CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY
|
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010
|
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI
|
Index of Tables
|
TABLE 1.1
|
TOTAL EXPERIENCE
|
TABLE 1.2
|
TOTAL EXPERIENCE -- MALES
|
TABLE 1.3
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 2.1
|
TOTAL EXPERIENCE -- SMOKERS
|
TABLE 2.2
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 2.3
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 2.4
|
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 2.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 2.6
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 3.1
|
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.2
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.3
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.4
|
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.5
|
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.6
|
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.7
|
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.8
|
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.9
|
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
TABLE 3.10
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
TABLE 3.11
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
TABLE 3.12
|
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
TABLE 3.13
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.14
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.15
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.16
|
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.17
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.18
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.19
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.20
|
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.21
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
TABLE 3.22
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
TABLE 3.23
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
TABLE 3.24
|
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
TABLE 3.25
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.26
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.27
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.28
|
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.29
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.30
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.31
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.32
|
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 3.33
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
TABLE 3.34
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
TABLE 3.35
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
TABLE 3.36
|
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
TABLE 4.1
|
TOTAL EXPERIENCE BY ILLNESS
|
TABLE 4.2
|
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
TABLE 4.3
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
TABLE 4.4
|
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
TABLE 4.5
|
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
TABLE 4.6
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
TABLE 4.7
|
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
TABLE 4.8
|
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
TABLE 4.9
|
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
TABLE 5.1
|
HEART ATTACK EXPERIENCE
|
TABLE 5.2
|
MALE HEART ATTACK EXPERIENCE
|
TABLE 5.3
|
FEMALE HEART ATTACK EXPERIENCE
|
TABLE 5.4
|
HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.5
|
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.6
|
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
TABLE 5.7
|
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.8
|
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 5.9
|
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.1
|
LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.2
|
MALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.3
|
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
TABLE 6.4
|
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.5
|
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.6
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
TABLE 6.7
|
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.8
|
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 6.9
|
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.1
|
STROKE EXPERIENCE
|
TABLE 7.2
|
MALE STROKE EXPERIENCE
|
TABLE 7.3
|
FEMALE STROKE EXPERIENCE
|
TABLE 7.4
|
STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.5
|
MALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.6
|
FEMALE STROKE EXPERIENCE -- SMOKERS
|
TABLE 7.7
|
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.8
|
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 7.9
|
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
TABLE 8.1
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.2
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.3
|
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.4
|
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.5
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.6
|
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.7
|
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.8
|
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 8.9
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
TABLE 8.10
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
TABLE 8.11
|
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
TABLE 8.12
|
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
TABLE 9.1
|
TOTAL EXPERIENCE -- POLICY YEAR
|
TABLE 9.2
|
MALE EXPERIENCE -- POLICY YEAR
|
TABLE 9.3
|
FEMALE EXPERIENCE -- POLICY YEAR
|
TABLE 10.1
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.2
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
TABLE 10.3
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.4
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
TABLE 10.5
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.6
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.7
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
TABLE 10.8
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
TABLE 10.9
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
TABLE 10.10
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.11
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.12
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.13
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.14
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
TABLE 10.15
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
TABLE 10.16
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.17
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.18
|
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.19
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.20
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.21
|
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.22
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.23
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 10.24
|
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
TABLE 11.1
|
EXPERIENCE BY ISSUE YEAR
|
TABLE 11.2
|
MALE EXPERIENCE BY ISSUE YEAR
|
TABLE 11.3
|
FEMALE EXPERIENCE BY ISSUE YEAR
|
TABLE 1.1
TOTAL EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.3
|
2.0
|
27.5
|
190
|
15,651,600
|
219,929
|
19,105,696,035
|
695
|
56,817,150
|
2
|
48.9
|
2.6
|
49.0
|
360
|
29,728,415
|
206,016
|
18,115,052,544
|
736
|
60,684,774
|
3
|
55.4
|
2.6
|
63.3
|
437
|
41,052,010
|
194,871
|
17,118,473,694
|
790
|
64,872,822
|
4
|
56.5
|
2.6
|
58.9
|
468
|
39,812,065
|
182,595
|
15,890,543,935
|
828
|
67,571,359
|
5
|
56.6
|
2.6
|
57.4
|
468
|
38,857,445
|
163,035
|
14,230,170,921
|
827
|
67,666,368
|
6
|
59.6
|
2.8
|
61.5
|
444
|
37,489,267
|
132,062
|
11,508,162,904
|
746
|
60,937,409
|
7+
|
59.5
|
1.9
|
60.0
|
982
|
83,307,363
|
230,291
|
20,476,223,558
|
1,650
|
138,821,868
|
Total
|
53.4
|
0.9
|
55.3
|
3,350
|
285,898,165
|
1,328,799
|
116,444,323,591
|
6,273
|
517,371,751
|
By Issue Age
|
20-24
|
68.3
|
10.2
|
69.9
|
45
|
3,487,500
|
83,886
|
6,387,862,287
|
66
|
4,991,026
|
25-29
|
67.9
|
5.7
|
71.8
|
143
|
12,768,407
|
183,298
|
15,477,322,022
|
210
|
17,774,161
|
30-34
|
56.0
|
3.7
|
58.0
|
231
|
22,554,070
|
234,542
|
22,158,140,667
|
413
|
38,885,537
|
35-39
|
54.2
|
2.8
|
56.2
|
381
|
37,988,461
|
249,844
|
24,342,387,358
|
702
|
67,644,459
|
40-44
|
56.3
|
2.3
|
55.4
|
624
|
56,706,325
|
237,681
|
22,032,969,449
|
1,107
|
102,374,803
|
45-49
|
53.4
|
2.0
|
52.8
|
731
|
60,224,579
|
179,121
|
14,754,581,363
|
1,369
|
114,044,854
|
50-54
|
51.0
|
2.0
|
52.6
|
643
|
50,760,692
|
103,649
|
7,699,324,064
|
1,262
|
96,592,602
|
55-59
|
51.5
|
2.5
|
58.5
|
410
|
31,795,430
|
43,743
|
2,863,980,737
|
796
|
54,379,461
|
60+
|
41.2
|
3.4
|
46.5
|
143
|
9,612,701
|
13,036
|
727,755,645
|
347
|
20,684,848
|
Total
|
53.4
|
0.9
|
55.3
|
3,350
|
285,898,165
|
1,328,799
|
116,444,323,591
|
6,273
|
517,371,751
|
By Attained Age
|
20-24
|
54.9
|
15.2
|
47.7
|
13
|
867,500
|
36,169
|
2,777,631,622
|
24
|
1,817,362
|
25-29
|
68.1
|
7.6
|
70.8
|
81
|
6,736,527
|
130,503
|
10,473,471,461
|
119
|
9,513,507
|
30-34
|
56.0
|
4.5
|
57.4
|
152
|
13,774,750
|
200,277
|
17,788,826,197
|
272
|
24,002,805
|
35-39
|
52.2
|
3.3
|
50.7
|
248
|
23,030,162
|
232,698
|
22,444,140,323
|
476
|
45,392,548
|
40-44
|
54.8
|
2.6
|
57.8
|
428
|
42,885,876
|
238,519
|
22,936,517,245
|
781
|
74,198,922
|
45-49
|
54.9
|
2.2
|
54.8
|
628
|
55,663,898
|
212,319
|
18,912,528,696
|
1,144
|
101,618,329
|
50-54
|
53.2
|
2.0
|
52.6
|
699
|
56,392,846
|
150,472
|
12,120,770,430
|
1,314
|
107,194,732
|
55-59
|
50.8
|
2.1
|
54.2
|
587
|
47,464,205
|
83,577
|
6,136,878,072
|
1,155
|
87,574,181
|
60-64
|
54.8
|
2.8
|
64.2
|
375
|
30,366,813
|
33,833
|
2,242,579,587
|
685
|
47,320,811
|
65+
|
45.5
|
3.9
|
46.5
|
138
|
8,715,588
|
10,432
|
610,979,959
|
304
|
18,738,553
|
Total
|
53.4
|
0.9
|
55.3
|
3,350
|
285,898,165
|
1,328,799
|
116,444,323,591
|
6,273
|
517,371,751
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 1.2
TOTAL EXPERIENCE -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.0
|
2.8
|
26.4
|
91
|
8,343,500
|
105,971
|
10,388,491,214
|
336
|
31,580,141
|
2
|
47.9
|
3.6
|
47.5
|
174
|
16,308,584
|
99,911
|
9,895,818,294
|
363
|
34,300,622
|
3
|
51.9
|
3.6
|
60.3
|
206
|
22,392,236
|
94,824
|
9,365,605,080
|
397
|
37,164,739
|
4
|
55.6
|
3.6
|
58.7
|
236
|
23,008,901
|
88,909
|
8,674,962,897
|
424
|
39,177,300
|
5
|
52.5
|
3.5
|
50.7
|
225
|
20,141,443
|
79,279
|
7,790,171,850
|
428
|
39,726,322
|
6
|
52.0
|
3.7
|
52.0
|
203
|
18,792,853
|
64,202
|
6,312,754,558
|
390
|
36,140,549
|
7+
|
56.7
|
2.5
|
57.9
|
518
|
49,936,184
|
114,444
|
11,453,261,299
|
914
|
86,215,165
|
Total
|
50.8
|
1.3
|
52.2
|
1,653
|
158,923,701
|
647,542
|
63,881,065,191
|
3,251
|
304,304,839
|
By Issue Age
|
20-24
|
69.3
|
15.9
|
81.9
|
19
|
1,810,000
|
39,123
|
3,147,948,620
|
27
|
2,210,740
|
25-29
|
74.2
|
9.3
|
75.0
|
63
|
5,751,000
|
85,730
|
7,669,063,611
|
85
|
7,664,490
|
30-34
|
45.3
|
5.1
|
53.0
|
80
|
9,805,000
|
115,772
|
11,998,576,190
|
176
|
18,508,528
|
35-39
|
46.3
|
3.8
|
49.6
|
145
|
17,124,186
|
124,304
|
13,614,357,918
|
314
|
34,519,972
|
40-44
|
47.8
|
3.0
|
47.9
|
260
|
27,714,527
|
118,437
|
12,618,380,557
|
543
|
57,848,307
|
45-49
|
50.9
|
2.7
|
48.1
|
366
|
33,132,670
|
87,421
|
8,364,765,349
|
720
|
68,862,742
|
50-54
|
54.3
|
2.8
|
54.6
|
390
|
34,300,248
|
50,074
|
4,383,174,705
|
717
|
62,875,581
|
55-59
|
52.8
|
3.4
|
59.7
|
248
|
22,124,242
|
20,849
|
1,648,886,711
|
470
|
37,037,347
|
60-64
|
43.0
|
5.2
|
50.7
|
69
|
6,352,964
|
4,929
|
383,118,747
|
160
|
12,524,949
|
65+
|
33.6
|
9.3
|
35.9
|
13
|
808,864
|
903
|
52,792,782
|
39
|
2,252,182
|
Total
|
50.8
|
1.3
|
52.2
|
1,653
|
158,923,701
|
647,542
|
63,881,065,191
|
3,251
|
304,304,839
|
By Attained Age
|
20-24
|
29.0
|
16.7
|
32.7
|
3
|
275,000
|
17,005
|
1,373,455,474
|
10
|
840,520
|
25-29
|
77.4
|
12.7
|
82.9
|
37
|
3,390,000
|
60,185
|
5,122,046,717
|
48
|
4,090,178
|
30-34
|
58.0
|
7.2
|
58.8
|
65
|
6,376,000
|
96,249
|
9,232,564,528
|
112
|
10,852,347
|
35-39
|
42.5
|
4.6
|
41.1
|
86
|
8,956,773
|
115,448
|
12,331,191,193
|
203
|
21,811,984
|
40-44
|
47.0
|
3.6
|
54.0
|
168
|
21,061,066
|
119,356
|
13,010,218,713
|
357
|
38,979,937
|
45-49
|
46.4
|
2.9
|
43.8
|
262
|
25,374,382
|
104,831
|
10,793,428,911
|
564
|
57,948,534
|
50-54
|
51.1
|
2.7
|
51.2
|
358
|
33,489,220
|
73,104
|
6,826,407,358
|
701
|
65,412,370
|
55-59
|
53.3
|
2.8
|
54.3
|
354
|
31,600,140
|
40,169
|
3,521,933,080
|
664
|
58,148,977
|
60-64
|
57.6
|
3.7
|
67.3
|
237
|
22,075,562
|
16,350
|
1,304,074,084
|
412
|
32,796,505
|
65+
|
46.2
|
5.1
|
47.1
|
83
|
6,325,558
|
4,845
|
365,745,132
|
180
|
13,423,486
|
Total
|
50.8
|
1.3
|
52.2
|
1,653
|
158,923,701
|
647,542
|
63,881,065,191
|
3,251
|
304,304,839
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 1.3
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.7
|
2.8
|
29.0
|
100
|
7,308,100
|
113,959
|
8,717,204,822
|
360
|
25,237,009
|
2
|
49.9
|
3.7
|
50.9
|
186
|
13,419,831
|
106,104
|
8,219,234,250
|
373
|
26,384,152
|
3
|
58.9
|
3.9
|
67.3
|
231
|
18,659,774
|
100,046
|
7,752,868,614
|
393
|
27,708,083
|
4
|
57.3
|
3.8
|
59.2
|
232
|
16,803,164
|
93,686
|
7,215,581,038
|
405
|
28,394,059
|
5
|
61.0
|
3.9
|
67.0
|
243
|
18,716,002
|
83,756
|
6,439,999,071
|
399
|
27,940,046
|
6
|
67.9
|
4.4
|
75.4
|
241
|
18,696,414
|
67,860
|
5,195,408,347
|
355
|
24,796,860
|
7+
|
63.0
|
2.9
|
63.4
|
464
|
33,371,179
|
115,846
|
9,022,962,259
|
736
|
52,606,703
|
Total
|
56.2
|
1.4
|
59.6
|
1,698
|
126,974,464
|
681,257
|
52,563,258,400
|
3,021
|
213,066,912
|
By Issue Age
|
20-24
|
67.6
|
13.3
|
60.3
|
26
|
1,677,500
|
44,763
|
3,239,913,667
|
38
|
2,780,286
|
25-29
|
63.7
|
7.1
|
69.4
|
80
|
7,017,407
|
97,568
|
7,808,258,411
|
126
|
10,109,671
|
30-34
|
63.9
|
5.2
|
62.6
|
151
|
12,749,070
|
118,770
|
10,159,564,477
|
237
|
20,377,009
|
35-39
|
60.7
|
4.0
|
63.0
|
235
|
20,864,275
|
125,540
|
10,728,029,440
|
388
|
33,124,487
|
40-44
|
64.5
|
3.4
|
65.1
|
364
|
28,991,798
|
119,243
|
9,414,588,892
|
564
|
44,526,496
|
45-49
|
56.2
|
2.9
|
60.0
|
365
|
27,091,909
|
91,700
|
6,389,816,014
|
649
|
45,182,112
|
50-54
|
46.5
|
2.9
|
48.8
|
254
|
16,460,444
|
53,575
|
3,316,149,358
|
545
|
33,717,021
|
55-59
|
49.6
|
3.9
|
55.8
|
162
|
9,671,188
|
22,894
|
1,215,094,025
|
326
|
17,342,113
|
60+
|
41.2
|
5.3
|
41.5
|
61
|
2,450,873
|
7,204
|
291,844,116
|
148
|
5,907,717
|
Total
|
56.2
|
1.4
|
59.6
|
1,698
|
126,974,464
|
681,257
|
52,563,258,400
|
3,021
|
213,066,912
|
By Attained Age
|
20-24
|
75.1
|
23.7
|
60.7
|
10
|
592,500
|
19,164
|
1,404,176,148
|
13
|
976,842
|
25-29
|
61.9
|
9.3
|
61.7
|
44
|
3,346,527
|
70,318
|
5,351,424,743
|
71
|
5,423,329
|
30-34
|
54.6
|
5.8
|
56.3
|
87
|
7,398,750
|
104,029
|
8,556,261,669
|
159
|
13,150,458
|
35-39
|
59.4
|
4.7
|
59.7
|
162
|
14,073,389
|
117,250
|
10,112,949,130
|
273
|
23,580,564
|
40-44
|
61.4
|
3.8
|
62.0
|
260
|
21,824,810
|
119,163
|
9,926,298,532
|
424
|
35,218,984
|
45-49
|
63.2
|
3.3
|
69.4
|
366
|
30,289,516
|
107,487
|
8,119,099,785
|
580
|
43,669,795
|
50-54
|
55.6
|
3.0
|
54.8
|
341
|
22,903,626
|
77,369
|
5,294,363,071
|
613
|
41,782,362
|
55-59
|
47.6
|
3.1
|
53.9
|
234
|
15,864,065
|
43,409
|
2,614,944,992
|
491
|
29,425,204
|
60-64
|
50.7
|
4.3
|
57.1
|
138
|
8,291,251
|
17,483
|
938,505,502
|
273
|
14,524,306
|
65+
|
44.4
|
6.0
|
45.0
|
55
|
2,390,030
|
5,587
|
245,234,827
|
124
|
5,315,067
|
Total
|
56.2
|
1.4
|
59.6
|
1,698
|
126,974,464
|
681,257
|
52,563,258,400
|
3,021
|
213,066,912
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.1
TOTAL EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
53.0
|
9.1
|
61.5
|
34
|
2,244,000
|
25,400
|
1,613,602,644
|
65
|
3,648,150
|
2
|
57.6
|
9.3
|
72.5
|
38
|
2,690,000
|
22,864
|
1,444,903,134
|
66
|
3,709,579
|
3
|
93.1
|
11.7
|
100.9
|
63
|
3,790,008
|
20,818
|
1,295,488,030
|
68
|
3,757,695
|
4
|
69.0
|
10.1
|
61.2
|
47
|
2,303,625
|
18,804
|
1,154,654,803
|
68
|
3,765,954
|
5
|
81.7
|
11.1
|
99.8
|
54
|
3,704,605
|
16,441
|
1,020,579,152
|
66
|
3,711,324
|
6
|
94.6
|
12.9
|
82.7
|
54
|
2,675,628
|
12,838
|
799,051,615
|
57
|
3,235,984
|
7+
|
90.5
|
8.6
|
84.6
|
111
|
6,288,155
|
21,204
|
1,387,324,038
|
123
|
7,431,201
|
Total
|
78.3
|
3.9
|
81.0
|
402
|
23,696,021
|
138,369
|
8,715,603,418
|
513
|
29,259,886
|
By Issue Age
|
20-24
|
72.8
|
25.7
|
64.5
|
8
|
425,000
|
14,256
|
858,781,624
|
11
|
658,757
|
25-29
|
84.6
|
17.6
|
102.6
|
23
|
1,840,880
|
25,100
|
1,673,113,756
|
27
|
1,794,835
|
30-34
|
64.9
|
12.3
|
81.9
|
28
|
2,492,870
|
25,487
|
1,812,490,126
|
43
|
3,043,482
|
35-39
|
84.1
|
11.0
|
82.5
|
58
|
3,831,734
|
25,060
|
1,700,060,686
|
69
|
4,642,681
|
40-44
|
77.6
|
8.7
|
76.8
|
80
|
4,872,000
|
22,599
|
1,387,400,290
|
103
|
6,342,983
|
45-49
|
95.6
|
9.1
|
109.2
|
110
|
6,841,508
|
15,556
|
829,998,009
|
115
|
6,263,325
|
50-54
|
58.1
|
8.2
|
44.7
|
50
|
1,822,429
|
7,324
|
332,921,063
|
86
|
4,073,790
|
55-59
|
77.2
|
13.4
|
63.2
|
33
|
1,204,600
|
2,408
|
100,829,202
|
43
|
1,906,807
|
60-64
|
69.7
|
23.2
|
59.9
|
9
|
280,000
|
529
|
18,063,892
|
13
|
467,798
|
65+
|
111.1
|
78.6
|
129.9
|
2
|
85,000
|
50
|
1,944,769
|
2
|
65,429
|
Total
|
78.3
|
3.9
|
81.0
|
402
|
23,696,021
|
138,369
|
8,715,603,418
|
513
|
29,259,886
|
By Attained Age
|
20-24
|
24.9
|
24.9
|
10.4
|
1
|
25,000
|
6,214
|
374,383,770
|
4
|
241,333
|
25-29
|
60.9
|
18.4
|
83.8
|
11
|
970,000
|
20,474
|
1,320,395,955
|
18
|
1,157,509
|
30-34
|
100.9
|
17.8
|
116.2
|
32
|
2,473,750
|
24,328
|
1,652,535,498
|
32
|
2,128,262
|
35-39
|
61.3
|
11.4
|
58.0
|
29
|
1,884,000
|
23,758
|
1,658,103,763
|
47
|
3,250,336
|
40-44
|
68.9
|
9.5
|
76.7
|
53
|
3,779,253
|
23,787
|
1,549,298,129
|
77
|
4,929,566
|
45-49
|
104.1
|
9.9
|
118.5
|
111
|
7,466,989
|
19,986
|
1,182,034,725
|
107
|
6,301,488
|
50-54
|
66.9
|
7.9
|
62.8
|
71
|
3,479,000
|
12,234
|
631,962,042
|
106
|
5,543,837
|
55-59
|
75.6
|
10.1
|
64.4
|
56
|
2,313,429
|
5,424
|
253,741,574
|
74
|
3,594,661
|
60-64
|
79.7
|
15.1
|
53.9
|
28
|
889,600
|
1,733
|
77,809,481
|
35
|
1,649,402
|
65+
|
73.4
|
24.5
|
89.5
|
9
|
415,000
|
430
|
15,338,481
|
12
|
463,493
|
Total
|
78.3
|
3.9
|
81.0
|
402
|
23,696,021
|
138,369
|
8,715,603,418
|
513
|
29,259,886
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.2
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
64.8
|
13.8
|
74.0
|
22
|
1,621,000
|
14,514
|
1,018,210,167
|
34
|
2,190,775
|
2
|
70.9
|
14.1
|
89.1
|
25
|
1,985,000
|
12,859
|
900,646,119
|
35
|
2,226,698
|
3
|
103.1
|
16.9
|
97.5
|
37
|
2,179,008
|
11,496
|
793,363,645
|
36
|
2,235,316
|
4
|
75.0
|
14.4
|
70.5
|
27
|
1,575,000
|
10,235
|
697,995,965
|
36
|
2,233,480
|
5
|
65.2
|
13.6
|
85.4
|
23
|
1,919,600
|
8,912
|
620,918,471
|
35
|
2,247,626
|
6
|
68.4
|
14.9
|
51.0
|
21
|
1,006,500
|
6,931
|
485,165,951
|
31
|
1,973,854
|
7+
|
90.3
|
11.4
|
92.0
|
63
|
4,385,085
|
11,576
|
855,841,290
|
70
|
4,765,525
|
Total
|
78.7
|
5.3
|
82.1
|
218
|
14,671,193
|
76,523
|
5,372,141,608
|
277
|
17,873,274
|
By Issue Age
|
20-24
|
55.5
|
32.1
|
71.9
|
3
|
250,000
|
7,707
|
496,475,377
|
5
|
347,940
|
25-29
|
72.4
|
22.9
|
64.0
|
10
|
635,000
|
14,408
|
1,027,795,589
|
14
|
992,540
|
30-34
|
63.2
|
16.9
|
89.1
|
14
|
1,575,000
|
14,880
|
1,172,123,865
|
22
|
1,768,164
|
35-39
|
90.5
|
16.0
|
87.2
|
32
|
2,364,085
|
14,170
|
1,073,910,056
|
35
|
2,711,800
|
40-44
|
87.7
|
12.7
|
86.8
|
48
|
3,305,000
|
12,316
|
848,468,147
|
55
|
3,807,860
|
45-49
|
93.6
|
12.2
|
105.3
|
59
|
4,141,508
|
8,030
|
494,358,843
|
63
|
3,934,824
|
50-54
|
56.3
|
10.6
|
49.5
|
28
|
1,316,000
|
3,656
|
190,575,958
|
50
|
2,660,504
|
55-59
|
72.5
|
17.0
|
65.8
|
18
|
864,600
|
1,117
|
58,074,269
|
25
|
1,314,159
|
60-64
|
78.2
|
35.0
|
67.7
|
5
|
195,000
|
200
|
9,193,915
|
6
|
287,900
|
65+
|
67.1
|
67.1
|
52.5
|
1
|
25,000
|
37
|
1,165,588
|
1
|
47,583
|
Total
|
78.7
|
5.3
|
82.1
|
218
|
14,671,193
|
76,523
|
5,372,141,608
|
277
|
17,873,274
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,347
|
218,575,108
|
2
|
133,030
|
25-29
|
65.9
|
26.9
|
69.0
|
6
|
430,000
|
11,526
|
786,364,396
|
9
|
623,103
|
30-34
|
92.3
|
23.8
|
94.7
|
15
|
1,155,000
|
14,135
|
1,052,122,050
|
16
|
1,219,469
|
35-39
|
66.7
|
16.7
|
70.0
|
16
|
1,297,000
|
13,734
|
1,057,873,753
|
24
|
1,852,942
|
40-44
|
71.0
|
13.4
|
85.6
|
28
|
2,466,000
|
13,243
|
969,327,677
|
39
|
2,881,306
|
45-49
|
114.6
|
14.2
|
126.7
|
65
|
4,834,593
|
10,669
|
718,171,231
|
57
|
3,815,958
|
50-54
|
66.4
|
10.6
|
59.3
|
39
|
2,062,000
|
6,229
|
368,553,563
|
59
|
3,476,332
|
55-59
|
69.0
|
12.8
|
63.1
|
29
|
1,497,000
|
2,577
|
144,645,640
|
42
|
2,373,072
|
60-64
|
64.5
|
17.2
|
52.1
|
14
|
619,600
|
873
|
48,105,132
|
22
|
1,189,663
|
65+
|
85.8
|
35.0
|
100.5
|
6
|
310,000
|
189
|
8,403,059
|
7
|
308,399
|
Total
|
78.7
|
5.3
|
82.1
|
218
|
14,671,193
|
76,523
|
5,372,141,608
|
277
|
17,873,274
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.3
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
39.6
|
11.4
|
42.7
|
12
|
623,000
|
10,886
|
595,392,476
|
30
|
1,457,375
|
2
|
42.4
|
11.7
|
47.5
|
13
|
705,000
|
10,005
|
544,257,015
|
31
|
1,482,881
|
3
|
81.8
|
16.0
|
105.8
|
26
|
1,611,000
|
9,322
|
502,124,386
|
32
|
1,522,379
|
4
|
62.3
|
13.9
|
47.5
|
20
|
728,625
|
8,569
|
456,658,838
|
32
|
1,532,474
|
5
|
100.7
|
18.1
|
122.0
|
31
|
1,785,005
|
7,529
|
399,660,681
|
31
|
1,463,698
|
6
|
125.0
|
21.8
|
132.2
|
33
|
1,669,128
|
5,907
|
313,885,664
|
26
|
1,262,130
|
7+
|
90.8
|
13.1
|
71.4
|
48
|
1,903,070
|
9,628
|
531,482,749
|
53
|
2,665,676
|
Total
|
77.9
|
5.8
|
79.3
|
183
|
9,024,828
|
61,846
|
3,343,461,810
|
235
|
11,386,612
|
By Issue Age
|
20-24
|
89.4
|
40.0
|
56.3
|
5
|
175,000
|
6,548
|
362,306,248
|
6
|
310,817
|
25-29
|
97.1
|
26.9
|
150.3
|
13
|
1,205,880
|
10,692
|
645,318,167
|
13
|
802,295
|
30-34
|
66.6
|
17.8
|
72.0
|
14
|
917,870
|
10,606
|
640,366,261
|
21
|
1,275,318
|
35-39
|
77.3
|
15.2
|
76.0
|
26
|
1,467,649
|
10,890
|
626,150,629
|
34
|
1,930,881
|
40-44
|
66.2
|
11.7
|
61.8
|
32
|
1,567,000
|
10,283
|
538,932,143
|
48
|
2,535,123
|
45-49
|
98.0
|
13.7
|
116.0
|
51
|
2,700,000
|
7,526
|
335,639,166
|
52
|
2,328,501
|
50-54
|
60.5
|
12.9
|
35.8
|
22
|
506,429
|
3,668
|
142,345,105
|
36
|
1,413,286
|
55-59
|
83.7
|
21.6
|
57.4
|
15
|
340,000
|
1,291
|
42,754,933
|
18
|
592,648
|
60+
|
73.3
|
32.8
|
73.3
|
5
|
145,000
|
341
|
9,649,158
|
7
|
197,744
|
Total
|
77.9
|
5.8
|
79.3
|
183
|
9,024,828
|
61,846
|
3,343,461,810
|
235
|
11,386,612
|
By Attained Age
|
20-24
|
50.3
|
50.3
|
23.1
|
1
|
25,000
|
2,866
|
155,808,662
|
2
|
108,303
|
25-29
|
55.9
|
25.0
|
101.0
|
5
|
540,000
|
8,947
|
534,031,559
|
9
|
534,406
|
30-34
|
110.0
|
26.7
|
145.1
|
17
|
1,318,750
|
10,193
|
600,413,448
|
15
|
908,794
|
35-39
|
55.7
|
15.4
|
42.0
|
13
|
587,000
|
10,024
|
600,230,010
|
23
|
1,397,393
|
40-44
|
66.8
|
13.4
|
64.1
|
25
|
1,313,253
|
10,544
|
579,970,452
|
37
|
2,048,260
|
45-49
|
92.1
|
13.6
|
105.9
|
46
|
2,632,396
|
9,317
|
463,863,494
|
50
|
2,485,530
|
50-54
|
67.6
|
12.0
|
68.5
|
32
|
1,417,000
|
6,005
|
263,408,478
|
47
|
2,067,505
|
55-59
|
84.3
|
16.2
|
66.8
|
27
|
816,429
|
2,847
|
109,095,934
|
32
|
1,221,589
|
60-64
|
104.5
|
27.9
|
58.7
|
14
|
270,000
|
860
|
29,704,349
|
13
|
459,739
|
65+
|
57.0
|
32.9
|
67.7
|
3
|
105,000
|
241
|
6,935,422
|
5
|
155,094
|
Total
|
77.9
|
5.8
|
79.3
|
183
|
9,024,828
|
61,846
|
3,343,461,810
|
235
|
11,386,612
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.4
TOTAL EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.7
|
2.0
|
25.2
|
156
|
13,407,600
|
194,530
|
17,492,093,392
|
631
|
53,169,000
|
2
|
48.1
|
2.7
|
47.5
|
322
|
27,038,415
|
183,151
|
16,670,149,410
|
670
|
56,975,196
|
3
|
51.8
|
2.7
|
61.0
|
374
|
37,262,002
|
174,053
|
15,822,985,663
|
722
|
61,115,127
|
4
|
55.3
|
2.7
|
58.8
|
421
|
37,508,440
|
163,791
|
14,735,889,132
|
760
|
63,805,405
|
5
|
54.4
|
2.7
|
55.0
|
414
|
35,152,840
|
146,594
|
13,209,591,768
|
761
|
63,955,044
|
6
|
56.7
|
2.9
|
60.3
|
390
|
34,813,639
|
119,225
|
10,709,111,289
|
688
|
57,701,425
|
7+
|
57.0
|
1.9
|
58.6
|
871
|
77,019,208
|
209,087
|
19,088,899,520
|
1,527
|
131,390,668
|
Total
|
51.2
|
0.9
|
53.7
|
2,949
|
262,202,144
|
1,190,430
|
107,728,720,174
|
5,760
|
488,111,864
|
By Issue Age
|
20-24
|
67.4
|
11.1
|
70.7
|
37
|
3,062,500
|
69,630
|
5,529,080,663
|
55
|
4,332,269
|
25-29
|
65.5
|
6.0
|
68.4
|
120
|
10,927,527
|
158,198
|
13,804,208,266
|
183
|
15,979,326
|
30-34
|
54.9
|
3.9
|
56.0
|
203
|
20,061,200
|
209,055
|
20,345,650,541
|
370
|
35,842,055
|
35-39
|
51.0
|
2.8
|
54.2
|
323
|
34,156,727
|
224,783
|
22,642,326,673
|
633
|
63,001,778
|
40-44
|
54.2
|
2.3
|
54.0
|
544
|
51,834,325
|
215,082
|
20,645,569,158
|
1,004
|
96,031,820
|
45-49
|
49.5
|
2.0
|
49.5
|
620
|
53,383,071
|
163,565
|
13,924,583,354
|
1,253
|
107,781,529
|
50-54
|
50.4
|
2.1
|
52.9
|
593
|
48,938,263
|
96,325
|
7,366,403,001
|
1,176
|
92,518,812
|
55-59
|
50.0
|
2.6
|
58.3
|
376
|
30,590,830
|
41,335
|
2,763,151,535
|
753
|
52,472,653
|
60+
|
39.7
|
3.5
|
45.9
|
132
|
9,247,701
|
12,457
|
707,746,984
|
332
|
20,151,621
|
Total
|
51.2
|
0.9
|
53.7
|
2,949
|
262,202,144
|
1,190,430
|
107,728,720,174
|
5,760
|
488,111,864
|
By Attained Age
|
20-24
|
61.0
|
17.6
|
53.5
|
12
|
842,500
|
29,955
|
2,403,247,853
|
20
|
1,576,029
|
25-29
|
69.4
|
8.3
|
69.0
|
70
|
5,766,527
|
110,029
|
9,153,075,506
|
101
|
8,355,999
|
30-34
|
50.0
|
4.6
|
51.7
|
120
|
11,301,000
|
175,949
|
16,136,290,699
|
240
|
21,874,542
|
35-39
|
51.2
|
3.5
|
50.2
|
219
|
21,146,162
|
208,939
|
20,786,036,560
|
429
|
42,142,213
|
40-44
|
53.3
|
2.8
|
56.5
|
375
|
39,106,623
|
214,732
|
21,387,219,116
|
704
|
69,269,356
|
45-49
|
49.8
|
2.2
|
50.6
|
517
|
48,196,909
|
192,332
|
17,730,493,971
|
1,037
|
95,316,841
|
50-54
|
52.0
|
2.1
|
52.1
|
628
|
52,913,846
|
138,238
|
11,488,808,388
|
1,208
|
101,650,895
|
55-59
|
49.1
|
2.1
|
53.8
|
531
|
45,150,776
|
78,153
|
5,883,136,498
|
1,081
|
83,979,520
|
60-64
|
53.5
|
2.9
|
64.5
|
347
|
29,477,213
|
32,100
|
2,164,770,106
|
649
|
45,671,409
|
65+
|
44.3
|
3.9
|
45.4
|
129
|
8,300,588
|
10,002
|
595,641,478
|
291
|
18,275,060
|
Total
|
51.2
|
0.9
|
53.7
|
2,949
|
262,202,144
|
1,190,430
|
107,728,720,174
|
5,760
|
488,111,864
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.7
|
2.7
|
22.9
|
68
|
6,722,500
|
91,457
|
9,370,281,046
|
301
|
29,389,366
|
2
|
45.5
|
3.7
|
44.7
|
149
|
14,323,584
|
87,052
|
8,995,172,175
|
328
|
32,073,924
|
3
|
46.8
|
3.6
|
57.9
|
169
|
20,213,228
|
83,328
|
8,572,241,435
|
361
|
34,929,423
|
4
|
53.9
|
3.7
|
58.0
|
209
|
21,433,901
|
78,674
|
7,976,966,932
|
388
|
36,943,821
|
5
|
51.4
|
3.6
|
48.6
|
202
|
18,221,843
|
70,368
|
7,169,253,379
|
393
|
37,478,695
|
6
|
50.6
|
3.8
|
52.1
|
182
|
17,786,353
|
57,272
|
5,827,588,607
|
360
|
34,166,695
|
7+
|
53.9
|
2.5
|
55.9
|
455
|
45,551,099
|
102,868
|
10,597,420,009
|
844
|
81,449,641
|
Total
|
48.2
|
1.3
|
50.4
|
1,434
|
144,252,508
|
571,018
|
58,508,923,583
|
2,974
|
286,431,565
|
By Issue Age
|
20-24
|
72.6
|
18.2
|
83.7
|
16
|
1,560,000
|
31,415
|
2,651,473,243
|
22
|
1,862,800
|
25-29
|
74.5
|
10.2
|
76.7
|
53
|
5,116,000
|
71,322
|
6,641,268,022
|
71
|
6,671,950
|
30-34
|
42.8
|
5.3
|
49.2
|
66
|
8,230,000
|
100,891
|
10,826,452,326
|
154
|
16,740,363
|
35-39
|
40.7
|
3.8
|
46.4
|
113
|
14,760,101
|
110,134
|
12,540,447,862
|
279
|
31,808,172
|
40-44
|
43.4
|
3.0
|
45.2
|
212
|
24,409,527
|
106,121
|
11,769,912,410
|
488
|
54,040,447
|
45-49
|
46.7
|
2.7
|
44.7
|
307
|
28,991,162
|
79,391
|
7,870,406,506
|
656
|
64,927,918
|
50-54
|
54.2
|
2.8
|
54.8
|
362
|
32,984,248
|
46,418
|
4,192,598,747
|
667
|
60,215,078
|
55-59
|
51.7
|
3.4
|
59.5
|
230
|
21,259,642
|
19,732
|
1,590,812,442
|
445
|
35,723,188
|
60-64
|
41.6
|
5.2
|
50.3
|
64
|
6,157,964
|
4,729
|
373,924,832
|
154
|
12,237,049
|
65+
|
32.2
|
9.3
|
35.6
|
12
|
783,864
|
866
|
51,627,194
|
37
|
2,204,599
|
Total
|
48.2
|
1.3
|
50.4
|
1,434
|
144,252,508
|
571,018
|
58,508,923,583
|
2,974
|
286,431,565
|
By Attained Age
|
20-24
|
36.0
|
20.8
|
38.9
|
3
|
275,000
|
13,658
|
1,154,880,366
|
8
|
707,490
|
25-29
|
80.1
|
14.4
|
85.4
|
31
|
2,960,000
|
48,659
|
4,335,682,321
|
39
|
3,467,075
|
30-34
|
52.1
|
7.4
|
54.2
|
50
|
5,221,000
|
82,114
|
8,180,442,478
|
96
|
9,632,878
|
35-39
|
39.2
|
4.7
|
38.4
|
70
|
7,659,773
