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.
*We recognise that gender is fluid and is not limited to male and female, and we thank you for selecting your assigned biological gender at birth.
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.
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.