Know your risk calculator

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A major health event can be financially devastating but you can plan to be prepared.

Take a moment now to understand your risk of experiencing a critical illness such as life-threatening cancer, a heart attack or stroke, a disability such as back pain or a mental health issue, or even dying before age 65.

Step 1 of 2: Your Info

Tell us about yourself

*indicates a mandatory field

Tell us whose risk you want to estimate *

Enter your age between 25 and 60*

Sex-at-birth:*

Rates are based on the highest gender rate class

Are you a smoker?*

Yes

How old is your spouse/partner? Enter your age between 25 and 60 *

Sex-at-birth:*

Rates are based on the highest gender rate class

Are you a smoker?*

Are you a smoker?

Yes

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Step 2 of 2: Results

Here are your results

Based on the information you gave us, this is the likelihood of you becoming disabled, critically ill, or dying before age 65.

Your combined likelihood of becoming disabled, critically ill, or dying before age 65 is:

Becoming disabled before age 65:

Becoming critically ill before age 65:

Dying before age 65:

Based on the information you gave us, this is the likelihood of you becoming disabled, critically ill, or dying before age 65.

Your combined likelihood of becoming disabled, critically ill, or dying before age 65 is:

Tell me how we estimated this

¹ Society of Actuaries, “Report of the Individual Disability Experience Committee Analysis of Experience from 1990 to 2007”, March 2013. The incidence rates are split by gender and smoker status. Assumed occupation class 2A with 90-day waiting period.

² Canadian Institute of Actuaries, “Research Paper: Critically Canadian: Canadian Critical Illness Standalone Base Incidence Tables”, July 2012. Life Threatening Cancer incidence rates are based on Canadian Cancer Statistics, 2007. Heart Attack and Stroke incidence rates are based on Canadian Institute for Health Information, special request (Ontario Information for period from 2004 to 2006). The incidence rates are split by gender and smoker status.

³ Canadian Institute of Actuaries, “Report: Construction of CIA9704 Mortality Tables for Canadian Individual Insurance based on data from 1997 to 2004”, May 2010. The mortality rates are split by gender and smoker status.