|
101,714
|
11,273,317,440
|
179
|
19,959,042
|
40-44
|
44.0
|
3.7
|
51.5
|
140
|
18,595,066
|
106,113
|
12,040,891,037
|
318
|
36,098,631
|
45-49
|
38.7
|
2.8
|
37.9
|
197
|
20,539,789
|
94,162
|
10,075,257,681
|
507
|
54,132,576
|
50-54
|
49.6
|
2.8
|
50.7
|
319
|
31,427,220
|
66,875
|
6,457,853,795
|
642
|
61,936,037
|
55-59
|
52.2
|
2.9
|
54.0
|
325
|
30,103,140
|
37,592
|
3,377,287,440
|
622
|
55,775,905
|
60-64
|
57.2
|
3.8
|
67.9
|
223
|
21,455,962
|
15,477
|
1,255,968,953
|
390
|
31,606,843
|
65+
|
44.6
|
5.1
|
45.9
|
77
|
6,015,558
|
4,656
|
357,342,073
|
173
|
13,115,087
|
Total
|
48.2
|
1.3
|
50.4
|
1,434
|
144,252,508
|
571,018
|
58,508,923,583
|
2,974
|
286,431,565
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 2.6
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.6
|
2.8
|
28.1
|
88
|
6,685,100
|
103,073
|
8,121,812,346
|
330
|
23,779,634
|
2
|
50.6
|
3.8
|
51.1
|
173
|
12,714,831
|
96,099
|
7,674,977,234
|
342
|
24,901,272
|
3
|
56.8
|
4.0
|
65.1
|
205
|
17,048,774
|
90,724
|
7,250,744,228
|
361
|
26,185,704
|
4
|
56.9
|
3.9
|
59.8
|
212
|
16,074,539
|
85,117
|
6,758,922,200
|
373
|
26,861,584
|
5
|
57.7
|
4.0
|
63.9
|
212
|
16,930,997
|
76,227
|
6,040,338,389
|
368
|
26,476,348
|
6
|
63.3
|
4.4
|
72.3
|
208
|
17,027,286
|
61,953
|
4,881,522,682
|
329
|
23,534,730
|
7+
|
60.9
|
3.0
|
63.0
|
416
|
31,468,109
|
106,219
|
8,491,479,510
|
683
|
49,941,027
|
Total
|
54.4
|
1.4
|
58.5
|
1,514
|
117,949,636
|
619,412
|
49,219,796,590
|
2,786
|
201,680,299
|
By Issue Age
|
20-24
|
63.9
|
13.9
|
60.8
|
21
|
1,502,500
|
38,214
|
2,877,607,420
|
33
|
2,469,469
|
25-29
|
59.8
|
7.3
|
62.4
|
67
|
5,811,527
|
86,876
|
7,162,940,244
|
112
|
9,307,376
|
30-34
|
63.6
|
5.4
|
61.9
|
137
|
11,831,200
|
108,164
|
9,519,198,215
|
216
|
19,101,691
|
35-39
|
59.1
|
4.1
|
62.2
|
209
|
19,396,626
|
114,649
|
10,101,878,811
|
354
|
31,193,606
|
40-44
|
64.4
|
3.5
|
65.3
|
332
|
27,424,798
|
108,961
|
8,875,656,749
|
516
|
41,991,373
|
45-49
|
52.5
|
3.0
|
56.9
|
314
|
24,391,909
|
84,174
|
6,054,176,848
|
597
|
42,853,611
|
50-54
|
45.5
|
3.0
|
49.4
|
232
|
15,954,015
|
49,907
|
3,173,804,253
|
509
|
32,303,735
|
55-59
|
47.6
|
3.9
|
55.7
|
147
|
9,331,188
|
21,603
|
1,172,339,092
|
308
|
16,749,466
|
60+
|
39.7
|
5.3
|
40.4
|
56
|
2,305,873
|
6,863
|
282,194,958
|
141
|
5,709,973
|
Total
|
54.4
|
1.4
|
58.5
|
1,514
|
117,949,636
|
619,412
|
49,219,796,590
|
2,786
|
201,680,299
|
By Attained Age
|
20-24
|
79.4
|
26.5
|
65.3
|
9
|
567,500
|
16,297
|
1,248,367,486
|
11
|
868,539
|
25-29
|
62.8
|
10.0
|
57.4
|
39
|
2,806,527
|
61,371
|
4,817,393,184
|
62
|
4,888,923
|
30-34
|
48.6
|
5.8
|
49.7
|
70
|
6,080,000
|
93,835
|
7,955,848,221
|
144
|
12,241,664
|
35-39
|
59.7
|
4.9
|
60.8
|
149
|
13,486,389
|
107,226
|
9,512,719,120
|
250
|
22,183,171
|
40-44
|
60.9
|
4.0
|
61.8
|
235
|
20,511,557
|
108,619
|
9,346,328,080
|
386
|
33,170,725
|
45-49
|
60.5
|
3.4
|
67.2
|
320
|
27,657,120
|
98,170
|
7,655,236,290
|
530
|
41,184,266
|
50-54
|
54.6
|
3.1
|
54.1
|
309
|
21,486,626
|
71,363
|
5,030,954,593
|
565
|
39,714,857
|
55-59
|
45.0
|
3.1
|
53.4
|
206
|
15,047,636
|
40,561
|
2,505,849,058
|
459
|
28,203,616
|
60-64
|
47.9
|
4.3
|
57.0
|
124
|
8,021,251
|
16,623
|
908,801,153
|
259
|
14,064,567
|
65+
|
43.8
|
6.1
|
44.3
|
52
|
2,285,030
|
5,346
|
238,299,405
|
119
|
5,159,973
|
Total
|
54.4
|
1.4
|
58.5
|
1,514
|
117,949,636
|
619,412
|
49,219,796,590
|
2,786
|
201,680,299
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.1
TOTAL EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.3
|
3.3
|
21.8
|
50
|
1,034,100
|
52,445
|
1,194,316,755
|
213
|
4,739,798
|
2
|
42.2
|
4.3
|
43.8
|
94
|
2,188,008
|
48,686
|
1,112,051,206
|
224
|
5,000,712
|
3
|
52.2
|
4.7
|
52.7
|
126
|
2,871,355
|
46,558
|
1,072,066,005
|
241
|
5,450,705
|
4
|
54.7
|
4.7
|
54.7
|
137
|
3,133,162
|
43,903
|
1,019,624,117
|
251
|
5,728,077
|
5
|
52.2
|
4.6
|
53.4
|
130
|
3,068,408
|
39,152
|
917,215,972
|
249
|
5,743,844
|
6
|
64.5
|
5.4
|
68.3
|
141
|
3,475,997
|
31,137
|
732,469,295
|
219
|
5,088,921
|
7+
|
54.8
|
3.6
|
55.0
|
229
|
5,520,915
|
47,832
|
1,148,359,735
|
418
|
10,038,880
|
Total
|
50.0
|
1.7
|
50.9
|
907
|
21,291,945
|
309,714
|
7,196,103,085
|
1,814
|
41,790,939
|
By Issue Age
|
20-24
|
62.3
|
18.8
|
80.3
|
11
|
295,000
|
22,427
|
465,734,396
|
18
|
367,488
|
25-29
|
63.0
|
12.1
|
64.1
|
27
|
615,000
|
37,526
|
841,235,639
|
43
|
959,270
|
30-34
|
55.8
|
8.8
|
60.1
|
40
|
1,003,200
|
40,931
|
949,311,960
|
72
|
1,670,354
|
35-39
|
49.9
|
6.3
|
55.8
|
62
|
1,693,331
|
44,570
|
1,078,725,581
|
125
|
3,036,163
|
40-44
|
57.7
|
4.9
|
60.1
|
136
|
3,459,872
|
51,125
|
1,244,257,133
|
236
|
5,758,071
|
45-49
|
51.8
|
3.7
|
50.7
|
195
|
4,619,609
|
50,440
|
1,216,501,963
|
376
|
9,107,463
|
50-54
|
47.0
|
3.3
|
45.5
|
198
|
4,511,951
|
36,041
|
839,963,559
|
423
|
9,905,769
|
55-59
|
48.2
|
3.8
|
48.6
|
163
|
3,529,281
|
19,427
|
416,276,401
|
337
|
7,261,566
|
60+
|
40.4
|
4.7
|
42.0
|
75
|
1,564,701
|
7,226
|
144,096,453
|
185
|
3,724,794
|
Total
|
50.0
|
1.7
|
50.9
|
907
|
21,291,945
|
309,714
|
7,196,103,085
|
1,814
|
41,790,939
|
By Attained Age
|
20-24
|
78.8
|
35.3
|
95.2
|
5
|
125,000
|
9,735
|
200,307,528
|
6
|
131,269
|
25-29
|
61.6
|
14.9
|
66.9
|
17
|
405,000
|
30,278
|
662,397,076
|
28
|
605,220
|
30-34
|
44.0
|
9.2
|
43.9
|
23
|
520,000
|
38,345
|
868,803,245
|
52
|
1,185,770
|
35-39
|
51.9
|
7.8
|
60.3
|
44
|
1,211,200
|
40,898
|
964,453,421
|
85
|
2,008,804
|
40-44
|
58.3
|
6.1
|
60.2
|
90
|
2,259,615
|
46,506
|
1,125,664,873
|
155
|
3,752,577
|
45-49
|
52.1
|
4.3
|
52.9
|
144
|
3,513,351
|
50,629
|
1,221,180,295
|
276
|
6,646,234
|
50-54
|
51.6
|
3.7
|
51.7
|
198
|
4,710,827
|
44,154
|
1,052,131,961
|
383
|
9,111,701
|
55-59
|
45.2
|
3.4
|
44.0
|
182
|
4,045,750
|
29,683
|
682,442,936
|
402
|
9,203,272
|
60-64
|
49.2
|
4.2
|
48.9
|
138
|
2,984,614
|
14,295
|
311,446,331
|
280
|
6,102,234
|
65+
|
45.5
|
5.6
|
49.8
|
67
|
1,516,588
|
5,190
|
107,275,420
|
147
|
3,043,858
|
Total
|
50.0
|
1.7
|
50.9
|
907
|
21,291,945
|
309,714
|
7,196,103,085
|
1,814
|
41,790,939
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.2
TOTAL EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.3
|
3.7
|
30.3
|
63
|
3,477,500
|
69,401
|
3,733,452,659
|
215
|
11,478,571
|
2
|
48.6
|
4.7
|
48.1
|
108
|
5,701,540
|
62,244
|
3,363,344,530
|
221
|
11,846,966
|
3
|
47.7
|
4.5
|
46.9
|
112
|
5,921,806
|
57,588
|
3,125,293,973
|
235
|
12,627,678
|
4
|
55.9
|
4.7
|
54.6
|
139
|
7,313,903
|
54,041
|
2,943,076,665
|
249
|
13,392,756
|
5
|
55.1
|
4.7
|
55.3
|
137
|
7,424,252
|
48,224
|
2,634,004,881
|
249
|
13,437,094
|
6
|
52.7
|
4.8
|
52.8
|
122
|
6,594,853
|
40,071
|
2,187,661,780
|
231
|
12,495,089
|
7+
|
60.4
|
3.3
|
60.4
|
333
|
17,946,856
|
74,688
|
4,070,889,700
|
551
|
29,700,250
|
Total
|
52.0
|
1.6
|
51.8
|
1,014
|
54,380,710
|
406,258
|
22,057,724,188
|
1,952
|
104,978,403
|
By Issue Age
|
20-24
|
48.8
|
16.3
|
47.3
|
9
|
475,000
|
23,396
|
1,274,040,164
|
18
|
1,003,197
|
25-29
|
66.8
|
10.4
|
67.4
|
41
|
2,267,527
|
53,599
|
2,937,863,172
|
61
|
3,365,328
|
30-34
|
51.5
|
6.6
|
51.7
|
61
|
3,360,870
|
67,132
|
3,686,482,567
|
118
|
6,506,677
|
35-39
|
58.2
|
5.2
|
58.3
|
126
|
6,936,993
|
75,893
|
4,164,032,268
|
217
|
11,905,334
|
40-44
|
53.0
|
3.8
|
52.5
|
192
|
10,304,854
|
77,381
|
4,189,048,498
|
363
|
19,643,821
|
45-49
|
52.6
|
3.4
|
53.0
|
242
|
13,065,103
|
60,019
|
3,217,523,438
|
460
|
24,669,222
|
50-54
|
48.5
|
3.5
|
47.3
|
197
|
10,232,036
|
33,493
|
1,776,650,834
|
407
|
21,612,408
|
55-59
|
52.3
|
4.8
|
52.6
|
118
|
6,265,327
|
12,226
|
647,234,083
|
225
|
11,909,826
|
60-64
|
33.0
|
6.9
|
33.0
|
23
|
1,213,000
|
2,753
|
145,447,677
|
70
|
3,674,090
|
65+
|
38.9
|
17.4
|
37.8
|
5
|
260,000
|
366
|
19,401,486
|
13
|
688,501
|
Total
|
52.0
|
1.6
|
51.8
|
1,014
|
54,380,710
|
406,258
|
22,057,724,188
|
1,952
|
104,978,403
|
By Attained Age
|
20-24
|
30.2
|
21.4
|
27.8
|
2
|
100,000
|
10,087
|
548,867,383
|
7
|
359,690
|
25-29
|
65.9
|
13.7
|
69.9
|
23
|
1,326,527
|
38,163
|
2,078,734,213
|
35
|
1,897,295
|
30-34
|
56.5
|
8.4
|
55.4
|
45
|
2,413,870
|
58,469
|
3,202,485,433
|
80
|
4,357,630
|
35-39
|
50.8
|
6.1
|
50.2
|
70
|
3,785,962
|
66,880
|
3,668,815,818
|
138
|
7,549,161
|
40-44
|
49.2
|
4.5
|
48.8
|
119
|
6,461,360
|
73,472
|
4,012,078,615
|
243
|
13,231,811
|
45-49
|
55.0
|
3.8
|
55.0
|
206
|
11,178,712
|
69,743
|
3,780,156,653
|
375
|
20,311,099
|
50-54
|
50.5
|
3.4
|
50.6
|
219
|
11,734,652
|
50,079
|
2,677,013,502
|
434
|
23,194,833
|
55-59
|
54.4
|
3.9
|
53.7
|
198
|
10,379,550
|
26,624
|
1,415,734,012
|
363
|
19,323,397
|
60-64
|
51.4
|
5.1
|
51.1
|
101
|
5,327,077
|
9,889
|
522,907,971
|
197
|
10,434,326
|
65+
|
38.0
|
6.8
|
38.7
|
31
|
1,673,000
|
2,851
|
150,930,588
|
81
|
4,319,160
|
Total
|
52.0
|
1.6
|
51.8
|
1,014
|
54,380,710
|
406,258
|
22,057,724,188
|
1,952
|
104,978,403
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.3
TOTAL EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.4
|
3.5
|
26.3
|
62
|
6,852,500
|
85,759
|
9,759,490,881
|
228
|
26,073,514
|
2
|
57.1
|
4.8
|
57.9
|
142
|
16,527,200
|
83,595
|
9,525,190,101
|
249
|
28,554,864
|
3
|
63.0
|
4.8
|
63.0
|
170
|
19,465,500
|
80,050
|
9,122,257,418
|
270
|
30,882,927
|
4
|
58.2
|
4.5
|
57.9
|
165
|
18,815,000
|
75,033
|
8,553,390,085
|
284
|
32,498,454
|
5
|
61.8
|
4.7
|
63.4
|
176
|
20,714,785
|
67,065
|
7,670,309,565
|
285
|
32,681,668
|
6
|
61.2
|
4.9
|
58.1
|
157
|
17,158,417
|
53,980
|
6,183,297,192
|
257
|
29,518,235
|
7+
|
61.0
|
3.2
|
61.9
|
362
|
42,179,592
|
95,284
|
10,925,032,592
|
594
|
68,195,983
|
Total
|
57.0
|
1.6
|
57.0
|
1,235
|
141,712,994
|
540,765
|
61,738,967,834
|
2,166
|
248,405,644
|
By Issue Age
|
20-24
|
85.2
|
17.4
|
78.7
|
24
|
2,467,500
|
35,873
|
3,994,796,027
|
28
|
3,134,299
|
25-29
|
69.8
|
8.4
|
68.4
|
69
|
7,585,880
|
85,710
|
9,609,383,472
|
99
|
11,092,134
|
30-34
|
60.1
|
5.5
|
63.3
|
120
|
14,430,000
|
113,016
|
12,892,434,637
|
200
|
22,785,850
|
35-39
|
54.4
|
4.2
|
56.2
|
170
|
20,223,137
|
111,846
|
12,876,449,794
|
313
|
36,000,120
|
40-44
|
56.5
|
3.6
|
56.5
|
246
|
28,535,750
|
93,440
|
10,812,500,565
|
436
|
50,465,092
|
45-49
|
56.6
|
3.5
|
56.5
|
259
|
29,678,200
|
58,953
|
6,765,999,832
|
457
|
52,524,688
|
50-54
|
58.5
|
4.0
|
57.4
|
218
|
24,616,705
|
29,436
|
3,381,096,571
|
372
|
42,861,595
|
55-59
|
49.8
|
5.0
|
48.1
|
98
|
10,750,822
|
10,272
|
1,159,035,852
|
197
|
22,342,383
|
60-64
|
48.3
|
9.5
|
48.2
|
26
|
2,925,000
|
1,927
|
215,551,792
|
54
|
6,069,354
|
65+
|
48.8
|
21.8
|
44.2
|
5
|
500,000
|
291
|
31,719,292
|
10
|
1,130,130
|
Total
|
57.0
|
1.6
|
57.0
|
1,235
|
141,712,994
|
540,765
|
61,738,967,834
|
2,166
|
248,405,644
|
By Attained Age
|
20-24
|
59.8
|
24.4
|
57.3
|
6
|
642,500
|
15,281
|
1,710,224,430
|
10
|
1,122,147
|
25-29
|
72.0
|
11.7
|
68.1
|
38
|
4,005,000
|
58,033
|
6,465,119,642
|
53
|
5,879,238
|
30-34
|
61.9
|
7.0
|
62.7
|
79
|
9,040,880
|
94,453
|
10,666,516,961
|
128
|
14,414,316
|
35-39
|
54.7
|
4.9
|
55.3
|
122
|
14,148,000
|
109,934
|
12,584,268,020
|
224
|
25,563,165
|
40-44
|
57.1
|
4.2
|
59.4
|
189
|
22,729,052
|
102,045
|
11,794,159,970
|
331
|
38,245,265
|
45-49
|
56.5
|
3.7
|
56.8
|
238
|
27,651,835
|
78,689
|
9,085,205,958
|
422
|
48,697,637
|
50-54
|
57.4
|
3.7
|
55.9
|
244
|
27,425,700
|
48,395
|
5,572,232,438
|
425
|
49,042,054
|
55-59
|
52.4
|
4.0
|
52.5
|
175
|
20,088,905
|
23,578
|
2,689,964,558
|
334
|
38,300,257
|
60-64
|
61.7
|
5.9
|
60.2
|
109
|
12,105,122
|
8,317
|
943,264,557
|
177
|
20,095,792
|
65+
|
54.2
|
9.3
|
55.0
|
34
|
3,876,000
|
2,041
|
228,011,301
|
63
|
7,045,773
|
Total
|
57.0
|
1.6
|
57.0
|
1,235
|
141,712,994
|
540,765
|
61,738,967,834
|
2,166
|
248,405,644
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.4
TOTAL EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.0
|
9.8
|
29.5
|
15
|
4,287,500
|
12,324
|
4,418,435,740
|
40
|
14,525,267
|
2
|
38.3
|
9.6
|
34.8
|
16
|
5,311,667
|
11,490
|
4,114,466,708
|
42
|
15,282,232
|
3
|
66.6
|
12.3
|
80.4
|
29
|
12,793,349
|
10,674
|
3,798,856,298
|
44
|
15,911,512
|
4
|
58.5
|
11.5
|
66.1
|
26
|
10,550,000
|
9,618
|
3,374,453,068
|
44
|
15,952,072
|
5
|
56.7
|
11.3
|
48.4
|
25
|
7,650,000
|
8,595
|
3,008,640,503
|
44
|
15,803,762
|
6
|
62.4
|
12.7
|
74.2
|
24
|
10,260,000
|
6,874
|
2,404,734,638
|
39
|
13,835,165
|
7+
|
66.4
|
8.7
|
57.2
|
58
|
17,660,000
|
12,487
|
4,331,941,530
|
87
|
30,886,755
|
Total
|
56.9
|
4.1
|
56.1
|
193
|
68,512,516
|
72,062
|
25,451,528,485
|
340
|
122,196,765
|
By Issue Age
|
20-24
|
61.3
|
61.3
|
51.4
|
1
|
250,000
|
2,190
|
653,291,700
|
2
|
486,042
|
25-29
|
82.1
|
33.5
|
97.6
|
6
|
2,300,000
|
6,462
|
2,088,839,738
|
7
|
2,357,430
|
30-34
|
43.3
|
13.7
|
47.5
|
10
|
3,760,000
|
13,462
|
4,629,911,502
|
23
|
7,922,656
|
35-39
|
46.5
|
9.9
|
54.7
|
22
|
9,135,000
|
17,535
|
6,223,179,716
|
47
|
16,702,841
|
40-44
|
67.7
|
9.7
|
54.3
|
49
|
14,405,849
|
15,735
|
5,787,163,253
|
73
|
26,507,820
|
45-49
|
46.4
|
7.8
|
46.4
|
35
|
12,861,667
|
9,710
|
3,554,556,131
|
76
|
27,743,481
|
50-54
|
49.5
|
9.0
|
51.3
|
30
|
11,400,000
|
4,679
|
1,701,613,100
|
61
|
22,212,831
|
55-59
|
85.1
|
15.3
|
87.4
|
31
|
11,250,000
|
1,818
|
641,434,400
|
36
|
12,865,686
|
60-64
|
61.1
|
21.6
|
60.0
|
8
|
2,900,000
|
429
|
158,027,301
|
13
|
4,831,801
|
65+
|
55.6
|
55.6
|
44.2
|
1
|
250,000
|
43
|
13,511,644
|
2
|
566,177
|
Total
|
56.9
|
4.1
|
56.1
|
193
|
68,512,516
|
72,062
|
25,451,528,485
|
340
|
122,196,765
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,065
|
318,232,282
|
1
|
204,256
|
25-29
|
83.3
|
48.1
|
88.4
|
3
|
1,000,000
|
4,029
|
1,267,220,530
|
4
|
1,131,754
|
30-34
|
41.7
|
18.7
|
44.5
|
5
|
1,800,000
|
9,010
|
3,051,020,559
|
12
|
4,045,088
|
35-39
|
40.7
|
11.7
|
37.8
|
12
|
3,885,000
|
14,986
|
5,226,603,064
|
30
|
10,271,418
|
40-44
|
55.8
|
10.3
|
60.3
|
29
|
11,435,849
|
16,496
|
6,004,613,788
|
52
|
18,969,269
|
45-49
|
56.1
|
8.9
|
51.3
|
40
|
13,320,000
|
13,257
|
4,825,985,790
|
71
|
25,963,359
|
50-54
|
53.2
|
8.6
|
48.4
|
38
|
12,521,667
|
7,845
|
2,819,392,529
|
71
|
25,846,144
|
55-59
|
58.8
|
10.2
|
62.4
|
33
|
12,950,000
|
3,692
|
1,348,736,566
|
56
|
20,747,255
|
60-64
|
88.7
|
17.1
|
93.1
|
27
|
9,950,000
|
1,333
|
464,960,727
|
30
|
10,688,459
|
65+
|
49.6
|
20.2
|
38.1
|
6
|
1,650,000
|
350
|
124,762,650
|
12
|
4,329,762
|
Total
|
56.9
|
4.1
|
56.1
|
193
|
68,512,516
|
72,062
|
25,451,528,485
|
340
|
122,196,765
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.5
MALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.8
|
5.3
|
23.7
|
23
|
476,000
|
21,841
|
495,823,235
|
90
|
2,008,384
|
2
|
35.3
|
6.0
|
38.5
|
34
|
835,431
|
20,415
|
464,656,048
|
97
|
2,168,817
|
3
|
42.0
|
6.2
|
42.9
|
45
|
1,043,571
|
19,610
|
450,178,239
|
108
|
2,433,508
|
4
|
54.6
|
6.9
|
57.3
|
62
|
1,487,358
|
18,488
|
427,660,443
|
114
|
2,594,190
|
5
|
49.8
|
6.6
|
52.3
|
57
|
1,376,938
|
16,415
|
383,228,353
|
115
|
2,633,386
|
6
|
57.0
|
7.5
|
60.5
|
58
|
1,422,461
|
13,083
|
305,842,512
|
102
|
2,350,312
|
7+
|
52.9
|
5.1
|
55.3
|
109
|
2,722,900
|
20,711
|
492,973,494
|
206
|
4,927,299
|
Total
|
46.8
|
2.4
|
49.0
|
389
|
9,364,659
|
130,563
|
3,020,362,325
|
832
|
19,115,894
|
By Issue Age
|
20-24
|
44.8
|
25.9
|
79.6
|
3
|
110,000
|
9,639
|
198,478,537
|
7
|
138,205
|
25-29
|
57.0
|
19.0
|
66.5
|
9
|
235,000
|
16,220
|
364,029,277
|
16
|
353,449
|
30-34
|
33.7
|
11.2
|
30.1
|
9
|
185,000
|
17,886
|
410,805,672
|
27
|
614,249
|
35-39
|
48.7
|
10.1
|
52.9
|
23
|
607,581
|
19,281
|
462,339,436
|
48
|
1,149,253
|
40-44
|
53.6
|
7.4
|
54.7
|
52
|
1,293,692
|
21,531
|
521,069,853
|
97
|
2,364,366
|
45-49
|
52.2
|
5.6
|
55.2
|
88
|
2,250,503
|
21,006
|
502,592,208
|
169
|
4,073,759
|
50-54
|
45.3
|
4.7
|
44.9
|
93
|
2,161,507
|
14,637
|
339,145,059
|
206
|
4,818,955
|
55-59
|
45.2
|
5.1
|
48.4
|
77
|
1,797,548
|
7,688
|
166,517,152
|
171
|
3,713,501
|
60+
|
37.2
|
6.4
|
38.3
|
34
|
723,828
|
2,675
|
55,385,132
|
91
|
1,890,156
|
Total
|
46.8
|
2.4
|
49.0
|
389
|
9,364,659
|
130,563
|
3,020,362,325
|
832
|
19,115,894
|
By Attained Age
|
20-24
|
39.4
|
39.4
|
48.1
|
1
|
25,000
|
4,237
|
86,221,177
|
3
|
51,973
|
25-29
|
49.4
|
22.1
|
74.2
|
5
|
165,000
|
12,902
|
282,617,602
|
10
|
222,505
|
30-34
|
46.8
|
15.6
|
46.3
|
9
|
200,000
|
16,713
|
375,111,220
|
19
|
431,527
|
35-39
|
42.5
|
11.8
|
47.6
|
13
|
342,000
|
17,546
|
411,515,799
|
31
|
719,174
|
40-44
|
47.0
|
8.8
|
49.2
|
28
|
707,927
|
20,068
|
480,003,444
|
60
|
1,438,600
|
45-49
|
51.4
|
6.7
|
51.9
|
59
|
1,446,854
|
21,238
|
511,955,332
|
116
|
2,786,375
|
50-54
|
49.5
|
5.3
|
51.4
|
88
|
2,139,317
|
18,319
|
431,903,300
|
177
|
4,165,573
|
55-59
|
40.0
|
4.5
|
40.6
|
79
|
1,844,185
|
11,873
|
273,303,133
|
198
|
4,545,007
|
60-64
|
51.8
|
6.0
|
55.9
|
75
|
1,782,818
|
5,711
|
126,134,388
|
145
|
3,189,027
|
65+
|
43.3
|
7.6
|
45.4
|
32
|
711,558
|
1,956
|
41,596,930
|
74
|
1,566,133
|
Total
|
46.8
|
2.4
|
49.0
|
389
|
9,364,659
|
130,563
|
3,020,362,325
|
832
|
19,115,894
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.6
MALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.3
|
5.2
|
27.5
|
26
|
1,465,000
|
31,633
|
1,715,774,181
|
99
|
5,328,242
|
2
|
48.2
|
6.8
|
47.6
|
50
|
2,679,286
|
28,570
|
1,556,519,878
|
104
|
5,626,032
|
3
|
52.1
|
6.8
|
50.1
|
59
|
3,057,816
|
26,541
|
1,451,757,600
|
113
|
6,102,447
|
4
|
57.4
|
6.8
|
55.3
|
70
|
3,651,543
|
25,009
|
1,372,299,946
|
122
|
6,608,316
|
5
|
53.4
|
6.6
|
53.2
|
66
|
3,550,600
|
22,192
|
1,219,451,687
|
123
|
6,676,668
|
6
|
53.9
|
6.8
|
53.0
|
62
|
3,302,725
|
18,238
|
1,000,269,224
|
115
|
6,229,370
|
7+
|
56.1
|
4.4
|
55.7
|
160
|
8,585,199
|
34,105
|
1,865,552,284
|
285
|
15,416,013
|
Total
|
51.3
|
2.3
|
50.6
|
494
|
26,292,169
|
186,288
|
10,181,624,799
|
963
|
51,987,088
|
By Issue Age
|
20-24
|
26.7
|
18.9
|
24.5
|
2
|
100,000
|
10,660
|
582,933,671
|
7
|
408,816
|
25-29
|
76.0
|
17.9
|
75.3
|
18
|
986,000
|
24,074
|
1,329,294,215
|
24
|
1,308,914
|
30-34
|
32.3
|
8.3
|
29.2
|
15
|
750,000
|
30,816
|
1,703,293,865
|
46
|
2,567,277
|
35-39
|
43.2
|
7.0
|
43.3
|
38
|
2,105,520
|
34,520
|
1,907,411,342
|
88
|
4,861,539
|
40-44
|
42.8
|
5.1
|
42.6
|
70
|
3,804,986
|
35,619
|
1,942,200,183
|
164
|
8,926,709
|
45-49
|
53.9
|
4.8
|
53.4
|
124
|
6,612,300
|
27,843
|
1,500,003,872
|
230
|
12,383,647
|
50-54
|
58.2
|
5.1
|
57.2
|
130
|
6,837,036
|
15,552
|
832,642,438
|
223
|
11,962,565
|
55-59
|
58.8
|
6.6
|
58.5
|
78
|
4,158,327
|
5,851
|
312,364,357
|
133
|
7,110,834
|
60-64
|
42.4
|
10.6
|
42.3
|
16
|
838,000
|
1,148
|
60,380,882
|
38
|
1,982,957
|
65+
|
23.1
|
16.3
|
21.1
|
2
|
100,000
|
204
|
11,099,973
|
9
|
473,830
|
Total
|
51.3
|
2.3
|
50.6
|
494
|
26,292,169
|
186,288
|
10,181,624,799
|
963
|
51,987,088
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4,687
|
256,080,635
|
3
|
156,074
|
25-29
|
89.6
|
25.9
|
87.9
|
12
|
645,000
|
16,903
|
926,906,294
|
13
|
733,950
|
30-34
|
39.2
|
11.3
|
38.0
|
12
|
641,000
|
26,410
|
1,458,014,364
|
31
|
1,687,069
|
35-39
|
36.8
|
8.2
|
32.8
|
20
|
984,773
|
30,990
|
1,715,008,251
|
54
|
3,000,311
|
40-44
|
34.5
|
5.8
|
35.4
|
35
|
1,972,290
|
33,920
|
1,860,945,983
|
102
|
5,578,027
|
45-49
|
50.6
|
5.4
|
50.2
|
87
|
4,711,443
|
32,013
|
1,746,730,281
|
172
|
9,379,980
|
50-54
|
48.8
|
4.7
|
48.8
|
108
|
5,792,536
|
23,117
|
1,241,073,371
|
221
|
11,861,815
|
55-59
|
66.4
|
5.7
|
65.2
|
134
|
7,077,050
|
12,295
|
659,566,508
|
202
|
10,847,229
|
60-64
|
56.9
|
7.0
|
55.4
|
66
|
3,430,077
|
4,645
|
247,677,613
|
116
|
6,195,047
|
65+
|
39.7
|
9.1
|
40.7
|
19
|
1,038,000
|
1,309
|
69,621,498
|
48
|
2,547,586
|
Total
|
51.3
|
2.3
|
50.6
|
494
|
26,292,169
|
186,288
|
10,181,624,799
|
963
|
51,987,088
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.7
MALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.0
|
4.9
|
28.0
|
33
|
3,865,000
|
44,204
|
5,097,600,690
|
119
|
13,792,326
|
2
|
58.7
|
6.7
|
60.4
|
77
|
9,242,200
|
43,133
|
4,978,924,096
|
131
|
15,309,130
|
3
|
55.0
|
6.2
|
52.8
|
80
|
8,897,500
|
41,401
|
4,779,820,192
|
145
|
16,841,849
|
4
|
53.7
|
5.9
|
53.1
|
83
|
9,570,000
|
38,824
|
4,480,968,043
|
155
|
18,012,863
|
5
|
54.5
|
5.9
|
54.1
|
86
|
9,938,905
|
34,721
|
4,025,981,057
|
158
|
18,376,997
|
6
|
47.0
|
5.7
|
44.7
|
68
|
7,537,667
|
28,082
|
3,262,328,370
|
145
|
16,867,253
|
7+
|
57.1
|
4.0
|
58.8
|
203
|
24,368,085
|
50,740
|
5,902,046,420
|
356
|
41,416,029
|
Total
|
52.2
|
2.1
|
52.2
|
630
|
73,419,357
|
281,103
|
32,527,668,868
|
1,208
|
140,616,446
|
By Issue Age
|
20-24
|
105.5
|
29.3
|
98.0
|
13
|
1,350,000
|
17,473
|
1,955,647,135
|
12
|
1,377,515
|
25-29
|
79.6
|
13.8
|
76.3
|
33
|
3,580,000
|
41,525
|
4,688,306,269
|
41
|
4,689,967
|
30-34
|
56.0
|
7.9
|
61.1
|
50
|
6,310,000
|
58,171
|
6,710,759,629
|
89
|
10,328,192
|
35-39
|
47.5
|
5.7
|
47.4
|
70
|
8,201,085
|
58,409
|
6,824,568,152
|
148
|
17,292,002
|
40-44
|
43.9
|
4.4
|
43.4
|
101
|
11,800,000
|
50,103
|
5,887,224,698
|
231
|
27,160,485
|
45-49
|
48.7
|
4.3
|
49.4
|
128
|
15,208,200
|
31,612
|
3,690,733,659
|
264
|
30,765,987
|
50-54
|
60.6
|
5.0
|
60.9
|
145
|
17,051,705
|
16,448
|
1,926,356,128
|
239
|
27,993,276
|
55-59
|
50.3
|
6.1
|
48.7
|
68
|
7,568,367
|
5,967
|
684,128,030
|
136
|
15,551,216
|
60-64
|
44.9
|
10.6
|
44.5
|
18
|
2,050,000
|
1,216
|
139,679,564
|
40
|
4,605,615
|
65+
|
39.9
|
23.0
|
35.2
|
3
|
300,000
|
179
|
20,265,604
|
8
|
852,192
|
Total
|
52.2
|
2.1
|
52.2
|
630
|
73,419,357
|
281,103
|
32,527,668,868
|
1,208
|
140,616,446
|
By Attained Age
|
20-24
|
43.7
|
30.9
|
48.6
|
2
|
250,000
|
7,448
|
837,869,565
|
5
|
514,458
|
25-29
|
80.7
|
19.0
|
77.2
|
18
|
1,930,000
|
27,949
|
3,132,264,915
|
22
|
2,500,364
|
30-34
|
73.9
|
11.5
|
74.7
|
41
|
4,735,000
|
47,410
|
5,408,072,603
|
55
|
6,335,279
|
35-39
|
47.2
|
6.9
|
45.9
|
47
|
5,320,000
|
56,841
|
6,576,057,921
|
100
|
11,585,852
|
40-44
|
51.9
|
5.7
|
52.2
|
83
|
9,855,000
|
53,808
|
6,318,551,008
|
161
|
18,862,007
|
45-49
|
39.6
|
4.2
|
41.0
|
89
|
10,826,085
|
42,065
|
4,934,948,148
|
225
|
26,435,445
|
50-54
|
53.1
|
4.6
|
52.6
|
132
|
15,385,700
|
26,080
|
3,058,933,826
|
249
|
29,242,133
|
55-59
|
53.8
|
5.0
|
54.7
|
117
|
13,878,905
|
13,223
|
1,539,506,174
|
218
|
25,388,057
|
60-64
|
59.0
|
6.9
|
57.6
|
74
|
8,312,667
|
4,996
|
575,427,535
|
125
|
14,429,086
|
65+
|
55.6
|
10.9
|
55.0
|
26
|
2,926,000
|
1,283
|
146,037,173
|
47
|
5,323,767
|
Total
|
52.2
|
2.1
|
52.2
|
630
|
73,419,357
|
281,103
|
32,527,668,868
|
1,208
|
140,616,446
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.8
MALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
29.2
|
10.3
|
24.3
|
8
|
2,537,500
|
8,293
|
3,079,293,107
|
28
|
10,451,189
|
2
|
40.5
|
11.7
|
31.7
|
12
|
3,551,667
|
7,793
|
2,895,718,272
|
30
|
11,196,643
|
3
|
70.7
|
15.0
|
79.7
|
22
|
9,393,349
|
7,273
|
2,683,849,049
|
31
|
11,786,935
|
4
|
62.1
|
13.9
|
69.4
|
20
|
8,300,000
|
6,589
|
2,394,034,465
|
32
|
11,961,933
|
5
|
49.3
|
12.3
|
43.8
|
16
|
5,275,000
|
5,951
|
2,161,510,753
|
32
|
12,039,271
|
6
|
52.3
|
13.5
|
61.1
|
15
|
6,530,000
|
4,799
|
1,744,314,452
|
29
|
10,693,614
|
7+
|
68.7
|
10.1
|
58.3
|
46
|
14,260,000
|
8,888
|
3,192,689,101
|
67
|
24,455,825
|
Total
|
55.9
|
4.7
|
53.8
|
139
|
49,847,516
|
49,587
|
18,151,409,199
|
249
|
92,585,410
|
By Issue Age
|
20-24
|
106.5
|
106.5
|
87.4
|
1
|
250,000
|
1,351
|
410,889,277
|
1
|
286,204
|
25-29
|
75.3
|
43.5
|
72.4
|
3
|
950,000
|
3,911
|
1,287,433,850
|
4
|
1,312,160
|
30-34
|
43.1
|
17.6
|
51.2
|
6
|
2,560,000
|
8,899
|
3,173,717,024
|
14
|
4,998,809
|
35-39
|
45.6
|
12.2
|
55.4
|
14
|
6,210,000
|
12,094
|
4,420,038,989
|
31
|
11,217,177
|
40-44
|
70.6
|
11.7
|
55.8
|
36
|
10,815,849
|
11,184
|
4,267,885,823
|
51
|
19,396,747
|
45-49
|
44.4
|
8.9
|
41.9
|
25
|
9,061,667
|
6,960
|
2,671,435,609
|
56
|
21,639,349
|
50-54
|
43.5
|
9.5
|
45.6
|
21
|
8,250,000
|
3,437
|
1,285,031,080
|
48
|
18,100,786
|
55-59
|
81.1
|
16.5
|
80.7
|
24
|
8,600,000
|
1,342
|
485,877,172
|
30
|
10,661,797
|
60-64
|
66.4
|
23.5
|
65.3
|
8
|
2,900,000
|
371
|
136,838,731
|
12
|
4,442,854
|
65+
|
60.6
|
60.6
|
47.2
|
1
|
250,000
|
38
|
12,261,644
|
2
|
529,528
|
Total
|
55.9
|
4.7
|
53.8
|
139
|
49,847,516
|
49,587
|
18,151,409,199
|
249
|
92,585,410
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
634
|
193,284,096
|
0
|
118,015
|
25-29
|
101.6
|
71.8
|
102.6
|
2
|
650,000
|
2,431
|
780,257,906
|
2
|
633,359
|
30-34
|
43.7
|
25.2
|
33.4
|
3
|
800,000
|
5,716
|
1,991,366,341
|
7
|
2,398,473
|
35-39
|
33.5
|
13.6
|
35.5
|
6
|
2,310,000
|
10,071
|
3,628,609,221
|
18
|
6,506,647
|
40-44
|
60.8
|
13.2
|
65.1
|
21
|
8,525,849
|
11,559
|
4,350,718,278
|
35
|
13,101,303
|
45-49
|
50.8
|
10.0
|
43.4
|
26
|
8,390,000
|
9,515
|
3,599,795,150
|
51
|
19,346,735
|
50-54
|
56.0
|
10.2
|
50.5
|
30
|
10,171,667
|
5,588
|
2,094,496,861
|
54
|
20,142,849
|
55-59
|
50.2
|
10.4
|
50.7
|
23
|
8,800,000
|
2,778
|
1,049,557,265
|
46
|
17,368,684
|
60-64
|
87.0
|
18.6
|
95.2
|
22
|
8,550,000
|
998
|
354,834,548
|
25
|
8,983,345
|
65+
|
54.7
|
22.3
|
41.4
|
6
|
1,650,000
|
297
|
108,489,532
|
11
|
3,986,000
|
Total
|
55.9
|
4.7
|
53.8
|
139
|
49,847,516
|
49,587
|
18,151,409,199
|
249
|
92,585,410
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.9
FEMALE EXPERIENCE BY FACE AMOUNT -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.5
|
4.2
|
20.4
|
26
|
558,100
|
30,604
|
698,493,520
|
123
|
2,731,415
|
2
|
47.4
|
6.1
|
47.8
|
60
|
1,352,577
|
28,272
|
647,395,157
|
127
|
2,831,895
|
3
|
60.5
|
6.7
|
60.6
|
80
|
1,827,784
|
26,948
|
621,887,766
|
133
|
3,017,197
|
4
|
54.8
|
6.3
|
52.5
|
75
|
1,645,804
|
25,415
|
591,963,674
|
137
|
3,133,888
|
5
|
54.3
|
6.4
|
54.4
|
73
|
1,691,470
|
22,737
|
533,987,618
|
135
|
3,110,459
|
6
|
71.0
|
7.8
|
75.0
|
83
|
2,053,536
|
18,054
|
426,626,784
|
117
|
2,738,609
|
7+
|
56.6
|
5.2
|
54.7
|
120
|
2,798,015
|
27,121
|
655,386,241
|
212
|
5,111,582
|
Total
|
52.7
|
2.3
|
52.6
|
518
|
11,927,286
|
179,150
|
4,175,740,760
|
982
|
22,675,044
|
By Issue Age
|
20-24
|
73.0
|
25.8
|
80.7
|
8
|
185,000
|
12,788
|
267,255,860
|
11
|
229,283
|
25-29
|
66.5
|
15.7
|
62.7
|
18
|
380,000
|
21,307
|
477,206,362
|
27
|
605,821
|
30-34
|
68.8
|
12.3
|
77.5
|
31
|
818,200
|
23,046
|
538,506,289
|
45
|
1,056,105
|
35-39
|
50.6
|
8.1
|
57.5
|
39
|
1,085,750
|
25,289
|
616,386,145
|
77
|
1,886,910
|
40-44
|
60.6
|
6.6
|
63.8
|
84
|
2,166,180
|
29,594
|
723,187,280
|
139
|
3,393,705
|
45-49
|
51.5
|
5.0
|
47.1
|
106
|
2,369,106
|
29,434
|
713,909,755
|
206
|
5,033,704
|
50-54
|
48.5
|
4.7
|
46.2
|
105
|
2,350,444
|
21,403
|
500,818,499
|
217
|
5,086,813
|
55-59
|
51.3
|
5.6
|
48.8
|
85
|
1,731,733
|
11,739
|
249,759,249
|
166
|
3,548,065
|
60+
|
43.5
|
6.8
|
45.8
|
41
|
840,873
|
4,551
|
88,711,321
|
94
|
1,834,639
|
Total
|
52.7
|
2.3
|
52.6
|
518
|
11,927,286
|
179,150
|
4,175,740,760
|
982
|
22,675,044
|
By Attained Age
|
20-24
|
105.1
|
52.5
|
126.1
|
4
|
100,000
|
5,499
|
114,086,351
|
4
|
79,296
|
25-29
|
68.6
|
19.8
|
62.7
|
12
|
240,000
|
17,376
|
379,779,474
|
17
|
382,715
|
30-34
|
42.4
|
11.3
|
42.4
|
14
|
320,000
|
21,632
|
493,692,025
|
33
|
754,243
|
35-39
|
57.1
|
10.2
|
67.4
|
31
|
869,200
|
23,351
|
552,937,622
|
54
|
1,289,630
|
40-44
|
65.5
|
8.3
|
67.1
|
62
|
1,551,688
|
26,438
|
645,661,429
|
95
|
2,313,977
|
45-49
|
52.6
|
5.7
|
53.5
|
84
|
2,066,497
|
29,391
|
709,224,963
|
160
|
3,859,859
|
50-54
|
53.4
|
5.1
|
52.0
|
110
|
2,571,510
|
25,835
|
620,228,661
|
206
|
4,946,128
|
55-59
|
50.2
|
5.0
|
47.3
|
102
|
2,201,565
|
17,810
|
409,139,802
|
204
|
4,658,265
|
60-64
|
46.5
|
5.9
|
41.3
|
63
|
1,201,796
|
8,584
|
185,311,943
|
136
|
2,913,207
|
65+
|
47.8
|
8.1
|
54.5
|
35
|
805,030
|
3,233
|
65,678,489
|
73
|
1,477,724
|
Total
|
52.7
|
2.3
|
52.6
|
518
|
11,927,286
|
179,150
|
4,175,740,760
|
982
|
22,675,044
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.10
FEMALE EXPERIENCE BY FACE AMOUNT -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.9
|
5.2
|
32.7
|
37
|
2,012,500
|
37,768
|
2,017,678,478
|
116
|
6,150,328
|
2
|
48.9
|
6.5
|
48.6
|
57
|
3,022,254
|
33,674
|
1,806,824,652
|
117
|
6,220,933
|
3
|
43.6
|
6.0
|
43.9
|
53
|
2,863,990
|
31,048
|
1,673,536,373
|
122
|
6,525,231
|
4
|
54.5
|
6.6
|
54.0
|
69
|
3,662,360
|
29,032
|
1,570,776,719
|
127
|
6,784,440
|
5
|
56.7
|
6.7
|
57.3
|
71
|
3,873,652
|
26,032
|
1,414,553,194
|
126
|
6,760,425
|
6
|
51.6
|
6.7
|
52.5
|
60
|
3,292,128
|
21,832
|
1,187,392,555
|
116
|
6,265,719
|
7+
|
65.0
|
4.9
|
65.5
|
173
|
9,361,657
|
40,583
|
2,205,337,417
|
266
|
14,284,237
|
Total
|
