CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE
TABLE 1.2 TOTAL EXPERIENCE -- MALES
TABLE 1.3 TOTAL EXPERIENCE -- FEMALES
TABLE 2.1 TOTAL EXPERIENCE -- SMOKERS
TABLE 2.2 TOTAL EXPERIENCE -- MALE SMOKERS
TABLE 2.3 TOTAL EXPERIENCE -- FEMALE SMOKERS
TABLE 2.4 TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 2.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
TABLE 2.6 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 3.1 TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.2 TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.3 TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.4 TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.5 MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.6 MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.7 MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.8 MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.9 FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
TABLE 3.10 FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
TABLE 3.11 FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
TABLE 3.12 FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
TABLE 3.13 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.14 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.15 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.16 TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.17 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.18 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.19 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.20 MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.21 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
TABLE 3.22 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
TABLE 3.23 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
TABLE 3.24 FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
TABLE 3.25 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.26 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.27 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.28 TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.29 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.30 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.31 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.32 MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 3.33 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
TABLE 3.34 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
TABLE 3.35 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
TABLE 3.36 FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
TABLE 4.1 TOTAL EXPERIENCE BY ILLNESS
TABLE 4.2 TOTAL EXPERIENCE BY ILLNESS -- MALES
TABLE 4.3 TOTAL EXPERIENCE BY ILLNESS -- FEMALES
TABLE 4.4 TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
TABLE 4.5 TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
TABLE 4.6 TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
TABLE 4.7 TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
TABLE 4.8 TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
TABLE 4.9 TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
TABLE 5.1 HEART ATTACK EXPERIENCE
TABLE 5.2 MALE HEART ATTACK EXPERIENCE
TABLE 5.3 FEMALE HEART ATTACK EXPERIENCE
TABLE 5.4 HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.5 MALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.6 FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
TABLE 5.7 HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.8 MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 5.9 FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.1 LIFE THREATENING CANCER EXPERIENCE
TABLE 6.2 MALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.3 FEMALE LIFE THREATENING CANCER EXPERIENCE
TABLE 6.4 LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.5 MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.6 FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
TABLE 6.7 LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.8 MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 6.9 FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.1 STROKE EXPERIENCE
TABLE 7.2 MALE STROKE EXPERIENCE
TABLE 7.3 FEMALE STROKE EXPERIENCE
TABLE 7.4 STROKE EXPERIENCE -- SMOKERS
TABLE 7.5 MALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.6 FEMALE STROKE EXPERIENCE -- SMOKERS
TABLE 7.7 STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.8 MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 7.9 FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
TABLE 9.1 TOTAL EXPERIENCE -- POLICY YEAR
TABLE 9.2 MALE EXPERIENCE -- POLICY YEAR
TABLE 9.3 FEMALE EXPERIENCE -- POLICY YEAR
TABLE 10.1 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.2 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.3 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
TABLE 10.4 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.5 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.6 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
TABLE 10.7 TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.8 MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 10.9 FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
TABLE 11.1 EXPERIENCE BY ISSUE YEAR
TABLE 11.2 MALE EXPERIENCE BY ISSUE YEAR
TABLE 11.3 FEMALE EXPERIENCE BY ISSUE YEAR



TABLE 1.1     TOTAL EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.5 1.9 32.3 218 19,741,111 233,106 19,937,479,813 765 61,047,468
2 50.1 2.5 51.1 391 31,776,939 210,355 17,954,239,033 779 62,198,267
3 56.9 2.7 67.6 434 41,486,639 182,955 15,696,971,002 763 61,382,064
4 59.5 2.9 64.8 408 35,751,814 146,153 12,548,038,807 685 55,151,546
5 57.7 3.2 60.4 318 26,806,845 105,169 9,073,692,426 551 44,386,656
6 61.4 3.9 64.7 242 20,822,019 67,772 5,912,792,504 394 32,162,753
7+ 64.1 3.3 65.3 371 33,098,348 79,202 7,345,176,233 578 50,660,118
Total 52.7 1.1 57.1 2,382 209,483,715 1,024,712 88,468,389,818 4,516 366,988,872
By Issue Age
20-24 63.4 11.6 62.0 30 2,142,500 64,961 4,760,091,402 47 3,454,310
25-29 71.6 7.0 73.2 105 8,939,703 138,949 11,538,745,097 147 12,205,682
30-34 53.0 4.3 57.1 151 15,227,617 175,621 16,491,770,228 285 26,660,754
35-39 54.1 3.3 62.0 262 28,620,898 189,552 18,301,892,172 484 46,174,118
40-44 58.0 2.7 59.2 451 41,824,911 185,021 16,875,176,390 776 70,700,687
45-49 53.4 2.3 54.8 518 43,729,164 140,090 11,397,967,992 969 79,803,665
50-54 46.9 2.3 52.4 434 36,705,621 83,322 6,126,907,644 925 70,083,629
55-59 51.2 2.9 58.5 311 24,191,620 36,165 2,358,079,215 608 41,374,861
60+ 43.9 4.0 49.0 121 8,101,681 11,031 617,759,679 276 16,531,167
Total 52.7 1.1 57.1 2,382 209,483,715 1,024,712 88,468,389,818 4,516 366,988,872
By Attained Age
20-24 52.0 15.0 45.7 12 767,500 35,872 2,617,820,159 23 1,680,955
25-29 72.5 8.5 72.1 72 5,643,823 110,954 8,758,369,773 99 7,828,949
30-34 51.5 5.0 55.7 108 10,410,863 156,641 14,029,257,527 210 18,691,032
35-39 52.7 3.8 55.0 190 18,945,429 178,398 17,228,520,228 361 34,450,841
40-44 55.2 3.0 60.1 336 33,860,561 187,449 17,571,145,355 608 56,299,342
45-49 56.5 2.6 59.5 480 43,560,828 159,020 13,718,450,712 850 73,179,428
50-54 48.0 2.2 50.3 456 37,863,945 109,709 8,581,699,583 949 75,316,969
55-59 48.4 2.4 54.3 396 32,773,361 59,477 4,255,756,142 818 60,395,980
60-64 58.4 3.7 71.9 248 20,732,354 21,141 1,365,604,408 425 28,827,464
65+ 48.1 5.3 47.7 83 4,925,051 6,052 341,765,930 173 10,317,911
Total 52.7 1.1 57.1 2,382 209,483,715 1,024,712 88,468,389,818 4,516 366,988,872

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


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

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


TABLE 1.3     TOTAL EXPERIENCE -- FEMALES
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.3 2.8 35.1 118 9,461,361 119,352 9,062,108,162 391 26,989,231
2 48.7 3.5 51.9 190 13,960,795 107,652 8,150,311,516 390 26,899,304
3 59.0 4.0 64.8 222 16,841,053 93,768 7,107,582,285 376 25,977,932
4 64.1 4.4 73.1 213 16,775,687 74,909 5,666,435,872 332 22,940,681
5 61.1 4.8 71.4 160 12,917,586 53,621 4,056,794,225 262 18,096,104
6 60.8 5.8 68.9 111 8,785,369 34,203 2,619,083,632 183 12,751,999
7+ 69.2 5.3 74.9 171 13,729,848 38,617 3,124,811,833 247 18,325,829
Total 54.4 1.6 60.8 1,185 92,471,699 522,123 39,787,127,527 2,181 151,981,080
By Issue Age
20-24 65.7 15.5 59.8 18 1,142,500 34,633 2,413,085,512 27 1,910,679
25-29 65.9 8.7 72.4 57 4,982,407 72,919 5,761,384,874 86 6,884,488
30-34 63.3 6.2 68.3 103 9,555,246 88,014 7,531,772,909 163 13,985,706
35-39 57.1 4.6 66.0 154 15,107,963 94,562 8,026,058,597 270 22,898,558
40-44 63.5 4.0 66.9 256 21,052,517 92,872 7,222,180,021 403 31,446,065
45-49 55.8 3.4 62.0 262 20,203,380 71,857 4,986,414,548 470 32,593,972
50-54 43.7 3.3 49.0 176 12,120,249 42,845 2,625,306,160 404 24,756,963
55-59 44.4 4.3 48.0 108 6,239,295 18,482 982,370,549 244 12,996,828
60+ 44.0 6.2 45.9 50 2,068,142 5,940 238,554,356 114 4,507,822
Total 54.4 1.6 60.8 1,185 92,471,699 522,123 39,787,127,527 2,181 151,981,080
By Attained Age
20-24 53.6 20.2 46.1 7 417,500 19,070 1,322,883,358 13 905,708
25-29 68.0 10.8 69.3 40 3,076,527 59,043 4,441,569,807 59 4,441,458
30-34 52.8 6.6 56.3 64 5,688,492 79,624 6,623,314,515 121 10,109,694
35-39 57.4 5.3 65.2 118 11,575,323 88,944 7,672,976,021 206 17,764,062
40-44 60.1 4.3 63.2 199 16,852,881 93,820 7,565,551,225 331 26,673,464
45-49 62.7 3.8 72.8 271 23,210,277 80,736 5,963,023,847 432 31,871,963
50-54 51.1 3.4 54.2 227 15,902,533 56,720 3,746,969,741 445 29,313,451
55-59 41.9 3.5 47.6 142 9,380,032 30,288 1,769,590,033 339 19,720,283
60-64 51.6 5.6 59.8 85 5,009,234 10,696 547,989,703 165 8,373,213
65+ 45.2 8.1 48.4 31 1,358,900 3,181 133,259,277 69 2,807,785
Total 54.4 1.6 60.8 1,185 92,471,699 522,123 39,787,127,527 2,181 151,981,080

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


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

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


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

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


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

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


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

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


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

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


TABLE 2.6     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.0 2.9 34.6 106 8,733,361 106,356 8,359,943,126 354 25,265,850
2 48.1 3.7 51.8 171 13,095,795 96,539 7,558,936,424 356 25,273,378
3 55.1 4.0 58.8 190 14,397,053 84,476 6,617,664,320 344 24,478,996
4 62.2 4.5 74.3 190 16,090,162 67,851 5,292,129,601 306 21,668,925
5 58.0 4.9 69.0 140 11,826,706 48,733 3,797,916,233 242 17,128,413
6 56.8 5.8 66.8 96 8,071,241 31,176 2,456,375,997 169 12,089,236
7+ 66.0 5.4 73.7 151 12,788,778 35,405 2,933,005,046 229 17,351,781
Total 52.2 1.6 59.3 1,044 85,003,096 470,535 37,015,970,746 2,000 143,256,578
By Issue Age
20-24 61.1 16.3 59.6 14 992,500 28,900 2,100,462,006 23 1,664,974
25-29 61.6 9.0 64.6 47 4,061,527 64,138 5,241,529,025 76 6,289,476
30-34 63.4 6.6 69.6 93 9,067,376 79,395 7,008,257,829 147 13,020,554
35-39 56.6 4.8 65.9 138 14,134,439 85,516 7,510,287,703 244 21,436,871
40-44 61.6 4.1 63.7 225 18,762,517 84,144 6,763,408,931 366 29,470,628
45-49 52.8 3.5 60.2 227 18,550,380 65,612 4,704,873,657 430 30,791,598
50-54 42.7 3.4 49.0 160 11,603,820 39,816 2,511,004,552 376 23,702,837
55-59 41.5 4.3 47.5 95 5,944,295 17,378 945,850,757 230 12,527,408
60+ 40.8 6.1 43.3 44 1,886,242 5,638 230,296,286 108 4,352,233
Total 52.2 1.6 59.3 1,044 85,003,096 470,535 37,015,970,746 2,000 143,256,578
By Attained Age
20-24 55.6 22.7 50.1 6 392,500 15,722 1,144,502,512 11 783,748
25-29 66.9 11.5 60.7 34 2,411,527 50,927 3,964,317,673 51 3,971,737
30-34 50.4 6.8 55.5 55 5,209,742 71,540 6,145,464,537 109 9,389,307
35-39 56.0 5.5 65.4 104 10,853,323 80,362 7,163,115,104 186 16,586,658
40-44 59.1 4.4 63.1 177 15,753,753 84,857 7,084,370,346 300 24,983,716
45-49 60.8 3.9 69.9 239 20,914,881 73,334 5,596,665,017 393 29,928,594
50-54 49.4 3.5 52.2 202 14,547,533 52,226 3,559,037,522 410 27,849,358
55-59 39.4 3.5 47.1 125 8,908,603 28,362 1,697,114,873 318 18,913,939
60-64 47.4 5.5 59.1 74 4,804,234 10,159 532,131,765 157 8,128,217
65+ 41.1 7.9 44.4 27 1,207,000 3,046 129,251,395 66 2,721,305
Total 52.2 1.6 59.3 1,044 85,003,096 470,535 37,015,970,746 2,000 143,256,578

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


TABLE 3.1     TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 17.5 2.7 17.9 43 985,111 58,291 1,334,379,345 244 5,496,167
2 41.6 4.1 45.3 102 2,530,373 52,658 1,215,494,358 245 5,580,914
3 50.7 4.6 53.0 120 2,895,845 45,551 1,059,629,390 238 5,465,651
4 55.5 5.2 55.5 115 2,674,685 35,711 835,613,204 208 4,820,971
5 48.3 5.5 49.4 78 1,872,300 24,866 587,513,348 161 3,791,131
6 64.8 7.7 67.5 71 1,754,749 15,155 361,321,891 110 2,598,123
7+ 53.6 6.6 55.4 66 1,694,174 13,440 332,083,230 123 3,058,689
Total 44.8 1.8 46.8 596 14,407,237 245,671 5,726,034,768 1,329 30,811,645
By Issue Age
20-24 65.7 21.9 89.0 9 250,000 18,844 386,237,662 14 281,035
25-29 70.4 15.0 74.8 22 520,000 29,834 665,244,700 31 694,947
30-34 45.3 9.4 51.3 23 605,000 31,414 727,941,478 51 1,178,560
35-39 44.9 7.2 50.8 39 1,086,331 34,494 839,053,549 87 2,136,364
40-44 51.1 5.5 54.5 86 2,250,715 40,652 992,318,647 168 4,127,555
45-49 46.3 4.2 47.3 123 3,088,809 39,598 965,759,649 267 6,528,903
50-54 38.2 3.5 37.4 118 2,742,380 28,930 682,661,107 309 7,329,695
55-59 45.5 4.2 47.7 116 2,642,221 15,800 342,994,714 254 5,534,295
60+ 40.1 5.2 40.7 59 1,221,781 6,105 123,823,262 147 3,000,290
Total 44.8 1.8 46.8 596 14,407,237 245,671 5,726,034,768 1,329 30,811,645
By Attained Age
20-24 71.7 32.1 88.2 5 125,000 10,825 219,072,381 7 141,704
25-29 67.0 16.8 77.5 16 405,000 26,672 583,311,746 24 522,432
30-34 37.1 9.6 37.9 15 350,000 29,969 682,927,154 40 922,756
35-39 48.5 8.6 60.4 32 953,000 32,154 765,907,061 66 1,577,529
40-44 54.9 6.6 57.0 69 1,752,180 38,251 930,368,780 126 3,074,662
45-49 45.0 4.6 46.5 97 2,442,751 40,090 975,113,967 216 5,256,516
50-54 40.2 3.7 42.1 115 2,897,044 33,415 802,338,291 287 6,879,385
55-59 38.7 3.6 38.1 114 2,558,956 21,840 500,671,372 294 6,709,021
60-64 50.8 5.3 51.6 92 2,028,155 9,311 201,593,816 181 3,929,571
65+ 45.8 7.2 49.8 40 895,151 3,145 64,730,201 87 1,798,067
Total 44.8 1.8 46.8 596 14,407,237 245,671 5,726,034,768 1,329 30,811,645

