Spike in Middle-Aged Deaths Poses Conundrum for U.K. Insurers
An unusual spike in deaths among middle-aged Britons, particularly in the 40-44 age group, is impacting the profits of insurers Aviva Plc and Legal & General Group Plc. Bloomberg has the details.
The mortality rate for 40- to 44 year-olds worsened the most in the first half of 2023, analysis of Office for National Statistics data showed. The number of age-standardised deaths per 100,000 rose 6% in the same period, following two years of declines.
This marks a potential turning point for the age-standardised mortality measure, which has been steadily improving since the 1990s. BI analysts wrote they expected the new trend to be sustained for the full year, though the underlying reasons for the change were unclear.
Baffling. ‘The Science’ is confused. Spiking Middle Age deaths from bacon, gardening, eating pizza and watching endless footie, the climate thingy zingy ? Surely not the holy injectable stabbinations? Nah. Just a mystery for ‘The Science’.
Maybe insurance companies should charge a higher premium for those who took the experimental jab?
It will probably never happen. They will be coerced into accepting lower profits than blaming the obvious cause.
No. They’ll raise premiums for everyone. They won’t be allowed to discriminate.
CircusSpot
2 years ago
The insurers must have run through the medical histories by now.
It will be interesting to see if future higher premiums are linked to the dodgy batch numbers and whether any whistleblower spills these beans.
This is my chart of banded excess 5 year age group mortality for 2020, 2021, 2022 and 2023 relative to 2015-2019 for England and Wales using the ONS weekly data. These are adjusted for population in these age groups. They also allow for mortality improvements of 1.2%pa (the ONS long term improvement assumption for all banded age groups which reflects what was happening up to 2019) On that basis the excess mortality in say the 40-44 year age group has been around 20% more than an insurer might have predicted back in 2019, since 2021 (remind me what happened then) and looks set to continue. This can be allowed for by insurers in pricing new life assurance policies but existing life policies (whole life, or term assurance) taken out before 2020 may have been underpriced and result in losses in relation to this subset of policies. I can’t see differential pricing for new life assurance for those in their 40s based on vaccination status for obvious reasons. However those injured by the vaccines may now have pre-existing conditions that they wouldn’t have had but for the experimental vaccines which will now be taken into account when they are offered life… Read more »
I’m baffled. Absolutely baffled, as per everyone else here at DS. If this isn’t down to climate change…well.
godknowsimgood
2 years ago
It’s a mystery to all of us. Toyah Wilcox is still searching for a clue. Maybe she knows more than she’s letting on:
‘It’s a mystery, oh, it’s a mystery I’m still searching for a clue It’s a mystery to me A shot in the dark The big question mark in history Is it a mystery to you?’
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Baffling. ‘The Science’ is confused. Spiking Middle Age deaths from bacon, gardening, eating pizza and watching endless footie, the climate thingy zingy ? Surely not the holy injectable stabbinations? Nah. Just a mystery for ‘The Science’.
It must be the shovelling snow that done it!
Shovelling something, for sure.
I’m sure “The Science” will conclude shortly that we must have another Lockdown and another round of stabbinations to cure the problem.
After all, when everyone who is vulnerable is dead, no more can die.
Maybe insurance companies should charge a higher premium for those who took the experimental jab?
It will probably never happen. They will be coerced into accepting lower profits than blaming the obvious cause.
No. They’ll raise premiums for everyone. They won’t be allowed to discriminate.
The insurers must have run through the medical histories by now.
It will be interesting to see if future higher premiums are linked to the dodgy batch numbers and whether any whistleblower spills these beans.
This is my chart of banded excess 5 year age group mortality for 2020, 2021, 2022 and 2023 relative to 2015-2019 for England and Wales using the ONS weekly data. These are adjusted for population in these age groups. They also allow for mortality improvements of 1.2%pa (the ONS long term improvement assumption for all banded age groups which reflects what was happening up to 2019) On that basis the excess mortality in say the 40-44 year age group has been around 20% more than an insurer might have predicted back in 2019, since 2021 (remind me what happened then) and looks set to continue. This can be allowed for by insurers in pricing new life assurance policies but existing life policies (whole life, or term assurance) taken out before 2020 may have been underpriced and result in losses in relation to this subset of policies. I can’t see differential pricing for new life assurance for those in their 40s based on vaccination status for obvious reasons. However those injured by the vaccines may now have pre-existing conditions that they wouldn’t have had but for the experimental vaccines which will now be taken into account when they are offered life… Read more »
And for completeness here’s the chart not allowing for mortality improvements. Still significant excess mortality in the middle age groups.
the amazing thing here is how infants and young children DIDN’T die in 2020/21 when they weren’t allowed near hospitals or doctors.
I’m completely baffled why they haven’t come up with a variant of lies
I am invested in Phoenix Group holdings. You try to contav=ct them by email. It is impossible!!
I wanted to ask how this story impacts on their results
Climate change.
It must be Climate change.
I’m baffled. Absolutely baffled, as per everyone else here at DS. If this isn’t down to climate change…well.
It’s a mystery to all of us. Toyah Wilcox is still searching for a clue. Maybe she knows more than she’s letting on:
‘It’s a mystery, oh, it’s a mystery
I’m still searching for a clue
It’s a mystery to me
A shot in the dark
The big question mark in history
Is it a mystery to you?’
‘2021 Remaster’, appropriately:
https://youtu.be/CrN5WpObRco?si=BZjlypnJUZ9-NE1H
Yes last night Andrew Bridgen posted this on X…. He suspects he won’t be getting his promised debate on Excess Deaths…. https://x.com/abridgen/status/1751537199693050133?s=61&t=He_hDLVyYfKcC5Tea-Ofng
Might just be vaccidents