According to InsuranceNewsNet, insurers are especially concerned by data from the Centers for Disease Control and Prevention that show \u201cmortality rates alarmingly rising for different categories,\u201d including younger adult mortality rates that are up more than 20% above historic norms in 2023.<\/p>\n\n\n\n
By\u00a0Mike Capuzzo<\/strong>, The Defender’s Top News of the Day<\/a>.\u00a0<\/em><\/p>\n\n\n\n Executives at the largest insurance companies in the United States are alarmed that teenagers, young and white-collar Americans in the prime of life are inexplicably dying at a record pace, causing a \u201cmonumental outflow\u201d of death claims and drag on profits that is shaking the industry and causing some to take a fresh look at the problem.<\/p>\n\n\n\n According to an Oct. 26 report in InsuranceNewsNet<\/a>, U.S. insurance companies expected higher-than-normal payouts from excess deaths during the COVID-19<\/a> pandemic.<\/p>\n\n\n\n Insurers saw death benefits rise 15.4% in 2020, the biggest one-year increase since the 1918 Spanish flu epidemic, followed by a record $100.28 billion \u2014 nearly double the historic norm \u2014 in total death benefits paid out by the industry in 2021.<\/p>\n\n\n\n \u201cThe numbers were naturally forecasted to climb during the pandemic, but some industry and health authorities are concerned the rates haven\u2019t greatly diminished as COVID infection rates have declined,\u201d InsuranceNewsNet reported.<\/p>\n\n\n\n According to InsuranceNewsNet, insurers are especially concerned by data from the Centers for Disease Control and Prevention (CDC) that show \u201cmortality rates alarmingly rising for different categories,\u201d including younger adult mortality rates that are up more than 20% above historic norms in 2023.<\/p>\n\n\n\n The CDC numbers reported in August show the\u00a0death rate for Americans ages 15-45<\/a>\u00a0rose 20-24% above normal in 2020, and soared in 2021, to a nearly 30% death increase for 15-year-olds and a more than 45% increase for 45-year-olds.<\/p>\n\n\n\n Most troubling to insurers, CDC data reported in August<\/a> showed that Americans in the period January-May 2023 were still dying at abnormally high rates with the pandemic long over. Mortality rates were 25% higher than normal among 15- to 19-year-olds and 20% higher among 45-year-olds considered in the prime of life.<\/p>\n\n\n\n Even twenty-somethings were dying at a rate nearly 15% above normal and thirty-somethings at a pace 20% higher than usual, the CDC data show.<\/p>\n\n\n\n Samantha Chow, global leader for Life, Annuity and Benefits Sector at Capgemini, a large, multinational Paris-based consulting company, told InsuranceNewsNet, \u201cThe surge in excess deaths caught carriers off guard\u201d and the issue demands urgent attention by the industry.<\/p>\n\n\n\n The issue is, \u201cCan the industry handle a sudden spike in claims?\u201d She added, \u201cThe real concern for life insurers lies in preparing for an unexpected wave of death claims and the impact on their assets under management.\u201d<\/p>\n\n\n\n \u201cDo they have enough reserves to weather these outflows, given the excess deaths<\/a>? It\u2019s not just about death or health,\u201d Chow said. \u201cIt is about the industry\u2019s ability and readiness to manage this monumental outflow.\u201d<\/p>\n\n\n\n The excess deaths and the record drag on insurance company revenue and the predictive chaos in actuarial tables they represent, alarmed the Society of Actuaries<\/a> (SOA), the world\u2019s largest professional actuarial organization.<\/p>\n\n\n\n Excess mortality is defined as excess deaths<\/a> in a given population and time period above the expected number.<\/p>\n\n\n\n The SOA has conducted ongoing research since 2021<\/a> to gather \u201ca high-level view of U.S. Group Term Life Insurance mortality results during the COVID-19 pandemic\u201d compared to prior baseline results.