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


TABLE 3.2     TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.2 3.9 34.8 78 4,273,500 69,485 3,770,979,173 229 12,267,661
2 51.0 4.7 51.0 119 6,414,957 62,412 3,399,493,574 234 12,582,730
3 51.9 4.8 51.0 119 6,318,940 54,160 2,959,659,669 230 12,382,233
4 59.0 5.3 58.5 125 6,709,244 44,403 2,430,867,233 212 11,464,797
5 57.1 5.7 56.2 100 5,332,127 32,821 1,798,015,534 175 9,482,653
6 55.3 6.6 55.5 71 3,853,853 21,528 1,178,520,936 128 6,945,427
7+ 65.8 5.7 66.5 135 7,341,719 27,333 1,486,544,745 205 11,033,286
Total 52.9 1.9 52.8 748 40,244,340 312,140 17,024,080,864 1,413 76,158,788
By Issue Age
20-24 46.3 18.9 46.0 6 325,000 17,664 964,854,356 13 707,062
25-29 71.4 13.0 75.7 30 1,753,823 39,821 2,199,355,016 42 2,318,286
30-34 43.7 7.4 44.7 35 1,977,875 48,955 2,706,926,007 80 4,422,798
35-39 52.7 5.9 53.0 79 4,393,234 57,587 3,181,010,896 150 8,296,432
40-44 57.7 4.7 57.7 148 8,055,592 60,665 3,299,316,125 257 13,957,648
45-49 58.5 4.2 57.9 192 10,195,803 47,194 2,536,244,544 328 17,618,039
50-54 44.8 3.9 44.4 135 7,104,036 27,223 1,446,013,826 301 16,017,333
55-59 53.8 5.5 53.5 94 4,984,077 10,348 548,424,111 176 9,316,917
60-64 46.7 9.1 45.8 26 1,344,900 2,370 125,144,783 56 2,938,494
65+ 19.1 13.5 19.4 2 110,000 314 16,791,201 10 565,779
Total 52.9 1.9 52.8 748 40,244,340 312,140 17,024,080,864 1,413 76,158,788
By Attained Age
20-24 33.0 23.3 30.2 2 100,000 9,385 514,236,545 6 331,635
25-29 73.6 16.1 80.2 21 1,253,823 31,839 1,747,066,561 29 1,562,803
30-34 50.8 9.3 50.9 30 1,660,241 44,043 2,434,381,246 59 3,259,254
35-39 40.3 6.2 41.3 42 2,376,096 51,035 2,818,548,456 104 5,756,870
40-44 52.2 5.2 52.3 101 5,569,527 59,449 3,261,655,938 194 10,647,585
45-49 62.4 4.7 62.0 176 9,467,327 52,865 2,865,126,245 282 15,268,690
50-54 48.3 3.9 47.9 153 8,118,349 36,968 1,974,220,490 317 16,933,507
55-59 53.3 4.6 52.3 136 7,110,000 18,851 1,000,886,124 256 13,589,899
60-64 55.2 6.7 55.1 67 3,559,077 6,126 324,460,285 122 6,459,548
65+ 42.8 9.8 43.8 19 1,029,900 1,580 83,498,974 44 2,348,996
Total 52.9 1.9 52.8 748 40,244,340 312,140 17,024,080,864 1,413 76,158,788

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


TABLE 3.3     TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.6 3.5 31.9 80 9,232,500 93,472 10,618,553,035 253 28,977,056
2 58.8 4.8 56.9 153 16,944,942 84,788 9,645,387,748 260 29,779,809
3 64.2 5.0 64.8 165 19,055,000 74,007 8,446,061,030 257 29,397,577
4 61.6 5.2 60.9 142 16,117,885 58,668 6,708,410,901 231 26,483,392
5 66.3 5.9 68.0 124 14,577,418 42,121 4,817,633,239 187 21,450,131
6 63.1 6.8 59.4 86 9,313,417 27,573 3,162,502,260 136 15,676,201
7+ 68.5 5.6 70.7 149 17,762,455 33,701 3,880,112,145 218 25,107,964
Total 58.3 1.9 58.2 899 103,003,617 414,329 47,278,660,360 1,542 176,872,132
By Issue Age
20-24 76.4 19.7 72.2 15 1,567,500 27,003 2,986,298,302 20 2,170,663
25-29 72.8 10.3 72.5 50 5,565,880 64,859 7,252,319,772 69 7,682,132
30-34 59.9 6.6 62.6 83 9,894,742 85,496 9,744,349,472 139 15,807,973
35-39 57.4 5.2 58.8 123 14,511,333 84,668 9,756,756,172 215 24,698,991
40-44 61.3 4.5 60.6 185 21,236,750 72,060 8,348,483,914 302 35,025,072
45-49 55.7 4.2 56.8 180 21,077,885 46,128 5,294,215,785 323 37,125,616
50-54 56.6 4.6 55.4 154 17,409,205 23,662 2,717,385,948 273 31,400,058
55-59 52.7 5.9 50.1 80 8,665,322 8,598 972,384,372 152 17,279,453
60-64 54.7 11.4 54.6 23 2,575,000 1,603 178,500,705 42 4,718,707
65+ 58.4 26.1 51.9 5 500,000 252 27,965,919 9 963,467
Total 58.3 1.9 58.2 899 103,003,617 414,329 47,278,660,360 1,542 176,872,132
By Attained Age
20-24 52.5 23.5 51.4 5 542,500 14,820 1,643,215,510 10 1,056,020
25-29 76.8 13.2 73.9 34 3,635,000 49,478 5,495,105,389 44 4,916,908
30-34 55.5 7.4 56.1 56 6,400,622 75,512 8,536,795,467 101 11,401,773
35-39 61.9 6.1 63.8 104 12,286,333 83,626 9,594,971,618 168 19,269,630
40-44 57.0 4.8 57.3 142 16,507,000 77,554 8,978,930,960 249 28,823,986
45-49 59.2 4.4 58.6 179 20,460,750 56,865 6,562,478,824 303 34,936,414
50-54 55.2 4.3 55.8 164 19,121,885 34,104 3,921,856,885 298 34,291,497
55-59 52.4 4.8 52.2 121 13,854,405 16,330 1,863,685,654 231 26,527,231
60-64 68.5 8.1 65.5 71 7,695,122 4,903 554,487,102 104 11,749,928
65+ 63.6 13.6 64.1 22 2,500,000 1,138 127,132,950 35 3,898,744
Total 58.3 1.9 58.2 899 103,003,617 414,329 47,278,660,360 1,542 176,872,132

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


TABLE 3.4     TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 43.1 10.5 36.7 17 5,250,000 11,858 4,213,568,259 39 14,306,584
2 40.6 10.1 41.3 16 5,886,667 10,498 3,693,863,353 40 14,254,814
3 76.3 13.9 93.5 30 13,216,854 9,237 3,231,620,913 39 14,136,603
4 72.7 14.5 82.8 25 10,250,000 7,371 2,573,147,468 34 12,382,385
5 59.1 14.8 52.0 16 5,025,000 5,361 1,870,530,305 27 9,662,741
6 70.2 18.8 85.0 14 5,900,000 3,517 1,210,447,416 20 6,943,002
7+ 64.8 14.1 55.0 21 6,300,000 4,729 1,646,436,112 32 11,460,178
Total 59.9 5.1 62.3 139 51,828,521 52,571 18,439,613,826 232 83,146,308
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,450 422,701,082 1 295,550
25-29 63.7 36.8 72.8 3 1,100,000 4,435 1,421,825,609 5 1,510,316
30-34 64.4 20.4 52.4 10 2,750,000 9,755 3,312,553,270 16 5,251,423
35-39 63.6 14.2 78.2 20 8,630,000 12,804 4,525,071,554 31 11,042,331
40-44 63.8 11.5 58.5 31 10,281,854 11,645 4,235,057,705 49 17,590,412
45-49 43.3 9.2 50.5 22 9,366,667 7,170 2,601,748,015 51 18,531,107
50-54 62.1 12.2 61.6 26 9,450,000 3,507 1,280,846,763 42 15,336,542
55-59 79.6 17.4 85.5 21 7,900,000 1,419 494,276,019 26 9,244,196
60-64 49.2 22.0 55.0 5 2,100,000 350 132,112,224 10 3,816,999
65+ 70.4 70.4 47.4 1 250,000 36 13,421,586 1 527,432
Total 59.9 5.1 62.3 139 51,828,521 52,571 18,439,613,826 232 83,146,308
By Attained Age
20-24 0.0 0.0 0.0 0 0 843 241,295,723 1 151,596
25-29 38.1 38.1 42.3 1 350,000 2,965 932,886,076 3 826,806
30-34 75.0 28.3 64.4 7 2,000,000 7,118 2,375,153,660 9 3,107,248
35-39 53.2 15.4 42.4 12 3,330,000 11,583 4,049,093,094 23 7,846,812
40-44 60.2 12.5 72.9 23 10,031,854 12,195 4,400,189,677 38 13,753,109
45-49 57.0 10.8 63.2 28 11,190,000 9,200 3,315,731,677 49 17,717,808
50-54 48.6 10.1 44.9 23 7,726,667 5,222 1,883,283,917 47 17,212,581
55-59 67.1 13.4 68.2 25 9,250,000 2,455 890,512,992 37 13,569,828
60+ 80.1 17.9 88.7 20 7,950,000 990 351,467,011 25 8,960,520
Total 59.9 5.1 62.3 139 51,828,521 52,571 18,439,613,826 232 83,146,308

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


TABLE 3.5     MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.0 4.3 20.1 21 483,750 25,096 571,822,130 107 2,408,218
2 42.2 6.2 49.1 46 1,215,574 22,537 517,246,899 109 2,474,643
3 45.7 6.5 50.0 49 1,231,916 19,332 447,439,518 108 2,463,992
4 47.3 7.0 48.7 45 1,075,156 15,195 353,621,617 96 2,208,053
5 48.8 8.0 48.7 37 862,121 10,623 249,417,074 76 1,769,116
6 70.5 11.6 75.5 37 932,258 6,561 155,218,937 52 1,235,226
7+ 55.0 9.3 62.9 35 990,500 6,107 149,426,173 64 1,575,609
Total 44.3 2.7 48.0 271 6,791,275 105,452 2,444,192,347 612 14,134,858
By Issue Age
20-24 56.0 32.3 92.4 3 100,000 8,202 166,311,216 5 108,272
25-29 92.5 27.9 104.3 11 275,000 13,263 295,787,657 12 263,588
30-34 15.6 9.0 16.9 3 75,000 14,068 323,197,096 19 442,721
35-39 60.5 13.4 70.0 20 566,581 15,318 369,196,653 33 809,914
40-44 42.4 7.9 45.1 29 752,911 17,303 419,965,340 68 1,670,946
45-49 51.8 6.6 56.9 61 1,631,732 16,670 402,394,450 118 2,868,914
50-54 35.0 4.8 36.4 52 1,282,131 11,809 276,547,368 149 3,521,325
55-59 47.6 6.0 52.5 62 1,512,381 6,458 141,198,351 131 2,878,857
60+ 38.7 7.2 37.9 29 595,539 2,361 49,594,215 75 1,570,320
Total 44.3 2.7 48.0 271 6,791,275 105,452 2,444,192,347 612 14,134,858
By Attained Age
20-24 71.5 50.6 89.2 2 50,000 4,728 94,340,290 3 56,023
25-29 77.4 29.3 106.0 7 210,000 11,723 256,423,487 9 198,186
30-34 32.9 14.7 29.1 5 100,000 13,401 302,536,772 15 344,037
35-39 48.6 14.0 64.1 12 377,000 14,312 339,636,232 25 588,250
40-44 45.7 9.7 48.7 22 571,492 16,492 396,088,120 49 1,173,758
45-49 47.0 7.1 49.1 43 1,097,008 17,099 415,314,275 92 2,234,738
50-54 40.6 5.6 45.9 53 1,425,324 13,709 324,383,397 131 3,102,983
55-59 36.9 5.0 38.2 54 1,288,924 8,932 204,879,443 147 3,374,705
60-64 53.2 7.4 57.6 51 1,218,376 3,831 84,770,446 96 2,116,988
65+ 46.6 10.2 47.9 21 453,151 1,225 25,819,884 45 945,189
Total 44.3 2.7 48.0 271 6,791,275 105,452 2,444,192,347 612 14,134,858

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


TABLE 3.6     MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 27.1 5.0 28.3 29 1,631,000 32,221 1,762,699,460 107 5,773,347
2 49.2 6.6 47.5 55 2,878,703 29,005 1,591,851,861 112 6,060,017
3 47.5 6.5 47.2 53 2,849,816 25,075 1,378,917,976 112 6,039,387
4 58.8 7.5 57.5 61 3,243,086 20,371 1,120,929,723 104 5,638,549
5 57.5 8.1 57.0 50 2,685,600 15,006 825,338,323 87 4,711,896
6 59.9 9.6 60.0 39 2,116,725 9,868 542,094,923 65 3,529,369
7+ 56.8 7.3 56.5 61 3,283,000 12,557 685,474,353 107 5,809,436
Total 50.2 2.7 49.8 348 18,687,930 144,104 7,907,306,619 694 37,562,001
By Issue Age
20-24 18.9 18.9 17.3 1 50,000 8,022 440,192,172 5 289,612
25-29 60.4 19.1 62.2 10 572,296 18,222 1,014,750,488 17 920,522
30-34 25.1 8.9 23.3 8 412,371 22,950 1,275,408,309 32 1,767,798
35-39 36.7 7.8 35.3 22 1,173,021 26,342 1,462,350,068 60 3,326,620
40-44 49.7 6.6 49.6 56 3,061,629 27,776 1,521,497,384 113 6,178,601
45-49 52.5 5.7 51.9 84 4,474,500 21,812 1,176,882,451 160 8,628,367
50-54 50.1 5.5 50.5 82 4,439,036 12,711 681,940,876 164 8,792,513
55-59 66.5 7.9 65.8 70 3,717,077 5,084 271,473,480 106 5,646,875
60-64 48.8 12.6 48.8 15 788,000 1,009 53,097,415 31 1,616,289
65+ 0.0 0.0 0.0 0 0 176 9,713,975 7 394,805
Total 50.2 2.7 49.8 348 18,687,930 144,104 7,907,306,619 694 37,562,001
By Attained Age
20-24 39.0 39.0 35.4 1 50,000 4,297 236,614,643 3 141,241
25-29 63.0 23.8 64.7 7 397,296 14,308 791,780,306 11 614,028
30-34 34.0 12.0 33.4 8 437,371 20,643 1,149,848,732 24 1,310,965
35-39 31.6 8.8 28.9 13 659,773 23,739 1,317,850,465 41 2,279,475
40-44 36.1 6.7 36.3 29 1,612,334 27,267 1,502,565,434 81 4,437,121
45-49 56.3 6.6 55.8 73 3,933,543 24,297 1,324,197,454 130 7,053,774
50-54 40.5 5.0 40.8 65 3,512,536 16,955 909,654,889 161 8,612,714
55-59 64.2 6.6 63.2 93 4,920,000 8,901 477,572,528 145 7,786,155
60-64 64.4 9.4 64.1 47 2,502,077 2,951 157,547,009 73 3,901,621
65+ 44.9 12.9 46.5 12 663,000 746 39,675,159 27 1,424,908
Total 50.2 2.7 49.8 348 18,687,930 144,104 7,907,306,619 694 37,562,001

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


TABLE 3.7     MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.3 4.8 31.8 40 4,915,000 48,367 5,564,835,172 133 15,450,270
2 63.3 6.7 60.9 88 9,845,200 43,944 5,062,502,461 139 16,170,412
3 62.1 6.7 62.7 86 10,147,000 38,375 4,439,199,378 139 16,190,113
4 56.5 6.7 55.6 72 8,257,885 30,532 3,540,151,261 128 14,857,226
5 59.4 7.5 59.6 63 7,341,538 22,114 2,565,617,791 106 12,326,924
6 57.1 8.5 55.9 45 5,137,667 14,624 1,703,272,983 79 9,192,659
7+ 68.6 7.1 73.5 93 11,645,000 18,542 2,167,258,066 136 15,852,101
Total 56.8 2.6 57.3 488 57,289,290 216,499 25,042,837,113 859 100,039,705
By Issue Age
20-24 92.2 32.6 88.1 8 850,000 13,178 1,466,586,843 9 965,298
25-29 92.5 17.8 94.5 27 3,110,000 31,821 3,582,927,210 29 3,291,652
30-34 53.3 9.3 58.7 33 4,185,000 44,089 5,072,201,629 62 7,134,112
35-39 54.2 7.4 53.9 54 6,318,333 44,399 5,196,622,253 100 11,715,769
40-44 57.3 6.0 57.5 90 10,686,000 38,754 4,561,604,637 157 18,568,633
45-49 52.0 5.3 54.1 95 11,552,885 24,620 2,878,016,495 183 21,358,828
50-54 60.7 5.9 60.9 106 12,464,205 13,346 1,562,485,942 175 20,472,078
55-59 50.3 6.9 47.9 53 5,822,867 5,094 585,436,012 106 12,146,110
60-64 50.4 12.6 49.6 16 1,800,000 1,036 118,098,369 32 3,629,084
65+ 76.4 34.2 66.0 5 500,000 162 18,857,722 7 758,138
Total 56.8 2.6 57.3 488 57,289,290 216,499 25,042,837,113 859 100,039,705
By Attained Age
20-24 46.1 32.6 51.4 2 250,000 7,247 810,841,121 4 485,987
25-29 95.5 22.5 93.1 18 1,960,000 24,048 2,686,160,335 19 2,106,335
30-34 61.0 11.7 63.0 27 3,185,000 38,388 4,378,178,150 44 5,054,812
35-39 57.0 8.7 58.4 43 5,128,333 43,506 5,047,398,742 76 8,775,011
40-44 58.7 7.0 57.4 71 8,202,000 41,168 4,845,442,261 121 14,285,317
45-49 47.8 5.4 50.1 77 9,480,000 30,327 3,563,127,499 161 18,934,849
50-54 52.9 5.5 53.8 93 11,096,885 18,543 2,171,393,185 176 20,619,195
55-59 56.7 6.0 57.8 88 10,484,405 9,499 1,108,848,190 156 18,142,314
60-64 67.7 9.5 64.5 51 5,552,667 3,035 346,999,642 75 8,605,464
65+ 64.3 15.6 64.3 17 1,950,000 738 84,447,987 26 3,030,419
Total 56.8 2.6 57.3 488 57,289,290 216,499 25,042,837,113 859 100,039,705

