Based on the below sources, research and health statistics support the argument that critical illnesses are far more likely to occur before the age of 65 than death. The consequences of surviving a critical illness can include long, costly recovery periods at a fraction of your salary (assuming long-term disability), asset liquidation and savings depletion.
Health Statistics Sources: (gratefully acknowledged) Statistics Canada – Health Activities; Heart & Stroke Foundation; The Canadian Cancer Society; The Kidney Foundation of Canada; M.O.R.E. (Multiple Organ Retrieval & Exchange) Program; Ipsos-Reid Survey 2005
