Spinning Your Life Insurance Away

Posted: November 29, 2022 by datechguy in Uncategorized
Tags: , ,

Here is a story you might have missed via the Hill:

Life insurers pay record death benefits in 2021

From the piece:

Life insurance payouts reached a new high in 2021, according to a leading trade association.  

New data released by the American Council of Life Insurers (ACLI) shows companies paid $100 billion to the beneficiaries of policyholders who died last year.  

That number is the highest amount life insurance companies have paid out to policyholder beneficiaries in a single year, according to a release from the ACLI.  

That data is not any surprise to those who have followed the mRNA shots and the VERAS information, and who have highlighted the “died suddenly” stories that the left has done it’s best to avoid, deny or suppress.

The problem becomes how does one spin this data to preserve the desired narrative, well apparently you do it like this:

And that spike is driven by two reasons: the disease’s presence resulting in more Americans purchasing life insurance and the sheer number of people who have died as a result of being infected with the virus.  

Given the age range of those who are dying from COVID this conclusion is laughable particularly when you compare the overall death rates in the country over the last 10 years.

Where the life insurance takes a hit is when young healthy people who are expected to live a lot longer die.

I wonder what might be causing that?

I predict that in the next few years, if it hasn’t started already, insurers will take into account if you have had the COVID shot when quoting you a rate and the unvaccinated will find themselves with a price advantage.

Unexpectedly of course


  1. harryvoyager says:

    I would expect the highest life insurance payouts to be from 40-50 year old workers. Most life insurance is tied to your current wage, and those are the people at their peak earning potential, but also the ones who’ve just entered the region were their physical robustness starts to decline.

    They’re also going to be the ones most critical to a company functioning because they’re generally the most experienced and productive members, and are not expected to need replacement for at least 10 years.

    It would be very interesting to see the age range of the excess deaths.