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 dying at a record rate, causing a ‘monumental outflow’ of death claims and drag on profits that is shaking the industry and causing some to take a fresh look at the problem.
According to an October 26 report in InsuranceNewsNet, US insurance companies saw death benefits rise 15.4 per cent in 2020, the biggest one-year increase since the 1918 Spanish flu epidemic, followed by a record $100.28billion — nearly double the historic norm — in total death benefits paid out by the industry in 2021.
‘The numbers were naturally forecast to climb during the pandemic, but some industry and health authorities are concerned the rates haven’t greatly diminished as Covid infection rates have declined,’ InsuranceNewsNet reported.
It said that insurers are especially concerned by data from the Centers for Disease Control and Prevention (CDC) that show ‘mortality rates alarmingly rising for different categories’ including younger adult mortality rates up more than 20 per cent on historic norms in 2023.
The CDC numbers reported in August show the death rate for Americans aged 15-45 rose 20-24 per cent above normal in 2020, and soared in 2021 to a nearly 30 per cent death increase for 15-year-olds and a more than 45 per cent increase for 45-year-olds.
Most troubling to insurers, CDC data reported in August 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 per cent higher than normal among 15-19-year-olds and 20 per cent higher among 45-year-olds considered in the prime of life.
Even twenty-somethings were dying at a rate nearly 15 per cent above normal and thirty-somethings at a pace 20 per cent higher than usual, the CDC data show.
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 (SOA), the world’s largest professional actuarial organisation.
Life insurance executives and actuaries told InsuranceNewsNet, ‘The numbers are alarming and could continue to drag earnings and surge death claims for years to come.’
Yet in its latest report issued in May, the SOA Research Institute found no connection between the historic US death rates and insurance payouts starting in 2021 and Covid-19 vaccine mandates that rolled out the same year.
Samantha Chow, global leader for Life, Annuity and Benefits Sector at Capgemini, a multinational Paris-based consulting company, told InsuranceNewsNet that excess deaths and claims were due to ‘the ripples of Covid-19 and its varying impacts, leading to higher rates of depression, suicide, and increased substance abuse’.
Other insurance executives told the Wall Street Journal they blamed ‘delays in medical care as a result of lockdowns in 2020, and then, later, people’s fears of seeking out treatment and trouble lining up appointments’ for a surprising surge in non-Covid-19 death claims, especially heart and circulatory issues and neurological disorders.
But Dr Pierre Kory, president and chief medical officer of the Front Line Covid-19 Critical Care Alliance (FLCCC), who treats long Covid and vaccine-injured patients, 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 to read the exploding science that pinpoints mRNA technology lethality.
In an interview with the Defender, Kory cited the more than one 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).
Kory said a large and expanding volume of scientific literature has described the pathogenicity of the artificial spike protein unleashed by the mRNA injection into the body.
‘We 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,’ he told the Defender. ‘Spike-induced damage occurs by numerous mechanisms, including necrosis of vessel walls leading to things like aortic dissection, inflammation of important organs, including the heart and brain causing myocarditis and cognitive deficits respectively.’
Kory also cited ‘fibrinoid aggregates circulating in the blood 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.’
Dr Peter McCullough, one of the most published cardiologists in the world, pointed to a study of deaths after vaccination with detailed autopsies in Heidelberg, Germany: ‘Of 35 fatalities within 20 days of injection, ten were ruled out as clearly not due to the vaccine (eg drug overdose). The remaining 25 (71 per cent) 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.’
McCullough also cited his own systematic review of ‘all autopsy studies that include Covid-19 vaccine-induced myocarditis as a possible cause of death’ that found that ‘all 28 deaths were causally linked to Covid-19 vaccination by independent adjudication.’
Edward Dowd, the former BlackRock fund manager who exposed the excess-death crisis in insurance-industry data in his December 2022 book, ‘Cause Unknown’: The Epidemic of Sudden Deaths in 2021 and 2022, told the Defender that according to insiders at one of the biggest insurance companies in the US, ‘People in the industry know what’s going on but nobody at the top’ is yet prepared to recognise it. ‘The CEOs and CFOs don’t believe it’s the vaccine. It’s not that these people are evil. They’re not separating facts from emotion.’