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


TABLE 3.8     MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.5 10.8 31.2 9 3,250,000 8,069 2,976,014,889 28 10,426,402
2 38.8 11.7 36.6 11 3,876,667 7,216 2,632,326,297 28 10,593,891
3 83.6 17.1 97.3 24 10,416,854 6,405 2,323,831,845 29 10,710,641
4 63.0 15.7 67.3 16 6,400,000 5,145 1,866,900,334 25 9,507,036
5 39.4 13.9 40.1 8 3,000,000 3,805 1,376,525,013 20 7,482,616
6 65.6 20.7 70.6 10 3,850,000 2,515 893,122,028 15 5,453,499
7+ 44.3 13.3 37.9 11 3,450,000 3,379 1,218,205,808 25 9,097,143
Total 52.2 5.5 54.1 89 34,243,521 36,534 13,286,926,213 170 63,271,228
By Issue Age
20-24 0.0 0.0 0.0 0 0 927 273,915,658 1 180,449
25-29 0.0 0.0 0.0 0 0 2,724 883,894,868 3 845,432
30-34 42.5 21.2 30.0 4 1,000,000 6,499 2,289,190,285 9 3,330,417
35-39 53.7 16.2 73.5 11 5,455,000 8,933 3,247,664,600 20 7,423,256
40-44 55.9 12.8 48.9 19 6,271,854 8,315 3,149,929,009 34 12,836,442
45-49 39.9 10.3 40.9 15 5,866,667 5,132 1,954,260,047 38 14,353,584
50-54 50.7 12.3 51.0 17 6,400,000 2,611 980,627,297 34 12,540,750
55-59 79.3 19.2 89.5 17 6,900,000 1,047 377,600,822 21 7,706,190
60-64 52.7 23.6 59.1 5 2,100,000 313 117,505,374 9 3,554,552
65+ 75.1 75.1 50.0 1 250,000 33 12,338,253 1 500,156
Total 52.2 5.5 54.1 89 34,243,521 36,534 13,286,926,213 170 63,271,228
By Attained Age
20-24 0.0 0.0 0.0 0 0 530 153,140,746 0 91,996
25-29 0.0 0.0 0.0 0 0 1,832 582,435,838 1 468,942
30-34 73.7 36.9 53.4 4 1,000,000 4,584 1,575,379,357 5 1,871,522
35-39 28.7 14.3 23.9 4 1,205,000 7,897 2,850,658,769 14 5,044,043
40-44 54.1 14.4 68.1 14 6,621,854 8,701 3,261,498,314 26 9,729,683
45-49 45.7 11.4 44.6 16 5,840,000 6,561 2,452,787,637 35 13,084,105
50-54 47.1 11.4 43.4 17 5,926,667 3,781 1,429,298,373 36 13,668,626
55-59 58.9 13.9 58.9 18 6,700,000 1,858 694,865,948 31 11,372,523
60+ 73.4 18.4 87.5 16 6,950,000 790 286,861,230 22 7,939,787
Total 52.2 5.5 54.1 89 34,243,521 36,534 13,286,926,213 170 63,271,228

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


TABLE 3.9     FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 15.5 3.4 16.2 21 501,361 33,195 762,557,215 137 3,087,948
2 41.2 5.5 42.3 56 1,314,799 30,120 698,247,460 136 3,106,271
3 54.7 6.5 55.4 71 1,663,929 26,219 612,189,872 130 3,001,659
4 62.6 7.5 61.2 70 1,599,529 20,516 481,991,587 112 2,612,917
5 47.9 7.5 50.0 41 1,010,179 14,242 338,096,275 86 2,022,015
6 59.6 10.2 60.3 34 822,491 8,594 206,102,955 57 1,362,896
7+ 52.1 9.4 47.4 31 703,674 7,333 182,657,058 59 1,483,081
Total 45.3 2.5 45.7 324 7,615,962 140,219 3,281,842,421 717 16,676,787
By Issue Age
20-24 71.9 29.3 86.8 6 150,000 10,642 219,926,446 8 172,763
25-29 56.8 17.1 56.8 11 245,000 16,571 369,457,044 19 431,359
30-34 63.4 14.2 72.0 20 530,000 17,346 404,744,382 32 735,839
35-39 35.2 8.1 39.2 19 519,750 19,176 469,856,896 54 1,326,450
40-44 57.0 7.6 61.0 57 1,497,804 23,349 572,353,306 100 2,456,610
45-49 41.9 5.3 39.8 62 1,457,077 22,928 563,365,199 148 3,659,989
50-54 41.3 5.1 38.3 66 1,460,249 17,121 406,113,739 160 3,808,370
55-59 43.3 5.9 42.5 53 1,129,840 9,342 201,796,363 123 2,655,438
60+ 41.6 7.6 43.8 30 626,242 3,744 74,229,047 72 1,429,970
Total 45.3 2.5 45.7 324 7,615,962 140,219 3,281,842,421 717 16,676,787
By Attained Age
20-24 71.8 41.4 87.5 3 75,000 6,096 124,732,090 4 85,681
25-29 60.7 20.2 60.1 9 195,000 14,949 326,888,259 15 324,246
30-34 39.7 12.6 43.2 10 250,000 16,567 380,390,382 25 578,719
35-39 48.4 10.8 58.2 20 576,000 17,842 426,270,829 41 989,279
40-44 60.8 8.9 62.1 47 1,180,688 21,759 534,280,660 77 1,900,904
45-49 43.5 5.9 44.5 54 1,345,743 22,991 559,799,691 124 3,021,778
50-54 39.9 5.1 39.0 62 1,471,720 19,706 477,954,894 156 3,776,402
55-59 40.4 5.3 38.1 59 1,270,032 12,909 295,791,929 146 3,334,317
60-64 48.1 7.5 44.7 41 809,779 5,480 116,823,370 85 1,812,584
65+ 45.0 10.3 51.8 19 442,000 1,920 38,910,316 42 852,878
Total 45.3 2.5 45.7 324 7,615,962 140,219 3,281,842,421 717 16,676,787

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


TABLE 3.10     FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 40.5 5.8 40.7 49 2,642,500 37,264 2,008,279,713 122 6,494,314
2 52.6 6.6 54.2 64 3,536,254 33,406 1,807,641,713 122 6,522,713
3 56.2 6.9 54.7 66 3,469,124 29,085 1,580,741,693 118 6,342,846
4 59.2 7.4 59.5 64 3,466,158 24,032 1,309,937,511 108 5,826,249
5 56.6 8.0 55.5 50 2,646,527 17,815 972,677,210 88 4,770,757
6 50.5 8.9 50.9 32 1,737,128 11,659 636,426,012 63 3,416,058
7+ 75.7 8.8 77.7 74 4,058,719 14,775 801,070,392 98 5,223,850
Total 55.6 2.8 55.9 400 21,556,410 168,037 9,116,774,245 719 38,596,787
By Issue Age
20-24 65.1 29.1 65.9 5 275,000 9,642 524,662,184 8 417,450
25-29 78.5 17.6 84.5 20 1,181,527 21,599 1,184,604,528 25 1,397,765
30-34 56.0 10.8 59.0 27 1,565,504 26,005 1,431,517,698 48 2,655,000
35-39 63.3 8.4 64.8 57 3,220,213 31,245 1,718,660,828 90 4,969,812
40-44 64.0 6.7 64.2 92 4,993,963 32,888 1,777,818,741 144 7,779,047
45-49 64.3 6.2 63.6 108 5,721,303 25,382 1,359,362,092 168 8,989,672
50-54 38.6 5.3 36.9 53 2,665,000 14,512 764,072,950 137 7,224,820
55-59 34.7 7.0 34.5 24 1,267,000 5,264 276,950,631 70 3,670,042
60-64 44.0 13.3 42.1 11 556,900 1,361 72,047,368 25 1,322,205
65+ 60.1 42.5 64.3 2 110,000 138 7,077,226 3 170,974
Total 55.6 2.8 55.9 400 21,556,410 168,037 9,116,774,245 719 38,596,787
By Attained Age
20-24 28.6 28.6 26.3 1 50,000 5,088 277,621,902 3 190,394
25-29 80.4 21.5 90.3 14 856,527 17,531 955,286,255 17 948,775
30-34 62.0 13.2 62.8 22 1,222,870 23,399 1,284,532,514 36 1,948,289
35-39 46.0 8.5 49.4 29 1,716,323 27,296 1,500,697,991 63 3,477,395
40-44 63.6 7.5 63.7 72 3,957,193 32,182 1,759,090,504 114 6,210,465
45-49 67.6 6.7 67.4 103 5,533,784 28,568 1,540,928,791 152 8,214,916
50-54 56.2 6.0 55.4 88 4,605,813 20,013 1,064,565,601 157 8,320,794
55-59 39.0 5.9 37.7 43 2,190,000 9,950 523,313,596 110 5,803,743
60-64 41.3 9.2 41.3 20 1,057,000 3,175 166,913,276 49 2,557,927
65+ 39.8 15.0 39.7 7 366,900 834 43,823,815 18 924,088
Total 55.6 2.8 55.9 400 21,556,410 168,037 9,116,774,245 719 38,596,787

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


TABLE 3.11     FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.2 5.2 31.9 40 4,317,500 45,104 5,053,717,863 121 13,526,786
2 53.7 6.7 52.2 65 7,099,742 40,844 4,582,885,287 121 13,609,398
3 66.6 7.5 67.4 78 8,908,000 35,632 4,006,861,652 117 13,207,465
4 67.8 8.1 67.6 70 7,860,000 28,135 3,168,259,640 103 11,626,166
5 75.1 9.6 79.3 61 7,235,880 20,007 2,252,015,448 81 9,123,207
6 71.1 11.1 64.4 41 4,175,750 12,948 1,459,229,277 58 6,483,542
7+ 68.2 9.1 66.1 56 6,117,455 15,159 1,712,854,079 82 9,255,863
Total 60.2 3.0 59.5 411 45,714,327 197,830 22,235,823,248 683 76,832,427
By Issue Age
20-29 59.5 10.9 56.7 30 3,173,380 46,863 5,189,104,021 50 5,595,845
30-34 65.1 9.2 65.8 50 5,709,742 41,407 4,672,147,843 77 8,673,861
35-39 60.2 7.2 63.1 69 8,193,000 40,269 4,560,133,919 115 12,983,222
40-44 65.6 6.7 64.1 95 10,550,750 33,305 3,786,879,277 145 16,456,439
45-49 60.5 6.6 60.4 85 9,525,000 21,508 2,416,199,290 140 15,766,788
50-54 49.4 7.1 45.3 48 4,945,000 10,316 1,154,900,006 98 10,927,980
55-59 58.2 11.2 55.4 27 2,842,455 3,504 386,948,359 46 5,133,343
60-64 68.4 25.8 71.1 7 775,000 567 60,402,336 10 1,089,622
65+ 0.0 0.0 0.0 0 0 90 9,108,197 2 205,328
Total 60.2 3.0 59.5 411 45,714,327 197,830 22,235,823,248 683 76,832,427
By Attained Age
20-29 62.1 14.2 58.2 19 1,967,500 33,003 3,641,319,443 31 3,380,606
30-34 51.2 9.5 50.7 29 3,215,622 37,123 4,158,617,317 57 6,346,960
35-39 65.9 8.4 68.2 61 7,158,000 40,120 4,547,572,876 93 10,494,618
40-44 55.5 6.6 57.1 71 8,305,000 36,386 4,133,488,699 128 14,538,669
45-49 72.0 7.1 68.6 102 10,980,750 26,538 2,999,351,325 142 16,001,565
50-54 58.6 6.9 58.7 71 8,025,000 15,561 1,750,463,700 122 13,672,301
55-59 43.5 7.6 40.2 33 3,370,000 6,832 754,837,464 76 8,384,917
60-64 70.6 15.8 68.1 20 2,142,455 1,868 207,487,460 28 3,144,464
65+ 61.3 27.4 63.3 5 550,000 400 42,684,963 8 868,325
Total 60.2 3.0 59.5 411 45,714,327 197,830 22,235,823,248 683 76,832,427

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


TABLE 3.12     FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 68.3 24.1 51.5 8 2,000,000 3,788 1,237,553,370 12 3,880,182
2 45.0 20.0 54.9 5 2,010,000 3,282 1,061,537,056 11 3,660,923
3 56.6 23.1 81.7 6 2,800,000 2,832 907,789,068 11 3,425,963
4 100.3 33.4 133.9 9 3,850,000 2,227 706,247,134 9 2,875,349
5+ 115.6 24.6 114.8 22 6,925,000 3,908 1,239,560,985 19 6,032,663
Total 81.3 11.5 88.5 50 17,585,000 16,037 5,152,687,613 62 19,875,079
By Issue Age
20-24 0.0 0.0 0.0 0 0 523 148,785,423 0 115,101
25-29 142.1 82.0 165.4 3 1,100,000 1,711 537,930,741 2 664,884
30-34 98.0 40.0 91.1 6 1,750,000 3,255 1,023,362,986 6 1,921,005
35-39 81.9 27.3 87.7 9 3,175,000 3,871 1,277,406,954 11 3,619,075
40-44 82.3 23.7 84.4 12 4,010,000 3,330 1,085,128,696 15 4,753,969
45-49 52.8 20.0 83.8 7 3,500,000 2,038 647,487,968 13 4,177,523
50-54 107.9 36.0 109.1 9 3,050,000 896 300,219,465 8 2,795,793
55-59 81.2 40.6 65.0 4 1,000,000 373 116,675,197 5 1,538,006
60+ 0.0 0.0 0.0 0 0 40 15,690,183 1 289,723
Total 81.3 11.5 88.5 50 17,585,000 16,037 5,152,687,613 62 19,875,079
By Attained Age
20-24 0.0 0.0 0.0 0 0 313 88,154,977 0 59,599
25-29 86.7 86.7 97.8 1 350,000 1,133 350,450,238 1 357,863
30-34 76.7 44.3 80.9 3 1,000,000 2,534 799,774,303 4 1,235,726
35-39 93.0 32.9 75.8 8 2,125,000 3,686 1,198,434,325 9 2,802,769
40-44 73.2 24.3 84.8 9 3,410,000 3,494 1,138,691,362 12 4,023,426
45-49 84.7 24.4 115.5 12 5,350,000 2,639 862,944,040 14 4,633,703
50-54 53.4 21.8 50.8 6 1,800,000 1,441 453,985,544 11 3,543,955
55-59 104.3 39.4 116.1 7 2,550,000 597 195,647,044 7 2,197,306
60+ 126.2 63.1 98.0 4 1,000,000 200 64,605,781 3 1,020,733
Total 81.3 11.5 88.5 50 17,585,000 16,037 5,152,687,613 62 19,875,079