52.6
|
2.3
|
53.0
|
521
|
28,088,541
|
219,969
|
11,876,099,389
|
990
|
52,991,315
|
By Issue Age
|
20-24
|
63.8
|
24.1
|
63.1
|
7
|
375,000
|
12,736
|
691,106,493
|
11
|
594,380
|
25-29
|
61.0
|
12.7
|
62.3
|
23
|
1,281,527
|
29,525
|
1,608,568,957
|
38
|
2,056,414
|
30-34
|
63.9
|
9.4
|
66.3
|
46
|
2,610,870
|
36,316
|
1,983,188,702
|
72
|
3,939,400
|
35-39
|
68.4
|
7.3
|
68.6
|
88
|
4,831,473
|
41,373
|
2,256,620,926
|
129
|
7,043,795
|
40-44
|
61.3
|
5.5
|
60.6
|
122
|
6,499,868
|
41,762
|
2,246,848,314
|
199
|
10,717,112
|
45-49
|
51.3
|
4.7
|
52.5
|
118
|
6,452,803
|
32,176
|
1,717,519,566
|
230
|
12,285,575
|
50-54
|
36.6
|
4.5
|
35.2
|
67
|
3,395,000
|
17,941
|
944,008,397
|
183
|
9,649,843
|
55-59
|
42.9
|
6.9
|
43.9
|
39
|
2,107,000
|
6,374
|
334,869,727
|
91
|
4,798,992
|
60-64
|
21.9
|
8.3
|
22.2
|
7
|
375,000
|
1,605
|
85,066,794
|
32
|
1,691,133
|
65+
|
71.6
|
41.3
|
74.5
|
3
|
160,000
|
162
|
8,301,513
|
4
|
214,671
|
Total
|
52.6
|
2.3
|
53.0
|
521
|
28,088,541
|
219,969
|
11,876,099,389
|
990
|
52,991,315
|
By Attained Age
|
20-24
|
53.2
|
37.6
|
49.1
|
2
|
100,000
|
5,401
|
292,786,747
|
4
|
203,616
|
25-29
|
51.2
|
15.4
|
58.6
|
11
|
681,527
|
21,260
|
1,151,827,919
|
21
|
1,163,345
|
30-34
|
67.2
|
11.7
|
66.4
|
33
|
1,772,870
|
32,059
|
1,744,471,069
|
49
|
2,670,562
|
35-39
|
59.8
|
8.5
|
61.6
|
50
|
2,801,189
|
35,890
|
1,953,807,566
|
84
|
4,548,850
|
40-44
|
59.8
|
6.5
|
58.7
|
84
|
4,489,070
|
39,551
|
2,151,132,632
|
141
|
7,653,783
|
45-49
|
58.7
|
5.4
|
59.2
|
119
|
6,467,269
|
37,730
|
2,033,426,371
|
203
|
10,931,119
|
50-54
|
52.2
|
5.0
|
52.4
|
111
|
5,942,116
|
26,962
|
1,435,940,131
|
213
|
11,333,018
|
55-59
|
39.3
|
4.9
|
39.0
|
63
|
3,302,500
|
14,329
|
756,167,504
|
161
|
8,476,169
|
60-64
|
43.5
|
7.3
|
44.7
|
35
|
1,897,000
|
5,244
|
275,230,358
|
81
|
4,239,279
|
65+
|
35.7
|
10.3
|
35.8
|
12
|
635,000
|
1,542
|
81,309,091
|
34
|
1,771,574
|
Total
|
52.6
|
2.3
|
53.0
|
521
|
28,088,541
|
219,969
|
11,876,099,389
|
990
|
52,991,315
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.11
FEMALE EXPERIENCE BY FACE AMOUNT -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.7
|
4.9
|
24.3
|
29
|
2,987,500
|
41,555
|
4,661,890,191
|
109
|
12,281,188
|
2
|
55.4
|
6.9
|
55.0
|
65
|
7,285,000
|
40,462
|
4,546,266,004
|
118
|
13,245,735
|
3
|
72.3
|
7.6
|
75.3
|
90
|
10,568,000
|
38,649
|
4,342,437,226
|
125
|
14,041,078
|
4
|
63.7
|
7.0
|
63.8
|
82
|
9,245,000
|
36,209
|
4,072,422,042
|
129
|
14,485,591
|
5
|
70.8
|
7.5
|
75.3
|
90
|
10,775,880
|
32,344
|
3,644,328,508
|
127
|
14,304,672
|
6
|
79.4
|
8.4
|
76.0
|
89
|
9,620,750
|
25,898
|
2,920,968,822
|
112
|
12,650,981
|
7+
|
66.8
|
5.3
|
66.5
|
159
|
17,811,507
|
44,544
|
5,022,986,172
|
238
|
26,779,954
|
Total
|
63.1
|
2.6
|
63.4
|
605
|
68,293,637
|
259,662
|
29,211,298,966
|
958
|
107,789,198
|
By Issue Age
|
20-24
|
69.3
|
20.9
|
63.6
|
11
|
1,117,500
|
18,400
|
2,039,148,892
|
16
|
1,756,785
|
25-29
|
62.7
|
10.4
|
62.6
|
36
|
4,005,880
|
44,185
|
4,921,077,203
|
57
|
6,402,167
|
30-34
|
63.5
|
7.6
|
65.2
|
70
|
8,120,000
|
54,845
|
6,181,675,008
|
110
|
12,457,658
|
35-39
|
60.6
|
6.1
|
64.3
|
100
|
12,022,052
|
53,437
|
6,051,881,642
|
165
|
18,708,118
|
40-44
|
70.7
|
5.9
|
71.8
|
145
|
16,735,750
|
43,336
|
4,925,275,868
|
205
|
23,304,606
|
45-49
|
67.3
|
5.9
|
66.5
|
130
|
14,470,000
|
27,342
|
3,075,266,172
|
194
|
21,758,700
|
50-54
|
54.6
|
6.4
|
50.9
|
72
|
7,565,000
|
12,989
|
1,454,740,443
|
133
|
14,868,319
|
55-59
|
48.8
|
8.9
|
46.9
|
30
|
3,182,455
|
4,305
|
474,907,821
|
61
|
6,791,167
|
60-64
|
58.3
|
20.6
|
59.8
|
8
|
875,000
|
711
|
75,872,228
|
14
|
1,463,739
|
65+
|
73.5
|
52.0
|
72.0
|
2
|
200,000
|
112
|
11,453,688
|
3
|
277,939
|
Total
|
63.1
|
2.6
|
63.4
|
605
|
68,293,637
|
259,662
|
29,211,298,966
|
958
|
107,789,198
|
By Attained Age
|
20-24
|
73.3
|
36.6
|
64.6
|
4
|
392,500
|
7,833
|
872,354,864
|
5
|
607,689
|
25-29
|
65.6
|
14.7
|
61.4
|
20
|
2,075,000
|
30,084
|
3,332,854,727
|
30
|
3,378,874
|
30-34
|
52.6
|
8.5
|
53.3
|
38
|
4,305,880
|
47,043
|
5,258,444,358
|
72
|
8,079,037
|
35-39
|
60.8
|
7.0
|
63.2
|
75
|
8,828,000
|
53,094
|
6,008,210,099
|
124
|
13,977,313
|
40-44
|
62.1
|
6.0
|
66.4
|
106
|
12,874,052
|
48,237
|
5,475,608,962
|
171
|
19,383,258
|
45-49
|
75.9
|
6.2
|
75.6
|
149
|
16,825,750
|
36,624
|
4,150,257,810
|
197
|
22,262,193
|
50-54
|
63.5
|
6.0
|
60.8
|
112
|
12,040,000
|
22,314
|
2,513,298,611
|
176
|
19,799,922
|
55-59
|
49.9
|
6.5
|
48.1
|
58
|
6,210,000
|
10,355
|
1,150,458,384
|
116
|
12,912,200
|
60-64
|
68.5
|
11.6
|
66.9
|
35
|
3,792,455
|
3,321
|
367,837,022
|
51
|
5,666,706
|
65+
|
50.1
|
17.7
|
55.2
|
8
|
950,000
|
758
|
81,974,128
|
16
|
1,722,006
|
Total
|
63.1
|
2.6
|
63.4
|
605
|
68,293,637
|
259,662
|
29,211,298,966
|
958
|
107,789,198
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.12
FEMALE EXPERIENCE BY FACE AMOUNT -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
58.2
|
22.0
|
43.0
|
7
|
1,750,000
|
4,031
|
1,339,142,633
|
12
|
4,074,078
|
2
|
33.0
|
16.4
|
43.1
|
4
|
1,760,000
|
3,697
|
1,218,748,436
|
12
|
4,085,589
|
3
|
56.2
|
21.2
|
82.4
|
7
|
3,400,000
|
3,401
|
1,115,007,249
|
12
|
4,124,577
|
4
|
49.1
|
20.0
|
56.4
|
6
|
2,250,000
|
3,029
|
980,418,603
|
12
|
3,990,139
|
5
|
77.2
|
25.7
|
63.1
|
9
|
2,375,000
|
2,644
|
847,129,750
|
12
|
3,764,491
|
6
|
92.0
|
30.7
|
118.7
|
9
|
3,730,000
|
2,076
|
660,420,186
|
10
|
3,141,550
|
7+
|
59.0
|
17.0
|
52.9
|
12
|
3,400,000
|
3,598
|
1,139,252,429
|
20
|
6,430,929
|
Total
|
59.6
|
8.1
|
63.0
|
54
|
18,665,000
|
22,476
|
7,300,119,286
|
91
|
29,611,354
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
839
|
242,402,423
|
1
|
199,838
|
25-29
|
90.3
|
52.1
|
129.2
|
3
|
1,350,000
|
2,551
|
801,405,888
|
3
|
1,045,269
|
30-34
|
43.5
|
21.7
|
41.0
|
4
|
1,200,000
|
4,563
|
1,456,194,478
|
9
|
2,923,847
|
35-39
|
48.2
|
17.1
|
53.3
|
8
|
2,925,000
|
5,441
|
1,803,140,727
|
17
|
5,485,664
|
40-44
|
60.7
|
16.8
|
50.5
|
13
|
3,590,000
|
4,551
|
1,519,277,429
|
21
|
7,111,074
|
45-49
|
52.2
|
16.5
|
62.3
|
10
|
3,800,000
|
2,749
|
883,120,522
|
19
|
6,104,132
|
50-54
|
73.3
|
24.4
|
76.6
|
9
|
3,150,000
|
1,242
|
416,582,020
|
12
|
4,112,045
|
55-59
|
102.8
|
38.9
|
120.2
|
7
|
2,650,000
|
477
|
155,557,228
|
7
|
2,203,889
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
63
|
22,438,571
|
1
|
425,596
|
Total
|
59.6
|
8.1
|
63.0
|
54
|
18,665,000
|
22,476
|
7,300,119,286
|
91
|
29,611,354
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
431
|
124,948,186
|
0
|
86,241
|
25-29
|
61.3
|
61.3
|
70.2
|
1
|
350,000
|
1,598
|
486,962,623
|
2
|
498,395
|
30-34
|
39.1
|
27.6
|
60.7
|
2
|
1,000,000
|
3,295
|
1,059,654,217
|
5
|
1,646,616
|
35-39
|
51.9
|
21.2
|
41.8
|
6
|
1,575,000
|
4,915
|
1,597,993,842
|
12
|
3,764,771
|
40-44
|
45.8
|
16.2
|
49.6
|
8
|
2,910,000
|
4,936
|
1,653,895,510
|
18
|
5,867,966
|
45-49
|
69.4
|
18.5
|
74.5
|
14
|
4,930,000
|
3,742
|
1,226,190,640
|
20
|
6,616,624
|
50-54
|
45.0
|
15.9
|
41.2
|
8
|
2,350,000
|
2,257
|
724,895,668
|
18
|
5,703,295
|
55-59
|
97.0
|
30.7
|
122.8
|
10
|
4,150,000
|
914
|
299,179,301
|
10
|
3,378,570
|
60-64
|
96.7
|
43.2
|
82.1
|
5
|
1,400,000
|
335
|
110,126,179
|
5
|
1,705,114
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
54
|
16,273,119
|
1
|
343,762
|
Total
|
59.6
|
8.1
|
63.0
|
54
|
18,665,000
|
22,476
|
7,300,119,286
|
91
|
29,611,354
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.13
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
54.1
|
13.1
|
43.7
|
17
|
279,000
|
9,723
|
204,045,385
|
32
|
639,006
|
2
|
36.5
|
10.5
|
42.5
|
12
|
285,000
|
8,966
|
189,139,499
|
33
|
671,081
|
3
|
96.3
|
16.7
|
101.2
|
33
|
714,008
|
8,412
|
178,962,299
|
34
|
705,855
|
4
|
72.9
|
14.6
|
79.9
|
25
|
565,755
|
7,766
|
166,230,310
|
34
|
708,120
|
5
|
73.1
|
14.9
|
81.1
|
24
|
555,000
|
6,761
|
146,548,333
|
33
|
684,295
|
6
|
90.2
|
18.0
|
96.5
|
25
|
561,500
|
5,225
|
113,433,222
|
28
|
581,571
|
7+
|
91.0
|
13.6
|
92.9
|
45
|
994,674
|
7,606
|
168,144,351
|
49
|
1,071,084
|
Total
|
74.5
|
5.5
|
78.1
|
181
|
3,954,937
|
54,460
|
1,166,503,399
|
244
|
5,061,013
|
By Issue Age
|
20-24
|
70.7
|
40.8
|
88.6
|
3
|
75,000
|
5,476
|
109,319,630
|
4
|
84,625
|
25-29
|
55.6
|
24.9
|
59.2
|
5
|
115,000
|
8,109
|
175,709,041
|
9
|
194,113
|
30-34
|
66.7
|
22.2
|
65.9
|
9
|
195,000
|
7,808
|
170,544,132
|
13
|
295,874
|
35-39
|
88.8
|
19.4
|
98.5
|
21
|
545,000
|
8,480
|
197,427,203
|
24
|
553,089
|
40-44
|
72.4
|
12.8
|
81.6
|
32
|
797,000
|
9,737
|
215,515,920
|
44
|
976,260
|
45-49
|
83.1
|
11.7
|
88.0
|
50
|
1,105,508
|
8,338
|
172,778,699
|
61
|
1,255,603
|
50-54
|
63.5
|
11.2
|
61.1
|
32
|
612,429
|
4,447
|
87,614,065
|
51
|
1,001,778
|
55-59
|
71.5
|
16.0
|
59.5
|
20
|
305,000
|
1,656
|
30,121,596
|
28
|
512,353
|
60-64
|
90.8
|
32.1
|
110.5
|
8
|
180,000
|
380
|
6,857,525
|
9
|
162,883
|
65+
|
91.8
|
91.8
|
102.3
|
1
|
25,000
|
28
|
615,588
|
1
|
24,435
|
Total
|
74.5
|
5.5
|
78.1
|
181
|
3,954,937
|
54,460
|
1,166,503,399
|
244
|
5,061,013
|
By Attained Age
|
20-24
|
64.2
|
64.2
|
80.2
|
1
|
25,000
|
2,410
|
48,011,229
|
2
|
31,185
|
25-29
|
32.4
|
22.9
|
38.7
|
2
|
50,000
|
6,944
|
145,540,892
|
6
|
129,175
|
30-34
|
77.2
|
27.3
|
76.8
|
8
|
170,000
|
7,780
|
166,602,027
|
10
|
221,468
|
35-39
|
83.3
|
23.1
|
97.4
|
13
|
344,000
|
7,619
|
172,210,872
|
16
|
353,032
|
40-44
|
69.5
|
15.2
|
72.8
|
21
|
501,000
|
9,153
|
209,384,988
|
30
|
688,158
|
45-49
|
88.1
|
13.2
|
94.8
|
44
|
1,017,508
|
9,282
|
199,051,675
|
50
|
1,073,158
|
50-54
|
63.7
|
10.5
|
68.3
|
37
|
814,000
|
6,743
|
138,603,763
|
58
|
1,191,806
|
55-59
|
69.7
|
12.7
|
66.7
|
30
|
563,429
|
3,198
|
62,551,588
|
43
|
845,217
|
60-64
|
90.2
|
20.7
|
80.3
|
19
|
315,000
|
1,066
|
19,577,196
|
21
|
392,170
|
65+
|
85.5
|
34.9
|
114.3
|
6
|
155,000
|
264
|
4,969,170
|
7
|
135,645
|
Total
|
74.5
|
5.5
|
78.1
|
181
|
3,954,937
|
54,460
|
1,166,503,399
|
244
|
5,061,013
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.14
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
55.3
|
17.5
|
57.4
|
10
|
555,000
|
8,244
|
443,739,569
|
18
|
967,028
|
2
|
73.8
|
20.4
|
68.8
|
13
|
655,000
|
7,113
|
384,522,611
|
18
|
951,823
|
3
|
73.6
|
20.4
|
76.4
|
13
|
726,000
|
6,266
|
340,151,129
|
18
|
950,434
|
4
|
83.7
|
21.6
|
87.0
|
15
|
837,870
|
5,601
|
303,891,979
|
18
|
962,616
|
5
|
50.3
|
16.8
|
49.9
|
9
|
478,725
|
4,939
|
268,062,896
|
18
|
959,620
|
6
|
111.5
|
26.3
|
111.3
|
18
|
964,128
|
3,983
|
215,820,029
|
16
|
865,993
|
7+
|
96.0
|
14.8
|
100.2
|
42
|
2,327,396
|
7,459
|
401,811,568
|
44
|
2,321,615
|
Total
|
80.5
|
7.3
|
82.0
|
120
|
6,544,119
|
43,605
|
2,357,999,783
|
149
|
7,979,130
|
By Issue Age
|
20-39
|
71.8
|
11.8
|
72.9
|
37
|
2,038,519
|
30,031
|
1,635,943,631
|
52
|
2,797,235
|
40-44
|
91.0
|
16.6
|
93.7
|
30
|
1,650,000
|
7,155
|
381,710,587
|
33
|
1,760,159
|
45-49
|
98.1
|
17.6
|
100.8
|
31
|
1,696,000
|
4,175
|
221,968,698
|
32
|
1,681,834
|
50-54
|
61.7
|
17.1
|
63.6
|
13
|
710,000
|
1,686
|
89,139,032
|
21
|
1,116,592
|
55+
|
75.6
|
25.2
|
72.1
|
9
|
449,600
|
557
|
29,237,835
|
12
|
623,311
|
Total
|
80.5
|
7.3
|
82.0
|
120
|
6,544,119
|
43,605
|
2,357,999,783
|
149
|
7,979,130
|
By Attained Age
|
20-44
|
66.1
|
10.6
|
67.0
|
39
|
2,136,123
|
32,497
|
1,766,160,757
|
59
|
3,189,749
|
45-49
|
103.3
|
18.0
|
106.0
|
33
|
1,818,396
|
6,053
|
324,019,351
|
32
|
1,715,475
|
50-54
|
80.4
|
17.1
|
83.4
|
22
|
1,215,000
|
3,172
|
168,909,233
|
27
|
1,457,568
|
55-59
|
97.7
|
23.0
|
96.8
|
18
|
940,000
|
1,347
|
70,818,069
|
18
|
971,038
|
60+
|
64.9
|
22.9
|
67.3
|
8
|
434,600
|
536
|
28,092,372
|
12
|
645,301
|
Total
|
80.5
|
7.3
|
82.0
|
120
|
6,544,119
|
43,605
|
2,357,999,783
|
149
|
7,979,130
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.15
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
30.9
|
15.2
|
27.7
|
4
|
410,000
|
6,838
|
758,830,889
|
13
|
1,478,378
|
2
|
86.5
|
25.0
|
97.3
|
12
|
1,500,000
|
6,250
|
691,036,193
|
14
|
1,541,333
|
3
|
105.2
|
27.2
|
106.9
|
15
|
1,700,000
|
5,683
|
627,907,475
|
14
|
1,590,676
|
4
|
41.6
|
17.0
|
40.4
|
6
|
650,000
|
5,042
|
556,892,061
|
14
|
1,607,698
|
5
|
136.6
|
31.3
|
139.7
|
19
|
2,170,880
|
4,380
|
485,247,468
|
14
|
1,553,599
|
6
|
92.0
|
27.7
|
85.8
|
11
|
1,150,000
|
3,329
|
368,950,618
|
12
|
1,341,019
|
7+
|
88.1
|
18.4
|
87.6
|
23
|
2,566,085
|
5,532
|
617,875,929
|
26
|
2,929,365
|
Total
|
83.6
|
8.8
|
84.3
|
90
|
10,146,965
|
37,054
|
4,106,740,633
|
108
|
12,042,068
|
By Issue Age
|
20-34
|
80.9
|
17.7
|
89.8
|
21
|
2,555,880
|
20,954
|
2,295,187,782
|
26
|
2,847,394
|
35-39
|
91.5
|
22.2
|
84.3
|
17
|
1,766,085
|
6,958
|
783,324,222
|
19
|
2,094,992
|
40-44
|
64.7
|
16.7
|
64.6
|
15
|
1,675,000
|
5,109
|
571,231,018
|
23
|
2,592,714
|
45-49
|
129.1
|
25.3
|
131.4
|
26
|
3,040,000
|
2,638
|
303,222,966
|
20
|
2,313,673
|
50-54
|
37.3
|
16.7
|
33.5
|
5
|
500,000
|
1,089
|
121,133,539
|
13
|
1,492,853
|
55-59
|
100.3
|
44.4
|
93.7
|
5
|
510,000
|
249
|
26,796,038
|
5
|
544,038
|
60+
|
66.2
|
66.2
|
63.9
|
1
|
100,000
|
56
|
5,845,068
|
2
|
156,405
|
Total
|
83.6
|
8.8
|
84.3
|
90
|
10,146,965
|
37,054
|
4,106,740,633
|
108
|
12,042,068
|
By Attained Age
|
20-39
|
69.9
|
14.9
|
73.6
|
22
|
2,555,880
|
23,815
|
2,617,463,871
|
31
|
3,471,348
|
40-44
|
73.1
|
19.5
|
72.5
|
14
|
1,550,000
|
6,058
|
676,844,262
|
19
|
2,136,896
|
45-49
|
138.4
|
25.3
|
137.3
|
30
|
3,381,085
|
4,087
|
464,278,758
|
22
|
2,462,527
|
50-54
|
65.8
|
19.0
|
69.6
|
12
|
1,450,000
|
2,057
|
234,585,934
|
18
|
2,082,467
|
55-59
|
72.6
|
25.5
|
65.7
|
8
|
810,000
|
778
|
85,620,743
|
11
|
1,233,743
|
60+
|
65.4
|
32.7
|
61.1
|
4
|
400,000
|
259
|
27,947,065
|
6
|
655,087
|
Total
|
83.6
|
8.8
|
84.3
|
90
|
10,146,965
|
37,054
|
4,106,740,633
|
108
|
12,042,068
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.16
TOTAL EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
189.4
|
109.4
|
177.4
|
3
|
1,000,000
|
594
|
206,986,800
|
2
|
563,738
|
2
|
62.8
|
62.8
|
45.8
|
1
|
250,000
|
536
|
180,204,831
|
2
|
545,341
|
3
|
131.8
|
93.2
|
127.3
|
2
|
650,000
|
457
|
148,467,128
|
2
|
510,730
|
4
|
69.7
|
69.7
|
51.3
|
1
|
250,000
|
395
|
127,640,453
|
1
|
487,519
|
5
|
134.5
|
95.1
|
97.3
|
2
|
500,000
|
361
|
120,720,455
|
1
|
513,810
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
300
|
100,847,746
|
1
|
447,400
|
7+
|
29.8
|
29.8
|
36.1
|
1
|
400,000
|
607
|
199,492,190
|
3
|
1,109,136
|
Total
|
81.6
|
25.8
|
73.0
|
10
|
3,050,000
|
3,250
|
1,084,359,603
|
12
|
4,177,674
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
162
|
48,609,687
|
0
|
35,953
|
25-29
|
212.7
|
212.7
|
242.3
|
1
|
350,000
|
450
|
137,374,424
|
0
|
144,456
|
30-34
|
79.4
|
79.4
|
95.1
|
1
|
400,000
|
740
|
248,050,780
|
1
|
420,789
|
35-39
|
97.5
|
68.9
|
81.9
|
2
|
550,000
|
734
|
242,955,660
|
2
|
671,235
|
40-44
|
110.3
|
63.7
|
74.0
|
3
|
750,000
|
598
|
218,942,766
|
3
|
1,013,850
|
45-49
|
95.5
|
55.1
|
98.8
|
3
|
1,000,000
|
404
|
132,027,646
|
3
|
1,012,215
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
101
|
35,034,426
|
1
|
462,567
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60
|
21,364,213
|
1
|
416,609
|
Total
|
81.6
|
25.8
|
73.0
|
10
|
3,050,000
|
3,250
|
1,084,359,603
|
12
|
4,177,674
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
74
|
21,686,469
|
0
|
13,549
|
25-29
|
365.6
|
365.6
|
425.8
|
1
|
350,000
|
320
|
96,489,040
|
0
|
82,191
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
518
|
168,742,789
|
1
|
213,725
|
35-39
|
154.0
|
108.9
|
128.7
|
2
|
550,000
|
678
|
224,478,849
|
1
|
427,354
|
40-44
|
138.3
|
79.8
|
120.1
|
3
|
900,000
|
696
|
241,101,071
|
2
|
749,176
|
45-49
|
132.2
|
66.1
|
119.0
|
4
|
1,250,000
|
564
|
194,684,940
|
3
|
1,050,329
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
262
|
89,863,112
|
2
|
811,997
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
101
|
34,751,175
|
2
|
544,662
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
37
|
12,562,158
|
1
|
284,692
|
Total
|
81.6
|
25.8
|
73.0
|
10
|
3,050,000
|
3,250
|
1,084,359,603
|
12
|
4,177,674
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.17
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
86.7
|
24.0
|
71.1
|
13
|
221,000
|
4,867
|
104,231,537
|
15
|
310,992
|
2
|
44.4
|
16.6
|
56.1
|
7
|
185,000
|
4,372
|
93,616,942
|
16
|
329,549
|
3
|
103.9
|
25.1
|
110.3
|
17
|
378,008
|
3,987
|
86,215,337
|
16
|
342,828
|
4
|
79.7
|
22.1
|
100.9
|
13
|
345,000
|
3,647
|
79,093,040
|
16
|
341,992
|
5
|
45.0
|
17.0
|
62.3
|
7
|
205,000
|
3,128
|
68,520,441
|
16
|
328,993
|
6
|
76.2
|
24.1
|
83.6
|
10
|
231,500
|
2,397
|
52,251,846
|
13
|
276,749
|
7+
|
82.4
|
18.4
|
95.8
|
20
|
509,000
|
3,530
|
77,944,837
|
24
|
531,089
|
Total
|
74.7
|
8.0
|
84.3
|
87
|
2,074,508
|
25,927
|
561,873,980
|
117
|
2,462,192
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,676
|
53,906,237
|
2
|
37,679
|
25-29
|
50.0
|
35.4
|
62.9
|
2
|
55,000
|
4,177
|
91,810,433
|
4
|
87,405
|
30-34
|
53.5
|
30.9
|
60.9
|
3
|
75,000
|
3,800
|
83,142,371
|
6
|
123,193
|
35-39
|
111.8
|
33.7
|
112.7
|
11
|
258,000
|
3,986
|
92,478,418
|
10
|
228,825
|
40-44
|
82.9
|
20.1
|
93.1
|
17
|
430,000
|
4,674
|
105,156,479
|
21
|
461,642
|
45-49
|
92.8
|
17.8
|
117.3
|
27
|
715,508
|
3,792
|
78,980,363
|
29
|
610,223
|
50-54
|
49.1
|
13.6
|
47.0
|
13
|
256,000
|
2,018
|
40,865,208
|
27
|
545,034
|
55-59
|
63.4
|
21.1
|
60.5
|
9
|
165,000
|
657
|
12,636,062
|
14
|
272,522
|
60-64
|
104.2
|
52.1
|
127.8
|
4
|
95,000
|
123
|
2,382,819
|
4
|
74,321
|
65+
|
103.5
|
103.5
|
117.1
|
1
|
25,000
|
24
|
515,588
|
1
|
21,348
|
Total
|
74.7
|
8.0
|
84.3
|
87
|
2,074,508
|
25,927
|
561,873,980
|
117
|
2,462,192
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,158
|
23,238,415
|
1
|
13,976
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,593
|
76,872,825
|
3
|
60,549
|
30-34
|
91.0
|
45.5
|
111.6
|
4
|
105,000
|
3,853
|
82,634,509
|
4
|
94,054
|
35-39
|
109.9
|
41.6
|
125.9
|
7
|
182,000
|
3,660
|
82,863,085
|
6
|
144,558
|
40-44
|
68.6
|
22.9
|
63.7
|
9
|
191,000
|
4,372
|
100,219,927
|
13
|
299,899
|
45-49
|
103.6
|
21.1
|
119.5
|
24
|
607,508
|
4,323
|
94,560,340
|
23
|
508,343
|
50-54
|
65.2
|
14.9
|
78.8
|
19
|
472,000
|
3,087
|
63,399,912
|
29
|
599,109
|
55-59
|
59.5
|
16.5
|
58.9
|
13
|
262,000
|
1,326
|
27,020,537
|
22
|
444,544
|
60-64
|
59.8
|
22.6
|
62.2
|
7
|
145,000
|
468
|
9,363,133
|
12
|
233,203
|
65+
|
124.5
|
62.2
|
172.0
|
4
|
110,000
|
87
|
1,701,296
|
3
|
63,957
|
Total
|
74.7
|
8.0
|
84.3
|
87
|
2,074,508
|
25,927
|
561,873,980
|
117
|
2,462,192
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.18
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
40.5
|
20.3
|
35.9
|
4
|
190,000
|
4,809
|
259,893,371
|
10
|
528,795
|
2
|
82.5
|
29.2
|
76.6
|
8
|
400,000
|
4,093
|
222,542,202
|
10
|
522,302
|
3
|
93.0
|
31.0
|
96.0
|
9
|
501,000
|
3,564
|
194,377,619
|
10
|
522,143
|
4
|
81.6
|
28.8
|
81.4
|
8
|
430,000
|
3,137
|
170,989,687
|
10
|
528,498
|
5
|
30.4
|
17.5
|
26.3
|
3
|
139,600
|
2,733
|
148,867,857
|
10
|
531,347
|
6
|
78.2
|
29.6
|
77.7
|
7
|
375,000
|
2,190
|
119,383,055
|
9
|
482,719
|
7+
|
90.9
|
19.0
|
97.4
|
23
|
1,310,000
|
4,043
|
218,975,102
|
25
|
1,345,551
|
Total
|
74.5
|
9.5
|
75.0
|
62
|
3,345,600
|
24,570
|
1,335,028,893
|
83
|
4,461,354
|
By Issue Age
|
20-39
|
57.1
|
14.8
|
53.7
|
15
|
770,000
|
17,075
|
936,124,677
|
26
|
1,432,725
|
40-44
|
105.8
|
24.3
|
109.9
|
19
|
1,050,000
|
4,003
|
212,827,817
|
18
|
955,279
|
45-49
|
77.0
|
20.6
|
80.8
|
14
|
776,000
|
2,284
|
121,089,728
|
18
|
960,274
|
50-54
|
76.1
|
24.1
|
79.1
|
10
|
560,000
|
914
|
49,294,400
|
13
|
707,574
|
55+
|
52.3
|
26.1
|
46.8
|
4
|
189,600
|
294
|
15,692,272
|
8
|
405,502
|
Total
|
74.5
|
9.5
|
75.0
|
62
|
3,345,600
|
24,570
|
1,335,028,893
|
83
|
4,461,354
|
By Attained Age
|
20-44
|
52.7
|
13.2
|
49.8
|
16
|
820,000
|
18,530
|
1,012,334,894
|
30
|
1,645,448
|
45-49
|
118.7
|
25.9
|
125.2
|
21
|
1,186,000
|
3,354
|
179,601,996
|
18
|
946,919
|
50-54
|
75.4
|
21.8
|
75.3
|
12
|
640,000
|
1,707
|
91,145,004
|
16
|
849,905
|
55-59
|
71.7
|
25.4
|
71.7
|
8
|
425,000
|
689
|
36,621,593
|
11
|
592,880
|
60+
|
61.9
|
27.7
|
64.4
|
5
|
274,600
|
289
|
15,325,406
|
8
|
426,202
|
Total
|
74.5
|
9.5
|
75.0
|
62
|
3,345,600
|
24,570
|
1,335,028,893
|
83
|
4,461,354
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.19
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.0
|
18.0
|
23.1
|
2
|
210,000
|
4,372
|
488,773,513
|
8
|
908,073
|
2
|
105.8
|
35.3
|
120.1
|
9
|
1,150,000
|
3,982
|
443,668,183
|
9
|
957,292
|
3
|
114.4
|
36.2
|
101.3
|
10
|
1,000,000
|
3,607
|
401,593,046
|
9
|
986,724
|
4
|
56.7
|
25.4
|
55.4
|
5
|
550,000
|
3,159
|
351,266,066
|
9
|
992,402
|
5
|
137.0
|
39.6
|
133.9
|
12
|
1,325,000
|
2,781
|
310,768,863
|
9
|
989,328
|
6
|
52.1
|
26.0
|
45.9
|
4
|
400,000
|
2,125
|
237,790,184
|
8
|
872,059
|
7+
|
108.5
|
24.9
|
109.1
|
19
|
2,166,085
|
3,532
|
400,082,527
|
18
|
1,985,795
|
Total
|
89.7
|
11.5
|
88.4
|
61
|
6,801,085
|
23,558
|
2,633,942,382
|
68
|
7,691,672
|
By Issue Age
|
20-34
|
86.0
|
23.9
|
89.7
|
13
|
1,500,000
|
13,310
|
1,467,226,035
|
15
|
1,672,667
|
35-39
|
107.3
|
31.0
|
95.4
|
12
|
1,216,085
|
4,546
|
515,257,720
|
11
|
1,274,161
|
40-44
|
63.3
|
21.1
|
66.8
|
9
|
1,075,000
|
3,185
|
360,544,751
|
14
|
1,610,094
|
45-49
|
120.4
|
30.1
|
121.8
|
16
|
1,900,000
|
1,653
|
194,846,156
|
13
|
1,560,451
|
50-54
|
55.1
|
24.7
|
48.9
|
5
|
500,000
|
651
|
73,444,765
|
9
|
1,023,513
|
55-59
|
125.2
|
55.4
|
118.4
|
5
|
510,000
|
176
|
18,677,887
|
4
|
430,787
|
60+
|
87.2
|
87.2
|
83.3
|
1
|
100,000
|
37
|
3,945,068
|
1
|
119,999
|
Total
|
89.7
|
11.5
|
88.4
|
61
|
6,801,085
|
23,558
|
2,633,942,382
|
68
|
7,691,672
|
By Attained Age
|
20-39
|
81.6
|
21.1
|
78.4
|
15
|
1,600,000
|
15,197
|
1,679,711,271
|
18
|
2,040,982
|
40-44
|
78.6
|
26.2
|
77.4
|
9
|
1,000,000
|
3,875
|
437,455,630
|
11
|
1,292,686
|
45-49
|
124.7
|
30.2
|
128.8
|
17
|
2,041,085
|
2,582
|
299,997,713
|
14
|
1,584,734
|
50-54
|
68.2
|
24.1
|
70.1
|
8
|
950,000
|
1,229
|
142,189,097
|
12
|
1,355,527
|
55-59
|
102.4
|
36.0
|
91.4
|
8
|
810,000
|
485
|
54,282,473
|
8
|
886,153
|
60+
|
80.3
|
40.2
|
75.2
|
4
|
400,000
|
189
|
20,306,197
|
5
|
531,589
|
Total
|
89.7
|
11.5
|
88.4
|
61
|
6,801,085
|
23,558
|
2,633,942,382
|
68
|
7,691,672
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.20
MALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
245.6
|
141.8
|
225.8
|
3
|
1,000,000
|
466
|
165,311,747
|
1
|
442,916
|
2
|
83.1
|
83.1
|
59.9
|
1
|
250,000
|
411
|
140,818,791
|
1
|
417,555
|
3
|
88.4
|
88.4
|
78.2
|
1
|
300,000
|
339
|
111,177,643
|
1
|
383,622
|
4
|
94.3
|
94.3
|
67.5
|
1
|
250,000
|
292
|
96,647,173
|
1
|
370,588
|
5
|
89.1
|
89.1
|
62.8
|
1
|
250,000
|
270
|
92,761,309
|
1
|
397,959
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
219
|
75,740,866
|
1
|
342,328
|
7+
|
37.4
|
37.4
|
44.3
|
1
|
400,000
|
471
|
158,838,824
|
3
|
903,090
|
Total
|
85.5
|
30.2
|
75.2
|
8
|
2,450,000
|
2,468
|
841,296,353
|
9
|
3,258,057
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
121
|
36,676,792
|
0
|
25,343
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
342
|
103,828,336
|
0
|
103,433
|
30-34
|
112.8
|
112.8
|
127.7
|
1
|
400,000
|
560
|
196,201,895
|
1
|
313,256
|
35-39
|
129.2
|
91.3
|
105.4
|
2
|
550,000
|
572
|
193,651,972
|
2
|
521,757
|
40-44
|
147.3
|
85.0
|
96.0
|
3
|
750,000
|
454
|
169,939,100
|
2
|
780,845
|
45-49
|
80.8
|
57.1
|
93.3
|
2
|
750,000
|
301
|
99,442,596
|
2
|
803,875
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
73
|
26,971,585
|
1
|
384,383
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
43
|
14,584,076
|
1
|
325,164
|
Total
|
85.5
|
30.2
|
75.2
|
8
|
2,450,000
|
2,468
|
841,296,353
|
9
|
3,258,057
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
58
|
17,315,903
|
0
|
10,386
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
236
|
71,455,298
|
0
|
57,037
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
402
|
132,916,678
|
0
|
159,381
|
35-39
|
222.0
|
157.0
|
178.4
|
2
|
550,000
|
507
|
173,679,203
|
1
|
308,370
|
40-44
|
183.4
|
105.9
|
154.5
|
3
|
900,000
|
544
|
193,565,345
|
2
|
582,524
|
45-49
|
136.8
|
79.0
|
128.9
|
3
|
1,000,000
|
410
|
144,011,182
|
2
|
775,963
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
205
|
71,819,550
|
2
|
671,791
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
76
|
26,721,038
|
1
|
449,495
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
29
|
9,812,158
|
1
|
243,109
|
Total
|
85.5
|
30.2
|
75.2
|
8
|
2,450,000
|
2,468
|
841,296,353
|
9
|
3,258,057
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.21
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.2
|
12.1
|
17.7
|
4
|
58,000
|
4,856
|
99,813,848
|
17
|
328,013
|
2
|
29.2
|
13.1
|
29.3
|
5
|
100,000
|
4,594
|
95,522,557
|
17
|
341,532
|
3
|
89.4
|
22.3
|
92.6
|
16
|
336,000
|
4,425
|
92,746,962
|
18
|
363,028
|
4
|
66.6
|
19.2
|
60.3
|
12
|
220,755
|
4,120
|
87,137,270
|
18
|
366,128
|
5
|
98.5
|
23.9
|
98.5
|
17
|
350,000
|
3,633
|
78,027,892
|
17
|
355,303
|
6
|
102.8
|
26.5
|
108.3
|
15
|
330,000
|
2,829
|
61,181,376
|
15
|
304,823
|
7+
|
99.2
|
19.8
|
89.9
|
25
|
485,674
|
4,075
|
90,199,514
|
25
|
539,995
|
Total
|
74.3
|
7.7
|
72.4
|
94
|
1,880,429
|
28,532
|
604,629,419
|
127
|
2,598,822
|
By Issue Age
|
20-24
|
126.3
|
72.9
|
159.8
|
3
|
75,000
|
2,800
|
55,413,392
|
2
|
46,946
|
25-29
|
60.1
|
34.7
|
56.2
|
3
|
60,000
|
3,931
|
83,898,608
|
5
|
106,708
|
30-34
|
76.0
|
31.0
|
69.5
|
6
|
120,000
|
4,008
|
87,401,761
|
8
|
172,681
|
35-39
|
72.4
|
22.9
|
88.5
|
10
|
287,000
|
4,494
|
104,948,785
|
14
|
324,264
|
40-44
|
63.3
|
16.3
|
71.3
|
15
|
367,000
|
5,063
|
110,359,440
|
24
|
514,618
|
45-49
|
74.0
|
15.4
|
60.4
|
23
|
390,000
|
4,546
|
93,798,336
|
31
|
645,380
|
50-54
|
79.8
|
18.3
|
78.0
|
19
|
356,429
|
2,429
|
46,748,857
|
24
|
456,744
|
55-59
|
79.8
|
24.1
|
58.4
|
11
|
140,000
|
999
|
17,485,534
|
14
|
239,831
|
60+
|
78.5
|
39.2
|
92.7
|
4
|
85,000
|
261
|
4,574,706
|
5
|
91,649
|
Total
|
74.3
|
7.7
|
72.4
|
94
|
1,880,429
|
28,532
|
604,629,419
|
127
|
2,598,822
|
By Attained Age
|
20-24
|
115.3
|
115.3
|
145.3
|
1
|
25,000
|
1,252
|
24,772,814
|
1
|
17,209
|
25-29
|
59.7
|
42.2
|
72.9
|
2
|
50,000
|
3,351
|
68,668,067
|
3
|
68,626
|
30-34
|
67.1
|
33.5
|
51.0
|
4
|
65,000
|
3,927
|
83,967,518
|
6
|
127,414
|
35-39
|
64.9
|
26.5
|
77.7
|
6
|
162,000
|
3,959
|
89,347,787
|
9
|
208,475
|
40-44
|
70.3
|
20.3
|
79.8
|
12
|
310,000
|
4,782
|
109,165,060
|
17
|
388,259
|
45-49
|
74.6
|
16.6
|
72.6
|
20
|
410,000
|
4,958
|
104,491,335
|
27
|
564,815
|
50-54
|
62.3
|
14.7
|
57.7
|
18
|
342,000
|
3,656
|
75,203,850
|
29
|
592,696
|
55-59
|
80.2
|
19.4
|
75.2
|
17
|
301,429
|
1,872
|
35,531,051
|
21
|
400,673
|
60-64
|
128.3
|
37.0
|
106.9
|
12
|
170,000
|
599
|
10,214,064
|
9
|
158,967
|
65+
|
52.6
|
37.2
|
62.8
|
2
|
45,000
|
177
|
3,267,874
|
4
|
71,688
|
Total
|
74.3
|
7.7
|
72.4
|
94
|
1,880,429
|
28,532
|
604,629,419
|
127
|
2,598,822
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.22
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-3
|
62.3
|
16.0
|
65.2
|
15
|
845,000
|
9,156
|
491,600,118
|
24
|
1,296,046
|
4
|
86.2
|
32.6
|
94.0
|
7
|
407,870
|
2,464
|
132,902,292
|
8
|
434,118
|
5
|
74.9
|
30.6
|
79.2
|
6
|
339,125
|
2,205
|
119,195,039
|
8
|
428,273
|
6
|
153.0
|
46.1
|
153.7
|
11
|
589,128
|
1,793
|
96,436,974
|
7
|
383,275
|
7+
|
103.1
|
23.7
|
104.2
|
19
|
1,017,396
|
3,416
|
182,836,467
|
18
|
976,064
|
Total
|
88.0
|
11.5
|
90.9
|
58
|
3,198,519
|
19,034
|
1,022,970,890
|
66
|
3,517,776
|
By Issue Age
|
20-39
|
87.0
|
18.5
|
93.0
|
22
|
1,268,519
|
12,955
|
699,818,954
|
25
|
1,364,510
|
40-44
|
73.3
|
22.1
|
74.5
|
11
|
600,000
|
3,151
|
168,882,770
|
15
|
804,879
|
45-49
|
126.5
|
30.6
|
127.5
|
17
|
920,000
|
1,891
|
100,878,970
|
14
|
721,560
|
50-54
|
37.9
|
21.9
|
36.7
|
3
|
150,000
|
773
|
39,844,633
|
8
|
409,018
|
55-59
|
138.6
|
69.3
|
135.0
|
4
|
200,000
|
202
|
10,371,111
|
3
|
148,121
|
60+
|
73.5
|
73.5
|
86.1
|
1
|
60,000
|
62
|
3,174,452
|
1
|
69,688
|
Total
|
88.0
|
11.5
|
90.9
|
58
|
3,198,519
|
19,034
|
1,022,970,890
|
66
|
3,517,776
|
By Attained Age
|
20-44
|
80.2
|
16.7
|
85.2
|
23
|
1,316,123
|
13,966
|
753,825,863
|
29
|
1,544,301
|
45-49
|
84.3
|
24.2
|
82.3
|
12
|
632,396
|
2,699
|
144,417,355
|
14
|
768,556
|
50-54
|
87.3
|
27.6
|
94.6
|
10
|
575,000
|
1,465
|
77,764,229
|
11
|
607,663
|
55-59
|
137.5
|
43.5
|
136.2
|
10
|
515,000
|
