 92.7 4 85,000 261 4,574,706 5 91,649
Total 74.3 7.7 72.4 94 1,880,429 28,532 604,629,419 127 2,598,822
By Attained Age
20-24 115.3 115.3 145.3 1 25,000 1,252 24,772,814 1 17,209
25-29 59.7 42.2 72.9 2 50,000 3,351 68,668,067 3 68,626
30-34 67.1 33.5 51.0 4 65,000 3,927 83,967,518 6 127,414
35-39 64.9 26.5 77.7 6 162,000 3,959 89,347,787 9 208,475
40-44 70.3 20.3 79.8 12 310,000 4,782 109,165,060 17 388,259
45-49 74.6 16.6 72.6 20 410,000 4,958 104,491,335 27 564,815
50-54 62.3 14.7 57.7 18 342,000 3,656 75,203,850 29 592,696
55-59 80.2 19.4 75.2 17 301,429 1,872 35,531,051 21 400,673
60-64 128.3 37.0 106.9 12 170,000 599 10,214,064 9 158,967
65+ 52.6 37.2 62.8 2 45,000 177 3,267,874 4 71,688
Total 74.3 7.7 72.4 94 1,880,429 28,532 604,629,419 127 2,598,822

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING 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 62.3 16.0 65.2 15 845,000 9,156 491,600,118 24 1,296,046
4 86.2 32.6 94.0 7 407,870 2,464 132,902,292 8 434,118
5 74.9 30.6 79.2 6 339,125 2,205 119,195,039 8 428,273
6 153.0 46.1 153.7 11 589,128 1,793 96,436,974 7 383,275
7+ 103.1 23.7 104.2 19 1,017,396 3,416 182,836,467 18 976,064
Total 88.0 11.5 90.9 58 3,198,519 19,034 1,022,970,890 66 3,517,776
By Issue Age
20-39 87.0 18.5 93.0 22 1,268,519 12,955 699,818,954 25 1,364,510
40-44 73.3 22.1 74.5 11 600,000 3,151 168,882,770 15 804,879
45-49 126.5 30.6 127.5 17 920,000 1,891 100,878,970 14 721,560
50-54 37.9 21.9 36.7 3 150,000 773 39,844,633 8 409,018
55-59 138.6 69.3 135.0 4 200,000 202 10,371,111 3 148,121
60+ 73.5 73.5 86.1 1 60,000 62 3,174,452 1 69,688
Total 88.0 11.5 90.9 58 3,198,519 19,034 1,022,970,890 66 3,517,776
By Attained Age
20-44 80.2 16.7 85.2 23 1,316,123 13,966 753,825,863 29 1,544,301
45-49 84.3 24.2 82.3 12 632,396 2,699 144,417,355 14 768,556
50-54 87.3 27.6 94.6 10 575,000 1,465 77,764,229 11 607,663
55-59 137.5 43.5 136.2 10 515,000 657 34,196,476 7 378,158
60+ 70.6 40.8 73.0 3 160,000 247 12,766,966 4 219,099
Total 88.0 11.5 90.9 58 3,198,519 19,034 1,022,970,890 66 3,517,776

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.4 27.1 35.1 2 200,000 2,466 270,057,376 5 570,305
2 55.8 32.2 59.9 3 350,000 2,268 247,368,010 5 584,041
3 90.7 40.5 115.9 5 700,000 2,077 226,314,428 6 603,952
4 17.8 17.8 16.3 1 100,000 1,882 205,625,995 6 615,296
5 135.9 51.4 149.9 7 845,880 1,599 174,478,605 5 564,271
6 163.5 61.8 159.9 7 750,000 1,204 131,160,434 4 468,960
7+ 46.6 23.3 42.4 4 400,000 2,000 217,793,402 9 943,570
Total 73.0 13.6 76.9 29 3,345,880 13,496 1,472,798,251 40 4,350,397
By Issue Age
20-34 73.8 26.1 89.9 8 1,055,880 7,645 827,961,747 11 1,174,727
35-39 67.7 30.3 67.0 5 550,000 2,412 268,066,502 7 820,831
40-44 67.0 27.4 61.1 6 600,000 1,924 210,686,267 9 982,620
45-49 146.0 46.2 151.3 10 1,140,000 985 108,376,810 7 753,222
50-54 0.0 0.0 0.0 0 0 439 47,688,774 4 469,340
55+ 0.0 0.0 0.0 0 0 92 10,018,151 1 149,656
Total 73.0 13.6 76.9 29 3,345,880 13,496 1,472,798,251 40 4,350,397
By Attained Age
20-39 53.5 20.2 66.8 7 955,880 8,617 937,752,599 13 1,430,366
40-44 65.0 29.0 65.1 5 550,000 2,183 239,388,631 8 844,210
45-49 161.7 44.9 152.7 13 1,340,000 1,505 164,281,046 8 877,793
50-54 61.4 30.7 68.8 4 500,000 828 92,396,837 7 726,940
55-59 0.0 0.0 0.0 0 0 293 31,338,270 3 347,591
60+ 0.0 0.0 0.0 0 0 70 7,640,868 1 123,497
Total 73.0 13.6 76.9 29 3,345,880 13,496 1,472,798,251 40 4,350,397

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING 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 0 128 41,675,053 0 120,822
2 0.0 0.0 0.0 0 0 124 39,386,040 0 127,786
3 258.8 258.8 275.4 1 350,000 118 37,289,485 0 127,107
4 0.0 0.0 0.0 0 0 103 30,993,281 0 116,932
5 274.6 274.6 215.8 1 250,000 92 27,959,146 0 115,851
6 0.0 0.0 0.0 0 0 81 25,106,880 0 105,072
7+ 0.0 0.0 0.0 0 0 136 40,653,366 1 206,046
Total 69.2 48.9 65.2 2 600,000 783 243,063,250 3 919,618
By Issue Age
20-24 0.0 0.0 0.0 0 0 41 11,932,895 0 10,610
25-29 760.4 760.4 853.2 1 350,000 108 33,546,088 0 41,023
30-34 0.0 0.0 0.0 0 0 181 51,848,884 0 107,533
35-39 0.0 0.0 0.0 0 0 162 49,303,689 1 149,478
40-44 0.0 0.0 0.0 0 0 144 49,003,666 1 233,005
45+ 85.9 85.9 66.1 1 250,000 147 47,428,029 1 377,969
Total 69.2 48.9 65.2 2 600,000 783 243,063,250 3 919,618
By Attained Age
20-24 0.0 0.0 0.0 0 0 15 4,370,566 0 3,163
25-29 1180.1 1180.1 1391.5 1 350,000 84 25,033,742 0 25,154
30-34 0.0 0.0 0.0 0 0 115 35,826,111 0 54,344
35-39 0.0 0.0 0.0 0 0 170 50,799,647 0 118,984
40-44 0.0 0.0 0.0 0 0 152 47,535,726 1 166,652
45-49 120.2 120.2 91.1 1 250,000 155 50,673,759 1 274,366
50+ 0.0 0.0 0.0 0 0 90 28,823,699 1 276,956
Total 69.2 48.9 65.2 2 600,000 783 243,063,250 3 919,618

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 17.9 3.1 18.4 32 755,100 42,722 990,271,370 181 4,100,793
2 43.1 4.8 44.0 82 1,903,008 39,721 922,911,707 191 4,329,631
3 44.9 4.7 45.5 93 2,157,347 38,146 893,103,706 206 4,744,850
4 51.8 4.9 51.1 112 2,567,407 36,137 853,393,808 217 5,019,957
5 49.1 4.8 49.7 106 2,513,408 32,391 770,667,639 216 5,059,549
6 60.8 5.6 64.7 116 2,914,497 25,912 619,036,073 191 4,507,350
7+ 49.9 3.7 50.5 184 4,526,241 40,226 980,215,384 369 8,967,796
Total 46.2 1.7 47.2 726 17,337,008 255,254 6,029,599,686 1,571 36,729,925
By Issue Age
20-24 59.7 21.1 77.8 8 220,000 16,951 356,414,767 13 282,863
25-29 64.9 13.8 65.3 22 500,000 29,418 665,526,599 34 765,158
30-34 53.3 9.6 58.8 31 808,200 33,123 778,767,828 58 1,374,480
35-39 40.8 6.3 46.2 41 1,148,331 36,090 881,298,378 101 2,483,074
40-44 54.3 5.3 55.7 104 2,662,872 41,388 1,028,741,213 192 4,781,811
45-49 45.8 3.8 44.8 144 3,514,101 42,102 1,043,723,264 315 7,851,861
50-54 44.7 3.5 43.8 166 3,899,522 31,593 752,349,493 372 8,903,991
55-59 46.1 3.9 47.8 143 3,224,281 17,771 386,154,805 309 6,749,213
60+ 37.6 4.6 38.4 66 1,359,701 6,818 136,623,339 176 3,537,476
Total 46.2 1.7 47.2 726 17,337,008 255,254 6,029,599,686 1,571 36,729,925
By Attained Age
20-24 83.6 41.8 99.9 4 100,000 7,325 152,296,299 5 100,084
25-29 70.0 18.1 74.6 15 355,000 23,334 516,856,184 21 476,045
30-34 35.8 9.2 36.3 15 350,000 30,565 702,201,219 42 964,302
35-39 44.8 8.0 52.4 31 867,200 33,278 792,242,549 69 1,655,771
40-44 55.6 6.7 57.4 69 1,758,615 37,353 916,279,885 125 3,064,419
45-49 44.0 4.4 44.8 99 2,495,843 41,347 1,022,128,620 225 5,573,076
50-54 49.4 3.9 49.2 161 3,896,827 37,412 913,528,198 325 7,919,895
55-59 42.3 3.4 41.7 152 3,482,321 26,485 619,891,348 359 8,358,056
60-64 45.9 4.2 46.8 119 2,669,614 13,229 291,869,135 259 5,710,064
65+ 43.5 5.6 46.8 61 1,361,588 4,925 102,306,250 140 2,908,212
Total 46.2 1.7 47.2 726 17,337,008 255,254 6,029,599,686 1,571 36,729,925

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.9 3.7 27.8 53 2,922,500 61,157 3,289,713,090 197 10,511,543
2 46.4 4.8 46.3 94 5,046,540 55,131 2,978,821,918 204 10,895,143
3 45.6 4.6 44.5 99 5,195,806 51,323 2,785,142,843 218 11,677,244
4 53.7 4.8 52.1 124 6,476,033 48,440 2,639,184,686 231 12,430,140
5 55.4 4.9 55.7 128 6,945,527 43,285 2,365,941,985 231 12,477,473
6 48.3 4.7 48.4 104 5,630,725 36,088 1,971,841,750 215 11,629,095
7+ 57.4 3.4 57.0 291 15,619,460 67,229 3,669,078,132 507 27,378,635
Total 49.6 1.7 49.3 894 47,836,591 362,653 19,699,724,405 1,803 96,999,272
By Issue Age
20-24 39.7 16.2 39.4 6 325,000 19,091 1,041,516,186 15 823,903
25-29 59.0 10.6 59.0 31 1,697,527 45,390 2,487,961,423 53 2,879,479
30-34 53.0 7.1 52.9 55 3,013,000 58,503 3,209,318,264 104 5,697,949
35-39 56.3 5.4 56.4 108 5,966,344 67,005 3,687,678,667 192 10,581,970
40-44 49.2 3.9 48.4 162 8,654,854 70,226 3,807,337,911 330 17,883,662
45-49 49.3 3.4 49.5 211 11,369,103 55,843 2,995,554,740 429 22,987,388
50-54 47.7 3.5 46.5 184 9,522,036 31,807 1,687,511,802 386 20,495,816
55-59 50.7 4.8 51.3 110 5,875,727 11,780 623,786,728 216 11,452,929
60-64 34.3 7.2 34.3 23 1,213,000 2,659 140,586,378 67 3,539,627
65+ 32.7 16.4 30.5 4 200,000 348 18,472,306 12 656,550
Total 49.6 1.7 49.3 894 47,836,591 362,653 19,699,724,405 1,803 96,999,272
By Attained Age
20-24 36.9 26.1 33.9 2 100,000 8,230 448,683,909 5 295,092
25-29 58.4 14.2 60.3 17 956,527 31,623 1,723,342,014 29 1,584,988
30-34 50.6 8.6 49.4 35 1,866,000 50,378 2,756,998,121 69 3,776,985
35-39 50.9 6.5 50.9 62 3,395,962 58,753 3,225,685,853 122 6,672,298
40-44 48.0 4.7 47.4 104 5,633,107 65,591 3,590,110,807 217 11,876,475
45-49 50.4 3.8 50.3 173 9,360,316 63,691 3,456,137,302 343 18,595,624
50-54 48.5 3.5 48.4 197 10,519,652 46,907 2,508,104,269 407 21,737,265
55-59 52.1 3.9 51.4 180 9,439,550 25,277 1,344,915,943 345 18,352,359
60-64 49.9 5.1 49.5 94 4,952,477 9,484 501,529,155 189 9,999,406
65+ 38.8 7.1 39.3 30 1,613,000 2,720 144,217,032 77 4,108,780
Total 49.6 1.7 49.3 894 47,836,591 362,653 19,699,724,405 1,803 96,999,272

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.2 3.6 26.2 58 6,442,500 78,921 9,000,659,992 215 24,595,135
2 55.4 4.9 55.6 130 15,027,200 77,345 8,834,153,908 235 27,013,531
3 60.7 4.9 60.6 155 17,765,500 74,367 8,494,349,944 255 29,292,252
4 59.1 4.7 58.8 159 18,165,000 69,991 7,996,498,024 270 30,890,756
5 58.0 4.6 59.6 157 18,543,905 62,685 7,185,062,097 271 31,128,069
6 59.7 4.9 56.8 146 16,008,417 50,651 5,814,346,574 245 28,177,215
7+ 59.7 3.2 60.7 339 39,613,507 89,751 10,307,156,663 568 65,266,618
Total 55.6 1.6 55.7 1,145 131,566,029 503,711 57,632,227,201 2,058 236,363,576
By Issue Age
20-24 88.4 18.9 81.7 22 2,267,500 31,560 3,526,467,697 25 2,775,414
25-29 68.9 8.7 67.0 62 6,780,000 77,379 8,699,254,931 90 10,121,716
30-34 58.1 5.6 60.6 108 12,880,000 104,707 11,975,703,727 186 21,267,759
35-39 52.1 4.2 54.4 153 18,457,052 104,887 12,093,125,572 294 33,905,129
40-44 56.1 3.7 56.1 231 26,860,750 88,331 10,241,269,547 413 47,872,377
45-49 53.2 3.5 53.1 233 26,638,200 56,315 6,462,776,866 437 50,211,014
50-54 59.3 4.1 58.3 213 24,116,705 28,347 3,259,963,032 359 41,368,742
55-59 48.5 5.0 47.0 93 10,240,822 10,023 1,132,239,814 192 21,798,345
60-64 47.7 9.5 47.7 25 2,825,000 1,875 210,106,724 52 5,921,993
65+ 49.2 22.0 44.6 5 500,000 287 31,319,292 10 1,121,087
Total 55.6 1.6 55.7 1,145 131,566,029 503,711 57,632,227,201 2,058 236,363,576
By Attained Age
20-24 68.0 27.8 64.9 6 642,500 13,408 1,505,721,831 9 990,146
25-29 76.7 12.8 72.5 36 3,805,000 51,364 5,742,145,818 47 5,245,402
30-34 55.3 6.9 54.8 65 7,285,000 86,513 9,794,813,589 118 13,301,891
35-39 55.6 5.2 56.5 116 13,548,000 102,601 11,765,983,944 209 23,970,079
40-44 56.1 4.2 58.7 175 21,179,052 95,987 11,117,315,708 312 36,108,369
45-49 52.1 3.6 52.5 208 24,270,750 74,602 8,620,927,199 400 46,235,111
50-54 57.0 3.7 55.3 232 25,975,700 46,337 5,337,646,503 407 46,959,587
55-59 51.7 4.0 52.0 167 19,278,905 22,800 2,604,343,816 323 37,066,513
60-64 62.4 6.0 60.9 107 11,905,122 8,091 918,723,930 172 19,550,792
65+ 51.9 9.2 53.0 32 3,676,000 2,007 224,604,862 62 6,935,687
Total 55.6 1.6 55.7 1,145 131,566,029 503,711 57,632,227,201 2,058 236,363,576

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.7 9.1 23.5 12 3,287,500 11,730 4,211,448,940 38 13,961,529
2 37.4 9.6 34.3 15 5,061,667 10,955 3,934,261,877 40 14,736,891
3 64.2 12.3 78.8 27 12,143,349 10,217 3,650,389,171 42 15,400,782
4 58.2 11.6 66.6 25 10,300,000 9,223 3,246,812,614 43 15,464,553
5 54.0 11.3 46.8 23 7,150,000 8,234 2,887,920,047 43 15,289,952
6 64.6 13.2 76.6 24 10,260,000 6,574 2,303,886,892 37 13,387,765
7+ 67.9 9.0 58.0 57 17,260,000 11,880 4,132,449,340 84 29,777,619
Total 56.0 4.1 55.5 183 65,462,516 68,812 24,367,168,881 328 118,019,090
By Issue Age
20-24 66.1 66.1 55.5 1 250,000 2,028 604,682,013 2 450,089
25-29 73.1 32.7 88.1 5 1,950,000 6,011 1,951,465,314 7 2,212,974
30-34 41.2 13.7 44.8 9 3,360,000 12,722 4,381,860,722 22 7,501,867
35-39 44.2 9.9 53.6 20 8,585,000 16,801 5,980,224,056 45 16,031,606
40-44 66.0 9.7 53.6 46 13,655,849 15,136 5,568,220,487 70 25,493,970
45-49 44.2 7.8 44.4 32 11,861,667 9,306 3,422,528,484 72 26,731,266
50-54 50.6 9.2 52.4 30 11,400,000 4,578 1,666,578,673 59 21,750,264
55-59 87.8 15.8 90.2 31 11,250,000 1,761 620,970,187 35 12,472,167
60-64 61.4 21.7 60.3 8 2,900,000 426 157,127,301 13 4,808,711
65+ 55.6 55.6 44.2 1 250,000 43 13,511,644 2 566,177
Total 56.0 4.1 55.5 183 65,462,516 68,812 24,367,168,881 328 118,019,090
By Attained Age
20-24 0.0 0.0 0.0 0 0 991 296,545,813 1 190,706
25-29 60.1 42.5 61.9 2 650,000 3,709 1,170,731,490 3 1,049,563
30-34 44.2 19.7 47.0 5 1,800,000 8,493 2,882,277,769 11 3,831,364
35-39 35.5 11.2 33.9 10 3,335,000 14,308 5,002,124,214 28 9,844,064
40-44 52.2 10.2 57.8 26 10,535,849 15,800 5,763,512,717 50 18,220,093
45-49 52.7 8.8 48.4 36 12,070,000 12,693 4,631,300,850 68 24,913,031
50-54 55.1 8.9 50.0 38 12,521,667 7,582 2,729,529,417 69 25,034,147
55-59 60.4 10.5 64.1 33 12,950,000 3,591 1,313,985,391 55 20,202,592
60-64 91.1 17.5 95.6 27 9,950,000 1,296 452,647,885 30 10,411,148
65+ 49.7 20.3 38.2 6 1,650,000 349 124,513,334 12 4,322,382
Total 56.0 4.1 55.5 183 65,462,516 68,812 24,367,168,881 328 118,019,090

