The statistics used by the risk check calculator give a reasonable guide to the average
likelihood of one of the described events happening based on a large number of people.
However, Aviva also recognise that individually everyone is unique and as such, the
results should be used as a rough guide and preferably talked through with a qualified
financial broker.
The calculator results give the probability of one of the described events happening between
the current age and the chosen retirement age - between 55 and 70 years of age. The
longer the period of time until the chosen retirement age, the higher the percentage chance
of something happening and therefore, the higher the calculator results will be.
If two people are selected, the results given are for the couple, with the probability of
the described events happening either to one person, or both assuming independent lives. The
probabilities for each person in the couple could be based on different periods of time
depending on the current age and chosen retirement age entered to determine the period of
calculation.
The probabilities have been calculated using our interpretation of industry available
statistics combined with our own experience. They are based on the insured population rather
than the general population. The income protection probabilities are based on the member
being at least three months out of work and are based on our most common occupation class.