657
|
34,196,476
|
7
|
378,158
|
60+
|
70.6
|
40.8
|
73.0
|
3
|
160,000
|
247
|
12,766,966
|
4
|
219,099
|
Total
|
88.0
|
11.5
|
90.9
|
58
|
3,198,519
|
19,034
|
1,022,970,890
|
66
|
3,517,776
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.23
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
38.4
|
27.1
|
35.1
|
2
|
200,000
|
2,466
|
270,057,376
|
5
|
570,305
|
2
|
55.8
|
32.2
|
59.9
|
3
|
350,000
|
2,268
|
247,368,010
|
5
|
584,041
|
3
|
90.7
|
40.5
|
115.9
|
5
|
700,000
|
2,077
|
226,314,428
|
6
|
603,952
|
4
|
17.8
|
17.8
|
16.3
|
1
|
100,000
|
1,882
|
205,625,995
|
6
|
615,296
|
5
|
135.9
|
51.4
|
149.9
|
7
|
845,880
|
1,599
|
174,478,605
|
5
|
564,271
|
6
|
163.5
|
61.8
|
159.9
|
7
|
750,000
|
1,204
|
131,160,434
|
4
|
468,960
|
7+
|
46.6
|
23.3
|
42.4
|
4
|
400,000
|
2,000
|
217,793,402
|
9
|
943,570
|
Total
|
73.0
|
13.6
|
76.9
|
29
|
3,345,880
|
13,496
|
1,472,798,251
|
40
|
4,350,397
|
By Issue Age
|
20-34
|
73.8
|
26.1
|
89.9
|
8
|
1,055,880
|
7,645
|
827,961,747
|
11
|
1,174,727
|
35-39
|
67.7
|
30.3
|
67.0
|
5
|
550,000
|
2,412
|
268,066,502
|
7
|
820,831
|
40-44
|
67.0
|
27.4
|
61.1
|
6
|
600,000
|
1,924
|
210,686,267
|
9
|
982,620
|
45-49
|
146.0
|
46.2
|
151.3
|
10
|
1,140,000
|
985
|
108,376,810
|
7
|
753,222
|
50-54
|
0.0
|
0.0
|
0.0
|
0
|
0
|
439
|
47,688,774
|
4
|
469,340
|
55+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
92
|
10,018,151
|
1
|
149,656
|
Total
|
73.0
|
13.6
|
76.9
|
29
|
3,345,880
|
13,496
|
1,472,798,251
|
40
|
4,350,397
|
By Attained Age
|
20-39
|
53.5
|
20.2
|
66.8
|
7
|
955,880
|
8,617
|
937,752,599
|
13
|
1,430,366
|
40-44
|
65.0
|
29.0
|
65.1
|
5
|
550,000
|
2,183
|
239,388,631
|
8
|
844,210
|
45-49
|
161.7
|
44.9
|
152.7
|
13
|
1,340,000
|
1,505
|
164,281,046
|
8
|
877,793
|
50-54
|
61.4
|
30.7
|
68.8
|
4
|
500,000
|
828
|
92,396,837
|
7
|
726,940
|
55-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
293
|
31,338,270
|
3
|
347,591
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
70
|
7,640,868
|
1
|
123,497
|
Total
|
73.0
|
13.6
|
76.9
|
29
|
3,345,880
|
13,496
|
1,472,798,251
|
40
|
4,350,397
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.24
FEMALE EXPERIENCE BY FACE AMOUNT -- SMOKERS -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
128
|
41,675,053
|
0
|
120,822
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
124
|
39,386,040
|
0
|
127,786
|
3
|
258.8
|
258.8
|
275.4
|
1
|
350,000
|
118
|
37,289,485
|
0
|
127,107
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
103
|
30,993,281
|
0
|
116,932
|
5
|
274.6
|
274.6
|
215.8
|
1
|
250,000
|
92
|
27,959,146
|
0
|
115,851
|
6
|
0.0
|
0.0
|
0.0
|
0
|
0
|
81
|
25,106,880
|
0
|
105,072
|
7+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
136
|
40,653,366
|
1
|
206,046
|
Total
|
69.2
|
48.9
|
65.2
|
2
|
600,000
|
783
|
243,063,250
|
3
|
919,618
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
41
|
11,932,895
|
0
|
10,610
|
25-29
|
760.4
|
760.4
|
853.2
|
1
|
350,000
|
108
|
33,546,088
|
0
|
41,023
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
181
|
51,848,884
|
0
|
107,533
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
162
|
49,303,689
|
1
|
149,478
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
144
|
49,003,666
|
1
|
233,005
|
45+
|
85.9
|
85.9
|
66.1
|
1
|
250,000
|
147
|
47,428,029
|
1
|
377,969
|
Total
|
69.2
|
48.9
|
65.2
|
2
|
600,000
|
783
|
243,063,250
|
3
|
919,618
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15
|
4,370,566
|
0
|
3,163
|
25-29
|
1180.1
|
1180.1
|
1391.5
|
1
|
350,000
|
84
|
25,033,742
|
0
|
25,154
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
115
|
35,826,111
|
0
|
54,344
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
170
|
50,799,647
|
0
|
118,984
|
40-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
152
|
47,535,726
|
1
|
166,652
|
45-49
|
120.2
|
120.2
|
91.1
|
1
|
250,000
|
155
|
50,673,759
|
1
|
274,366
|
50+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
90
|
28,823,699
|
1
|
276,956
|
Total
|
69.2
|
48.9
|
65.2
|
2
|
600,000
|
783
|
243,063,250
|
3
|
919,618
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.25
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
17.9
|
3.1
|
18.4
|
32
|
755,100
|
42,722
|
990,271,370
|
181
|
4,100,793
|
2
|
43.1
|
4.8
|
44.0
|
82
|
1,903,008
|
39,721
|
922,911,707
|
191
|
4,329,631
|
3
|
44.9
|
4.7
|
45.5
|
93
|
2,157,347
|
38,146
|
893,103,706
|
206
|
4,744,850
|
4
|
51.8
|
4.9
|
51.1
|
112
|
2,567,407
|
36,137
|
853,393,808
|
217
|
5,019,957
|
5
|
49.1
|
4.8
|
49.7
|
106
|
2,513,408
|
32,391
|
770,667,639
|
216
|
5,059,549
|
6
|
60.8
|
5.6
|
64.7
|
116
|
2,914,497
|
25,912
|
619,036,073
|
191
|
4,507,350
|
7+
|
49.9
|
3.7
|
50.5
|
184
|
4,526,241
|
40,226
|
980,215,384
|
369
|
8,967,796
|
Total
|
46.2
|
1.7
|
47.2
|
726
|
17,337,008
|
255,254
|
6,029,599,686
|
1,571
|
36,729,925
|
By Issue Age
|
20-24
|
59.7
|
21.1
|
77.8
|
8
|
220,000
|
16,951
|
356,414,767
|
13
|
282,863
|
25-29
|
64.9
|
13.8
|
65.3
|
22
|
500,000
|
29,418
|
665,526,599
|
34
|
765,158
|
30-34
|
53.3
|
9.6
|
58.8
|
31
|
808,200
|
33,123
|
778,767,828
|
58
|
1,374,480
|
35-39
|
40.8
|
6.3
|
46.2
|
41
|
1,148,331
|
36,090
|
881,298,378
|
101
|
2,483,074
|
40-44
|
54.3
|
5.3
|
55.7
|
104
|
2,662,872
|
41,388
|
1,028,741,213
|
192
|
4,781,811
|
45-49
|
45.8
|
3.8
|
44.8
|
144
|
3,514,101
|
42,102
|
1,043,723,264
|
315
|
7,851,861
|
50-54
|
44.7
|
3.5
|
43.8
|
166
|
3,899,522
|
31,593
|
752,349,493
|
372
|
8,903,991
|
55-59
|
46.1
|
3.9
|
47.8
|
143
|
3,224,281
|
17,771
|
386,154,805
|
309
|
6,749,213
|
60+
|
37.6
|
4.6
|
38.4
|
66
|
1,359,701
|
6,818
|
136,623,339
|
176
|
3,537,476
|
Total
|
46.2
|
1.7
|
47.2
|
726
|
17,337,008
|
255,254
|
6,029,599,686
|
1,571
|
36,729,925
|
By Attained Age
|
20-24
|
83.6
|
41.8
|
99.9
|
4
|
100,000
|
7,325
|
152,296,299
|
5
|
100,084
|
25-29
|
70.0
|
18.1
|
74.6
|
15
|
355,000
|
23,334
|
516,856,184
|
21
|
476,045
|
30-34
|
35.8
|
9.2
|
36.3
|
15
|
350,000
|
30,565
|
702,201,219
|
42
|
964,302
|
35-39
|
44.8
|
8.0
|
52.4
|
31
|
867,200
|
33,278
|
792,242,549
|
69
|
1,655,771
|
40-44
|
55.6
|
6.7
|
57.4
|
69
|
1,758,615
|
37,353
|
916,279,885
|
125
|
3,064,419
|
45-49
|
44.0
|
4.4
|
44.8
|
99
|
2,495,843
|
41,347
|
1,022,128,620
|
225
|
5,573,076
|
50-54
|
49.4
|
3.9
|
49.2
|
161
|
3,896,827
|
37,412
|
913,528,198
|
325
|
7,919,895
|
55-59
|
42.3
|
3.4
|
41.7
|
152
|
3,482,321
|
26,485
|
619,891,348
|
359
|
8,358,056
|
60-64
|
45.9
|
4.2
|
46.8
|
119
|
2,669,614
|
13,229
|
291,869,135
|
259
|
5,710,064
|
65+
|
43.5
|
5.6
|
46.8
|
61
|
1,361,588
|
4,925
|
102,306,250
|
140
|
2,908,212
|
Total
|
46.2
|
1.7
|
47.2
|
726
|
17,337,008
|
255,254
|
6,029,599,686
|
1,571
|
36,729,925
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.26
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.9
|
3.7
|
27.8
|
53
|
2,922,500
|
61,157
|
3,289,713,090
|
197
|
10,511,543
|
2
|
46.4
|
4.8
|
46.3
|
94
|
5,046,540
|
55,131
|
2,978,821,918
|
204
|
10,895,143
|
3
|
45.6
|
4.6
|
44.5
|
99
|
5,195,806
|
51,323
|
2,785,142,843
|
218
|
11,677,244
|
4
|
53.7
|
4.8
|
52.1
|
124
|
6,476,033
|
48,440
|
2,639,184,686
|
231
|
12,430,140
|
5
|
55.4
|
4.9
|
55.7
|
128
|
6,945,527
|
43,285
|
2,365,941,985
|
231
|
12,477,473
|
6
|
48.3
|
4.7
|
48.4
|
104
|
5,630,725
|
36,088
|
1,971,841,750
|
215
|
11,629,095
|
7+
|
57.4
|
3.4
|
57.0
|
291
|
15,619,460
|
67,229
|
3,669,078,132
|
507
|
27,378,635
|
Total
|
49.6
|
1.7
|
49.3
|
894
|
47,836,591
|
362,653
|
19,699,724,405
|
1,803
|
96,999,272
|
By Issue Age
|
20-24
|
39.7
|
16.2
|
39.4
|
6
|
325,000
|
19,091
|
1,041,516,186
|
15
|
823,903
|
25-29
|
59.0
|
10.6
|
59.0
|
31
|
1,697,527
|
45,390
|
2,487,961,423
|
53
|
2,879,479
|
30-34
|
53.0
|
7.1
|
52.9
|
55
|
3,013,000
|
58,503
|
3,209,318,264
|
104
|
5,697,949
|
35-39
|
56.3
|
5.4
|
56.4
|
108
|
5,966,344
|
67,005
|
3,687,678,667
|
192
|
10,581,970
|
40-44
|
49.2
|
3.9
|
48.4
|
162
|
8,654,854
|
70,226
|
3,807,337,911
|
330
|
17,883,662
|
45-49
|
49.3
|
3.4
|
49.5
|
211
|
11,369,103
|
55,843
|
2,995,554,740
|
429
|
22,987,388
|
50-54
|
47.7
|
3.5
|
46.5
|
184
|
9,522,036
|
31,807
|
1,687,511,802
|
386
|
20,495,816
|
55-59
|
50.7
|
4.8
|
51.3
|
110
|
5,875,727
|
11,780
|
623,786,728
|
216
|
11,452,929
|
60-64
|
34.3
|
7.2
|
34.3
|
23
|
1,213,000
|
2,659
|
140,586,378
|
67
|
3,539,627
|
65+
|
32.7
|
16.4
|
30.5
|
4
|
200,000
|
348
|
18,472,306
|
12
|
656,550
|
Total
|
49.6
|
1.7
|
49.3
|
894
|
47,836,591
|
362,653
|
19,699,724,405
|
1,803
|
96,999,272
|
By Attained Age
|
20-24
|
36.9
|
26.1
|
33.9
|
2
|
100,000
|
8,230
|
448,683,909
|
5
|
295,092
|
25-29
|
58.4
|
14.2
|
60.3
|
17
|
956,527
|
31,623
|
1,723,342,014
|
29
|
1,584,988
|
30-34
|
50.6
|
8.6
|
49.4
|
35
|
1,866,000
|
50,378
|
2,756,998,121
|
69
|
3,776,985
|
35-39
|
50.9
|
6.5
|
50.9
|
62
|
3,395,962
|
58,753
|
3,225,685,853
|
122
|
6,672,298
|
40-44
|
48.0
|
4.7
|
47.4
|
104
|
5,633,107
|
65,591
|
3,590,110,807
|
217
|
11,876,475
|
45-49
|
50.4
|
3.8
|
50.3
|
173
|
9,360,316
|
63,691
|
3,456,137,302
|
343
|
18,595,624
|
50-54
|
48.5
|
3.5
|
48.4
|
197
|
10,519,652
|
46,907
|
2,508,104,269
|
407
|
21,737,265
|
55-59
|
52.1
|
3.9
|
51.4
|
180
|
9,439,550
|
25,277
|
1,344,915,943
|
345
|
18,352,359
|
60-64
|
49.9
|
5.1
|
49.5
|
94
|
4,952,477
|
9,484
|
501,529,155
|
189
|
9,999,406
|
65+
|
38.8
|
7.1
|
39.3
|
30
|
1,613,000
|
2,720
|
144,217,032
|
77
|
4,108,780
|
Total
|
49.6
|
1.7
|
49.3
|
894
|
47,836,591
|
362,653
|
19,699,724,405
|
1,803
|
96,999,272
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.27
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.2
|
3.6
|
26.2
|
58
|
6,442,500
|
78,921
|
9,000,659,992
|
215
|
24,595,135
|
2
|
55.4
|
4.9
|
55.6
|
130
|
15,027,200
|
77,345
|
8,834,153,908
|
235
|
27,013,531
|
3
|
60.7
|
4.9
|
60.6
|
155
|
17,765,500
|
74,367
|
8,494,349,944
|
255
|
29,292,252
|
4
|
59.1
|
4.7
|
58.8
|
159
|
18,165,000
|
69,991
|
7,996,498,024
|
270
|
30,890,756
|
5
|
58.0
|
4.6
|
59.6
|
157
|
18,543,905
|
62,685
|
7,185,062,097
|
271
|
31,128,069
|
6
|
59.7
|
4.9
|
56.8
|
146
|
16,008,417
|
50,651
|
5,814,346,574
|
245
|
28,177,215
|
7+
|
59.7
|
3.2
|
60.7
|
339
|
39,613,507
|
89,751
|
10,307,156,663
|
568
|
65,266,618
|
Total
|
55.6
|
1.6
|
55.7
|
1,145
|
131,566,029
|
503,711
|
57,632,227,201
|
2,058
|
236,363,576
|
By Issue Age
|
20-24
|
88.4
|
18.9
|
81.7
|
22
|
2,267,500
|
31,560
|
3,526,467,697
|
25
|
2,775,414
|
25-29
|
68.9
|
8.7
|
67.0
|
62
|
6,780,000
|
77,379
|
8,699,254,931
|
90
|
10,121,716
|
30-34
|
58.1
|
5.6
|
60.6
|
108
|
12,880,000
|
104,707
|
11,975,703,727
|
186
|
21,267,759
|
35-39
|
52.1
|
4.2
|
54.4
|
153
|
18,457,052
|
104,887
|
12,093,125,572
|
294
|
33,905,129
|
40-44
|
56.1
|
3.7
|
56.1
|
231
|
26,860,750
|
88,331
|
10,241,269,547
|
413
|
47,872,377
|
45-49
|
53.2
|
3.5
|
53.1
|
233
|
26,638,200
|
56,315
|
6,462,776,866
|
437
|
50,211,014
|
50-54
|
59.3
|
4.1
|
58.3
|
213
|
24,116,705
|
28,347
|
3,259,963,032
|
359
|
41,368,742
|
55-59
|
48.5
|
5.0
|
47.0
|
93
|
10,240,822
|
10,023
|
1,132,239,814
|
192
|
21,798,345
|
60-64
|
47.7
|
9.5
|
47.7
|
25
|
2,825,000
|
1,875
|
210,106,724
|
52
|
5,921,993
|
65+
|
49.2
|
22.0
|
44.6
|
5
|
500,000
|
287
|
31,319,292
|
10
|
1,121,087
|
Total
|
55.6
|
1.6
|
55.7
|
1,145
|
131,566,029
|
503,711
|
57,632,227,201
|
2,058
|
236,363,576
|
By Attained Age
|
20-24
|
68.0
|
27.8
|
64.9
|
6
|
642,500
|
13,408
|
1,505,721,831
|
9
|
990,146
|
25-29
|
76.7
|
12.8
|
72.5
|
36
|
3,805,000
|
51,364
|
5,742,145,818
|
47
|
5,245,402
|
30-34
|
55.3
|
6.9
|
54.8
|
65
|
7,285,000
|
86,513
|
9,794,813,589
|
118
|
13,301,891
|
35-39
|
55.6
|
5.2
|
56.5
|
116
|
13,548,000
|
102,601
|
11,765,983,944
|
209
|
23,970,079
|
40-44
|
56.1
|
4.2
|
58.7
|
175
|
21,179,052
|
95,987
|
11,117,315,708
|
312
|
36,108,369
|
45-49
|
52.1
|
3.6
|
52.5
|
208
|
24,270,750
|
74,602
|
8,620,927,199
|
400
|
46,235,111
|
50-54
|
57.0
|
3.7
|
55.3
|
232
|
25,975,700
|
46,337
|
5,337,646,503
|
407
|
46,959,587
|
55-59
|
51.7
|
4.0
|
52.0
|
167
|
19,278,905
|
22,800
|
2,604,343,816
|
323
|
37,066,513
|
60-64
|
62.4
|
6.0
|
60.9
|
107
|
11,905,122
|
8,091
|
918,723,930
|
172
|
19,550,792
|
65+
|
51.9
|
9.2
|
53.0
|
32
|
3,676,000
|
2,007
|
224,604,862
|
62
|
6,935,687
|
Total
|
55.6
|
1.6
|
55.7
|
1,145
|
131,566,029
|
503,711
|
57,632,227,201
|
2,058
|
236,363,576
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.28
TOTAL EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.7
|
9.1
|
23.5
|
12
|
3,287,500
|
11,730
|
4,211,448,940
|
38
|
13,961,529
|
2
|
37.4
|
9.6
|
34.3
|
15
|
5,061,667
|
10,955
|
3,934,261,877
|
40
|
14,736,891
|
3
|
64.2
|
12.3
|
78.8
|
27
|
12,143,349
|
10,217
|
3,650,389,171
|
42
|
15,400,782
|
4
|
58.2
|
11.6
|
66.6
|
25
|
10,300,000
|
9,223
|
3,246,812,614
|
43
|
15,464,553
|
5
|
54.0
|
11.3
|
46.8
|
23
|
7,150,000
|
8,234
|
2,887,920,047
|
43
|
15,289,952
|
6
|
64.6
|
13.2
|
76.6
|
24
|
10,260,000
|
6,574
|
2,303,886,892
|
37
|
13,387,765
|
7+
|
67.9
|
9.0
|
58.0
|
57
|
17,260,000
|
11,880
|
4,132,449,340
|
84
|
29,777,619
|
Total
|
56.0
|
4.1
|
55.5
|
183
|
65,462,516
|
68,812
|
24,367,168,881
|
328
|
118,019,090
|
By Issue Age
|
20-24
|
66.1
|
66.1
|
55.5
|
1
|
250,000
|
2,028
|
604,682,013
|
2
|
450,089
|
25-29
|
73.1
|
32.7
|
88.1
|
5
|
1,950,000
|
6,011
|
1,951,465,314
|
7
|
2,212,974
|
30-34
|
41.2
|
13.7
|
44.8
|
9
|
3,360,000
|
12,722
|
4,381,860,722
|
22
|
7,501,867
|
35-39
|
44.2
|
9.9
|
53.6
|
20
|
8,585,000
|
16,801
|
5,980,224,056
|
45
|
16,031,606
|
40-44
|
66.0
|
9.7
|
53.6
|
46
|
13,655,849
|
15,136
|
5,568,220,487
|
70
|
25,493,970
|
45-49
|
44.2
|
7.8
|
44.4
|
32
|
11,861,667
|
9,306
|
3,422,528,484
|
72
|
26,731,266
|
50-54
|
50.6
|
9.2
|
52.4
|
30
|
11,400,000
|
4,578
|
1,666,578,673
|
59
|
21,750,264
|
55-59
|
87.8
|
15.8
|
90.2
|
31
|
11,250,000
|
1,761
|
620,970,187
|
35
|
12,472,167
|
60-64
|
61.4
|
21.7
|
60.3
|
8
|
2,900,000
|
426
|
157,127,301
|
13
|
4,808,711
|
65+
|
55.6
|
55.6
|
44.2
|
1
|
250,000
|
43
|
13,511,644
|
2
|
566,177
|
Total
|
56.0
|
4.1
|
55.5
|
183
|
65,462,516
|
68,812
|
24,367,168,881
|
328
|
118,019,090
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
991
|
296,545,813
|
1
|
190,706
|
25-29
|
60.1
|
42.5
|
61.9
|
2
|
650,000
|
3,709
|
1,170,731,490
|
3
|
1,049,563
|
30-34
|
44.2
|
19.7
|
47.0
|
5
|
1,800,000
|
8,493
|
2,882,277,769
|
11
|
3,831,364
|
35-39
|
35.5
|
11.2
|
33.9
|
10
|
3,335,000
|
14,308
|
5,002,124,214
|
28
|
9,844,064
|
40-44
|
52.2
|
10.2
|
57.8
|
26
|
10,535,849
|
15,800
|
5,763,512,717
|
50
|
18,220,093
|
45-49
|
52.7
|
8.8
|
48.4
|
36
|
12,070,000
|
12,693
|
4,631,300,850
|
68
|
24,913,031
|
50-54
|
55.1
|
8.9
|
50.0
|
38
|
12,521,667
|
7,582
|
2,729,529,417
|
69
|
25,034,147
|
55-59
|
60.4
|
10.5
|
64.1
|
33
|
12,950,000
|
3,591
|
1,313,985,391
|
55
|
20,202,592
|
60-64
|
91.1
|
17.5
|
95.6
|
27
|
9,950,000
|
1,296
|
452,647,885
|
30
|
10,411,148
|
65+
|
49.7
|
20.3
|
38.2
|
6
|
1,650,000
|
349
|
124,513,334
|
12
|
4,322,382
|
Total
|
56.0
|
4.1
|
55.5
|
183
|
65,462,516
|
68,812
|
24,367,168,881
|
328
|
118,019,090
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.29
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.6
|
4.2
|
15.0
|
10
|
255,000
|
16,974
|
391,591,698
|
75
|
1,697,391
|
2
|
33.5
|
6.4
|
35.4
|
27
|
650,431
|
16,043
|
371,039,106
|
81
|
1,839,268
|
3
|
30.9
|
5.8
|
31.8
|
28
|
665,563
|
15,623
|
363,962,902
|
91
|
2,090,680
|
4
|
50.5
|
7.2
|
50.7
|
49
|
1,142,358
|
14,841
|
348,567,403
|
98
|
2,252,197
|
5
|
50.5
|
7.1
|
50.9
|
50
|
1,171,938
|
13,287
|
314,707,912
|
99
|
2,304,393
|
6
|
54.2
|
7.8
|
57.4
|
48
|
1,190,961
|
10,686
|
253,590,666
|
89
|
2,073,564
|
7+
|
49.0
|
5.2
|
50.4
|
89
|
2,213,900
|
17,181
|
415,028,658
|
182
|
4,396,210
|
Total
|
42.2
|
2.4
|
43.8
|
302
|
7,290,151
|
104,636
|
2,458,488,346
|
715
|
16,653,703
|
By Issue Age
|
20-24
|
62.2
|
35.9
|
109.4
|
3
|
110,000
|
6,962
|
144,572,299
|
5
|
100,526
|
25-29
|
59.4
|
22.4
|
67.7
|
7
|
180,000
|
12,042
|
272,218,844
|
12
|
266,045
|
30-34
|
28.5
|
11.6
|
22.4
|
6
|
110,000
|
14,086
|
327,663,300
|
21
|
491,057
|
35-39
|
32.3
|
9.2
|
38.0
|
12
|
349,581
|
15,296
|
369,861,018
|
38
|
920,428
|
40-44
|
45.8
|
7.7
|
45.4
|
35
|
863,692
|
16,857
|
415,913,373
|
77
|
1,902,725
|
45-49
|
43.7
|
5.6
|
44.3
|
61
|
1,534,995
|
17,214
|
423,611,845
|
140
|
3,463,536
|
50-54
|
44.8
|
5.0
|
44.6
|
80
|
1,905,507
|
12,619
|
298,279,851
|
179
|
4,273,922
|
55-59
|
43.5
|
5.3
|
47.4
|
68
|
1,632,548
|
7,032
|
153,881,090
|
157
|
3,440,979
|
60+
|
33.5
|
6.2
|
33.6
|
29
|
603,828
|
2,528
|
52,486,724
|
87
|
1,794,486
|
Total
|
42.2
|
2.4
|
43.8
|
302
|
7,290,151
|
104,636
|
2,458,488,346
|
715
|
16,653,703
|
By Attained Age
|
20-24
|
54.2
|
54.2
|
65.8
|
1
|
25,000
|
3,079
|
62,982,762
|
2
|
37,997
|
25-29
|
68.5
|
30.6
|
101.9
|
5
|
165,000
|
9,309
|
205,744,777
|
7
|
161,957
|
30-34
|
33.7
|
15.1
|
28.2
|
5
|
95,000
|
12,860
|
292,476,711
|
15
|
337,473
|
35-39
|
24.8
|
10.1
|
27.8
|
6
|
160,000
|
13,886
|
328,652,714
|
24
|
574,616
|
40-44
|
41.0
|
9.3
|
45.4
|
19
|
516,927
|
15,697
|
379,783,517
|
47
|
1,138,701
|
45-49
|
38.2
|
6.4
|
36.8
|
35
|
839,346
|
16,914
|
417,394,992
|
92
|
2,278,032
|
50-54
|
46.3
|
5.6
|
46.7
|
68
|
1,667,317
|
15,232
|
368,503,387
|
148
|
3,566,464
|
55-59
|
37.6
|
4.6
|
38.6
|
66
|
1,582,185
|
10,546
|
246,282,596
|
176
|
4,100,463
|
60-64
|
51.1
|
6.2
|
55.4
|
68
|
1,637,818
|
5,244
|
116,771,255
|
133
|
2,955,824
|
65+
|
39.6
|
7.5
|
40.0
|
28
|
601,558
|
1,869
|
39,895,635
|
71
|
1,502,176
|
Total
|
42.2
|
2.4
|
43.8
|
302
|
7,290,151
|
104,636
|
2,458,488,346
|
715
|
16,653,703
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.30
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.7
|
5.3
|
26.6
|
22
|
1,275,000
|
26,824
|
1,455,880,810
|
89
|
4,799,448
|
2
|
44.7
|
6.9
|
44.7
|
42
|
2,279,286
|
24,477
|
1,333,977,675
|
95
|
5,103,731
|
3
|
48.3
|
6.8
|
45.8
|
50
|
2,556,816
|
22,977
|
1,257,379,981
|
104
|
5,580,304
|
4
|
55.3
|
7.0
|
53.0
|
62
|
3,221,543
|
21,872
|
1,201,310,259
|
113
|
6,079,817
|
5
|
55.4
|
7.0
|
55.5
|
63
|
3,411,000
|
19,459
|
1,070,583,829
|
114
|
6,145,322
|
6
|
51.8
|
7.0
|
50.9
|
55
|
2,927,725
|
16,048
|
880,886,169
|
106
|
5,746,651
|
7+
|
52.8
|
4.5
|
51.7
|
137
|
7,275,199
|
30,062
|
1,646,577,182
|
260
|
14,070,461
|
Total
|
49.1
|
2.4
|
48.3
|
432
|
22,946,569
|
161,718
|
8,846,595,906
|
879
|
47,525,734
|
By Issue Age
|
20-24
|
17.2
|
17.2
|
15.7
|
1
|
50,000
|
8,296
|
454,145,092
|
6
|
318,282
|
25-29
|
67.5
|
18.7
|
66.4
|
13
|
706,000
|
19,404
|
1,071,257,540
|
19
|
1,063,519
|
30-34
|
33.2
|
9.2
|
30.1
|
13
|
650,000
|
25,841
|
1,426,516,389
|
39
|
2,157,539
|
35-39
|
41.2
|
7.4
|
42.3
|
31
|
1,765,520
|
29,454
|
1,634,889,395
|
75
|
4,174,483
|
40-44
|
35.0
|
4.9
|
34.6
|
51
|
2,754,986
|
31,616
|
1,729,372,367
|
146
|
7,971,430
|
45-49
|
51.9
|
5.0
|
51.1
|
110
|
5,836,300
|
25,559
|
1,378,914,144
|
212
|
11,423,373
|
50-54
|
57.1
|
5.2
|
55.8
|
120
|
6,277,036
|
14,639
|
783,348,038
|
210
|
11,254,991
|
55-59
|
58.4
|
6.8
|
58.3
|
74
|
3,968,727
|
5,608
|
299,288,112
|
127
|
6,802,057
|
60-64
|
44.0
|
11.0
|
43.8
|
16
|
838,000
|
1,111
|
58,414,855
|
36
|
1,912,467
|
65+
|
24.6
|
17.4
|
22.3
|
2
|
100,000
|
191
|
10,449,973
|
8
|
447,595
|
Total
|
49.1
|
2.4
|
48.3
|
432
|
22,946,569
|
161,718
|
8,846,595,906
|
879
|
47,525,734
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,670
|
200,649,426
|
2
|
122,447
|
25-29
|
76.4
|
27.0
|
72.3
|
8
|
415,000
|
13,204
|
724,372,461
|
10
|
574,335
|
30-34
|
35.6
|
11.9
|
35.2
|
9
|
491,000
|
21,783
|
1,201,783,223
|
25
|
1,393,570
|
35-39
|
39.1
|
9.2
|
36.1
|
18
|
919,773
|
26,254
|
1,454,956,314
|
46
|
2,547,800
|
40-44
|
31.7
|
6.0
|
32.8
|
28
|
1,597,290
|
29,467
|
1,622,859,209
|
89
|
4,871,831
|
45-49
|
42.8
|
5.3
|
41.8
|
66
|
3,525,443
|
28,659
|
1,567,128,285
|
154
|
8,433,061
|
50-54
|
46.8
|
4.8
|
46.8
|
96
|
5,152,536
|
21,410
|
1,149,928,367
|
205
|
11,011,910
|
55-59
|
66.1
|
5.9
|
64.9
|
126
|
6,652,050
|
11,605
|
622,944,915
|
191
|
10,254,348
|
60-64
|
55.0
|
7.0
|
53.4
|
61
|
3,155,477
|
4,432
|
236,198,215
|
111
|
5,913,181
|
65+
|
42.2
|
9.7
|
43.2
|
19
|
1,038,000
|
1,234
|
65,775,490
|
45
|
2,403,251
|
Total
|
49.1
|
2.4
|
48.3
|
432
|
22,946,569
|
161,718
|
8,846,595,906
|
879
|
47,525,734
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.31
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
5.0
|
28.4
|
31
|
3,655,000
|
39,831
|
4,608,827,178
|
110
|
12,884,253
|
2
|
55.5
|
6.7
|
56.4
|
68
|
8,092,200
|
39,150
|
4,535,255,913
|
123
|
14,351,837
|
3
|
51.2
|
6.1
|
49.8
|
70
|
7,897,500
|
37,794
|
4,378,227,146
|
136
|
15,855,126
|
4
|
53.5
|
6.0
|
53.0
|
78
|
9,020,000
|
35,664
|
4,129,701,977
|
146
|
17,020,461
|
5
|
49.7
|
5.8
|
49.5
|
74
|
8,613,905
|
31,940
|
3,715,212,194
|
149
|
17,387,669
|
6
|
46.7
|
5.8
|
44.6
|
64
|
7,137,667
|
25,957
|
3,024,538,186
|
137
|
15,995,194
|
7+
|
54.4
|
4.0
|
56.3
|
184
|
22,202,000
|
47,208
|
5,501,963,893
|
338
|
39,430,234
|
Total
|
49.9
|
2.1
|
50.1
|
569
|
66,618,272
|
257,545
|
29,893,726,486
|
1,140
|
132,924,775
|
By Issue Age
|
20-24
|
104.4
|
31.5
|
97.2
|
11
|
1,150,000
|
14,927
|
1,678,543,367
|
11
|
1,183,131
|
25-29
|
82.3
|
15.0
|
79.3
|
30
|
3,280,000
|
36,307
|
4,114,186,124
|
36
|
4,133,660
|
30-34
|
51.8
|
8.0
|
56.5
|
42
|
5,310,000
|
52,626
|
6,094,757,508
|
81
|
9,406,216
|
35-39
|
42.6
|
5.6
|
43.6
|
58
|
6,985,000
|
53,862
|
6,309,310,432
|
136
|
16,017,842
|
40-44
|
42.6
|
4.4
|
42.0
|
92
|
10,725,000
|
46,919
|
5,526,679,946
|
217
|
25,550,392
|
45-49
|
44.9
|
4.2
|
45.6
|
112
|
13,308,200
|
29,959
|
3,495,887,504
|
250
|
29,205,536
|
50-54
|
60.8
|
5.1
|
61.4
|
140
|
16,551,705
|
15,797
|
1,852,911,363
|
230
|
26,969,763
|
55-59
|
48.0
|
6.0
|
46.7
|
63
|
7,058,367
|
5,791
|
665,450,144
|
132
|
15,120,428
|
60-64
|
43.7
|
10.6
|
43.5
|
17
|
1,950,000
|
1,179
|
135,734,495
|
39
|
4,485,616
|
65+
|
39.9
|
23.0
|
35.2
|
3
|
300,000
|
179
|
20,265,604
|
8
|
852,192
|
Total
|
49.9
|
2.1
|
50.1
|
569
|
66,618,272
|
257,545
|
29,893,726,486
|
1,140
|
132,924,775
|
By Attained Age
|
20-24
|
51.4
|
36.3
|
56.9
|
2
|
250,000
|
6,333
|
715,279,985
|
4
|
439,417
|
25-29
|
83.6
|
20.9
|
80.3
|
16
|
1,730,000
|
23,950
|
2,696,762,475
|
19
|
2,154,461
|
30-34
|
66.8
|
11.6
|
67.7
|
33
|
3,835,000
|
42,157
|
4,827,732,881
|
49
|
5,662,743
|
35-39
|
46.0
|
7.1
|
45.3
|
42
|
4,820,000
|
52,010
|
6,034,778,393
|
92
|
10,638,349
|
40-44
|
49.8
|
5.8
|
50.4
|
74
|
8,855,000
|
49,933
|
5,881,095,377
|
149
|
17,569,321
|
45-49
|
34.1
|
4.0
|
35.4
|
72
|
8,785,000
|
39,483
|
4,634,950,435
|
212
|
24,850,711
|
50-54
|
52.3
|
4.7
|
51.8
|
124
|
14,435,700
|
24,851
|
2,916,744,729
|
238
|
27,886,605
|
55-59
|
51.9
|
5.0
|
53.3
|
109
|
13,068,905
|
12,738
|
1,485,223,701
|
210
|
24,501,904
|
60-64
|
59.3
|
7.0
|
58.0
|
72
|
8,112,667
|
4,833
|
557,727,776
|
121
|
13,990,222
|
65+
|
52.4
|
10.7
|
52.1
|
24
|
2,726,000
|
1,258
|
143,430,734
|
46
|
5,231,041
|
Total
|
49.9
|
2.1
|
50.1
|
569
|
66,618,272
|
257,545
|
29,893,726,486
|
1,140
|
132,924,775
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.32
MALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.3
|
8.5
|
15.4
|
5
|
1,537,500
|
7,827
|
2,913,981,360
|
26
|
10,008,273
|
2
|
38.7
|
11.6
|
30.6
|
11
|
3,301,667
|
7,382
|
2,754,899,481
|
29
|
10,779,088
|
3
|
70.0
|
15.2
|
79.7
|
21
|
9,093,349
|
6,934
|
2,572,671,407
|
30
|
11,403,313
|
4
|
61.0
|
14.0
|
69.4
|
19
|
8,050,000
|
6,297
|
2,297,387,292
|
31
|
11,591,345
|
5
|
47.9
|
12.4
|
43.2
|
15
|
5,025,000
|
5,681
|
2,068,749,444
|
31
|
11,641,312
|
6
|
54.1
|
14.0
|
63.1
|
15
|
6,530,000
|
4,580
|
1,668,573,586
|
28
|
10,351,286
|
7+
|
70.0
|
10.4
|
58.8
|
45
|
13,860,000
|
8,418
|
3,033,850,277
|
64
|
23,552,736
|
Total
|
54.8
|
4.8
|
53.1
|
131
|
47,397,516
|
47,119
|
17,310,112,846
|
240
|
89,327,353
|
By Issue Age
|
20-24
|
116.8
|
116.8
|
95.8
|
1
|
250,000
|
1,230
|
374,212,485
|
1
|
260,861
|
25-29
|
82.3
|
47.5
|
78.6
|
3
|
950,000
|
3,569
|
1,183,605,514
|
4
|
1,208,727
|
30-34
|
38.4
|
17.1
|
46.1
|
5
|
2,160,000
|
8,339
|
2,977,515,129
|
13
|
4,685,553
|
35-39
|
41.1
|
11.9
|
52.9
|
12
|
5,660,000
|
11,522
|
4,226,387,017
|
29
|
10,695,420
|
40-44
|
67.4
|
11.7
|
54.1
|
33
|
10,065,849
|
10,729
|
4,097,946,723
|
49
|
18,615,901
|
45-49
|
42.7
|
8.9
|
39.9
|
23
|
8,311,667
|
6,659
|
2,571,993,013
|
54
|
20,835,474
|
50-54
|
44.5
|
9.7
|
46.6
|
21
|
8,250,000
|
3,363
|
1,258,059,495
|
47
|
17,716,402
|
55-59
|
83.6
|
17.1
|
83.0
|
24
|
8,600,000
|
1,301
|
472,193,096
|
29
|
10,359,723
|
60-64
|
66.8
|
23.6
|
65.6
|
8
|
2,900,000
|
368
|
135,938,731
|
12
|
4,419,764
|
65+
|
60.6
|
60.6
|
47.2
|
1
|
250,000
|
38
|
12,261,644
|
2
|
529,528
|
Total
|
54.8
|
4.8
|
53.1
|
131
|
47,397,516
|
47,119
|
17,310,112,846
|
240
|
89,327,353
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
576
|
175,968,193
|
0
|
107,629
|
25-29
|
112.4
|
79.5
|
112.8
|
2
|
650,000
|
2,195
|
708,802,609
|
2
|
576,322
|
30-34
|
47.0
|
27.1
|
35.7
|
3
|
800,000
|
5,313
|
1,858,449,663
|
6
|
2,239,092
|
35-39
|
23.6
|
11.7
|
28.4
|
4
|
1,760,000
|
9,564
|
3,454,930,019
|
17
|
6,198,277
|
40-44
|
54.8
|
12.9
|
60.9
|
18
|
7,625,849
|
11,016
|
4,157,152,934
|
33
|
12,518,779
|
45-49
|
47.0
|
9.8
|
39.8
|
23
|
7,390,000
|
9,106
|
3,455,783,968
|
49
|
18,570,772
|
50-54
|
58.1
|
10.6
|
52.2
|
30
|
10,171,667
|
5,383
|
2,022,677,312
|
52
|
19,471,058
|
55-59
|
51.6
|
10.7
|
52.0
|
23
|
8,800,000
|
2,702
|
1,022,836,227
|
45
|
16,919,189
|
60-64
|
89.5
|
19.1
|
97.7
|
22
|
8,550,000
|
969
|
345,271,707
|
25
|
8,747,616
|
65+
|
54.9
|
22.4
|
41.5
|
6
|
1,650,000
|
296
|
108,240,215
|
11
|
3,978,619
|
Total
|
54.8
|
4.8
|
53.1
|
131
|
47,397,516
|
47,119
|
17,310,112,846
|
240
|
89,327,353
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.33
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- LESS THAN $50,000
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.0
|
4.5
|
20.8
|
22
|
500,100
|
25,747
|
598,679,671
|
106
|
2,403,401
|
2
|
50.3
|
6.8
|
50.3
|
55
|
1,252,577
|
23,678
|
551,872,601
|
109
|
2,490,363
|
3
|
56.0
|
7.0
|
56.2
|
64
|
1,491,784
|
22,523
|
529,140,804
|
115
|
2,654,170
|
4
|
53.0
|
6.7
|
51.5
|
63
|
1,425,049
|
21,295
|
504,826,404
|
119
|
2,767,760
|
5
|
47.8
|
6.4
|
48.7
|
56
|
1,341,470
|
19,104
|
455,959,727
|
117
|
2,755,156
|
6
|
66.5
|
8.1
|
70.8
|
68
|
1,723,536
|
15,226
|
365,445,408
|
102
|
2,433,787
|
7+
|
50.9
|
5.2
|
50.6
|
95
|
2,312,341
|
23,045
|
565,186,727
|
187
|
4,571,586
|
Total
|
49.5
|
2.4
|
50.0
|
424
|
10,046,857
|
150,618
|
3,571,111,341
|
856
|
20,076,223
|
By Issue Age
|
20-24
|
58.3
|
26.1
|
60.3
|
5
|
110,000
|
9,989
|
211,842,467
|
9
|
182,337
|
25-29
|
67.9
|
17.5
|
64.1
|
15
|
320,000
|
17,375
|
393,307,754
|
22
|
499,113
|
30-34
|
67.3
|
13.4
|
79.0
|
25
|
698,200
|
19,037
|
451,104,528
|
37
|
883,423
|
35-39
|
45.8
|
8.5
|
51.1
|
29
|
798,750
|
20,794
|
511,437,360
|
63
|
1,562,647
|
40-44
|
60.0
|
7.2
|
62.5
|
69
|
1,799,180
|
24,531
|
612,827,840
|
115
|
2,879,086
|
45-49
|
47.5
|
5.2
|
45.1
|
83
|
1,979,106
|
24,887
|
620,111,419
|
175
|
4,388,325
|
50-54
|
44.7
|
4.8
|
43.1
|
86
|
1,994,015
|
18,974
|
454,069,642
|
193
|
4,630,069
|
55-59
|
48.8
|
5.7
|
48.1
|
74
|
1,591,733
|
10,739
|
232,273,715
|
153
|
3,308,233
|
60+
|
41.5
|
6.8
|
43.4
|
37
|
755,873
|
4,291
|
84,136,615
|
89
|
1,742,989
|
Total
|
49.5
|
2.4
|
50.0
|
424
|
10,046,857
|
150,618
|
3,571,111,341
|
856
|
20,076,223
|
By Attained Age
|
20-24
|
102.0
|
58.9
|
120.8
|
3
|
75,000
|
4,247
|
89,313,537
|
3
|
62,087
|
25-29
|
70.7
|
22.4
|
60.5
|
10
|
190,000
|
14,025
|
311,111,407
|
14
|
314,089
|
30-34
|
37.0
|
11.7
|
40.7
|
10
|
255,000
|
17,704
|
409,724,508
|
27
|
626,830
|
35-39
|
55.5
|
11.1
|
65.4
|
25
|
707,200
|
19,393
|
463,589,835
|
45
|
1,081,155
|
40-44
|
64.4
|
9.1
|
64.5
|
50
|
1,241,688
|
21,657
|
536,496,368
|
78
|
1,925,718
|
45-49
|
48.1
|
6.0
|
50.3
|
64
|
1,656,497
|
24,433
|
604,733,628
|
133
|
3,295,044
|
50-54
|
52.0
|
5.4
|
51.2
|
92
|
2,229,510
|
22,180
|
545,024,811
|
177
|
4,353,431
|
55-59
|
46.7
|
5.1
|
44.6
|
85
|
1,900,136
|
15,938
|
373,608,752
|
182
|
4,257,592
|
60-64
|
40.5
|
5.7
|
37.5
|
51
|
1,031,796
|
7,985
|
175,097,880
|
126
|
2,754,240
|
65+
|
47.5
|
8.3
|
54.1
|
33
|
760,030
|
3,056
|
62,410,615
|
69
|
1,406,037
|
Total
|
49.5
|
2.4
|
50.0
|
424
|
10,046,857
|
150,618
|
3,571,111,341
|
856
|
20,076,223
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.34
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $50,000-$99,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.8
|
5.2
|
28.8
|
31
