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.
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Sources:
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Mortality probability based on the Canadian Institute of Actuaries' CIA9704
gender and smoker distinct mortality tables.
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Disability probability based on the 1985 Commissioner's Individual Disability
Table A gender distinct incidence tables for Occupation class 2A, 90 day
waiting period.
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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").
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A
smoker is considered a person who has used any tobacco product in the past 12
months.
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