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


TABLE 3.13     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 28.4 8.5 31.8 11 256,750 12,049 256,084,553 40 808,471
2 48.5 11.4 57.4 18 440,000 10,335 220,977,922 37 766,850
3 97.5 16.9 108.1 33 764,073 8,567 184,642,132 34 706,831
4 96.4 18.6 93.0 27 546,286 6,414 138,725,558 28 587,568
5 73.0 18.8 80.3 15 350,000 4,293 93,716,981 21 435,685
6 103.0 27.5 119.3 14 348,500 2,577 56,523,019 14 292,234
7+ 103.9 26.8 97.5 15 313,674 2,051 46,698,993 14 321,663
Total 71.2 6.2 77.0 133 3,019,283 46,286 997,369,159 187 3,919,302
By Issue Age
20-24 84.9 49.0 109.0 3 75,000 4,909 96,457,424 4 68,828
25-29 70.9 31.7 82.2 5 125,000 6,889 150,245,498 7 151,980
30-34 58.1 23.7 61.5 6 140,000 6,454 142,377,001 10 227,564
35-39 76.7 20.5 89.1 14 384,000 7,299 172,131,478 18 431,084
40-44 70.6 14.4 78.5 24 590,565 8,371 185,347,736 34 751,885
45-49 80.0 13.3 90.0 36 854,008 6,894 144,526,971 45 949,102
50-54 52.8 11.8 52.2 20 399,460 3,648 73,088,834 38 764,956
55-59 84.6 19.3 76.5 19 316,250 1,449 26,241,469 23 413,130
60-64 68.8 30.8 79.9 5 110,000 340 6,297,859 7 137,708
65+ 87.1 87.1 108.4 1 25,000 34 654,887 1 23,064
Total 71.2 6.2 77.0 133 3,019,283 46,286 997,369,159 187 3,919,302
By Attained Age
20-24 107.7 76.1 137.9 2 50,000 2,904 56,529,630 2 36,261
25-29 35.1 24.8 41.3 2 50,000 6,504 138,249,568 6 121,003
30-34 72.3 29.5 82.9 6 150,000 6,252 136,344,385 8 180,976
35-39 94.3 26.2 118.8 13 379,000 6,786 156,865,910 14 318,923
40-44 60.7 15.2 61.2 16 364,565 8,087 183,352,569 26 595,483
45-49 80.7 14.0 90.0 33 790,008 7,678 164,403,182 41 877,454
50-54 44.8 10.3 52.9 19 460,000 4,965 102,149,896 42 869,380
55-59 76.5 15.9 67.9 23 405,710 2,266 44,241,455 30 597,301
60-64 112.1 29.0 111.2 15 265,000 687 12,068,754 13 238,222
65+ 97.1 48.6 124.6 4 105,000 157 3,163,812 4 84,301
Total 71.2 6.2 77.0 133 3,019,283 46,286 997,369,159 187 3,919,302

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


TABLE 3.14     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-2 79.8 14.3 75.6 31 1,585,000 16,301 885,348,513 39 2,097,769
3 106.3 24.4 109.4 19 1,051,000 6,096 331,330,561 18 960,523
4 94.6 24.4 91.5 15 779,770 4,752 257,862,628 16 852,046
5 46.1 18.8 45.1 6 314,600 3,377 182,985,604 13 697,143
6 122.3 35.3 122.1 12 639,128 2,209 119,324,209 10 523,363
7+ 88.8 21.5 93.2 17 947,396 2,961 159,579,460 19 1,016,404
Total 87.3 8.7 86.5 100 5,316,894 35,696 1,936,430,974 115 6,147,248
By Issue Age
20-39 76.1 14.1 74.9 29 1,554,394 24,136 1,320,348,165 38 2,075,471
40-44 88.5 18.9 90.2 22 1,200,000 6,017 321,967,030 25 1,330,154
45-49 102.8 20.5 102.8 25 1,331,000 3,536 187,936,604 24 1,294,668
50-54 76.2 21.1 75.4 13 685,000 1,487 78,923,244 17 908,793
55+ 107.0 32.3 101.5 11 546,500 521 27,255,931 10 538,162
Total 87.3 8.7 86.5 100 5,316,894 35,696 1,936,430,974 115 6,147,248
By Attained Age
20-44 77.8 12.6 76.6 38 2,026,998 27,411 1,494,667,888 49 2,645,864
45-49 92.0 19.6 91.8 22 1,183,396 4,566 245,130,676 24 1,289,512
50-54 86.9 20.5 91.0 18 1,000,000 2,416 128,221,695 21 1,099,279
55-59 91.8 26.5 86.9 12 600,000 953 50,079,835 13 690,770
60+ 124.1 39.2 120.1 10 506,500 350 18,330,881 8 421,823
Total 87.3 8.7 86.5 100 5,316,894 35,696 1,936,430,974 115 6,147,248

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


TABLE 3.15     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.8 14.5 29.4 5 510,000 7,970 879,755,071 16 1,735,034
2 80.4 23.2 75.3 12 1,250,000 6,568 724,239,971 15 1,659,810
3 102.0 27.3 104.7 14 1,600,000 5,367 592,696,508 14 1,528,883
4 51.7 21.1 52.6 6 684,000 3,939 436,689,469 12 1,300,361
5 166.6 43.0 166.1 15 1,680,880 2,721 302,794,258 9 1,011,881
6 63.0 31.5 59.7 4 425,000 1,705 190,907,706 6 712,007
7+ 121.7 35.1 137.2 12 1,529,000 2,047 231,353,302 10 1,114,282
Total 84.1 10.2 84.7 68 7,678,880 30,316 3,358,436,286 81 9,062,258
By Issue Age
20-39 60.5 13.5 58.7 20 2,155,880 22,703 2,498,366,312 33 3,669,681
40-44 110.0 25.2 113.5 19 2,204,000 4,251 477,363,721 17 1,942,399
45-49 112.1 27.2 120.2 17 2,109,000 2,209 255,691,325 15 1,755,228
50-54 60.9 24.9 54.7 6 600,000 875 97,348,199 10 1,097,552
55-59 114.8 50.9 107.4 5 510,000 233 25,084,399 4 474,995
60+ 82.9 82.9 81.7 1 100,000 45 4,582,329 1 122,402
Total 84.1 10.2 84.7 68 7,678,880 30,316 3,358,436,286 81 9,062,258
By Attained Age
20-44 56.0 11.7 53.9 23 2,455,880 25,151 2,771,249,203 41 4,557,747
45-49 149.6 30.5 149.5 24 2,750,000 3,046 348,817,403 16 1,839,355
50-54 93.6 27.0 107.6 12 1,563,000 1,456 165,192,162 13 1,452,478
55-59 67.8 30.0 60.7 5 510,000 517 57,809,306 8 840,745
60+ 112.4 56.2 107.5 4 400,000 146 15,368,212 4 371,933
Total 84.1 10.2 84.7 68 7,678,880 30,316 3,358,436,286 81 9,062,258

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


TABLE 3.16     TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 130.9 92.6 143.2 2 750,000 597 199,673,611 2 523,574
2 73.7 73.7 55.0 1 250,000 489 158,253,975 1 454,371
3 216.2 124.8 276.1 3 1,300,000 433 142,653,449 1 470,926
4 81.3 81.3 58.4 1 250,000 360 120,098,198 1 428,177
5 0.0 0.0 0.0 0 0 255 84,194,453 1 312,562
6 0.0 0.0 0.0 0 0 177 57,769,689 1 250,071
7+ 0.0 0.0 0.0 0 0 266 88,383,775 1 488,166
Total 80.8 30.5 87.1 7 2,550,000 2,576 851,027,150 9 2,927,847
By Issue Age
20-24 0.0 0.0 0.0 0 0 139 41,468,564 0 28,543
25-29 294.1 294.1 333.2 1 350,000 344 105,594,256 0 105,048
30-34 0.0 0.0 0.0 0 0 587 193,451,949 1 306,332
35-39 134.5 95.1 113.8 2 550,000 599 195,827,468 1 483,443
40-44 100.0 70.7 121.3 2 900,000 484 175,718,533 2 741,791
45-49 87.6 62.0 103.5 2 750,000 315 101,167,271 2 724,915
50-54 0.0 0.0 0.0 0 0 66 23,418,973 1 283,314
55+ 0.0 0.0 0.0 0 0 42 14,380,137 1 254,462
Total 80.8 30.5 87.1 7 2,550,000 2,576 851,027,150 9 2,927,847
By Attained Age
20-24 0.0 0.0 0.0 0 0 79 23,576,543 0 14,430
25-29 451.4 451.4 526.1 1 350,000 259 77,620,007 0 66,531
30-34 0.0 0.0 0.0 0 0 418 133,079,116 1 163,898
35-39 89.9 89.9 81.9 1 300,000 591 195,310,955 1 366,475
40-44 112.6 79.6 82.8 2 500,000 580 197,657,125 2 603,686
45-49 141.0 81.4 186.7 3 1,400,000 399 140,630,430 2 750,061
50-54 0.0 0.0 0.0 0 0 170 54,939,504 2 502,673
55+ 0.0 0.0 0.0 0 0 81 28,213,470 1 460,092
Total 80.8 30.5 87.1 7 2,550,000 2,576 851,027,150 9 2,927,847

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


TABLE 3.17     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 48.8 16.0 55.9 9 218,750 5,931 127,747,436 19 391,479
2 56.8 17.9 68.9 10 255,000 5,011 108,382,090 18 369,961
3 113.6 26.7 132.3 18 445,073 4,048 87,982,493 16 336,431
4 91.5 26.4 104.8 12 290,531 3,006 65,180,782 13 277,296
5 52.5 23.5 68.6 5 140,000 1,988 43,751,408 10 203,937
6 121.6 43.0 138.3 8 198,500 1,211 26,655,105 7 143,510
7+ 67.9 30.4 75.6 5 125,000 975 21,938,227 7 165,408
Total 75.6 9.2 88.6 67 1,672,854 22,170 481,637,542 89 1,888,022
By Issue Age
20-24 62.4 62.4 80.9 1 25,000 2,412 47,324,577 2 30,890
25-29 63.3 44.8 73.9 2 50,000 3,526 77,301,303 3 67,678
30-34 23.1 23.1 26.4 1 25,000 3,154 69,474,736 4 94,811
35-39 144.2 43.5 160.5 11 287,000 3,517 82,500,406 8 178,785
40-44 70.8 21.3 83.0 11 290,565 4,047 90,896,355 16 350,215
45-49 93.9 20.9 122.6 20 556,008 3,156 66,619,073 22 453,614
50-54 51.4 16.3 51.1 10 208,031 1,618 33,537,901 19 407,472
55-59 77.3 25.4 76.2 9 171,250 608 11,436,430 12 224,665
60-64 32.1 32.1 57.5 1 35,000 105 2,039,911 3 60,862
65+ 102.8 102.8 131.4 1 25,000 27 506,849 1 19,032
Total 75.6 9.2 88.6 67 1,672,854 22,170 481,637,542 89 1,888,022
By Attained Age
20-24 122.6 122.6 158.3 1 25,000 1,379 26,579,113 1 15,793
25-29 38.3 38.3 44.7 1 25,000 3,378 72,440,739 3 55,888
30-34 57.6 40.7 66.4 2 50,000 3,065 66,508,991 3 75,284
35-39 139.9 49.4 181.7 8 242,000 3,315 76,898,600 6 133,166
40-44 60.4 22.8 59.1 7 154,565 3,920 88,781,351 12 261,740
45-49 104.6 23.3 122.9 20 517,008 3,614 78,979,251 19 420,573
50-54 43.9 14.6 60.7 9 255,000 2,177 44,751,359 21 420,208
55-59 76.9 22.0 71.6 12 234,281 973 20,035,891 16 327,265
60-64 69.3 31.0 80.7 5 110,000 291 5,511,631 7 136,265
65+ 96.4 68.2 143.4 2 60,000 58 1,150,615 2 41,840
Total 75.6 9.2 88.6 67 1,672,854 22,170 481,637,542 89 1,888,022

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


TABLE 3.18     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-2 70.6 18.2 62.3 15 715,000 9,285 506,812,838 21 1,147,861
3 92.1 30.7 99.8 9 526,000 3,396 185,456,704 10 526,890
4 80.3 30.4 74.4 7 350,000 2,629 143,436,005 9 470,617
5 27.7 19.6 23.1 2 89,600 1,847 100,714,569 7 388,238
6 90.7 40.5 93.1 5 275,000 1,199 65,246,996 6 295,289
7+ 78.9 26.3 81.7 9 495,000 1,603 86,654,420 11 605,506
Total 73.6 10.7 71.4 47 2,450,600 19,959 1,088,321,532 64 3,434,401
By Issue Age
20-39 52.6 16.6 44.6 10 465,000 13,546 745,938,554 19 1,042,197
40-44 90.4 26.1 93.1 12 660,000 3,348 178,732,532 13 708,636
45-49 86.8 25.1 92.6 12 676,000 1,938 102,649,997 14 729,852
50-54 63.8 24.1 60.5 7 360,000 846 45,925,830 11 595,509
55+ 88.7 36.2 80.8 6 289,600 282 15,074,620 7 358,208
Total 73.6 10.7 71.4 47 2,450,600 19,959 1,088,321,532 64 3,434,401
By Attained Age
20-44 60.7 15.7 55.1 15 740,000 15,408 844,746,076 25 1,342,735
45-49 98.0 27.2 99.9 13 711,000 2,528 135,736,330 13 711,861
50-54 49.5 20.2 54.3 6 350,000 1,309 69,664,471 12 645,049
55-59 73.1 29.8 68.0 6 300,000 510 27,406,603 8 441,465
60+ 125.6 47.5 119.2 7 349,600 203 10,768,051 6 293,292
Total 73.6 10.7 71.4 47 2,450,600 19,959 1,088,321,532 64 3,434,401

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


TABLE 3.19     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 22.4 15.5 19.9 2 210,000 5,049 560,554,768 9 1,056,377
2 111.1 35.1 104.0 10 1,050,000 4,114 456,287,517 9 1,009,943
3 106.2 35.4 105.0 9 1,000,000 3,402 378,280,977 8 952,032
4 82.3 33.6 82.9 6 684,000 2,505 279,645,835 7 825,177
5 155.4 51.8 156.0 9 1,025,000 1,728 194,570,776 6 657,134
6 47.1 33.3 46.8 2 225,000 1,096 124,312,078 4 480,610
7+ 146.7 46.4 158.5 10 1,229,000 1,320 151,754,842 7 775,581
Total 94.3 13.6 94.2 48 5,423,000 19,213 2,145,406,794 51 5,756,853
By Issue Age
20-39 67.2 18.6 64.6 13 1,400,000 14,449 1,601,008,929 19 2,167,294
40-44 115.7 33.4 119.3 12 1,404,000 2,641 299,273,347 10 1,176,667
45-49 111.2 33.5 120.7 11 1,409,000 1,382 163,218,240 10 1,167,743
50-54 89.0 36.3 79.1 6 600,000 536 60,344,939 7 758,405
55-59 138.5 61.3 131.3 5 510,000 174 18,379,009 4 388,418
60+ 103.6 103.6 101.7 1 100,000 31 3,182,329 1 98,326
Total 94.3 13.6 94.2 48 5,423,000 19,213 2,145,406,794 51 5,756,853
By Attained Age
20-39 47.0 17.8 42.4 7 700,000 12,842 1,414,549,754 15 1,649,496
40-44 86.9 30.7 85.6 8 900,000 3,155 360,387,965 9 1,051,847
45-49 153.6 39.7 162.2 15 1,850,000 1,862 217,182,971 10 1,140,862
50-54 107.0 35.7 110.3 9 1,063,000 893 102,407,486 8 963,569
55-59 90.6 40.1 80.9 5 510,000 345 38,743,078 6 630,493
60+ 129.9 65.0 124.8 4 400,000 116 12,135,541 3 320,586
Total 94.3 13.6 94.2 48 5,423,000 19,213 2,145,406,794 51 5,756,853

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


TABLE 3.20     MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 179.2 126.7 194.2 2 750,000 444 150,372,020 1 386,125
2 102.5 102.5 74.7 1 250,000 365 120,636,818 1 334,827
3 98.0 98.0 85.0 1 300,000 325 109,684,511 1 352,875
4 110.8 110.8 77.3 1 250,000 265 90,806,959 1 323,306
5 0.0 0.0 0.0 0 0 194 65,776,550 1 240,269
6 0.0 0.0 0.0 0 0 135 45,602,809 1 195,502
7+ 0.0 0.0 0.0 0 0 216 73,861,254 1 419,972
Total 76.7 34.3 68.8 5 1,550,000 1,945 656,740,920 7 2,252,876
By Issue Age
20-24 0.0 0.0 0.0 0 0 104 31,218,369 0 20,262
25-29 0.0 0.0 0.0 0 0 265 81,701,758 0 77,800
30-34 0.0 0.0 0.0 0 0 436 151,778,623 1 227,413
35-39 178.4 126.1 147.3 2 550,000 470 156,255,531 1 373,289
40-44 68.7 68.7 45.0 1 250,000 359 132,723,696 1 555,273
45-49 111.7 79.0 131.5 2 750,000 234 75,293,970 2 570,330
50-54 0.0 0.0 0.0 0 0 48 18,668,973 1 239,105
55+ 0.0 0.0 0.0 0 0 28 9,100,000 1 189,404
Total 76.7 34.3 68.8 5 1,550,000 1,945 656,740,920 7 2,252,876
By Attained Age
20-24 0.0 0.0 0.0 0 0 62 18,636,035 0 10,956
25-29 0.0 0.0 0.0 0 0 187 56,065,504 0 45,097
30-34 0.0 0.0 0.0 0 0 319 104,647,849 0 121,170
35-39 129.1 129.1 113.6 1 300,000 444 151,050,871 1 264,143
40-44 150.3 106.3 107.6 2 500,000 455 158,685,295 1 464,742
45-49 131.4 92.9 139.0 2 750,000 284 100,724,309 2 539,717
50-54 0.0 0.0 0.0 0 0 134 45,747,723 1 430,890
55+ 0.0 0.0 0.0 0 0 60 21,183,333 1 376,161
Total 76.7 34.3 68.8 5 1,550,000 1,945 656,740,920 7 2,252,876

