Four weeks ago, OneAmerica insurance company CEO Scott Davison revealed that they had witnessed ‘the highest death rates in the history of this business – not just at OneAmerica’ with a jump of ‘40% over what they were pre-pandemic.‘ Interestingly, Davison noted that the majority of deaths are not classified as due to Covid-19.
The implication to many was clear – that the Covid-19 vaccine is linked to the excess mortality, and months of vaccine injury reports were now spilling over to actuarial data – which is beginning to show, among other things, that younger, working-age people began dying in greater numbers as vaccine mandates hit – for a disease which primarily kills older, non-working age individuals. The counter argument, often presented without evidence, is that the increase is due to people who postponed elective surgeries and other medical treatments during the pandemic.
Ex-Blackrock fund manager Ed Dowd is in the former camp, and has spent the last month analyzing breadcrumbs associated with a rise in excess mortality vs. pre-pandemic levels. Given that we’re now in the middle of earnings season, there are some pretty big crumbs rolling out of the insurance and funeral services industries which are beginning to paint a disturbing picture.
A few key observations:
- Mortality worsened in 2021 vs. 2020 despite widespread vaccinations
- A spike in Mortality among younger, working-age individuals coincided with vaccine mandates
- The spike in younger deaths peaked in Q3 2021 when Covid deaths were extremely low (but rising into the end of September)
On Tuesday, financial insurance company Unum reported that their Life segment saw an increase of 9% in their ratio of payouts vs. premiums (Benefit ratio), a 17.4% increase in 2021 vs. 2020 despite widespread vaccinations, and a 13.3% increase over 2019.
On Wednesday, Dowd noted that funeral home company Carriage Services saw a 28% increase in September 2021 vs. 2020, and a 13% increase in August vs. the same period. Funerals and cremations are up 12% and 13% respectively on the quarter.
In general, funeral homes saw an uptick in business in Q3, and Dowd will be closely monitoring Q4 reports which are expected around Feb. 15 – less than two weeks away.
Dowd also noted on Wednesday that Lincoln National’s death claims are up 13.7% y/y, and up 57% in Q4 vs. 2019. CFO Randy Frietag explained on Thursday that in 2021, the share of young people dying from Covid doubled in the second half of the year.
Meanwhile, Reinsurance Group of America noted in their Thursday earnings call that Q4 was impacted by a meaningful level of Covid-19 mortality claims despite the fact that the Covid-19 vaccines have been around for more than a year.
Also noting a spike in younger deaths which peaked in Q3 2022, is Hardford Insurance Group, which reported that mortality is up 32% from 2019 pre-covid levels, and 20% from 2020 pre-vaccine levels.
mRNA inventor Dr. Robert Malone noted the troubling data in a recent appearance on Steve Bannon’s “War Room”:
Some key questions for the insurance companies:
- What are the leading causes of death for 2020 and 2021?
- How many of those who died were vaccinated vs. unvaccinated?
Reinsurance Group of America, for example, reported a profit in Q4 2020 when the most of the population was unvaccinated and amid a deadlier strain of Covid-19, yet they registered a loss in Q4 2021 with more than 60% of the country fully vaccinated (and around 75% who have received at least one dose).
Perhaps this is why Pfizer is now actively fighting to suppress research data submitted to the FDA for approval – while the pharmaceutical giant and its peers continue to enjoy legal immunity from vaccine injuries.
In closing, some tongue-in-cheek non investment advice from Dowd:
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Anyone getting life insurance payouts better spend it on food(All types), cartridges ( bullets, shells, powder, primers and reloading capabilities), firearms, and perking land.
Don’t waste it giving it to a funeral home.
And not necessarily in that order.
And a shovel or two to bury the “lucky” (depending upon your definition) bugger who’s not going to be here to witness the greatest, or worst, catastrophic manmade disaster since the last ice age, over the next decade or so.
Good luck and better prepping, y’all.
We’re gonna need it!!!!
Q3 2022?
Ouuu, I missed that. Good catch!
SCI (Service Corporation International) is about 12 times the market cap of CSI (Carriage Services Inc.), has half the P/E ratio, nearly 3 times the profit margin, and 12 times the total revenue.
Going long death is probably not the worst idea.
Sorry, meant CSV (company mentioned in the piece).
Funeral service providers (public) carry exorbitant levels of debt. Buying a company with debt is always playing with a loaded revolver. For what it’s worth.
Basically why I sold my US government savings bonds.
I don’t understand your comment. Just wondering why you’re comparing the data of the two funeral services companies to each other and not comparing them to the life insurance companies?
He’s just figuring out which of the 2 to invest in.
Interestingly enough, was having this discussion yesterday with coworkers.
Life insurance companies can’t control who gets the jab and who doesn’t. The details of payouts and liability for murder haven’t all been worked out yet. The body will always need to be put into the ground or the oven however. And the article focused on one of the three big players in the publicly traded market, and I wanted to highlight the biggest. Have been thinking about them for some time now. Stock is down from its highs, but up over the past two years. I especially like that they have a good crematoria presence as traditional funerals will be financially out of reach of many going forward.
OK, I get it. I just didn’t understand the way you worded it. Need more coffee…
Just another variable that points to the well articulated plan of them crashing the system and providing all the fucking retards a savior like how they still worship baby murdering Trump.
The insurers are refusing to pay on life insurance saying that if the deceased volunteered for the experimental shit shots , they consider it suicide. Who knows where that will end up.
It would be great to see either hoards from Mutual of Omaha or huge groups of citizens, descending on the headquarters of Pfizer or Moderna and going on a mass killing spree, but I doubt such wonderful things will happen.
bl,
don’t troll these guys,you lnow that benes will be paid–
This is definitely something to keep an eye on. Technically, they can refuse to pay out on life insurance if it can be shown the death was caused by an experimental medical procedure. However, it gets tricky when same insurer is mandating it’s employees to take an experimental procedure.
Bail out incoming?
Look at the graph closely and note even without the hump the trend line is up.
Seem to remember something about ins companies exposure that lead to the 08 downturn.
The only logical explanation is something new on the scene and it begins with the letter “C”. It can only be…
That’s right….. climate change.
Is there anything it can’t do?
Stop the blizzards from hitting the North East US. Can’t do that.
I know this may not get great reviews but, does this mean we should invest in caskets & related items. If this intentional kill off doesn’t open the eyes of the people maybe some gallows humor will do the trick.
MEMORIALS4U
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Out of stock
I much prefer carved wood.
Plenty in stock.
No. The “people”(?) in charge have always shown a preference for mass graves.
Look for Badfinger to mandate life insurance payouts to those that took ClotShot. They mandated health insurance cover birth control so they certainly feel it is within their authority to mandate things to private business.
My life insurance has gone from $75 a quarter to $1800 a quarter. I thought it was because I turned 60, guess not my wife’s went up too from $55 to $899. That Viking funeral is looking better all the time now.
Ahhhhh. The power of words.
Can’t believe anyone out there thinks it is a vaccine.
Intentions have been clear since the beginning.
Good to see someone is following my suggestion that we start following what the insurance companies are reporting.
I suggested sometime ago following funeral homes now insurance companies are worth looking at as it is getting harder to hide the truth about the danger the government has forced on the people.
“What are the leading causes of death for 2020 and 2021?
How many of those who died were vaccinated vs. unvaccinated?”
These are easy questions for life insurance companies to answer and would take less than an hour for one of their data analysts to compile. My question is, why won’t they do this simple task?