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 13.6 4.2 15.0 10 255,000 16,974 391,591,698 75 1,697,391
2 33.5 6.4 35.4 27 650,431 16,043 371,039,106 81 1,839,268
3 30.9 5.8 31.8 28 665,563 15,623 363,962,902 91 2,090,680
4 50.5 7.2 50.7 49 1,142,358 14,841 348,567,403 98 2,252,197
5 50.5 7.1 50.9 50 1,171,938 13,287 314,707,912 99 2,304,393
6 54.2 7.8 57.4 48 1,190,961 10,686 253,590,666 89 2,073,564
7+ 49.0 5.2 50.4 89 2,213,900 17,181 415,028,658 182 4,396,210
Total 42.2 2.4 43.8 302 7,290,151 104,636 2,458,488,346 715 16,653,703
By Issue Age
20-24 62.2 35.9 109.4 3 110,000 6,962 144,572,299 5 100,526
25-29 59.4 22.4 67.7 7 180,000 12,042 272,218,844 12 266,045
30-34 28.5 11.6 22.4 6 110,000 14,086 327,663,300 21 491,057
35-39 32.3 9.2 38.0 12 349,581 15,296 369,861,018 38 920,428
40-44 45.8 7.7 45.4 35 863,692 16,857 415,913,373 77 1,902,725
45-49 43.7 5.6 44.3 61 1,534,995 17,214 423,611,845 140 3,463,536
50-54 44.8 5.0 44.6 80 1,905,507 12,619 298,279,851 179 4,273,922
55-59 43.5 5.3 47.4 68 1,632,548 7,032 153,881,090 157 3,440,979
60+ 33.5 6.2 33.6 29 603,828 2,528 52,486,724 87 1,794,486
Total 42.2 2.4 43.8 302 7,290,151 104,636 2,458,488,346 715 16,653,703
By Attained Age
20-24 54.2 54.2 65.8 1 25,000 3,079 62,982,762 2 37,997
25-29 68.5 30.6 101.9 5 165,000 9,309 205,744,777 7 161,957
30-34 33.7 15.1 28.2 5 95,000 12,860 292,476,711 15 337,473
35-39 24.8 10.1 27.8 6 160,000 13,886 328,652,714 24 574,616
40-44 41.0 9.3 45.4 19 516,927 15,697 379,783,517 47 1,138,701
45-49 38.2 6.4 36.8 35 839,346 16,914 417,394,992 92 2,278,032
50-54 46.3 5.6 46.7 68 1,667,317 15,232 368,503,387 148 3,566,464
55-59 37.6 4.6 38.6 66 1,582,185 10,546 246,282,596 176 4,100,463
60-64 51.1 6.2 55.4 68 1,637,818 5,244 116,771,255 133 2,955,824
65+ 39.6 7.5 40.0 28 601,558 1,869 39,895,635 71 1,502,176
Total 42.2 2.4 43.8 302 7,290,151 104,636 2,458,488,346 715 16,653,703

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.7 5.3 26.6 22 1,275,000 26,824 1,455,880,810 89 4,799,448
2 44.7 6.9 44.7 42 2,279,286 24,477 1,333,977,675 95 5,103,731
3 48.3 6.8 45.8 50 2,556,816 22,977 1,257,379,981 104 5,580,304
4 55.3 7.0 53.0 62 3,221,543 21,872 1,201,310,259 113 6,079,817
5 55.4 7.0 55.5 63 3,411,000 19,459 1,070,583,829 114 6,145,322
6 51.8 7.0 50.9 55 2,927,725 16,048 880,886,169 106 5,746,651
7+ 52.8 4.5 51.7 137 7,275,199 30,062 1,646,577,182 260 14,070,461
Total 49.1 2.4 48.3 432 22,946,569 161,718 8,846,595,906 879 47,525,734
By Issue Age
20-24 17.2 17.2 15.7 1 50,000 8,296 454,145,092 6 318,282
25-29 67.5 18.7 66.4 13 706,000 19,404 1,071,257,540 19 1,063,519
30-34 33.2 9.2 30.1 13 650,000 25,841 1,426,516,389 39 2,157,539
35-39 41.2 7.4 42.3 31 1,765,520 29,454 1,634,889,395 75 4,174,483
40-44 35.0 4.9 34.6 51 2,754,986 31,616 1,729,372,367 146 7,971,430
45-49 51.9 5.0 51.1 110 5,836,300 25,559 1,378,914,144 212 11,423,373
50-54 57.1 5.2 55.8 120 6,277,036 14,639 783,348,038 210 11,254,991
55-59 58.4 6.8 58.3 74 3,968,727 5,608 299,288,112 127 6,802,057
60-64 44.0 11.0 43.8 16 838,000 1,111 58,414,855 36 1,912,467
65+ 24.6 17.4 22.3 2 100,000 191 10,449,973 8 447,595
Total 49.1 2.4 48.3 432 22,946,569 161,718 8,846,595,906 879 47,525,734
By Attained Age
20-24 0.0 0.0 0.0 0 0 3,670 200,649,426 2 122,447
25-29 76.4 27.0 72.3 8 415,000 13,204 724,372,461 10 574,335
30-34 35.6 11.9 35.2 9 491,000 21,783 1,201,783,223 25 1,393,570
35-39 39.1 9.2 36.1 18 919,773 26,254 1,454,956,314 46 2,547,800
40-44 31.7 6.0 32.8 28 1,597,290 29,467 1,622,859,209 89 4,871,831
45-49 42.8 5.3 41.8 66 3,525,443 28,659 1,567,128,285 154 8,433,061
50-54 46.8 4.8 46.8 96 5,152,536 21,410 1,149,928,367 205 11,011,910
55-59 66.1 5.9 64.9 126 6,652,050 11,605 622,944,915 191 10,254,348
60-64 55.0 7.0 53.4 61 3,155,477 4,432 236,198,215 111 5,913,181
65+ 42.2 9.7 43.2 19 1,038,000 1,234 65,775,490 45 2,403,251
Total 49.1 2.4 48.3 432 22,946,569 161,718 8,846,595,906 879 47,525,734

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 5.0 28.4 31 3,655,000 39,831 4,608,827,178 110 12,884,253
2 55.5 6.7 56.4 68 8,092,200 39,150 4,535,255,913 123 14,351,837
3 51.2 6.1 49.8 70 7,897,500 37,794 4,378,227,146 136 15,855,126
4 53.5 6.0 53.0 78 9,020,000 35,664 4,129,701,977 146 17,020,461
5 49.7 5.8 49.5 74 8,613,905 31,940 3,715,212,194 149 17,387,669
6 46.7 5.8 44.6 64 7,137,667 25,957 3,024,538,186 137 15,995,194
7+ 54.4 4.0 56.3 184 22,202,000 47,208 5,501,963,893 338 39,430,234
Total 49.9 2.1 50.1 569 66,618,272 257,545 29,893,726,486 1,140 132,924,775
By Issue Age
20-24 104.4 31.5 97.2 11 1,150,000 14,927 1,678,543,367 11 1,183,131
25-29 82.3 15.0 79.3 30 3,280,000 36,307 4,114,186,124 36 4,133,660
30-34 51.8 8.0 56.5 42 5,310,000 52,626 6,094,757,508 81 9,406,216
35-39 42.6 5.6 43.6 58 6,985,000 53,862 6,309,310,432 136 16,017,842
40-44 42.6 4.4 42.0 92 10,725,000 46,919 5,526,679,946 217 25,550,392
45-49 44.9 4.2 45.6 112 13,308,200 29,959 3,495,887,504 250 29,205,536
50-54 60.8 5.1 61.4 140 16,551,705 15,797 1,852,911,363 230 26,969,763
55-59 48.0 6.0 46.7 63 7,058,367 5,791 665,450,144 132 15,120,428
60-64 43.7 10.6 43.5 17 1,950,000 1,179 135,734,495 39 4,485,616
65+ 39.9 23.0 35.2 3 300,000 179 20,265,604 8 852,192
Total 49.9 2.1 50.1 569 66,618,272 257,545 29,893,726,486 1,140 132,924,775
By Attained Age
20-24 51.4 36.3 56.9 2 250,000 6,333 715,279,985 4 439,417
25-29 83.6 20.9 80.3 16 1,730,000 23,950 2,696,762,475 19 2,154,461
30-34 66.8 11.6 67.7 33 3,835,000 42,157 4,827,732,881 49 5,662,743
35-39 46.0 7.1 45.3 42 4,820,000 52,010 6,034,778,393 92 10,638,349
40-44 49.8 5.8 50.4 74 8,855,000 49,933 5,881,095,377 149 17,569,321
45-49 34.1 4.0 35.4 72 8,785,000 39,483 4,634,950,435 212 24,850,711
50-54 52.3 4.7 51.8 124 14,435,700 24,851 2,916,744,729 238 27,886,605
55-59 51.9 5.0 53.3 109 13,068,905 12,738 1,485,223,701 210 24,501,904
60-64 59.3 7.0 58.0 72 8,112,667 4,833 557,727,776 121 13,990,222
65+ 52.4 10.7 52.1 24 2,726,000 1,258 143,430,734 46 5,231,041
Total 49.9 2.1 50.1 569 66,618,272 257,545 29,893,726,486 1,140 132,924,775

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.3 8.5 15.4 5 1,537,500 7,827 2,913,981,360 26 10,008,273
2 38.7 11.6 30.6 11 3,301,667 7,382 2,754,899,481 29 10,779,088
3 70.0 15.2 79.7 21 9,093,349 6,934 2,572,671,407 30 11,403,313
4 61.0 14.0 69.4 19 8,050,000 6,297 2,297,387,292 31 11,591,345
5 47.9 12.4 43.2 15 5,025,000 5,681 2,068,749,444 31 11,641,312
6 54.1 14.0 63.1 15 6,530,000 4,580 1,668,573,586 28 10,351,286
7+ 70.0 10.4 58.8 45 13,860,000 8,418 3,033,850,277 64 23,552,736
Total 54.8 4.8 53.1 131 47,397,516 47,119 17,310,112,846 240 89,327,353
By Issue Age
20-24 116.8 116.8 95.8 1 250,000 1,230 374,212,485 1 260,861
25-29 82.3 47.5 78.6 3 950,000 3,569 1,183,605,514 4 1,208,727
30-34 38.4 17.1 46.1 5 2,160,000 8,339 2,977,515,129 13 4,685,553
35-39 41.1 11.9 52.9 12 5,660,000 11,522 4,226,387,017 29 10,695,420
40-44 67.4 11.7 54.1 33 10,065,849 10,729 4,097,946,723 49 18,615,901
45-49 42.7 8.9 39.9 23 8,311,667 6,659 2,571,993,013 54 20,835,474
50-54 44.5 9.7 46.6 21 8,250,000 3,363 1,258,059,495 47 17,716,402
55-59 83.6 17.1 83.0 24 8,600,000 1,301 472,193,096 29 10,359,723
60-64 66.8 23.6 65.6 8 2,900,000 368 135,938,731 12 4,419,764
65+ 60.6 60.6 47.2 1 250,000 38 12,261,644 2 529,528
Total 54.8 4.8 53.1 131 47,397,516 47,119 17,310,112,846 240 89,327,353
By Attained Age
20-24 0.0 0.0 0.0 0 0 576 175,968,193 0 107,629
25-29 112.4 79.5 112.8 2 650,000 2,195 708,802,609 2 576,322
30-34 47.0 27.1 35.7 3 800,000 5,313 1,858,449,663 6 2,239,092
35-39 23.6 11.7 28.4 4 1,760,000 9,564 3,454,930,019 17 6,198,277
40-44 54.8 12.9 60.9 18 7,625,849 11,016 4,157,152,934 33 12,518,779
45-49 47.0 9.8 39.8 23 7,390,000 9,106 3,455,783,968 49 18,570,772
50-54 58.1 10.6 52.2 30 10,171,667 5,383 2,022,677,312 52 19,471,058
55-59 51.6 10.7 52.0 23 8,800,000 2,702 1,022,836,227 45 16,919,189
60-64 89.5 19.1 97.7 22 8,550,000 969 345,271,707 25 8,747,616
65+ 54.9 22.4 41.5 6 1,650,000 296 108,240,215 11 3,978,619
Total 54.8 4.8 53.1 131 47,397,516 47,119 17,310,112,846 240 89,327,353

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 21.0 4.5 20.8 22 500,100 25,747 598,679,671 106 2,403,401
2 50.3 6.8 50.3 55 1,252,577 23,678 551,872,601 109 2,490,363
3 56.0 7.0 56.2 64 1,491,784 22,523 529,140,804 115 2,654,170
4 53.0 6.7 51.5 63 1,425,049 21,295 504,826,404 119 2,767,760
5 47.8 6.4 48.7 56 1,341,470 19,104 455,959,727 117 2,755,156
6 66.5 8.1 70.8 68 1,723,536 15,226 365,445,408 102 2,433,787
7+ 50.9 5.2 50.6 95 2,312,341 23,045 565,186,727 187 4,571,586
Total 49.5 2.4 50.0 424 10,046,857 150,618 3,571,111,341 856 20,076,223
By Issue Age
20-24 58.3 26.1 60.3 5 110,000 9,989 211,842,467 9 182,337
25-29 67.9 17.5 64.1 15 320,000 17,375 393,307,754 22 499,113
30-34 67.3 13.4 79.0 25 698,200 19,037 451,104,528 37 883,423
35-39 45.8 8.5 51.1 29 798,750 20,794 511,437,360 63 1,562,647
40-44 60.0 7.2 62.5 69 1,799,180 24,531 612,827,840 115 2,879,086
45-49 47.5 5.2 45.1 83 1,979,106 24,887 620,111,419 175 4,388,325
50-54 44.7 4.8 43.1 86 1,994,015 18,974 454,069,642 193 4,630,069
55-59 48.8 5.7 48.1 74 1,591,733 10,739 232,273,715 153 3,308,233
60+ 41.5 6.8 43.4 37 755,873 4,291 84,136,615 89 1,742,989
Total 49.5 2.4 50.0 424 10,046,857 150,618 3,571,111,341 856 20,076,223
By Attained Age
20-24 102.0 58.9 120.8 3 75,000 4,247 89,313,537 3 62,087
25-29 70.7 22.4 60.5 10 190,000 14,025 311,111,407 14 314,089
30-34 37.0 11.7 40.7 10 255,000 17,704 409,724,508 27 626,830
35-39 55.5 11.1 65.4 25 707,200 19,393 463,589,835 45 1,081,155
40-44 64.4 9.1 64.5 50 1,241,688 21,657 536,496,368 78 1,925,718
45-49 48.1 6.0 50.3 64 1,656,497 24,433 604,733,628 133 3,295,044
50-54 52.0 5.4 51.2 92 2,229,510 22,180 545,024,811 177 4,353,431
55-59 46.7 5.1 44.6 85 1,900,136 15,938 373,608,752 182 4,257,592
60-64 40.5 5.7 37.5 51 1,031,796 7,985 175,097,880 126 2,754,240
65+ 47.5 8.3 54.1 33 760,030 3,056 62,410,615 69 1,406,037
Total 49.5 2.4 50.0 424 10,046,857 150,618 3,571,111,341 856 20,076,223

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.8 5.2 28.8 31 1,647,500 34,333 1,833,832,280 108 5,712,095
2 47.8 6.6 47.8 52 2,767,254 30,655 1,644,844,243 109 5,791,412
3 43.2 6.1 43.3 49 2,638,990 28,346 1,527,762,863 114 6,096,940
4 52.3 6.6 51.2 62 3,254,490 26,568 1,437,874,427 119 6,350,322
5 55.4 6.9 55.8 65 3,534,527 23,826 1,295,358,155 118 6,332,152
6 45.0 6.4 46.0 49 2,703,000 20,039 1,090,955,581 109 5,882,444
7+ 62.2 5.0 62.7 154 8,344,261 37,168 2,022,500,950 248 13,308,173
Total 50.1 2.3 50.3 463 24,890,022 200,935 10,853,128,499 924 49,473,538
By Issue Age
20-24 53.7 24.0 54.4 5 275,000 10,795 587,371,094 9 505,622
25-29 54.1 12.8 54.6 18 991,527 25,986 1,416,703,883 33 1,815,960
30-34 64.9 10.0 66.7 42 2,363,000 32,663 1,782,801,875 65 3,540,410
35-39 66.0 7.5 65.6 77 4,200,824 37,551 2,052,789,273 117 6,407,487
40-44 60.3 5.7 59.5 111 5,899,868 38,611 2,077,965,544 184 9,912,232
45-49 46.7 4.6 47.8 101 5,532,803 30,284 1,616,640,595 217 11,564,015
50-54 36.5 4.6 35.1 64 3,245,000 17,168 904,163,764 176 9,240,824
55-59 39.8 6.7 41.0 35 1,907,000 6,172 324,498,615 88 4,650,872
60+ 25.9 8.6 25.9 9 475,000 1,705 90,193,856 35 1,836,116
Total 50.1 2.3 50.3 463 24,890,022 200,935 10,853,128,499 924 49,473,538
By Attained Age
20-24 62.9 44.5 57.9 2 100,000 4,560 248,034,483 3 172,644
25-29 48.3 16.1 53.6 9 541,527 18,418 998,969,553 19 1,010,653
30-34 59.3 11.6 57.7 26 1,375,000 28,595 1,555,214,898 44 2,383,415
35-39 58.1 8.8 60.0 44 2,476,189 32,499 1,770,729,539 76 4,124,499
40-44 59.3 6.8 57.6 76 4,035,817 36,124 1,967,251,598 129 7,004,644
45-49 56.7 5.5 57.4 107 5,834,873 35,032 1,889,009,016 189 10,162,563
50-54 50.2 5.0 50.0 101 5,367,116 25,497 1,358,175,902 201 10,725,355
55-59 34.7 4.8 34.4 53 2,787,500 13,672 721,971,028 153 8,098,011
60-64 42.5 7.4 44.0 33 1,797,000 5,052 265,330,940 78 4,086,225
65+ 34.0 10.3 33.7 11 575,000 1,486 78,441,543 32 1,705,529
Total 50.1 2.3 50.3 463 24,890,022 200,935 10,853,128,499 924 49,473,538

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.1 5.0 23.8 27 2,787,500 39,090 4,391,832,814 104 11,710,882
2 55.4 7.0 54.8 62 6,935,000 38,194 4,298,897,994 112 12,661,694
3 71.4 7.7 73.4 85 9,868,000 36,573 4,116,122,798 119 13,437,126
4 65.8 7.3 65.9 81 9,145,000 34,327 3,866,796,047 123 13,870,295
5 68.1 7.5 72.3 83 9,930,000 30,745 3,469,849,904 122 13,740,401
6 76.0 8.4 72.8 82 8,870,750 24,694 2,789,808,388 108 12,182,021
7+ 67.6 5.4 67.4 155 17,411,507 42,544 4,805,192,770 229 25,836,384
Total 62.7 2.6 62.8 576 64,947,757 246,165 27,738,500,715 918 103,438,802
By Issue Age
20-24 76.7 23.1 70.2 11 1,117,500 16,633 1,847,924,331 14 1,592,282
25-29 59.7 10.6 58.4 32 3,500,000 41,072 4,585,068,807 54 5,988,056
30-34 63.0 7.8 63.8 66 7,570,000 52,081 5,880,946,219 105 11,861,544
35-39 60.2 6.2 64.1 95 11,472,052 51,025 5,783,815,139 158 17,887,287
40-44 70.9 6.0 72.3 139 16,135,750 41,412 4,714,589,601 196 22,321,986
45-49 64.4 5.9 63.5 120 13,330,000 26,356 2,966,889,362 187 21,005,478
50-54 56.4 6.6 52.5 72 7,565,000 12,550 1,407,051,669 128 14,398,980
55-59 49.6 9.1 47.7 30 3,182,455 4,232 466,789,671 60 6,677,917
60-64 59.5 21.0 60.9 8 875,000 696 74,372,228 13 1,436,377
65+ 76.0 53.8 74.4 2 200,000 108 11,053,688 3 268,896
Total 62.7 2.6 62.8 576 64,947,757 246,165 27,738,500,715 918 103,438,802
By Attained Age
20-24 81.1 40.6 71.3 4 392,500 7,075 790,441,846 5 550,729
25-29 71.9 16.1 67.1 20 2,075,000 27,413 3,045,383,343 28 3,090,940
30-34 46.9 8.3 45.2 32 3,450,000 44,357 4,967,080,708 68 7,639,148
35-39 63.0 7.3 65.5 74 8,728,000 50,590 5,731,205,551 118 13,331,730
40-44 61.9 6.2 66.5 101 12,324,052 46,054 5,236,220,330 163 18,539,048
45-49 72.2 6.2 72.4 136 15,485,750 35,119 3,985,976,764 188 21,384,400
50-54 63.6 6.1 60.5 108 11,540,000 21,486 2,420,901,775 169 19,072,982
55-59 51.3 6.7 49.4 58 6,210,000 10,062 1,119,120,115 113 12,564,609
60-64 69.8 11.8 68.2 35 3,792,455 3,258 360,996,154 50 5,560,570
65+ 50.7 17.9 55.7 8 950,000 750 81,174,128 16 1,704,645
Total 62.7 2.6 62.8 576 64,947,757 246,165 27,738,500,715 918 103,438,802