|
1,647,500
|
34,333
|
1,833,832,280
|
108
|
5,712,095
|
2
|
47.8
|
6.6
|
47.8
|
52
|
2,767,254
|
30,655
|
1,644,844,243
|
109
|
5,791,412
|
3
|
43.2
|
6.1
|
43.3
|
49
|
2,638,990
|
28,346
|
1,527,762,863
|
114
|
6,096,940
|
4
|
52.3
|
6.6
|
51.2
|
62
|
3,254,490
|
26,568
|
1,437,874,427
|
119
|
6,350,322
|
5
|
55.4
|
6.9
|
55.8
|
65
|
3,534,527
|
23,826
|
1,295,358,155
|
118
|
6,332,152
|
6
|
45.0
|
6.4
|
46.0
|
49
|
2,703,000
|
20,039
|
1,090,955,581
|
109
|
5,882,444
|
7+
|
62.2
|
5.0
|
62.7
|
154
|
8,344,261
|
37,168
|
2,022,500,950
|
248
|
13,308,173
|
Total
|
50.1
|
2.3
|
50.3
|
463
|
24,890,022
|
200,935
|
10,853,128,499
|
924
|
49,473,538
|
By Issue Age
|
20-24
|
53.7
|
24.0
|
54.4
|
5
|
275,000
|
10,795
|
587,371,094
|
9
|
505,622
|
25-29
|
54.1
|
12.8
|
54.6
|
18
|
991,527
|
25,986
|
1,416,703,883
|
33
|
1,815,960
|
30-34
|
64.9
|
10.0
|
66.7
|
42
|
2,363,000
|
32,663
|
1,782,801,875
|
65
|
3,540,410
|
35-39
|
66.0
|
7.5
|
65.6
|
77
|
4,200,824
|
37,551
|
2,052,789,273
|
117
|
6,407,487
|
40-44
|
60.3
|
5.7
|
59.5
|
111
|
5,899,868
|
38,611
|
2,077,965,544
|
184
|
9,912,232
|
45-49
|
46.7
|
4.6
|
47.8
|
101
|
5,532,803
|
30,284
|
1,616,640,595
|
217
|
11,564,015
|
50-54
|
36.5
|
4.6
|
35.1
|
64
|
3,245,000
|
17,168
|
904,163,764
|
176
|
9,240,824
|
55-59
|
39.8
|
6.7
|
41.0
|
35
|
1,907,000
|
6,172
|
324,498,615
|
88
|
4,650,872
|
60+
|
25.9
|
8.6
|
25.9
|
9
|
475,000
|
1,705
|
90,193,856
|
35
|
1,836,116
|
Total
|
50.1
|
2.3
|
50.3
|
463
|
24,890,022
|
200,935
|
10,853,128,499
|
924
|
49,473,538
|
By Attained Age
|
20-24
|
62.9
|
44.5
|
57.9
|
2
|
100,000
|
4,560
|
248,034,483
|
3
|
172,644
|
25-29
|
48.3
|
16.1
|
53.6
|
9
|
541,527
|
18,418
|
998,969,553
|
19
|
1,010,653
|
30-34
|
59.3
|
11.6
|
57.7
|
26
|
1,375,000
|
28,595
|
1,555,214,898
|
44
|
2,383,415
|
35-39
|
58.1
|
8.8
|
60.0
|
44
|
2,476,189
|
32,499
|
1,770,729,539
|
76
|
4,124,499
|
40-44
|
59.3
|
6.8
|
57.6
|
76
|
4,035,817
|
36,124
|
1,967,251,598
|
129
|
7,004,644
|
45-49
|
56.7
|
5.5
|
57.4
|
107
|
5,834,873
|
35,032
|
1,889,009,016
|
189
|
10,162,563
|
50-54
|
50.2
|
5.0
|
50.0
|
101
|
5,367,116
|
25,497
|
1,358,175,902
|
201
|
10,725,355
|
55-59
|
34.7
|
4.8
|
34.4
|
53
|
2,787,500
|
13,672
|
721,971,028
|
153
|
8,098,011
|
60-64
|
42.5
|
7.4
|
44.0
|
33
|
1,797,000
|
5,052
|
265,330,940
|
78
|
4,086,225
|
65+
|
34.0
|
10.3
|
33.7
|
11
|
575,000
|
1,486
|
78,441,543
|
32
|
1,705,529
|
Total
|
50.1
|
2.3
|
50.3
|
463
|
24,890,022
|
200,935
|
10,853,128,499
|
924
|
49,473,538
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.35
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $100,000-$249,999
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.1
|
5.0
|
23.8
|
27
|
2,787,500
|
39,090
|
4,391,832,814
|
104
|
11,710,882
|
2
|
55.4
|
7.0
|
54.8
|
62
|
6,935,000
|
38,194
|
4,298,897,994
|
112
|
12,661,694
|
3
|
71.4
|
7.7
|
73.4
|
85
|
9,868,000
|
36,573
|
4,116,122,798
|
119
|
13,437,126
|
4
|
65.8
|
7.3
|
65.9
|
81
|
9,145,000
|
34,327
|
3,866,796,047
|
123
|
13,870,295
|
5
|
68.1
|
7.5
|
72.3
|
83
|
9,930,000
|
30,745
|
3,469,849,904
|
122
|
13,740,401
|
6
|
76.0
|
8.4
|
72.8
|
82
|
8,870,750
|
24,694
|
2,789,808,388
|
108
|
12,182,021
|
7+
|
67.6
|
5.4
|
67.4
|
155
|
17,411,507
|
42,544
|
4,805,192,770
|
229
|
25,836,384
|
Total
|
62.7
|
2.6
|
62.8
|
576
|
64,947,757
|
246,165
|
27,738,500,715
|
918
|
103,438,802
|
By Issue Age
|
20-24
|
76.7
|
23.1
|
70.2
|
11
|
1,117,500
|
16,633
|
1,847,924,331
|
14
|
1,592,282
|
25-29
|
59.7
|
10.6
|
58.4
|
32
|
3,500,000
|
41,072
|
4,585,068,807
|
54
|
5,988,056
|
30-34
|
63.0
|
7.8
|
63.8
|
66
|
7,570,000
|
52,081
|
5,880,946,219
|
105
|
11,861,544
|
35-39
|
60.2
|
6.2
|
64.1
|
95
|
11,472,052
|
51,025
|
5,783,815,139
|
158
|
17,887,287
|
40-44
|
70.9
|
6.0
|
72.3
|
139
|
16,135,750
|
41,412
|
4,714,589,601
|
196
|
22,321,986
|
45-49
|
64.4
|
5.9
|
63.5
|
120
|
13,330,000
|
26,356
|
2,966,889,362
|
187
|
21,005,478
|
50-54
|
56.4
|
6.6
|
52.5
|
72
|
7,565,000
|
12,550
|
1,407,051,669
|
128
|
14,398,980
|
55-59
|
49.6
|
9.1
|
47.7
|
30
|
3,182,455
|
4,232
|
466,789,671
|
60
|
6,677,917
|
60-64
|
59.5
|
21.0
|
60.9
|
8
|
875,000
|
696
|
74,372,228
|
13
|
1,436,377
|
65+
|
76.0
|
53.8
|
74.4
|
2
|
200,000
|
108
|
11,053,688
|
3
|
268,896
|
Total
|
62.7
|
2.6
|
62.8
|
576
|
64,947,757
|
246,165
|
27,738,500,715
|
918
|
103,438,802
|
By Attained Age
|
20-24
|
81.1
|
40.6
|
71.3
|
4
|
392,500
|
7,075
|
790,441,846
|
5
|
550,729
|
25-29
|
71.9
|
16.1
|
67.1
|
20
|
2,075,000
|
27,413
|
3,045,383,343
|
28
|
3,090,940
|
30-34
|
46.9
|
8.3
|
45.2
|
32
|
3,450,000
|
44,357
|
4,967,080,708
|
68
|
7,639,148
|
35-39
|
63.0
|
7.3
|
65.5
|
74
|
8,728,000
|
50,590
|
5,731,205,551
|
118
|
13,331,730
|
40-44
|
61.9
|
6.2
|
66.5
|
101
|
12,324,052
|
46,054
|
5,236,220,330
|
163
|
18,539,048
|
45-49
|
72.2
|
6.2
|
72.4
|
136
|
15,485,750
|
35,119
|
3,985,976,764
|
188
|
21,384,400
|
50-54
|
63.6
|
6.1
|
60.5
|
108
|
11,540,000
|
21,486
|
2,420,901,775
|
169
|
19,072,982
|
55-59
|
51.3
|
6.7
|
49.4
|
58
|
6,210,000
|
10,062
|
1,119,120,115
|
113
|
12,564,609
|
60-64
|
69.8
|
11.8
|
68.2
|
35
|
3,792,455
|
3,258
|
360,996,154
|
50
|
5,560,570
|
65+
|
50.7
|
17.9
|
55.7
|
8
|
950,000
|
750
|
81,174,128
|
16
|
1,704,645
|
Total
|
62.7
|
2.6
|
62.8
|
576
|
64,947,757
|
246,165
|
27,738,500,715
|
918
|
103,438,802
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 3.36
FEMALE EXPERIENCE BY FACE AMOUNT -- NON-SMOKERS & UNKNOWN -- $250,000 AND OVER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
60.0
|
22.7
|
44.3
|
7
|
1,750,000
|
3,903
|
1,297,467,580
|
12
|
3,953,256
|
2
|
34.1
|
17.0
|
44.5
|
4
|
1,760,000
|
3,572
|
1,179,362,396
|
12
|
3,957,803
|
3
|
49.7
|
20.3
|
76.3
|
6
|
3,050,000
|
3,283
|
1,077,717,764
|
12
|
3,997,469
|
4
|
50.6
|
20.7
|
58.1
|
6
|
2,250,000
|
2,926
|
949,425,322
|
12
|
3,873,208
|
5
|
70.9
|
25.1
|
58.2
|
8
|
2,125,000
|
2,552
|
819,170,604
|
11
|
3,648,640
|
6
|
95.2
|
31.7
|
122.8
|
9
|
3,730,000
|
1,995
|
635,313,306
|
9
|
3,036,478
|
7+
|
61.1
|
17.6
|
54.6
|
12
|
3,400,000
|
3,462
|
1,098,599,063
|
20
|
6,224,883
|
Total
|
59.3
|
8.2
|
63.0
|
52
|
18,065,000
|
21,693
|
7,057,056,035
|
88
|
28,691,737
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
798
|
230,469,528
|
1
|
189,228
|
25-29
|
62.7
|
44.3
|
99.6
|
2
|
1,000,000
|
2,443
|
767,859,800
|
3
|
1,004,247
|
30-34
|
45.3
|
22.7
|
42.6
|
4
|
1,200,000
|
4,383
|
1,404,345,593
|
9
|
2,816,314
|
35-39
|
49.8
|
17.6
|
54.8
|
8
|
2,925,000
|
5,279
|
1,753,837,039
|
16
|
5,336,186
|
40-44
|
62.7
|
17.4
|
52.2
|
13
|
3,590,000
|
4,407
|
1,470,273,764
|
21
|
6,878,069
|
45-49
|
48.6
|
16.2
|
60.2
|
9
|
3,550,000
|
2,646
|
850,535,472
|
19
|
5,895,793
|
50-54
|
75.0
|
25.0
|
78.1
|
9
|
3,150,000
|
1,215
|
408,519,178
|
12
|
4,033,861
|
55-59
|
106.4
|
40.2
|
125.4
|
7
|
2,650,000
|
460
|
148,777,091
|
7
|
2,112,444
|
60+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
63
|
22,438,571
|
1
|
425,596
|
Total
|
59.3
|
8.2
|
63.0
|
52
|
18,065,000
|
21,693
|
7,057,056,035
|
88
|
28,691,737
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
416
|
120,577,620
|
0
|
83,078
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,513
|
461,928,881
|
2
|
473,241
|
30-34
|
40.5
|
28.6
|
62.8
|
2
|
1,000,000
|
3,179
|
1,023,828,106
|
5
|
1,592,272
|
35-39
|
53.8
|
21.9
|
43.2
|
6
|
1,575,000
|
4,744
|
1,547,194,196
|
11
|
3,645,787
|
40-44
|
47.3
|
16.7
|
51.0
|
8
|
2,910,000
|
4,784
|
1,606,359,783
|
17
|
5,701,314
|
45-49
|
67.2
|
18.6
|
73.8
|
13
|
4,680,000
|
3,587
|
1,175,516,882
|
19
|
6,342,258
|
50-54
|
46.1
|
16.3
|
42.2
|
8
|
2,350,000
|
2,200
|
706,852,105
|
17
|
5,563,089
|
55-59
|
99.8
|
31.6
|
126.4
|
10
|
4,150,000
|
889
|
291,149,164
|
10
|
3,283,403
|
60-64
|
99.0
|
44.3
|
84.2
|
5
|
1,400,000
|
327
|
107,376,179
|
5
|
1,663,532
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
54
|
16,273,119
|
1
|
343,762
|
Total
|
59.3
|
8.2
|
63.0
|
52
|
18,065,000
|
21,693
|
7,057,056,035
|
88
|
28,691,737
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.1
TOTAL EXPERIENCE BY ILLNESS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
67.9
|
1.4
|
71.3
|
2,448
|
205,093,704
|
1,328,090
|
116,437,096,097
|
3,606
|
287,486,326
|
Cardio
|
37.4
|
1.4
|
35.4
|
680
|
56,155,979
|
1,328,090
|
116,437,096,097
|
1,821
|
158,794,339
|
Organ
|
9.4
|
2.1
|
7.7
|
20
|
1,462,477
|
1,306,179
|
114,875,368,363
|
213
|
18,894,094
|
Neuro
|
31.8
|
2.5
|
46.3
|
160
|
18,872,755
|
1,306,092
|
114,868,981,560
|
503
|
40,790,876
|
Accident/Infectious
|
44.3
|
7.7
|
51.3
|
33
|
3,325,000
|
1,309,050
|
115,065,803,776
|
74
|
6,478,694
|
LOIE
|
5.9
|
5.9
|
13.7
|
1
|
200,000
|
297,601
|
26,016,925,558
|
17
|
1,457,212
|
Non-LT
|
21.6
|
7.5
|
23.7
|
8
|
820,750
|
732,251
|
12,673,352,851
|
38
|
3,470,209
|
Total
|
53.4
|
0.9
|
55.3
|
3,350
|
285,930,665
|
7,607,353
|
616,374,624,303
|
6,273
|
517,371,751
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.2
TOTAL EXPERIENCE BY ILLNESS -- MALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.8
|
2.1
|
69.8
|
1,000
|
96,308,119
|
647,143
|
63,876,517,654
|
1,497
|
138,064,821
|
Cardio
|
40.0
|
1.7
|
37.4
|
535
|
47,248,091
|
647,143
|
63,876,517,654
|
1,338
|
126,204,209
|
Organ
|
12.9
|
3.1
|
10.0
|
17
|
1,282,477
|
635,452
|
62,966,151,758
|
131
|
12,852,833
|
Neuro
|
36.8
|
4.2
|
58.1
|
78
|
11,596,664
|
635,416
|
62,963,284,681
|
212
|
19,958,220
|
Accident/Infectious
|
41.0
|
9.9
|
47.4
|
17
|
1,915,000
|
637,021
|
63,073,867,085
|
41
|
4,036,385
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
142,446
|
14,520,190,263
|
8
|
867,620
|
Non-LT
|
24.1
|
10.1
|
25.7
|
6
|
595,850
|
361,246
|
6,925,200,346
|
23
|
2,320,751
|
Total
|
50.8
|
1.3
|
52.2
|
1,653
|
158,946,201
|
3,705,869
|
338,201,729,439
|
3,251
|
304,304,839
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.3
TOTAL EXPERIENCE BY ILLNESS -- FEMALES
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
68.6
|
1.8
|
72.8
|
1,448
|
108,785,585
|
680,946
|
52,560,578,444
|
2,109
|
149,421,505
|
Cardio
|
30.1
|
2.5
|
27.3
|
145
|
8,907,888
|
680,946
|
52,560,578,444
|
482
|
32,590,130
|
Organ
|
3.7
|
2.1
|
3.0
|
3
|
180,000
|
670,727
|
51,909,216,605
|
82
|
6,041,261
|
Neuro
|
28.2
|
3.1
|
34.9
|
82
|
7,276,091
|
670,676
|
51,905,696,879
|
291
|
20,832,657
|
Accident/Infectious
|
48.4
|
12.1
|
57.7
|
16
|
1,410,000
|
672,029
|
51,991,936,690
|
33
|
2,442,310
|
LOIE
|
11.8
|
11.8
|
33.9
|
1
|
200,000
|
155,154
|
11,496,735,296
|
8
|
589,592
|
Non-LT
|
17.7
|
10.9
|
19.6
|
3
|
224,900
|
371,004
|
5,748,152,505
|
15
|
1,149,457
|
Total
|
56.2
|
1.4
|
59.6
|
1,698
|
126,984,464
|
3,901,483
|
278,172,894,864
|
3,021
|
213,066,912
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.4
TOTAL EXPERIENCE BY ILLNESS -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
84.9
|
5.4
|
88.9
|
247
|
14,220,808
|
138,288
|
8,714,770,107
|
291
|
15,995,598
|
Cardio
|
86.8
|
7.7
|
83.7
|
128
|
7,395,213
|
138,288
|
8,714,770,107
|
147
|
8,831,300
|
Organ
|
5.0
|
5.0
|
2.0
|
1
|
25,000
|
135,587
|
8,574,266,403
|
20
|
1,237,846
|
Neuro
|
51.6
|
11.0
|
70.5
|
22
|
1,726,000
|
135,582
|
8,574,066,403
|
43
|
2,449,770
|
Accident/Infectious
|
39.7
|
22.9
|
62.4
|
3
|
300,000
|
135,970
|
8,597,553,525
|
8
|
480,559
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
29,174
|
1,836,947,186
|
2
|
91,000
|
Non-LT
|
22.6
|
29.2
|
16.7
|
1
|
29,000
|
65,366
|
746,934,722
|
3
|
173,813
|
Total
|
78.3
|
3.9
|
81.0
|
402
|
23,696,021
|
778,256
|
45,759,308,453
|
513
|
29,259,886
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.5
TOTAL EXPERIENCE BY ILLNESS -- MALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
74.9
|
7.7
|
84.6
|
94
|
6,755,108
|
76,471
|
5,371,627,354
|
125
|
7,986,325
|
Cardio
|
93.5
|
9.1
|
88.3
|
105
|
6,363,085
|
76,471
|
5,371,627,354
|
112
|
7,206,843
|
Organ
|
7.6
|
7.6
|
2.8
|
1
|
25,000
|
74,935
|
5,288,778,878
|
13
|
893,649
|
Neuro
|
78.2
|
20.2
|
94.9
|
15
|
1,206,000
|
74,935
|
5,288,778,878
|
19
|
1,270,823
|
Accident/Infectious
|
63.1
|
36.4
|
89.8
|
3
|
300,000
|
75,188
|
5,304,018,568
|
5
|
334,161
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16,328
|
1,173,684,933
|
1
|
59,750
|
Non-LT
|
23.4
|
36.9
|
18.1
|
0
|
22,000
|
37,240
|
458,993,603
|
2
|
121,723
|
Total
|
78.7
|
5.3
|
82.1
|
218
|
14,671,193
|
431,568
|
28,257,509,570
|
277
|
17,873,274
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.6
TOTAL EXPERIENCE BY ILLNESS -- FEMALE SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
92.4
|
7.5
|
93.2
|
153
|
7,465,700
|
61,817
|
3,343,142,753
|
166
|
8,009,274
|
Cardio
|
65.5
|
13.6
|
63.5
|
23
|
1,032,128
|
61,817
|
3,343,142,753
|
35
|
1,624,456
|
Organ
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60,652
|
3,285,487,524
|
7
|
344,196
|
Neuro
|
29.9
|
11.3
|
44.1
|
7
|
520,000
|
60,647
|
3,285,287,524
|
23
|
1,178,947
|
Accident/Infectious
|
0.0
|
0.0
|
0.0
|
0
|
0
|
60,782
|
3,293,534,958
|
3
|
146,398
|
LOIE & Non-LT
|
12.5
|
27.9
|
8.4
|
0
|
7,000
|
40,972
|
951,203,371
|
2
|
83,341
|
Total
|
77.9
|
5.8
|
79.3
|
183
|
9,024,828
|
346,688
|
17,501,798,884
|
235
|
11,386,612
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.7
TOTAL EXPERIENCE BY ILLNESS -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.4
|
1.4
|
70.3
|
2,201
|
190,872,896
|
1,189,802
|
107,722,325,990
|
3,315
|
271,490,728
|
Cardio
|
33.0
|
1.4
|
32.5
|
552
|
48,760,766
|
1,189,802
|
107,722,325,990
|
1,673
|
149,963,040
|
Organ
|
9.8
|
2.3
|
8.1
|
19
|
1,437,477
|
1,170,592
|
106,301,101,960
|
194
|
17,656,248
|
Neuro
|
30.0
|
2.6
|
44.7
|
138
|
17,146,755
|
1,170,510
|
106,294,915,158
|
460
|
38,341,106
|
Accident/Infectious
|
44.8
|
8.2
|
50.4
|
30
|
3,025,000
|
1,173,080
|
106,468,250,250
|
67
|
5,998,135
|
LOIE
|
6.5
|
6.5
|
14.6
|
1
|
200,000
|
268,427
|
24,179,978,372
|
15
|
1,366,212
|
Non-LT
|
21.5
|
7.8
|
24.0
|
8
|
791,750
|
666,885
|
11,926,418,129
|
36
|
3,296,395
|
Total
|
51.2
|
0.9
|
53.7
|
2,949
|
262,234,644
|
6,829,097
|
570,615,315,850
|
5,760
|
488,111,864
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.8
TOTAL EXPERIENCE BY ILLNESS -- MALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.1
|
2.2
|
68.8
|
906
|
89,553,011
|
570,673
|
58,504,890,299
|
1,371
|
130,078,496
|
Cardio
|
35.1
|
1.7
|
34.4
|
430
|
40,885,006
|
570,673
|
58,504,890,299
|
1,226
|
118,997,366
|
Organ
|
13.5
|
3.4
|
10.5
|
16
|
1,257,477
|
560,517
|
57,677,372,879
|
118
|
11,959,184
|
Neuro
|
32.7
|
4.1
|
55.6
|
63
|
10,390,664
|
560,481
|
57,674,505,803
|
193
|
18,687,397
|
Accident/Infectious
|
38.2
|
10.2
|
43.6
|
14
|
1,615,000
|
561,834
|
57,769,848,517
|
37
|
3,702,224
|
LOIE
|
0.0
|
0.0
|
0.0
|
0
|
0
|
126,118
|
13,346,505,329
|
8
|
807,870
|
Non-LT
|
24.2
|
10.5
|
26.1
|
5
|
573,850
|
324,006
|
6,466,206,743
|
22
|
2,199,029
|
Total
|
48.2
|
1.3
|
50.4
|
1,434
|
144,275,008
|
3,274,301
|
309,944,219,870
|
2,974
|
286,431,565
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 4.9
TOTAL EXPERIENCE BY ILLNESS -- FEMALE NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Claim Impairment
|
Cancer
|
66.6
|
1.9
|
71.6
|
1,295
|
101,319,885
|
619,129
|
49,217,435,691
|
1,944
|
141,412,232
|
Cardio
|
27.3
|
2.5
|
25.4
|
122
|
7,875,760
|
619,129
|
49,217,435,691
|
447
|
30,965,674
|
Organ
|
4.0
|
2.3
|
3.2
|
3
|
180,000
|
610,075
|
48,623,729,081
|
75
|
5,697,065
|
Neuro
|
28.0
|
3.2
|
34.4
|
75
|
6,756,091
|
610,029
|
48,620,409,355
|
268
|
19,653,709
|
Accident/Infectious
|
52.9
|
13.2
|
61.4
|
16
|
1,410,000
|
611,246
|
48,698,401,733
|
30
|
2,295,912
|
LOIE
|
12.8
|
12.8
|
35.8
|
1
|
200,000
|
142,309
|
10,833,473,043
|
8
|
558,342
|
Non-LT
|
17.4
|
11.2
|
19.9
|
2
|
217,900
|
342,878
|
5,460,211,387
|
14
|
1,097,367
|
Total
|
54.4
|
1.4
|
58.5
|
1,514
|
117,959,636
|
3,554,795
|
260,671,095,980
|
2,786
|
201,680,299
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.1
HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
39.1
|
6.3
|
42.8
|
39
|
3,750,000
|
219,720
|
19,103,423,129
|
100
|
8,763,460
|
2
|
31.2
|
5.3
|
29.9
|
34
|
2,881,250
|
205,805
|
18,112,920,541
|
109
|
9,651,501
|
3
|
44.2
|
6.1
|
43.2
|
53
|
4,569,349
|
194,695
|
17,116,924,994
|
120
|
10,565,959
|
4
|
40.5
|
5.6
|
32.6
|
52
|
3,654,303
|
182,534
|
15,889,970,680
|
128
|
11,206,668
|
5
|
40.8
|
5.6
|
36.9
|
53
|
4,202,247
|
163,023
|
14,230,023,421
|
130
|
11,381,528
|
6
|
50.7
|
6.5
|
46.7
|
60
|
4,843,771
|
132,040
|
11,507,869,774
|
118
|
10,374,050
|
7+
|
41.5
|
3.9
|
36.8
|
113
|
8,992,019
|
230,272
|
20,475,963,558
|
272
|
24,451,310
|
Total
|
41.3
|
2.1
|
38.1
|
404
|
32,892,939
|
1,328,090
|
116,437,096,097
|
978
|
86,394,476
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.2
MALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
46.0
|
7.8
|
44.6
|
35
|
3,215,000
|
105,848
|
10,386,970,374
|
76
|
7,202,302
|
2
|
38.5
|
6.8
|
35.8
|
32
|
2,836,250
|
99,797
|
9,894,429,364
|
83
|
7,925,044
|
3
|
49.3
|
7.3
|
48.7
|
45
|
4,215,349
|
94,730
|
9,364,680,370
|
91
|
8,648,829
|
4
|
46.2
|
6.9
|
35.8
|
45
|
3,278,000
|
88,875
|
8,674,629,838
|
97
|
9,147,568
|
5
|
42.8
|
6.6
|
37.5
|
42
|
3,470,720
|
79,274
|
7,790,121,850
|
98
|
9,260,104
|
6
|
53.9
|
7.8
|
47.0
|
48
|
3,949,643
|
64,188
|
6,312,584,558
|
89
|
8,406,822
|
7+
|
47.3
|
4.8
|
39.6
|
97
|
7,845,519
|
114,431
|
11,453,101,299
|
205
|
19,808,999
|
Total
|
46.5
|
2.5
|
40.9
|
344
|
28,810,481
|
647,143
|
63,876,517,654
|
740
|
70,399,669
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.3
FEMALE HEART ATTACK EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.9
|
8.5
|
34.3
|
4
|
535,000
|
113,872
|
8,716,452,755
|
24
|
1,561,158
|
2
|
7.7
|
5.5
|
2.6
|
2
|
45,000
|
106,008
|
8,218,491,177
|
26
|
1,726,457
|
3
|
27.9
|
9.9
|
18.5
|
8
|
354,000
|
99,965
|
7,752,244,624
|
29
|
1,917,129
|
4
|
22.7
|
8.6
|
18.3
|
7
|
376,303
|
93,659
|
7,215,340,842
|
31
|
2,059,100
|
5
|
34.7
|
10.5
|
34.5
|
11
|
731,527
|
83,749
|
6,439,901,571
|
32
|
2,121,424
|
6
|
40.8
|
11.8
|
45.5
|
12
|
894,128
|
67,852
|
5,195,285,216
|
29
|
1,967,228
|
7+
|
23.9
|
6.0
|
24.7
|
16
|
1,146,500
|
115,840
|
9,022,862,259
|
67
|
4,642,311
|
Total
|
25.3
|
3.3
|
25.5
|
60
|
4,082,458
|
680,946
|
52,560,578,444
|
237
|
15,994,808
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.4
HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
116.0
|
35.0
|
143.6
|
11
|
800,000
|
25,376
|
1,613,360,894
|
9
|
556,991
|
2
|
79.1
|
28.0
|
63.6
|
8
|
375,000
|
22,838
|
1,444,604,262
|
10
|
589,308
|
3
|
142.0
|
36.7
|
117.3
|
15
|
719,500
|
20,797
|
1,295,260,027
|
11
|
613,468
|
4
|
83.5
|
27.8
|
73.0
|
9
|
460,000
|
18,797
|
1,154,600,118
|
11
|
630,134
|
5
|
93.6
|
29.6
|
82.6
|
10
|
530,000
|
16,441
|
1,020,579,152
|
11
|
641,457
|
6
|
149.1
|
39.9
|
109.6
|
14
|
625,628
|
12,837
|
799,046,615
|
9
|
570,895
|
7+
|
133.5
|
25.2
|
115.4
|
28
|
1,577,085
|
21,203
|
1,387,319,038
|
21
|
1,366,993
|
Total
|
115.9
|
11.9
|
102.4
|
95
|
5,087,213
|
138,288
|
8,714,770,107
|
82
|
4,969,247
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.5
MALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
145.0
|
43.7
|
168.9
|
11
|
800,000
|
14,500
|
1,018,031,167
|
8
|
473,702
|
2
|
99.1
|
35.0
|
75.2
|
8
|
375,000
|
12,843
|
900,481,235
|
8
|
498,779
|
3
|
179.7
|
46.4
|
139.8
|
15
|
719,500
|
11,482
|
793,250,426
|
8
|
514,677
|
4
|
106.5
|
35.5
|
87.6
|
9
|
460,000
|
10,229
|
697,948,814
|
8
|
525,328
|
5
|
71.7
|
29.3
|
58.7
|
6
|
315,000
|
8,912
|
620,918,471
|
8
|
537,016
|
6
|
123.0
|
41.0
|
77.9
|
9
|
371,500
|
6,930
|
485,160,951
|
7
|
476,803
|
7+
|
164.5
|
31.7
|
135.5
|
27
|
1,552,085
|
11,575
|
855,836,290
|
16
|
1,145,609
|
Total
|
131.7
|
14.3
|
110.1
|
85
|
4,593,085
|
76,471
|
5,371,627,354
|
65
|
4,171,915
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.6
FEMALE HEART ATTACK EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10,876
|
595,329,726
|
2
|
83,289
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,996
|
544,123,027
|
2
|
90,528
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,316
|
502,009,602
|
2
|
98,790
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,567
|
456,651,304
|
2
|
104,806
|
5
|
172.4
|
86.2
|
205.9
|
4
|
215,000
|
7,529
|
399,660,681
|
2
|
104,441
|
6
|
241.6
|
108.0
|
270.1
|
5
|
254,128
|
5,907
|
313,885,664
|
2
|
94,092
|
7+
|
21.9
|
21.9
|
11.3
|
1
|
25,000
|
9,628
|
531,482,749
|
5
|
221,384
|
Total
|
57.3
|
18.1
|
62.0
|
10
|
494,128
|
61,817
|
3,343,142,753
|
17
|
797,332
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.7
HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.0
|
5.9
|
35.9
|
28
|
2,950,000
|
194,344
|
17,490,062,236
|
90
|
8,206,469
|
2
|
26.3
|
5.2
|
27.7
|
26
|
2,506,250
|
182,966
|
16,668,316,279
|
99
|
9,062,193
|
3
|
34.7
|
5.6
|
38.7
|
38
|
3,849,849
|
173,898
|
15,821,664,967
|
109
|
9,952,491
|
4
|
36.6
|
5.6
|
30.2
|
43
|
3,194,303
|
163,738
|
14,735,370,561
|
118
|
10,576,534
|
5
|
36.1
|
5.5
|
34.2
|
43
|
3,672,247
|
146,582
|
13,209,444,268
|
119
|
10,740,070
|
6
|
42.2
|
6.2
|
43.0
|
46
|
4,218,143
|
119,204
|
10,708,823,159
|
109
|
9,803,155
|
7+
|
33.8
|
3.7
|
32.1
|
85
|
7,414,934
|
209,069
|
19,088,644,520
|
251
|
23,084,317
|
Total
|
34.5
|
2.0
|
34.1
|
309
|
27,805,726
|
1,189,802
|
107,722,325,990
|
896
|
81,425,230
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.8
MALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
35.0
|
7.2
|
35.9
|
24
|
2,415,000
|
91,348
|
9,368,939,207
|
69
|
6,728,600
|
2
|
31.9
|
6.5
|
33.1
|
24
|
2,461,250
|
86,954
|
8,993,948,129
|
75
|
7,426,265
|
3
|
36.2
|
6.6
|
43.0
|
30
|
3,495,849
|
83,248
|
8,571,429,945
|
83
|
8,134,152
|
4
|
40.4
|
6.7
|
32.7
|
36
|
2,818,000
|
78,646
|
7,976,681,023
|
89
|
8,622,240
|
5
|
40.1
|
6.7
|
36.2
|
36
|
3,155,720
|
70,363
|
7,169,203,379
|
90
|
8,723,088
|
6
|
47.7
|
7.6
|
45.1
|
39
|
3,578,143
|
57,259
|
5,827,423,607
|
82
|
7,930,019
|
7+
|
37.1
|
4.4
|
33.7
|
70
|
6,293,434
|
102,856
|
10,597,265,009
|
189
|
18,663,390
|
Total
|
38.3
|
2.4
|
36.6
|
259
|
24,217,396
|
570,673
|
58,504,890,299
|
676
|
66,227,754
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 5.9
FEMALE HEART ATTACK EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
18.4
|
9.2
|
36.2
|
4
|
535,000
|
102,997
|
8,121,123,029
|
22
|
1,477,869
|
2
|
8.4
|
5.9
|
2.8
|
2
|
45,000
|
96,012
|
7,674,368,150
|
24
|
1,635,929
|
3
|
30.2
|
10.7
|
19.5
|
8
|
354,000
|
90,650
|
7,250,235,023
|
26
|
1,818,339
|
4
|
24.6
|
9.3
|
19.3
|
7
|
376,303
|
85,092
|
6,758,689,538
|
29
|
1,954,294
|
5
|
23.8
|
9.0
|
25.6
|
7
|
516,527
|
76,220
|
6,040,240,889
|
29
|
2,016,982
|
6
|
25.6
|
9.7
|
34.2
|
7
|
640,000
|
61,945
|
4,881,399,552
|
27
|
1,873,136
|
7+
|
24.0
|
6.2
|
25.4
|
15
|
1,121,500
|
106,213
|
8,491,379,510
|
62
|
4,420,927
|
Total
|
22.8
|
3.2
|
23.6
|
50
|
3,588,330
|
619,129
|
49,217,435,691
|
220
|
15,197,476
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.1
LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.1
|
2.9
|
32.6
|
118
|
9,675,000
|
219,720
|
19,103,423,129
|
379
|
29,706,598
|
2
|
65.6
|
4.0
|
67.6
|
265
|
21,568,391
|
205,805
|
18,112,920,541
|
404
|
31,923,663
|
3
|
70.4
|
4.0
|
77.9
|
307
|
26,819,314
|
194,695
|
17,116,924,994
|
436
|
34,412,253
|
4
|
70.4
|
3.9
|
72.8
|
324
|
26,311,034
|
182,534
|
15,889,970,680
|
460
|
36,145,815
|
5
|
73.1
|
4.0
|
78.0
|
338
|
28,481,448
|
163,023
|
14,230,023,421
|
463
|
36,497,415
|
6
|
73.8
|
4.2
|
78.4
|
310
|
26,005,530
|
132,040
|
11,507,869,774
|
420
|
33,183,010
|
7+
|
75.8
|
2.8
|
77.1
|
717
|
59,865,541
|
230,272
|
20,475,963,558
|
946
|
77,621,326
|
Total
|
67.8
|
1.4
|
71.1
|
2,379
|
198,726,258
|
1,328,090
|
116,437,096,097
|
3,508
|
279,490,079
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.2
MALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.8
|
4.5
|
30.2
|
39
|
3,930,000
|
105,848
|
10,386,970,374
|
140
|
13,007,961
|
2
|
67.6
|
6.6
|
67.9
|
104
|
9,706,749
|
99,797
|
9,894,429,364
|
154
|
14,301,501
|
3
|
65.4
|
6.2
|
76.9
|
112
|
12,114,640
|
94,730
|
9,364,680,370
|
171
|
15,747,739
|
4
|
74.1
|
6.3
|
76.7
|
138
|
12,954,043
|
88,875
|
8,674,629,838
|
186
|
16,887,054
|
5
|
73.6
|
6.2
|
75.0
|
141
|
13,086,264
|
79,274
|
7,790,121,850
|
192
|
17,441,590
|
6
|
64.7
|
6.0
|
68.8
|
115
|
11,124,485
|
64,188
|
6,312,584,558
|
178
|
16,174,702
|
7+
|
73.8
|
4.1
|
76.3
|
323
|
31,172,165
|
114,431
|
11,453,101,299
|
438
|
40,854,418
|
Total
|
66.6
|
2.1
|
70.0
|
972
|
94,088,346
|
647,143
|
63,876,517,654
|
1,459
|
134,414,965
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.3
FEMALE LIFE THREATENING CANCER EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
33.1
|
3.7
|
34.4
|
79
|
5,745,000
|
113,872
|
8,716,452,755
|
239
|
16,698,637
|
2
|
64.4
|
5.1
|
67.3
|
161
|
11,861,642
|
106,008
|
8,218,491,177
|
250
|
17,622,161
|
3
|
73.7
|
5.3
|
78.8
|
195
|
14,704,674
|
99,965
|
7,752,244,624
|
265
|
18,664,514
|
4
|
67.9
|
5.0
|
69.4
|
186
|
13,356,991
|
93,659
|
7,215,340,842
|
274
|
19,258,761
|
5
|
72.7
|
5.2
|
80.8
|
197
|
15,395,184
|
83,749
|
6,439,901,571
|
271
|
19,055,825
|
6
|
80.5
|
5.8
|
87.5
|
195
|
14,881,045
|
67,852
|
5,195,285,216
|
242
|
17,008,308
|
7+
|
77.5
|
3.9
|
78.0
|
394
|
28,693,376
|
115,840
|
9,022,862,259
|
508
|
36,766,908
|
Total
|
68.7
|
1.8
|
72.1
|
1,407
|
104,637,912
|
680,946
|
52,560,578,444
|
2,049
|
145,075,114
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.4
LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
55.0
|
12.6
|
66.1
|
19
|
1,235,000
|
25,376
|
1,613,360,894
|
35
|
1,867,904
|
2
|
61.6
|
13.1
|
72.6
|
22
|
1,390,000
|
22,838
|
1,444,604,262
|
36
|
1,914,161
|
3
|
102.8
|
16.7
|
116.1
|
38
|
2,277,508
|
20,797
|
1,295,260,027
|
37
|
1,961,621
|
4
|
69.5
|
13.6
|
61.0
|
26
|
1,210,755
|
18,797
|
1,154,600,118
|
37
|
1,985,993
|
5
|
104.1
|
16.9
|
141.3
|
38
|
2,774,605
|
16,441
|
1,020,579,152
|
37
|
1,963,459
|
6
|
85.0
|
16.4
|
70.1
|
27
|
1,210,000
|
12,837
|
799,046,615
|
32
|
1,726,935
|
7+
|
95.5
|
11.8
|
86.3
|
66
|
3,495,070
|
21,203
|
1,387,319,038
|
69
|
4,050,871
|
Total
|
83.7
|
5.4
|
87.9
|
236
|
13,592,938
|
138,288
|
8,714,770,107
|
282
|
15,470,943
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.5
MALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
62.7
|
20.9
|
77.0
|
9
|
700,000
|
14,500
|
1,018,031,167
|
14
|
909,093
|
2
|
80.3
|
23.2
|
97.0
|
12
|
900,000
|
12,843
|
900,481,235
|
15
|
927,456
|
3
|
97.8
|
25.3
|
95.9
|
15
|
898,508
|
11,482
|
793,250,426
|
15
|
936,665
|
4
|
64.6
|
20.4
|
70.4
|
10
|
665,000
|
10,229
|
697,948,814
|
15
|
944,577
|
5
|
97.5
|
25.2
|
143.5
|
15
|
1,379,600
|
8,912
|
620,918,471
|
15
|
961,230
|
6
|
36.8
|
16.5
|
20.4
|
5
|
175,000
|
6,930
|
485,160,951
|
14
|
856,679
|
7+
|
77.2
|
15.4
|
83.1
|
25
|
1,812,000
|
11,575
|
855,836,290
|
32
|
2,180,167
|
Total
|
74.9
|
7.9
|
84.6
|
91
|
6,530,108
|
76,471
|
5,371,627,354
|
121
|
7,715,868
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.6
FEMALE LIFE THREATENING CANCER EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
49.5
|
15.7
|
55.8
|
10
|
535,000
|
10,876
|
595,329,726
|
20
|
958,811
|
2
|
48.1
|
15.2
|
49.7
|
10
|
490,000
|
9,996
|
544,123,027
|
21
|
986,705
|
3
|
106.3
|
22.2
|
134.5
|
23
|
1,379,000
|
9,316
|
502,009,602
|
22
|
1,024,955
|
4
|
73.0
|
18.3
|
52.4
|
16
|
545,755
|
8,567
|
456,651,304
|
22
|
1,041,415
|
5
|
108.9
|
22.7
|
139.2
|
23
|
1,395,005
|
7,529
|
399,660,681
|
21
|
1,002,229
|
6
|
121.0
|
25.8
|
118.9
|
22
|
1,035,000
|
5,907
|
313,885,664
|
18
|
870,256
|
7+
|
111.6
|
17.4
|
90.0
|
41
|
1,683,070
|
9,628
|
531,482,749
|
37
|
1,870,703
|
Total
|
90.3
|
7.5
|
91.1
|
145
|
7,062,830
|
61,817
|
3,343,142,753
|
161
|
7,755,075
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.7
LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.7
|
2.9
|
30.3
|
99
|
8,440,000
|
194,344
|
17,490,062,236
|
345
|
27,838,694
|
2
|
66.0
|
4.2
|
67.2
|
243
|
20,178,391
|
182,966
|
16,668,316,279
|
368
|
30,009,501
|
3
|
67.4
|
4.1
|
75.6
|
269
|
24,541,806
|
173,898
|
15,821,664,967
|
399
|
32,450,632
|
4
|
70.5
|
4.1
|
73.5
|
298
|
25,100,279
|
163,738
|
14,735,370,561
|
423
|
34,159,823
|
5
|
70.4
|
4.1
|
74.4
|
300
|
25,706,843
|
146,582
|
13,209,444,268
|
426
|
34,533,956
|
6
|
72.9
|
4.3
|
78.8
|
283
|
24,795,530
|
119,204
|
10,708,823,159
|
388
|
31,456,075
|
7+
|
74.2
|
2.9
|
76.6
|
651
|
56,370,471
|
209,069
|
19,088,644,520
|
877
|
73,570,456
|
Total
|
66.4
|
1.4
|
70.1
|
2,143
|
185,133,320
|
1,189,802
|
107,722,325,990
|
3,226
|
264,019,136
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.8
MALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.8
|
4.3
|
26.7
|
30
|
3,230,000
|
91,348
|
9,368,939,207
|
126
|
12,098,868
|
2
|
66.2
|
6.9
|
65.8
|
92
|
8,806,749
|
86,954
|
8,993,948,129
|
139
|
13,374,045
|
3
|
62.2
|
6.3
|
75.7
|
97
|
11,216,132
|
83,248
|
8,571,429,945
|
156
|
14,811,073
|
4
|
75.0
|
6.6
|
77.1
|
128
|
12,289,043
|
78,646
|
7,976,681,023
|
171
|
15,942,477
|
5
|
71.5
|
6.4
|
71.0
|
126
|
11,706,664
|
70,363
|
7,169,203,379
|
176
|
16,480,361
|
6
|
67.0
|
6.4
|
71.5
|
110
|
10,949,485
|
57,259
|
5,827,423,607
|
164
|
15,318,022
|
7+
|
73.5
|
4.3
|
75.9
|
298
|
29,360,165
|
102,856
|
10,597,265,009
|
405
|
38,674,251
|
Total
|
65.9
|
2.2
|
69.1
|
881
|
87,558,238
|
570,673
|
58,504,890,299
|
1,337
|
126,699,097
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 6.9
FEMALE LIFE THREATENING CANCER EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.5
|
3.8
|
33.1
|
69
|
5,210,000
|
102,997
|
8,121,123,029
|
219
|
15,739,826
|
2
|
65.9
|
5.4
|
68.4
|
151
|
11,371,642
|
96,012
|
7,674,368,150
|
229
|
16,635,456
|
3
|
70.8
|
5.4
|
75.5
|
172
|
13,325,674
|
90,650
|
7,250,235,023
|
243
|
17,639,559
|
4
|
67.4
|
5.2
|
70.3
|
170
|
12,811,236
|
85,092
|
6,758,689,538
|
252
|
18,217,346
|
5
|
69.6
|
5.3
|
77.5
|
174
|
14,000,179
|
76,220
|
6,040,240,889
|
250
|
18,053,595
|
6
|
77.2
|
5.9
|
85.8
|
173
|
13,846,045
|
61,945
|
4,881,399,552
|
224
|
16,138,052
|
7+
|
74.9
|
4.0
|
77.4
|
353
|
27,010,306
|
106,213
|
8,491,379,510
|
472
|
34,896,205
|
Total
|
66.8
|
1.9
|
71.1
|
1,262
|
97,575,082
|
619,129
|
49,217,435,691
|
1,889
|
137,320,039
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.1
STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.0
|
6.7
|
15.9
|
9
|
594,000
|
219,720
|
19,103,423,129
|
45
|
3,744,958
|
2
|
28.9
|
7.7
|
25.9
|
14
|
1,048,189
|
205,805
|
18,112,920,541
|
48
|
4,049,655
|
3
|
32.3
|
7.8
|
45.1
|
17
|
1,975,000
|
194,695
|
17,116,924,994
|
53
|
4,382,998
|
4
|
48.3
|
9.3
|
54.4
|
27
|
2,510,000
|
182,534
|
15,889,970,680
|
56
|
4,617,673
|
5
|
35.4
|
7.9
|
29.1
|
20
|
1,360,700
|
163,023
|
14,230,023,421
|
57
|
4,680,268
|
6
|
32.9
|
8.0
|
28.3
|
17
|
1,207,491
|
132,040
|
11,507,869,774
|
52
|
4,269,245
|
7+
|
34.2
|
5.3
|
35.6
|
41
|
3,620,000
|
230,272
|
20,475,963,558
|
120
|
10,155,775
|
Total
|
33.7
|
2.8
|
34.3
|
145
|
12,315,380
|
1,328,090
|
116,437,096,097
|
430
|
35,900,574
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.2
MALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.8
|
8.9
|
17.7
|
5
|
420,000
|
105,848
|
10,386,970,374
|
25
|
2,375,208
|
2
|
18.2
|
8.1
|
19.2
|
5
|
500,000
|
99,797
|
9,894,429,364
|
27
|
2,601,482
|
3
|
36.3
|
11.0
|
46.0
|
11
|
1,305,000
|
94,730
|
9,364,680,370
|
30
|
2,839,245
|
4
|
43.1
|
11.5
|
56.9
|
14
|
1,715,000
|
88,875
|
8,674,629,838
|
33
|
3,011,740
|
5
|
36.4
|
10.5
|
25.6
|
12
|
785,700
|
79,274
|
7,790,121,850
|
33
|
3,070,453
|
6
|
29.7
|
9.9
|
27.9
|
9
|
785,000
|
64,188
|
6,312,584,558
|
30
|
2,810,885
|
7+
|
37.4
|
7.2
|
44.4
|
27
|
3,040,000
|
114,431
|
11,453,101,299
|
72
|
6,841,295
|
Total
|
33.1
|
3.6
|
36.3
|
83
|
8,550,700
|
647,143
|
63,876,517,654
|
251
|
23,550,308
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.3
FEMALE STROKE EXPERIENCE
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.1
|
10.1
|
12.7
|
4
|
174,000
|
113,872
|
8,716,452,755
|
20
|
1,369,750
|
2
|
43.1
|
14.4
|
37.9
|
9
|
548,189
|
106,008
|
8,218,491,177
|
21
|
1,448,173
|
3
|
26.9
|
11.0
|
43.4
|
6
|
670,000
|
99,965
|
7,752,244,624
|
22
|
1,543,753
|
4
|
55.5
|
15.4
|
49.5
|
13
|
795,000
|
93,659
|
7,215,340,842
|
23
|
1,605,934
|
5
|
34.0
|
12.0
|
35.7
|
8
|
575,000
|
83,749
|
6,439,901,571
|
24
|
1,609,815
|
6
|
37.3
|
13.2
|
29.0
|
8
|
422,491
|
67,852
|
5,195,285,216
|
21
|
1,458,360
|
7+
|
29.4
|
7.9
|
17.5
|
14
|
580,000
|
115,840
|
9,022,862,259
|
48
|
3,314,481
|
Total
|
34.6
|
4.4
|
30.5
|
62
|
3,764,680
|
680,946
|
52,560,578,444
|
179
|
12,350,266
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.4
STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
25,376
|
1,613,360,894
|
4
|
241,268
|
2
|
45.4
|
32.1
|
64.3
|
2
|
160,000
|
22,838
|
1,444,604,262
|
4
|
248,664
|
3
|
21.9
|
21.9
|
117.7
|
1
|
300,000
|
20,797
|
1,295,260,027
|
5
|
254,842
|
4
|
86.7
|
43.3
|
63.8
|
4
|
165,000
|
18,797
|
1,154,600,118
|
5
|
258,433
|
5
|
44.1
|
31.2
|
58.1
|
2
|
150,000
|
16,441
|
1,020,579,152
|
5
|
258,348
|
6
|
75.7
|
43.7
|
87.7
|
3
|
200,000
|
12,837
|
799,046,615
|
4
|
228,048
|
7+
|
67.9
|
27.7
|
103.2
|
6
|
560,000
|
21,203
|
1,387,319,038
|
9
|
542,659
|
Total
|
51.2
|
12.1
|
75.5
|
18
|
1,535,000
|
138,288
|
8,714,770,107
|
35
|
2,032,262
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.5
MALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
14,500
|
1,018,031,167
|
3
|
162,243
|
2
|
0.0
|
0.0
|
0.0
|
0
|
0
|
12,843
|
900,481,235
|
3
|
167,569
|
3
|
36.2
|
36.2
|
175.8
|
1
|
300,000
|
11,482
|
793,250,426
|
3
|
170,602
|
4
|
107.7
|
62.2
|
66.6
|
3
|
115,000
|
10,229
|
697,948,814
|
3
|
172,584
|
5
|
36.3
|
36.3
|
71.3
|
1
|
125,000
|
8,912
|
620,918,471
|
3
|
175,366
|
6
|
41.5
|
41.5
|
64.3
|
1
|
100,000
|
6,930
|
485,160,951
|
2
|
155,449
|
7+
|
54.0
|
31.2
|
124.6
|
3
|
475,000
|
11,575
|
855,836,290
|
6
|
381,140
|
Total
|
41.8
|
13.9
|
80.5
|
9
|
1,115,000
|
76,471
|
5,371,627,354
|
22
|
1,384,952
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.6
FEMALE STROKE EXPERIENCE -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10,876
|
595,329,726
|
2
|
79,026
|
2
|
116.3
|
82.2
|
197.3
|
2
|
160,000
|
9,996
|
544,123,027
|
2
|
81,095
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9,316
|
502,009,602
|
2
|
84,240
|
4
|
54.6
|
54.6
|
58.2
|
1
|
50,000
|
8,567
|
456,651,304
|
2
|
85,849
|
5
|
56.2
|
56.2
|
30.1
|
1
|
25,000
|
7,529
|
399,660,681
|
2
|
82,982
|
6
|
129.0
|
91.2
|
137.7
|
2
|
100,000
|
5,907
|
313,885,664
|
2
|
72,599
|
7+
|
91.4
|
52.8
|
52.6
|
3
|
85,000
|
9,628
|
531,482,749
|
3
|
161,519
|
Total
|
66.0
|
22.0
|
64.9
|
9
|
420,000
|
61,817
|
3,343,142,753
|
14
|
647,310
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.7
STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.0
|
7.3
|
17.0
|
9
|
594,000
|
194,344
|
17,490,062,236
|
41
|
3,503,690
|
2
|
27.3
|
7.9
|
23.4
|
12
|
888,189
|
182,966
|
16,668,316,279
|
44
|
3,800,991
|
3
|
33.3
|
8.3
|
40.6
|
16
|
1,675,000
|
173,898
|
15,821,664,967
|
48
|
4,128,156
|
4
|
44.8
|
9.3
|
53.8
|
23
|
2,345,000
|
163,738
|
14,735,370,561
|
51
|
4,359,241
|
5
|
34.6
|
8.2
|
27.4
|
18
|
1,210,700
|
146,582
|
13,209,444,268
|
52
|
4,421,920
|
6
|
29.3
|
7.8
|
24.9
|
14
|
1,007,491
|
119,204
|
10,708,823,159
|
48
|
4,041,198
|
7+
|
31.6
|
5.3
|
31.8
|
35
|
3,060,000
|
209,069
|
19,088,644,520
|
111
|
9,613,116
|
Total
|
32.2
|
2.9
|
31.8
|
127
|
10,780,380
|
1,189,802
|
107,722,325,990
|
395
|
33,868,312
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.8
MALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.1
|
9.9
|
19.0
|
5
|
420,000
|
91,348
|
9,368,939,207
|
23
|
2,212,966
|
2
|
20.2
|
9.0
|
20.5
|
5
|
500,000
|
86,954
|
8,993,948,129
|
25
|
2,433,912
|
3
|
36.4
|
11.5
|
37.7
|
10
|
1,005,000
|
83,248
|
8,571,429,945
|
28
|
2,668,643
|
4
|
37.0
|
11.2
|
56.4
|
11
|
1,600,000
|
78,646
|
7,976,681,023
|
30
|
2,839,156
|
5
|
36.4
|
11.0
|
22.8
|
11
|
660,700
|
70,363
|
7,169,203,379
|
30
|
2,895,087
|
6
|
28.7
|
10.1
|
25.8
|
8
|
685,000
|
57,259
|
5,827,423,607
|
28
|
2,655,436
|
7+
|
36.0
|
7.4
|
39.7
|
24
|
2,565,000
|
102,856
|
10,597,265,009
|
67
|
6,460,155
|
Total
|
32.3
|
3.7
|
33.5
|
74
|
7,435,700
|
570,673
|
58,504,890,299
|
229
|
22,165,356
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 7.9
FEMALE STROKE EXPERIENCE -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.0
|
11.0
|
13.5
|
4
|
174,000
|
102,997
|
8,121,123,029
|
18
|
1,290,724
|
2
|
36.5
|
13.8
|
28.4
|
7
|
388,189
|
96,012
|
7,674,368,150
|
19
|
1,367,078
|
3
|
29.2
|
11.9
|
45.9
|
6
|
670,000
|
90,650
|
7,250,235,023
|
21
|
1,459,513
|
4
|
55.6
|
16.1
|
49.0
|
12
|
745,000
|
85,092
|
6,758,689,538
|
22
|
1,520,085
|
5
|
32.1
|
12.1
|
36.0
|
7
|
550,000
|
76,220
|
6,040,240,889
|
22
|
1,526,833
|
6
|
30.2
|
12.3
|
23.3
|
6
|
322,491
|
61,945
|
4,881,399,552
|
20
|
1,385,762
|
7+
|
24.9
|
7.5
|
15.7
|
11
|
495,000
|
106,213
|
8,491,379,510
|
44
|
3,152,961
|
Total
|
32.0
|
4.4
|
28.6
|
53
|
3,344,680
|
619,129
|
49,217,435,691
|
165
|
11,702,956
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.1
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.7
|
4.5
|
32.2
|
50
|
4,848,600
|
59,047
|
5,662,225,216
|
158
|
15,056,807
|
2
|
40.1
|
5.3
|
44.5
|
58
|
6,214,000
|
47,028
|
4,624,548,319
|
145
|
13,977,124
|
3
|
54.2
|
6.0
|
47.6
|
81
|
6,986,700
|
40,614
|
4,132,920,482
|
149
|
14,692,516
|
4
|
50.0
|
5.3
|
51.5
|
88
|
8,984,490
|
40,165
|
4,117,890,085
|
176
|
17,453,027
|
5
|
54.1
|
5.3
|
51.4
|
104
|
9,593,200
|
37,321
|
3,811,062,713
|
193
|
18,654,271
|
6
|
57.2
|
5.6
|
50.3
|
103
|
8,258,000
|
30,991
|
2,987,654,037
|
180
|
16,413,513
|
7+
|
60.2
|
4.9
|
56.0
|
153
|
11,721,000
|
38,509
|
3,438,539,150
|
254
|
20,947,112
|
Total
|
50.8
|
2.0
|
48.3
|
638
|
56,605,990
|
293,675
|
28,774,840,002
|
1,255
|
117,194,370
|
By Issue Age
|
20-24
|
62.6
|
20.9
|
67.6
|
9
|
885,000
|
18,668
|
1,710,149,214
|
14
|
1,309,745
|
25-29
|
59.3
|
11.2
|
63.5
|
28
|
2,805,000
|
41,829
|
3,931,515,972
|
47
|
4,414,710
|
30-34
|
55.9
|
7.7
|
41.1
|
52
|
3,878,200
|
53,969
|
5,523,340,925
|
93
|
9,439,261
|
35-39
|
46.0
|
5.4
|
38.9
|
73
|
6,485,000
|
57,756
|
6,136,682,207
|
159
|
16,672,008
|
40-44
|
53.8
|
4.7
|
52.3
|
133
|
13,047,500
|
54,125
|
5,536,297,935
|
248
|
24,955,465
|
45-49
|
51.5
|
4.2
|
47.2
|
154
|
13,066,090
|
39,689
|
3,681,130,975
|
299
|
27,664,406
|
50-54
|
49.9
|
4.6
|
52.1
|
117
|
10,462,600
|
19,494
|
1,641,798,033
|
235
|
20,062,742
|
55-59
|
46.7
|
6.2
|
49.3
|
57
|
4,846,600
|
6,715
|
514,506,875
|
123
|
9,827,135
|
60+
|
37.3
|
10.0
|
39.7
|
14
|
1,130,000
|
1,432
|
99,417,867
|
38
|
2,848,898
|
Total
|
50.8
|
2.0
|
48.3
|
638
|
56,605,990
|
293,675
|
28,774,840,002
|
1,255
|
117,194,370
|
By Attained Age
|
20-24
|
31.3
|
22.1
|
26.1
|
2
|
150,000
|
9,626
|
870,307,801
|
6
|
575,507
|
25-29
|
61.9
|
14.6
|
54.8
|
18
|
1,450,000
|
31,256
|
2,871,760,069
|
29
|
2,645,893
|
30-34
|
51.0
|
8.9
|
55.7
|
33
|
3,515,000
|
46,759
|
4,607,687,377
|
65
|
6,306,148
|
35-39
|
51.1
|
6.8
|
37.3
|
57
|
4,318,200
|
53,320
|
5,612,754,175
|
112
|
11,578,160
|
40-44
|
47.6
|
5.2
|
41.8
|
85
|
7,897,500
|
53,656
|
5,728,732,027
|
179
|
18,899,465
|
45-49
|
53.4
|
4.5
|
51.9
|
138
|
13,311,100
|
47,478
|
4,703,277,915
|
260
|
25,655,062
|
50-54
|
51.1
|
4.3
|
45.3
|
142
|
11,421,590
|
31,295
|
2,811,212,783
|
277
|
25,231,238
|
55-59
|
47.2
|
4.9
|
55.2
|
94
|
9,149,000
|
14,393
|
1,151,616,165
|
200
|
16,585,081
|
60-64
|
57.5
|
7.7
|
65.2
|
56
|
4,833,600
|
4,801
|
343,704,268
|
98
|
7,419,084
|
65+
|
39.0
|
11.3
|
24.4
|
12
|
560,000
|
1,091
|
73,787,421
|
31
|
2,298,733
|
Total
|
50.8
|
2.0
|
48.3
|
638
|
56,605,990
|
293,675
|
28,774,840,002
|
1,255
|
117,194,370
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.2
TOTAL EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
13.3
|
7.6
|
14.2
|
3
|
285,000
|
9,484
|
843,619,241
|
23
|
2,002,106
|
2
|
49.6
|
12.4
|
49.5
|
16
|
1,400,000
|
11,118
|
1,023,021,335
|
32
|
2,826,998
|
3
|
41.7
|
10.1
|
46.2
|
17
|
1,645,000
|
12,087
|
1,124,911,023
|
41
|
3,561,520
|
4
|
45.4
|
9.7
|
37.0
|
22
|
1,545,000
|
12,848
|
1,182,461,442
|
48
|
4,172,362
|
5
|
62.4
|
10.1
|
63.1
|
38
|
3,635,000
|
13,697
|
1,346,311,825
|
61
|
5,758,982
|
6
|
56.1
|
8.6
|
48.7
|
43
|
3,770,750
|
14,777
|
1,531,140,694
|
77
|
7,744,227
|
7+
|
62.9
|
6.0
|
63.2
|
109
|
12,055,000
|
27,203
|
2,982,133,931
|
173
|
19,072,204
|
Total
|
54.4
|
3.5
|
53.9
|
248
|
24,335,750
|
101,214
|
10,033,599,492
|
456
|
45,138,399
|
By Issue Age
|
20-24
|
40.7
|
28.8
|
52.4
|
2
|
225,000
|
6,092
|
534,088,994
|
5
|
429,306
|
25-29
|
68.0
|
19.6
|
98.2
|
12
|
1,605,000
|
14,768
|
1,363,380,884
|
18
|
1,634,355
|
30-34
|
74.6
|
14.4
|
60.3
|
27
|
2,295,000
|
19,412
|
2,029,653,991
|
36
|
3,805,511
|
35-39
|
57.5
|
9.6
|
53.2
|
36
|
3,535,000
|
20,898
|
2,222,500,225
|
63
|
6,643,604
|
40-44
|
61.2
|
8.0
|
67.3
|
58
|
6,760,750
|
18,688
|
1,951,453,627
|
95
|
10,047,521
|
45-49
|
50.4
|
7.0
|
46.9
|
52
|
4,590,000
|
12,437
|
1,136,896,135
|
103
|
9,793,182
|
50-54
|
47.9
|
7.5
|
37.5
|
41
|
3,130,000
|
6,484
|
592,097,266
|
86
|
8,356,441
|
55+
|
39.5
|
8.8
|
49.6
|
20
|
2,195,000
|
2,435
|
203,528,370
|
51
|
4,428,478
|
Total
|
54.4
|
3.5
|
53.9
|
248
|
24,335,750
|
101,214
|
10,033,599,492
|
456
|
45,138,399
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,263
|
195,612,405
|
1
|
127,818
|
25-29
|
47.9
|
23.9
|
62.5
|
4
|
455,000
|
9,117
|
798,689,570
|
8
|
727,955
|
30-34
|
73.3
|
18.9
|
85.4
|
15
|
1,640,000
|
15,153
|
1,432,799,782
|
20
|
1,920,639
|
35-39
|
58.1
|
12.4
|
48.2
|
22
|
1,875,000
|
18,655
|
1,945,260,768
|
38
|
3,891,949
|
40-44
|
64.1
|
10.1
|
55.9
|
40
|
3,640,000
|
19,265
|
2,046,497,790
|
62
|
6,515,995
|
45-49
|
53.0
|
7.6
|
52.0
|
48
|
4,820,750
|
16,961
|
1,747,905,545
|
91
|
9,267,518
|
50-54
|
57.6
|
7.6
|
68.3
|
58
|
6,525,000
|
11,585
|
1,084,500,320
|
101
|
9,553,644
|
55-59
|
40.3
|
7.0
|
27.3
|
33
|
2,235,000
|
5,891
|
563,503,384
|
82
|
8,174,152
|
60+
|
54.2
|
10.2
|
63.4
|
28
|
3,145,000
|
2,325
|
218,829,928
|
52
|
4,958,728
|
Total
|
54.4
|
3.5
|
53.9
|
248
|
24,335,750
|
101,214
|
10,033,599,492
|
456
|
45,138,399
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.3
TOTAL EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
53.7
|
1.4
|
57.5
|
1,528
|
129,041,281
|
493,584
|
43,149,961,210
|
2,846
|
224,358,212
|
Total
|
53.7
|
1.4
|
57.5
|
1,528
|
129,041,281
|
493,584
|
43,149,961,210
|
2,846
|
224,358,212
|
By Issue Age
|
20-39
|
58.7
|
3.4
|
66.0
|
298
|
32,270,238
|
246,712
|
23,708,593,192
|
509
|
48,908,659
|
40-44
|
58.2
|
3.6
|
58.8
|
267
|
24,272,226
|
92,788
|
8,285,058,550
|
459
|
41,265,361
|
45-49
|
52.7
|
3.0
|
51.3
|
319
|
24,926,347
|
74,767
|
5,883,908,985
|
604
|
48,577,988
|
50-54
|
50.4
|
2.8
|
54.4
|
313
|
24,453,306
|
48,673
|
3,409,485,910
|
622
|
44,953,745
|
55-59
|
56.4
|
3.7
|
63.9
|
236
|
17,743,463
|
22,211
|
1,423,070,282
|
419
|
27,777,733
|
60+
|
40.2
|
4.1
|
41.8
|
94
|
5,375,701
|
8,434
|
439,844,292
|
234
|
12,874,726
|
Total
|
53.7
|
1.4
|
57.5
|
1,528
|
129,041,281
|
493,584
|
43,149,961,210
|
2,846
|
224,358,212
|
By Attained Age
|
20-44
|
55.9
|
3.1
|
63.5
|
319
|
34,175,766
|
269,086
|
25,570,394,990
|
571
|
53,846,292
|
45-49
|
57.1
|
3.5
|
57.5
|
264
|
22,907,958
|
86,447
|
7,465,118,717
|
463
|
39,826,593
|
50-54
|
51.5
|
3.0
|
50.9
|
301
|
23,523,968
|
67,272
|
5,271,412,465
|
586
|
46,249,925
|
55-59
|
52.4
|
3.0
|
58.4
|
312
|
25,665,455
|
43,086
|
3,110,168,717
|
594
|
43,973,335
|
60-64
|
57.5
|
3.8
|
61.8
|
233
|
16,754,546
|
20,034
|
1,299,718,125
|
406
|
27,109,378
|
65+
|
43.3
|
4.4
|
45.0
|
98
|
6,013,588
|
7,659
|
433,148,195
|
226
|
13,352,688
|
Total
|
53.7
|
1.4
|
57.5
|
1,528
|
129,041,281
|
493,584
|
43,149,961,210
|
2,846
|
224,358,212
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.4
TOTAL EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.5
|
4.1
|
27.9
|
41
|
3,332,500
|
50,454
|
3,966,735,915
|
156
|
11,943,201
|
2
|
55.8
|
6.3
|
53.8
|
78
|
5,566,367
|
41,952
|
3,217,430,536
|
139
|
10,342,911
|
3
|
52.1
|
6.5
|
75.3
|
65
|
6,719,995
|
35,910
|
2,646,005,175
|
125
|
8,926,782
|
4
|
74.5
|
7.9
|
69.4
|
88
|
5,325,750
|
33,059
|
2,225,403,471
|
118
|
7,678,896
|
5
|
57.3
|
7.3
|
54.0
|
62
|
3,515,000
|
28,999
|
1,822,210,829
|
108
|
6,505,353
|
6
|
57.9
|
7.9
|
63.5
|
53
|
3,390,167
|
22,619
|
1,371,173,994
|
92
|
5,337,626
|
7+
|
68.2
|
6.3
|
67.9
|
116
|
7,394,845
|
32,509
|
2,063,091,504
|
170
|
10,884,692
|
Total
|
55.4
|
2.5
|
57.2
|
503
|
35,244,624
|
245,501
|
17,312,051,424
|
908
|
61,619,461
|
By Issue Age
|
20-44
|
59.7
|
3.8
|
61.7
|
248
|
18,870,245
|
198,189
|
14,224,716,524
|
416
|
30,568,215
|
45-49
|
51.9
|
5.4
|
54.3
|
91
|
6,586,967
|
24,629
|
1,731,555,129
|
176
|
12,137,935
|
50-54
|
54.8
|
5.9
|
50.8
|
87
|
5,169,045
|
14,128
|
899,721,241
|
159
|
10,184,660
|
55-59
|
48.0
|
6.4
|
53.9
|
56
|
3,466,367
|
6,853
|
365,791,885
|
118
|
6,432,309
|
60-64
|
51.3
|
12.1
|
52.4
|
18
|
1,042,000
|
1,536
|
80,289,716
|
35
|
1,990,111
|
65+
|
43.6
|
30.8
|
35.9
|
2
|
110,000
|
165
|
9,976,929
|
5
|
306,231
|
Total
|
55.4
|
2.5
|
57.2
|
503
|
35,244,624
|
245,501
|
17,312,051,424
|
908
|
61,619,461
|
By Attained Age
|
20-44
|
58.6
|
4.3
|
63.2
|
187
|
14,952,745
|
180,255
|
12,944,909,017
|
319
|
23,659,612
|
45-49
|
49.7
|
5.6
|
47.9
|
79
|
5,546,000
|
29,669
|
2,172,790,723
|
159
|
11,586,923
|
50-54
|
59.6
|
5.9
|
56.5
|
102
|
6,537,667
|
19,774
|
1,313,002,349
|
172
|
11,575,585
|
55-59
|
52.5
|
6.0
|
48.3
|
76
|
4,134,545
|
10,411
|
601,608,304
|
144
|
8,557,352
|
60-64
|
49.9
|
7.5
|
62.5
|
44
|
2,936,667
|
4,425
|
225,587,742
|
88
|
4,699,202
|
65+
|
57.9
|
14.9
|
73.8
|
15
|
1,137,000
|
966
|
54,153,288
|
26
|
1,540,789
|
Total
|
55.4
|
2.5
|
57.2
|
503
|
35,244,624
|
245,501
|
17,312,051,424
|
908
|
61,619,461
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.5
MALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
37.0
|
7.1
|
37.3
|
27
|
3,097,500
|
27,890
|
3,096,881,873
|
73
|
8,302,364
|
2
|
37.7
|
7.4
|
36.3
|
26
|
2,854,000
|
22,664
|
2,566,203,871
|
69
|
7,860,190
|
3
|
47.5
|
8.0
|
42.9
|
35
|
3,653,100
|
19,976
|
2,316,715,500
|
75
|
8,514,540
|
4
|
48.4
|
7.4
|
49.8
|
43
|
5,115,000
|
19,521
|
2,281,186,456
|
89
|
10,276,196
|
5
|
48.9
|
7.1
|
50.6
|
48
|
5,575,000
|
17,842
|
2,095,533,765
|
98
|
11,007,588
|
6
|
44.3
|
7.0
|
37.3
|
40
|
3,578,000
|
14,372
|
1,607,551,793
|
90
|
9,603,936
|
7+
|
49.0
|
6.3
|
49.8
|
61
|
5,851,000
|
17,233
|
1,767,656,421
|
124
|
11,749,102
|
Total
|
45.4
|
2.7
|
44.2
|
281
|
29,723,600
|
139,498
|
15,731,729,679
|
619
|
67,313,915
|
By Issue Age
|
20-24
|
96.6
|
39.4
|
104.8
|
6
|
635,000
|
8,933
|
870,069,588
|
6
|
606,023
|
25-29
|
59.0
|
17.8
|
49.9
|
11
|
965,000
|
19,118
|
1,968,957,573
|
19
|
1,934,210
|
30-34
|
39.4
|
10.2
|
31.9
|
15
|
1,425,000
|
25,646
|
2,984,378,900
|
38
|
4,463,198
|
35-39
|
39.9
|
7.7
|
32.3
|
27
|
2,675,000
|
27,579
|
3,367,597,810
|
68
|
8,272,451
|
40-44
|
45.7
|
6.3
|
43.6
|
53
|
5,977,500
|
26,228
|
3,130,756,676
|
116
|
13,712,623
|
45-49
|
43.6
|
5.3
|
41.6
|
66
|
6,923,500
|
19,041
|
2,115,841,856
|
153
|
16,661,136
|
50-54
|
48.1
|
6.1
|
48.7
|
63
|
6,307,600
|
9,376
|
939,566,344
|
131
|
12,957,814
|
55-59
|
46.6
|
8.2
|
58.1
|
32
|
3,865,000
|
3,002
|
294,436,695
|
69
|
6,651,272
|
60-64
|
39.4
|
14.9
|
49.1
|
7
|
950,000
|
533
|
57,254,237
|
18
|
1,932,896
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
44
|
2,870,000
|
2
|
122,293
|
Total
|
45.4
|
2.7
|
44.2
|
281
|
29,723,600
|
139,498
|
15,731,729,679
|
619
|
67,313,915
|
By Attained Age
|
20-24
|
34.1
|
34.1
|
35.8
|
1
|
100,000
|
4,704
|
449,363,654
|
3
|
279,582
|
25-29
|
93.4
|
28.2
|
76.7
|
11
|
900,000
|
14,433
|
1,438,212,363
|
12
|
1,173,833
|
30-34
|
42.0
|
12.7
|
41.8
|
11
|
1,225,000
|
21,947
|
2,436,263,095
|
26
|
2,930,068
|
35-39
|
39.3
|
9.3
|
30.2
|
18
|
1,665,000
|
25,384
|
3,045,543,950
|
46
|
5,516,393
|
40-44
|
39.0
|
7.0
|
34.5
|
31
|
3,392,500
|
25,969
|
3,204,455,643
|
80
|
9,832,930
|
45-49
|
47.2
|
6.1
|
43.7
|
59
|
6,408,000
|
22,946
|
2,688,422,719
|
126
|
14,679,244
|
50-54
|
43.6
|
5.5
|
42.0
|
63
|
6,472,100
|
14,914
|
1,585,579,745
|
145
|
15,417,452
|
55-59
|
44.4
|
6.3
|
49.4
|
49
|
5,321,000
|
6,615
|
644,370,547
|
110
|
10,772,659
|
60-64
|
54.1
|
9.9
|
76.6
|
30
|
3,850,000
|
2,153
|
193,634,745
|
55
|
5,027,957
|
65+
|
43.9
|
16.6
|
23.2
|
7
|
390,000
|
432
|
45,883,217
|
16
|
1,683,798
|
Total
|
45.4
|
2.7
|
44.2
|
281
|
29,723,600
|
139,498
|
15,731,729,679
|
619
|
67,313,915
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.6
MALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
9.6
|
9.6
|
20.2
|
1
|
200,000
|
4,455
|
425,356,799
|
10
|
987,724
|
2
|
46.5
|
17.6
|
46.5
|
7
|
685,000
|
5,332
|
536,462,718
|
15
|
1,473,183
|
3
|
20.4
|
10.2
|
17.1
|
4
|
325,000
|
5,862
|
598,396,828
|
20
|
1,903,296
|
4
|
37.5
|
12.5
|
29.5
|
9
|
675,000
|
6,342
|
635,548,979
|
24
|
2,284,658
|
5
|
49.8
|
12.5
|
52.9
|
16
|
1,825,000
|
6,971
|
763,862,116
|
32
|
3,451,850
|
6
|
34.3
|
8.9
|
24.1
|
15
|
1,205,000
|
7,819
|
913,578,389
|
44
|
5,007,558
|
7+
|
50.8
|
7.0
|
54.4
|
53
|
7,070,000
|
14,676
|
1,832,100,682
|
104
|
13,001,698
|
Total
|
42.1
|
4.1
|
42.6
|
105
|
11,985,000
|
51,458
|
5,705,306,512
|
249
|
28,109,967
|
By Issue Age
|
20-24
|
46.0
|
46.0
|
50.1
|
1
|
100,000
|
2,996
|
275,029,680
|
2
|
199,595
|
25-29
|
53.5
|
26.8
|
94.3
|
4
|
680,000
|
7,187
|
686,215,879
|
7
|
721,335
|
30-34
|
63.7
|
20.1
|
54.4
|
10
|
975,000
|
9,770
|
1,095,090,312
|
16
|
1,791,669
|
35-39
|
50.2
|
13.0
|
48.8
|
15
|
1,775,000
|
10,890
|
1,305,884,048
|
30
|
3,638,659
|
40-44
|
34.4
|
8.4
|
45.2
|
17
|
2,790,000
|
9,678
|
1,185,635,982
|
49
|
6,170,612
|
45-49
|
42.2
|
8.6
|
38.4
|
24
|
2,390,000
|
6,191
|
655,674,007
|
57
|
6,228,608
|
50-54
|
41.5
|
8.8
|
28.2
|
22
|
1,675,000
|
3,374
|
365,285,284
|
53
|
5,947,283
|
55+
|
34.5
|
10.0
|
46.9
|
12
|
1,600,000
|
1,372
|
136,491,318
|
35
|
3,412,206
|
Total
|
42.1
|
4.1
|
42.6
|
105
|
11,985,000
|
51,458
|
5,705,306,512
|
249
|
28,109,967
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,085
|
97,996,952
|
1
|
60,146
|
25-29
|
57.2
|
40.4
|
88.9
|
2
|
280,000
|
4,365
|
393,602,947
|
3
|
315,109
|
30-34
|
92.3
|
32.6
|
107.3
|
8
|
925,000
|
7,467
|
741,262,980
|
9
|
862,037
|
35-39
|
18.1
|
10.5
|
10.4
|
3
|
195,000
|
9,497
|
1,079,503,319
|
17
|
1,880,781
|
40-44
|
57.9
|
14.0
|
48.4
|
17
|
1,695,000
|
9,930
|
1,188,474,640
|
29
|
3,501,528
|
45-49
|
23.9
|
7.2
|
26.2
|
11
|
1,450,000
|
8,662
|
1,045,913,342
|
46
|
5,525,151
|
50-54
|
52.9
|
9.7
|
67.6
|
30
|
4,150,000
|
5,960
|
646,697,813
|
57
|
6,142,109
|
55-59
|
33.4
|
8.1
|
19.6
|
17
|
1,165,000
|
3,103
|
362,858,543
|
51
|
5,952,487
|
60+
|
46.1
|
11.2
|
54.9
|
17
|
2,125,000
|
1,390
|
148,995,976
|
37
|
3,870,619
|
Total
|
42.1
|
4.1
|
42.6
|
105
|
11,985,000
|
51,458
|
5,705,306,512
|
249
|
28,109,967
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.7
MALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-6
|
51.4
|
2.3
|
54.3
|
487
|
43,446,494
|
178,672
|
17,009,956,179
|
947
|
79,961,847
|
7+
|
57.9
|
3.2
|
59.2
|
330
|
31,042,839
|
63,365
|
6,378,106,089
|
570
|
52,454,167
|
Total
|
53.9
|
1.9
|
56.3
|
817
|
74,489,333
|
242,037
|
23,388,062,268
|
1,517
|
132,416,013
|
By Issue Age
|
20-39
|
52.2
|
4.8
|
56.6
|
118
|
13,523,936
|
121,665
|
12,595,665,433
|
226
|
23,877,741
|
40-44
|
52.4
|
4.8
|
55.2
|
120
|
12,806,178
|
46,340
|
4,643,999,327
|
229
|
23,216,917
|
45-49
|
54.4
|
4.1
|
50.0
|
174
|
14,485,118
|
36,214
|
3,229,331,057
|
320
|
28,996,409
|
50-54
|
56.4
|
4.0
|
62.3
|
199
|
17,874,398
|
23,219
|
1,867,197,806
|
353
|
28,684,632
|
55-59
|
59.4
|
4.9
|
64.4
|
149
|
11,972,875
|
10,739
|
794,646,178
|
251
|
18,590,341
|
60+
|
41.1
|
5.5
|
42.3
|
56
|
3,826,828
|
3,859
|
257,222,467
|
136
|
9,049,973
|
Total
|
53.9
|
1.9
|
56.3
|
817
|
74,489,333
|
242,037
|
23,388,062,268
|
1,517
|
132,416,013
|
By Attained Age
|
20-44
|
51.4
|
4.5
|
57.9
|
130
|
15,201,740
|
132,702
|
13,621,527,871
|
253
|
26,256,646
|
45-49
|
49.6
|
4.7
|
49.4
|
113
|
10,922,882
|
42,709
|
4,146,466,782
|
229
|
22,089,111
|
50-54
|
52.1
|
4.1
|
51.1
|
162
|
14,071,368
|
32,517
|
2,889,544,218
|
311
|
27,527,665
|
55-59
|
57.6
|
4.1
|
62.1
|
197
|
17,753,890
|
20,732
|
1,736,180,641
|
343
|
28,594,559
|
60-64
|
63.0
|
5.1
|
65.8
|
155
|
12,158,895
|
9,773
|
738,880,453
|
246
|
18,477,402
|
65+
|
43.7
|
5.7
|
46.3
|
59
|
4,380,558
|
3,604
|
255,462,303
|
135
|
9,470,629
|
Total
|
53.9
|
1.9
|
56.3
|
817
|
74,489,333
|
242,037
|
23,388,062,268
|
1,517
|
132,416,013
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.8
MALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
24.8
|
5.7
|
24.2
|
19
|
1,680,000
|
24,933
|
2,218,538,944
|
77
|
6,952,712
|
2
|
52.2
|
8.6
|
52.4
|
36
|
3,176,367
|
20,667
|
1,789,279,666
|
70
|
6,065,326
|
3
|
54.1
|
9.3
|
80.6
|
34
|
4,214,995
|
17,615
|
1,460,908,307
|
63
|
5,231,664
|
4
|
56.1
|
9.8
|
52.2
|
33
|
2,300,000
|
16,044
|
1,203,849,666
|
59
|
4,408,657
|
5
|
51.7
|
9.8
|
44.1
|
28
|
1,630,000
|
14,024
|
976,549,647
|
54
|
3,692,673
|
6
|
39.0
|
9.2
|
52.6
|
18
|
1,595,167
|
10,922
|
731,960,354
|
46
|
3,030,013
|
7+
|
64.6
|
8.4
|
66.8
|
59
|
4,322,345
|
15,957
|
1,113,089,942
|
92
|
6,466,511
|
Total
|
49.5
|
3.3
|
52.8
|
228
|
18,918,874
|
120,161
|
9,494,176,527
|
461
|
35,847,556
|
By Issue Age
|
20-39
|
51.9
|
6.8
|
75.1
|
59
|
6,865,000
|
79,168
|
6,059,589,441
|
114
|
9,140,311
|
40-44
|
48.6
|
8.1
|
35.7
|
36
|
2,343,995
|
17,601
|
1,603,295,139
|
74
|
6,574,616
|
45-49
|
41.1
|
6.6
|
47.0
|
39
|
3,549,467
|
12,656
|
1,040,394,509
|
95
|
7,547,341
|
50-54
|
58.6
|
8.1
|
50.1
|
52
|
3,324,045
|
6,828
|
525,962,519
|
89
|
6,637,529
|
55-59
|
48.3
|
8.5
|
47.9
|
32
|
2,081,367
|
3,198
|
212,456,238
|
67
|
4,348,770
|
60-64
|
46.8
|
15.6
|
54.1
|
9
|
755,000
|
648
|
47,015,710
|
19
|
1,395,686
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
63
|
5,462,970
|
2
|
203,304
|
Total
|
49.5
|
3.3
|
52.8
|
228
|
18,918,874
|
120,161
|
9,494,176,527
|
461
|
35,847,556
|
By Attained Age
|
20-44
|
49.5
|
6.0
|
63.6
|
69
|
7,461,495
|
87,866
|
6,929,376,917
|
140
|
11,739,746
|
45-49
|
42.4
|
7.3
|
36.8
|
34
|
2,531,000
|
15,033
|
1,291,600,989
|
80
|
6,876,914
|
50-54
|
53.0
|
7.5
|
52.4
|
49
|
3,812,667
|
9,797
|
765,733,900
|
93
|
7,277,649
|
55-59
|
50.2
|
7.8
|
44.6
|
42
|
2,567,045
|
5,017
|
351,584,460
|
83
|
5,749,469
|
60-64
|
53.5
|
10.3
|
58.4
|
27
|
1,846,667
|
2,020
|
125,958,773
|
50
|
3,162,074
|
65+
|
47.4
|
17.9
|
67.2
|
7
|
700,000
|
428
|
29,921,487
|
15
|
1,041,704
|
Total
|
49.5
|
3.3
|
52.8
|
228
|
18,918,874
|
120,161
|
9,494,176,527
|
461
|
35,847,556
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.9
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON SURRENDER
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.2
|
5.7
|
25.9
|
23
|
1,751,100
|
31,157
|
2,565,343,343
|
85
|
6,754,443
|
2
|
42.3
|
7.5
|
54.9
|
32
|
3,360,000
|
24,363
|
2,058,344,449
|
76
|
6,116,934
|
3
|
60.8
|
9.0
|
54.0
|
45
|
3,333,600
|
20,638
|
1,816,204,982
|
75
|
6,177,977
|
4
|
51.6
|
7.7
|
53.9
|
45
|
3,869,490
|
20,643
|
1,836,703,629
|
87
|
7,176,831
|
5
|
59.6
|
7.9
|
52.5
|
56
|
4,018,200
|
19,479
|
1,715,528,949
|
94
|
7,646,683
|
6
|
70.3
|
8.8
|
68.7
|
63
|
4,680,000
|
16,619
|
1,380,102,243
|
90
|
6,809,577
|
7+
|
71.0
|
7.4
|
63.8
|
92
|
5,870,000
|
21,277
|
1,670,882,728
|
130
|
9,198,010
|
Total
|
56.1
|
3.0
|
53.9
|
357
|
26,882,390
|
154,177
|
13,043,110,323
|
636
|
49,880,454
|
By Issue Age
|
20-24
|
36.7
|
21.2
|
35.5
|
3
|
250,000
|
9,735
|
840,079,626
|
8
|
703,722
|
25-29
|
59.5
|
14.4
|
74.2
|
17
|
1,840,000
|
22,711
|
1,962,558,398
|
29
|
2,480,500
|
30-34
|
67.3
|
11.1
|
49.3
|
37
|
2,453,200
|
28,323
|
2,538,962,024
|
55
|
4,976,063
|
35-39
|
50.4
|
7.4
|
45.4
|
46
|
3,810,000
|
30,177
|
2,769,084,398
|
92
|
8,399,558
|
40-44
|
60.9
|
6.8
|
62.9
|
80
|
7,070,000
|
27,897
|
2,405,541,259
|
131
|
11,242,842
|
45-49
|
59.8
|
6.4
|
55.8
|
87
|
6,142,590
|
20,648
|
1,565,289,119
|
146
|
11,003,270
|
50-54
|
52.2
|
7.1
|
58.5
|
54
|
4,155,000
|
10,118
|
702,231,689
|
104
|
7,104,928
|
55-59
|
46.8
|
9.3
|
30.9
|
25
|
981,600
|
3,714
|
220,070,179
|
54
|
3,175,863
|
60+
|
39.1
|
14.8
|
22.7
|
7
|
180,000
|
855
|
39,293,630
|
18
|
793,709
|
Total
|
56.1
|
3.0
|
53.9
|
357
|
26,882,390
|
154,177
|
13,043,110,323
|
636
|
49,880,454
|
By Attained Age
|
20-24
|
28.9
|
28.9
|
16.9
|
1
|
50,000
|
4,922
|
420,944,148
|
3
|
295,925
|
25-29
|
40.5
|
15.3
|
37.4
|
7
|
550,000
|
16,823
|
1,433,547,706
|
17
|
1,472,060
|
30-34
|
57.1
|
12.2
|
67.8
|
22
|
2,290,000
|
24,812
|
2,171,424,282
|
39
|
3,376,081
|
35-39
|
59.4
|
9.5
|
43.8
|
39
|
2,653,200
|
27,937
|
2,567,210,225
|
66
|
6,061,767
|
40-44
|
54.4
|
7.4
|
49.7
|
54
|
4,505,000
|
27,686
|
2,524,276,384
|
100
|
9,066,535
|
45-49
|
59.1
|
6.6
|
62.9
|
79
|
6,903,100
|
24,532
|
2,014,855,195
|
134
|
10,975,818
|
50-54
|
59.5
|
6.7
|
50.4
|
78
|
4,949,490
|
16,381
|
1,225,633,038
|
131
|
9,813,786
|
55-59
|
50.6
|
7.5
|
65.9
|
45
|
3,828,000
|
7,779
|
507,245,618
