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).
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.