Thomson Data Analysis Tue Sep 30 15:20:16 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 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 60.0 22.7 44.3 7 1,750,000 3,903 1,297,467,580 12 3,953,256
2 34.1 17.0 44.5 4 1,760,000 3,572 1,179,362,396 12 3,957,803
3 49.7 20.3 76.3 6 3,050,000 3,283 1,077,717,764 12 3,997,469
4 50.6 20.7 58.1 6 2,250,000 2,926 949,425,322 12 3,873,208
5 70.9 25.1 58.2 8 2,125,000 2,552 819,170,604 11 3,648,640
6 95.2 31.7 122.8 9 3,730,000 1,995 635,313,306 9 3,036,478
7+ 61.1 17.6 54.6 12 3,400,000 3,462 1,098,599,063 20 6,224,883
Total 59.3 8.2 63.0 52 18,065,000 21,693 7,057,056,035 88 28,691,737
By Issue Age
20-24 0.0 0.0 0.0 0 0 798 230,469,528 1 189,228
25-29 62.7 44.3 99.6 2 1,000,000 2,443 767,859,800 3 1,004,247
30-34 45.3 22.7 42.6 4 1,200,000 4,383 1,404,345,593 9 2,816,314
35-39 49.8 17.6 54.8 8 2,925,000 5,279 1,753,837,039 16 5,336,186
40-44 62.7 17.4 52.2 13 3,590,000 4,407 1,470,273,764 21 6,878,069
45-49 48.6 16.2 60.2 9 3,550,000 2,646 850,535,472 19 5,895,793
50-54 75.0 25.0 78.1 9 3,150,000 1,215 408,519,178 12 4,033,861
55-59 106.4 40.2 125.4 7 2,650,000 460 148,777,091 7 2,112,444
60+ 0.0 0.0 0.0 0 0 63 22,438,571 1 425,596
Total 59.3 8.2 63.0 52 18,065,000 21,693 7,057,056,035 88 28,691,737
By Attained Age
20-24 0.0 0.0 0.0 0 0 416 120,577,620 0 83,078
25-29 0.0 0.0 0.0 0 0 1,513 461,928,881 2 473,241
30-34 40.5 28.6 62.8 2 1,000,000 3,179 1,023,828,106 5 1,592,272
35-39 53.8 21.9 43.2 6 1,575,000 4,744 1,547,194,196 11 3,645,787
40-44 47.3 16.7 51.0 8 2,910,000 4,784 1,606,359,783 17 5,701,314
45-49 67.2 18.6 73.8 13 4,680,000 3,587 1,175,516,882 19 6,342,258
50-54 46.1 16.3 42.2 8 2,350,000 2,200 706,852,105 17 5,563,089
55-59 99.8 31.6 126.4 10 4,150,000 889 291,149,164 10 3,283,403
60-64 99.0 44.3 84.2 5 1,400,000 327 107,376,179 5 1,663,532
65+ 0.0 0.0 0.0 0 0 54 16,273,119 1 343,762
Total 59.3 8.2 63.0 52 18,065,000 21,693 7,057,056,035 88 28,691,737

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.1     TOTAL EXPERIENCE BY ILLNESS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 67.9 1.4 71.3 2,448 205,093,704 1,328,090 116,437,096,097 3,606 287,486,326
Cardio 37.4 1.4 35.4 680 56,155,979 1,328,090 116,437,096,097 1,821 158,794,339
Organ 9.4 2.1 7.7 20 1,462,477 1,306,179 114,875,368,363 213 18,894,094
Neuro 31.8 2.5 46.3 160 18,872,755 1,306,092 114,868,981,560 503 40,790,876
Accident/Infectious 44.3 7.7 51.3 33 3,325,000 1,309,050 115,065,803,776 74 6,478,694
LOIE 5.9 5.9 13.7 1 200,000 297,601 26,016,925,558 17 1,457,212
Non-LT 21.6 7.5 23.7 8 820,750 732,251 12,673,352,851 38 3,470,209
Total 53.4 0.9 55.3 3,350 285,930,665 7,607,353 616,374,624,303 6,273 517,371,751

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.2     TOTAL EXPERIENCE BY ILLNESS -- MALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 66.8 2.1 69.8 1,000 96,308,119 647,143 63,876,517,654 1,497 138,064,821
Cardio 40.0 1.7 37.4 535 47,248,091 647,143 63,876,517,654 1,338 126,204,209
Organ 12.9 3.1 10.0 17 1,282,477 635,452 62,966,151,758 131 12,852,833
Neuro 36.8 4.2 58.1 78 11,596,664 635,416 62,963,284,681 212 19,958,220
Accident/Infectious 41.0 9.9 47.4 17 1,915,000 637,021 63,073,867,085 41 4,036,385
LOIE 0.0 0.0 0.0 0 0 142,446 14,520,190,263 8 867,620
Non-LT 24.1 10.1 25.7 6 595,850 361,246 6,925,200,346 23 2,320,751
Total 50.8 1.3 52.2 1,653 158,946,201 3,705,869 338,201,729,439 3,251 304,304,839

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.3     TOTAL EXPERIENCE BY ILLNESS -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 68.6 1.8 72.8 1,448 108,785,585 680,946 52,560,578,444 2,109 149,421,505
Cardio 30.1 2.5 27.3 145 8,907,888 680,946 52,560,578,444 482 32,590,130
Organ 3.7 2.1 3.0 3 180,000 670,727 51,909,216,605 82 6,041,261
Neuro 28.2 3.1 34.9 82 7,276,091 670,676 51,905,696,879 291 20,832,657
Accident/Infectious 48.4 12.1 57.7 16 1,410,000 672,029 51,991,936,690 33 2,442,310
LOIE 11.8 11.8 33.9 1 200,000 155,154 11,496,735,296 8 589,592
Non-LT 17.7 10.9 19.6 3 224,900 371,004 5,748,152,505 15 1,149,457
Total 56.2 1.4 59.6 1,698 126,984,464 3,901,483 278,172,894,864 3,021 213,066,912

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.4     TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
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 84.9 5.4 88.9 247 14,220,808 138,288 8,714,770,107 291 15,995,598
Cardio 86.8 7.7 83.7 128 7,395,213 138,288 8,714,770,107 147 8,831,300
Organ 5.0 5.0 2.0 1 25,000 135,587 8,574,266,403 20 1,237,846
Neuro 51.6 11.0 70.5 22 1,726,000 135,582 8,574,066,403 43 2,449,770
Accident/Infectious 39.7 22.9 62.4 3 300,000 135,970 8,597,553,525 8 480,559
LOIE 0.0 0.0 0.0 0 0 29,174 1,836,947,186 2 91,000
Non-LT 22.6 29.2 16.7 1 29,000 65,366 746,934,722 3 173,813
Total 78.3 3.9 81.0 402 23,696,021 778,256 45,759,308,453 513 29,259,886

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.5     TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 74.9 7.7 84.6 94 6,755,108 76,471 5,371,627,354 125 7,986,325
Cardio 93.5 9.1 88.3 105 6,363,085 76,471 5,371,627,354 112 7,206,843
Organ 7.6 7.6 2.8 1 25,000 74,935 5,288,778,878 13 893,649
Neuro 78.2 20.2 94.9 15 1,206,000 74,935 5,288,778,878 19 1,270,823
Accident/Infectious 63.1 36.4 89.8 3 300,000 75,188 5,304,018,568 5 334,161
LOIE 0.0 0.0 0.0 0 0 16,328 1,173,684,933 1 59,750
Non-LT 23.4 36.9 18.1 0 22,000 37,240 458,993,603 2 121,723
Total 78.7 5.3 82.1 218 14,671,193 431,568 28,257,509,570 277 17,873,274

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.6     TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
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 92.4 7.5 93.2 153 7,465,700 61,817 3,343,142,753 166 8,009,274
Cardio 65.5 13.6 63.5 23 1,032,128 61,817 3,343,142,753 35 1,624,456
Organ 0.0 0.0 0.0 0 0 60,652 3,285,487,524 7 344,196
Neuro 29.9 11.3 44.1 7 520,000 60,647 3,285,287,524 23 1,178,947
Accident/Infectious 0.0 0.0 0.0 0 0 60,782 3,293,534,958 3 146,398
LOIE & Non-LT 12.5 27.9 8.4 0 7,000 40,972 951,203,371 2 83,341
Total 77.9 5.8 79.3 183 9,024,828 346,688 17,501,798,884 235 11,386,612

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.7     TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 66.4 1.4 70.3 2,201 190,872,896 1,189,802 107,722,325,990 3,315 271,490,728
Cardio 33.0 1.4 32.5 552 48,760,766 1,189,802 107,722,325,990 1,673 149,963,040
Organ 9.8 2.3 8.1 19 1,437,477 1,170,592 106,301,101,960 194 17,656,248
Neuro 30.0 2.6 44.7 138 17,146,755 1,170,510 106,294,915,158 460 38,341,106
Accident/Infectious 44.8 8.2 50.4 30 3,025,000 1,173,080 106,468,250,250 67 5,998,135
LOIE 6.5 6.5 14.6 1 200,000 268,427 24,179,978,372 15 1,366,212
Non-LT 21.5 7.8 24.0 8 791,750 666,885 11,926,418,129 36 3,296,395
Total 51.2 0.9 53.7 2,949 262,234,644 6,829,097 570,615,315,850 5,760 488,111,864

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.8     TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 66.1 2.2 68.8 906 89,553,011 570,673 58,504,890,299 1,371 130,078,496
Cardio 35.1 1.7 34.4 430 40,885,006 570,673 58,504,890,299 1,226 118,997,366
Organ 13.5 3.4 10.5 16 1,257,477 560,517 57,677,372,879 118 11,959,184
Neuro 32.7 4.1 55.6 63 10,390,664 560,481 57,674,505,803 193 18,687,397
Accident/Infectious 38.2 10.2 43.6 14 1,615,000 561,834 57,769,848,517 37 3,702,224
LOIE 0.0 0.0 0.0 0 0 126,118 13,346,505,329 8 807,870
Non-LT 24.2 10.5 26.1 5 573,850 324,006 6,466,206,743 22 2,199,029
Total 48.2 1.3 50.4 1,434 144,275,008 3,274,301 309,944,219,870 2,974 286,431,565

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 4.9     TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 66.6 1.9 71.6 1,295 101,319,885 619,129 49,217,435,691 1,944 141,412,232
Cardio 27.3 2.5 25.4 122 7,875,760 619,129 49,217,435,691 447 30,965,674
Organ 4.0 2.3 3.2 3 180,000 610,075 48,623,729,081 75 5,697,065
Neuro 28.0 3.2 34.4 75 6,756,091 610,029 48,620,409,355 268 19,653,709
Accident/Infectious 52.9 13.2 61.4 16 1,410,000 611,246 48,698,401,733 30 2,295,912
LOIE 12.8 12.8 35.8 1 200,000 142,309 10,833,473,043 8 558,342
Non-LT 17.4 11.2 19.9 2 217,900 342,878 5,460,211,387 14 1,097,367
Total 54.4 1.4 58.5 1,514 117,959,636 3,554,795 260,671,095,980 2,786 201,680,299

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.1     HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 39.1 6.3 42.8 39 3,750,000 219,720 19,103,423,129 100 8,763,460
2 31.2 5.3 29.9 34 2,881,250 205,805 18,112,920,541 109 9,651,501
3 44.2 6.1 43.2 53 4,569,349 194,695 17,116,924,994 120 10,565,959
4 40.5 5.6 32.6 52 3,654,303 182,534 15,889,970,680 128 11,206,668
5 40.8 5.6 36.9 53 4,202,247 163,023 14,230,023,421 130 11,381,528
6 50.7 6.5 46.7 60 4,843,771 132,040 11,507,869,774 118 10,374,050
7+ 41.5 3.9 36.8 113 8,992,019 230,272 20,475,963,558 272 24,451,310
Total 41.3 2.1 38.1 404 32,892,939 1,328,090 116,437,096,097 978 86,394,476

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.2     MALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 46.0 7.8 44.6 35 3,215,000 105,848 10,386,970,374 76 7,202,302
2 38.5 6.8 35.8 32 2,836,250 99,797 9,894,429,364 83 7,925,044
3 49.3 7.3 48.7 45 4,215,349 94,730 9,364,680,370 91 8,648,829
4 46.2 6.9 35.8 45 3,278,000 88,875 8,674,629,838 97 9,147,568
5 42.8 6.6 37.5 42 3,470,720 79,274 7,790,121,850 98 9,260,104
6 53.9 7.8 47.0 48 3,949,643 64,188 6,312,584,558 89 8,406,822
7+ 47.3 4.8 39.6 97 7,845,519 114,431 11,453,101,299 205 19,808,999
Total 46.5 2.5 40.9 344 28,810,481 647,143 63,876,517,654 740 70,399,669

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.3     FEMALE HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.9 8.5 34.3 4 535,000 113,872 8,716,452,755 24 1,561,158
2 7.7 5.5 2.6 2 45,000 106,008 8,218,491,177 26 1,726,457
3 27.9 9.9 18.5 8 354,000 99,965 7,752,244,624 29 1,917,129
4 22.7 8.6 18.3 7 376,303 93,659 7,215,340,842 31 2,059,100
5 34.7 10.5 34.5 11 731,527 83,749 6,439,901,571 32 2,121,424
6 40.8 11.8 45.5 12 894,128 67,852 5,195,285,216 29 1,967,228
7+ 23.9 6.0 24.7 16 1,146,500 115,840 9,022,862,259 67 4,642,311
Total 25.3 3.3 25.5 60 4,082,458 680,946 52,560,578,444 237 15,994,808

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.4     HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 116.0 35.0 143.6 11 800,000 25,376 1,613,360,894 9 556,991
2 79.1 28.0 63.6 8 375,000 22,838 1,444,604,262 10 589,308
3 142.0 36.7 117.3 15 719,500 20,797 1,295,260,027 11 613,468
4 83.5 27.8 73.0 9 460,000 18,797 1,154,600,118 11 630,134
5 93.6 29.6 82.6 10 530,000 16,441 1,020,579,152 11 641,457
6 149.1 39.9 109.6 14 625,628 12,837 799,046,615 9 570,895
7+ 133.5 25.2 115.4 28 1,577,085 21,203 1,387,319,038 21 1,366,993
Total 115.9 11.9 102.4 95 5,087,213 138,288 8,714,770,107 82 4,969,247

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.5     MALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 145.0 43.7 168.9 11 800,000 14,500 1,018,031,167 8 473,702
2 99.1 35.0 75.2 8 375,000 12,843 900,481,235 8 498,779
3 179.7 46.4 139.8 15 719,500 11,482 793,250,426 8 514,677
4 106.5 35.5 87.6 9 460,000 10,229 697,948,814 8 525,328
5 71.7 29.3 58.7 6 315,000 8,912 620,918,471 8 537,016
6 123.0 41.0 77.9 9 371,500 6,930 485,160,951 7 476,803
7+ 164.5 31.7 135.5 27 1,552,085 11,575 855,836,290 16 1,145,609
Total 131.7 14.3 110.1 85 4,593,085 76,471 5,371,627,354 65 4,171,915

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.6     FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 10,876 595,329,726 2 83,289
2 0.0 0.0 0.0 0 0 9,996 544,123,027 2 90,528
3 0.0 0.0 0.0 0 0 9,316 502,009,602 2 98,790
4 0.0 0.0 0.0 0 0 8,567 456,651,304 2 104,806
5 172.4 86.2 205.9 4 215,000 7,529 399,660,681 2 104,441
6 241.6 108.0 270.1 5 254,128 5,907 313,885,664 2 94,092
7+ 21.9 21.9 11.3 1 25,000 9,628 531,482,749 5 221,384
Total 57.3 18.1 62.0 10 494,128 61,817 3,343,142,753 17 797,332

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.7     HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.0 5.9 35.9 28 2,950,000 194,344 17,490,062,236 90 8,206,469
2 26.3 5.2 27.7 26 2,506,250 182,966 16,668,316,279 99 9,062,193
3 34.7 5.6 38.7 38 3,849,849 173,898 15,821,664,967 109 9,952,491
4 36.6 5.6 30.2 43 3,194,303 163,738 14,735,370,561 118 10,576,534
5 36.1 5.5 34.2 43 3,672,247 146,582 13,209,444,268 119 10,740,070
6 42.2 6.2 43.0 46 4,218,143 119,204 10,708,823,159 109 9,803,155
7+ 33.8 3.7 32.1 85 7,414,934 209,069 19,088,644,520 251 23,084,317
Total 34.5 2.0 34.1 309 27,805,726 1,189,802 107,722,325,990 896 81,425,230

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.8     MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 35.0 7.2 35.9 24 2,415,000 91,348 9,368,939,207 69 6,728,600
2 31.9 6.5 33.1 24 2,461,250 86,954 8,993,948,129 75 7,426,265
3 36.2 6.6 43.0 30 3,495,849 83,248 8,571,429,945 83 8,134,152
4 40.4 6.7 32.7 36 2,818,000 78,646 7,976,681,023 89 8,622,240
5 40.1 6.7 36.2 36 3,155,720 70,363 7,169,203,379 90 8,723,088
6 47.7 7.6 45.1 39 3,578,143 57,259 5,827,423,607 82 7,930,019
7+ 37.1 4.4 33.7 70 6,293,434 102,856 10,597,265,009 189 18,663,390
Total 38.3 2.4 36.6 259 24,217,396 570,673 58,504,890,299 676 66,227,754

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 5.9     FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 18.4 9.2 36.2 4 535,000 102,997 8,121,123,029 22 1,477,869
2 8.4 5.9 2.8 2 45,000 96,012 7,674,368,150 24 1,635,929
3 30.2 10.7 19.5 8 354,000 90,650 7,250,235,023 26 1,818,339
4 24.6 9.3 19.3 7 376,303 85,092 6,758,689,538 29 1,954,294
5 23.8 9.0 25.6 7 516,527 76,220 6,040,240,889 29 2,016,982
6 25.6 9.7 34.2 7 640,000 61,945 4,881,399,552 27 1,873,136
7+ 24.0 6.2 25.4 15 1,121,500 106,213 8,491,379,510 62 4,420,927
Total 22.8 3.2 23.6 50 3,588,330 619,129 49,217,435,691 220 15,197,476