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


TABLE 3.21     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 9.7 6.8 9.1 2 38,000 6,118 128,337,118 21 416,992
2 40.9 14.5 46.6 8 185,000 5,325 112,595,832 20 396,890
3 83.2 21.5 86.1 15 319,000 4,519 96,659,639 18 370,400
4 100.8 26.0 82.4 15 255,755 3,407 73,544,776 15 310,273
5 90.7 28.7 90.6 10 210,000 2,305 49,965,573 11 231,747
6 85.5 34.9 100.9 6 150,000 1,367 29,867,914 7 148,724
7+ 141.5 44.7 120.7 10 188,674 1,077 24,760,766 7 156,255
Total 67.2 8.3 66.3 66 1,346,429 24,116 515,731,617 98 2,031,281
By Issue Age
20-24 103.5 73.2 131.8 2 50,000 2,498 49,132,848 2 37,939
25-29 76.9 44.4 89.0 3 75,000 3,362 72,944,195 4 84,302
30-34 83.2 37.2 86.6 5 115,000 3,300 72,902,265 6 132,754
35-39 28.2 16.3 38.4 3 97,000 3,782 89,631,072 11 252,299
40-44 70.4 19.5 74.7 13 300,000 4,325 94,451,381 18 401,671
45-49 67.4 16.8 60.1 16 298,000 3,738 77,907,898 24 495,488
50-54 54.3 17.2 53.5 10 191,429 2,030 39,550,934 18 357,484
55-59 92.7 29.3 76.9 10 145,000 841 14,805,039 11 188,465
60+ 92.4 46.2 92.7 4 75,000 241 4,405,986 4 80,879
Total 67.2 8.3 66.3 66 1,346,429 24,116 515,731,617 98 2,031,281
By Attained Age
20-24 96.0 96.0 122.1 1 25,000 1,525 29,950,516 1 20,469
25-29 32.3 32.3 38.4 1 25,000 3,126 65,808,828 3 65,114
30-34 82.9 41.5 94.6 4 100,000 3,187 69,835,394 5 105,691
35-39 62.0 27.7 73.8 5 137,000 3,471 79,967,309 8 185,757
40-44 60.9 20.3 62.9 9 210,000 4,167 94,571,217 15 333,743
45-49 59.6 16.5 59.8 13 273,000 4,064 85,423,931 22 456,881
50-54 45.7 14.4 45.6 10 205,000 2,788 57,398,538 22 449,172
55-59 76.0 22.9 63.5 11 171,429 1,293 24,205,564 14 270,036
60-64 162.4 51.3 152.0 10 155,000 397 6,557,122 6 101,957
65+ 97.9 69.2 106.0 2 45,000 98 2,013,197 2 42,461
Total 67.2 8.3 66.3 66 1,346,429 24,116 515,731,617 98 2,031,281

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


TABLE 3.22     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1-3 101.0 19.8 100.8 26 1,395,000 9,716 524,409,532 26 1,383,541
4 112.0 39.6 112.7 8 429,770 2,123 114,426,622 7 381,429
5 68.8 34.4 72.8 4 225,000 1,530 82,271,034 6 308,905
6 162.9 61.6 159.7 7 364,128 1,010 54,077,213 4 228,074
7+ 103.2 36.5 110.1 8 452,396 1,358 72,925,040 8 410,898
Total 104.4 14.3 105.7 53 2,866,294 15,737 848,109,442 51 2,712,847
By Issue Age
20-44 94.6 17.6 98.5 29 1,629,394 13,259 717,644,110 31 1,654,792
45-49 123.8 34.2 116.0 13 655,000 1,598 85,286,607 11 564,816
50-54 98.5 40.2 103.7 6 325,000 642 32,997,414 6 313,284
55+ 142.2 63.6 142.8 5 256,900 238 12,181,311 4 179,954
Total 104.4 14.3 105.7 53 2,866,294 15,737 848,109,442 51 2,712,847
By Attained Age
20-44 95.3 19.9 98.8 23 1,286,998 12,003 649,921,812 24 1,303,129
45-49 84.5 28.0 81.8 9 472,396 2,038 109,394,346 11 577,651
50-54 139.6 40.3 143.1 12 650,000 1,108 58,557,224 9 454,230
55-59 123.4 50.4 120.3 6 300,000 443 22,673,232 5 249,306
60+ 120.7 69.7 122.1 3 156,900 146 7,562,829 2 128,531
Total 104.4 14.3 105.7 53 2,866,294 15,737 848,109,442 51 2,712,847

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


TABLE 3.23     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 48.6 28.1 44.2 3 300,000 2,921 319,200,303 6 678,658
2 33.8 23.9 30.8 2 200,000 2,454 267,952,454 6 649,868
3 95.2 42.6 104.0 5 600,000 1,965 214,415,531 5 576,851
4 0.0 0.0 0.0 0 0 1,434 157,043,634 4 475,184
5 186.7 76.2 184.9 6 655,880 993 108,223,482 3 354,746
6 95.2 67.3 86.4 2 200,000 609 66,595,628 2 231,397
7+ 65.7 46.5 88.6 2 300,000 727 79,598,460 3 338,701
Total 66.6 14.9 68.2 20 2,255,880 11,103 1,213,029,492 30 3,305,404
By Issue Age
20-39 51.0 19.3 50.3 7 755,880 8,254 897,357,383 14 1,502,387
40-44 101.5 38.4 104.5 7 800,000 1,610 178,090,374 7 765,731
45-49 113.9 46.5 119.2 6 700,000 828 92,473,085 5 587,486
50-54 0.0 0.0 0.0 0 0 339 37,003,260 3 339,148
55+ 0.0 0.0 0.0 0 0 73 8,105,390 1 110,653
Total 66.6 14.9 68.2 20 2,255,880 11,103 1,213,029,492 30 3,305,404
By Attained Age
20-44 47.2 16.7 46.1 8 855,880 9,154 996,311,484 17 1,856,404
45-49 143.4 47.8 128.8 9 900,000 1,185 131,634,432 6 698,493
50-54 68.1 39.3 102.3 3 500,000 563 62,784,677 4 488,909
55-59 0.0 0.0 0.0 0 0 172 19,066,228 2 210,252
60+ 0.0 0.0 0.0 0 0 30 3,232,671 0 51,347
Total 66.6 14.9 68.2 20 2,255,880 11,103 1,213,029,492 30 3,305,404

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


TABLE 3.24     FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 153 49,301,590 0 137,449
2 0.0 0.0 0.0 0 0 124 37,617,157 0 119,544
3 544.8 385.2 847.1 2 1,000,000 108 32,968,938 0 118,051
4 0.0 0.0 0.0 0 0 94 29,291,239 0 104,871
5 0.0 0.0 0.0 0 0 61 18,417,904 0 72,293
6+ 0.0 0.0 0.0 0 0 92 26,689,402 0 122,763
Total 93.4 66.1 148.2 2 1,000,000 631 194,286,230 2 674,971
By Issue Age
20-24 0.0 0.0 0.0 0 0 35 10,250,194 0 8,281
25-29 1116.5 1116.5 1284.5 1 350,000 79 23,892,498 0 27,248
30-34 0.0 0.0 0.0 0 0 150 41,673,326 0 78,918
35-39 0.0 0.0 0.0 0 0 128 39,571,937 0 110,154
40-44 184.0 184.0 348.5 1 650,000 126 42,994,836 1 186,517
45+ 0.0 0.0 0.0 0 0 113 35,903,438 1 263,851
Total 93.4 66.1 148.2 2 1,000,000 631 194,286,230 2 674,971
By Attained Age
20-24 0.0 0.0 0.0 0 0 17 4,940,508 0 3,474
25-29 1390.7 1390.7 1632.9 1 350,000 73 21,554,503 0 21,435
30-34 0.0 0.0 0.0 0 0 99 28,431,266 0 42,728
35-39 0.0 0.0 0.0 0 0 147 44,260,084 0 102,332
40-44 0.0 0.0 0.0 0 0 125 38,971,830 0 138,944
45+ 88.8 88.8 177.6 1 650,000 171 56,128,039 1 366,058
Total 93.4 66.1 148.2 2 1,000,000 631 194,286,230 2 674,971

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


TABLE 3.25     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 15.4 2.7 15.5 31 728,361 46,242 1,078,294,792 204 4,687,696
2 40.4 4.4 43.4 84 2,090,373 42,322 994,516,436 208 4,814,063
3 42.9 4.6 44.8 87 2,131,772 36,984 874,987,258 204 4,758,820
4 49.1 5.2 50.3 88 2,128,399 29,297 696,887,646 180 4,233,402
5 44.7 5.6 45.4 63 1,522,300 20,573 493,796,367 141 3,355,446
6 59.4 7.9 61.0 57 1,406,249 12,578 304,798,873 96 2,305,889
7+ 46.9 6.6 50.4 51 1,380,500 11,389 285,384,237 109 2,737,026
Total 40.5 1.9 42.3 462 11,387,954 199,385 4,728,665,609 1,141 26,892,342
By Issue Age
20-24 59.0 24.1 82.5 6 175,000 13,935 289,780,238 10 212,207
25-29 70.2 17.0 72.7 17 395,000 22,945 514,999,202 24 542,967
30-34 42.0 10.2 48.9 17 465,000 24,961 585,564,477 40 950,995
35-39 36.5 7.3 41.2 25 702,331 27,195 666,922,071 69 1,705,280
40-44 46.1 5.9 49.2 62 1,660,150 32,281 806,970,910 134 3,375,670
45-49 39.4 4.2 40.1 87 2,234,801 32,705 821,232,678 221 5,579,801
50-54 36.2 3.7 35.7 98 2,342,920 25,282 609,572,273 271 6,564,740
55-59 41.7 4.2 45.4 96 2,325,971 14,351 316,753,244 231 5,121,165
60+ 38.2 5.2 38.3 53 1,086,781 5,732 116,870,516 139 2,839,518
Total 40.5 1.9 42.3 462 11,387,954 199,385 4,728,665,609 1,141 26,892,342
By Attained Age
20-24 58.6 33.8 71.1 3 75,000 7,921 162,542,751 5 105,443
25-29 77.1 20.6 88.4 14 355,000 20,168 445,062,178 18 401,430
30-34 28.0 9.3 27.0 9 200,000 23,717 546,582,769 32 741,781
35-39 36.4 8.3 45.6 19 574,000 25,367 609,041,151 52 1,258,607
40-44 53.4 7.3 56.0 53 1,387,615 30,164 747,016,211 100 2,479,179
45-49 36.6 4.6 37.7 64 1,652,743 32,412 810,710,785 175 4,379,062
50-54 39.4 4.0 40.5 96 2,437,044 28,450 700,188,395 245 6,010,005
55-59 34.3 3.6 35.2 90 2,153,246 19,574 456,429,917 263 6,111,720
60-64 45.9 5.2 47.8 77 1,763,155 8,624 189,525,062 168 3,691,350
65+ 43.3 7.2 46.1 36 790,151 2,988 61,566,389 83 1,713,766
Total 40.5 1.9 42.3 462 11,387,954 199,385 4,728,665,609 1,141 26,892,342

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


TABLE 3.26     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.2 3.9 33.2 67 3,718,500 60,546 3,285,533,375 209 11,188,040
2 46.1 4.6 46.6 99 5,384,957 55,049 2,999,590,860 215 11,564,582
3 47.4 4.7 46.1 100 5,267,940 48,064 2,628,329,108 212 11,421,710
4 56.1 5.3 55.9 110 5,929,474 39,651 2,173,004,606 196 10,612,751
5 58.0 6.0 57.1 94 5,017,527 29,444 1,615,029,930 162 8,785,510
6 49.7 6.5 50.1 59 3,214,725 19,318 1,059,196,727 119 6,422,064
7+ 63.4 5.8 63.8 118 6,394,323 24,372 1,326,965,285 186 10,016,882
Total 49.9 2.0 49.9 648 34,927,446 276,444 15,087,649,890 1,299 70,011,540
By Issue Age
20-24 38.5 19.3 39.7 4 225,000 14,074 770,148,147 10 567,165
25-29 61.9 13.2 66.9 22 1,313,823 33,354 1,843,931,674 36 1,963,717
30-34 43.3 7.9 44.6 30 1,705,005 42,150 2,327,270,750 69 3,825,934
35-39 49.4 6.1 49.9 65 3,651,710 50,313 2,790,447,538 132 7,312,292
40-44 54.4 4.8 54.3 126 6,855,592 54,648 2,977,349,095 232 12,627,494
45-49 55.0 4.3 54.3 167 8,864,803 43,658 2,348,307,939 304 16,323,371
50-54 42.9 3.9 42.5 122 6,419,036 25,736 1,367,090,582 284 15,108,540
55-59 51.5 5.5 51.5 86 4,594,477 9,926 526,353,476 168 8,920,751
60-64 44.9 9.2 44.3 24 1,248,000 2,284 120,631,399 53 2,817,546
65+ 9.9 9.9 9.2 1 50,000 301 16,119,289 10 544,730
Total 49.9 2.0 49.9 648 34,927,446 276,444 15,087,649,890 1,299 70,011,540
By Attained Age
20-24 41.6 29.4 37.9 2 100,000 7,423 407,656,041 5 263,676
25-29 63.8 16.5 70.9 15 913,823 26,034 1,430,586,972 24 1,289,380
30-34 45.2 9.4 45.9 23 1,287,371 37,746 2,083,385,038 51 2,805,926
35-39 36.3 6.3 38.2 33 1,926,096 44,354 2,454,933,885 91 5,039,284
40-44 49.3 5.3 49.5 85 4,705,399 52,781 2,904,658,922 173 9,514,018
45-49 59.7 4.8 59.3 154 8,283,931 48,299 2,619,995,569 258 13,979,178
50-54 45.6 3.9 45.0 135 7,118,349 34,552 1,845,998,796 296 15,834,228
55-59 51.2 4.6 50.5 124 6,510,000 17,898 950,806,289 243 12,899,128
60-64 50.9 6.6 51.2 59 3,159,477 5,861 310,431,148 116 6,168,371
65+ 40.7 9.9 41.6 17 923,000 1,496 79,197,230 42 2,218,350
Total 49.9 2.0 49.9 648 34,927,446 276,444 15,087,649,890 1,299 70,011,540

