Check Your Risk

Life is full of surprises

You probably know someone who has faced a major life challenge.
But still, it's difficult to believe it could happen to us.

Calculate your risk, your partner's risk or both.

You Your Partner Age
Smoking Status
Start over

Important information about this chart:


The "Check your risk" table is for illustrative purposes only, intended to show the relative risks of different life events. The percentages in the above chart are based on a mixture of incidence rates from studies of both the insured and general population, which do not necessarily represent the same critical illness covered conditions or definitions of disability and critical illness conditions as contained in a Synergy disability policy and a Synergy critical illness policy and are not necessarily representative for any given insured person. Factors that may contribute to an individual's risk of critical illness, disability or death include family history, lifestyle and environment.


Data 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").


You are a smoker if you've used any tobacco product in the past 12 months.

** The probability of dying, becoming critically ill or disabled before age 65 was determined by projecting claims experience to age 65 using these incidence rates and determining the probability of at least one event occurring. The probability of at least one event occurring is less than the sum of the probabilities for all three events, as individuals may incur multiple events.