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.1     LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.1 2.9 32.6 118 9,675,000 219,720 19,103,423,129 379 29,706,598
2 65.6 4.0 67.6 265 21,568,391 205,805 18,112,920,541 404 31,923,663
3 70.4 4.0 77.9 307 26,819,314 194,695 17,116,924,994 436 34,412,253
4 70.4 3.9 72.8 324 26,311,034 182,534 15,889,970,680 460 36,145,815
5 73.1 4.0 78.0 338 28,481,448 163,023 14,230,023,421 463 36,497,415
6 73.8 4.2 78.4 310 26,005,530 132,040 11,507,869,774 420 33,183,010
7+ 75.8 2.8 77.1 717 59,865,541 230,272 20,475,963,558 946 77,621,326
Total 67.8 1.4 71.1 2,379 198,726,258 1,328,090 116,437,096,097 3,508 279,490,079

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.2     MALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.8 4.5 30.2 39 3,930,000 105,848 10,386,970,374 140 13,007,961
2 67.6 6.6 67.9 104 9,706,749 99,797 9,894,429,364 154 14,301,501
3 65.4 6.2 76.9 112 12,114,640 94,730 9,364,680,370 171 15,747,739
4 74.1 6.3 76.7 138 12,954,043 88,875 8,674,629,838 186 16,887,054
5 73.6 6.2 75.0 141 13,086,264 79,274 7,790,121,850 192 17,441,590
6 64.7 6.0 68.8 115 11,124,485 64,188 6,312,584,558 178 16,174,702
7+ 73.8 4.1 76.3 323 31,172,165 114,431 11,453,101,299 438 40,854,418
Total 66.6 2.1 70.0 972 94,088,346 647,143 63,876,517,654 1,459 134,414,965

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.3     FEMALE LIFE THREATENING CANCER EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.1 3.7 34.4 79 5,745,000 113,872 8,716,452,755 239 16,698,637
2 64.4 5.1 67.3 161 11,861,642 106,008 8,218,491,177 250 17,622,161
3 73.7 5.3 78.8 195 14,704,674 99,965 7,752,244,624 265 18,664,514
4 67.9 5.0 69.4 186 13,356,991 93,659 7,215,340,842 274 19,258,761
5 72.7 5.2 80.8 197 15,395,184 83,749 6,439,901,571 271 19,055,825
6 80.5 5.8 87.5 195 14,881,045 67,852 5,195,285,216 242 17,008,308
7+ 77.5 3.9 78.0 394 28,693,376 115,840 9,022,862,259 508 36,766,908
Total 68.7 1.8 72.1 1,407 104,637,912 680,946 52,560,578,444 2,049 145,075,114

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.4     LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 55.0 12.6 66.1 19 1,235,000 25,376 1,613,360,894 35 1,867,904
2 61.6 13.1 72.6 22 1,390,000 22,838 1,444,604,262 36 1,914,161
3 102.8 16.7 116.1 38 2,277,508 20,797 1,295,260,027 37 1,961,621
4 69.5 13.6 61.0 26 1,210,755 18,797 1,154,600,118 37 1,985,993
5 104.1 16.9 141.3 38 2,774,605 16,441 1,020,579,152 37 1,963,459
6 85.0 16.4 70.1 27 1,210,000 12,837 799,046,615 32 1,726,935
7+ 95.5 11.8 86.3 66 3,495,070 21,203 1,387,319,038 69 4,050,871
Total 83.7 5.4 87.9 236 13,592,938 138,288 8,714,770,107 282 15,470,943

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.5     MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 62.7 20.9 77.0 9 700,000 14,500 1,018,031,167 14 909,093
2 80.3 23.2 97.0 12 900,000 12,843 900,481,235 15 927,456
3 97.8 25.3 95.9 15 898,508 11,482 793,250,426 15 936,665
4 64.6 20.4 70.4 10 665,000 10,229 697,948,814 15 944,577
5 97.5 25.2 143.5 15 1,379,600 8,912 620,918,471 15 961,230
6 36.8 16.5 20.4 5 175,000 6,930 485,160,951 14 856,679
7+ 77.2 15.4 83.1 25 1,812,000 11,575 855,836,290 32 2,180,167
Total 74.9 7.9 84.6 91 6,530,108 76,471 5,371,627,354 121 7,715,868

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.6     FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 49.5 15.7 55.8 10 535,000 10,876 595,329,726 20 958,811
2 48.1 15.2 49.7 10 490,000 9,996 544,123,027 21 986,705
3 106.3 22.2 134.5 23 1,379,000 9,316 502,009,602 22 1,024,955
4 73.0 18.3 52.4 16 545,755 8,567 456,651,304 22 1,041,415
5 108.9 22.7 139.2 23 1,395,005 7,529 399,660,681 21 1,002,229
6 121.0 25.8 118.9 22 1,035,000 5,907 313,885,664 18 870,256
7+ 111.6 17.4 90.0 41 1,683,070 9,628 531,482,749 37 1,870,703
Total 90.3 7.5 91.1 145 7,062,830 61,817 3,343,142,753 161 7,755,075

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.7     LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.7 2.9 30.3 99 8,440,000 194,344 17,490,062,236 345 27,838,694
2 66.0 4.2 67.2 243 20,178,391 182,966 16,668,316,279 368 30,009,501
3 67.4 4.1 75.6 269 24,541,806 173,898 15,821,664,967 399 32,450,632
4 70.5 4.1 73.5 298 25,100,279 163,738 14,735,370,561 423 34,159,823
5 70.4 4.1 74.4 300 25,706,843 146,582 13,209,444,268 426 34,533,956
6 72.9 4.3 78.8 283 24,795,530 119,204 10,708,823,159 388 31,456,075
7+ 74.2 2.9 76.6 651 56,370,471 209,069 19,088,644,520 877 73,570,456
Total 66.4 1.4 70.1 2,143 185,133,320 1,189,802 107,722,325,990 3,226 264,019,136

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.8     MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.8 4.3 26.7 30 3,230,000 91,348 9,368,939,207 126 12,098,868
2 66.2 6.9 65.8 92 8,806,749 86,954 8,993,948,129 139 13,374,045
3 62.2 6.3 75.7 97 11,216,132 83,248 8,571,429,945 156 14,811,073
4 75.0 6.6 77.1 128 12,289,043 78,646 7,976,681,023 171 15,942,477
5 71.5 6.4 71.0 126 11,706,664 70,363 7,169,203,379 176 16,480,361
6 67.0 6.4 71.5 110 10,949,485 57,259 5,827,423,607 164 15,318,022
7+ 73.5 4.3 75.9 298 29,360,165 102,856 10,597,265,009 405 38,674,251
Total 65.9 2.2 69.1 881 87,558,238 570,673 58,504,890,299 1,337 126,699,097

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 6.9     FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.5 3.8 33.1 69 5,210,000 102,997 8,121,123,029 219 15,739,826
2 65.9 5.4 68.4 151 11,371,642 96,012 7,674,368,150 229 16,635,456
3 70.8 5.4 75.5 172 13,325,674 90,650 7,250,235,023 243 17,639,559
4 67.4 5.2 70.3 170 12,811,236 85,092 6,758,689,538 252 18,217,346
5 69.6 5.3 77.5 174 14,000,179 76,220 6,040,240,889 250 18,053,595
6 77.2 5.9 85.8 173 13,846,045 61,945 4,881,399,552 224 16,138,052
7+ 74.9 4.0 77.4 353 27,010,306 106,213 8,491,379,510 472 34,896,205
Total 66.8 1.9 71.1 1,262 97,575,082 619,129 49,217,435,691 1,889 137,320,039

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.1     STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 6.7 15.9 9 594,000 219,720 19,103,423,129 45 3,744,958
2 28.9 7.7 25.9 14 1,048,189 205,805 18,112,920,541 48 4,049,655
3 32.3 7.8 45.1 17 1,975,000 194,695 17,116,924,994 53 4,382,998
4 48.3 9.3 54.4 27 2,510,000 182,534 15,889,970,680 56 4,617,673
5 35.4 7.9 29.1 20 1,360,700 163,023 14,230,023,421 57 4,680,268
6 32.9 8.0 28.3 17 1,207,491 132,040 11,507,869,774 52 4,269,245
7+ 34.2 5.3 35.6 41 3,620,000 230,272 20,475,963,558 120 10,155,775
Total 33.7 2.8 34.3 145 12,315,380 1,328,090 116,437,096,097 430 35,900,574

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.2     MALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.8 8.9 17.7 5 420,000 105,848 10,386,970,374 25 2,375,208
2 18.2 8.1 19.2 5 500,000 99,797 9,894,429,364 27 2,601,482
3 36.3 11.0 46.0 11 1,305,000 94,730 9,364,680,370 30 2,839,245
4 43.1 11.5 56.9 14 1,715,000 88,875 8,674,629,838 33 3,011,740
5 36.4 10.5 25.6 12 785,700 79,274 7,790,121,850 33 3,070,453
6 29.7 9.9 27.9 9 785,000 64,188 6,312,584,558 30 2,810,885
7+ 37.4 7.2 44.4 27 3,040,000 114,431 11,453,101,299 72 6,841,295
Total 33.1 3.6 36.3 83 8,550,700 647,143 63,876,517,654 251 23,550,308

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.3     FEMALE STROKE EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.1 10.1 12.7 4 174,000 113,872 8,716,452,755 20 1,369,750
2 43.1 14.4 37.9 9 548,189 106,008 8,218,491,177 21 1,448,173
3 26.9 11.0 43.4 6 670,000 99,965 7,752,244,624 22 1,543,753
4 55.5 15.4 49.5 13 795,000 93,659 7,215,340,842 23 1,605,934
5 34.0 12.0 35.7 8 575,000 83,749 6,439,901,571 24 1,609,815
6 37.3 13.2 29.0 8 422,491 67,852 5,195,285,216 21 1,458,360
7+ 29.4 7.9 17.5 14 580,000 115,840 9,022,862,259 48 3,314,481
Total 34.6 4.4 30.5 62 3,764,680 680,946 52,560,578,444 179 12,350,266

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.4     STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 25,376 1,613,360,894 4 241,268
2 45.4 32.1 64.3 2 160,000 22,838 1,444,604,262 4 248,664
3 21.9 21.9 117.7 1 300,000 20,797 1,295,260,027 5 254,842
4 86.7 43.3 63.8 4 165,000 18,797 1,154,600,118 5 258,433
5 44.1 31.2 58.1 2 150,000 16,441 1,020,579,152 5 258,348
6 75.7 43.7 87.7 3 200,000 12,837 799,046,615 4 228,048
7+ 67.9 27.7 103.2 6 560,000 21,203 1,387,319,038 9 542,659
Total 51.2 12.1 75.5 18 1,535,000 138,288 8,714,770,107 35 2,032,262

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.5     MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 14,500 1,018,031,167 3 162,243
2 0.0 0.0 0.0 0 0 12,843 900,481,235 3 167,569
3 36.2 36.2 175.8 1 300,000 11,482 793,250,426 3 170,602
4 107.7 62.2 66.6 3 115,000 10,229 697,948,814 3 172,584
5 36.3 36.3 71.3 1 125,000 8,912 620,918,471 3 175,366
6 41.5 41.5 64.3 1 100,000 6,930 485,160,951 2 155,449
7+ 54.0 31.2 124.6 3 475,000 11,575 855,836,290 6 381,140
Total 41.8 13.9 80.5 9 1,115,000 76,471 5,371,627,354 22 1,384,952

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.6     FEMALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 10,876 595,329,726 2 79,026
2 116.3 82.2 197.3 2 160,000 9,996 544,123,027 2 81,095
3 0.0 0.0 0.0 0 0 9,316 502,009,602 2 84,240
4 54.6 54.6 58.2 1 50,000 8,567 456,651,304 2 85,849
5 56.2 56.2 30.1 1 25,000 7,529 399,660,681 2 82,982
6 129.0 91.2 137.7 2 100,000 5,907 313,885,664 2 72,599
7+ 91.4 52.8 52.6 3 85,000 9,628 531,482,749 3 161,519
Total 66.0 22.0 64.9 9 420,000 61,817 3,343,142,753 14 647,310

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.7     STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.0 7.3 17.0 9 594,000 194,344 17,490,062,236 41 3,503,690
2 27.3 7.9 23.4 12 888,189 182,966 16,668,316,279 44 3,800,991
3 33.3 8.3 40.6 16 1,675,000 173,898 15,821,664,967 48 4,128,156
4 44.8 9.3 53.8 23 2,345,000 163,738 14,735,370,561 51 4,359,241
5 34.6 8.2 27.4 18 1,210,700 146,582 13,209,444,268 52 4,421,920
6 29.3 7.8 24.9 14 1,007,491 119,204 10,708,823,159 48 4,041,198
7+ 31.6 5.3 31.8 35 3,060,000 209,069 19,088,644,520 111 9,613,116
Total 32.2 2.9 31.8 127 10,780,380 1,189,802 107,722,325,990 395 33,868,312

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.8     MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.1 9.9 19.0 5 420,000 91,348 9,368,939,207 23 2,212,966
2 20.2 9.0 20.5 5 500,000 86,954 8,993,948,129 25 2,433,912
3 36.4 11.5 37.7 10 1,005,000 83,248 8,571,429,945 28 2,668,643
4 37.0 11.2 56.4 11 1,600,000 78,646 7,976,681,023 30 2,839,156
5 36.4 11.0 22.8 11 660,700 70,363 7,169,203,379 30 2,895,087
6 28.7 10.1 25.8 8 685,000 57,259 5,827,423,607 28 2,655,436
7+ 36.0 7.4 39.7 24 2,565,000 102,856 10,597,265,009 67 6,460,155
Total 32.3 3.7 33.5 74 7,435,700 570,673 58,504,890,299 229 22,165,356

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 7.9     FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.0 11.0 13.5 4 174,000 102,997 8,121,123,029 18 1,290,724
2 36.5 13.8 28.4 7 388,189 96,012 7,674,368,150 19 1,367,078
3 29.2 11.9 45.9 6 670,000 90,650 7,250,235,023 21 1,459,513
4 55.6 16.1 49.0 12 745,000 85,092 6,758,689,538 22 1,520,085
5 32.1 12.1 36.0 7 550,000 76,220 6,040,240,889 22 1,526,833
6 30.2 12.3 23.3 6 322,491 61,945 4,881,399,552 20 1,385,762
7+ 24.9 7.5 15.7 11 495,000 106,213 8,491,379,510 44 3,152,961
Total 32.0 4.4 28.6 53 3,344,680 619,129 49,217,435,691 165 11,702,956

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.1     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.7 4.5 32.2 50 4,848,600 59,047 5,662,225,216 158 15,056,807
2 40.1 5.3 44.5 58 6,214,000 47,028 4,624,548,319 145 13,977,124
3 54.2 6.0 47.6 81 6,986,700 40,614 4,132,920,482 149 14,692,516
4 50.0 5.3 51.5 88 8,984,490 40,165 4,117,890,085 176 17,453,027
5 54.1 5.3 51.4 104 9,593,200 37,321 3,811,062,713 193 18,654,271
6 57.2 5.6 50.3 103 8,258,000 30,991 2,987,654,037 180 16,413,513
7+ 60.2 4.9 56.0 153 11,721,000 38,509 3,438,539,150 254 20,947,112
Total 50.8 2.0 48.3 638 56,605,990 293,675 28,774,840,002 1,255 117,194,370
By Issue Age
20-24 62.6 20.9 67.6 9 885,000 18,668 1,710,149,214 14 1,309,745
25-29 59.3 11.2 63.5 28 2,805,000 41,829 3,931,515,972 47 4,414,710
30-34 55.9 7.7 41.1 52 3,878,200 53,969 5,523,340,925 93 9,439,261
35-39 46.0 5.4 38.9 73 6,485,000 57,756 6,136,682,207 159 16,672,008
40-44 53.8 4.7 52.3 133 13,047,500 54,125 5,536,297,935 248 24,955,465
45-49 51.5 4.2 47.2 154 13,066,090 39,689 3,681,130,975 299 27,664,406
50-54 49.9 4.6 52.1 117 10,462,600 19,494 1,641,798,033 235 20,062,742
55-59 46.7 6.2 49.3 57 4,846,600 6,715 514,506,875 123 9,827,135
60+ 37.3 10.0 39.7 14 1,130,000 1,432 99,417,867 38 2,848,898
Total 50.8 2.0 48.3 638 56,605,990 293,675 28,774,840,002 1,255 117,194,370
By Attained Age
20-24 31.3 22.1 26.1 2 150,000 9,626 870,307,801 6 575,507
25-29 61.9 14.6 54.8 18 1,450,000 31,256 2,871,760,069 29 2,645,893
30-34 51.0 8.9 55.7 33 3,515,000 46,759 4,607,687,377 65 6,306,148
35-39 51.1 6.8 37.3 57 4,318,200 53,320 5,612,754,175 112 11,578,160
40-44 47.6 5.2 41.8 85 7,897,500 53,656 5,728,732,027 179 18,899,465
45-49 53.4 4.5 51.9 138 13,311,100 47,478 4,703,277,915 260 25,655,062
50-54 51.1 4.3 45.3 142 11,421,590 31,295 2,811,212,783 277 25,231,238
55-59 47.2 4.9 55.2 94 9,149,000 14,393 1,151,616,165 200 16,585,081
60-64 57.5 7.7 65.2 56 4,833,600 4,801 343,704,268 98 7,419,084
65+ 39.0 11.3 24.4 12 560,000 1,091 73,787,421 31 2,298,733
Total 50.8 2.0 48.3 638 56,605,990 293,675 28,774,840,002 1,255 117,194,370

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.2     TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 13.3 7.6 14.2 3 285,000 9,484 843,619,241 23 2,002,106
2 49.6 12.4 49.5 16 1,400,000 11,118 1,023,021,335 32 2,826,998
3 41.7 10.1 46.2 17 1,645,000 12,087 1,124,911,023 41 3,561,520
4 45.4 9.7 37.0 22 1,545,000 12,848 1,182,461,442 48 4,172,362
5 62.4 10.1 63.1 38 3,635,000 13,697 1,346,311,825 61 5,758,982
6 56.1 8.6 48.7 43 3,770,750 14,777 1,531,140,694 77 7,744,227
7+ 62.9 6.0 63.2 109 12,055,000 27,203 2,982,133,931 173 19,072,204
Total 54.4 3.5 53.9 248 24,335,750 101,214 10,033,599,492 456 45,138,399
By Issue Age
20-24 40.7 28.8 52.4 2 225,000 6,092 534,088,994 5 429,306
25-29 68.0 19.6 98.2 12 1,605,000 14,768 1,363,380,884 18 1,634,355
30-34 74.6 14.4 60.3 27 2,295,000 19,412 2,029,653,991 36 3,805,511
35-39 57.5 9.6 53.2 36 3,535,000 20,898 2,222,500,225 63 6,643,604
40-44 61.2 8.0 67.3 58 6,760,750 18,688 1,951,453,627 95 10,047,521
45-49 50.4 7.0 46.9 52 4,590,000 12,437 1,136,896,135 103 9,793,182
50-54 47.9 7.5 37.5 41 3,130,000 6,484 592,097,266 86 8,356,441
55+ 39.5 8.8 49.6 20 2,195,000 2,435 203,528,370 51 4,428,478
Total 54.4 3.5 53.9 248 24,335,750 101,214 10,033,599,492 456 45,138,399
By Attained Age
20-24 0.0 0.0 0.0 0 0 2,263 195,612,405 1 127,818
25-29 47.9 23.9 62.5 4 455,000 9,117 798,689,570 8 727,955
30-34 73.3 18.9 85.4 15 1,640,000 15,153 1,432,799,782 20 1,920,639
35-39 58.1 12.4 48.2 22 1,875,000 18,655 1,945,260,768 38 3,891,949
40-44 64.1 10.1 55.9 40 3,640,000 19,265 2,046,497,790 62 6,515,995
45-49 53.0 7.6 52.0 48 4,820,750 16,961 1,747,905,545 91 9,267,518
50-54 57.6 7.6 68.3 58 6,525,000 11,585 1,084,500,320 101 9,553,644
55-59 40.3 7.0 27.3 33 2,235,000 5,891 563,503,384 82 8,174,152
60+ 54.2 10.2 63.4 28 3,145,000 2,325 218,829,928 52 4,958,728
Total 54.4 3.5 53.9 248 24,335,750 101,214 10,033,599,492 456 45,138,399

