Life-Insurance Payouts Hit Record $100 Billion in 2021

wsj.com ^ | Nov. 28, 2022 | Leslie Scism

[ransomnote]

Covid-19 deaths likely fueled an increase in death-benefit payments

U.S. life insurers paid a record $100 billion in 2021 in death benefits, fueled by another year of Covid-19 deaths, an industry trade group said.

Payouts rose 11% in 2021 to $100.19 billion, most likely due to the pandemic, according to the American Council of Life Insurers. The increase was on the heels of a 15% year-over-year rise in 2020, when death-benefit payments totaled $90.43 billion.

The ACLI compiles data from annual filings by insurers to state insurance departments. Given limitations in the filings, the group can’t break down causes of death, but it is reasonable to attribute the bulk of the increases to the pandemic, said Andrew Melnyk, ACLI vice president of research and chief economist.

The year-over-year increases are among the largest since the 1918 flu pandemic, when payments surged 41%. They are far above the 4.9% average from 2011 to 2021, the ACLI said.

Covid-19 deaths in the U.S. jumped 20% in 2021 to approximately 460,000, according to data from the U.S. Centers for Disease Control and Prevention. Deaths trended younger as the Delta variant raced through the country, though older Americans still largely were the victims.

    MORE AT LINK: Life-Insurance Payouts Hit Record $100 Billion in 2021

[ransomnote]

"Deaths trended younger as the Delta variant raced through the country, though older Americans still largely were the victims."

[ransomnote]

COVID ‘vaccine’ PING

[MtnClimber]

[rktman]

How many un-confirmed suicides, elective surgery denials, CONvid vax side effects, etc in those numbers.

[ChildOfThe60s]

Wasn’t that offset somewhat by the near zero flu deaths experienced? At least that’s what our Lords and Masters tell us. A year ago they were claiming that we had eradicated the flu. Now they’re out there pushing the idea of combination covid / flu shots. I don’t think most of the people in this country can remember anything further than 6 months back. I think all these people wear masks because that way you won’t be able to see them drooling.

[TexasFreeper2009]

Democrat is president so reporting the death count doesn’t seem to be important anymore

nearly 1.1 million now, most under Biden

[TheBattman]

Lots of misinformation - the actual insurance actuary managers have repeatedly stated that the COVID deaths did not make the biggest impact on “excess deaths” - It is the other deaths (including what has been called sudden death primarily in vaccinated individuals).

[TheBattman]

https://www.thegatewaypundit.com/2022/11/shock-report-executive-ed-dowd-actuaries-continue-see-elevated-millennial-deaths-year-since-introduction-forced-vaccines-36-august/

[Jane Long]

Related.....

Actuaries Continue to See Elevated Millennial Deaths this Year Since Introduction of Forced Vaccines – Up 36% in August

gatewaypundit ^ | November 28, 2022 | Ed Dowd -— Jim Hoft
Posted on 11/28/2022, 10:32:18 AM by dennisw

(2 minute video at source)

Ed Dowd joined Steve Bannon on The War Room on Frank Speech recently to discuss the excess mortality rates we are witnessing following two years of the COVID vaccine mandates.

Ed Dowd, an equity investment executive, joined The War Room back in March with an explosive report on the excess number of deaths recorded in the US since the introduction of the experimental vaccines. Back in March Dowd said that U.S. millennials, aged 25-44, experienced a record-setting 84% increase in excess mortality during the final four months of 2021.

It's still happening! According to Ed Dowd, the latest numbers from August show an excess mortality rate of 36% for millennials.

Ed Dowd: This is the biggest crime I've seen in the history of my career. And it's the greatest asymmetric information gap I've ever seen. Meaning, we on the War Room know it. You know it. Lots of people know it. Some of the lawmakers I talk to know it. But 90% of the globe has no idea what just happened to them. We're still seeing as of August of this year 36 percent excess mortality, I've seen the society of actuary numbers. They don't publish them regularly, they only publish them annually… 2022, the month of August, 36% excess mortality rate for millennials. So it's still going on, Steve.