<\/p>\n\n\n\n The SOA Research Institute<\/a> studied more than 2.7 million claims and over $120 billion in earned premiums reported by \u201c20 of the top 21 U.S. group term life insurers<\/a>\u201d in the U.S., representing approximately 90% of the employer-based group term life insurance industry.<\/p>\n\n\n\n In an August 2022 poll<\/a> among its more than 30,000 members worldwide, the SOA found that 85% of members thought excess mortality rates would continue to 2025. In August this year, the same poll found 79% believed excess mortality rates will continue through 2026.<\/p>\n\n\n\n Life insurance executives and actuaries told InsuranceNewsNet, \u201cThe numbers are alarming and could continue to drag earnings and surge death claims for years to come.\u201d<\/p>\n\n\n\n Society of Actuaries: no connection between historic death rates and COVID shots<\/strong><\/p>\n\n\n\n Yet in its latest report<\/a> issued in May, the SOA Research Institute found no connection between the historic U.S. death rates and insurance payouts starting in 2021 and COVID-19 vaccine mandates that rolled out the same year.<\/p>\n\n\n\n Chow blamed the excess deaths and claims on \u201cthe ripples of COVID-19 and its varying impacts, leading to higher rates of depression, suicide, and increased substance abuse.\u201d<\/p>\n\n\n\n Other insurance executives told The Wall Street Journal<\/a> they blamed \u201cdelays in medical care as a result of lockdowns in 2020, and then, later, people\u2019s fears of seeking out treatment and trouble lining up appointments\u201d for a surprising surge in non-COVID-19 death claims, especially heart and circulatory issues and neurological disorders.<\/p>\n\n\n\n But Dr. Pierre Kory, president and chief medical officer of the Front Line COVID-19 Critical Care Alliance (FLCCC<\/a>), who treats long COVID and vaccine-injured patients in his practice, called on insurance companies to work with media and governments and investigate the powerful evidence that countless deaths and disabilities are temporally linked to the COVID-19 mRNA vaccines and read the exploding science that pinpoints mRNA technology lethality.<\/p>\n\n\n\n In an interview with The Defender<\/a>, Kory cited the more than 1 million COVID-19 vaccine-linked injuries, disabilities and more than 30,000 deaths reported by doctors, nurses and others to the Vaccine Adverse Event Reporting System (VAERS<\/a>).<\/p>\n\n\n\n VAERS, run by the CDC and U.S. Food and Drug Administration, is the government\u2019s \u201cearly warning system\u201d to detect vaccine harms.<\/p>\n\n\n\n Dr. Peter McCullough<\/a>, one of the most highly published cardiologists in the world, pointed to a study of deaths after vaccination with detailed autopsies in Heidelberg, Germany. \u201cOf 35 fatalities within 20 days of injection, 10 were ruled out as clearly not due to the vaccine (eg drug overdose). The remaining 25 (71%) had final diagnoses consistent with a vaccine injury syndrome including myocardial infarction, worsening heart failure, vascular aneurysm, pulmonary embolism, fatal stroke, and vaccine-induced thrombotic thrombocytopenia,\u201d McCullough wrote.<\/p>\n\n\n\n He also cited his own systematic review<\/a> of \u201call autopsy studies that include COVID-19 vaccine-induced myocarditis as a possible cause of death\u201d that found that \u201call 28 deaths were causally linked to COVID-19 vaccination by independent adjudication.\u201d<\/p>\n\n\n\n Kory said a large and expanding volume of scientific literature has described the pathogenicity of the artificial spike protein<\/a>, unleashed by the mRNA injection into the body.<\/p>\n\n\n\n \u201cWe know from research on autopsy series that among those who died from the vaccine, spike protein was disseminated to all organs and vessels of the body,\u201d he told The Defender.<\/p>\n\n\n\n \u201cSpike-induced damage occurs by numerous mechanisms, including necrosis of vessel walls<\/a> leading to things like aortic dissection, inflammation of important organs, including the heart and brain causing myocarditis and cognitive deficits respectively,\u201d Kory said.