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.3     TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 53.7 1.4 57.5 1,528 129,041,281 493,584 43,149,961,210 2,846 224,358,212
Total 53.7 1.4 57.5 1,528 129,041,281 493,584 43,149,961,210 2,846 224,358,212
By Issue Age
20-39 58.7 3.4 66.0 298 32,270,238 246,712 23,708,593,192 509 48,908,659
40-44 58.2 3.6 58.8 267 24,272,226 92,788 8,285,058,550 459 41,265,361
45-49 52.7 3.0 51.3 319 24,926,347 74,767 5,883,908,985 604 48,577,988
50-54 50.4 2.8 54.4 313 24,453,306 48,673 3,409,485,910 622 44,953,745
55-59 56.4 3.7 63.9 236 17,743,463 22,211 1,423,070,282 419 27,777,733
60+ 40.2 4.1 41.8 94 5,375,701 8,434 439,844,292 234 12,874,726
Total 53.7 1.4 57.5 1,528 129,041,281 493,584 43,149,961,210 2,846 224,358,212
By Attained Age
20-44 55.9 3.1 63.5 319 34,175,766 269,086 25,570,394,990 571 53,846,292
45-49 57.1 3.5 57.5 264 22,907,958 86,447 7,465,118,717 463 39,826,593
50-54 51.5 3.0 50.9 301 23,523,968 67,272 5,271,412,465 586 46,249,925
55-59 52.4 3.0 58.4 312 25,665,455 43,086 3,110,168,717 594 43,973,335
60-64 57.5 3.8 61.8 233 16,754,546 20,034 1,299,718,125 406 27,109,378
65+ 43.3 4.4 45.0 98 6,013,588 7,659 433,148,195 226 13,352,688
Total 53.7 1.4 57.5 1,528 129,041,281 493,584 43,149,961,210 2,846 224,358,212

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.4     TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.5 4.1 27.9 41 3,332,500 50,454 3,966,735,915 156 11,943,201
2 55.8 6.3 53.8 78 5,566,367 41,952 3,217,430,536 139 10,342,911
3 52.1 6.5 75.3 65 6,719,995 35,910 2,646,005,175 125 8,926,782
4 74.5 7.9 69.4 88 5,325,750 33,059 2,225,403,471 118 7,678,896
5 57.3 7.3 54.0 62 3,515,000 28,999 1,822,210,829 108 6,505,353
6 57.9 7.9 63.5 53 3,390,167 22,619 1,371,173,994 92 5,337,626
7+ 68.2 6.3 67.9 116 7,394,845 32,509 2,063,091,504 170 10,884,692
Total 55.4 2.5 57.2 503 35,244,624 245,501 17,312,051,424 908 61,619,461
By Issue Age
20-44 59.7 3.8 61.7 248 18,870,245 198,189 14,224,716,524 416 30,568,215
45-49 51.9 5.4 54.3 91 6,586,967 24,629 1,731,555,129 176 12,137,935
50-54 54.8 5.9 50.8 87 5,169,045 14,128 899,721,241 159 10,184,660
55-59 48.0 6.4 53.9 56 3,466,367 6,853 365,791,885 118 6,432,309
60-64 51.3 12.1 52.4 18 1,042,000 1,536 80,289,716 35 1,990,111
65+ 43.6 30.8 35.9 2 110,000 165 9,976,929 5 306,231
Total 55.4 2.5 57.2 503 35,244,624 245,501 17,312,051,424 908 61,619,461
By Attained Age
20-44 58.6 4.3 63.2 187 14,952,745 180,255 12,944,909,017 319 23,659,612
45-49 49.7 5.6 47.9 79 5,546,000 29,669 2,172,790,723 159 11,586,923
50-54 59.6 5.9 56.5 102 6,537,667 19,774 1,313,002,349 172 11,575,585
55-59 52.5 6.0 48.3 76 4,134,545 10,411 601,608,304 144 8,557,352
60-64 49.9 7.5 62.5 44 2,936,667 4,425 225,587,742 88 4,699,202
65+ 57.9 14.9 73.8 15 1,137,000 966 54,153,288 26 1,540,789
Total 55.4 2.5 57.2 503 35,244,624 245,501 17,312,051,424 908 61,619,461

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.5     MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 37.0 7.1 37.3 27 3,097,500 27,890 3,096,881,873 73 8,302,364
2 37.7 7.4 36.3 26 2,854,000 22,664 2,566,203,871 69 7,860,190
3 47.5 8.0 42.9 35 3,653,100 19,976 2,316,715,500 75 8,514,540
4 48.4 7.4 49.8 43 5,115,000 19,521 2,281,186,456 89 10,276,196
5 48.9 7.1 50.6 48 5,575,000 17,842 2,095,533,765 98 11,007,588
6 44.3 7.0 37.3 40 3,578,000 14,372 1,607,551,793 90 9,603,936
7+ 49.0 6.3 49.8 61 5,851,000 17,233 1,767,656,421 124 11,749,102
Total 45.4 2.7 44.2 281 29,723,600 139,498 15,731,729,679 619 67,313,915
By Issue Age
20-24 96.6 39.4 104.8 6 635,000 8,933 870,069,588 6 606,023
25-29 59.0 17.8 49.9 11 965,000 19,118 1,968,957,573 19 1,934,210
30-34 39.4 10.2 31.9 15 1,425,000 25,646 2,984,378,900 38 4,463,198
35-39 39.9 7.7 32.3 27 2,675,000 27,579 3,367,597,810 68 8,272,451
40-44 45.7 6.3 43.6 53 5,977,500 26,228 3,130,756,676 116 13,712,623
45-49 43.6 5.3 41.6 66 6,923,500 19,041 2,115,841,856 153 16,661,136
50-54 48.1 6.1 48.7 63 6,307,600 9,376 939,566,344 131 12,957,814
55-59 46.6 8.2 58.1 32 3,865,000 3,002 294,436,695 69 6,651,272
60-64 39.4 14.9 49.1 7 950,000 533 57,254,237 18 1,932,896
65+ 0.0 0.0 0.0 0 0 44 2,870,000 2 122,293
Total 45.4 2.7 44.2 281 29,723,600 139,498 15,731,729,679 619 67,313,915
By Attained Age
20-24 34.1 34.1 35.8 1 100,000 4,704 449,363,654 3 279,582
25-29 93.4 28.2 76.7 11 900,000 14,433 1,438,212,363 12 1,173,833
30-34 42.0 12.7 41.8 11 1,225,000 21,947 2,436,263,095 26 2,930,068
35-39 39.3 9.3 30.2 18 1,665,000 25,384 3,045,543,950 46 5,516,393
40-44 39.0 7.0 34.5 31 3,392,500 25,969 3,204,455,643 80 9,832,930
45-49 47.2 6.1 43.7 59 6,408,000 22,946 2,688,422,719 126 14,679,244
50-54 43.6 5.5 42.0 63 6,472,100 14,914 1,585,579,745 145 15,417,452
55-59 44.4 6.3 49.4 49 5,321,000 6,615 644,370,547 110 10,772,659
60-64 54.1 9.9 76.6 30 3,850,000 2,153 193,634,745 55 5,027,957
65+ 43.9 16.6 23.2 7 390,000 432 45,883,217 16 1,683,798
Total 45.4 2.7 44.2 281 29,723,600 139,498 15,731,729,679 619 67,313,915

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.6     MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 9.6 9.6 20.2 1 200,000 4,455 425,356,799 10 987,724
2 46.5 17.6 46.5 7 685,000 5,332 536,462,718 15 1,473,183
3 20.4 10.2 17.1 4 325,000 5,862 598,396,828 20 1,903,296
4 37.5 12.5 29.5 9 675,000 6,342 635,548,979 24 2,284,658
5 49.8 12.5 52.9 16 1,825,000 6,971 763,862,116 32 3,451,850
6 34.3 8.9 24.1 15 1,205,000 7,819 913,578,389 44 5,007,558
7+ 50.8 7.0 54.4 53 7,070,000 14,676 1,832,100,682 104 13,001,698
Total 42.1 4.1 42.6 105 11,985,000 51,458 5,705,306,512 249 28,109,967
By Issue Age
20-24 46.0 46.0 50.1 1 100,000 2,996 275,029,680 2 199,595
25-29 53.5 26.8 94.3 4 680,000 7,187 686,215,879 7 721,335
30-34 63.7 20.1 54.4 10 975,000 9,770 1,095,090,312 16 1,791,669
35-39 50.2 13.0 48.8 15 1,775,000 10,890 1,305,884,048 30 3,638,659
40-44 34.4 8.4 45.2 17 2,790,000 9,678 1,185,635,982 49 6,170,612
45-49 42.2 8.6 38.4 24 2,390,000 6,191 655,674,007 57 6,228,608
50-54 41.5 8.8 28.2 22 1,675,000 3,374 365,285,284 53 5,947,283
55+ 34.5 10.0 46.9 12 1,600,000 1,372 136,491,318 35 3,412,206
Total 42.1 4.1 42.6 105 11,985,000 51,458 5,705,306,512 249 28,109,967
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,085 97,996,952 1 60,146
25-29 57.2 40.4 88.9 2 280,000 4,365 393,602,947 3 315,109
30-34 92.3 32.6 107.3 8 925,000 7,467 741,262,980 9 862,037
35-39 18.1 10.5 10.4 3 195,000 9,497 1,079,503,319 17 1,880,781
40-44 57.9 14.0 48.4 17 1,695,000 9,930 1,188,474,640 29 3,501,528
45-49 23.9 7.2 26.2 11 1,450,000 8,662 1,045,913,342 46 5,525,151
50-54 52.9 9.7 67.6 30 4,150,000 5,960 646,697,813 57 6,142,109
55-59 33.4 8.1 19.6 17 1,165,000 3,103 362,858,543 51 5,952,487
60+ 46.1 11.2 54.9 17 2,125,000 1,390 148,995,976 37 3,870,619
Total 42.1 4.1 42.6 105 11,985,000 51,458 5,705,306,512 249 28,109,967

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.7     MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-6 51.4 2.3 54.3 487 43,446,494 178,672 17,009,956,179 947 79,961,847
7+ 57.9 3.2 59.2 330 31,042,839 63,365 6,378,106,089 570 52,454,167
Total 53.9 1.9 56.3 817 74,489,333 242,037 23,388,062,268 1,517 132,416,013
By Issue Age
20-39 52.2 4.8 56.6 118 13,523,936 121,665 12,595,665,433 226 23,877,741
40-44 52.4 4.8 55.2 120 12,806,178 46,340 4,643,999,327 229 23,216,917
45-49 54.4 4.1 50.0 174 14,485,118 36,214 3,229,331,057 320 28,996,409
50-54 56.4 4.0 62.3 199 17,874,398 23,219 1,867,197,806 353 28,684,632
55-59 59.4 4.9 64.4 149 11,972,875 10,739 794,646,178 251 18,590,341
60+ 41.1 5.5 42.3 56 3,826,828 3,859 257,222,467 136 9,049,973
Total 53.9 1.9 56.3 817 74,489,333 242,037 23,388,062,268 1,517 132,416,013
By Attained Age
20-44 51.4 4.5 57.9 130 15,201,740 132,702 13,621,527,871 253 26,256,646
45-49 49.6 4.7 49.4 113 10,922,882 42,709 4,146,466,782 229 22,089,111
50-54 52.1 4.1 51.1 162 14,071,368 32,517 2,889,544,218 311 27,527,665
55-59 57.6 4.1 62.1 197 17,753,890 20,732 1,736,180,641 343 28,594,559
60-64 63.0 5.1 65.8 155 12,158,895 9,773 738,880,453 246 18,477,402
65+ 43.7 5.7 46.3 59 4,380,558 3,604 255,462,303 135 9,470,629
Total 53.9 1.9 56.3 817 74,489,333 242,037 23,388,062,268 1,517 132,416,013

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.8     MALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 24.8 5.7 24.2 19 1,680,000 24,933 2,218,538,944 77 6,952,712
2 52.2 8.6 52.4 36 3,176,367 20,667 1,789,279,666 70 6,065,326
3 54.1 9.3 80.6 34 4,214,995 17,615 1,460,908,307 63 5,231,664
4 56.1 9.8 52.2 33 2,300,000 16,044 1,203,849,666 59 4,408,657
5 51.7 9.8 44.1 28 1,630,000 14,024 976,549,647 54 3,692,673
6 39.0 9.2 52.6 18 1,595,167 10,922 731,960,354 46 3,030,013
7+ 64.6 8.4 66.8 59 4,322,345 15,957 1,113,089,942 92 6,466,511
Total 49.5 3.3 52.8 228 18,918,874 120,161 9,494,176,527 461 35,847,556
By Issue Age
20-39 51.9 6.8 75.1 59 6,865,000 79,168 6,059,589,441 114 9,140,311
40-44 48.6 8.1 35.7 36 2,343,995 17,601 1,603,295,139 74 6,574,616
45-49 41.1 6.6 47.0 39 3,549,467 12,656 1,040,394,509 95 7,547,341
50-54 58.6 8.1 50.1 52 3,324,045 6,828 525,962,519 89 6,637,529
55-59 48.3 8.5 47.9 32 2,081,367 3,198 212,456,238 67 4,348,770
60-64 46.8 15.6 54.1 9 755,000 648 47,015,710 19 1,395,686
65+ 0.0 0.0 0.0 0 0 63 5,462,970 2 203,304
Total 49.5 3.3 52.8 228 18,918,874 120,161 9,494,176,527 461 35,847,556
By Attained Age
20-44 49.5 6.0 63.6 69 7,461,495 87,866 6,929,376,917 140 11,739,746
45-49 42.4 7.3 36.8 34 2,531,000 15,033 1,291,600,989 80 6,876,914
50-54 53.0 7.5 52.4 49 3,812,667 9,797 765,733,900 93 7,277,649
55-59 50.2 7.8 44.6 42 2,567,045 5,017 351,584,460 83 5,749,469
60-64 53.5 10.3 58.4 27 1,846,667 2,020 125,958,773 50 3,162,074
65+ 47.4 17.9 67.2 7 700,000 428 29,921,487 15 1,041,704
Total 49.5 3.3 52.8 228 18,918,874 120,161 9,494,176,527 461 35,847,556

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.9     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.2 5.7 25.9 23 1,751,100 31,157 2,565,343,343 85 6,754,443
2 42.3 7.5 54.9 32 3,360,000 24,363 2,058,344,449 76 6,116,934
3 60.8 9.0 54.0 45 3,333,600 20,638 1,816,204,982 75 6,177,977
4 51.6 7.7 53.9 45 3,869,490 20,643 1,836,703,629 87 7,176,831
5 59.6 7.9 52.5 56 4,018,200 19,479 1,715,528,949 94 7,646,683
6 70.3 8.8 68.7 63 4,680,000 16,619 1,380,102,243 90 6,809,577
7+ 71.0 7.4 63.8 92 5,870,000 21,277 1,670,882,728 130 9,198,010
Total 56.1 3.0 53.9 357 26,882,390 154,177 13,043,110,323 636 49,880,454
By Issue Age
20-24 36.7 21.2 35.5 3 250,000 9,735 840,079,626 8 703,722
25-29 59.5 14.4 74.2 17 1,840,000 22,711 1,962,558,398 29 2,480,500
30-34 67.3 11.1 49.3 37 2,453,200 28,323 2,538,962,024 55 4,976,063
35-39 50.4 7.4 45.4 46 3,810,000 30,177 2,769,084,398 92 8,399,558
40-44 60.9 6.8 62.9 80 7,070,000 27,897 2,405,541,259 131 11,242,842
45-49 59.8 6.4 55.8 87 6,142,590 20,648 1,565,289,119 146 11,003,270
50-54 52.2 7.1 58.5 54 4,155,000 10,118 702,231,689 104 7,104,928
55-59 46.8 9.3 30.9 25 981,600 3,714 220,070,179 54 3,175,863
60+ 39.1 14.8 22.7 7 180,000 855 39,293,630 18 793,709
Total 56.1 3.0 53.9 357 26,882,390 154,177 13,043,110,323 636 49,880,454
By Attained Age
20-24 28.9 28.9 16.9 1 50,000 4,922 420,944,148 3 295,925
25-29 40.5 15.3 37.4 7 550,000 16,823 1,433,547,706 17 1,472,060
30-34 57.1 12.2 67.8 22 2,290,000 24,812 2,171,424,282 39 3,376,081
35-39 59.4 9.5 43.8 39 2,653,200 27,937 2,567,210,225 66 6,061,767
40-44 54.4 7.4 49.7 54 4,505,000 27,686 2,524,276,384 100 9,066,535
45-49 59.1 6.6 62.9 79 6,903,100 24,532 2,014,855,195 134 10,975,818
50-54 59.5 6.7 50.4 78 4,949,490 16,381 1,225,633,038 131 9,813,786
55-59 50.6 7.5 65.9 45 3,828,000 7,779 507,245,618 89 5,812,421
60-64 62.0 12.1 41.1 26 983,600 2,648 150,069,523 42 2,391,127
65+ 33.8 15.1 27.6 5 170,000 658 27,904,204 15 614,935
Total 56.1 3.0 53.9 357 26,882,390 154,177 13,043,110,323 636 49,880,454

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.10     FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.2 11.2 8.4 2 85,000 5,029 418,262,442 13 1,014,382
2 52.3 17.4 52.8 9 715,000 5,786 486,558,617 17 1,353,815
3 61.3 17.0 79.6 13 1,320,000 6,224 526,514,196 21 1,658,224
4 53.1 14.7 46.1 13 870,000 6,506 546,912,463 24 1,887,704
5 76.5 16.3 78.5 22 1,810,000 6,726 582,449,709 29 2,307,132
6 85.1 16.1 93.8 28 2,565,750 6,958 617,562,305 33 2,736,669
7+ 81.2 10.9 82.1 56 4,985,000 12,526 1,150,033,249 69 6,070,506
Total 69.3 5.8 72.5 143 12,350,750 49,756 4,328,292,981 206 17,028,431
By Issue Age
20-24 36.5 36.5 54.4 1 125,000 3,097 259,059,314 3 229,711
25-29 78.6 27.8 101.3 8 925,000 7,581 677,165,005 10 913,019
30-34 83.1 20.1 65.5 17 1,320,000 9,643 934,563,678 20 2,013,842
35-39 64.3 14.0 58.6 21 1,760,000 10,008 916,616,177 33 3,004,946
40-44 90.4 14.1 102.4 41 3,970,750 9,010 765,817,645 45 3,876,909
45-49 60.4 11.4 61.7 28 2,200,000 6,247 481,222,128 46 3,564,574
50-54 58.4 13.4 60.4 19 1,455,000 3,109 226,811,982 33 2,409,157
55+ 50.3 17.8 58.5 8 595,000 1,062 67,037,052 16 1,016,272
Total 69.3 5.8 72.5 143 12,350,750 49,756 4,328,292,981 206 17,028,431
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,178 97,615,454 1 67,672
25-29 41.2 29.1 42.4 2 175,000 4,753 405,086,623 5 412,846
30-34 59.4 22.4 67.5 7 715,000 7,685 691,536,802 12 1,058,602
35-39 89.1 20.4 83.5 19 1,680,000 9,157 865,757,449 21 2,011,168
40-44 69.5 14.5 64.5 23 1,945,000 9,335 858,023,150 33 3,014,467
45-49 83.1 13.7 90.1 37 3,370,750 8,300 701,992,202 45 3,742,367
50-54 63.6 12.0 69.6 28 2,375,000 5,625 437,802,507 44 3,411,535
55-59 51.5 12.9 48.2 16 1,070,000 2,789 200,644,841 31 2,221,665
60+ 74.5 22.5 93.7 11 1,020,000 934 69,833,952 15 1,088,109
Total 69.3 5.8 72.5 143 12,350,750 49,756 4,328,292,981 206 17,028,431

