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2022-

2022-02-07 h
DOSE OF REALITY VIII
Long Funeral Homes, Short Life Insurers? Ex-Blackrock Fund Manager Discovers Disturbing Trends In Mortality

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:


(read more)

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