<\/p>\n\n\n\n He also also cited \u201cfibrinoid aggregates circulating in the blood<\/a> causing poor perfusion in the microcirculation as well as hypercoagulability in the blood causing strokes and heart attacks, immunosuppression causing increased risk of infectious illnesses, and\/or reactivation of latent viruses.\u201d<\/p>\n\n\n\n Edward Dowd<\/a>, the former BlackRock fund manager who oversaw $14 billion in assets on Wall Street for the largest asset manager in the world, exposed the excess-death crisis in insurance-industry data in his December 2022 book, \u201c\u2018Cause Unknown\u2019<\/a>: The Epidemic of Sudden Deaths in 2021 and 2022.\u201d<\/p>\n\n\n\n Dowd told The Defender that according to insiders at one of the biggest insurance companies in the U.S., \u201cPeople in the industry know what\u2019s going on but nobody at the top\u201d is yet prepared to recognize it. \u201cThe CEOs and CFOs don\u2019t believe it\u2019s the vaccine. It\u2019s not that these people are evil. They\u2019re not separating facts from emotion.\u201d<\/p>\n\n\n\n Dowd added:<\/p>\n\n\n\n \u201cIt\u2019s not just that there\u2019s a vast conspiracy. There was this fear that generated a destruction of critical thinking. My ethics professor at Indiana University said you can\u2019t rationalize facts with someone whose position is based on emotion and ego.\u201d<\/p>\n\n\n\n <\/a><\/p>\n\n\n\n <\/a><\/p>\n\n\n\n \u201cThe Wuhan Cover-Up\u201d by Robert F. Kennedy Jr.<\/a><\/p>\n\n\n\n ORDER NOW<\/a><\/a><\/p>\n\n\n\n \u2018We don\u2019t have proof\u2019 yet \u2014 but data are \u2018persuasive\u2019<\/strong><\/p>\n\n\n\n In his book, Dowd reported on insurance industry research in 2016, which found that group life policyholders, whose health insurance is covered by Fortune 500 companies and tend to be younger and well-educated, were the healthiest Americans, dying at one-third the rate of the general U.S. population. The trend of greater white-collar health continued through 2020.<\/p>\n\n\n\n But in 2021, after the COVID-19 jabs were mandated across the Fortune 500, the trend flipped. Ages 25-64 of the group life policyholders suddenly experienced 40% excess mortality, compared to 32% in the general population.<\/p>\n\n\n\n Disabilities also soared after the COVID-19 shots, from an annual U.S. baseline of 29-30 million disabled to 33.2 million.<\/p>\n\n\n\n Dowd, who continues to research excess deaths and disabilities for his Humanity Projects<\/a>, told The Defender his new research, drawn from U.K. government statistics, shows deaths of schoolchildren went down in the U.K. in 2020 during the pandemic because the leading cause of death for children ages 1-14 is accidents.<\/p>\n\n\n\n With lockdowns and school closures, \u201cDeaths went down. But then they started to go up again in 2021, and they\u2019ve reached a new high in 2023 of 20%\u201d above normal, he said.<\/p>\n\n\n\n Dowd told Russel Brand<\/a> that such a huge jump in childhood deaths is \u201ca six-standard deviation from the norm. A standard deviation is basically a probability from normal. It\u2019s very unlikely.\u201d<\/p>\n\n\n\n A five-standard statistical deviation is so remarkably far outside the norm it \u201cwould be the equivalent of a 7-foot giant being born, or many of them,\u201d he said. \u201cThis is a six-standard deviation.\u201d<\/p>\n\n\n\n Down said he believes the COVID-19 vaccines are causing widespread, otherwise inexplicable, excess deaths. \u201cWe don\u2019t have proof. It\u2019s our thesis,\u201d he said. But \u201cif you have a brain in your head,\u201d the data are persuasive, he said. \u201cObviously I think it\u2019s the vaccines.\u201d<\/p>\n\n\n\n Mathew Crawford, a Texas-based statistician and finance specialist who spent years analyzing COVID-19 data for his Substack newsletter<\/a>, told The Defender the insurance industry has been in denial over growing evidence for vaccine-induced excess deaths for more than a year.