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.11     FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 53.5 2.0 59.3 711 54,551,948 251,547 19,761,898,942 1,329 91,942,199
Total 53.5 2.0 59.3 711 54,551,948 251,547 19,761,898,942 1,329 91,942,199
By Issue Age
20-39 63.8 4.8 74.9 180 18,746,302 125,047 11,112,927,758 282 25,030,919
40-44 64.0 5.3 63.5 147 11,466,048 46,447 3,641,059,223 230 18,048,444
45-49 50.9 4.2 53.3 144 10,441,229 38,552 2,654,577,928 284 19,581,579
50-54 42.6 4.0 40.4 114 6,578,908 25,455 1,542,288,104 268 16,269,113
55-59 51.9 5.6 62.8 87 5,770,588 11,471 628,424,104 168 9,187,391
60+ 39.0 6.3 40.5 38 1,548,873 4,575 182,621,825 97 3,824,752
Total 53.5 2.0 59.3 711 54,551,948 251,547 19,761,898,942 1,329 91,942,199
By Attained Age
20-49 61.6 3.3 68.3 340 30,959,102 180,122 15,267,519,054 553 45,327,128
50-54 50.7 4.3 50.5 139 9,452,600 34,755 2,381,868,247 275 18,722,260
55-59 45.4 4.2 51.4 114 7,911,565 22,353 1,373,988,076 252 15,378,776
60-64 48.9 5.5 53.2 78 4,595,651 10,261 560,837,673 159 8,631,976
65+ 42.9 6.9 42.1 39 1,633,030 4,055 177,685,892 91 3,882,060
Total 53.5 2.0 59.3 711 54,551,948 251,547 19,761,898,942 1,329 91,942,199

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 8.12     FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.1 6.0 33.1 22 1,652,500 25,521 1,748,196,971 79 4,990,488
2 59.4 9.3 55.9 41 2,390,000 21,285 1,428,150,870 69 4,277,586
3 50.1 9.0 67.8 31 2,505,000 18,295 1,185,096,868 62 3,695,119
4 92.8 12.5 92.5 55 3,025,750 17,015 1,021,553,804 59 3,270,239
5-6 69.3 8.3 71.9 69 3,680,000 26,672 1,484,874,822 100 5,120,293
7+ 72.5 9.6 69.5 57 3,072,500 16,552 950,001,562 79 4,418,181
Total 61.5 3.7 63.3 275 16,325,750 125,340 7,817,874,897 447 25,771,905
By Issue Age
20-44 67.2 5.4 65.0 153 9,661,250 101,420 6,561,831,944 228 14,853,289
45-49 64.6 8.9 66.2 52 3,037,500 11,973 691,160,620 81 4,590,594
50-54 50.0 8.4 52.0 35 1,845,000 7,300 373,758,721 70 3,547,130
55-59 47.7 9.7 66.5 24 1,385,000 3,656 153,335,647 50 2,083,539
60-64 56.7 18.9 48.3 9 287,000 888 33,274,006 16 594,426
65+ 86.6 61.2 106.9 2 110,000 103 4,513,959 2 102,928
Total 61.5 3.7 63.3 275 16,325,750 125,340 7,817,874,897 447 25,771,905
By Attained Age
20-44 65.8 6.1 62.8 118 7,491,250 92,389 6,015,532,100 179 11,919,866
45-49 57.1 8.5 64.0 45 3,015,000 14,637 881,189,733 79 4,710,008
50-54 67.5 9.3 63.4 53 2,725,000 9,977 547,268,449 79 4,297,936
55-59 55.5 9.5 55.8 34 1,567,500 5,394 250,023,844 61 2,807,883
60-64 45.0 10.9 70.9 17 1,090,000 2,405 99,628,969 38 1,537,128
65+ 71.8 25.4 87.6 8 437,000 538 24,231,802 11 499,085
Total 61.5 3.7 63.3 275 16,325,750 125,340 7,817,874,897 447 25,771,905

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 9.1     TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 50.1 2.4 53.6 454 39,379,868 208,950 17,992,119,002 905 73,408,982
2007 56.4 2.3 62.7 607 55,079,901 239,005 20,719,905,965 1,076 87,864,512
2008 53.7 2.1 55.7 670 57,221,885 265,397 23,341,820,552 1,249 102,741,937
2009 55.1 2.0 55.2 788 65,417,457 293,975 25,956,982,231 1,429 118,506,096
2010 51.6 1.8 51.0 832 68,799,054 321,471 28,433,495,842 1,614 134,850,224
Total 53.4 0.9 55.3 3,350 285,898,165 1,328,799 116,444,323,591 6,273 517,371,751

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 9.2     MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 48.8 3.2 53.5 228 22,996,510 102,559 9,902,203,705 468 43,019,395
2007 55.4 3.2 60.6 309 31,245,783 117,144 11,380,118,562 557 51,554,761
2008 50.3 2.8 49.4 326 29,824,928 129,707 12,827,449,228 647 60,315,802
2009 52.8 2.7 51.9 391 36,253,193 142,884 14,237,195,708 741 69,802,421
2010 47.5 2.4 48.5 398 38,603,287 155,248 15,534,097,988 838 79,612,460
Total 50.8 1.3 52.2 1,653 158,923,701 647,542 63,881,065,191 3,251 304,304,839

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 9.3     FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2006 51.5 3.4 53.9 225 16,383,358 106,391 8,089,915,297 437 30,389,587
2007 57.3 3.3 65.6 298 23,834,118 121,861 9,339,787,403 519 36,309,751
2008 57.3 3.1 64.6 344 27,396,957 135,690 10,514,371,324 601 42,426,135
2009 57.7 2.9 59.9 397 29,164,264 151,091 11,719,786,523 688 48,703,675
2010 55.9 2.7 54.7 434 30,195,767 166,224 12,899,397,853 776 55,237,765
Total 56.2 1.4 59.6 1,698 126,974,464 681,257 52,563,258,400 3,021 213,066,912

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.1     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.6 4.4 27.6 39 3,667,100 30,599 3,373,533,568 143 13,284,932
2 40.1 5.5 40.2 52 5,261,500 24,281 2,892,448,526 130 13,092,533
3 50.9 6.4 83.7 62 10,202,344 20,094 2,421,270,637 123 12,188,049
4 55.2 6.7 61.5 67 6,805,000 18,188 2,080,937,629 122 11,070,365
5 50.3 6.5 54.5 60 5,535,000 16,297 1,774,052,796 119 10,161,562
6 41.5 6.2 39.7 45 3,467,491 13,341 1,392,095,905 108 8,732,612
7+ 57.2 4.8 61.1 143 11,511,197 24,560 2,333,348,776 250 18,841,383
Total 47.1 2.2 53.2 469 46,449,632 147,361 16,267,687,836 995 87,371,436
By Issue Age
20-24 69.4 40.1 43.9 3 210,000 5,543 610,687,981 4 478,531
25-29 67.0 21.2 72.7 10 1,240,000 13,188 1,508,977,712 15 1,706,367
30-34 58.4 13.4 55.3 19 2,300,000 18,774 2,431,057,321 33 4,158,384
35-39 55.4 9.5 73.1 34 5,950,000 22,050 2,993,206,231 61 8,138,579
40-44 54.2 6.8 52.5 64 8,179,354 25,419 3,463,081,295 118 15,567,307
45-49 51.2 5.3 54.6 92 10,872,081 23,681 2,686,389,690 181 19,907,443
50-54 42.8 3.9 39.6 122 8,208,697 23,489 1,724,098,747 286 20,743,035
55-59 45.4 4.7 54.2 91 6,549,500 11,387 674,255,871 201 12,085,549
60-64 36.1 6.7 68.5 29 2,720,000 3,335 157,190,864 80 3,969,842
65+ 25.5 12.8 35.7 4 220,000 495 18,742,124 16 616,400
Total 47.1 2.2 53.2 469 46,449,632 147,361 16,267,687,836 995 87,371,436
By Attained Age
20-24 51.7 51.7 49.3 1 100,000 2,883 301,358,022 2 202,644
25-29 67.0 27.4 87.9 6 850,000 9,557 1,046,558,846 9 966,940
30-34 79.9 19.4 56.8 17 1,475,000 15,478 1,918,632,887 21 2,595,324
35-39 20.2 7.2 25.4 8 1,325,000 19,216 2,582,359,495 40 5,210,980
40-44 64.5 9.2 76.9 49 8,279,354 22,903 3,277,587,024 76 10,771,039
45-49 52.2 6.3 54.9 68 9,194,590 23,910 3,077,971,065 131 16,752,573
50-54 46.5 4.7 45.9 98 9,135,991 23,366 2,217,272,260 210 19,910,548
55-59 42.6 4.0 46.0 110 8,275,697 18,679 1,266,129,358 259 17,995,171
60-64 46.7 5.2 60.4 81 5,883,000 8,678 466,607,460 173 9,733,287
65+ 41.7 7.5 59.7 31 1,931,000 2,691 113,211,419 74 3,232,929
Total 47.1 2.2 53.2 469 46,449,632 147,361 16,267,687,836 995 87,371,436

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.2     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260
Total 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260
By Issue Age
20+ 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260
Total 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260
By Attained Age
20+ 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260
Total 53.0 3.2 55.3 267 26,341,821 96,541 9,294,134,646 504 47,626,260

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.3     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.2 3.2 26.8 68 4,097,500 104,033 7,153,993,886 257 15,317,089
2 55.9 4.7 61.0 143 9,328,889 95,334 6,566,453,488 256 15,300,965
3 58.7 4.9 59.2 145 8,626,224 85,119 5,776,511,153 246 14,566,481
4 63.7 5.3 69.3 147 9,155,968 75,790 4,998,081,600 231 13,220,884
5 52.1 5.0 51.8 107 5,934,727 62,366 3,991,996,668 206 11,461,544
6 67.8 6.1 72.6 122 7,219,000 49,064 3,077,032,046 180 9,945,463
7+ 63.3 4.5 65.6 196 11,282,668 67,566 4,173,609,188 310 17,204,262
Total 55.0 1.8 57.4 928 55,644,976 539,272 35,737,678,029 1,687 97,016,690
By Issue Age
20-39 56.4 3.0 57.3 360 26,029,370 383,189 27,479,713,372 639 45,407,086
40-44 53.4 3.9 53.5 183 10,667,043 77,422 4,619,152,732 343 19,946,242
45-49 56.3 3.8 61.6 217 11,488,713 53,338 2,605,850,536 385 18,645,388
50-54 56.9 5.3 62.9 114 5,500,000 18,448 800,674,046 199 8,738,582
55+ 45.2 6.1 45.8 54 1,959,850 6,875 232,287,344 120 4,279,392
Total 55.0 1.8 57.4 928 55,644,976 539,272 35,737,678,029 1,687 97,016,690
By Attained Age
20-44 55.2 2.7 56.1 417 29,595,913 418,330 29,720,832,610 756 52,735,244
45-49 51.5 3.8 55.1 186 10,649,100 66,766 3,617,132,216 360 19,328,714
50-54 56.7 4.2 58.5 185 8,811,768 37,912 1,752,592,370 326 15,074,245
55-59 62.5 6.1 72.3 105 5,089,595 12,548 516,537,989 169 7,039,938
60-64 45.0 8.3 53.9 29 1,188,600 3,314 111,356,786 65 2,203,419
65+ 52.1 21.3 48.8 6 310,000 401 19,226,058 12 635,130
Total 55.0 1.8 57.4 928 55,644,976 539,272 35,737,678,029 1,687 97,016,690

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.4     MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660
Total 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660
By Issue Age
20+ 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660
Total 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660
By Attained Age
20+ 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660
Total 52.7 4.5 48.6 135 14,224,085 45,110 5,245,284,068 256 29,240,660

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.5     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 41.9 4.3 39.7 95 5,771,750 93,061 6,840,882,069 228 14,529,862
3 61.8 7.4 62.9 69 4,477,524 40,076 2,904,438,175 112 7,119,411
4 56.3 7.3 61.8 59 3,963,608 35,603 2,493,534,563 105 6,411,068
5 46.0 7.0 41.2 43 2,275,000 29,110 1,980,882,765 94 5,520,513
6 54.5 8.1 67.6 45 3,254,000 22,794 1,521,606,145 83 4,812,252
7+ 60.9 6.4 69.2 91 6,157,345 31,671 2,106,642,687 150 8,901,224
Total 52.3 2.6 54.8 403 25,899,227 252,316 17,847,986,404 771 47,294,331
By Issue Age
20-39 53.5 4.5 57.4 141 11,510,773 180,787 13,675,772,438 264 20,047,914
40-44 49.1 5.6 47.1 76 4,645,543 36,205 2,362,253,637 155 9,873,422
45-49 55.9 5.5 63.0 104 6,188,800 24,360 1,299,938,561 187 9,822,752
50-54 59.9 7.7 56.5 61 2,787,861 8,140 395,058,210 102 4,930,461
55-59 30.8 7.7 22.7 16 456,250 2,493 97,407,930 52 2,005,760
60+ 38.4 19.2 50.5 4 310,000 331 17,555,629 10 614,022
Total 52.3 2.6 54.8 403 25,899,227 252,316 17,847,986,404 771 47,294,331
By Attained Age
20-44 51.2 4.0 53.6 161 12,632,316 197,570 14,841,395,843 315 23,549,155
45-49 50.6 5.5 55.3 84 5,341,000 30,650 1,814,556,314 165 9,665,865
50-54 58.2 6.0 62.0 94 5,068,816 17,169 871,583,243 162 8,173,527
55-59 54.5 7.9 51.5 48 2,137,095 5,403 257,002,725 88 4,150,975
60-64 38.5 10.7 39.7 13 510,000 1,349 51,772,462 34 1,283,163
65+ 45.1 26.0 44.5 3 210,000 175 11,675,818 7 471,645
Total 52.3 2.6 54.8 403 25,899,227 252,316 17,847,986,404 771 47,294,331

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.6     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.8 5.5 24.7 17 2,023,500 15,557 2,043,695,502 76 8,202,256
2 37.2 7.3 40.4 26 3,336,500 12,626 1,777,627,485 70 8,262,382
3 53.9 9.0 93.1 36 7,181,854 10,642 1,497,631,984 67 7,717,075
4 58.9 9.4 61.3 39 4,230,000 9,538 1,263,058,257 66 6,898,868
5 48.5 8.6 52.7 32 3,340,000 8,499 1,066,897,937 66 6,339,463
6 31.9 7.3 23.1 19 1,260,000 6,878 829,782,427 60 5,448,879
7+ 57.6 6.4 63.9 82 7,636,500 12,763 1,384,095,994 142 11,945,720
Total 46.0 2.9 52.9 252 29,008,354 76,503 9,862,789,586 547 54,814,642
By Issue Age
20-24 52.8 52.8 44.5 1 100,000 2,664 313,738,091 2 224,542
25-29 92.1 37.6 113.6 6 950,000 6,497 828,418,745 7 836,299
30-34 58.4 19.5 54.7 9 1,250,000 10,058 1,489,314,455 15 2,285,962
35-39 54.4 13.2 83.1 17 3,930,000 12,226 1,885,068,423 31 4,730,269
40-44 44.4 8.2 48.1 29 4,769,354 14,355 2,254,353,737 66 9,913,501
45-49 43.1 6.5 41.6 44 5,309,000 12,676 1,656,840,178 102 12,766,871
50-54 47.2 5.4 40.6 76 5,346,500 11,348 968,520,940 161 13,182,044
55-59 45.3 6.3 62.0 51 4,883,500 5,141 371,054,684 113 7,875,501
60-64 41.0 9.9 91.1 17 2,370,000 1,330 85,447,547 41 2,601,525
65+ 11.9 11.9 25.1 1 100,000 208 10,032,787 8 398,127
Total 46.0 2.9 52.9 252 29,008,354 76,503 9,862,789,586 547 54,814,642
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,339 151,388,363 1 96,321
25-29 106.3 53.2 164.1 4 750,000 4,559 554,015,496 4 456,925
30-34 62.4 25.5 34.8 6 475,000 7,997 1,130,846,456 10 1,365,785
35-39 15.9 9.2 21.5 3 625,000 10,463 1,613,294,481 19 2,911,774
40-44 80.0 14.1 103.2 32 6,759,354 12,991 2,111,290,665 40 6,546,899
45-49 32.7 6.7 33.8 24 3,649,000 13,491 1,987,746,996 74 10,801,766
50-54 41.5 6.0 39.3 48 4,926,000 11,838 1,296,502,085 116 12,524,849
55-59 49.3 5.8 50.2 72 5,810,000 8,844 701,786,104 147 11,579,062
60-64 43.8 6.7 68.7 43 4,468,000 3,882 258,830,440 98 6,507,869
65+ 48.1 11.0 76.4 19 1,546,000 1,098 57,088,499 39 2,023,393
Total 46.0 2.9 52.9 252 29,008,354 76,503 9,862,789,586 547 54,814,642

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.7     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 53.2 4.6 65.9 132 12,117,736 51,431 4,048,850,578 249 18,385,600
Total 53.2 4.6 65.9 132 12,117,736 51,431 4,048,850,578 249 18,385,600
By Issue Age
20-44 66.0 8.2 81.0 64 6,735,000 35,221 2,948,925,466 97 8,319,078
45-49 57.2 9.9 64.4 33 2,864,200 8,401 630,103,604 58 4,448,605
50+ 37.4 6.3 44.8 35 2,518,536 7,810 469,821,509 94 5,617,917
Total 53.2 4.6 65.9 132 12,117,736 51,431 4,048,850,578 249 18,385,600
By Attained Age
20-59 54.7 5.0 66.5 118 10,957,736 49,564 3,937,886,251 216 16,484,821
60-64 53.1 15.3 78.9 12 1,125,000 1,415 89,482,120 23 1,425,841
65+ 20.0 14.2 7.4 2 35,000 453 21,482,207 10 474,938
Total 53.2 4.6 65.9 132 12,117,736 51,431 4,048,850,578 249 18,385,600

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.8     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 23.7 4.0 27.1 34 2,207,500 55,732 3,607,331,491 145 8,160,701
2 57.6 6.4 68.7 81 5,447,139 50,574 3,272,233,814 141 7,927,492
3 56.2 6.5 55.7 75 4,148,700 45,043 2,872,072,978 134 7,447,071
4 70.0 7.5 76.2 88 5,192,360 40,187 2,504,547,037 126 6,809,816
5 57.2 7.1 61.6 64 3,659,727 33,257 2,011,113,903 112 5,941,031
6 79.1 9.0 77.2 77 3,965,000 26,270 1,555,425,901 98 5,133,211
7+ 65.4 6.4 61.7 105 5,125,323 35,895 2,066,966,501 160 8,303,038
Total 57.3 2.5 59.8 525 29,745,749 286,957 17,889,691,625 916 49,722,359
By Issue Age
20-39 58.5 3.9 57.3 219 14,518,597 202,402 13,803,940,934 375 25,359,172
40-44 57.0 5.5 59.8 107 6,021,500 41,217 2,256,899,095 188 10,072,820
45-49 56.8 5.4 60.1 112 5,299,913 28,978 1,305,911,974 198 8,822,636
50+ 55.9 6.0 71.4 87 3,905,739 14,360 522,939,621 155 5,467,731
Total 57.3 2.5 59.8 525 29,745,749 286,957 17,889,691,625 916 49,722,359
By Attained Age
20-44 58.1 3.6 58.1 256 16,963,597 220,760 14,879,436,768 441 29,186,089
45-49 52.3 5.2 54.9 102 5,308,100 36,116 1,802,575,902 195 9,662,848
50-54 55.3 5.8 54.2 90 3,742,952 20,743 881,009,127 163 6,900,718
55-59 71.1 9.4 102.2 57 2,952,500 7,145 259,535,264 81 2,888,963
60+ 53.5 12.2 71.8 19 778,600 2,192 67,134,564 36 1,083,741
Total 57.3 2.5 59.8 525 29,745,749 286,957 17,889,691,625 916 49,722,359

