Seven percent. That number is interesting, given that it shares two different meanings for this column. According to an article in InsuranceNewsNet, excess mortality (a measure of the increase in the number of deaths during a time period and/or in a certain group, as compared to the expected value or statistic) is up 7%, while health insurance premiums rose 7% in 2023. Even greater premium costs are expected in 2024.

The 7% doesn’t necessarily mean the same thing in these two examples, but it certainly bridges the gap between increased premiums and increased mortality. The InsuranceNewsNet article goes on to state that the majority of excess deaths were in people ranging from 15-45. That isn’t typically a place we see a 7% rise in excess death statistics. And it makes an interesting parallel to the insurance industry.

Health insurance works something like this: In a “normal” world, younger people pay premiums and don’t file many claims. Older people file more claims, and the younger people who pay premiums support the payments that a carrier would make for the older folks. When you have millions of young people (15-45 or 50 years old) making claims at a record rate for expensive procedures and expensive specialists, it taxes the industry and the system. If all insurers are doing is paying out for their “healthy” paying customers, something must give.

The same principle holds for life insurance companies. The young are paying for decades before they pass, supporting benefit disbursements for those elderly who pass away. The system isn’t designed for a somewhat sudden increase in young people passing and their families collecting.

The industry says that costs are rising with the cost of inflation. Inflation, as per the writing of the article, was 5.8%. But as we know, this is just a band-aid on a problem that health bureaucracies worldwide are trying to keep a lid on. For example, there have been a myriad of different reasons given for the excess death rates in Australia. None of those reasons adequately explain the real issue because the real issue can’t be acknowledged. It isn’t just Australia. Other countries are very sadly following suit, and it just so happens those rates directly correspond with the rates of vaccination and subsequent boosters.

So, the real question is, “When is it going to give?” Just as we have discussed the issues with the efficacy of early and “off-label” treatment, we experience the same with excess mortality and injury. If a corrupt health establishment wants to make a problem disappear, they ignore it, or worse, they taint it.

We have documented the flawed studies done in patients treated with HCQ for COVID. The corrupt health bureaucracy wanted to taint HCQ, and they did. The same went for Ivermectin. The corrupt health bureaucracy wanted to taint Ivermectin, and they did. And what better way to hide the terrible rise in excess deaths and insurance premiums? Just whisper about the problem behind the scenes, raise premiums, hope people buy the excuse that it is related to inflation, and call it a day.

As a matter of fact, The HighWire investigative journalist Jeffrey Jaxen discussed this very thing in a segment with Del Bigtree back in August of 2022. Health departments around the world have decided to stop reporting the data.

Once this data was being shown throughout the world over the last year, the health departments just stopped publishing it. So, it’s left a lot of people sort of just like, with their hands up in the air saying, ‘We are seeing these rises, but now you stopped publishing it,’ so we don’t really know what’s going on.

That led smart and engaged clinicians, health advocates, and journalists to start trying to find the numbers themselves from the private sector, and they landed with the major insurance companies.

To note, with the recent reporting, actuaries are attempting to explain away the cause of the increase in excess deaths, with many of them jumping to COVID parallel or even unrelated conditions. Substack author “Ethical Skeptic,” who has been diligently following and documenting these alarming changes, said on X :

“‘One of the things that makes us believe that these really are direct or indirect COVID is the causes of death tend to be comorbid with COVID.  Alzheimer’s, diabetes, things like that, but in addition, they tend to move with the COVID deaths’.

This is not true—diabetes and Alzheimer’s (left panel) are not up over their generational trends. The rise is in non-traditional death ICD codes (right panel). Nor do they actually move with COVID deaths at all (third panel).

This indicates a toxin-like effect, not a specific pathogen.”

And don’t be fooled into thinking this is a new problem. The industry has been quietly raising alarm bells with this since 2021.

However, it isn’t sustainable. Many vaccine injuries in young people will require lifelong treatment and follow-up. They will require expensive pharmaceutical intervention. And while Big Pharma may enjoy some small profits from this terrible windfall, the insurance industry, both life and health, will be lamenting.

They can’t come out and talk about the problem; their industry is basically a house of cards right now, and how will they cover this up when the inevitable crash happens? Time will tell.


Tracy Beanz

Tracy Beanz is an investigative journalist with a focus on corruption. She is known for her unbiased, in-depth coverage of the COVID-19 pandemic. She hosts the Dark to Light podcast, found on all major video and podcasting platforms. She is a bi-weekly guest on the Joe Pags Radio Show, has been on Steve Bannon’s WarRoom and is a frequent guest on Emerald Robinson’s show. Tracy is Editor-in-chief at