Doesn’t seem that strange to me.
When you apply for insurance you have to reveal any pre-existing conditions. So if you know you have Covid, you’d have to reveal that.
But if you don’t know, then you’re odds of dying is 1.6% across all ages. They probably aren’t writing you insurance in your 70’s or 80’s, so you’re odds of dying is less than 1.6%. It’s been a year and only 10% of the nation has gotten covid. Arguably because of the social distancing and masks and work from home.
So the odds of a new customer dying from covid is <1.6% * 10% = 0.16%. 99.84% of the time, the insurance company will be able to collect the premium and not have a payout for years or decades.
3,500,000 global CCP virus deaths out of a population of 7,900,000,000 = 0.05%, and the average age was 80.
The overwhelming number of the people who died were obese and old and had one foot in the grave and the other on a banana peel.
There is data that suggests the real infection number is twice the official number. I guess lots of mild cases or asymptomatic cases where the people didn’t even bother or have reason to get tested. This data comes from the Red Cross which tests blood donors for antibodies and they found 20% of unvaccinated donors had antibodies.
So if the official infection rate is double, that means the overall fatality rate is half.
We threw most common sense out the window long ago. Protect the vulnerable. Isolate the sick. Same as we humans have been doing for 100s if not 1000s of years.