|
89
|
5,812,421
|
60-64
|
62.0
|
12.1
|
41.1
|
26
|
983,600
|
2,648
|
150,069,523
|
42
|
2,391,127
|
65+
|
33.8
|
15.1
|
27.6
|
5
|
170,000
|
658
|
27,904,204
|
15
|
614,935
|
Total
|
56.1
|
3.0
|
53.9
|
357
|
26,882,390
|
154,177
|
13,043,110,323
|
636
|
49,880,454
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.10
FEMALE EXPERIENCE -- RETURN OF PREMIUM ON EXPIRY75/100
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
16.2
|
11.2
|
8.4
|
2
|
85,000
|
5,029
|
418,262,442
|
13
|
1,014,382
|
2
|
52.3
|
17.4
|
52.8
|
9
|
715,000
|
5,786
|
486,558,617
|
17
|
1,353,815
|
3
|
61.3
|
17.0
|
79.6
|
13
|
1,320,000
|
6,224
|
526,514,196
|
21
|
1,658,224
|
4
|
53.1
|
14.7
|
46.1
|
13
|
870,000
|
6,506
|
546,912,463
|
24
|
1,887,704
|
5
|
76.5
|
16.3
|
78.5
|
22
|
1,810,000
|
6,726
|
582,449,709
|
29
|
2,307,132
|
6
|
85.1
|
16.1
|
93.8
|
28
|
2,565,750
|
6,958
|
617,562,305
|
33
|
2,736,669
|
7+
|
81.2
|
10.9
|
82.1
|
56
|
4,985,000
|
12,526
|
1,150,033,249
|
69
|
6,070,506
|
Total
|
69.3
|
5.8
|
72.5
|
143
|
12,350,750
|
49,756
|
4,328,292,981
|
206
|
17,028,431
|
By Issue Age
|
20-24
|
36.5
|
36.5
|
54.4
|
1
|
125,000
|
3,097
|
259,059,314
|
3
|
229,711
|
25-29
|
78.6
|
27.8
|
101.3
|
8
|
925,000
|
7,581
|
677,165,005
|
10
|
913,019
|
30-34
|
83.1
|
20.1
|
65.5
|
17
|
1,320,000
|
9,643
|
934,563,678
|
20
|
2,013,842
|
35-39
|
64.3
|
14.0
|
58.6
|
21
|
1,760,000
|
10,008
|
916,616,177
|
33
|
3,004,946
|
40-44
|
90.4
|
14.1
|
102.4
|
41
|
3,970,750
|
9,010
|
765,817,645
|
45
|
3,876,909
|
45-49
|
60.4
|
11.4
|
61.7
|
28
|
2,200,000
|
6,247
|
481,222,128
|
46
|
3,564,574
|
50-54
|
58.4
|
13.4
|
60.4
|
19
|
1,455,000
|
3,109
|
226,811,982
|
33
|
2,409,157
|
55+
|
50.3
|
17.8
|
58.5
|
8
|
595,000
|
1,062
|
67,037,052
|
16
|
1,016,272
|
Total
|
69.3
|
5.8
|
72.5
|
143
|
12,350,750
|
49,756
|
4,328,292,981
|
206
|
17,028,431
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,178
|
97,615,454
|
1
|
67,672
|
25-29
|
41.2
|
29.1
|
42.4
|
2
|
175,000
|
4,753
|
405,086,623
|
5
|
412,846
|
30-34
|
59.4
|
22.4
|
67.5
|
7
|
715,000
|
7,685
|
691,536,802
|
12
|
1,058,602
|
35-39
|
89.1
|
20.4
|
83.5
|
19
|
1,680,000
|
9,157
|
865,757,449
|
21
|
2,011,168
|
40-44
|
69.5
|
14.5
|
64.5
|
23
|
1,945,000
|
9,335
|
858,023,150
|
33
|
3,014,467
|
45-49
|
83.1
|
13.7
|
90.1
|
37
|
3,370,750
|
8,300
|
701,992,202
|
45
|
3,742,367
|
50-54
|
63.6
|
12.0
|
69.6
|
28
|
2,375,000
|
5,625
|
437,802,507
|
44
|
3,411,535
|
55-59
|
51.5
|
12.9
|
48.2
|
16
|
1,070,000
|
2,789
|
200,644,841
|
31
|
2,221,665
|
60+
|
74.5
|
22.5
|
93.7
|
11
|
1,020,000
|
934
|
69,833,952
|
15
|
1,088,109
|
Total
|
69.3
|
5.8
|
72.5
|
143
|
12,350,750
|
49,756
|
4,328,292,981
|
206
|
17,028,431
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.11
FEMALE EXPERIENCE -- RETURN OF PREMIUM ONLY ON DEATH
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
53.5
|
2.0
|
59.3
|
711
|
54,551,948
|
251,547
|
19,761,898,942
|
1,329
|
91,942,199
|
Total
|
53.5
|
2.0
|
59.3
|
711
|
54,551,948
|
251,547
|
19,761,898,942
|
1,329
|
91,942,199
|
By Issue Age
|
20-39
|
63.8
|
4.8
|
74.9
|
180
|
18,746,302
|
125,047
|
11,112,927,758
|
282
|
25,030,919
|
40-44
|
64.0
|
5.3
|
63.5
|
147
|
11,466,048
|
46,447
|
3,641,059,223
|
230
|
18,048,444
|
45-49
|
50.9
|
4.2
|
53.3
|
144
|
10,441,229
|
38,552
|
2,654,577,928
|
284
|
19,581,579
|
50-54
|
42.6
|
4.0
|
40.4
|
114
|
6,578,908
|
25,455
|
1,542,288,104
|
268
|
16,269,113
|
55-59
|
51.9
|
5.6
|
62.8
|
87
|
5,770,588
|
11,471
|
628,424,104
|
168
|
9,187,391
|
60+
|
39.0
|
6.3
|
40.5
|
38
|
1,548,873
|
4,575
|
182,621,825
|
97
|
3,824,752
|
Total
|
53.5
|
2.0
|
59.3
|
711
|
54,551,948
|
251,547
|
19,761,898,942
|
1,329
|
91,942,199
|
By Attained Age
|
20-49
|
61.6
|
3.3
|
68.3
|
340
|
30,959,102
|
180,122
|
15,267,519,054
|
553
|
45,327,128
|
50-54
|
50.7
|
4.3
|
50.5
|
139
|
9,452,600
|
34,755
|
2,381,868,247
|
275
|
18,722,260
|
55-59
|
45.4
|
4.2
|
51.4
|
114
|
7,911,565
|
22,353
|
1,373,988,076
|
252
|
15,378,776
|
60-64
|
48.9
|
5.5
|
53.2
|
78
|
4,595,651
|
10,261
|
560,837,673
|
159
|
8,631,976
|
65+
|
42.9
|
6.9
|
42.1
|
39
|
1,633,030
|
4,055
|
177,685,892
|
91
|
3,882,060
|
Total
|
53.5
|
2.0
|
59.3
|
711
|
54,551,948
|
251,547
|
19,761,898,942
|
1,329
|
91,942,199
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 8.12
FEMALE EXPERIENCE -- NO RETURN OF PREMIUM
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
28.1
|
6.0
|
33.1
|
22
|
1,652,500
|
25,521
|
1,748,196,971
|
79
|
4,990,488
|
2
|
59.4
|
9.3
|
55.9
|
41
|
2,390,000
|
21,285
|
1,428,150,870
|
69
|
4,277,586
|
3
|
50.1
|
9.0
|
67.8
|
31
|
2,505,000
|
18,295
|
1,185,096,868
|
62
|
3,695,119
|
4
|
92.8
|
12.5
|
92.5
|
55
|
3,025,750
|
17,015
|
1,021,553,804
|
59
|
3,270,239
|
5-6
|
69.3
|
8.3
|
71.9
|
69
|
3,680,000
|
26,672
|
1,484,874,822
|
100
|
5,120,293
|
7+
|
72.5
|
9.6
|
69.5
|
57
|
3,072,500
|
16,552
|
950,001,562
|
79
|
4,418,181
|
Total
|
61.5
|
3.7
|
63.3
|
275
|
16,325,750
|
125,340
|
7,817,874,897
|
447
|
25,771,905
|
By Issue Age
|
20-44
|
67.2
|
5.4
|
65.0
|
153
|
9,661,250
|
101,420
|
6,561,831,944
|
228
|
14,853,289
|
45-49
|
64.6
|
8.9
|
66.2
|
52
|
3,037,500
|
11,973
|
691,160,620
|
81
|
4,590,594
|
50-54
|
50.0
|
8.4
|
52.0
|
35
|
1,845,000
|
7,300
|
373,758,721
|
70
|
3,547,130
|
55-59
|
47.7
|
9.7
|
66.5
|
24
|
1,385,000
|
3,656
|
153,335,647
|
50
|
2,083,539
|
60-64
|
56.7
|
18.9
|
48.3
|
9
|
287,000
|
888
|
33,274,006
|
16
|
594,426
|
65+
|
86.6
|
61.2
|
106.9
|
2
|
110,000
|
103
|
4,513,959
|
2
|
102,928
|
Total
|
61.5
|
3.7
|
63.3
|
275
|
16,325,750
|
125,340
|
7,817,874,897
|
447
|
25,771,905
|
By Attained Age
|
20-44
|
65.8
|
6.1
|
62.8
|
118
|
7,491,250
|
92,389
|
6,015,532,100
|
179
|
11,919,866
|
45-49
|
57.1
|
8.5
|
64.0
|
45
|
3,015,000
|
14,637
|
881,189,733
|
79
|
4,710,008
|
50-54
|
67.5
|
9.3
|
63.4
|
53
|
2,725,000
|
9,977
|
547,268,449
|
79
|
4,297,936
|
55-59
|
55.5
|
9.5
|
55.8
|
34
|
1,567,500
|
5,394
|
250,023,844
|
61
|
2,807,883
|
60-64
|
45.0
|
10.9
|
70.9
|
17
|
1,090,000
|
2,405
|
99,628,969
|
38
|
1,537,128
|
65+
|
71.8
|
25.4
|
87.6
|
8
|
437,000
|
538
|
24,231,802
|
11
|
499,085
|
Total
|
61.5
|
3.7
|
63.3
|
275
|
16,325,750
|
125,340
|
7,817,874,897
|
447
|
25,771,905
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 9.1
TOTAL EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
50.1
|
2.4
|
53.6
|
454
|
39,379,868
|
208,950
|
17,992,119,002
|
905
|
73,408,982
|
2007
|
56.4
|
2.3
|
62.7
|
607
|
55,079,901
|
239,005
|
20,719,905,965
|
1,076
|
87,864,512
|
2008
|
53.7
|
2.1
|
55.7
|
670
|
57,221,885
|
265,397
|
23,341,820,552
|
1,249
|
102,741,937
|
2009
|
55.1
|
2.0
|
55.2
|
788
|
65,417,457
|
293,975
|
25,956,982,231
|
1,429
|
118,506,096
|
2010
|
51.6
|
1.8
|
51.0
|
832
|
68,799,054
|
321,471
|
28,433,495,842
|
1,614
|
134,850,224
|
Total
|
53.4
|
0.9
|
55.3
|
3,350
|
285,898,165
|
1,328,799
|
116,444,323,591
|
6,273
|
517,371,751
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 9.2
MALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
48.8
|
3.2
|
53.5
|
228
|
22,996,510
|
102,559
|
9,902,203,705
|
468
|
43,019,395
|
2007
|
55.4
|
3.2
|
60.6
|
309
|
31,245,783
|
117,144
|
11,380,118,562
|
557
|
51,554,761
|
2008
|
50.3
|
2.8
|
49.4
|
326
|
29,824,928
|
129,707
|
12,827,449,228
|
647
|
60,315,802
|
2009
|
52.8
|
2.7
|
51.9
|
391
|
36,253,193
|
142,884
|
14,237,195,708
|
741
|
69,802,421
|
2010
|
47.5
|
2.4
|
48.5
|
398
|
38,603,287
|
155,248
|
15,534,097,988
|
838
|
79,612,460
|
Total
|
50.8
|
1.3
|
52.2
|
1,653
|
158,923,701
|
647,542
|
63,881,065,191
|
3,251
|
304,304,839
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 9.3
FEMALE EXPERIENCE -- POLICY YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Study Year
|
2006
|
51.5
|
3.4
|
53.9
|
225
|
16,383,358
|
106,391
|
8,089,915,297
|
437
|
30,389,587
|
2007
|
57.3
|
3.3
|
65.6
|
298
|
23,834,118
|
121,861
|
9,339,787,403
|
519
|
36,309,751
|
2008
|
57.3
|
3.1
|
64.6
|
344
|
27,396,957
|
135,690
|
10,514,371,324
|
601
|
42,426,135
|
2009
|
57.7
|
2.9
|
59.9
|
397
|
29,164,264
|
151,091
|
11,719,786,523
|
688
|
48,703,675
|
2010
|
55.9
|
2.7
|
54.7
|
434
|
30,195,767
|
166,224
|
12,899,397,853
|
776
|
55,237,765
|
Total
|
56.2
|
1.4
|
59.6
|
1,698
|
126,974,464
|
681,257
|
52,563,258,400
|
3,021
|
213,066,912
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.1
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
27.6
|
4.4
|
27.6
|
39
|
3,667,100
|
30,599
|
3,373,533,568
|
143
|
13,284,932
|
2
|
40.1
|
5.5
|
40.2
|
52
|
5,261,500
|
24,281
|
2,892,448,526
|
130
|
13,092,533
|
3
|
50.9
|
6.4
|
83.7
|
62
|
10,202,344
|
20,094
|
2,421,270,637
|
123
|
12,188,049
|
4
|
55.2
|
6.7
|
61.5
|
67
|
6,805,000
|
18,188
|
2,080,937,629
|
122
|
11,070,365
|
5
|
50.3
|
6.5
|
54.5
|
60
|
5,535,000
|
16,297
|
1,774,052,796
|
119
|
10,161,562
|
6
|
41.5
|
6.2
|
39.7
|
45
|
3,467,491
|
13,341
|
1,392,095,905
|
108
|
8,732,612
|
7+
|
57.2
|
4.8
|
61.1
|
143
|
11,511,197
|
24,560
|
2,333,348,776
|
250
|
18,841,383
|
Total
|
47.1
|
2.2
|
53.2
|
469
|
46,449,632
|
147,361
|
16,267,687,836
|
995
|
87,371,436
|
By Issue Age
|
20-24
|
69.4
|
40.1
|
43.9
|
3
|
210,000
|
5,543
|
610,687,981
|
4
|
478,531
|
25-29
|
67.0
|
21.2
|
72.7
|
10
|
1,240,000
|
13,188
|
1,508,977,712
|
15
|
1,706,367
|
30-34
|
58.4
|
13.4
|
55.3
|
19
|
2,300,000
|
18,774
|
2,431,057,321
|
33
|
4,158,384
|
35-39
|
55.4
|
9.5
|
73.1
|
34
|
5,950,000
|
22,050
|
2,993,206,231
|
61
|
8,138,579
|
40-44
|
54.2
|
6.8
|
52.5
|
64
|
8,179,354
|
25,419
|
3,463,081,295
|
118
|
15,567,307
|
45-49
|
51.2
|
5.3
|
54.6
|
92
|
10,872,081
|
23,681
|
2,686,389,690
|
181
|
19,907,443
|
50-54
|
42.8
|
3.9
|
39.6
|
122
|
8,208,697
|
23,489
|
1,724,098,747
|
286
|
20,743,035
|
55-59
|
45.4
|
4.7
|
54.2
|
91
|
6,549,500
|
11,387
|
674,255,871
|
201
|
12,085,549
|
60-64
|
36.1
|
6.7
|
68.5
|
29
|
2,720,000
|
3,335
|
157,190,864
|
80
|
3,969,842
|
65+
|
25.5
|
12.8
|
35.7
|
4
|
220,000
|
495
|
18,742,124
|
16
|
616,400
|
Total
|
47.1
|
2.2
|
53.2
|
469
|
46,449,632
|
147,361
|
16,267,687,836
|
995
|
87,371,436
|
By Attained Age
|
20-24
|
51.7
|
51.7
|
49.3
|
1
|
100,000
|
2,883
|
301,358,022
|
2
|
202,644
|
25-29
|
67.0
|
27.4
|
87.9
|
6
|
850,000
|
9,557
|
1,046,558,846
|
9
|
966,940
|
30-34
|
79.9
|
19.4
|
56.8
|
17
|
1,475,000
|
15,478
|
1,918,632,887
|
21
|
2,595,324
|
35-39
|
20.2
|
7.2
|
25.4
|
8
|
1,325,000
|
19,216
|
2,582,359,495
|
40
|
5,210,980
|
40-44
|
64.5
|
9.2
|
76.9
|
49
|
8,279,354
|
22,903
|
3,277,587,024
|
76
|
10,771,039
|
45-49
|
52.2
|
6.3
|
54.9
|
68
|
9,194,590
|
23,910
|
3,077,971,065
|
131
|
16,752,573
|
50-54
|
46.5
|
4.7
|
45.9
|
98
|
9,135,991
|
23,366
|
2,217,272,260
|
210
|
19,910,548
|
55-59
|
42.6
|
4.0
|
46.0
|
110
|
8,275,697
|
18,679
|
1,266,129,358
|
259
|
17,995,171
|
60-64
|
46.7
|
5.2
|
60.4
|
81
|
5,883,000
|
8,678
|
466,607,460
|
173
|
9,733,287
|
65+
|
41.7
|
7.5
|
59.7
|
31
|
1,931,000
|
2,691
|
113,211,419
|
74
|
3,232,929
|
Total
|
47.1
|
2.2
|
53.2
|
469
|
46,449,632
|
147,361
|
16,267,687,836
|
995
|
87,371,436
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.2
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
Total
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
By Issue Age
|
20+
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
Total
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
By Attained Age
|
20+
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
Total
|
53.0
|
3.2
|
55.3
|
267
|
26,341,821
|
96,541
|
9,294,134,646
|
504
|
47,626,260
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.3
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
26.2
|
3.2
|
26.8
|
68
|
4,097,500
|
104,033
|
7,153,993,886
|
257
|
15,317,089
|
2
|
55.9
|
4.7
|
61.0
|
143
|
9,328,889
|
95,334
|
6,566,453,488
|
256
|
15,300,965
|
3
|
58.7
|
4.9
|
59.2
|
145
|
8,626,224
|
85,119
|
5,776,511,153
|
246
|
14,566,481
|
4
|
63.7
|
5.3
|
69.3
|
147
|
9,155,968
|
75,790
|
4,998,081,600
|
231
|
13,220,884
|
5
|
52.1
|
5.0
|
51.8
|
107
|
5,934,727
|
62,366
|
3,991,996,668
|
206
|
11,461,544
|
6
|
67.8
|
6.1
|
72.6
|
122
|
7,219,000
|
49,064
|
3,077,032,046
|
180
|
9,945,463
|
7+
|
63.3
|
4.5
|
65.6
|
196
|
11,282,668
|
67,566
|
4,173,609,188
|
310
|
17,204,262
|
Total
|
55.0
|
1.8
|
57.4
|
928
|
55,644,976
|
539,272
|
35,737,678,029
|
1,687
|
97,016,690
|
By Issue Age
|
20-39
|
56.4
|
3.0
|
57.3
|
360
|
26,029,370
|
383,189
|
27,479,713,372
|
639
|
45,407,086
|
40-44
|
53.4
|
3.9
|
53.5
|
183
|
10,667,043
|
77,422
|
4,619,152,732
|
343
|
19,946,242
|
45-49
|
56.3
|
3.8
|
61.6
|
217
|
11,488,713
|
53,338
|
2,605,850,536
|
385
|
18,645,388
|
50-54
|
56.9
|
5.3
|
62.9
|
114
|
5,500,000
|
18,448
|
800,674,046
|
199
|
8,738,582
|
55+
|
45.2
|
6.1
|
45.8
|
54
|
1,959,850
|
6,875
|
232,287,344
|
120
|
4,279,392
|
Total
|
55.0
|
1.8
|
57.4
|
928
|
55,644,976
|
539,272
|
35,737,678,029
|
1,687
|
97,016,690
|
By Attained Age
|
20-44
|
55.2
|
2.7
|
56.1
|
417
|
29,595,913
|
418,330
|
29,720,832,610
|
756
|
52,735,244
|
45-49
|
51.5
|
3.8
|
55.1
|
186
|
10,649,100
|
66,766
|
3,617,132,216
|
360
|
19,328,714
|
50-54
|
56.7
|
4.2
|
58.5
|
185
|
8,811,768
|
37,912
|
1,752,592,370
|
326
|
15,074,245
|
55-59
|
62.5
|
6.1
|
72.3
|
105
|
5,089,595
|
12,548
|
516,537,989
|
169
|
7,039,938
|
60-64
|
45.0
|
8.3
|
53.9
|
29
|
1,188,600
|
3,314
|
111,356,786
|
65
|
2,203,419
|
65+
|
52.1
|
21.3
|
48.8
|
6
|
310,000
|
401
|
19,226,058
|
12
|
635,130
|
Total
|
55.0
|
1.8
|
57.4
|
928
|
55,644,976
|
539,272
|
35,737,678,029
|
1,687
|
97,016,690
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.4
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
Total
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
By Issue Age
|
20+
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
Total
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
By Attained Age
|
20+
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
Total
|
52.7
|
4.5
|
48.6
|
135
|
14,224,085
|
45,110
|
5,245,284,068
|
256
|
29,240,660
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.5
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-2
|
41.9
|
4.3
|
39.7
|
95
|
5,771,750
|
93,061
|
6,840,882,069
|
228
|
14,529,862
|
3
|
61.8
|
7.4
|
62.9
|
69
|
4,477,524
|
40,076
|
2,904,438,175
|
112
|
7,119,411
|
4
|
56.3
|
7.3
|
61.8
|
59
|
3,963,608
|
35,603
|
2,493,534,563
|
105
|
6,411,068
|
5
|
46.0
|
7.0
|
41.2
|
43
|
2,275,000
|
29,110
|
1,980,882,765
|
94
|
5,520,513
|
6
|
54.5
|
8.1
|
67.6
|
45
|
3,254,000
|
22,794
|
1,521,606,145
|
83
|
4,812,252
|
7+
|
60.9
|
6.4
|
69.2
|
91
|
6,157,345
|
31,671
|
2,106,642,687
|
150
|
8,901,224
|
Total
|
52.3
|
2.6
|
54.8
|
403
|
25,899,227
|
252,316
|
17,847,986,404
|
771
|
47,294,331
|
By Issue Age
|
20-39
|
53.5
|
4.5
|
57.4
|
141
|
11,510,773
|
180,787
|
13,675,772,438
|
264
|
20,047,914
|
40-44
|
49.1
|
5.6
|
47.1
|
76
|
4,645,543
|
36,205
|
2,362,253,637
|
155
|
9,873,422
|
45-49
|
55.9
|
5.5
|
63.0
|
104
|
6,188,800
|
24,360
|
1,299,938,561
|
187
|
9,822,752
|
50-54
|
59.9
|
7.7
|
56.5
|
61
|
2,787,861
|
8,140
|
395,058,210
|
102
|
4,930,461
|
55-59
|
30.8
|
7.7
|
22.7
|
16
|
456,250
|
2,493
|
97,407,930
|
52
|
2,005,760
|
60+
|
38.4
|
19.2
|
50.5
|
4
|
310,000
|
331
|
17,555,629
|
10
|
614,022
|
Total
|
52.3
|
2.6
|
54.8
|
403
|
25,899,227
|
252,316
|
17,847,986,404
|
771
|
47,294,331
|
By Attained Age
|
20-44
|
51.2
|
4.0
|
53.6
|
161
|
12,632,316
|
197,570
|
14,841,395,843
|
315
|
23,549,155
|
45-49
|
50.6
|
5.5
|
55.3
|
84
|
5,341,000
|
30,650
|
1,814,556,314
|
165
|
9,665,865
|
50-54
|
58.2
|
6.0
|
62.0
|
94
|
5,068,816
|
17,169
|
871,583,243
|
162
|
8,173,527
|
55-59
|
54.5
|
7.9
|
51.5
|
48
|
2,137,095
|
5,403
|
257,002,725
|
88
|
4,150,975
|
60-64
|
38.5
|
10.7
|
39.7
|
13
|
510,000
|
1,349
|
51,772,462
|
34
|
1,283,163
|
65+
|
45.1
|
26.0
|
44.5
|
3
|
210,000
|
175
|
11,675,818
|
7
|
471,645
|
Total
|
52.3
|
2.6
|
54.8
|
403
|
25,899,227
|
252,316
|
17,847,986,404
|
771
|
47,294,331
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.6
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.8
|
5.5
|
24.7
|
17
|
2,023,500
|
15,557
|
2,043,695,502
|
76
|
8,202,256
|
2
|
37.2
|
7.3
|
40.4
|
26
|
3,336,500
|
12,626
|
1,777,627,485
|
70
|
8,262,382
|
3
|
53.9
|
9.0
|
93.1
|
36
|
7,181,854
|
10,642
|
1,497,631,984
|
67
|
7,717,075
|
4
|
58.9
|
9.4
|
61.3
|
39
|
4,230,000
|
9,538
|
1,263,058,257
|
66
|
6,898,868
|
5
|
48.5
|
8.6
|
52.7
|
32
|
3,340,000
|
8,499
|
1,066,897,937
|
66
|
6,339,463
|
6
|
31.9
|
7.3
|
23.1
|
19
|
1,260,000
|
6,878
|
829,782,427
|
60
|
5,448,879
|
7+
|
57.6
|
6.4
|
63.9
|
82
|
7,636,500
|
12,763
|
1,384,095,994
|
142
|
11,945,720
|
Total
|
46.0
|
2.9
|
52.9
|
252
|
29,008,354
|
76,503
|
9,862,789,586
|
547
|
54,814,642
|
By Issue Age
|
20-24
|
52.8
|
52.8
|
44.5
|
1
|
100,000
|
2,664
|
313,738,091
|
2
|
224,542
|
25-29
|
92.1
|
37.6
|
113.6
|
6
|
950,000
|
6,497
|
828,418,745
|
7
|
836,299
|
30-34
|
58.4
|
19.5
|
54.7
|
9
|
1,250,000
|
10,058
|
1,489,314,455
|
15
|
2,285,962
|
35-39
|
54.4
|
13.2
|
83.1
|
17
|
3,930,000
|
12,226
|
1,885,068,423
|
31
|
4,730,269
|
40-44
|
44.4
|
8.2
|
48.1
|
29
|
4,769,354
|
14,355
|
2,254,353,737
|
66
|
9,913,501
|
45-49
|
43.1
|
6.5
|
41.6
|
44
|
5,309,000
|
12,676
|
1,656,840,178
|
102
|
12,766,871
|
50-54
|
47.2
|
5.4
|
40.6
|
76
|
5,346,500
|
11,348
|
968,520,940
|
161
|
13,182,044
|
55-59
|
45.3
|
6.3
|
62.0
|
51
|
4,883,500
|
5,141
|
371,054,684
|
113
|
7,875,501
|
60-64
|
41.0
|
9.9
|
91.1
|
17
|
2,370,000
|
1,330
|
85,447,547
|
41
|
2,601,525
|
65+
|
11.9
|
11.9
|
25.1
|
1
|
100,000
|
208
|
10,032,787
|
8
|
398,127
|
Total
|
46.0
|
2.9
|
52.9
|
252
|
29,008,354
|
76,503
|
9,862,789,586
|
547
|
54,814,642
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,339
|
151,388,363
|
1
|
96,321
|
25-29
|
106.3
|
53.2
|
164.1
|
4
|
750,000
|
4,559
|
554,015,496
|
4
|
456,925
|
30-34
|
62.4
|
25.5
|
34.8
|
6
|
475,000
|
7,997
|
1,130,846,456
|
10
|
1,365,785
|
35-39
|
15.9
|
9.2
|
21.5
|
3
|
625,000
|
10,463
|
1,613,294,481
|
19
|
2,911,774
|
40-44
|
80.0
|
14.1
|
103.2
|
32
|
6,759,354
|
12,991
|
2,111,290,665
|
40
|
6,546,899
|
45-49
|
32.7
|
6.7
|
33.8
|
24
|
3,649,000
|
13,491
|
1,987,746,996
|
74
|
10,801,766
|
50-54
|
41.5
|
6.0
|
39.3
|
48
|
4,926,000
|
11,838
|
1,296,502,085
|
116
|
12,524,849
|
55-59
|
49.3
|
5.8
|
50.2
|
72
|
5,810,000
|
8,844
|
701,786,104
|
147
|
11,579,062
|
60-64
|
43.8
|
6.7
|
68.7
|
43
|
4,468,000
|
3,882
|
258,830,440
|
98
|
6,507,869
|
65+
|
48.1
|
11.0
|
76.4
|
19
|
1,546,000
|
1,098
|
57,088,499
|
39
|
2,023,393
|
Total
|
46.0
|
2.9
|
52.9
|
252
|
29,008,354
|
76,503
|
9,862,789,586
|
547
|
54,814,642
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.7
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
53.2
|
4.6
|
65.9
|
132
|
12,117,736
|
51,431
|
4,048,850,578
|
249
|
18,385,600
|
Total
|
53.2
|
4.6
|
65.9
|
132
|
12,117,736
|
51,431
|
4,048,850,578
|
249
|
18,385,600
|
By Issue Age
|
20-44
|
66.0
|
8.2
|
81.0
|
64
|
6,735,000
|
35,221
|
2,948,925,466
|
97
|
8,319,078
|
45-49
|
57.2
|
9.9
|
64.4
|
33
|
2,864,200
|
8,401
|
630,103,604
|
58
|
4,448,605
|
50+
|
37.4
|
6.3
|
44.8
|
35
|
2,518,536
|
7,810
|
469,821,509
|
94
|
5,617,917
|
Total
|
53.2
|
4.6
|
65.9
|
132
|
12,117,736
|
51,431
|
4,048,850,578
|
249
|
18,385,600
|
By Attained Age
|
20-59
|
54.7
|
5.0
|
66.5
|
118
|
10,957,736
|
49,564
|
3,937,886,251
|
216
|
16,484,821
|
60-64
|
53.1
|
15.3
|
78.9
|
12
|
1,125,000
|
1,415
|
89,482,120
|
23
|
1,425,841
|
65+
|
20.0
|
14.2
|
7.4
|
2
|
35,000
|
453
|
21,482,207
|
10
|
474,938
|
Total
|
53.2
|
4.6
|
65.9
|
132
|
12,117,736
|
51,431
|
4,048,850,578
|
249
|
18,385,600
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.8
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
23.7
|
4.0
|
27.1
|
34
|
2,207,500
|
55,732
|
3,607,331,491
|
145
|
8,160,701
|
2
|
57.6
|
6.4
|
68.7
|
81
|
5,447,139
|
50,574
|
3,272,233,814
|
141
|
7,927,492
|
3
|
56.2
|
6.5
|
55.7
|
75
|
4,148,700
|
45,043
|
2,872,072,978
|
134
|
7,447,071
|
4
|
70.0
|
7.5
|
76.2
|
88
|
5,192,360
|
40,187
|
2,504,547,037
|
126
|
6,809,816
|
5
|
57.2
|
7.1
|
61.6
|
64
|
3,659,727
|
33,257
|
2,011,113,903
|
112
|
5,941,031
|
6
|
79.1
|
9.0
|
77.2
|
77
|
3,965,000
|
26,270
|
1,555,425,901
|
98
|
5,133,211
|
7+
|
65.4
|
6.4
|
61.7
|
105
|
5,125,323
|
35,895
|
2,066,966,501
|
160
|
8,303,038
|
Total
|
57.3
|
2.5
|
59.8
|
525
|
29,745,749
|
286,957
|
17,889,691,625
|
916
|
49,722,359
|
By Issue Age
|
20-39
|
58.5
|
3.9
|
57.3
|
219
|
14,518,597
|
202,402
|
13,803,940,934
|
375
|
25,359,172
|
40-44
|
57.0
|
5.5
|
59.8
|
107
|
6,021,500
|
41,217
|
2,256,899,095
|
188
|
10,072,820
|
45-49
|
56.8
|
5.4
|
60.1
|
112
|
5,299,913
|
28,978
|
1,305,911,974
|
198
|
8,822,636
|
50+
|
55.9
|
6.0
|
71.4
|
87
|
3,905,739
|
14,360
|
522,939,621
|
155
|
5,467,731
|
Total
|
57.3
|
2.5
|
59.8
|
525
|
29,745,749
|
286,957
|
17,889,691,625
|
916
|
49,722,359
|
By Attained Age
|
20-44
|
58.1
|
3.6
|
58.1
|
256
|
16,963,597
|
220,760
|
14,879,436,768
|
441
|
29,186,089
|
45-49
|
52.3
|
5.2
|
54.9
|
102
|
5,308,100
|
36,116
|
1,802,575,902
|
195
|
9,662,848
|
50-54
|
55.3
|
5.8
|
54.2
|
90
|
3,742,952
|
20,743
|
881,009,127
|
163
|
6,900,718
|
55-59
|
71.1
|
9.4
|
102.2
|
57
|
2,952,500
|
7,145
|
259,535,264
|
81
|
2,888,963
|
60+
|
53.5
|
12.2
|
71.8
|
19
|
778,600
|
2,192
|
67,134,564
|
36
|
1,083,741
|
Total
|
57.3
|
2.5
|
59.8
|
525
|
29,745,749
|
286,957
|
17,889,691,625
|
916
|
49,722,359
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.9
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
32.9
|
7.0
|
32.3
|
22
|
1,643,600
|
15,042
|
1,329,838,066
|
67
|
5,082,676
|
2
|
43.4
|
8.5
|
39.9
|
26
|
1,925,000
|
11,656
|
1,114,821,040
|
60
|
4,830,152
|
3
|
47.3
|
9.2
|
67.6
|
26
|
3,020,490
|
9,452
|
923,638,653
|
56
|
4,470,975
|
4
|
50.8
|
9.6
|
61.7
|
28
|
2,575,000
|
8,650
|
817,879,372
|
55
|
4,171,496
|
5
|
52.5
|
9.9
|
57.4
|
28
|
2,195,000
|
7,798
|
707,154,859
|
53
|
3,822,099
|
6
|
53.3
|
10.5
|
67.2
|
26
|
2,207,491
|
6,463
|
562,313,478
|
49
|
3,283,733
|
7+
|
56.6
|
7.2
|
56.2
|
61
|
3,874,697
|
11,797
|
949,252,782
|
108
|
6,895,663
|
Total
|
48.5
|
3.3
|
53.6
|
218
|
17,441,278
|
70,858
|
6,404,898,250
|
448
|
32,556,794
|
By Issue Age
|
20-24
|
82.3
|
58.2
|
43.3
|
2
|
110,000
|
2,879
|
296,949,891
|
2
|
253,989
|
25-29
|
47.5
|
23.7
|
33.3
|
4
|
290,000
|
6,690
|
680,558,968
|
8
|
870,067
|
30-34
|
58.4
|
18.5
|
56.1
|
10
|
1,050,000
|
8,717
|
941,742,866
|
17
|
1,872,422
|
35-39
|
56.5
|
13.7
|
59.3
|
17
|
2,020,000
|
9,823
|
1,108,137,807
|
30
|
3,408,310
|
40-44
|
66.4
|
11.2
|
60.3
|
35
|
3,410,000
|
11,065
|
1,208,727,558
|
53
|
5,653,806
|
45-49
|
61.8
|
8.9
|
77.9
|
48
|
5,563,081
|
11,005
|
1,029,549,512
|
78
|
7,140,572
|
50-54
|
37.0
|
5.4
|
37.9
|
46
|
2,862,197
|
12,141
|
755,577,806
|
125
|
7,560,990
|
55-59
|
45.4
|
7.2
|
39.6
|
40
|
1,666,000
|
6,246
|
303,201,187
|
89
|
4,210,048
|
60-64
|
30.9
|
8.9
|
25.6
|
12
|
350,000
|
2,005
|
71,743,318
|
39
|
1,368,317
|
65+
|
41.4
|
23.9
|
55.0
|
3
|
120,000
|
287
|
8,709,337
|
7
|
218,273
|
Total
|
48.5
|
3.3
|
53.6
|
218
|
17,441,278
|
70,858
|
6,404,898,250
|
448
|
32,556,794
|
By Attained Age
|
20-24
|
91.8
|
91.8
|
94.1
|
1
|
100,000
|
1,544
|
149,969,659
|
1
|
106,323
|
25-29
|
38.5
|
27.3
|
19.6
|
2
|
100,000
|
4,998
|
492,543,350
|
5
|
510,015
|
30-34
|
94.3
|
28.4
|
81.3
|
11
|
1,000,000
|
7,481
|
787,786,432
|
12
|
1,229,539
|
35-39
|
24.1
|
10.8
|
30.4
|
5
|
700,000
|
8,753
|
969,065,014
|
21
|
2,299,206
|
40-44
|
47.3
|
11.5
|
36.0
|
17
|
1,520,000
|
9,912
|
1,166,296,358
|
36
|
4,224,140
|
45-49
|
77.3
|
11.6
|
93.2
|
44
|
5,545,590
|
10,419
|
1,090,224,069
|
57
|
5,950,808
|
50-54
|
52.7
|
7.5
|
57.0
|
49
|
4,209,991
|
11,528
|
920,770,175
|
93
|
7,385,699
|
55-59
|
33.8
|
5.5
|
38.4
|
38
|
2,465,697
|
9,836
|
564,343,254
|
113
|
6,416,110
|
60-64
|
50.4
|
8.2
|
43.9
|
38
|
1,415,000
|
4,795
|
207,777,020
|
75
|
3,225,418
|
65+
|
34.4
|
9.9
|
31.8
|
12
|
385,000
|
1,593
|
56,122,919
|
35
|
1,209,536
|
Total
|
48.5
|
3.3
|
53.6
|
218
|
17,441,278
|
70,858
|
6,404,898,250
|
448
|
32,556,794
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.10
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
58.8
|
13.4
|
48.5
|
19
|
720,000
|
15,047
|
839,525,130
|
32
|
1,485,338
|
2
|
76.9
|
15.7
|
77.9
|
24
|
1,105,000
|
13,277
|
732,607,537
|
31
|
1,417,977
|
3
|
83.0
|
16.9
|
91.8
|
24
|
1,205,000
|
11,559
|
626,162,104
|
29
|
1,312,266
|
4
|
82.6
|
17.6
|
111.9
|
22
|
1,282,870
|
9,987
|
519,002,458
|
27
|
1,146,938
|
5
|
56.2
|
15.6
|
73.4
|
13
|
715,000
|
8,087
|
407,799,647
|
23
|
973,776
|
6
|
113.0
|
24.1
|
108.2
|
22
|
885,000
|
6,167
|
300,365,736
|
19
|
817,688
|
7+
|
95.2
|
17.1
|
95.2
|
31
|
1,305,000
|
8,198
|
384,920,278
|
33
|
1,371,483
|
Total
|
79.8
|
6.4
|
84.7
|
155
|
7,217,870
|
72,323
|
3,810,382,889
|
195
|
8,525,465
|
By Issue Age
|
20-39
|
76.0
|
9.6
|
74.8
|
63
|
3,449,870
|
54,515
|
3,143,455,735
|
83
|
4,615,119
|
40-44
|
88.5
|
14.8
|
95.8
|
36
|
1,630,000
|
9,308
|
398,037,018
|
41
|
1,702,316
|
45-49
|
85.0
|
13.9
|
118.5
|
37
|
1,703,000
|
6,181
|
204,254,333
|
44
|
1,437,238
|
50+
|
69.8
|
16.0
|
56.4
|
19
|
435,000
|
2,319
|
64,635,803
|
27
|
770,792
|
Total
|
79.8
|
6.4
|
84.7
|
155
|
7,217,870
|
72,323
|
3,810,382,889
|
195
|
8,525,465
|
By Attained Age
|
20-44
|
71.7
|
8.6
|
69.7
|
70
|
3,674,870
|
58,961
|
3,343,744,120
|
98
|
5,269,426
|
45-49
|
103.9
|
15.6
|
142.8
|
44
|
2,263,000
|
7,891
|
298,850,185
|
43
|
1,585,094
|
50-54
|
71.7
|
14.1
|
76.7
|
26
|
875,000
|
4,229
|
132,880,287
|
36
|
1,141,096
|
55-59
|
96.8
|
26.7
|
96.0
|
13
|
370,000
|
1,008
|
28,179,358
|
14
|
385,412
|
60-64
|
48.1
|
34.0
|
27.6
|
2
|
35,000
|
211
|
6,028,816
|
4
|
126,715
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
22
|
700,123
|
1
|
17,722
|
Total
|
79.8
|
6.4
|
84.7
|
155
|
7,217,870
|
72,323
|
3,810,382,889
|
195
|
8,525,465
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.11
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
54.2
|
24.0
|
129.2
|
5
|
876,000
|
2,427
|
212,285,868
|
9
|
677,913
|
2
|
60.8
|
27.2
|
89.1
|
5
|
560,000
|
1,783
|
169,243,544
|
8
|
628,770
|
3
|
90.1
|
34.1
|
49.7
|
7
|
285,000
|
1,428
|
133,866,564
|
8
|
572,912
|
4
|
49.9
|
25.0
|
40.7
|
4
|
220,000
|
1,316
|
117,243,260
|
8
|
540,480
|
5
|
115.1
|
38.4
|
165.0
|
9
|
790,000
|
1,145
|
96,943,537
|
8
|
478,923
|
6
|
74.9
|
33.5
|
66.9
|
5
|
260,000
|
898
|
74,591,570
|
7
|
388,890
|
7+
|
77.1
|
24.4
|
87.0
|
10
|
630,000
|
1,500
|
117,991,293
|
13
|
723,801
|
Total
|
74.1
|
11.0
|
90.3
|
45
|
3,621,000
|
10,498
|
922,165,636
|
61
|
4,011,689
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
635
|
57,473,621
|
0
|
45,633
|
25-29
|
150.0
|
106.0
|
100.8
|
2
|
140,000
|
1,224
|
128,285,196
|
1
|
138,914
|
30-34
|
80.8
|
57.1
|
216.5
|
2
|
550,000
|
1,518
|
155,315,858
|
2
|
254,025
|
35-39
|
117.4
|
52.5
|
115.2
|
5
|
500,000
|
1,592
|
162,033,473
|
4
|
434,215
|
40-44
|
38.1
|
22.0
|
68.1
|
3
|
550,000
|
1,717
|
184,863,334
|
8
|
807,846
|
45-49
|
96.2
|
30.4
|
115.8
|
10
|
1,115,000
|
1,412
|
133,763,975
|
10
|
963,085
|
50-54
|
43.8
|
15.4
|
40.2
|
8
|
321,000
|
1,573
|
69,944,609
|
19
|
797,791
|
55-59
|
90.6
|
28.6
|
70.8
|
10
|
310,000
|
644
|
25,304,078
|
11
|
437,602
|
60+
|
111.4
|
49.8
|
101.8
|
5
|
135,000
|
182
|
5,181,492
|
4
|
132,578
|
Total
|
74.1
|
11.0
|
90.3
|
45
|
3,621,000
|
10,498
|
922,165,636
|
61
|
4,011,689
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
329
|
25,413,876
|
0
|
16,850
|
25-29
|
111.2
|
111.2
|
97.9
|
1
|
90,000
|
993
|
103,583,400
|
1
|
91,936
|
30-34
|
113.4
|
80.2
|
114.5
|
2
|
200,000
|
1,321
|
131,489,624
|
2
|
174,735
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,460
|
150,972,187
|
3
|
293,107
|
40-44
|
133.9
|
50.6
|
198.3
|
7
|
1,150,000
|
1,601
|
178,186,681
|
5
|
580,059
|
45-49
|
81.4
|
30.8
|
130.5
|
7
|
1,175,000
|
1,581
|
166,294,597
|
9
|
900,069
|
50-54
|
43.5
|
17.6
|
28.5
|
6
|
261,000
|
1,542
|
102,186,515
|
14
|
916,573
|
55-59
|
65.6
|
20.7
|
69.4
|
10
|
460,000
|
1,101
|
46,716,148
|
15
|
662,692
|
60-64
|
116.0
|
36.7
|
71.1
|
10
|
200,000
|
445
|
14,167,190
|
9
|
281,153
|
65+
|
58.6
|
41.4
|
89.9
|
2
|
85,000
|
126
|
3,155,419
|
3
|
94,515
|
Total
|
74.1
|
11.0
|
90.3
|
45
|
3,621,000
|
10,498
|
922,165,636
|
61
|
4,011,689
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.12
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-3
|
93.1
|
14.0
|
86.3
|
44
|
2,046,000
|
22,281
|
1,334,483,066
|
47
|
2,371,400
|
4
|
90.5
|
26.1
|
154.0
|
12
|
960,000
|
5,400
|
305,082,309
|
13
|
623,379
|
5
|
34.9
|
