Risk Reality Calculator
Calculate the probability of death, critical illness or disability before retirement
Client Details
1865
5 years40 years
Showing risks for a 35-year-old male non-smoker over a 25-year term (to age 60).
Chance of Death
7.8%
Life cover need
Chance of Critical Illness
21.0%
CI cover need
Chance of Disability
14.1%
IP cover need
Combined chance of experiencing at least one event
37.4%
That's 1 in 3 people
Cumulative Risk Over Time
Important: These probabilities are based on population averages and simplified actuarial data for illustration purposes. Individual risk may vary significantly based on personal health, lifestyle, and other factors. This tool is intended to facilitate client conversations, not to provide precise underwriting assessments.