In Case You've Wondered

My blog is where my wandering thoughts are interspersed with stuff I made up. So, if while reading you find yourself confused about the context, don't feel alone. I get confused, too.

If you're here for the stories, I started another blog:

One other thing: sometimes I write words you refuse to use in front of children, or polite company, unless you have a flat tire, or hit your thumb with a hammer.

I don't use them to offend; I use them to embellish.

Monday, January 3, 2022

Covid and Insurance

 Actuaries crunch numbers, assess risk, and insurance companies adjust their rates to compensate for increased risk. It's how they stay in business, and regardless of opinion, the numbers they use are based on math that is statistically accurate. 

So, with the increase of life insurance payments for low risk individuals that were given the jab, when will that be a critical question for those seeking life insurance? How will this affect their rates, since they became a high risk group? What about health insurance? When will the lying start to prevent increased rates due to a Covid inoculation? Cold, hard facts will be presented, when the demand for increased premiums is presented. Will the government try to cover the losses to save their ass? Time will tell.


  1. I thought you meant "health insurance". The stuff I and my employer pay for that won't pay for a doctor that will prescribe Ivermectin.
    Or pay for the Ivermectin.
    But will pay for a tube down my throat as I choke to death.

    1. All insurance will be effected as more facts about the inoculation are presented. Long term problems may make insurance unaffordable, which will lead to more government intervention. That may have been the goal all along.

  2. That's an interesting point.
    Insurance companies are now very powerful. They have influenced many aspects of our daily lives, and now are on the verge of controlling (or participating in controlling) even more.

    1. I imagine huge amounts are invested by Congress critters in insurance companies. They'll protect their investment, and the taxpayers be damned.

  3. There’s a secret killer lurking out there somewhere. It’s the story of a LIFETIME. The fact that the media refuses to even acknowledge it exists is troubling...
    An insurance company executive to break the story...
    Yesterday, life insurance company OneAmerica’s CEO Scott Davidson told the Indiana Chamber of Commerce that deaths among working-age people are off the charts !!!
    OneAmerica is a $100 billion Indiana-based life insurance company with 2,400 employees that started in Indianapolis right after the Civil war.
    “[W]hat we saw just in third quarter, we’re seeing it continue into fourth quarter, is that death rates are up 40% over what they were pre-pandemic,” Davidson explained. He said the deaths were “huge, huge numbers,” and not in the elderly or infirm, but “primarily working-age people 18 to 64.” Most of the filed deaths claims are NOT Covid deaths, Davison said ... 🤔
    A 40% jump in all-cause deaths is a problem for a lot of reasons, but for a life insurance company, it could be devastating. Actuarially, working-age people are supposed to be dying in very SMALL numbers. Instead, what the insurance companies are seeing is comparable to four “black swan” disasters happening simultaneously !
    “Just to give you an idea of how bad that is, a three-sigma or a one-in-200-year catastrophe would be a 10% increase over pre-pandemic,” Davidson explained. “So 40% is just unheard of.” In other words, it’s never ever happened before — mortality rates in younger people comparable to four simultaneous two-hundred-year catastrophes !!!
    What could be causing this? There are some clues. Davidson also said that the company is seeing an “uptick” in DISABILITY claims, saying at first it was just short-term disability claims, but now long-term disability claims are also trending up. So, while we can’t say for SURE that the injections are causing excess deaths, whatever is killing folks appears to be something that ALSO causes some people to become DISABLED. Whatever could that be? It’s a mystery. Could it be injections and government policy ... 😠
    It may be that the government and media are trying to hide the non-Covid deaths numbers, but OTHER folks — like insurance companies — are also carefully tracking the same data. Their businesses depend on it. Lots of insurance companies are publicly traded and by law must report financial performance to shareholders — including things like trends in claims paid and identified financial risks.
    You know, it would be prudent for anyone getting the jabs — whether the first ones, the third booster, or the fourth, fifth, or sixth boosters — to get their disability and life insurance in order before getting the next shot.
    Maybe it’s time to short-sell some publicly-traded life insurance company stock. 😉

    1. Regardless of government intervention, the dangers of the jab can't be hidden forever, and expensive reactions will be the result.

  4. It's getting to the point where "the man behind the curtain" is all too visible. If Brandon only had a brain. Or a heart. Or courage.

    1. Brandon has the best opportunity to right a wrong. We'll see what happens, but tens of millions are determined to not take this laying down.