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


TABLE 3.27     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 31.6 3.6 32.0 75 8,722,500 85,502 9,738,797,964 238 27,242,022
2 57.5 4.8 55.8 141 15,694,942 78,220 8,921,147,777 245 28,119,999
3 62.0 5.1 62.6 151 17,455,000 68,641 7,853,364,522 243 27,868,694
4 62.1 5.3 61.3 136 15,433,885 54,728 6,271,721,432 219 25,183,031
5 61.2 5.9 63.1 109 12,896,538 39,400 4,514,838,981 178 20,438,251
6 63.1 7.0 59.4 82 8,888,417 25,868 2,971,594,554 130 14,964,194
7+ 65.9 5.6 67.7 137 16,233,455 31,653 3,648,758,844 208 23,993,682
Total 56.9 2.0 56.8 831 95,324,737 384,013 43,920,224,075 1,461 167,809,874
By Issue Age
20-24 76.3 21.2 72.3 13 1,367,500 23,338 2,591,233,759 17 1,890,451
25-29 75.7 11.0 74.9 47 5,210,000 58,112 6,516,127,687 62 6,958,249
30-34 59.9 6.8 62.6 77 9,194,742 78,839 9,011,263,274 128 14,682,435
35-39 56.8 5.3 58.8 114 13,611,333 79,034 9,122,732,686 201 23,158,943
40-44 58.3 4.5 57.5 166 19,032,750 67,809 7,871,120,192 285 33,082,673
45-49 52.9 4.1 53.6 163 18,968,885 43,919 5,038,524,460 308 35,370,387
50-54 56.5 4.6 55.5 148 16,809,205 22,786 2,620,037,749 263 30,302,505
55-59 50.8 5.9 48.5 75 8,155,322 8,365 947,299,973 148 16,804,458
60-64 53.9 11.5 53.8 22 2,475,000 1,561 174,118,376 41 4,600,535
65+ 58.7 26.2 52.1 5 500,000 250 27,765,919 9 959,237
Total 56.9 2.0 56.8 831 95,324,737 384,013 43,920,224,075 1,461 167,809,874
By Attained Age
20-24 61.0 27.3 59.5 5 542,500 12,718 1,415,491,358 8 911,842
25-29 79.2 14.2 76.4 31 3,335,000 43,517 4,851,954,839 39 4,364,576
30-34 54.9 7.7 55.5 51 5,844,742 69,197 7,843,048,922 93 10,524,093
35-39 64.5 6.4 66.6 101 11,986,333 77,743 8,939,190,823 157 18,005,773
40-44 55.6 4.9 56.1 130 15,207,000 72,663 8,428,083,800 234 27,104,287
45-49 54.1 4.3 53.5 155 17,710,750 53,818 6,213,661,421 287 33,097,059
50-54 53.5 4.3 53.5 152 17,558,885 32,649 3,756,664,723 285 32,839,019
55-59 51.9 4.8 52.0 116 13,344,405 15,813 1,805,876,348 224 25,686,486
60-64 68.5 8.2 65.5 69 7,495,122 4,777 541,166,835 101 11,449,089
65+ 59.0 13.2 60.1 20 2,300,000 1,117 125,085,005 34 3,827,650
Total 56.9 2.0 56.8 831 95,324,737 384,013 43,920,224,075 1,461 167,809,874

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


TABLE 3.28     TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 39.6 10.2 32.6 15 4,500,000 11,261 4,013,894,649 38 13,783,010
2 39.4 10.2 40.8 15 5,636,667 10,009 3,535,609,378 38 13,800,443
3 71.2 13.7 87.2 27 11,916,854 8,804 3,088,967,463 38 13,665,678
4 72.4 14.8 83.7 24 10,000,000 7,012 2,453,049,271 33 11,954,209
5 61.2 15.3 53.7 16 5,025,000 5,106 1,786,335,851 26 9,350,178
6 73.0 19.5 88.2 14 5,900,000 3,339 1,152,677,727 19 6,692,931
7+ 67.8 14.8 57.4 21 6,300,000 4,463 1,558,052,337 31 10,972,012
Total 59.1 5.1 61.4 132 49,278,521 49,995 17,588,586,676 223 80,218,461
By Issue Age
20-24 0.0 0.0 0.0 0 0 1,311 381,232,518 1 267,007
25-29 45.8 32.4 53.4 2 750,000 4,091 1,316,231,353 4 1,405,268
30-34 68.4 21.6 55.6 10 2,750,000 9,168 3,119,101,321 15 4,945,091
35-39 60.1 14.2 76.5 18 8,080,000 12,206 4,329,244,086 30 10,558,888
40-44 62.3 11.6 55.7 29 9,381,854 11,160 4,059,339,172 47 16,848,621
45-49 41.2 9.2 48.4 20 8,616,667 6,855 2,500,580,744 49 17,806,192
50-54 63.3 12.4 62.8 26 9,450,000 3,440 1,257,427,790 41 15,053,228
55-59 81.9 17.9 87.8 21 7,900,000 1,379 480,195,882 26 8,996,816
60-64 49.3 22.0 55.1 5 2,100,000 349 131,812,224 10 3,809,918
65+ 70.4 70.4 47.4 1 250,000 36 13,421,586 1 527,432
Total 59.1 5.1 61.4 132 49,278,521 49,995 17,588,586,676 223 80,218,461
By Attained Age
20-24 0.0 0.0 0.0 0 0 764 217,719,180 0 137,166
25-29 0.0 0.0 0.0 0 0 2,706 855,266,069 2 760,275
30-34 79.4 30.0 67.9 7 2,000,000 6,700 2,242,074,544 9 2,943,350
35-39 51.3 15.5 40.5 11 3,030,000 10,993 3,853,782,139 21 7,480,337
40-44 57.7 12.6 72.5 21 9,531,854 11,615 4,202,532,552 36 13,149,423
45-49 53.2 10.6 57.7 25 9,790,000 8,801 3,175,101,247 47 16,967,746
50-54 50.2 10.5 46.2 23 7,726,667 5,052 1,828,344,413 46 16,709,908
55-59 69.0 13.8 70.1 25 9,250,000 2,388 866,349,521 36 13,201,560
60+ 81.1 18.1 89.6 20 7,950,000 976 347,417,011 25 8,868,697
Total 59.1 5.1 61.4 132 49,278,521 49,995 17,588,586,676 223 80,218,461

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


TABLE 3.29     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 13.8 4.0 13.1 12 265,000 19,165 444,074,694 88 2,016,739
2 39.4 6.6 45.6 36 960,574 17,527 408,864,808 92 2,104,682
3 33.9 6.1 37.0 31 786,843 15,284 359,457,025 92 2,127,561
4 40.3 7.0 40.6 33 784,625 12,189 288,440,834 83 1,930,758
5 48.3 8.5 46.1 32 722,121 8,635 205,665,665 66 1,565,178
6 63.2 11.7 67.2 29 733,758 5,350 128,563,832 46 1,091,716
7+ 53.3 9.7 61.4 30 865,500 5,132 127,487,945 56 1,410,201
Total 39.0 2.7 41.8 204 5,118,421 83,282 1,962,554,805 523 12,246,836
By Issue Age
20-24 53.3 37.7 96.9 2 75,000 5,790 118,986,640 4 77,382
25-29 103.0 34.3 114.8 9 225,000 9,737 218,486,354 9 195,910
30-34 13.4 9.5 14.4 2 50,000 10,915 253,722,360 15 347,910
35-39 35.8 11.8 44.3 9 279,581 11,800 286,696,247 26 631,129
40-44 34.1 8.0 35.0 18 462,346 13,257 329,068,985 53 1,320,731
45-49 42.4 6.6 44.5 41 1,075,724 13,514 335,775,377 97 2,415,300
50-54 32.5 5.0 34.5 42 1,074,100 10,191 243,009,467 130 3,113,854
55-59 44.6 6.1 50.5 53 1,341,131 5,850 129,761,921 119 2,654,193
60+ 38.1 7.3 35.9 27 535,539 2,228 47,047,455 71 1,490,427
Total 39.0 2.7 41.8 204 5,118,421 83,282 1,962,554,805 523 12,246,836
By Attained Age
20-24 50.5 50.5 62.1 1 25,000 3,349 67,761,177 2 40,231
25-29 93.2 38.1 130.0 6 185,000 8,345 183,982,748 6 142,298
30-34 25.5 14.7 18.6 3 50,000 10,336 236,027,781 12 268,753
35-39 21.1 10.5 29.7 4 135,000 10,997 262,737,631 19 455,085
40-44 41.1 10.5 45.7 15 416,927 12,572 307,306,769 37 912,018
45-49 31.7 6.6 32.0 23 580,000 13,485 336,335,025 73 1,814,165
50-54 40.0 6.0 43.6 44 1,170,324 11,533 279,632,038 111 2,682,775
55-59 32.1 4.9 34.6 42 1,054,643 7,958 184,843,552 132 3,047,440
60-64 51.9 7.6 56.0 46 1,108,376 3,540 79,258,815 89 1,980,723
65+ 44.2 10.1 43.5 19 393,151 1,166 24,669,269 43 903,349
Total 39.0 2.7 41.8 204 5,118,421 83,282 1,962,554,805 523 12,246,836

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


TABLE 3.30     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.0 5.2 28.3 25 1,466,000 27,086 1,482,579,688 96 5,184,009
2 43.4 6.5 42.3 44 2,328,703 24,855 1,365,158,796 102 5,501,495
3 43.2 6.5 42.2 44 2,323,816 21,679 1,193,461,272 102 5,512,497
4 56.9 7.7 56.0 54 2,893,086 17,742 977,493,718 95 5,167,932
5 60.2 8.7 60.0 48 2,596,000 13,159 724,623,754 80 4,323,657
6 57.1 9.8 56.9 34 1,841,725 8,669 476,847,928 60 3,234,080
7+ 54.2 7.5 53.6 52 2,788,000 10,955 598,819,932 96 5,203,930
Total 47.8 2.8 47.6 301 16,237,330 124,145 6,818,985,087 630 34,127,600
By Issue Age
20-24 24.9 24.9 22.7 1 50,000 6,110 335,513,369 4 220,600
25-29 45.0 18.4 50.2 6 372,296 14,581 812,491,718 13 742,150
30-34 22.6 9.2 21.3 6 312,371 19,047 1,056,631,073 27 1,469,087
35-39 35.5 8.4 35.6 18 1,008,021 22,252 1,242,126,323 51 2,830,518
40-44 44.2 6.7 43.9 44 2,401,629 24,428 1,342,764,852 100 5,469,965
45-49 49.2 5.8 48.1 72 3,798,500 19,874 1,074,232,454 146 7,898,515
50-54 49.1 5.7 49.8 75 4,079,036 11,866 636,015,046 153 8,197,004
55-59 64.8 8.0 64.6 65 3,477,477 4,853 259,132,072 101 5,380,029
60-64 47.7 12.7 47.9 14 738,000 967 50,816,935 29 1,541,770
65+ 0.0 0.0 0.0 0 0 167 9,261,243 7 377,963
Total 47.8 2.8 47.6 301 16,237,330 124,145 6,818,985,087 630 34,127,600
By Attained Age
20-24 51.2 51.2 46.5 1 50,000 3,271 180,187,537 2 107,512
25-29 46.5 23.2 51.9 4 247,296 11,070 613,808,596 9 476,445
30-34 25.7 11.5 26.6 5 287,371 17,004 945,571,993 19 1,078,906
35-39 31.8 9.6 30.9 11 594,773 19,966 1,111,598,324 35 1,924,470
40-44 31.7 6.7 32.1 22 1,237,334 23,535 1,302,747,054 70 3,852,761
45-49 51.6 6.7 50.8 60 3,222,543 21,768 1,188,461,124 116 6,341,913
50-54 39.7 5.2 39.7 59 3,162,536 15,646 839,990,418 148 7,967,665
55-59 63.7 6.8 62.9 87 4,620,000 8,390 450,165,925 137 7,344,691
60-64 57.8 9.1 58.2 40 2,152,477 2,797 149,286,017 69 3,699,187
65+ 48.1 13.9 49.7 12 663,000 696 37,168,100 25 1,334,050
Total 47.8 2.8 47.6 301 16,237,330 124,145 6,818,985,087 630 34,127,600

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


TABLE 3.31     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 30.9 5.0 32.7 38 4,705,000 43,319 5,004,280,403 123 14,393,893
2 60.0 6.8 58.0 78 8,795,200 39,831 4,606,214,944 130 15,160,469
3 59.2 6.7 60.0 77 9,147,000 34,974 4,060,918,401 131 15,238,081
4 54.9 6.8 54.0 66 7,573,885 28,027 3,260,505,426 120 14,032,049
5 53.9 7.3 54.1 54 6,316,538 20,385 2,371,047,015 100 11,669,790
6 57.7 8.8 56.4 43 4,912,667 13,528 1,578,960,906 75 8,712,049
7+ 64.5 7.1 69.1 83 10,416,000 17,222 2,015,503,224 129 15,076,520
Total 54.4 2.6 55.0 440 51,866,290 197,286 22,897,430,319 808 94,282,851
By Issue Age
20-24 82.4 33.7 79.9 6 650,000 11,034 1,234,735,359 7 813,687
25-29 102.2 20.1 104.7 26 3,010,000 27,588 3,116,589,709 25 2,875,033
30-34 51.9 9.6 57.0 29 3,685,000 39,699 4,587,176,899 56 6,463,901
35-39 52.4 7.6 53.0 48 5,718,333 40,716 4,778,827,040 92 10,786,917
40-44 53.2 6.0 53.4 78 9,282,000 36,114 4,262,331,290 147 17,391,966
45-49 48.6 5.3 50.2 84 10,143,885 23,238 2,714,798,256 173 20,191,085
50-54 59.5 5.9 60.2 100 11,864,205 12,810 1,502,141,002 168 19,713,673
55-59 47.1 6.8 45.2 48 5,312,867 4,919 567,057,003 102 11,757,692
60-64 48.7 12.6 48.1 15 1,700,000 1,005 114,916,040 31 3,530,758
65+ 76.4 34.2 66.0 5 500,000 162 18,857,722 7 758,138
Total 54.4 2.6 55.0 440 51,866,290 197,286 22,897,430,319 808 94,282,851
By Attained Age
20-24 55.5 39.2 61.6 2 250,000 6,015 676,453,393 4 405,595
25-29 99.8 24.9 97.7 16 1,760,000 20,438 2,294,390,707 16 1,801,334
30-34 58.2 12.1 61.5 23 2,785,000 34,215 3,917,295,455 40 4,527,833
35-39 61.0 9.4 62.6 42 5,028,333 39,679 4,619,889,041 69 8,037,888
40-44 56.4 7.1 55.2 63 7,302,000 38,012 4,485,054,296 112 13,233,470
45-49 41.0 5.2 42.9 62 7,630,000 28,466 3,345,944,528 151 17,793,986
50-54 50.2 5.5 51.0 84 10,033,885 17,651 2,068,985,699 168 19,655,627
55-59 55.4 6.1 57.0 83 9,974,405 9,153 1,070,105,112 150 17,511,821
60-64 67.2 9.6 64.1 49 5,352,667 2,937 336,712,047 73 8,351,741
65+ 58.2 15.0 59.1 15 1,750,000 720 82,600,042 26 2,963,556
Total 54.4 2.6 55.0 440 51,866,290 197,286 22,897,430,319 808 94,282,851

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


TABLE 3.32     MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.3 10.0 24.9 7 2,500,000 7,625 2,825,642,869 27 10,040,277
2 36.6 11.6 35.4 10 3,626,667 6,851 2,511,689,479 27 10,259,064
3 83.1 17.3 97.7 23 10,116,854 6,080 2,214,147,334 28 10,357,766
4 61.2 15.8 67.0 15 6,150,000 4,879 1,776,093,375 25 9,183,730
5 40.8 14.4 41.4 8 3,000,000 3,610 1,310,748,463 20 7,242,347
6 68.2 21.6 73.2 10 3,850,000 2,380 847,519,219 15 5,257,997
7+ 46.5 14.0 39.8 11 3,450,000 3,163 1,144,344,554 24 8,677,171
Total 51.2 5.6 53.6 84 32,693,521 34,589 12,630,185,293 164 61,018,352
By Issue Age
20-24 0.0 0.0 0.0 0 0 823 242,697,289 1 160,187
25-29 0.0 0.0 0.0 0 0 2,459 802,193,110 2 767,632
30-34 45.6 22.8 32.2 4 1,000,000 6,063 2,137,411,662 9 3,103,004
35-39 46.5 15.5 69.6 9 4,905,000 8,463 3,091,409,069 19 7,049,968
40-44 55.3 13.0 49.0 18 6,021,854 7,956 3,017,205,312 33 12,281,169
45-49 36.3 10.1 37.1 13 5,116,667 4,897 1,878,966,077 36 13,783,253
50-54 51.6 12.5 52.0 17 6,400,000 2,563 961,958,325 33 12,301,645
55-59 81.4 19.7 91.7 17 6,900,000 1,020 368,800,822 21 7,523,868
60-64 52.9 23.6 59.2 5 2,100,000 312 117,205,374 9 3,547,470
65+ 75.1 75.1 50.0 1 250,000 33 12,338,253 1 500,156
Total 51.2 5.6 53.6 84 32,693,521 34,589 12,630,185,293 164 61,018,352
By Attained Age
20-24 0.0 0.0 0.0 0 0 468 134,504,711 0 81,040
25-29 0.0 0.0 0.0 0 0 1,645 526,370,334 1 423,846
30-34 79.1 39.6 57.1 4 1,000,000 4,265 1,470,731,508 5 1,750,352
35-39 22.8 13.1 18.9 3 905,000 7,453 2,699,607,898 13 4,779,900
40-44 48.9 14.1 66.1 12 6,121,854 8,246 3,102,813,020 25 9,264,941
45-49 41.8 11.2 40.6 14 5,090,000 6,277 2,352,063,328 33 12,544,388
50-54 48.8 11.8 44.8 17 5,926,667 3,646 1,383,550,650 35 13,237,736
55-59 60.5 14.3 60.5 18 6,700,000 1,810 677,232,615 30 11,081,005
60+ 74.4 18.6 88.5 16 6,950,000 778 283,311,230 22 7,855,145
Total 51.2 5.6 53.6 84 32,693,521 34,589 12,630,185,293 164 61,018,352

