How long has the investigation been running?

The CMI critical illness investigation started in 1999 with the first data collected in 2000. The first data collected pertained to claims settled during 1998 and 1999. The 1998 data was significantly lower in volume than subsequent years, so has not been analysed further. In November 2013 the CMI changed the structure of the life office mortality and critical illness investigations into annuitant mortality and assurances investigations: the latter focuses on both mortality and critical illness.

What is the definition of critical illness?

The ABI defines critical illness cover as "Critical Illness cover means cover which pays out on a diagnosis of a listed critical illness.  The list of illnesses must include cancer, heart attack and stroke".

How do you collect/analyse data?

Until 2005 we have collected census data, ie, in force data at 1st January each year and claims settled during an investigation year, from insurance companies, termed contributing offices.  The in force data is in a per life, per policy format and the claims data is per claim settled.  The analysis methodology is described in detail in Working paper 14. For 2006 data, we encourage offices to submit data in accordance with the 'per policy' format.

Who should I send data to or ask about the critical illness investigation?

For all investigations the CMI use group email addresses in order to manage communications.  Any general enquiries about the CMI should be directed to For correspondence about the critical illness investigation, or to submit data, use Should you want to speak to someone directly, please call the CMI on 020 7776 3820.

Do you analyse rated policies?


What is the definition of date of diagnosis?

The CMI understands that it is not always easy to determine what constitutes the date of diagnosis for all claims. For heart attack or stroke, for instance, it is much clearer when the event occurred, however, for cancer it may not be. Additionally, different companies may have different practices, and indeed even between different claims assessors. The CMI therefore developed guidelines in conjunction with the Health Claims Forum.  These were published in November 2006. 

Do you provide the raw data underlying the results?

The CMI has agreed to release the underlying data to the 1999-2002 all office experience to members of the CMI. See Critical illness data 1999-2002. It is not necessarily the case that future data will be made available.

What is the age definition used in producing the results?

The CMI analyses use an initial exposed to risk and an age definition of age nearest. The principal table we use for comparisons is CIBT93, which was originally contained in A Critical Review, presented to SIAS in 2000. There has been some confusion as to the age definition that should be assumed for CIBT93. Although paragraphs 3.1.2, 3.10 and 4.3.3 of the paper state that CIBT93 is age exact, this appears to be contradicted by the details of an experience investigation in section 4.

Using a census method to calculate exposure, there are two distinct groups of lives, one aged x nearest at the start of the year and one aged x nearest at the end of the year. Hence lives are aged x nearest, on average, throughout the year and qx-½ (rather than qx) is required, assuming an age exact table. However the paper states that no adjustment has been made to CIBT93 where it is applied to (in force) data with an age definition of age nearest at 31 December. Consultation with the authors has also confirmed that this is what was actually done.

The CMI has always used the latter approach to CIBT93, i.e. CMI results are consistent with the results in "A Critical Review", rather than with CIBT93 being an age exact table.

Contact Details

If you have any questions about the CMI please email

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Events calendar

  • Autumn Lecture 2020: Professor Elroy Dimson

    Online webinar
    14 October 2020

    Spaces available

    Many individuals and institutions have a long-term focus, and invest funds for the benefit of future generations. Their strategy should reflect their long horizon. University endowments are one of the oldest classes of institutional investor, and I will present the first study of the management of these endowments over the very long term.

  • GIRO Conference 2020 Webinar Series

    Available to watch globally in November.
    02-13 November 2020
    Spaces available

    This year's GIRO has been re-designed as a virtual conference to offer members and non-members the opportunity to get up to date content from leading experts in the general insurance field via online webinars. All sessions will be recorded and made available to purchase and re-watch post-event on the IFoA's GI Online Learning Resource area

  • Life Conference 2020 Webinar Series

    16 November 2020 - 27 November 2020

    Spaces available

    This year's Life Conference has been re-designed as a virtual conference to offer members and non-members the opportunity to get up to date content from leading experts in the life insurance field via online webinars. All sessions will be recorded and made available to purchase and re-watch post-event on the IFoA's website.

  • Spaces available

    The webinar will discuss the challenges and opportunities schemes face in evaluating end game options, choosing a target state and understanding the impact this strategic decision could have on member outcomes long after the “end state” is reached. Adolfo, Kevin and Rhian bring over 60 years of experience in the industry and a variety of perspectives as scheme actuary, covenant adviser, trustee, de-risking adviser and insurer.

  • Spaces available

    Cash-flow driven investing is a game-changer for DB pension funds navigating their end-game. Suitable for sponsors who want to reduce risks on their balance sheets. And for trustees, it shifts the focus to providing greater certainty of returns, managing funding level volatility and ensuring they have enough income to pay cash-flow requirements.

  • Spaces available

    Patrick Kennedy, Partner at Gateley Legal and Founding Director of Entrust (a leading professional pensions trustee company), will be delivering an update on the latest legal developments during the course of 2020. With both a pensions legal perspective and over 25 years of trustee service, Patrick will seek to highlight how the letter of the law has continued to evolve against the backdrop of a difficult and challenging year

  • Spaces available

    The talk will provide an understanding of the priorities and relationships between deficit reduction contributions, in the context of wider scheme funding, and different types of value outflow from the employer based on the working party’s recently published report.