> ## Content Index > Fetch the complete content index at: https://journal.rajeshtaylor.com/llms.txt > Use this file to discover other available public pages before exploring further. # Disturbing Rates of Disability & Mortality in Life Insurance Data since mRNA Vaccine Rollout - URL: https://journal.rajeshtaylor.com/disturbing-rates-of-disability-mortality-in-life-insurance-data-since-covid-mrna-vaccine-rollout/ - Published: 2022-01-08T16:52:00.000Z - Updated: 2024-05-13T15:56:13.000Z - Description: Following on from OneAmerica CEO Scott Davison reporting a 40% increase in death rate in 18-64 year olds, Edward Dowd spent the following 4 weeks analysing data associated with a rise in excess mortality versus pre-pandemic levels. - Author: Rajesh Taylor ![© Rajesh Taylor](https://storage.ghost.io/c/39/9e/399e9f2c-ded7-411f-866c-d36c2004782e/content/images/2022/02/London-Funeral-Photographer-from-Home-to-Service.jpg) Last month, OneAmerica Insurance CEO Scott Davison revealed in a [video call](https://journal.rajeshtaylor.com/life-insurance-ceo-says-deaths-up-40-among-those-aged-18-64-in-indiana/) he had witnessed **a 40% increase in death rates in 18-64 year olds –** and not just at OneAmerica. He noted the **majority of deaths were *not* classified as due to Covid-19**. The Covid-19 **vaccines are linked to the excess mortality**, and months of vaccine injury reports are now spilling over to actuarial data – is beginning to show. Young, working-age people began dying in greater numbers the same time vaccine mandates were rolled out. Edward Dowd former Blackrock Fund Manager spent the following 4 weeks analysing data associated with a rise in excess mortality versus pre-pandemic levels and observed 3 worrying findings: • Mortality worsened in 2021 vs. 2020 despite widespread vaccination rollout. • A spike in deaths amongst 18-64 year-olds coincided with vaccine mandates. • That spike in deaths peaked in Q3 2021 when Covid deaths were extremely low. #### Insurance Firm Unum Payouts Increase 17% from 2020 On 1st Feb 2022, UK based financial insurance company [Unum](https://www.unum.co.uk/?ref=journal.rajeshtaylor.com) reported **an increase of 9%** in their ratio of payouts versus premiums, a **17.4% increase in 2021 vs. 2020** despite widespread vaccinations and a **13.3% increase on 2019**. #### US Funeral Carriage Service Profits Rise 28% A day later, Dowd noted US funeral home company [Carriage Services](https://investors.carriageservices.com/annual-reports-proxy-investor-materials?ref=journal.rajeshtaylor.com) saw a **28% increase in September 2021 versus 2020 and a 13% increase in August** versus the same period. Funerals and cremations **are up 12% and 13% respectively on the quarter**. > Ed .. I'm a funeral home director/owner....we used to consider 200 calls a year a good year. Last year we ended at 297\. We had 42 in January.... it's nuts > > — Jake (@jakeroseberry) [February 2, 2022](https://twitter.com/jakeroseberry/status/1488967490990452744?ref%5Fsrc=twsrc%5Etfw&ref=journal.rajeshtaylor.com) #### Lincoln Financial Group Reports Increase in Deaths from 2021 Dowd also noted that [Lincoln's](https://www.lincolnfinancial.com/public/individuals?ref=journal.rajeshtaylor.com) **death claims are up 13.7% year on year** and **up 57% in Q4 versus 2019\.** CFO Randy Frietag explained, in 2021 the share of young people dying from Covid **doubled** **in the second half of the year**. Lincoln reported greater losses from Group Protection operations of $115 million in 4Q compared with a loss of $42 million in 4Q 2020\. ![](https://storage.ghost.io/c/39/9e/399e9f2c-ded7-411f-866c-d36c2004782e/content/images/2022/02/Lincoln-National-Group-Protection-operations-loss-Q4-2021.png) “This decrease was primarily driven by higher mortality and morbidity impacts related to the pandemic.”[fn](https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/earnings?ref=journal.rajeshtaylor.com) Losses from **disability in 4Q was recorded at 90.2% – a rise from 77.7%**. ![](https://storage.ghost.io/c/39/9e/399e9f2c-ded7-411f-866c-d36c2004782e/content/images/2022/02/Lincoln-Financial-Group-Protection-Select-Earnings-and-Operational-Data-Q4-2021-Unaudited-in-millions-of-dollars.jpg) “This shouldn’t be happening with miracle vaccines in the working age population and mild Omicron” says Edward Dowd. Their Q4 earnings report can be downloaded below. [Lincoln International Earnings 4Q 2021 Press Release.pdf425 KBdownload-circle](https://journal.rajeshtaylor.com/content/files/2022/02/Lincoln-International-Earnings-4Q-2021-Press-Release.pdf "Download") #### Reinsurance Group of America Witness Higher Mortality Rates [Reinsurance Group of America](https://reinsurancegroupofamericainc.gcs-web.com/?ref=journal.rajeshtaylor.com) (RGA) noted in their earnings call[fn](https://reinsurancegroupofamericainc.gcs-web.com/news-releases/news-release-details/reinsurance-group-america-reports-fourth-quarter-and-full-year?ref=journal.rajeshtaylor.com) that 4Q was impacted by a meaningful level of Covid-19 mortality claims *despite the fact* that Covid-19 vaccines have been around for over a year. RGA missed their $0.77 estimate and prior year’s $1.19 with a loss of -$0.56 due to higher than expected $3.95 pre-tax Covid related claims. ![](https://storage.ghost.io/c/39/9e/399e9f2c-ded7-411f-866c-d36c2004782e/content/images/2022/02/Reinsurance-Group-of-America-4Q-and-Full-Year-Summary-1.jpg) ![](https://storage.ghost.io/c/39/9e/399e9f2c-ded7-411f-866c-d36c2004782e/content/images/2022/02/Reinsurance-Group-of-America-reports-profits-4Q-2020-loss-in-4Q-2021-on-higher-mortality-1.jpg) Q4 and Full Year Financial Release: Reinsurance Group of America (RGA) RGA reported a profit in Q4 2020 when the most of the population was unvaccinated and amid a deadlier strain of Covid-19, yet they clocked **a loss in Q4 2021 with more than 60% of the country fully vaccinated and around 75% who have received at least one dose**. Their 4Q slide presentation to investors and supplementary report is below: [4Q21 Earnings RGA Incorporated.pdf1022 KBdownload-circle](https://journal.rajeshtaylor.com/content/files/2022/02/4Q21-Earnings-RGA-Incorporated.pdf "Download") [QFS 4Q21.pdf372 KBdownload-circle](https://journal.rajeshtaylor.com/content/files/2022/02/QFS-4Q21.pdf "Download") #### Hardford Insurance Group Also noting a spike in younger deaths which peaked in Q3 2021, is **Hardford Insurance Group**, which reported that mortality is up 32% from 2019 pre-covid levels, and 20% from 2020 pre-vaccine levels. Dr. Robert Malone, Virologist, Immunologist and Inventor of mRNA technology (and holder of 6 mRNA patents) noted the troubling data on 3 Feb 2022.