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


TABLE 3.33     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 16.6 3.8 17.3 19 463,361 27,077 634,220,098 116 2,670,957
2 41.2 5.9 41.7 48 1,129,799 24,796 585,651,628 116 2,709,381
3 50.2 6.7 51.1 56 1,344,929 21,700 515,530,233 112 2,631,258
4 56.7 7.6 58.4 55 1,343,774 17,109 408,446,811 97 2,302,644
5 41.6 7.5 44.7 31 800,179 11,938 288,130,702 75 1,790,267
6 56.0 10.6 55.4 28 672,491 7,228 176,235,041 50 1,214,173
7+ 40.1 8.7 38.8 21 515,000 6,256 157,896,292 52 1,326,826
Total 41.8 2.6 42.8 258 6,269,533 116,103 2,766,110,804 619 14,645,506
By Issue Age
20-24 62.4 31.2 74.2 4 100,000 8,144 170,793,598 6 134,824
25-29 51.7 18.3 49.0 8 170,000 13,209 296,512,848 15 347,057
30-34 58.8 15.2 68.8 15 415,000 14,046 331,842,117 26 603,085
35-39 36.9 9.2 39.4 16 422,750 15,394 380,225,824 43 1,074,150
40-44 54.0 8.1 58.3 44 1,197,804 19,024 477,901,925 82 2,054,939
45-49 37.0 5.5 36.6 46 1,159,077 19,190 485,457,301 125 3,164,501
50-54 39.6 5.3 36.8 56 1,268,820 15,091 366,562,805 142 3,450,886
55-59 38.5 5.9 39.9 43 984,840 8,501 186,991,323 112 2,466,973
60+ 38.3 7.5 40.9 26 551,242 3,503 69,823,061 68 1,349,091
Total 41.8 2.6 42.8 258 6,269,533 116,103 2,766,110,804 619 14,645,506
By Attained Age
20-24 63.8 45.1 76.7 2 50,000 4,571 94,781,574 3 65,212
25-29 68.2 24.1 65.6 8 170,000 11,823 261,079,431 12 259,132
30-34 29.5 12.0 31.7 6 150,000 13,381 310,554,988 20 473,028
35-39 45.1 11.6 54.6 15 439,000 14,371 346,303,520 33 803,522
40-44 60.8 9.9 61.9 38 970,688 17,592 439,709,443 63 1,567,162
45-49 40.1 6.3 41.8 41 1,072,743 18,927 474,375,760 102 2,564,897
50-54 39.0 5.4 38.1 52 1,266,720 16,917 420,556,357 134 3,327,230
55-59 36.5 5.3 35.9 48 1,098,603 11,616 271,586,365 132 3,064,281
60-64 39.2 7.0 38.3 31 654,779 5,084 110,266,247 79 1,710,627
65+ 42.3 10.3 49.0 17 397,000 1,822 36,897,120 40 810,417
Total 41.8 2.6 42.8 258 6,269,533 116,103 2,766,110,804 619 14,645,506

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


TABLE 3.34     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 37.5 5.8 37.5 42 2,252,500 33,460 1,802,953,687 112 6,004,031
2 48.6 6.6 50.4 55 3,056,254 30,195 1,634,432,064 113 6,063,088
3 51.2 6.8 49.8 56 2,944,124 26,385 1,434,867,836 110 5,909,213
4 55.5 7.4 55.8 56 3,036,388 21,909 1,195,510,888 101 5,444,820
5 55.8 8.2 54.3 46 2,421,527 16,285 890,406,176 83 4,461,853
6 42.4 8.5 43.1 25 1,373,000 10,649 582,348,799 59 3,187,984
7+ 73.3 9.0 74.9 66 3,606,323 13,417 728,145,352 90 4,812,952
Total 51.9 2.8 52.1 347 18,690,116 152,299 8,268,664,803 668 35,883,940
By Issue Age
20-24 47.2 27.2 50.5 3 175,000 7,964 434,634,778 6 346,565
25-29 72.0 18.0 77.1 16 941,527 18,773 1,031,439,956 22 1,221,566
30-34 56.1 11.4 59.1 24 1,392,634 23,104 1,270,639,677 43 2,356,847
35-39 58.1 8.5 59.0 47 2,643,689 28,061 1,548,321,215 81 4,481,773
40-44 62.1 6.8 62.2 82 4,453,963 30,220 1,634,584,243 132 7,157,529
45-49 60.3 6.2 60.1 95 5,066,303 23,784 1,274,075,485 157 8,424,856
50-54 35.8 5.2 33.9 47 2,340,000 13,870 731,075,536 131 6,911,536
55-59 31.5 6.8 31.5 21 1,117,000 5,073 267,221,404 67 3,540,721
60-64 41.6 13.1 40.0 10 510,000 1,317 69,814,464 24 1,275,777
65+ 30.7 30.7 30.0 1 50,000 134 6,858,046 3 166,768
Total 51.9 2.8 52.1 347 18,690,116 152,299 8,268,664,803 668 35,883,940
By Attained Age
20-24 35.0 35.0 32.0 1 50,000 4,152 227,468,503 3 156,164
25-29 73.8 22.2 82.0 11 666,527 14,964 816,778,375 15 812,935
30-34 57.1 13.5 57.9 18 1,000,000 20,742 1,137,813,046 32 1,727,020
35-39 39.1 8.3 42.7 22 1,331,323 24,388 1,343,335,562 57 3,114,814
40-44 61.2 7.7 61.3 63 3,468,065 29,247 1,601,911,868 103 5,661,257
45-49 66.3 6.8 66.3 94 5,061,388 26,530 1,431,534,445 142 7,637,266
50-54 51.4 5.9 50.3 76 3,955,813 18,905 1,006,008,378 148 7,866,564
55-59 35.1 5.8 34.0 37 1,890,000 9,508 500,640,365 106 5,554,438
60-64 40.7 9.3 40.8 19 1,007,000 3,064 161,145,131 47 2,469,184
65+ 29.7 13.3 29.4 5 260,000 799 42,029,130 17 884,300
Total 51.9 2.8 52.1 347 18,690,116 152,299 8,268,664,803 668 35,883,940

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


TABLE 3.35     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 32.3 5.3 31.3 37 4,017,500 42,184 4,734,517,561 114 12,848,129
2 54.7 6.9 53.2 63 6,899,742 38,390 4,314,932,833 115 12,959,530
3 65.3 7.6 65.8 73 8,308,000 33,667 3,792,446,121 112 12,630,614
4 70.7 8.5 70.5 70 7,860,000 26,701 3,011,216,006 99 11,150,982
5 70.5 9.5 75.0 55 6,580,000 19,014 2,143,791,966 78 8,768,461
6 70.2 11.2 63.6 39 3,975,750 12,340 1,392,633,649 56 6,252,145
7+ 68.3 9.3 65.2 54 5,817,455 14,432 1,633,255,619 79 8,917,162
Total 59.9 3.0 59.1 391 43,458,447 186,727 21,022,793,756 653 73,527,023
By Issue Age
20-24 71.7 27.1 66.6 7 717,500 12,304 1,356,498,400 10 1,076,765
25-29 57.3 12.5 53.9 21 2,200,000 30,524 3,399,537,978 37 4,083,216
30-34 66.1 9.5 67.0 48 5,509,742 39,140 4,424,086,376 73 8,218,534
35-39 60.5 7.4 63.8 66 7,893,000 38,318 4,343,905,646 109 12,372,026
40-44 63.8 6.8 62.1 88 9,750,750 31,695 3,608,788,903 138 15,690,707
45-49 58.4 6.6 58.1 79 8,825,000 20,681 2,323,726,204 135 15,179,302
50-54 51.0 7.3 46.7 48 4,945,000 9,977 1,117,896,746 95 10,588,832
55-59 59.2 11.4 56.3 27 2,842,455 3,445 380,242,970 46 5,046,766
60-64 69.7 26.3 72.4 7 775,000 555 59,202,336 10 1,069,776
65+ 0.0 0.0 0.0 0 0 88 8,908,197 2 201,098
Total 59.9 3.0 59.1 391 43,458,447 186,727 21,022,793,756 653 73,527,023
By Attained Age
20-24 65.3 37.7 57.8 3 292,500 6,703 739,037,965 5 506,247
25-29 64.9 16.8 61.4 15 1,575,000 23,079 2,557,564,132 23 2,563,242
30-34 52.4 9.9 51.0 28 3,059,742 34,982 3,925,753,467 53 5,996,261
35-39 67.2 8.7 69.8 59 6,958,000 38,064 4,319,301,782 88 9,967,884
40-44 55.0 6.7 57.0 67 7,905,000 34,650 3,943,029,504 122 13,870,817
45-49 68.7 7.1 65.9 93 10,080,750 25,353 2,867,716,893 135 15,303,073
50-54 58.2 7.1 57.1 68 7,525,000 14,998 1,687,679,024 117 13,183,392
55-59 44.6 7.8 41.2 33 3,370,000 6,660 735,771,237 74 8,174,665
60-64 71.7 16.0 69.2 20 2,142,455 1,840 204,454,789 28 3,097,348
65+ 61.6 27.6 63.7 5 550,000 398 42,484,963 8 864,095
Total 59.9 3.0 59.1 391 43,458,447 186,727 21,022,793,756 653 73,527,023

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


TABLE 3.36     FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 70.8 25.0 53.4 8 2,000,000 3,636 1,188,251,780 11 3,742,733
2 46.5 20.7 56.8 5 2,010,000 3,159 1,023,919,899 11 3,541,379
3 39.1 19.5 54.4 4 1,800,000 2,724 874,820,129 10 3,307,912
4 104.1 34.7 139.0 9 3,850,000 2,133 676,955,896 9 2,770,478
5+ 119.7 25.5 118.6 22 6,925,000 3,755 1,194,453,679 18 5,837,606
Total 80.9 11.7 86.4 48 16,585,000 15,406 4,958,401,383 59 19,200,109
By Issue Age
20-24 0.0 0.0 0.0 0 0 488 138,535,229 0 106,819
25-29 98.9 69.9 117.6 2 750,000 1,632 514,038,243 2 637,636
30-34 102.8 42.0 95.0 6 1,750,000 3,105 981,689,660 6 1,842,087
35-39 84.8 28.3 90.5 9 3,175,000 3,743 1,237,835,018 11 3,508,921
40-44 78.4 23.6 73.6 11 3,360,000 3,204 1,042,133,860 14 4,567,452
45-49 54.9 20.7 87.0 7 3,500,000 1,957 621,614,667 13 4,022,939
50-54 110.1 36.7 110.8 9 3,050,000 878 295,469,465 8 2,751,583
55-59 84.1 42.1 67.9 4 1,000,000 359 111,395,060 5 1,472,948
60+ 0.0 0.0 0.0 0 0 40 15,690,183 1 289,723
Total 80.9 11.7 86.4 48 16,585,000 15,406 4,958,401,383 59 19,200,109
By Attained Age
20-24 0.0 0.0 0.0 0 0 296 83,214,469 0 56,125
25-29 0.0 0.0 0.0 0 0 1,060 328,895,735 1 336,429
30-34 79.7 46.0 83.8 3 1,000,000 2,435 771,343,036 4 1,192,998
35-39 96.8 34.2 78.7 8 2,125,000 3,539 1,154,174,241 8 2,700,438
40-44 75.9 25.2 87.8 9 3,410,000 3,369 1,099,719,532 12 3,884,481
45-49 81.1 24.4 106.3 11 4,700,000 2,524 823,037,919 14 4,423,358
50-54 54.7 22.3 51.8 6 1,800,000 1,406 444,793,763 11 3,472,172
55-59 107.8 40.7 120.3 7 2,550,000 578 189,116,907 6 2,120,555
60+ 127.4 63.7 98.7 4 1,000,000 198 64,105,781 3 1,013,552
Total 80.9 11.7 86.4 48 16,585,000 15,406 4,958,401,383 59 19,200,109

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


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

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


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

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


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

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


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

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


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

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


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

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


TABLE 4.7     TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 63.9 1.6 71.9 1,528 138,933,878 908,914 81,315,709,959 2,392 193,325,758
Cardio 33.1 1.7 34.3 394 36,042,562 908,914 81,315,709,959 1,189 105,095,674
Organ 7.6 2.3 6.5 11 844,477 896,902 80,355,082,543 144 12,956,275
Neuro 29.7 3.0 41.1 96 10,972,291 896,808 80,348,232,475 323 26,727,125
Accident/Infectious 52.6 10.3 50.1 26 2,195,000 898,426 80,458,117,509 49 4,377,232
LOIE 0.0 0.0 0.0 0 0 140,218 13,267,321,553 8 734,884
Non-LT 96.9 22.8 112.5 18 1,930,450 411,569 9,231,265,916 19 1,715,268
Total 50.3 1.1 55.3 2,073 190,918,658 5,061,751 426,291,439,915 4,125 344,932,217

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


TABLE 4.8     TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 64.7 2.6 70.4 636 64,722,384 438,799 44,303,305,000 983 91,972,691
Cardio 35.2 2.0 36.3 309 30,434,302 438,799 44,303,305,000 877 83,756,889
Organ 10.2 3.4 7.2 9 629,477 432,331 43,734,954,856 88 8,783,741
Neuro 35.0 5.1 55.5 47 7,144,549 432,290 43,731,836,248 134 12,871,494
Accident/Infectious 43.6 12.6 44.3 12 1,210,000 433,140 43,792,221,991 28 2,731,089
LOIE 0.0 0.0 0.0 0 0 66,316 7,357,007,180 4 436,137
Non-LT 141.7 35.8 158.0 16 1,774,850 203,512 5,082,132,443 11 1,123,598
Total 48.4 1.5 52.5 1,029 105,915,562 2,445,186 232,304,762,718 2,125 201,675,640

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


TABLE 4.9     TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Claim Impairment
Cancer 63.3 2.1 73.2 892 74,211,494 470,115 37,012,404,959 1,409 101,353,067
Cardio 27.3 3.0 26.3 85 5,608,260 470,115 37,012,404,959 312 21,338,785
Organ 3.6 2.5 5.2 2 215,000 464,571 36,620,127,687 56 4,172,534
Neuro 25.9 3.7 27.6 49 3,827,742 464,519 36,616,396,227 189 13,855,632
Accident/Infectious 63.9 17.1 59.8 14 985,000 465,286 36,665,895,518 22 1,646,143
LOIE 0.0 0.0 0.0 0 0 73,902 5,910,314,374 4 298,747
Non-LT 30.6 20.2 26.3 2 155,600 208,057 4,149,133,473 7 591,670
Total 52.2 1.6 59.3 1,044 85,003,096 2,616,565 193,986,677,197 2,000 143,256,578

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


TABLE 5.1     HEART ATTACK EXPERIENCE
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.7 5.5 41.1 38 3,942,500 232,695 19,933,297,203 113 9,591,563
2 27.9 4.9 22.1 33 2,225,000 210,073 17,951,429,877 118 10,081,570
3 41.4 5.9 46.7 49 4,753,807 182,763 15,695,221,044 118 10,187,783
4 39.7 6.1 38.7 43 3,606,303 146,065 12,547,122,834 108 9,328,863
5 37.2 6.5 30.6 33 2,346,527 105,135 9,073,249,404 89 7,662,030
6 57.2 9.4 59.8 37 3,382,771 67,750 5,912,499,374 65 5,657,580
7+ 40.4 6.4 42.3 40 3,910,000 79,183 7,344,916,233 99 9,238,841
Total 38.5 2.3 39.1 273 24,166,908 1,023,663 88,457,735,968 709 61,748,230

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


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

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


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

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


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

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


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

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


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

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


TABLE 5.7     HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 25.7 5.0 36.2 26 3,245,000 203,192 18,112,851,951 101 8,955,889
2 20.6 4.4 17.8 22 1,680,000 185,355 16,448,436,166 107 9,459,030
3 34.4 5.6 42.7 37 4,084,742 162,325 14,444,161,397 108 9,576,883
4 34.3 5.9 33.7 34 2,961,303 130,610 11,593,811,884 99 8,783,160
5 33.1 6.4 27.8 27 2,011,527 94,490 8,409,563,108 82 7,226,169
6 47.1 8.9 55.5 28 2,960,143 61,082 5,487,979,751 59 5,331,595
7+ 35.2 6.2 39.2 32 3,400,000 71,859 6,818,905,702 91 8,680,662
Total 31.8 2.2 35.1 206 20,342,715 908,914 81,315,709,959 647 58,013,388