<\/p>\n\n\n\n In March 2022, he said, the CEO of German health insurance giant BKK ProVita presented evidence that the vaccines had already killed tens of thousands of Germans<\/a>. He was fired the next day<\/a>, as the story vanished from the news.<\/p>\n\n\n\n In June 2022, Lincoln National reported a 163% increase in death benefits<\/a> paid out under its group life insurance policies in 2021.<\/p>\n\n\n\n In August 2022, Reinsurance Group of America\u2019s (RGA) financial reports<\/a> showed massive 2021 losses downplayed by the report authors, \u201cplus plans for new accounting methods that we should all be worried are designed to sweep iatrogenocide under the rug,\u201d Crawford said.<\/p>\n\n\n\n The SOA Research Institute report<\/a> that claims to exonerate the COVID-19 vaccines in excess deaths actually does the opposite, Crawford said. Among other evidence, he said, it \u201cshows group life insureds \u2014 particularly of working age \u2014 are seeing even more excess mortality than the larger U.S. population,\u201d and \u201cthe sharp numbers during Q3 2021 coincide with vaccine mandates for working age individuals.\u201d<\/p>\n\n\n\n The \u2018worm is turning\u2019<\/strong><\/p>\n\n\n\n But Dowd said he believes \u201cthe worm is turning\u201d on denial of vaccine harms.<\/p>\n\n\n\n He said he was optimistic that the work of Josh Stirling, founder of the Insurance Collaboration to Save Lives<\/a>, a nonprofit that aims to reduce mortality by providing life insurers with tests to screen policyholders for health problems, shows a \u201cbig tent\u201d is forming in the industry to tackle the problem.<\/p>\n\n\n\n \u201cI think the truth is coming out,\u201d Dowd said. \u201cThe stocks of Pfizer and Moderna continue to go lower. More and more people are getting disabled and injured over time.\u201d<\/p>\n\n\n\n He cited the Rasmussen poll<\/a> released Nov. 2 that found 24% of Americans \u201cbelieve someone they know died from COVID-19 vaccine side effects, and even more say they might be willing to become plaintiffs in a class-action lawsuit against vaccine makers.\u201d<\/p>\n\n\n\n The poll also found \u201cThere are almost no political differences on these questions,\u201d said Dr. Robert Malone<\/a>. \u201cFor example, 25% of Republicans say they know someone personally who died from side effects of COVID-19 vaccine, as do 24% of Democrats and those not affiliated with either major party. This is important \u2013 because this shows it is not a \u2018tribal\u2019 response. People from all walks of life are waking up.\u201d<\/p>\n\n\n\n Kory said insurance executives need to ask themselves, What explains \u201cthe sudden, unprecedented rise in life insurance claims in the 3rd quarter of 2021 among the healthiest sector of society?\u201d<\/p>\n\n\n\n Why were \u201cworking age, white collar Americans with group life insurance policies (i.e. largely Fortune 500 corporate employees)\u201d suddenly dying at rates significantly higher than before?<\/p>\n\n\n\n \u201cWhat happened in the white-collar workplace at that time?\u201d he asked.<\/p>\n\n\n\n Kory said the answer is clear<\/a>:<\/p>\n\n\n\n \u201cI will give you the only possibilities that could explain such a sudden rise: a series of terrorist attacks, wartime mobilization, or the proliferation of corporate vaccine mandates. As far as I can remember, only one of those events actually took place.\u201d<\/p>\n\n\n\n Kory and investigative reporter Mary Beth Pfeiffer in October published an op-ed in The Washington Examiner<\/a>, \u201cWhat\u2019s behind the spike in deaths among younger, working people?\u201d and another, in August, in USA Today<\/a> titled, \u201cMore young Americans are dying<\/a> \u2014 and it\u2019s not COVID. Why aren\u2019t we searching for answers?