Health risk calculator

How at risk are you?

We all like to think it won't happen to us. But here you can see the likelihood of illness, injury or death before your retirement age.

Calculate your health risk in just a few seconds...
Before retiring, you have a...
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probability of being unable to work for 3 months or more
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probability of suffering a serious illness
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probability of death
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Worrying numbers? Financial protection for you and your family could help put your mind at ease. Book an appointment with a Wesleyan Financial Services Consultant to discuss your options today.
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Let’s talk
Worrying numbers? Financial protection for you and your family could help put your mind at ease. Book an appointment with a Wesleyan Financial Services Consultant to discuss your options today.
Book an appointment

Basis for risk calculator

This risk calculator allows you to assess your own risk of experiencing significant life events such as being unable to work for a long period of time (3 months or more), being diagnosed with a critical illness and dying. The calculator is based on historical data for subsets of the population and is therefore intended only as a rough guide for any individuals applying it to themselves. The results should ideally be discussed with a financial adviser.

The calculator provides the likelihood for each of the life events happening anytime between your current age and your planned age of retirement. The calculator considers individuals over the age of 20 and assumes retirement will take place between the ages of 55 and 70.

Being unable to work due to long-term sickness

The probabilities for male non- smokers are based on the “IPM 1991-98” income protection tables published by the Institute and Faculty of Actuaries. Wesleyan Assurance Society has combined these tables with our own reinsurance data to apply appropriate adjustments for females, and for smokers.

Being diagnosed with a critical illness

These probabilities have been based on diagnosis rate tables “AC08” for accelerated critical illness policies published by the Institute and Faculty of Actuaries. It is important to note that accelerated critical illness policies provide a benefit payment on diagnosis of a critical illness as well as on death, and as a result would provide a slightly higher probability than if only a diagnosis of a critical illness was being considered.

Death

The probabilities for dying have been based on the “00” series mortality base tables for assured lives published by the Institute and Faculty of Actuaries. These industry rates are based on the experience of people who own insurance policies.