On the one hand, Scott Davison of the OneAmerica insurance firm reported that the company had seen "the greatest mortality rates in the history of our business—not just at OneAmerica," with a 40% increase in pre-pandemic death rates. Davison found that the majority of fatalities were not attributed to Covid-19, which is surprising.

Vaccination injury reports and actuarial data have now spilled over, and it's starting to demonstrate, among other things, that younger, working-age people started dying in increasing numbers as vaccine requirements struck - for a disease that typically kills older, non-working-age folks, the inference was plain. The opposing view, which is often advanced without supporting facts, asserts that the rise in cases is the result of individuals delaying necessary medical care during the epidemic.

In the first camp, former Blackrock investment manager Ed Dowd has been examining factors linked with an increase in excess mortality compared to levels before the outbreak. Given that we're in the thick of earnings season, there are some troubling crumbs coming out of the insurance and burial service businesses.

A few essential points:

Despite extensive immunization, mortality increased in 2021 compared to 2020.

Vaccine requirements have been linked to an increase in mortality among younger, working-age adults.

In Q3 2021, when Covid fatalities were exceptionally low, there was an increase in the number of younger deaths (but rising into the end of September)

Despite widespread vaccinations, financial insurance firm Unum said on Tuesday that their Life sector had a 9 percent rise in the ratio of payments to premiums (Benefit ratio) and a 17.4 percent increase in 2021 compared. 2020.

On Wednesday, Dowd reported that Carriage Services witnessed a 28% growth in September 2021 compared to 2020, and a 13% increase in August. The number of funerals and cremations has risen by 12% and 13%, respectively, in the first quarter.

Generally speaking, funeral houses reported an increase in business in the third quarter, and Dowd will be keeping a close eye on the results of the fourth quarter, which are anticipated on February 15.

On Wednesday, Dowd also reported that Lincoln National's death claims are up 13.7 percent y/y, and up 57 percent in Q4 vs. 2019, respectively. According to CFO Randy Frietag, who spoke to investors on Thursday, the number of young people dying from Covid would treble by 2021.

Although Covid-19 vaccinations have been available for more than a year, Reinsurance Group of America mentioned in their results conference on Thursday that Q4 was adversely affected by a significant amount of Covid-19 mortality claims.

Hardford Insurance Group also noted a rise in the number of fatalities among children and adolescents that peaked in the third quarter of 2022, reporting that mortality is up 32% from pre-covid levels in 2019 and 20% from pre-vaccine levels in 2020.

In a recent interview on Steve Bannon's "War Room," mRNA inventor Dr. Robert Malone emphasized the worrisome data:

Some critical questions for the insurance firms include:

What are the most common causes of death in 2020 and 2021, respectively?
Do you know how many of the people who died had been immunized?

For example, Reinsurance Group of America claimed a profit in Q4 2020 when most of the population was unvaccinated and during a more dangerous Covid-19 strain, but they declared a loss in Q4 2021 when more than 60% of the nation had been vaccinated and fewer people were infected with Covid-20 (and around 75 percent who have received at least one dose).

If so, it's understandable that the pharmaceutical behemoth, along with its colleagues, has legal protection from vaccination harms and is now aggressively seeking to hide FDA-approved study data.