\u201d<\/p>\n\n\n\n \u201cDeaths among young Americans documented in employee life insurance claims should alone set off alarms,\u201d they wrote in USA Today. \u201cWeek in, week out, this unnatural loss of life is on the scale of a war or terrorist event.\u201d<\/p>\n\n\n\n \u201cLife insurance data show a massive spike in excess deaths among younger, working-age people that began in 2021, even as COVID-19 deaths decreased, and continues today,\u201d they wrote in The Examiner. \u201cSo far, good explanations are elusive. A concerted, bipartisan investigation should explore this threat to America\u2019s economic future and recommend a course of action.<\/p>\n\n\n\n <\/a><\/p>\n\n\n\n <\/a><\/p>\n\n\n\n Your support helps fund this work, and CHD\u2019s related advocacy, education and scientific research.<\/a><\/p>\n\n\n\n DONATE NOW<\/a><\/p>\n\n\n\n 5 takeaways from mortality report<\/strong><\/p>\n\n\n\n If the worm is turning, it\u2019s not evident in major media or government policy.<\/p>\n\n\n\n Associated Press fact-checkers rated as \u201cfalse<\/a>\u201d Kory\u2019s claim that \u201can increase in death benefits paid out by life insurance providers in the third quarter of 2021 in the U.S. provides evidence that the COVID-19 vaccines, which became widely available in 2021, led to a spike in deaths.\u201d<\/p>\n\n\n\n The AP said<\/a> the vaccines are proven safe and effective and \u201cinsurance industry leaders say the delta variant of the coronavirus and deferred medical care during the pandemic likely contributed to the increase in deaths.\u201d<\/p>\n\n\n\n The CDC says there is no evidence<\/a> that excess deaths are linked to vaccines. \u201cThese vaccines are safe and effective and have undergone the most extensive safety monitoring in U.S. history,\u201d a CDC public affairs specialist said.<\/p>\n\n\n\n The AP reported that death after vaccination remains extremely rare<\/a>, dismissing as not causally linked to the vaccines the unprecedented toll of deaths and injuries reported to VAERS.<\/p>\n\n\n\n Kory cited five takeaways that challenge that assumption from the mortality report<\/a> on excess U.S. deaths by the SOA Research Institute:<\/p>\n\n\n\n Kory said the major media silence on the issue and the SOA\u2019s \u201cstrong desire to not be drawn into any debates regarding\u201d COVID vaccine lethality,\u201d despite evidence unearthed by the society\u2019s research, is why he and Pfeiffer wrote the USA Today op-ed in the first place.<\/p>\n\n\n\n \u201cUnsurprisingly,\u201d Kory said, \u201cthe SOA does not attempt to interpret or even specifically mention the timing, suddenness, and magnitude of the rises in death claims of young, white-collar workers.\u201d<\/p>\n\n\n\n \u201cI would agree that it is not their job to do this, so the rest of us will,\u201d he said. The way forward is \u201csimply to ask if there were any other events preceding and during those massive spikes that could explain the rises. I can find no other rational explanation than the roll-out of vaccine mandates as the cause.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":" According to InsuranceNewsNet, insurers are especially concerned by data from the Centers for Disease Control and Prevention that show \u201cmortality rates alarmingly rising for different categories,\u201d including younger adult mortality […]<\/p>\n","protected":false},"author":2,"featured_media":8283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[776,149,332],"tags":[],"class_list":["post-8280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deaths","category-epidemiology","category-mortality"],"_links":{"self":[{"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/posts\/8280","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8280"}],"version-history":[{"count":0,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/posts\/8280\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=\/wp\/v2\/media\/8283"}],"wp:attachment":[{"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cov19longhaulfoundation.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n