Women face less risk than men of incurring a critical illness.

In a first national study, the American Association for Critical Illness Insurance (AACII) reveals the likelihood of incurring a critical illness for men and women up to age 55.

AACII's first National Critical Illness Risk Assessment Study, prepared by actuarial firm Milliman Inc., found non-smoking women are at significantly less risk than their male smoking counterparts. While nearly half (49 percent) of 35-year-old male tobacco users will incur a critical illness before age 65, only 35 percent of female smokers will, according to the report.

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