17.4
|
49.3
|
4
|
260,000
|
4,328
|
238,794,904
|
11
|
526,980
|
6
|
83.0
|
29.4
|
89.0
|
8
|
400,000
|
3,252
|
174,978,189
|
10
|
449,672
|
7+
|
88.0
|
22.7
|
93.6
|
15
|
760,000
|
4,304
|
226,899,968
|
17
|
812,283
|
Total
|
84.1
|
9.2
|
92.5
|
83
|
4,426,000
|
39,565
|
2,280,238,436
|
99
|
4,783,713
|
By Issue Age
|
20-44
|
91.3
|
12.2
|
96.2
|
56
|
3,335,000
|
35,428
|
2,131,386,527
|
61
|
3,468,186
|
45-49
|
74.2
|
18.0
|
97.9
|
17
|
831,000
|
3,074
|
114,758,776
|
23
|
849,135
|
50-54
|
66.5
|
25.2
|
62.6
|
7
|
205,000
|
877
|
27,968,464
|
11
|
327,694
|
55+
|
77.5
|
44.0
|
39.7
|
3
|
55,000
|
186
|
6,124,669
|
4
|
138,698
|
Total
|
84.1
|
9.2
|
92.5
|
83
|
4,426,000
|
39,565
|
2,280,238,436
|
99
|
4,783,713
|
By Attained Age
|
20-49
|
90.7
|
11.4
|
98.3
|
63
|
3,706,000
|
36,943
|
2,188,658,095
|
70
|
3,768,564
|
50-54
|
72.9
|
19.5
|
80.9
|
14
|
540,000
|
2,054
|
71,919,465
|
19
|
667,266
|
55-59
|
68.0
|
30.1
|
62.0
|
5
|
155,000
|
467
|
15,823,144
|
8
|
249,901
|
60-64
|
42.7
|
42.7
|
28.3
|
1
|
25,000
|
94
|
3,542,609
|
2
|
88,411
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
7
|
295,123
|
0
|
9,571
|
Total
|
84.1
|
9.2
|
92.5
|
83
|
4,426,000
|
39,565
|
2,280,238,436
|
99
|
4,783,713
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.13
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
57.1
|
32.5
|
171.7
|
3
|
761,000
|
1,451
|
144,094,468
|
5
|
443,271
|
2
|
40.7
|
28.8
|
73.8
|
2
|
300,000
|
1,081
|
113,400,675
|
5
|
406,243
|
3
|
151.6
|
57.3
|
76.9
|
7
|
285,000
|
865
|
88,736,231
|
5
|
370,763
|
4
|
21.3
|
21.3
|
28.2
|
1
|
100,000
|
789
|
77,599,667
|
5
|
355,004
|
5
|
131.4
|
53.6
|
178.5
|
6
|
575,000
|
685
|
64,889,678
|
5
|
322,061
|
6
|
51.8
|
36.6
|
38.5
|
2
|
100,000
|
532
|
49,999,771
|
4
|
259,804
|
7+
|
68.9
|
30.8
|
118.1
|
5
|
555,000
|
849
|
76,751,069
|
7
|
470,117
|
Total
|
73.9
|
14.5
|
101.9
|
26
|
2,676,000
|
6,250
|
615,471,558
|
35
|
2,627,263
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
340
|
33,088,103
|
0
|
23,779
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
740
|
82,679,767
|
1
|
82,031
|
30-34
|
67.2
|
67.2
|
238.4
|
1
|
400,000
|
997
|
111,684,702
|
1
|
167,785
|
35-39
|
155.0
|
77.5
|
122.9
|
4
|
350,000
|
1,038
|
113,312,785
|
3
|
284,892
|
40-44
|
39.3
|
27.8
|
79.9
|
2
|
450,000
|
1,137
|
132,278,959
|
5
|
563,248
|
45-49
|
89.9
|
36.7
|
132.7
|
6
|
880,000
|
873
|
88,715,967
|
7
|
663,389
|
50-54
|
67.1
|
25.2
|
63.7
|
7
|
311,000
|
791
|
37,831,998
|
11
|
488,308
|
55-59
|
70.6
|
35.3
|
92.6
|
4
|
250,000
|
265
|
13,215,978
|
6
|
269,847
|
60+
|
87.9
|
62.2
|
41.7
|
2
|
35,000
|
69
|
2,663,300
|
2
|
83,985
|
Total
|
73.9
|
14.5
|
101.9
|
26
|
2,676,000
|
6,250
|
615,471,558
|
35
|
2,627,263
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
169
|
14,308,729
|
0
|
8,960
|
25-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
582
|
65,726,593
|
0
|
53,497
|
30-34
|
0.0
|
0.0
|
0.0
|
0
|
0
|
822
|
89,108,308
|
1
|
109,074
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
970
|
108,134,540
|
2
|
191,027
|
40-44
|
182.4
|
74.5
|
259.5
|
6
|
1,000,000
|
1,065
|
124,592,818
|
3
|
385,306
|
45-49
|
70.9
|
35.4
|
145.6
|
4
|
925,000
|
1,041
|
117,720,336
|
6
|
635,135
|
50-54
|
60.1
|
26.6
|
36.0
|
5
|
211,000
|
863
|
60,910,927
|
8
|
585,505
|
55-59
|
82.7
|
31.2
|
93.7
|
7
|
405,000
|
513
|
26,536,831
|
8
|
432,218
|
60-64
|
68.3
|
39.4
|
67.1
|
3
|
110,000
|
178
|
6,766,537
|
4
|
164,013
|
65+
|
56.7
|
56.7
|
40.0
|
1
|
25,000
|
47
|
1,665,939
|
2
|
62,528
|
Total
|
73.9
|
14.5
|
101.9
|
26
|
2,676,000
|
6,250
|
615,471,558
|
35
|
2,627,263
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.14
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.5
|
14.1
|
33.6
|
5
|
220,000
|
6,534
|
325,237,502
|
16
|
653,947
|
2
|
52.7
|
18.6
|
57.6
|
8
|
355,000
|
5,852
|
287,358,479
|
15
|
616,149
|
3
|
70.3
|
22.1
|
71.2
|
10
|
409,000
|
5,215
|
251,215,723
|
14
|
574,085
|
4
|
74.8
|
23.6
|
61.7
|
10
|
322,870
|
4,587
|
213,920,148
|
13
|
523,560
|
5
|
77.1
|
25.7
|
101.8
|
9
|
455,000
|
3,759
|
169,004,744
|
12
|
446,796
|
6
|
142.2
|
38.0
|
131.8
|
14
|
485,000
|
2,915
|
125,387,547
|
10
|
368,015
|
7+
|
103.2
|
25.8
|
97.5
|
16
|
545,000
|
3,894
|
158,020,310
|
15
|
559,200
|
Total
|
75.3
|
8.9
|
74.6
|
72
|
2,791,870
|
32,758
|
1,530,144,453
|
96
|
3,741,752
|
By Issue Age
|
20-29
|
83.4
|
25.1
|
68.3
|
11
|
475,000
|
12,076
|
643,726,769
|
13
|
695,881
|
30-34
|
56.7
|
21.4
|
34.0
|
7
|
217,870
|
6,385
|
335,991,529
|
12
|
641,563
|
35-39
|
73.4
|
21.2
|
72.6
|
12
|
552,000
|
5,507
|
263,175,270
|
16
|
760,560
|
40-44
|
63.9
|
17.7
|
66.6
|
13
|
500,000
|
4,428
|
167,212,659
|
20
|
751,245
|
45-49
|
96.9
|
21.6
|
148.3
|
20
|
872,000
|
3,107
|
89,495,557
|
21
|
588,103
|
50+
|
70.2
|
23.4
|
57.5
|
9
|
175,000
|
1,256
|
30,542,670
|
13
|
304,400
|
Total
|
75.3
|
8.9
|
74.6
|
72
|
2,791,870
|
32,758
|
1,530,144,453
|
96
|
3,741,752
|
By Attained Age
|
20-24
|
69.6
|
69.6
|
33.7
|
1
|
25,000
|
2,055
|
106,384,613
|
1
|
74,242
|
25-34
|
66.2
|
14.8
|
51.6
|
20
|
814,870
|
18,987
|
1,007,740,312
|
30
|
1,580,350
|
40-44
|
63.0
|
19.0
|
61.2
|
11
|
450,000
|
4,905
|
209,648,837
|
17
|
735,564
|
45-49
|
88.9
|
20.3
|
135.4
|
19
|
942,000
|
3,961
|
130,162,447
|
21
|
695,801
|
50-54
|
70.3
|
20.3
|
70.7
|
12
|
335,000
|
2,176
|
60,960,822
|
17
|
473,830
|
55-59
|
132.7
|
46.9
|
158.7
|
8
|
215,000
|
541
|
12,356,215
|
6
|
135,511
|
60-64
|
55.0
|
55.0
|
26.1
|
1
|
10,000
|
117
|
2,486,207
|
2
|
38,304
|
65+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15
|
405,000
|
0
|
8,151
|
Total
|
75.3
|
8.9
|
74.6
|
72
|
2,791,870
|
32,758
|
1,530,144,453
|
96
|
3,741,752
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.15
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- SMOKERS
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
50.2
|
35.5
|
49.0
|
2
|
115,000
|
976
|
68,191,400
|
4
|
234,641
|
2
|
90.6
|
52.3
|
116.8
|
3
|
260,000
|
702
|
55,842,869
|
3
|
222,528
|
3
|
0.0
|
0.0
|
0.0
|
0
|
0
|
563
|
45,130,333
|
3
|
202,149
|
4
|
90.4
|
52.2
|
64.7
|
3
|
120,000
|
527
|
39,643,593
|
3
|
185,476
|
5
|
92.2
|
53.3
|
137.1
|
3
|
215,000
|
461
|
32,053,859
|
3
|
156,862
|
6
|
106.6
|
61.5
|
123.9
|
3
|
160,000
|
367
|
24,591,799
|
3
|
129,086
|
7+
|
87.6
|
39.2
|
29.6
|
5
|
75,000
|
652
|
41,240,224
|
6
|
253,684
|
Total
|
74.4
|
17.1
|
68.3
|
19
|
945,000
|
4,247
|
306,694,078
|
26
|
1,384,426
|
By Issue Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
294
|
24,385,519
|
0
|
21,854
|
25-29
|
334.9
|
236.8
|
246.1
|
2
|
140,000
|
484
|
45,605,429
|
1
|
56,883
|
30-34
|
101.2
|
101.2
|
173.9
|
1
|
150,000
|
522
|
43,631,155
|
1
|
86,240
|
35-39
|
59.5
|
59.5
|
100.5
|
1
|
150,000
|
553
|
48,720,687
|
2
|
149,323
|
40-44
|
35.8
|
35.8
|
40.9
|
1
|
100,000
|
580
|
52,584,376
|
3
|
244,598
|
45-49
|
107.4
|
53.7
|
78.4
|
4
|
235,000
|
540
|
45,048,008
|
4
|
299,697
|
50-54
|
12.6
|
12.6
|
3.2
|
1
|
10,000
|
782
|
32,112,611
|
8
|
309,483
|
55+
|
118.6
|
39.5
|
74.0
|
9
|
160,000
|
493
|
14,606,293
|
8
|
216,349
|
Total
|
74.4
|
17.1
|
68.3
|
19
|
945,000
|
4,247
|
306,694,078
|
26
|
1,384,426
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
161
|
11,105,148
|
0
|
7,890
|
25-29
|
237.6
|
237.6
|
234.1
|
1
|
90,000
|
410
|
37,856,807
|
0
|
38,438
|
30-34
|
259.6
|
183.6
|
304.6
|
2
|
200,000
|
499
|
42,381,316
|
1
|
65,661
|
35-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
490
|
42,837,647
|
1
|
102,080
|
40-44
|
51.6
|
51.6
|
77.0
|
1
|
150,000
|
536
|
53,593,863
|
2
|
194,753
|
45-49
|
101.7
|
58.7
|
94.4
|
3
|
250,000
|
540
|
48,574,260
|
3
|
264,934
|
50-54
|
18.1
|
18.1
|
15.1
|
1
|
50,000
|
678
|
41,275,588
|
6
|
331,068
|
55-59
|
44.2
|
25.5
|
23.9
|
3
|
55,000
|
587
|
20,179,317
|
7
|
230,474
|
60+
|
136.1
|
48.1
|
100.6
|
8
|
150,000
|
346
|
8,890,132
|
6
|
149,127
|
Total
|
74.4
|
17.1
|
68.3
|
19
|
945,000
|
4,247
|
306,694,078
|
26
|
1,384,426
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.16
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
50.3
|
3.3
|
53.0
|
232
|
23,817,736
|
86,422
|
8,640,119,628
|
461
|
44,898,240
|
Total
|
50.3
|
3.3
|
53.0
|
232
|
23,817,736
|
86,422
|
8,640,119,628
|
461
|
44,898,240
|
By Issue Age
|
20-39
|
56.1
|
8.4
|
68.6
|
44
|
5,850,000
|
41,178
|
4,290,764,654
|
79
|
8,523,981
|
40+
|
49.2
|
3.6
|
49.4
|
188
|
17,967,736
|
45,244
|
4,349,354,974
|
382
|
36,374,259
|
Total
|
50.3
|
3.3
|
53.0
|
232
|
23,817,736
|
86,422
|
8,640,119,628
|
461
|
44,898,240
|
By Attained Age
|
20+
|
50.3
|
3.3
|
53.0
|
232
|
23,817,736
|
86,422
|
8,640,119,628
|
461
|
44,898,240
|
Total
|
50.3
|
3.3
|
53.0
|
232
|
23,817,736
|
86,422
|
8,640,119,628
|
461
|
44,898,240
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.17
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
21.5
|
3.1
|
24.4
|
48
|
3,377,500
|
88,986
|
6,314,468,755
|
225
|
13,831,751
|
2
|
53.0
|
4.9
|
59.2
|
119
|
8,223,889
|
82,057
|
5,833,845,952
|
225
|
13,882,989
|
3
|
55.5
|
5.1
|
56.0
|
121
|
7,421,224
|
73,560
|
5,150,349,049
|
217
|
13,254,216
|
4
|
61.3
|
5.5
|
65.2
|
125
|
7,873,098
|
65,803
|
4,479,079,143
|
204
|
12,073,946
|
5
|
51.6
|
5.3
|
49.8
|
94
|
5,219,727
|
54,279
|
3,584,197,021
|
183
|
10,487,768
|
6
|
62.3
|
6.2
|
69.4
|
100
|
6,334,000
|
42,897
|
2,776,666,310
|
161
|
9,127,776
|
7+
|
59.5
|
4.6
|
63.0
|
165
|
9,977,668
|
59,368
|
3,788,688,910
|
278
|
15,832,780
|
Total
|
51.8
|
1.9
|
54.7
|
773
|
48,427,106
|
466,949
|
31,927,295,140
|
1,492
|
88,491,225
|
By Issue Age
|
20-39
|
53.5
|
3.1
|
55.4
|
297
|
22,579,500
|
328,674
|
24,336,257,636
|
556
|
40,791,967
|
40-44
|
48.7
|
4.0
|
49.5
|
147
|
9,037,043
|
68,114
|
4,221,115,714
|
302
|
18,243,926
|
45-49
|
52.6
|
3.9
|
56.9
|
180
|
9,785,713
|
47,157
|
2,401,596,203
|
341
|
17,208,150
|
50-54
|
55.3
|
5.5
|
63.3
|
100
|
5,180,000
|
16,586
|
747,547,093
|
180
|
8,182,282
|
55+
|
43.8
|
6.2
|
45.4
|
49
|
1,844,850
|
6,418
|
220,778,494
|
113
|
4,064,900
|
Total
|
51.8
|
1.9
|
54.7
|
773
|
48,427,106
|
466,949
|
31,927,295,140
|
1,492
|
88,491,225
|
By Attained Age
|
20-44
|
52.8
|
2.8
|
54.6
|
347
|
25,921,043
|
359,369
|
26,377,088,491
|
658
|
47,465,818
|
45-49
|
44.5
|
3.7
|
47.3
|
142
|
8,386,100
|
58,875
|
3,318,282,031
|
318
|
17,743,619
|
50-54
|
54.9
|
4.4
|
57.0
|
159
|
7,936,768
|
33,683
|
1,619,712,083
|
289
|
13,933,149
|
55-59
|
59.5
|
6.2
|
70.9
|
92
|
4,719,595
|
11,539
|
488,358,631
|
155
|
6,654,526
|
60-64
|
44.8
|
8.6
|
55.5
|
27
|
1,153,600
|
3,103
|
105,327,970
|
60
|
2,076,704
|
65+
|
54.5
|
22.2
|
50.2
|
6
|
310,000
|
380
|
18,525,935
|
11
|
617,409
|
Total
|
51.8
|
1.9
|
54.7
|
773
|
48,427,106
|
466,949
|
31,927,295,140
|
1,492
|
88,491,225
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.18
TOTAL EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
25.7
|
4.4
|
22.1
|
34
|
2,791,100
|
28,173
|
3,161,247,700
|
133
|
12,607,019
|
2
|
38.7
|
5.6
|
37.7
|
47
|
4,701,500
|
22,499
|
2,723,204,982
|
122
|
12,463,763
|
3
|
48.2
|
6.5
|
85.4
|
56
|
9,917,344
|
18,666
|
2,287,404,072
|
115
|
11,615,137
|
4
|
55.6
|
7.0
|
62.5
|
63
|
6,585,000
|
16,872
|
1,963,694,369
|
114
|
10,529,885
|
5
|
45.7
|
6.4
|
49.0
|
51
|
4,745,000
|
15,152
|
1,677,109,259
|
111
|
9,682,639
|
6
|
39.3
|
6.2
|
38.4
|
40
|
3,207,491
|
12,442
|
1,317,504,335
|
102
|
8,343,722
|
7+
|
56.1
|
4.9
|
60.1
|
133
|
10,881,197
|
23,060
|
2,215,357,483
|
237
|
18,117,583
|
Total
|
45.4
|
2.2
|
51.4
|
424
|
42,828,632
|
136,864
|
15,345,522,200
|
935
|
83,359,747
|
By Issue Age
|
20-24
|
78.2
|
45.2
|
48.5
|
3
|
210,000
|
4,908
|
553,214,360
|
4
|
432,899
|
25-29
|
58.8
|
20.8
|
70.2
|
8
|
1,100,000
|
11,963
|
1,380,692,516
|
14
|
1,567,453
|
30-34
|
56.6
|
13.7
|
44.8
|
17
|
1,750,000
|
17,256
|
2,275,741,463
|
30
|
3,904,359
|
35-39
|
50.8
|
9.4
|
70.7
|
29
|
5,450,000
|
20,458
|
2,831,172,758
|
57
|
7,704,364
|
40-44
|
55.3
|
7.1
|
51.7
|
61
|
7,629,354
|
23,702
|
3,278,217,960
|
110
|
14,759,461
|
45-49
|
48.4
|
5.3
|
51.5
|
82
|
9,757,081
|
22,269
|
2,552,625,715
|
170
|
18,944,358
|
50-54
|
42.7
|
4.0
|
39.5
|
114
|
7,887,697
|
21,917
|
1,654,154,138
|
268
|
19,945,244
|
55-59
|
42.7
|
4.7
|
53.6
|
81
|
6,239,500
|
10,742
|
648,951,792
|
190
|
11,647,947
|
60-64
|
32.7
|
6.5
|
68.6
|
25
|
2,645,000
|
3,169
|
152,499,892
|
76
|
3,855,898
|
65+
|
19.9
|
11.5
|
26.8
|
3
|
160,000
|
480
|
18,251,604
|
15
|
597,766
|
Total
|
45.4
|
2.2
|
51.4
|
424
|
42,828,632
|
136,864
|
15,345,522,200
|
935
|
83,359,747
|
By Attained Age
|
20-24
|
58.1
|
58.1
|
53.8
|
1
|
100,000
|
2,553
|
275,944,146
|
2
|
185,794
|
25-29
|
62.1
|
27.8
|
86.9
|
5
|
760,000
|
8,564
|
942,975,446
|
8
|
875,005
|
30-34
|
76.9
|
19.8
|
52.7
|
15
|
1,275,000
|
14,157
|
1,787,143,263
|
20
|
2,420,589
|
35-39
|
21.8
|
7.7
|
26.9
|
8
|
1,325,000
|
17,756
|
2,431,387,308
|
37
|
4,917,873
|
40-44
|
59.4
|
9.2
|
70.0
|
42
|
7,129,354
|
21,302
|
3,099,400,343
|
71
|
10,190,980
|
45-49
|
50.1
|
6.4
|
50.6
|
61
|
8,019,590
|
22,329
|
2,911,676,469
|
122
|
15,852,505
|
50-54
|
46.7
|
4.9
|
46.7
|
91
|
8,874,991
|
21,824
|
2,115,085,745
|
196
|
18,993,975
|
55-59
|
41.1
|
4.1
|
45.1
|
100
|
7,815,697
|
17,579
|
1,219,413,210
|
244
|
17,332,479
|
60-64
|
43.1
|
5.1
|
60.1
|
71
|
5,683,000
|
8,233
|
452,440,271
|
165
|
9,452,135
|
65+
|
40.9
|
7.6
|
58.8
|
29
|
1,846,000
|
2,565
|
110,055,999
|
71
|
3,138,414
|
Total
|
45.4
|
2.2
|
51.4
|
424
|
42,828,632
|
136,864
|
15,345,522,200
|
935
|
83,359,747
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.19
MALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
Total
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
By Issue Age
|
20+
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
Total
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
By Attained Age
|
20+
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
Total
|
51.0
|
4.7
|
46.9
|
119
|
12,883,000
|
39,850
|
4,831,759,871
|
233
|
27,454,095
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.20
MALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
19.9
|
4.6
|
22.0
|
19
|
1,390,000
|
39,789
|
3,032,374,766
|
96
|
6,324,998
|
2
|
46.6
|
6.8
|
47.7
|
46
|
3,131,750
|
37,335
|
2,848,970,617
|
99
|
6,571,646
|
3
|
56.7
|
7.6
|
57.7
|
55
|
3,681,524
|
33,732
|
2,529,491,794
|
98
|
6,381,230
|
4
|
51.3
|
7.5
|
51.9
|
47
|
3,003,608
|
30,204
|
2,188,452,254
|
92
|
5,787,690
|
5
|
47.5
|
7.6
|
40.4
|
39
|
2,015,000
|
24,782
|
1,742,087,861
|
82
|
4,993,534
|
6
|
50.7
|
8.3
|
65.4
|
37
|
2,854,000
|
19,542
|
1,346,627,957
|
73
|
4,362,580
|
7+
|
57.5
|
6.6
|
66.7
|
76
|
5,397,345
|
27,368
|
1,879,742,718
|
133
|
8,088,941
|
Total
|
47.6
|
2.7
|
50.5
|
320
|
21,473,227
|
212,751
|
15,567,747,968
|
672
|
42,510,618
|
By Issue Age
|
20-39
|
48.5
|
4.7
|
53.1
|
108
|
9,305,773
|
150,240
|
11,775,210,270
|
223
|
17,530,799
|
40-44
|
39.4
|
5.4
|
39.4
|
53
|
3,515,543
|
31,325
|
2,131,429,277
|
135
|
8,922,351
|
45-49
|
53.3
|
5.7
|
59.7
|
87
|
5,357,800
|
21,286
|
1,185,179,785
|
164
|
8,973,618
|
50-54
|
59.2
|
8.0
|
56.1
|
54
|
2,582,861
|
7,263
|
367,089,746
|
92
|
4,602,767
|
55-59
|
26.7
|
7.4
|
21.3
|
13
|
401,250
|
2,322
|
92,047,630
|
49
|
1,887,340
|
60+
|
39.9
|
19.9
|
52.2
|
4
|
310,000
|
316
|
16,791,260
|
10
|
593,744
|
Total
|
47.6
|
2.7
|
50.5
|
320
|
21,473,227
|
212,751
|
15,567,747,968
|
672
|
42,510,618
|
By Attained Age
|
20-44
|
46.2
|
4.2
|
49.6
|
123
|
10,247,316
|
164,557
|
12,821,425,485
|
266
|
20,669,884
|
45-49
|
40.5
|
5.3
|
45.8
|
58
|
4,020,000
|
26,720
|
1,645,868,576
|
144
|
8,776,572
|
50-54
|
56.2
|
6.3
|
60.3
|
80
|
4,528,816
|
15,116
|
799,663,778
|
143
|
7,506,261
|
55-59
|
53.3
|
8.1
|
50.8
|
43
|
1,982,095
|
4,936
|
241,179,581
|
81
|
3,901,074
|
60-64
|
38.1
|
11.0
|
40.6
|
12
|
485,000
|
1,254
|
48,229,853
|
31
|
1,194,752
|
65+
|
46.6
|
26.9
|
45.4
|
3
|
210,000
|
169
|
11,380,695
|
6
|
462,074
|
Total
|
47.6
|
2.7
|
50.5
|
320
|
21,473,227
|
212,751
|
15,567,747,968
|
672
|
42,510,618
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.21
MALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
20.1
|
5.4
|
16.3
|
14
|
1,262,500
|
14,107
|
1,899,601,034
|
70
|
7,758,985
|
2
|
36.9
|
7.5
|
38.7
|
24
|
3,036,500
|
11,545
|
1,664,226,811
|
65
|
7,856,139
|
3
|
46.6
|
8.6
|
93.9
|
29
|
6,896,854
|
9,777
|
1,408,895,753
|
63
|
7,346,312
|
4
|
61.7
|
10.0
|
63.1
|
38
|
4,130,000
|
8,749
|
1,185,458,591
|
62
|
6,543,864
|
5
|
42.3
|
8.3
|
46.0
|
26
|
2,765,000
|
7,814
|
1,002,008,259
|
61
|
6,017,402
|
6
|
30.5
|
7.4
|
22.4
|
17
|
1,160,000
|
6,347
|
779,782,656
|
56
|
5,189,075
|
7+
|
57.0
|
6.5
|
61.7
|
77
|
7,081,500
|
11,915
|
1,307,344,925
|
135
|
11,475,603
|
Total
|
44.1
|
2.9
|
50.5
|
226
|
26,332,354
|
70,252
|
9,247,318,028
|
512
|
52,187,380
|
By Issue Age
|
20-24
|
60.4
|
60.4
|
49.8
|
1
|
100,000
|
2,323
|
280,649,988
|
2
|
200,764
|
25-29
|
103.9
|
42.4
|
125.9
|
6
|
950,000
|
5,757
|
745,738,978
|
6
|
754,269
|
30-34
|
57.5
|
20.3
|
40.1
|
8
|
850,000
|
9,061
|
1,377,629,753
|
14
|
2,118,177
|
35-39
|
45.4
|
12.6
|
80.5
|
13
|
3,580,000
|
11,188
|
1,771,755,638
|
29
|
4,445,377
|
40-44
|
44.8
|
8.6
|
46.2
|
27
|
4,319,354
|
13,217
|
2,122,074,778
|
60
|
9,350,253
|
45-49
|
39.9
|
6.5
|
36.6
|
38
|
4,429,000
|
11,804
|
1,568,124,211
|
96
|
12,103,483
|
50-54
|
45.8
|
5.5
|
39.7
|
69
|
5,035,500
|
10,557
|
930,688,942
|
151
|
12,693,736
|
55-59
|
44.0
|
6.4
|
60.9
|
47
|
4,633,500
|
4,875
|
357,838,705
|
107
|
7,605,654
|
60-64
|
37.7
|
9.7
|
92.1
|
15
|
2,335,000
|
1,277
|
83,235,587
|
40
|
2,535,241
|
65+
|
12.8
|
12.8
|
26.3
|
1
|
100,000
|
193
|
9,581,447
|
8
|
380,426
|
Total
|
44.1
|
2.9
|
50.5
|
226
|
26,332,354
|
70,252
|
9,247,318,028
|
512
|
52,187,380
|
By Attained Age
|
20-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,171
|
137,079,634
|
1
|
87,361
|
25-29
|
121.8
|
60.9
|
185.9
|
4
|
750,000
|
3,976
|
488,288,904
|
3
|
403,428
|
30-34
|
69.6
|
28.4
|
37.8
|
6
|
475,000
|
7,175
|
1,041,738,148
|
9
|
1,256,711
|
35-39
|
17.5
|
10.1
|
23.0
|
3
|
625,000
|
9,493
|
1,505,159,941
|
17
|
2,720,747
|
40-44
|
70.9
|
13.9
|
93.5
|
26
|
5,759,354
|
11,926
|
1,986,697,847
|
37
|
6,161,593
|
45-49
|
29.5
|
6.6
|
26.8
|
20
|
2,724,000
|
12,450
|
1,870,026,660
|
68
|
10,166,631
|
50-54
|
40.0
|
6.1
|
39.5
|
43
|
4,715,000
|
10,975
|
1,235,591,157
|
108
|
11,939,344
|
55-59
|
47.2
|
5.8
|
48.5
|
65
|
5,405,000
|
8,330
|
675,249,273
|
138
|
11,146,844
|
60-64
|
42.7
|
6.7
|
68.7
|
40
|
4,358,000
|
3,705
|
252,063,903
|
94
|
6,343,856
|
65+
|
47.7
|
11.2
|
77.6
|
18
|
1,521,000
|
1,051
|
55,422,560
|
38
|
1,960,865
|
Total
|
44.1
|
2.9
|
50.5
|
226
|
26,332,354
|
70,252
|
9,247,318,028
|
512
|
52,187,380
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.22
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1-7+
|
49.6
|
4.7
|
62.7
|
113
|
10,934,736
|
46,572
|
3,808,359,757
|
228
|
17,444,145
|
Total
|
49.6
|
4.7
|
62.7
|
113
|
10,934,736
|
46,572
|
3,808,359,757
|
228
|
17,444,145
|
By Issue Age
|
20-39
|
63.8
|
11.6
|
102.5
|
30
|
4,440,000
|
22,633
|
2,003,658,036
|
47
|
4,331,856
|
40-44
|
65.6
|
12.6
|
51.8
|
27
|
1,820,000
|
9,049
|
756,245,732
|
41
|
3,511,874
|
45-49
|
43.4
|
9.0
|
52.3
|
23
|
2,231,200
|
7,716
|
603,121,768
|
53
|
4,262,875
|
50+
|
38.1
|
6.6
|
45.8
|
33
|
2,443,536
|
7,174
|
445,334,221
|
87
|
5,337,540
|
Total
|
49.6
|
4.7
|
62.7
|
113
|
10,934,736
|
46,572
|
3,808,359,757
|
228
|
17,444,145
|
By Attained Age
|
20+
|
49.6
|
4.7
|
62.7
|
113
|
10,934,736
|
46,572
|
3,808,359,757
|
228
|
17,444,145
|
Total
|
49.6
|
4.7
|
62.7
|
113
|
10,934,736
|
46,572
|
3,808,359,757
|
228
|
17,444,145
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.23
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- NON-MEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
22.7
|
4.2
|
26.5
|
29
|
1,987,500
|
49,197
|
3,282,093,989
|
129
|
7,506,754
|
2
|
58.2
|
6.8
|
69.6
|
73
|
5,092,139
|
44,722
|
2,984,875,334
|
126
|
7,311,343
|
3
|
54.5
|
6.7
|
54.4
|
65
|
3,739,700
|
39,828
|
2,620,857,255
|
120
|
6,872,986
|
4
|
69.4
|
7.9
|
77.5
|
78
|
4,869,490
|
35,599
|
2,290,626,889
|
112
|
6,286,256
|
5
|
54.9
|
7.4
|
58.3
|
55
|
3,204,727
|
29,497
|
1,842,109,159
|
101
|
5,494,234
|
6
|
72.0
|
9.1
|
73.0
|
63
|
3,480,000
|
23,354
|
1,430,038,353
|
88
|
4,765,196
|
7+
|
61.4
|
6.5
|
59.1
|
89
|
4,580,323
|
32,000
|
1,908,946,192
|
145
|
7,743,838
|
Total
|
55.3
|
2.6
|
58.6
|
453
|
26,953,879
|
254,199
|
16,359,547,172
|
820
|
45,980,607
|
By Issue Age
|
20-39
|
56.8
|
4.1
|
57.1
|
189
|
13,273,727
|
178,434
|
12,561,047,367
|
333
|
23,261,168
|
40-44
|
56.1
|
5.8
|
59.2
|
94
|
5,521,500
|
36,789
|
2,089,686,437
|
167
|
9,321,575
|
45-49
|
52.1
|
5.4
|
53.8
|
92
|
4,427,913
|
25,871
|
1,216,416,418
|
177
|
8,234,532
|
50+
|
54.6
|
6.2
|
72.3
|
78
|
3,730,739
|
13,104
|
492,396,951
|
142
|
5,163,332
|
Total
|
55.3
|
2.6
|
58.6
|
453
|
26,953,879
|
254,199
|
16,359,547,172
|
820
|
45,980,607
|
By Attained Age
|
20+
|
55.3
|
2.6
|
58.6
|
453
|
26,953,879
|
254,199
|
16,359,547,172
|
820
|
45,980,607
|
Total
|
55.3
|
2.6
|
58.6
|
453
|
26,953,879
|
254,199
|
16,359,547,172
|
820
|
45,980,607
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 10.24
FEMALE EXPERIENCE BY UNDERWRITING TYPE -- PARAMEDICAL -- NON-SMOKERS & UNKNOWN
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By Duration
|
1
|
31.9
|
7.1
|
31.5
|
20
|
1,528,600
|
14,066
|
1,261,646,666
|
63
|
4,848,034
|
2
|
40.6
|
8.5
|
36.1
|
23
|
1,665,000
|
10,954
|
1,058,978,171
|
57
|
4,607,624
|
3
|
50.1
|
9.8
|
70.8
|
26
|
3,020,490
|
8,889
|
878,508,320
|
53
|
4,268,826
|
4
|
48.3
|
9.7
|
61.6
|
25
|
2,455,000
|
8,123
|
778,235,779
|
52
|
3,986,021
|
5
|
49.9
|
10.0
|
54.0
|
25
|
1,980,000
|
7,338
|
675,101,000
|
50
|
3,665,236
|
6
|
50.1
|
10.4
|
64.9
|
23
|
2,047,491
|
6,096
|
537,721,679
|
46
|
3,154,647
|
7+
|
54.9
|
7.3
|
57.2
|
56
|
3,799,697
|
11,145
|
908,012,558
|
102
|
6,641,979
|
Total
|
47.0
|
3.3
|
52.9
|
199
|
16,496,278
|
66,611
|
6,098,204,172
|
423
|
31,172,368
|
By Issue Age
|
20-24
|
91.8
|
64.9
|
47.4
|
2
|
110,000
|
2,585
|
272,564,372
|
2
|
232,135
|
25-29
|
25.6
|
18.1
|
18.4
|
2
|
150,000
|
6,206
|
634,953,538
|
8
|
813,184
|
30-34
|
55.8
|
18.6
|
50.4
|
9
|
900,000
|
8,195
|
898,111,711
|
16
|
1,786,182
|
35-39
|
56.3
|
14.1
|
57.4
|
16
|
1,870,000
|
9,270
|
1,059,417,120
|
28
|
3,258,987
|
40-44
|
68.1
|
11.7
|
61.2
|
34
|
3,310,000
|
10,485
|
1,156,143,182
|
50
|
5,409,208
|
45-49
|
59.5
|
8.9
|
77.9
|
44
|
5,328,081
|
10,465
|
984,501,504
|
74
|
6,840,875
|
50-54
|
38.6
|
5.8
|
39.3
|
45
|
2,852,197
|
11,359
|
723,465,195
|
117
|
7,251,508
|
55-59
|
41.1
|
7.0
|
39.7
|
34
|
1,606,000
|
5,867
|
291,113,087
|
83
|
4,042,293
|
60-64
|
27.3
|
8.6
|
23.5
|
10
|
310,000
|
1,892
|
69,264,305
|
37
|
1,320,657
|
65+
|
27.7
|
19.6
|
27.6
|
2
|
60,000
|
287
|
8,670,157
|
7
|
217,340
|
Total
|
47.0
|
3.3
|
52.9
|
199
|
16,496,278
|
66,611
|
6,098,204,172
|
423
|
31,172,368
|
By Attained Age
|
20-24
|
102.0
|
102.0
|
101.6
|
1
|
100,000
|
1,383
|
138,864,511
|
1
|
98,433
|
25-29
|
21.0
|
21.0
|
2.1
|
1
|
10,000
|
4,588
|
454,686,543
|
5
|
471,576
|
30-34
|
82.6
|
27.5
|
68.7
|
9
|
800,000
|
6,982
|
745,405,115
|
11
|
1,163,878
|
35-39
|
25.6
|
11.4
|
31.9
|
5
|
700,000
|
8,263
|
926,227,367
|
20
|
2,197,126
|
40-44
|
47.0
|
11.8
|
34.0
|
16
|
1,370,000
|
9,376
|
1,112,702,496
|
34
|
4,029,387
|
45-49
|
76.0
|
11.8
|
93.1
|
41
|
5,295,590
|
9,879
|
1,041,649,809
|
54
|
5,685,874
|
50-54
|
54.9
|
7.9
|
59.0
|
48
|
4,159,991
|
10,849
|
879,494,588
|
88
|
7,054,631
|
55-59
|
33.2
|
5.6
|
39.0
|
35
|
2,410,697
|
9,249
|
544,163,936
|
106
|
6,185,635
|
60-64
|
43.6
|
7.8
|
42.6
|
31
|
1,325,000
|
4,528
|
200,376,368
|
71
|
3,108,278
|
65+
|
33.1
|
10.0
|
27.6
|
11
|
325,000
|
1,514
|
54,633,440
|
33
|
1,177,549
|
Total
|
47.0
|
3.3
|
52.9
|
199
|
16,496,278
|
66,611
|
6,098,204,172
|
423
|
31,172,368
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 11.1
EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
55.8
|
12.2
|
62.9
|
21
|
2,475,000
|
4,109
|
428,705,896
|
38
|
3,936,321
|
1997
|
76.3
|
9.7
|
74.3
|
62
|
5,665,000
|
8,130
|
801,353,421
|
81
|
7,627,876
|
1998
|
72.4
|
7.9
|
65.6
|
84
|
7,098,500
|
12,848
|
1,263,748,714
|
116
|
10,812,883
|
1999
|
60.3
|
5.5
|
65.5
|
118
|
10,950,921
|
24,188
|
2,208,298,249
|
196
|
16,709,410
|
2000
|
60.4
|
4.4
|
58.9
|
190
|
15,217,658
|
43,423
|
3,821,854,204
|
314
|
25,817,326
|
2001
|
58.2
|
3.0
|
61.6
|
378
|
32,482,874
|
103,775
|
9,033,872,291
|
649
|
52,741,291
|
2002
|
57.5
|
2.7
|
58.8
|
459
|
37,450,786
|
142,024
|
12,016,877,203
|
798
|
63,682,549
|
2003
|
56.5
|
2.4
|
61.1
|
541
|
47,433,424
|
187,185
|
16,160,527,508
|
958
|
77,638,725
|
2004
|
54.7
|
2.4
|
55.5
|
519
|
43,374,251
|
209,056
|
18,232,844,169
|
949
|
78,126,783
|
2005
|
50.1
|
2.5
|
53.9
|
394
|
35,253,551
|
197,009
|
17,446,796,285
|
787
|
65,444,594
|
2006
|
45.6
|
2.8
|
47.0
|
265
|
22,140,103
|
155,830
|
13,631,989,668
|
581
|
47,118,544
|
2007
|
44.9
|
3.4
|
45.0
|
176
|
14,976,358
|
111,304
|
10,100,597,884
|
393
|
33,280,113
|
2008
|
42.2
|
3.9
|
39.6
|
114
|
8,961,139
|
84,371
|
7,393,483,730
|
271
|
22,617,937
|
2009
|
18.3
|
3.6
|
17.7
|
25
|
2,018,600
|
45,224
|
3,860,273,027
|
139
|
11,380,920
|
Total
|
53.4
|
0.9
|
55.2
|
3,347
|
285,498,165
|
1,328,476
|
116,401,222,249
|
6,269
|
516,935,271
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 11.2
MALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
57.2
|
15.9
|
56.5
|
13
|
1,475,000
|
2,134
|
248,658,336
|
23
|
2,611,345
|
1997
|
87.6
|
13.2
|
81.9
|
44
|
4,250,000
|
4,392
|
484,446,824
|
50
|
5,188,130
|
1998
|
64.6
|
9.5
|
62.3
|
46
|
4,548,500
|
6,830
|
748,639,898
|
71
|
7,297,361
|
1999
|
54.1
|
6.9
|
54.7
|
61
|
5,823,000
|
12,397
|
1,254,565,888
|
113
|
10,637,773
|
2000
|
60.0
|
5.9
|
55.8
|
105
|
8,821,171
|
21,760
|
2,120,008,767
|
175
|
15,816,368
|
2001
|
55.3
|
4.0
|
61.1
|
190
|
19,432,978
|
50,656
|
5,004,555,635
|
343
|
31,809,656
|
2002
|
57.2
|
3.7
|
56.5
|
242
|
21,434,375
|
69,533
|
6,609,790,782
|
423
|
37,966,356
|
2003
|
49.6
|
3.2
|
56.6
|
245
|
25,779,732
|
90,562
|
8,879,180,068
|
494
|
45,566,092
|
2004
|
48.0
|
3.2
|
47.7
|
231
|
21,521,324
|
100,945
|
9,860,038,227
|
480
|
45,113,656
|
2005
|
48.5
|
3.5
|
54.8
|
194
|
20,702,660
|
96,733
|
9,560,009,290
|
399
|
37,758,826
|
2006
|
45.2
|
4.0
|
39.4
|
130
|
10,450,603
|
76,363
|
7,433,727,825
|
289
|
26,546,495
|
2007
|
42.9
|
4.7
|
42.7
|
83
|
8,022,858
|
53,907
|
5,576,721,111
|
193
|
18,783,838
|
2008
|
41.1
|
5.6
|
42.0
|
53
|
5,304,000
|
39,995
|
4,013,512,250
|
130
|
12,641,772
|
2009
|
20.1
|
5.6
|
18.5
|
13
|
1,157,500
|
21,132
|
2,059,130,042
|
65
|
6,260,728
|
Total
|
50.8
|
1.3
|
52.2
|
1,651
|
158,723,701
|
647,341
|
63,852,984,945
|
3,249
|
303,998,397
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014
TABLE 11.3
FEMALE EXPERIENCE BY ISSUE YEAR
|
CANADIAN INDIVIDUAL CRITICAL ILLNESS INSURANCE MORBIDITY EXPERIENCE STUDY |
INCLUDING POLICY ANNIVERSARIES BETWEEN 2005 AND 2010 |
USING EXPECTED INCIDENCE RATE TABLES 2008 CANCI |
|
RATIO A/E |
ACTUAL CLAIMS |
EXPOSURES |
EXPECTED CLAIMS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ |
NUMBER |
$ |
NUMBER |
$ |
By IssueYear
|
1996
|
53.6
|
19.0
|
75.5
|
8
|
1,000,000
|
1,975
|
180,047,560
|
15
|
1,324,976
|
1997
|
58.1
|
13.7
|
58.0
|
18
|
1,415,000
|
3,738
|
316,906,597
|
31
|
2,439,746
|
1998
|
84.9
|
13.8
|
72.5
|
38
|
2,550,000
|
6,017
|
515,108,816
|
45
|
3,515,522
|
1999
|
68.7
|
9.1
|
84.5
|
57
|
5,127,921
|
11,791
|
953,732,361
|
83
|
6,071,637
|
2000
|
61.0
|
6.6
|
64.0
|
85
|
6,396,487
|
21,663
|
1,701,845,437
|
139
|
10,000,958
|
2001
|
61.4
|
4.5
|
62.3
|
188
|
13,049,896
|
53,119
|
4,029,316,656
|
306
|
20,931,635
|
2002
|
57.9
|
3.9
|
62.3
|
217
|
16,016,411
|
72,490
|
5,407,086,421
|
375
|
25,716,193
|
2003
|
63.7
|
3.7
|
67.5
|
295
|
21,653,692
|
96,623
|
7,281,347,440
|
463
|
32,072,632
|
2004
|
61.7
|
3.6
|
66.2
|
289
|
21,852,927
|
108,111
|
8,372,805,942
|
468
|
33,013,127
|
2005
|
51.7
|
3.7
|
52.6
|
200
|
14,550,891
|
100,276
|
7,886,786,995
|
388
|
27,685,768
|
2006
|
46.0
|
4.0
|
56.8
|
134
|
11,689,500
|
79,467
|
6,198,261,843
|
292
|
20,572,049
|
2007
|
46.7
|
4.8
|
48.0
|
94
|
6,953,500
|
57,397
|
4,523,876,772
|
200
|
14,496,275
|
2008
|
43.3
|
5.5
|
36.7
|
61
|
3,657,139
|
44,376
|
3,379,971,480
|
141
|
9,976,165
|
2009
|
16.6
|
4.7
|
16.8
|
12
|
861,100
|
24,093
|
1,801,142,985
|
74
|
5,120,192
|
Total
|
56.2
|
1.4
|
59.5
|
1,697
|
126,774,464
|
681,135
|
52,548,237,304
|
3,020
|
212,936,874
|
Thomson Data Analysis Tue Sep 30 15:20:16 2014