Why Are Death and Disability Benefits Increasing?

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The business of funeral homes in the U.S. is booming as mortality rates creep up, especially among young people of working age. Former Blackrock fund manager Ed Dowd analyzed data on mortality rates before and after the spread of COVID-19 vaccination and found that mortality rates in 2021 – after the spread of vaccination – worsened compared to 2020.

Increase in Mortality Rate Among Younger People

As Zero Hedge reports, Dowd pointed out that “a spike in mortality rates among younger working-age people coincided with vaccination requirements. The spike in younger deaths peaked in the third quarter of 2021, when COVID deaths were extremely low (but increased through the end of September).

Dowd also reported data from public funeral home Carriage Services, which reported a 28% increase in September 2021 compared to September 2020, while August showed a 13% increase. He tweeted:

Business has been doing quite well since vaccines were introduced & stock is up 106% in 2021. Weird, right? Folks, this is shocking since 89% of funeral homes in the US are private. We are only seeing the tip of the iceberg.

Life Insurance Payouts on the Rise

Insurance companies are also seeing an increase in death and disability payouts. Dowd tweeted on Feb. 1, 2022, that financial insurance company Unum saw a 9% increase in the benefit ratio (payouts to premiums) in its life insurance segment. Dowd tweeted:

In 2021, they saw a 17.4% increase over 2020. That’s up from the 13.3% increase over 2019, so the higher payouts in 21 occur with a miracle vaccine and less virulent strains … In 2019 the unit had a profit of $266 million, last year a profit of $82 million and this year a loss of -$192 million. A decrease of $458 million in 2 years. It is important to remember that these are working-age people.

Scott Davison, CEO of Indiana-based insurer OneAmerica, also reported troubling statistics: Mortality rates among 18- to 64-year-olds are up 40% from pre-pandemic levels.

“We’re currently experiencing the highest death rates we’ve ever seen in the history of this industry – not just at OneAmerica,” Davison said, adding, “Just to give you an idea of how bad this is: a three-sigma case, or a once-in-200-year disaster, would mean a 10% increase over pre-pandemic levels. So 40% is just unheard of.” In addition, most of the deaths are not due to COVID-19. He said:

The data tell us that deaths reported as COVID deaths greatly underestimate actual deaths among working-age people from the pandemic. It may not all be COVID on the death certificate, but the number of deaths is just very, very high.

Disability Claims and Hospital Mortality Rates on the Rise

Disability claims, first short-term claims and now long-term claims, have also increased. At a press conference where Davison spoke, Brian Tabor, president of the Hospital Association of Indiana, acknowledged that hospitals are also seeing widespread illness and rising mortality rates. Zero Hedge reported:

Brian Tabor, president of the Indiana Hospital Association, said hospitals across the state are being inundated with patients “with many different illnesses” and that “unfortunately, the average health of Hoosiers has deteriorated during the pandemic.”

In a follow-up call, he said he did not have a breakdown of why so many people in the state are being hospitalized – for what illnesses or ailments. He said, however, that the exceptionally high mortality rate Davison cited was consistent with numbers seen in hospitals around the state. To me, it confirmed what we’re seeing on the front end …, he said.

Among the other insurance companies that reported higher mortality rates was Hartford Insurance Group, which announced that its pre-shooting mortality rate increased 32% in 2019 and 20% in 2020. Lincoln National also reported that deaths were up 13.7% year-over-year and 54% in Q4 compared to 2019. Dowd tweeted:

Randy Frietag, CFO, just stated that the percentage of young people dying from covid in 2021 doubled in the second half of the year & that drove the outcome for Lincoln & its competitors. He cited that 40% were under 65 in Q3 & 35% in Q4 … Regulations are killing people … That shouldn’t happen with miracle vaccines in a working age population & a mild omicron.

As ZeroHedge noted, we need to know from insurance companies what the leading causes of death were for 2020 and 2021 and how many of those who died received COVID-19 vaccines.

It goes on to say, “Reinsurance Group of America, for example, reported a profit in the fourth quarter of 2020, when most of the population was unvaccinated and a more lethal Covid 19 strain was rampant, but reported a loss in the fourth quarter of 2021, as more than 60% of the country was fully vaccinated (and about 75% had received at least one dose).

In other words, they were paying out more in death and disability benefits at the end of 2021, after vaccinations were widely available, than at the height of the pandemic, when no (or few) vaccinations had been issued.

Deaths Continue to Rise Despite Mass Injection Campaign

Around the globe, it is becoming clear that the number of excess deaths continues to explode despite the mass injection campaign that was supposed to save us. In the week ending November 12, 2021, 2,047 more deaths were reported in the UK than in the same period between 2015 and 2019.

COVID-19 cannot be solely to blame, however, as it was listed on death certificates in only 1,197 people. In addition, deaths in the United Kingdom not attributable to COVID have been higher since July than the weekly average in the five years before the pandemic.