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


TABLE 5.8     MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 29.9 6.2 37.3 23 2,735,000 96,994 9,754,163,601 77 7,333,945
2 22.1 5.2 20.1 18 1,560,000 88,932 8,890,378,271 81 7,744,497
3 34.3 6.5 45.7 28 3,576,742 77,931 7,827,118,783 82 7,825,913
4 40.1 7.3 37.5 30 2,685,000 62,795 6,302,057,445 75 7,153,363
5 39.0 8.0 31.2 24 1,835,000 45,772 4,611,859,360 62 5,874,586
6 60.0 11.6 66.0 27 2,860,143 29,915 3,031,726,884 45 4,334,217
7+ 41.7 7.7 44.6 29 3,165,000 36,460 3,886,000,656 70 7,097,481
Total 36.4 2.7 38.9 179 18,416,885 438,799 44,303,305,000 491 47,364,002

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


TABLE 5.9     FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 12.4 7.2 31.4 3 510,000 106,198 8,358,688,350 24 1,621,945
2 15.6 7.8 7.0 4 120,000 96,423 7,558,057,895 26 1,714,533
3 34.6 11.5 29.0 9 508,000 84,394 6,617,042,614 26 1,750,970
4 16.6 8.3 17.0 4 276,303 67,815 5,291,754,439 24 1,629,797
5 15.1 8.7 13.1 3 176,527 48,718 3,797,703,749 20 1,351,583
6 6.9 6.9 10.0 1 100,000 31,168 2,456,252,867 15 997,379
7+ 14.0 8.1 14.8 3 235,000 35,399 2,932,905,046 21 1,583,180
Total 17.3 3.3 18.1 27 1,925,830 470,115 37,012,404,959 156 10,649,386

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


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

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


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

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


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

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


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

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


TABLE 6.5     MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 34.9 14.2 64.2 6 655,000 16,526 1,118,481,939 17 1,019,773
2 91.9 23.7 106.7 15 1,025,000 13,617 911,772,607 16 960,643
3 98.5 25.4 102.5 15 946,008 11,154 761,273,965 15 923,150
4 76.0 24.0 55.7 10 455,531 8,398 579,012,445 13 817,228
5 97.0 30.7 120.0 10 779,600 5,757 404,808,303 10 649,772
6 39.4 22.8 20.2 3 100,000 3,640 261,811,988 8 494,599
7+ 94.2 27.2 110.0 12 1,010,000 4,113 334,203,743 13 918,445
Total 76.7 9.1 86.0 71 4,971,139 63,205 4,371,364,991 93 5,783,610

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


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

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


TABLE 6.7     LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 33.9 3.0 39.6 129 11,959,361 203,192 18,112,851,951 381 30,209,216
2 64.8 4.1 72.2 255 22,513,423 185,355 16,448,436,166 394 31,199,650
3 66.5 4.1 77.2 260 24,082,477 162,325 14,444,161,397 391 31,180,879
4 73.1 4.5 82.9 260 23,507,820 130,610 11,593,811,884 355 28,362,689
5 71.7 5.0 79.4 207 18,310,079 94,490 8,409,563,108 289 23,074,994
6 70.6 5.8 82.0 147 13,859,667 61,082 5,487,979,751 208 16,903,831
7+ 75.0 4.9 76.7 233 20,815,778 71,859 6,818,905,702 311 27,140,314
Total 64.0 1.7 71.8 1,491 135,048,605 908,914 81,315,709,959 2,329 188,071,574

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


TABLE 6.8     MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 26.6 4.3 35.0 38 4,655,000 96,994 9,754,163,601 143 13,283,635
2 74.8 7.0 81.0 114 11,410,559 88,932 8,890,378,271 152 14,090,045
3 67.4 6.6 87.4 105 12,639,524 77,931 7,827,118,783 156 14,454,182
4 70.1 6.9 74.5 102 10,008,961 62,795 6,302,057,445 146 13,435,253
5 72.1 7.7 72.6 88 8,114,900 45,772 4,611,859,360 122 11,184,615
6 67.1 8.6 74.8 61 6,306,667 29,915 3,031,726,884 91 8,431,652
7+ 73.8 7.0 69.3 110 10,207,000 36,460 3,886,000,656 149 14,719,438
Total 64.5 2.6 70.7 618 63,342,611 438,799 44,303,305,000 959 89,598,819

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


TABLE 6.9     FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 38.2 4.0 43.2 91 7,304,361 106,198 8,358,688,350 238 16,925,582
2 58.5 4.9 64.9 141 11,102,864 96,423 7,558,057,895 241 17,109,605
3 65.9 5.3 68.4 155 11,442,953 84,394 6,617,042,614 235 16,726,697
4 75.3 6.0 90.4 158 13,498,859 67,815 5,291,754,439 210 14,927,436
5 71.3 6.5 85.7 119 10,195,179 48,718 3,797,703,749 167 11,890,379
6 73.3 7.9 89.2 86 7,553,000 31,168 2,456,252,867 117 8,472,180
7+ 76.0 6.9 85.4 123 10,608,778 35,399 2,932,905,046 162 12,420,876
Total 63.7 2.2 72.8 873 71,705,994 470,115 37,012,404,959 1,370 98,472,755

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


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

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


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

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


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

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


TABLE 7.4     STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 29,502 1,820,445,252 5 277,219
2 61.5 35.5 32.1 3 85,000 24,718 1,502,993,710 5 264,482
3 87.8 43.9 146.3 4 370,000 20,438 1,251,059,646 5 252,835
4 128.0 57.3 107.8 5 239,000 15,455 953,310,949 4 221,673
5 32.9 32.9 71.6 1 125,000 10,645 663,686,296 3 174,530
6 138.8 80.1 116.9 3 150,000 6,667 424,519,623 2 128,346
7+ 90.8 52.4 81.7 3 179,000 7,325 526,010,531 3 219,206
Total 70.5 16.2 74.6 19 1,148,000 114,750 7,142,026,009 27 1,538,290

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


TABLE 7.5     MALE STROKE EXPERIENCE -- SMOKERS
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 0.0 0.0 0.0 0 0 16,526 1,118,481,939 3 182,553
2 34.0 34.0 28.7 1 50,000 13,617 911,772,607 3 174,404
3 109.2 63.1 204.3 3 345,000 11,154 761,273,965 3 168,864
4 126.8 73.2 113.0 3 169,000 8,398 579,012,445 2 149,536
5 54.1 54.1 105.1 1 125,000 5,757 404,808,303 2 118,884
6 73.9 73.9 55.7 1 50,000 3,640 261,811,988 1 89,760
7+ 92.7 65.6 81.1 2 129,000 4,113 334,203,743 2 159,116
Total 66.7 20.1 83.2 11 868,000 63,205 4,371,364,991 16 1,043,117

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


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

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


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

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


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

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


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

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


TABLE 9.1     TOTAL EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 49.2 3.0 55.3 272 24,392,547 135,726 11,472,537,059 553 44,105,802
2005 51.7 2.7 56.8 379 33,409,514 175,632 14,942,007,240 733 58,867,640
2006 50.1 2.4 53.6 454 39,379,868 208,950 17,992,119,002 905 73,408,982
2007 56.4 2.3 62.7 607 55,079,901 239,005 20,719,905,965 1,076 87,864,512
2008 53.7 2.1 55.7 670 57,221,885 265,397 23,341,820,552 1,249 102,741,937
Total 52.7 1.1 57.1 2,382 209,483,715 1,024,712 88,468,389,818 4,516 366,988,872

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


TABLE 9.2     MALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 49.7 4.2 55.8 142 14,366,902 66,988 6,351,907,146 286 25,764,830
2005 50.6 3.7 54.1 191 18,577,893 86,190 8,219,583,650 378 34,353,004
2006 48.8 3.2 53.5 228 22,996,510 102,559 9,902,203,705 468 43,019,395
2007 55.4 3.2 60.6 309 31,245,783 117,144 11,380,118,562 557 51,554,761
2008 50.3 2.8 49.4 326 29,824,928 129,707 12,827,449,228 647 60,315,802
Total 51.2 1.5 54.4 1,196 117,012,016 502,589 48,681,262,291 2,336 215,007,792

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


TABLE 9.3     FEMALE EXPERIENCE -- POLICY YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Study Year
2004 48.6 4.3 54.7 130 10,025,645 68,739 5,120,629,913 268 18,340,973
2005 52.9 3.9 60.5 188 14,831,621 89,442 6,722,423,590 355 24,514,636
2006 51.5 3.4 53.9 225 16,383,358 106,391 8,089,915,297 437 30,389,587
2007 57.3 3.3 65.6 298 23,834,118 121,861 9,339,787,403 519 36,309,751
2008 57.3 3.1 64.6 344 27,396,957 135,690 10,514,371,324 601 42,426,135
Total 54.4 1.6 60.8 1,185 92,471,699 522,123 39,787,127,527 2,181 151,981,080

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


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

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


TABLE 10.2     MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By Duration
1 20.6 6.2 23.9 11 1,605,000 10,536 1,565,059,525 53 6,726,648
2 39.3 8.5 26.8 21 1,805,000 9,274 1,379,020,291 54 6,738,695
3 58.5 10.7 118.5 30 7,331,854 7,773 1,135,857,790 51 6,186,598
4 67.6 12.3 66.6 30 3,220,000 6,249 853,284,306 44 4,837,342
5 63.8 13.3 76.0 23 2,580,000 4,467 547,771,758 36 3,393,416
6 30.6 10.8 25.3 8 558,615 2,794 304,571,409 26 2,208,822
7+ 69.6 11.3 77.3 38 3,452,500 4,844 489,259,197 55 4,463,583
Total 50.4 4.0 59.5 161 20,552,969 45,937 6,274,824,277 320 34,555,104
By Issue Age
20-24 249.3 176.3 201.2 2 200,000 1,174 144,917,787 1 99,416
25-29 106.5 61.5 114.1 3 450,000 2,949 411,785,700 3 394,433
30-34 27.6 19.5 21.4 2 250,000 4,974 801,473,287 7 1,165,913
35-39 41.1 15.5 91.6 7 2,550,000 7,297 1,228,114,660 17 2,784,090
40-44 53.0 11.6 55.1 21 3,356,854 9,489 1,527,397,251 40 6,086,989
45-49 54.3 9.1 53.9 36 4,411,115 8,916 1,157,544,489 66 8,182,523
50-54 45.4 7.0 44.8 42 3,742,500 7,063 665,658,402 93 8,357,949
55-59 55.2 9.1 64.4 37 3,457,500 3,236 267,577,411 67 5,365,765
60-64 46.3 14.6 112.4 10 2,035,000 727 62,408,546 22 1,811,105
65+ 22.6 22.6 32.6 1 100,000 112 7,946,744 4 306,920
Total 50.4 4.0 59.5 161 20,552,969 45,937 6,274,824,277 320 34,555,104
By Attained Age
20-24 0.0 0.0 0.0 0 0 665 80,953,918 0 50,848
25-29 170.3 98.3 168.2 3 400,000 2,160 290,306,099 2 237,846
30-34 62.7 36.2 47.2 3 350,000 3,997 617,670,438 5 742,212
35-39 18.1 12.8 10.4 2 200,000 6,147 1,066,492,111 11 1,918,497
40-44 61.7 15.4 101.3 16 4,496,854 8,448 1,447,161,230 26 4,439,480
45-49 48.5 9.9 44.5 24 3,132,500 9,108 1,307,154,353 49 7,046,420
50-54 45.8 7.8 47.9 34 3,833,615 7,693 836,189,997 74 8,002,209
55-59 48.9 7.5 54.8 42 4,065,000 5,261 452,613,276 86 7,413,652
60-64 53.9 10.4 83.2 27 3,090,000 2,006 147,953,176 50 3,712,123
65+ 63.1 20.0 99.3 10 985,000 450 28,329,679 16 991,815
Total 50.4 4.0 59.5 161 20,552,969 45,937 6,274,824,277 320 34,555,104

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


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

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


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

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


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

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


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

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


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

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


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

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


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

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


TABLE 11.1     EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 75.3 14.2 79.3 28 3,095,000 4,702 500,751,566 37 3,903,863
1997 65.5 9.1 67.2 52 4,985,000 9,199 910,826,052 79 7,420,602
1998 65.4 7.7 54.4 73 5,655,115 14,439 1,433,108,571 112 10,388,148
1999 58.9 5.7 69.2 108 10,878,525 26,630 2,456,374,056 183 15,722,089
2000 58.8 4.5 65.1 170 15,317,841 47,481 4,165,654,735 289 23,521,575
2001 61.6 3.2 62.9 368 30,247,381 114,620 9,903,434,744 597 48,088,768
2002 60.8 2.9 66.7 448 38,458,029 158,968 13,231,091,286 737 57,698,276
2003 50.7 2.4 57.1 450 40,166,696 212,757 17,954,514,606 887 70,347,941
2004 46.0 2.5 49.8 330 28,933,788 184,634 15,852,771,598 719 58,118,376
2005 45.6 3.2 47.0 209 17,706,840 126,474 11,099,042,504 458 37,701,820
2006 38.0 3.7 43.1 108 9,830,500 84,066 7,283,714,537 284 22,793,637
2007 26.5 4.5 32.4 34 3,509,000 40,374 3,625,633,976 130 10,836,292
Total 52.7 1.1 57.0 2,379 208,783,715 1,024,343 88,416,918,231 4,513 366,541,387

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


TABLE 11.2     MALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 75.4 18.3 77.3 17 1,995,000 2,499 295,936,060 23 2,580,102
1997 67.3 11.7 68.4 33 3,460,000 5,017 559,134,020 49 5,059,474
1998 60.9 9.5 49.9 41 3,445,115 7,686 850,911,292 67 6,897,690
1999 58.6 7.5 64.7 61 6,410,000 13,714 1,406,044,150 104 9,910,765
2000 54.2 5.8 56.4 86 8,032,218 23,877 2,325,451,634 159 14,240,466
2001 58.0 4.3 57.1 180 16,304,981 56,086 5,489,686,419 310 28,575,694
2002 62.9 4.1 66.8 241 22,550,275 77,907 7,262,900,862 383 33,744,060
2003 47.8 3.3 55.1 214 22,252,710 103,153 9,829,542,739 448 40,380,256
2004 42.9 3.5 47.6 154 15,731,977 89,435 8,573,985,811 358 33,042,640
2005 44.4 4.4 44.1 102 9,487,240 62,151 6,083,041,613 229 21,527,866
2006 35.1 5.0 35.9 49 4,557,500 41,284 3,974,397,765 140 12,692,966
2007 25.8 6.4 36.2 16 2,185,000 19,541 1,995,468,678 63 6,038,357
Total 51.2 1.5 54.2 1,194 116,412,016 502,351 48,646,501,044 2,333 214,690,338

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


TABLE 11.3     FEMALE EXPERIENCE BY ISSUE YEAR
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
INCLUDING POLICY ANNIVERSARIES BETWEEN 2003 AND 2008
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
RATIO A/E ACTUAL CLAIMS EXPOSURES EXPECTED CLAIMS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
By IssueYear
1996 75.2 22.7 83.1 11 1,100,000 2,203 204,815,505 15 1,323,761
1997 62.6 14.4 64.6 19 1,525,000 4,182 351,692,032 30 2,361,128
1998 72.2 12.8 63.3 32 2,210,000 6,753 582,197,278 44 3,490,458
1999 59.3 8.7 76.9 47 4,468,525 12,915 1,050,329,905 79 5,811,324
2000 64.3 7.0 78.5 84 7,285,623 23,605 1,840,203,102 131 9,281,110
2001 65.5 4.8 71.5 188 13,942,400 58,535 4,413,748,325 287 19,513,074
2002 58.6 4.1 66.4 207 15,907,754 81,060 5,968,190,424 353 23,954,216
2003 53.6 3.5 59.8 235 17,913,986 109,603 8,124,971,867 439 29,967,685
2004 49.0 3.7 52.6 177 13,201,811 95,199 7,278,785,787 360 25,075,736
2005 46.9 4.5 50.8 107 8,219,600 64,322 5,016,000,891 229 16,173,954
2006 40.8 5.3 52.2 59 5,273,000 42,782 3,309,316,772 145 10,100,670
2007 27.2 6.4 27.6 18 1,324,000 20,833 1,630,165,298 67 4,797,934
Total 54.3 1.6 60.8 1,184 92,371,699 521,991 39,770,417,187 2,180 151,851,050

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