Dowd added: ‘It’s not just that there’s a vast conspiracy. There was this fear that generated a destruction of critical thinking. My ethics professor at Indiana University said you can’t rationalise facts with someone whose position is based on emotion and ego.’
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 US population. The trend of greater white-collar health continued through 2020.
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 per cent excess mortality, compared with 32 per cent in the general population.
Disabilities also soared after the Covid-19 shots, from an annual US baseline of 29-30million disabled to 33.2million.
Dowd, who continues to research excess deaths and disabilities for his Humanity Projects, told the Defender his new research, drawn from British government statistics, shows deaths of schoolchildren went down in the UK in 2020 during the pandemic [and associated lockdowns] because the leading cause of death for children ages 1-14 is accidents.
‘But then they started to go up again in 2021, and they’ve reached a new high in 2023 of 20 per cent [above normal]’, he said.
Dowd told Russell Brand that such a huge jump in childhood deaths is ‘a six-standard deviation from the norm. A standard deviation is basically a probability from normal. It’s very unlikely.’ A five-standard statistical deviation is so far outside the norm it ‘would be the equivalent of a 7ft giant being born, or many of them,’ he said.
Dowd said he believes the Covid-19 vaccines are causing widespread, otherwise inexplicable, excess deaths. ‘We don’t have proof. It’s our thesis,’ he said. But ‘if you have a brain in your head’ the data are persuasive, he said. ‘Obviously I think it’s the vaccines.’
Mathew Crawford, a Texas-based statistician and finance specialist who has spent years analysing Covid-19 data for his Substack newsletter, told the Defender the insurance industry has been in denial over growing evidence for vaccine-induced excess deaths for more than a year.
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. He was fired the next day and the story vanished from the news.
In June 2022, Lincoln National reported a 163 per cent increase in death benefits paid out under its group life insurance policies in 2021.
In August 2022, Reinsurance Group of America’s (RGA) financial reports showed massive 2021 losses downplayed by the report authors, ‘plus plans for new accounting methods that we should all be worried are designed to sweep iatrogenocide under the rug’, Crawford said.
The SOA Research Institute report that claims to exonerate the Covid-19 vaccines in excess deaths actually does the opposite, Crawford said. Among other evidence, he said, it ‘shows group life insureds — particularly of working age — are seeing even more excess mortality than the larger US population’ and ‘the sharp numbers during Q3 2021 coincide with vaccine mandates for working age individuals’.
Dowd believes ‘the worm is turning’ on denial of vaccine harms.
‘I think the truth is coming out,’ Dowd said. ‘The stocks of Pfizer and Moderna continue to go lower. More and more people are getting disabled and injured over time.’
He cited the Rasmussen poll released on November 2 that found 24 per cent of Americans ‘believe 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.’
Dr Pierre Kory said insurance executives need to ask themselves: ‘What explains the sudden, unprecedented rise in life insurance claims in the 3rd quarter of 2021 among the healthiest sector of society?’
Why were ‘working age, white collar Americans with group life insurance policies (i.e. largely Fortune 500 corporate employees)’ suddenly dying at rates significantly higher than before?
Kory said the answer is clear: ‘I will give you the only possibilities that could explain such a sudden rise: a series of terrorist attacks, wartime mobilisation, or the proliferation of corporate vaccine mandates. As far as I can remember, only one of those events actually took place.’
He pointed out that excess deaths are a global phenomenon. The UK also saw ‘more excess deaths in the second half of 2022 than in the second half of any year since 2010’, according to the Institute and Faculty of Actuaries. In the first quarter of 2023, deaths among people 20-44 years old were akin to the same period in 2021, the worst pandemic year for that age group, UK actuaries reported. In Australia, 12 per cent more people died than expected in 2022, according to that nation’s Actuaries Institute. A third of the excess was non-Covid deaths, a figure the institute called ‘extraordinarily high’.
A longer version of this article appeared in the Defender on November 6, 2023, and is republished by kind permission.