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.9     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.9 7.0 32.3 22 1,643,600 15,042 1,329,838,066 67 5,082,676
2 43.4 8.5 39.9 26 1,925,000 11,656 1,114,821,040 60 4,830,152
3 47.3 9.2 67.6 26 3,020,490 9,452 923,638,653 56 4,470,975
4 50.8 9.6 61.7 28 2,575,000 8,650 817,879,372 55 4,171,496
5 52.5 9.9 57.4 28 2,195,000 7,798 707,154,859 53 3,822,099
6 53.3 10.5 67.2 26 2,207,491 6,463 562,313,478 49 3,283,733
7+ 56.6 7.2 56.2 61 3,874,697 11,797 949,252,782 108 6,895,663
Total 48.5 3.3 53.6 218 17,441,278 70,858 6,404,898,250 448 32,556,794
By Issue Age
20-24 82.3 58.2 43.3 2 110,000 2,879 296,949,891 2 253,989
25-29 47.5 23.7 33.3 4 290,000 6,690 680,558,968 8 870,067
30-34 58.4 18.5 56.1 10 1,050,000 8,717 941,742,866 17 1,872,422
35-39 56.5 13.7 59.3 17 2,020,000 9,823 1,108,137,807 30 3,408,310
40-44 66.4 11.2 60.3 35 3,410,000 11,065 1,208,727,558 53 5,653,806
45-49 61.8 8.9 77.9 48 5,563,081 11,005 1,029,549,512 78 7,140,572
50-54 37.0 5.4 37.9 46 2,862,197 12,141 755,577,806 125 7,560,990
55-59 45.4 7.2 39.6 40 1,666,000 6,246 303,201,187 89 4,210,048
60-64 30.9 8.9 25.6 12 350,000 2,005 71,743,318 39 1,368,317
65+ 41.4 23.9 55.0 3 120,000 287 8,709,337 7 218,273
Total 48.5 3.3 53.6 218 17,441,278 70,858 6,404,898,250 448 32,556,794
By Attained Age
20-24 91.8 91.8 94.1 1 100,000 1,544 149,969,659 1 106,323
25-29 38.5 27.3 19.6 2 100,000 4,998 492,543,350 5 510,015
30-34 94.3 28.4 81.3 11 1,000,000 7,481 787,786,432 12 1,229,539
35-39 24.1 10.8 30.4 5 700,000 8,753 969,065,014 21 2,299,206
40-44 47.3 11.5 36.0 17 1,520,000 9,912 1,166,296,358 36 4,224,140
45-49 77.3 11.6 93.2 44 5,545,590 10,419 1,090,224,069 57 5,950,808
50-54 52.7 7.5 57.0 49 4,209,991 11,528 920,770,175 93 7,385,699
55-59 33.8 5.5 38.4 38 2,465,697 9,836 564,343,254 113 6,416,110
60-64 50.4 8.2 43.9 38 1,415,000 4,795 207,777,020 75 3,225,418
65+ 34.4 9.9 31.8 12 385,000 1,593 56,122,919 35 1,209,536
Total 48.5 3.3 53.6 218 17,441,278 70,858 6,404,898,250 448 32,556,794

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.10     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 58.8 13.4 48.5 19 720,000 15,047 839,525,130 32 1,485,338
2 76.9 15.7 77.9 24 1,105,000 13,277 732,607,537 31 1,417,977
3 83.0 16.9 91.8 24 1,205,000 11,559 626,162,104 29 1,312,266
4 82.6 17.6 111.9 22 1,282,870 9,987 519,002,458 27 1,146,938
5 56.2 15.6 73.4 13 715,000 8,087 407,799,647 23 973,776
6 113.0 24.1 108.2 22 885,000 6,167 300,365,736 19 817,688
7+ 95.2 17.1 95.2 31 1,305,000 8,198 384,920,278 33 1,371,483
Total 79.8 6.4 84.7 155 7,217,870 72,323 3,810,382,889 195 8,525,465
By Issue Age
20-39 76.0 9.6 74.8 63 3,449,870 54,515 3,143,455,735 83 4,615,119
40-44 88.5 14.8 95.8 36 1,630,000 9,308 398,037,018 41 1,702,316
45-49 85.0 13.9 118.5 37 1,703,000 6,181 204,254,333 44 1,437,238
50+ 69.8 16.0 56.4 19 435,000 2,319 64,635,803 27 770,792
Total 79.8 6.4 84.7 155 7,217,870 72,323 3,810,382,889 195 8,525,465
By Attained Age
20-44 71.7 8.6 69.7 70 3,674,870 58,961 3,343,744,120 98 5,269,426
45-49 103.9 15.6 142.8 44 2,263,000 7,891 298,850,185 43 1,585,094
50-54 71.7 14.1 76.7 26 875,000 4,229 132,880,287 36 1,141,096
55-59 96.8 26.7 96.0 13 370,000 1,008 28,179,358 14 385,412
60-64 48.1 34.0 27.6 2 35,000 211 6,028,816 4 126,715
65+ 0.0 0.0 0.0 0 0 22 700,123 1 17,722
Total 79.8 6.4 84.7 155 7,217,870 72,323 3,810,382,889 195 8,525,465

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.11     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 54.2 24.0 129.2 5 876,000 2,427 212,285,868 9 677,913
2 60.8 27.2 89.1 5 560,000 1,783 169,243,544 8 628,770
3 90.1 34.1 49.7 7 285,000 1,428 133,866,564 8 572,912
4 49.9 25.0 40.7 4 220,000 1,316 117,243,260 8 540,480
5 115.1 38.4 165.0 9 790,000 1,145 96,943,537 8 478,923
6 74.9 33.5 66.9 5 260,000 898 74,591,570 7 388,890
7+ 77.1 24.4 87.0 10 630,000 1,500 117,991,293 13 723,801
Total 74.1 11.0 90.3 45 3,621,000 10,498 922,165,636 61 4,011,689
By Issue Age
20-24 0.0 0.0 0.0 0 0 635 57,473,621 0 45,633
25-29 150.0 106.0 100.8 2 140,000 1,224 128,285,196 1 138,914
30-34 80.8 57.1 216.5 2 550,000 1,518 155,315,858 2 254,025
35-39 117.4 52.5 115.2 5 500,000 1,592 162,033,473 4 434,215
40-44 38.1 22.0 68.1 3 550,000 1,717 184,863,334 8 807,846
45-49 96.2 30.4 115.8 10 1,115,000 1,412 133,763,975 10 963,085
50-54 43.8 15.4 40.2 8 321,000 1,573 69,944,609 19 797,791
55-59 90.6 28.6 70.8 10 310,000 644 25,304,078 11 437,602
60+ 111.4 49.8 101.8 5 135,000 182 5,181,492 4 132,578
Total 74.1 11.0 90.3 45 3,621,000 10,498 922,165,636 61 4,011,689
By Attained Age
20-24 0.0 0.0 0.0 0 0 329 25,413,876 0 16,850
25-29 111.2 111.2 97.9 1 90,000 993 103,583,400 1 91,936
30-34 113.4 80.2 114.5 2 200,000 1,321 131,489,624 2 174,735
35-39 0.0 0.0 0.0 0 0 1,460 150,972,187 3 293,107
40-44 133.9 50.6 198.3 7 1,150,000 1,601 178,186,681 5 580,059
45-49 81.4 30.8 130.5 7 1,175,000 1,581 166,294,597 9 900,069
50-54 43.5 17.6 28.5 6 261,000 1,542 102,186,515 14 916,573
55-59 65.6 20.7 69.4 10 460,000 1,101 46,716,148 15 662,692
60-64 116.0 36.7 71.1 10 200,000 445 14,167,190 9 281,153
65+ 58.6 41.4 89.9 2 85,000 126 3,155,419 3 94,515
Total 74.1 11.0 90.3 45 3,621,000 10,498 922,165,636 61 4,011,689

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.12     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 93.1 14.0 86.3 44 2,046,000 22,281 1,334,483,066 47 2,371,400
4 90.5 26.1 154.0 12 960,000 5,400 305,082,309 13 623,379
5 34.9 17.4 49.3 4 260,000 4,328 238,794,904 11 526,980
6 83.0 29.4 89.0 8 400,000 3,252 174,978,189 10 449,672
7+ 88.0 22.7 93.6 15 760,000 4,304 226,899,968 17 812,283
Total 84.1 9.2 92.5 83 4,426,000 39,565 2,280,238,436 99 4,783,713
By Issue Age
20-44 91.3 12.2 96.2 56 3,335,000 35,428 2,131,386,527 61 3,468,186
45-49 74.2 18.0 97.9 17 831,000 3,074 114,758,776 23 849,135
50-54 66.5 25.2 62.6 7 205,000 877 27,968,464 11 327,694
55+ 77.5 44.0 39.7 3 55,000 186 6,124,669 4 138,698
Total 84.1 9.2 92.5 83 4,426,000 39,565 2,280,238,436 99 4,783,713
By Attained Age
20-49 90.7 11.4 98.3 63 3,706,000 36,943 2,188,658,095 70 3,768,564
50-54 72.9 19.5 80.9 14 540,000 2,054 71,919,465 19 667,266
55-59 68.0 30.1 62.0 5 155,000 467 15,823,144 8 249,901
60-64 42.7 42.7 28.3 1 25,000 94 3,542,609 2 88,411
65+ 0.0 0.0 0.0 0 0 7 295,123 0 9,571
Total 84.1 9.2 92.5 83 4,426,000 39,565 2,280,238,436 99 4,783,713

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.13     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 57.1 32.5 171.7 3 761,000 1,451 144,094,468 5 443,271
2 40.7 28.8 73.8 2 300,000 1,081 113,400,675 5 406,243
3 151.6 57.3 76.9 7 285,000 865 88,736,231 5 370,763
4 21.3 21.3 28.2 1 100,000 789 77,599,667 5 355,004
5 131.4 53.6 178.5 6 575,000 685 64,889,678 5 322,061
6 51.8 36.6 38.5 2 100,000 532 49,999,771 4 259,804
7+ 68.9 30.8 118.1 5 555,000 849 76,751,069 7 470,117
Total 73.9 14.5 101.9 26 2,676,000 6,250 615,471,558 35 2,627,263
By Issue Age
20-24 0.0 0.0 0.0 0 0 340 33,088,103 0 23,779
25-29 0.0 0.0 0.0 0 0 740 82,679,767 1 82,031
30-34 67.2 67.2 238.4 1 400,000 997 111,684,702 1 167,785
35-39 155.0 77.5 122.9 4 350,000 1,038 113,312,785 3 284,892
40-44 39.3 27.8 79.9 2 450,000 1,137 132,278,959 5 563,248
45-49 89.9 36.7 132.7 6 880,000 873 88,715,967 7 663,389
50-54 67.1 25.2 63.7 7 311,000 791 37,831,998 11 488,308
55-59 70.6 35.3 92.6 4 250,000 265 13,215,978 6 269,847
60+ 87.9 62.2 41.7 2 35,000 69 2,663,300 2 83,985
Total 73.9 14.5 101.9 26 2,676,000 6,250 615,471,558 35 2,627,263
By Attained Age
20-24 0.0 0.0 0.0 0 0 169 14,308,729 0 8,960
25-29 0.0 0.0 0.0 0 0 582 65,726,593 0 53,497
30-34 0.0 0.0 0.0 0 0 822 89,108,308 1 109,074
35-39 0.0 0.0 0.0 0 0 970 108,134,540 2 191,027
40-44 182.4 74.5 259.5 6 1,000,000 1,065 124,592,818 3 385,306
45-49 70.9 35.4 145.6 4 925,000 1,041 117,720,336 6 635,135
50-54 60.1 26.6 36.0 5 211,000 863 60,910,927 8 585,505
55-59 82.7 31.2 93.7 7 405,000 513 26,536,831 8 432,218
60-64 68.3 39.4 67.1 3 110,000 178 6,766,537 4 164,013
65+ 56.7 56.7 40.0 1 25,000 47 1,665,939 2 62,528
Total 73.9 14.5 101.9 26 2,676,000 6,250 615,471,558 35 2,627,263

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.14     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.5 14.1 33.6 5 220,000 6,534 325,237,502 16 653,947
2 52.7 18.6 57.6 8 355,000 5,852 287,358,479 15 616,149
3 70.3 22.1 71.2 10 409,000 5,215 251,215,723 14 574,085
4 74.8 23.6 61.7 10 322,870 4,587 213,920,148 13 523,560
5 77.1 25.7 101.8 9 455,000 3,759 169,004,744 12 446,796
6 142.2 38.0 131.8 14 485,000 2,915 125,387,547 10 368,015
7+ 103.2 25.8 97.5 16 545,000 3,894 158,020,310 15 559,200
Total 75.3 8.9 74.6 72 2,791,870 32,758 1,530,144,453 96 3,741,752
By Issue Age
20-29 83.4 25.1 68.3 11 475,000 12,076 643,726,769 13 695,881
30-34 56.7 21.4 34.0 7 217,870 6,385 335,991,529 12 641,563
35-39 73.4 21.2 72.6 12 552,000 5,507 263,175,270 16 760,560
40-44 63.9 17.7 66.6 13 500,000 4,428 167,212,659 20 751,245
45-49 96.9 21.6 148.3 20 872,000 3,107 89,495,557 21 588,103
50+ 70.2 23.4 57.5 9 175,000 1,256 30,542,670 13 304,400
Total 75.3 8.9 74.6 72 2,791,870 32,758 1,530,144,453 96 3,741,752
By Attained Age
20-24 69.6 69.6 33.7 1 25,000 2,055 106,384,613 1 74,242
25-34 66.2 14.8 51.6 20 814,870 18,987 1,007,740,312 30 1,580,350
40-44 63.0 19.0 61.2 11 450,000 4,905 209,648,837 17 735,564
45-49 88.9 20.3 135.4 19 942,000 3,961 130,162,447 21 695,801
50-54 70.3 20.3 70.7 12 335,000 2,176 60,960,822 17 473,830
55-59 132.7 46.9 158.7 8 215,000 541 12,356,215 6 135,511
60-64 55.0 55.0 26.1 1 10,000 117 2,486,207 2 38,304
65+ 0.0 0.0 0.0 0 0 15 405,000 0 8,151
Total 75.3 8.9 74.6 72 2,791,870 32,758 1,530,144,453 96 3,741,752

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.15     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 50.2 35.5 49.0 2 115,000 976 68,191,400 4 234,641
2 90.6 52.3 116.8 3 260,000 702 55,842,869 3 222,528
3 0.0 0.0 0.0 0 0 563 45,130,333 3 202,149
4 90.4 52.2 64.7 3 120,000 527 39,643,593 3 185,476
5 92.2 53.3 137.1 3 215,000 461 32,053,859 3 156,862
6 106.6 61.5 123.9 3 160,000 367 24,591,799 3 129,086
7+ 87.6 39.2 29.6 5 75,000 652 41,240,224 6 253,684
Total 74.4 17.1 68.3 19 945,000 4,247 306,694,078 26 1,384,426
By Issue Age
20-24 0.0 0.0 0.0 0 0 294 24,385,519 0 21,854
25-29 334.9 236.8 246.1 2 140,000 484 45,605,429 1 56,883
30-34 101.2 101.2 173.9 1 150,000 522 43,631,155 1 86,240
35-39 59.5 59.5 100.5 1 150,000 553 48,720,687 2 149,323
40-44 35.8 35.8 40.9 1 100,000 580 52,584,376 3 244,598
45-49 107.4 53.7 78.4 4 235,000 540 45,048,008 4 299,697
50-54 12.6 12.6 3.2 1 10,000 782 32,112,611 8 309,483
55+ 118.6 39.5 74.0 9 160,000 493 14,606,293 8 216,349
Total 74.4 17.1 68.3 19 945,000 4,247 306,694,078 26 1,384,426
By Attained Age
20-24 0.0 0.0 0.0 0 0 161 11,105,148 0 7,890
25-29 237.6 237.6 234.1 1 90,000 410 37,856,807 0 38,438
30-34 259.6 183.6 304.6 2 200,000 499 42,381,316 1 65,661
35-39 0.0 0.0 0.0 0 0 490 42,837,647 1 102,080
40-44 51.6 51.6 77.0 1 150,000 536 53,593,863 2 194,753
45-49 101.7 58.7 94.4 3 250,000 540 48,574,260 3 264,934
50-54 18.1 18.1 15.1 1 50,000 678 41,275,588 6 331,068
55-59 44.2 25.5 23.9 3 55,000 587 20,179,317 7 230,474
60+ 136.1 48.1 100.6 8 150,000 346 8,890,132 6 149,127
Total 74.4 17.1 68.3 19 945,000 4,247 306,694,078 26 1,384,426

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.16     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 50.3 3.3 53.0 232 23,817,736 86,422 8,640,119,628 461 44,898,240
Total 50.3 3.3 53.0 232 23,817,736 86,422 8,640,119,628 461 44,898,240
By Issue Age
20-39 56.1 8.4 68.6 44 5,850,000 41,178 4,290,764,654 79 8,523,981
40+ 49.2 3.6 49.4 188 17,967,736 45,244 4,349,354,974 382 36,374,259
Total 50.3 3.3 53.0 232 23,817,736 86,422 8,640,119,628 461 44,898,240
By Attained Age
20+ 50.3 3.3 53.0 232 23,817,736 86,422 8,640,119,628 461 44,898,240
Total 50.3 3.3 53.0 232 23,817,736 86,422 8,640,119,628 461 44,898,240

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.17     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 21.5 3.1 24.4 48 3,377,500 88,986 6,314,468,755 225 13,831,751
2 53.0 4.9 59.2 119 8,223,889 82,057 5,833,845,952 225 13,882,989
3 55.5 5.1 56.0 121 7,421,224 73,560 5,150,349,049 217 13,254,216
4 61.3 5.5 65.2 125 7,873,098 65,803 4,479,079,143 204 12,073,946
5 51.6 5.3 49.8 94 5,219,727 54,279 3,584,197,021 183 10,487,768
6 62.3 6.2 69.4 100 6,334,000 42,897 2,776,666,310 161 9,127,776
7+ 59.5 4.6 63.0 165 9,977,668 59,368 3,788,688,910 278 15,832,780
Total 51.8 1.9 54.7 773 48,427,106 466,949 31,927,295,140 1,492 88,491,225
By Issue Age
20-39 53.5 3.1 55.4 297 22,579,500 328,674 24,336,257,636 556 40,791,967
40-44 48.7 4.0 49.5 147 9,037,043 68,114 4,221,115,714 302 18,243,926
45-49 52.6 3.9 56.9 180 9,785,713 47,157 2,401,596,203 341 17,208,150
50-54 55.3 5.5 63.3 100 5,180,000 16,586 747,547,093 180 8,182,282
55+ 43.8 6.2 45.4 49 1,844,850 6,418 220,778,494 113 4,064,900
Total 51.8 1.9 54.7 773 48,427,106 466,949 31,927,295,140 1,492 88,491,225
By Attained Age
20-44 52.8 2.8 54.6 347 25,921,043 359,369 26,377,088,491 658 47,465,818
45-49 44.5 3.7 47.3 142 8,386,100 58,875 3,318,282,031 318 17,743,619
50-54 54.9 4.4 57.0 159 7,936,768 33,683 1,619,712,083 289 13,933,149
55-59 59.5 6.2 70.9 92 4,719,595 11,539 488,358,631 155 6,654,526
60-64 44.8 8.6 55.5 27 1,153,600 3,103 105,327,970 60 2,076,704
65+ 54.5 22.2 50.2 6 310,000 380 18,525,935 11 617,409
Total 51.8 1.9 54.7 773 48,427,106 466,949 31,927,295,140 1,492 88,491,225