It boggles my mind. And the lack of noise we're hearing on this, the crickets we're hearing from the health institutions, and politicians, and the drug makers… They know what we know. I'm calling it a cover-up. I'm calling it criminal negligence at this point....

https://freerepublic.com/focus/f-news/4112361/posts

~~~~~

Also....check, and, compare your local obits....to the average numbers of, say, three to five years ago.....take note of ages, as well.

While you're at it.....see if job listings for embalmers have increased in, say, the last two years.

🤷‍♀️

[blackdog]

Insurance companies need to be responsible and file suit to recover damages. The NIH, CDC, DOH, Fauci, Pfeifer, Moderna, United Nations, as individuals and as standing entities.

[Presbyterian Reporter]

“””Payouts rose 11% in 2021 to $100.19 billion, most likely due to the pandemic,”””

---

Not surprising to see the Wall Street Journal running cover for big pharma. WSJ gets a bunch of advertising dollars from Big Pharma and money does influence people.

[Red Badger]

You’re baaaaad......................

[mewzilla]

As an Oncologist I Am Seeing People With Stable Cancer Rapidly Progress After Being Forced to Have a Booster

[mewzilla]

Houston, We Have a Problem (Part 1 of 3)

[mewzilla]

Houston, The CDC Has a Problem (Part 2 of 3)

[flamberge]

It is the other deaths (including what has been called sudden death primarily in vaccinated individuals).

What the actuary managers will not state is the correlation between patient mRNA treatments and the "Died Suddenly" effect in the following 3-12 months. They have good reason to be very careful in what they will not say.

TLDR? It's the "vax" that is causing the effect.

Every major insurance company has proprietary actuarial studies with large enough sample sizes to be confident of the conclusions. Yes, some of them even have access to their customer's vaccination status and can make direct analysis of the correlation with "Died Suddenly". Others have indirect methods which can infer the correlation.

The actuaries can tell you to 4 decimal places what the correlations are - and what the life expectancy is for patients by number of treatments and starting age. No, they aren't going to release those studies to the public. The conclusions are way too toxic.

But insurance companies are not in business to lose money. Companies are quietly and substantially reducing payouts for group insurance plans when they come up for renewal. It is less obvious than raising rates. They are also raising rates for certain policies. The 16-49-year age groups are the ones most affected.

The loss of too many people who should be in their prime working years is going to leave a mark.

[Tymesup]

It’s possible there was more insurance in force in 2021 than 2020. This would have increased payouts. (People may have decided Covid was a good reason to buy.)

It’s likely the population was larger.

It’s possible the population was older. Given life expectancy appears to have gone down, not likely. Given Covid affected older individuals disproportionately, not likely.

It’s possible the numbers are wrong, not likely. Or they’re lying, not likely.

Given the experimental jabs were available for 2021, they don’t seem to have reduced mortality.

[Tymesup]

The current issue of an actuarial magazine, Contingencies, has an ad for a climate risk analyzer. It features a polar bear standing on some ice surrounded by a mix of ice and water. No mention that bear populations have increased.

Some references to Covid in the issue, but no articles.

I’m not expecting the profession to blow the lid off excess mortality or experimental jabs. The embalmers are louder.

[Keyhopper]

I can this coming
Life insurance company says, sorry we’re denying your claim as you voluntarily took an experimental drug.
Health insurance company says, you’ve reached you maximum cap for the year so you’ll have to go on social security.
Social security says, you have chest pains, a take some aspirin and call us if it gets worse.

[flamberge]

Given Covid affected older individuals disproportionately, not likely.

That should not be assumed.

COVID has been a small blip on the mortality rates for the 65+ set. That age group has a naturally higher mortality rate. And much of death rate attributed to COVID was actually the normal date rate for the Flu. The Flu did not go away in 2020. Or 2021. Or 2022.

Even deaths from motorcycle accidents and car wrecks were attributed to COVID. Hospitals got paid extra for that finding. Big surprise there. They found more COVID.

Whatever COVID did to seniors gets lost in the noise level. All respiratory infections are bad for seniors. The mRNA treatment does not prevent COVID infections and does not lessen the severity of those infections.

There are indications that the treatment actually increases the frequency of COVID infections.

The really big change in mortality rates has been in the 16-49 age group. That was clearly not from COVID but tracks horribly well with the take-up rate for the mRNA treatments. The insurance company actuaries know exactly how well it tracks.

"Correlation does not prove causation". Well, maybe not in a court of law, but watch what the insurance companies are doing. They are using "shrinkflation", where the same premium payment buys a policy with a lower payout. In some limited cases, they are directly raising premiums. What they will not be allowed to do is charge higher rates for "vaccinated" customers. So, they will just charge more to all their customers.

It’s possible the numbers are wrong, not likely. Or they’re lying, not likely.

You are far more optimistic than I am. Thousands of adverse incident reports have been deleted from VAERS without announcement or explanation. The people who follow such things check the details every week and can list the deleted entries. Perhaps the authorities thought that no one would notice.

I believe the numbers may be wrong and the authorities are lying about them.

"I'm shocked, shocked to find that gambling is going on in here!" (Captain Renault - Casablanca)