As per ERC Frankona, one out of every three men may suffer from a critical illness such as heart attack, cancer or stroke before reaching the age of 65. Women may also endure the same fate, the chances being 1 out of every 5 women. Breast cancer may be one of the most common critical illnesses in England and Wales affecting most women. Around 36,000 new cases of breast cancer may have been diagnosed among women in the year 2000. More precisely, 114 out of every 100,000 women may have contracted this critical illness. Subsequently, the death of nearly 11,000 women may have been caused to breast cancer in England and Wales in the year 2002.



Moreover, the evolution of a critical illness such as cancer had been analysed over a 13 year period that is from 1980-1992. The report provided figures for both men and women. According to Cancer statistics registrations (Office for National Statistics, 1980-1990); ONS Monitor (1991, 1992), during the year 1980, around 400 out 100,000 men may have been victims of a critical illness such as malignant neoplasms. During the same year, about 380 out of 100,000 women may have also suffered from the same critical illness. This cancer rate continued an ascent as in the year 1988, a peak may have been suddenly reached. Therefore, nearly 490 over 100,000 men may have contracted malignant neoplasms while 470 out of 100,000 women may have suffered from the critical illness at the same time.

Furthermore, as per Cancer statistics registrations (Office for National Statistics, 1980-1990); ONS Monitor (1991, 1992), another critical illness that prevailed mostly among men may have been lung cancer. Statistics showed around 110 out of 100,000 men suffering from this critical illness during the year 1992. Besides, another critical illness named as prostatic cancer may have made around 39 over 100,000 men patients in the year 1980. Additionally, the value then may have gradually increased to 60 out of 100,000 men in the year 1992. Then appeared a critical illness such as colon cancer. But the disease may not have made many victims. Thus in the year 1992, around 25 out of 100,000 women may have contracted this critical illness while 38 out of 100,000 men may have had the same fate.

Additionally, according to the Office of National Statistics, around 80 percent of women aged between 50-55 may have developped a breast cancer. The high value noticed concerning this critical illness may have been the due to many women tested for the first time. Back during the 1940's and 1950's the rate of critical illness among women at that time may have been low. It was not long before the critical illness reached a peak in the year 1980 and then lowered once again in the year 1990. On the other hand, the death pattern among men was the contrary. It rose to the 1970s and then continuously lowered from the 1990s.

These statistics may have helped to show the fact critical illness cover may have indeed come to the aid of lots of people by paying out a lump sum.