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.18     TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING 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 4.4 22.1 34 2,791,100 28,173 3,161,247,700 133 12,607,019
2 38.7 5.6 37.7 47 4,701,500 22,499 2,723,204,982 122 12,463,763
3 48.2 6.5 85.4 56 9,917,344 18,666 2,287,404,072 115 11,615,137
4 55.6 7.0 62.5 63 6,585,000 16,872 1,963,694,369 114 10,529,885
5 45.7 6.4 49.0 51 4,745,000 15,152 1,677,109,259 111 9,682,639
6 39.3 6.2 38.4 40 3,207,491 12,442 1,317,504,335 102 8,343,722
7+ 56.1 4.9 60.1 133 10,881,197 23,060 2,215,357,483 237 18,117,583
Total 45.4 2.2 51.4 424 42,828,632 136,864 15,345,522,200 935 83,359,747
By Issue Age
20-24 78.2 45.2 48.5 3 210,000 4,908 553,214,360 4 432,899
25-29 58.8 20.8 70.2 8 1,100,000 11,963 1,380,692,516 14 1,567,453
30-34 56.6 13.7 44.8 17 1,750,000 17,256 2,275,741,463 30 3,904,359
35-39 50.8 9.4 70.7 29 5,450,000 20,458 2,831,172,758 57 7,704,364
40-44 55.3 7.1 51.7 61 7,629,354 23,702 3,278,217,960 110 14,759,461
45-49 48.4 5.3 51.5 82 9,757,081 22,269 2,552,625,715 170 18,944,358
50-54 42.7 4.0 39.5 114 7,887,697 21,917 1,654,154,138 268 19,945,244
55-59 42.7 4.7 53.6 81 6,239,500 10,742 648,951,792 190 11,647,947
60-64 32.7 6.5 68.6 25 2,645,000 3,169 152,499,892 76 3,855,898
65+ 19.9 11.5 26.8 3 160,000 480 18,251,604 15 597,766
Total 45.4 2.2 51.4 424 42,828,632 136,864 15,345,522,200 935 83,359,747
By Attained Age
20-24 58.1 58.1 53.8 1 100,000 2,553 275,944,146 2 185,794
25-29 62.1 27.8 86.9 5 760,000 8,564 942,975,446 8 875,005
30-34 76.9 19.8 52.7 15 1,275,000 14,157 1,787,143,263 20 2,420,589
35-39 21.8 7.7 26.9 8 1,325,000 17,756 2,431,387,308 37 4,917,873
40-44 59.4 9.2 70.0 42 7,129,354 21,302 3,099,400,343 71 10,190,980
45-49 50.1 6.4 50.6 61 8,019,590 22,329 2,911,676,469 122 15,852,505
50-54 46.7 4.9 46.7 91 8,874,991 21,824 2,115,085,745 196 18,993,975
55-59 41.1 4.1 45.1 100 7,815,697 17,579 1,219,413,210 244 17,332,479
60-64 43.1 5.1 60.1 71 5,683,000 8,233 452,440,271 165 9,452,135
65+ 40.9 7.6 58.8 29 1,846,000 2,565 110,055,999 71 3,138,414
Total 45.4 2.2 51.4 424 42,828,632 136,864 15,345,522,200 935 83,359,747

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.19     MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095
Total 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095
By Issue Age
20+ 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095
Total 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095
By Attained Age
20+ 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095
Total 51.0 4.7 46.9 119 12,883,000 39,850 4,831,759,871 233 27,454,095

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.20     MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 19.9 4.6 22.0 19 1,390,000 39,789 3,032,374,766 96 6,324,998
2 46.6 6.8 47.7 46 3,131,750 37,335 2,848,970,617 99 6,571,646
3 56.7 7.6 57.7 55 3,681,524 33,732 2,529,491,794 98 6,381,230
4 51.3 7.5 51.9 47 3,003,608 30,204 2,188,452,254 92 5,787,690
5 47.5 7.6 40.4 39 2,015,000 24,782 1,742,087,861 82 4,993,534
6 50.7 8.3 65.4 37 2,854,000 19,542 1,346,627,957 73 4,362,580
7+ 57.5 6.6 66.7 76 5,397,345 27,368 1,879,742,718 133 8,088,941
Total 47.6 2.7 50.5 320 21,473,227 212,751 15,567,747,968 672 42,510,618
By Issue Age
20-39 48.5 4.7 53.1 108 9,305,773 150,240 11,775,210,270 223 17,530,799
40-44 39.4 5.4 39.4 53 3,515,543 31,325 2,131,429,277 135 8,922,351
45-49 53.3 5.7 59.7 87 5,357,800 21,286 1,185,179,785 164 8,973,618
50-54 59.2 8.0 56.1 54 2,582,861 7,263 367,089,746 92 4,602,767
55-59 26.7 7.4 21.3 13 401,250 2,322 92,047,630 49 1,887,340
60+ 39.9 19.9 52.2 4 310,000 316 16,791,260 10 593,744
Total 47.6 2.7 50.5 320 21,473,227 212,751 15,567,747,968 672 42,510,618
By Attained Age
20-44 46.2 4.2 49.6 123 10,247,316 164,557 12,821,425,485 266 20,669,884
45-49 40.5 5.3 45.8 58 4,020,000 26,720 1,645,868,576 144 8,776,572
50-54 56.2 6.3 60.3 80 4,528,816 15,116 799,663,778 143 7,506,261
55-59 53.3 8.1 50.8 43 1,982,095 4,936 241,179,581 81 3,901,074
60-64 38.1 11.0 40.6 12 485,000 1,254 48,229,853 31 1,194,752
65+ 46.6 26.9 45.4 3 210,000 169 11,380,695 6 462,074
Total 47.6 2.7 50.5 320 21,473,227 212,751 15,567,747,968 672 42,510,618

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.21     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.1 5.4 16.3 14 1,262,500 14,107 1,899,601,034 70 7,758,985
2 36.9 7.5 38.7 24 3,036,500 11,545 1,664,226,811 65 7,856,139
3 46.6 8.6 93.9 29 6,896,854 9,777 1,408,895,753 63 7,346,312
4 61.7 10.0 63.1 38 4,130,000 8,749 1,185,458,591 62 6,543,864
5 42.3 8.3 46.0 26 2,765,000 7,814 1,002,008,259 61 6,017,402
6 30.5 7.4 22.4 17 1,160,000 6,347 779,782,656 56 5,189,075
7+ 57.0 6.5 61.7 77 7,081,500 11,915 1,307,344,925 135 11,475,603
Total 44.1 2.9 50.5 226 26,332,354 70,252 9,247,318,028 512 52,187,380
By Issue Age
20-24 60.4 60.4 49.8 1 100,000 2,323 280,649,988 2 200,764
25-29 103.9 42.4 125.9 6 950,000 5,757 745,738,978 6 754,269
30-34 57.5 20.3 40.1 8 850,000 9,061 1,377,629,753 14 2,118,177
35-39 45.4 12.6 80.5 13 3,580,000 11,188 1,771,755,638 29 4,445,377
40-44 44.8 8.6 46.2 27 4,319,354 13,217 2,122,074,778 60 9,350,253
45-49 39.9 6.5 36.6 38 4,429,000 11,804 1,568,124,211 96 12,103,483
50-54 45.8 5.5 39.7 69 5,035,500 10,557 930,688,942 151 12,693,736
55-59 44.0 6.4 60.9 47 4,633,500 4,875 357,838,705 107 7,605,654
60-64 37.7 9.7 92.1 15 2,335,000 1,277 83,235,587 40 2,535,241
65+ 12.8 12.8 26.3 1 100,000 193 9,581,447 8 380,426
Total 44.1 2.9 50.5 226 26,332,354 70,252 9,247,318,028 512 52,187,380
By Attained Age
20-24 0.0 0.0 0.0 0 0 1,171 137,079,634 1 87,361
25-29 121.8 60.9 185.9 4 750,000 3,976 488,288,904 3 403,428
30-34 69.6 28.4 37.8 6 475,000 7,175 1,041,738,148 9 1,256,711
35-39 17.5 10.1 23.0 3 625,000 9,493 1,505,159,941 17 2,720,747
40-44 70.9 13.9 93.5 26 5,759,354 11,926 1,986,697,847 37 6,161,593
45-49 29.5 6.6 26.8 20 2,724,000 12,450 1,870,026,660 68 10,166,631
50-54 40.0 6.1 39.5 43 4,715,000 10,975 1,235,591,157 108 11,939,344
55-59 47.2 5.8 48.5 65 5,405,000 8,330 675,249,273 138 11,146,844
60-64 42.7 6.7 68.7 40 4,358,000 3,705 252,063,903 94 6,343,856
65+ 47.7 11.2 77.6 18 1,521,000 1,051 55,422,560 38 1,960,865
Total 44.1 2.9 50.5 226 26,332,354 70,252 9,247,318,028 512 52,187,380

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.22     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-7+ 49.6 4.7 62.7 113 10,934,736 46,572 3,808,359,757 228 17,444,145
Total 49.6 4.7 62.7 113 10,934,736 46,572 3,808,359,757 228 17,444,145
By Issue Age
20-39 63.8 11.6 102.5 30 4,440,000 22,633 2,003,658,036 47 4,331,856
40-44 65.6 12.6 51.8 27 1,820,000 9,049 756,245,732 41 3,511,874
45-49 43.4 9.0 52.3 23 2,231,200 7,716 603,121,768 53 4,262,875
50+ 38.1 6.6 45.8 33 2,443,536 7,174 445,334,221 87 5,337,540
Total 49.6 4.7 62.7 113 10,934,736 46,572 3,808,359,757 228 17,444,145
By Attained Age
20+ 49.6 4.7 62.7 113 10,934,736 46,572 3,808,359,757 228 17,444,145
Total 49.6 4.7 62.7 113 10,934,736 46,572 3,808,359,757 228 17,444,145

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.23     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.7 4.2 26.5 29 1,987,500 49,197 3,282,093,989 129 7,506,754
2 58.2 6.8 69.6 73 5,092,139 44,722 2,984,875,334 126 7,311,343
3 54.5 6.7 54.4 65 3,739,700 39,828 2,620,857,255 120 6,872,986
4 69.4 7.9 77.5 78 4,869,490 35,599 2,290,626,889 112 6,286,256
5 54.9 7.4 58.3 55 3,204,727 29,497 1,842,109,159 101 5,494,234
6 72.0 9.1 73.0 63 3,480,000 23,354 1,430,038,353 88 4,765,196
7+ 61.4 6.5 59.1 89 4,580,323 32,000 1,908,946,192 145 7,743,838
Total 55.3 2.6 58.6 453 26,953,879 254,199 16,359,547,172 820 45,980,607
By Issue Age
20-39 56.8 4.1 57.1 189 13,273,727 178,434 12,561,047,367 333 23,261,168
40-44 56.1 5.8 59.2 94 5,521,500 36,789 2,089,686,437 167 9,321,575
45-49 52.1 5.4 53.8 92 4,427,913 25,871 1,216,416,418 177 8,234,532
50+ 54.6 6.2 72.3 78 3,730,739 13,104 492,396,951 142 5,163,332
Total 55.3 2.6 58.6 453 26,953,879 254,199 16,359,547,172 820 45,980,607
By Attained Age
20+ 55.3 2.6 58.6 453 26,953,879 254,199 16,359,547,172 820 45,980,607
Total 55.3 2.6 58.6 453 26,953,879 254,199 16,359,547,172 820 45,980,607

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 10.24     FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.9 7.1 31.5 20 1,528,600 14,066 1,261,646,666 63 4,848,034
2 40.6 8.5 36.1 23 1,665,000 10,954 1,058,978,171 57 4,607,624
3 50.1 9.8 70.8 26 3,020,490 8,889 878,508,320 53 4,268,826
4 48.3 9.7 61.6 25 2,455,000 8,123 778,235,779 52 3,986,021
5 49.9 10.0 54.0 25 1,980,000 7,338 675,101,000 50 3,665,236
6 50.1 10.4 64.9 23 2,047,491 6,096 537,721,679 46 3,154,647
7+ 54.9 7.3 57.2 56 3,799,697 11,145 908,012,558 102 6,641,979
Total 47.0 3.3 52.9 199 16,496,278 66,611 6,098,204,172 423 31,172,368
By Issue Age
20-24 91.8 64.9 47.4 2 110,000 2,585 272,564,372 2 232,135
25-29 25.6 18.1 18.4 2 150,000 6,206 634,953,538 8 813,184
30-34 55.8 18.6 50.4 9 900,000 8,195 898,111,711 16 1,786,182
35-39 56.3 14.1 57.4 16 1,870,000 9,270 1,059,417,120 28 3,258,987
40-44 68.1 11.7 61.2 34 3,310,000 10,485 1,156,143,182 50 5,409,208
45-49 59.5 8.9 77.9 44 5,328,081 10,465 984,501,504 74 6,840,875
50-54 38.6 5.8 39.3 45 2,852,197 11,359 723,465,195 117 7,251,508
55-59 41.1 7.0 39.7 34 1,606,000 5,867 291,113,087 83 4,042,293
60-64 27.3 8.6 23.5 10 310,000 1,892 69,264,305 37 1,320,657
65+ 27.7 19.6 27.6 2 60,000 287 8,670,157 7 217,340
Total 47.0 3.3 52.9 199 16,496,278 66,611 6,098,204,172 423 31,172,368
By Attained Age
20-24 102.0 102.0 101.6 1 100,000 1,383 138,864,511 1 98,433
25-29 21.0 21.0 2.1 1 10,000 4,588 454,686,543 5 471,576
30-34 82.6 27.5 68.7 9 800,000 6,982 745,405,115 11 1,163,878
35-39 25.6 11.4 31.9 5 700,000 8,263 926,227,367 20 2,197,126
40-44 47.0 11.8 34.0 16 1,370,000 9,376 1,112,702,496 34 4,029,387
45-49 76.0 11.8 93.1 41 5,295,590 9,879 1,041,649,809 54 5,685,874
50-54 54.9 7.9 59.0 48 4,159,991 10,849 879,494,588 88 7,054,631
55-59 33.2 5.6 39.0 35 2,410,697 9,249 544,163,936 106 6,185,635
60-64 43.6 7.8 42.6 31 1,325,000 4,528 200,376,368 71 3,108,278
65+ 33.1 10.0 27.6 11 325,000 1,514 54,633,440 33 1,177,549
Total 47.0 3.3 52.9 199 16,496,278 66,611 6,098,204,172 423 31,172,368

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 11.1     EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
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 55.8 12.2 62.9 21 2,475,000 4,109 428,705,896 38 3,936,321
1997 76.3 9.7 74.3 62 5,665,000 8,130 801,353,421 81 7,627,876
1998 72.4 7.9 65.6 84 7,098,500 12,848 1,263,748,714 116 10,812,883
1999 60.3 5.5 65.5 118 10,950,921 24,188 2,208,298,249 196 16,709,410
2000 60.4 4.4 58.9 190 15,217,658 43,423 3,821,854,204 314 25,817,326
2001 58.2 3.0 61.6 378 32,482,874 103,775 9,033,872,291 649 52,741,291
2002 57.5 2.7 58.8 459 37,450,786 142,024 12,016,877,203 798 63,682,549
2003 56.5 2.4 61.1 541 47,433,424 187,185 16,160,527,508 958 77,638,725
2004 54.7 2.4 55.5 519 43,374,251 209,056 18,232,844,169 949 78,126,783
2005 50.1 2.5 53.9 394 35,253,551 197,009 17,446,796,285 787 65,444,594
2006 45.6 2.8 47.0 265 22,140,103 155,830 13,631,989,668 581 47,118,544
2007 44.9 3.4 45.0 176 14,976,358 111,304 10,100,597,884 393 33,280,113
2008 42.2 3.9 39.6 114 8,961,139 84,371 7,393,483,730 271 22,617,937
2009 18.3 3.6 17.7 25 2,018,600 45,224 3,860,273,027 139 11,380,920
Total 53.4 0.9 55.2 3,347 285,498,165 1,328,476 116,401,222,249 6,269 516,935,271

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 11.2     MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
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 57.2 15.9 56.5 13 1,475,000 2,134 248,658,336 23 2,611,345
1997 87.6 13.2 81.9 44 4,250,000 4,392 484,446,824 50 5,188,130
1998 64.6 9.5 62.3 46 4,548,500 6,830 748,639,898 71 7,297,361
1999 54.1 6.9 54.7 61 5,823,000 12,397 1,254,565,888 113 10,637,773
2000 60.0 5.9 55.8 105 8,821,171 21,760 2,120,008,767 175 15,816,368
2001 55.3 4.0 61.1 190 19,432,978 50,656 5,004,555,635 343 31,809,656
2002 57.2 3.7 56.5 242 21,434,375 69,533 6,609,790,782 423 37,966,356
2003 49.6 3.2 56.6 245 25,779,732 90,562 8,879,180,068 494 45,566,092
2004 48.0 3.2 47.7 231 21,521,324 100,945 9,860,038,227 480 45,113,656
2005 48.5 3.5 54.8 194 20,702,660 96,733 9,560,009,290 399 37,758,826
2006 45.2 4.0 39.4 130 10,450,603 76,363 7,433,727,825 289 26,546,495
2007 42.9 4.7 42.7 83 8,022,858 53,907 5,576,721,111 193 18,783,838
2008 41.1 5.6 42.0 53 5,304,000 39,995 4,013,512,250 130 12,641,772
2009 20.1 5.6 18.5 13 1,157,500 21,132 2,059,130,042 65 6,260,728
Total 50.8 1.3 52.2 1,651 158,723,701 647,341 63,852,984,945 3,249 303,998,397

Thomson Data Analysis Tue Sep 30 15:20:16 2014


TABLE 11.3     FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
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 53.6 19.0 75.5 8 1,000,000 1,975 180,047,560 15 1,324,976
1997 58.1 13.7 58.0 18 1,415,000 3,738 316,906,597 31 2,439,746
1998 84.9 13.8 72.5 38 2,550,000 6,017 515,108,816 45 3,515,522
1999 68.7 9.1 84.5 57 5,127,921 11,791 953,732,361 83 6,071,637
2000 61.0 6.6 64.0 85 6,396,487 21,663 1,701,845,437 139 10,000,958
2001 61.4 4.5 62.3 188 13,049,896 53,119 4,029,316,656 306 20,931,635
2002 57.9 3.9 62.3 217 16,016,411 72,490 5,407,086,421 375 25,716,193
2003 63.7 3.7 67.5 295 21,653,692 96,623 7,281,347,440 463 32,072,632
2004 61.7 3.6 66.2 289 21,852,927 108,111 8,372,805,942 468 33,013,127
2005 51.7 3.7 52.6 200 14,550,891 100,276 7,886,786,995 388 27,685,768
2006 46.0 4.0 56.8 134 11,689,500 79,467 6,198,261,843 292 20,572,049
2007 46.7 4.8 48.0 94 6,953,500 57,397 4,523,876,772 200 14,496,275
2008 43.3 5.5 36.7 61 3,657,139 44,376 3,379,971,480 141 9,976,165
2009 16.6 4.7 16.8 12 861,100 24,093 1,801,142,985 74 5,120,192
Total 56.2 1.4 59.5 1,697 126,774,464 681,135 52,548,237,304 3,020 212,936,874

Thomson Data Analysis Tue Sep 30 15:20:16 2014