Heart disease and strokes appear to be the cause of many of the excess deaths, as reported by the Financial Times, “The new phase of excess deaths raises the possibility that more people have lost their lives since the summer because the NHS was overstretched or serious illnesses were not diagnosed in time…

On Twitter, Silicon Valley software engineer Ben M. (@USMortality) similarly revealed that about 107,700 seniors died above the normal rate in a 13-week period alone, despite a 98.7% vaccination rate. In another example, he used data from the U.S. Centers for Disease Control and Prevention, census.gov and his own calculations to show that excess deaths in Vermont were rising even though the majority of adults were vaccinated.

“In Vermont, 71% of the total population was vaccinated by June 1, 2021,” he tweeted. “That’s 83% of the adult population, and yet they are now experiencing the most deaths since the pandemic!

An investigation by The Exposé, based on official data from the NHS and the U.K. Office for National Statistics (ONS), also found that the number of deaths among teenagers has increased by 47% since they received the COVID-19 vaccination. Not only that, but COVID-19 deaths increased among 15- to 19-year-olds after the vaccination was introduced for that age group.

COVID-19 Vaccination Causes Acquired Immunodeficiency Syndrome

A study by Peter McCullough, M.D., an internist, cardiologist and editor of two medical journals, and his colleagues suggests that people who have received COVID-19 vaccinations may have damage to their innate immune systems that leads to a form of acquired immunodeficiency syndrome.

COVID-19 vaccinations use genetically modified mRNA that encodes spike proteins. This causes the mRNA to remain hidden from cellular defenses, “promoting a longer biological half-life of the proteins and resulting in an overall higher production of spike proteins,” according to the study.

The researchers note that experimental and observational evidence shows that the human immune response to COVID-19 spikes is very different from the response elicited by exposure to SARS-CoV-2:

Genetic changes induced by the vaccine are likely the cause of these different responses. In this paper, we present evidence that vaccination, unlike natural infection, induces profound impairment of type I interferon signaling that has several adverse consequences for human health.

We explain the mechanism by which immune cells release large amounts of exosomes into the bloodstream that contain spike proteins along with critical microRNAs that trigger a signaling response in recipient cells at distant sites.

We also identify potentially profound perturbations in the regulatory control of protein synthesis and cancer surveillance. These perturbations may be directly related to neurodegenerative diseases, myocarditis, immune thrombocytopenia, Bell’s palsy, liver disease, impaired adaptive immunity, increased tumor formation, and DNA damage.

The study included evidence from the Vaccine Adverse Event Reporting System (VAERS) to support their hypothesis. While public health authorities refuse to acknowledge that COVID-19 vaccines have caused deaths, clinically trained reviewers analyzed a sample of COVID-19 vaccine deaths reported in VAERS and found that only 14% of them were definitely not due to the vaccine.

This means that the remaining 86% may have been vaccine-related. While it is often claimed that VAERS reports are made by lay people and are therefore unreliable, the study found that at least 67% of the COVID-19 deaths analyzed were reported by health care workers.

Overall, McCullough and colleagues warn that COVID-19 vaccination undermines innate immunity, which could impair the ability to fight future infections. In addition, when the immune system is damaged by vaccination, it is less able to recognize and prevent malignant changes in cells.

They also suggest that exposure to spike protein-containing exosomes and mRNAs may trigger an inflammatory cascade that leads to further disease.

The study concludes that COVID-19 vaccination does not contribute positively to public health, noting:

Ultimately, we are not exaggerating when we say that billions of lives are at stake. We urge public health agencies to demonstrate with evidence why the issues discussed in this paper are not relevant to public health, or acknowledge that they are, and act accordingly.

Until our public health institutions do the right thing in this regard, we encourage each individual to make his or her own health care decisions, incorporating this information.

Can You Reduce the Potential Harm?

Anyone considering a COVID-19 injection must carefully consider the proven risks before making a decision. However, if you have already had an injection and want to reduce your risk for possible complications, I recommend some basic strategies:

  • Measure your vitamin D level and take enough vitamin D orally (about 8,000 units/day for most adults) and/or get enough sun exposure to ensure your level is 60 to 80 ng/ml (150 to 2000 nmol/l).
  • Eliminate all vegetable (seed) oils from your diet, which means you should avoid almost all processed foods and most restaurant meals, unless you can be sure the cook uses only butter. Avoid all sauces and salad dressings in restaurants because they contain seed oils. Also avoid chicken and pork, as they are rich in linoleic acid, the omega-6 fat that almost everyone consumes in far too large quantities and that contributes to oxidative stress.
  • Consider taking about 500 milligrams of NAC per day, as it helps prevent blood clots and is a precursor for the body’s production of the important antioxidant glutathione.
  • Consider taking fibrinolytic enzymes, which dissolve the fibrin that leads to blood clots, strokes and pulmonary embolisms. The dose is usually twice daily, but must be taken on an empty stomach, either one hour before or two hours after a meal. Otherwise, the enzymes will digest your food rather than the fibrin in the blood clot.


1. Zero Hedge February 5, 2022

2. Twitter, Ed Dowd February 2, 2022

3. Twitter February 1, 2022

4. ZeroHedge January 3, 2022

5. Financial Times November 23, 2021

6. Twitter, Ben M. November 28, 2021

7. Twitter, Ben M. November 24, 2021

8. The Exposé September 30, 2021

9. The Exposé January 30, 2022

10. Research Gate January 2022

11. Research Gate June 2021