Introduction
What are your chances?
 
One rarely knows what their chances are for becoming disabled, suffering a critical illness or dying before age 65.  When you combine the likelihood of one of the three you will see just what kind of risk you face.  Now, if you are a spouse or a business partner, consider the chances of one of the two of you facing that risk.  The odds are not really in anyone's favour.  Use this tool to see for yourself.
 
http://www.artdecosuites.com/wp-content/uploads/2012/05/hospital-070409.jpg
 
Single Risk
           
           
    Gender
   
           
    Age
 
           
    Smoking status
   
           
           
    See results?
   
         
           
    Your risk Chances    
           
    Disability before age 65    
           
    Critical illness before age 65    
           
    Dying before age 65    
           
    Probability of dying, becoming critically ill or disabled before age 65**    
           
Joint Risk
    Individual A      
 
           
       
           
       
           
       
           
 
  Individual B  
 
           
    Gender
   
           
    Age
 
           
    Smoking status
   
           
           
    See Results?
   
         
           
    Your  combined risk Chances    
           
    Disability before age 65    
           
    Critical illness before age 65    
           
    Dying before age 65    
           
    Probability of dying, becoming critically ill or disabled before age 65**    
           
Notes
This tool is for illustrative purposes only. The percentages derived are not necessarily representative for any given insured people. There are other lifestyle and health history that affect one's chances.
 
Sources:
 
- Mortality probability based on the Canadian Institute of Actuaries' CIA9704 gender and smoker distinct mortality tables.
- Disability probability based on the 1985 Commissioner's Individual Disability Table A gender distinct incidence tables for Occupation class 2A, 90 day waiting period.
- Critical illness probability based on combined incidence rates for Cancer (New cases for ICD-03 primary sites of cancer: 2002-2007") and the Heart and Stroke Foundation of Canada ("The Growing Burden of Heart Disease and Stroke in Canada, 2003").
 
A smoker is considered a person who has used any tobacco product in the past 12 months.