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What are the odds it happens to you before 65?
Most people insure their car, their house, and their phone — but not the income that pays for all three. Answer three questions and see your real odds of death, critical illness, or disability before retirement. No email required to see your numbers.
Step 1 of 3
How old are you?
Your age today — we match you to the closest national statistics.
What you'll walk away with
- Your personal odds of death, critical illness and disability before 65
- The one risk most working Canadians are most likely to face — and least likely to have covered
- What it would mean for your family's income, mortgage and plans
Two minutes · No email required to see your numbers
The money question
How much coverage does your family actually need?
The 10× income rule of thumb is a guess. Size your real coverage gap with nine quick sliders — live results as you move them.
Size my coverageLife risk questions, answered
Where do these risk numbers come from?
Death rates come from Statistics Canada life tables (2020–2022), disability incidence from Canadian Life and Health Insurance Association (CLHIA) industry studies, and critical illness rates from the Canadian Cancer Society and Heart & Stroke Foundation. Sex and smoking adjustments follow actuarial morbidity/mortality multipliers.
Why is the combined risk so high?
Each risk on its own looks small, but they compound. A 35-year-old male non-smoker faces roughly a 6.7% chance of death, a 36.8% chance of a critical illness, and a 29% chance of a 90+ day disability before 65 — combined, that's about a 58% chance of at least one occurring. Most people only insure against the first one.
What's the difference between life, critical illness and disability insurance?
Life insurance pays a lump sum if you die. Critical illness insurance pays a lump sum on diagnosis of a covered condition (like cancer, heart attack or stroke) while you're alive. Disability insurance replaces a portion of your income monthly if you can't work. Each covers a different gap, and many families need all three.
I'm healthy. Do I really need to think about this?
That's exactly when to think about it — insurance is priced on your health when you apply. Most critical illness claimants had no significant family history, and roughly a quarter of heart attacks strike people under 65. Waiting until there's a health event usually means paying far more, or being declined.
Is this a quote or medical prediction?
No. These are population-level statistics for education only. Your personal risk depends on health, family history, occupation and lifestyle, and actual insurance pricing requires underwriting. Request a protection assessment — we'll find you a slot for numbers specific to you.
Next step: calculate exactly how much coverage your family would need.