Posted: 1/9/2023 2:05:21 PM EDT
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Don't remember seeing this substack before, but do remember the report. https://crossroadsreport.substack.com/p/breaking-fifth-largest-life-insurance Five months after breaking the story of the CEO of One America insurance company saying deaths among working people ages 18-64 were up 40% in the third quarter of 2021, I can report that a much larger life insurance company, Lincoln National, reported a 163% increase in death benefits paid out under its group life insurance policies in 2021. This is according to the annual statements filed with state insurance departments — statements that were provided exclusively to Crossroads Report in response to public records requests. The reports show a more extreme situation than the 40% increase in deaths in the third quarter of 2021 that was cited in late December by One America CEO Scott Davison — an increase that he said was industry-wide and that he described at the time as “unheard of” and “huge, huge numbers” and the highest death rates that have ever been seen in the history of the life insurance business. The annual statements for Lincoln National Life Insurance Company show that the company paid out in death benefits under group life insurance polices a little over $500 million in 2019, about $548 million in 2020, and a stunning $1.4 billion in 2021. From 2019, the last normal year before the pandemic, to 2020, the year of the Covid-19 virus, there was an increase in group death benefits paid out of only 9 percent. But group death benefits in 2021, the year the vaccine was introduced, increased almost 164 percent over 2020. Here are the precise numbers for Group Death Benefits taken from Lincoln National’s annual statements for the three years: 2019: $500,888,808 2020: $547,940,260 2021: $1,445,350,949 Here are the key numbers for 2021, below, shown on the company’s annual statement that was filed with the Michigan Department of Insurance and Financial Services. These are national numbers, not state-specific:  Lincoln National is the fifth-largest life insurance company in the United States, according to BankRate, after New York Life, Northwestern Mutual, MetLife and Prudential. The company was founded in Fort Wayne, Indiana in 1905, getting the OK from Abraham Lincoln’s son, Robert Todd Lincoln, to use his father’s name and likeness in its advertising. It’s now based in Radnor, Pennsylvania. The annual statements filed with the states do not show the number of claims — only the total dollar amount of claims paid. Group life insurance policies, in most cases, cover working-age adults ages 18-64 whose employer includes life insurance as an employee benefit. How many deaths are represented by the 163% increase? It is not possible to determine by the dollar figures on the statements. But the average death benefit for employer-provided group life insurance, according to the Society for Human Resource Management, is one year’s salary. If the average annual salary of people covered by group life insurance policies in the United States is $70,000, this may represent 20,647 deaths of working adults, covered by just this one insurance company. This would represent at least 10,000 more deaths than in a normal year for just this one company. The statements for the three years also show a sizable increase in ordinary death benefits — those not paid out under group policies, but under individual life insurance policies. In 2019, the baseline year, that number was $3.7 billion. In 2020, the year of the Covid-19 pandemic, it went up to $4 billion, but in 2021, the year in which the vaccine was administered to almost 260 million Americans, it went up to $5.3 billion. The statements show that the total amount that Lincoln National paid out for all direct claims and benefits in 2021 was more than $28 billion, $6 billion more than in 2020, when it paid out a total of $22 billion, which was less than the $23 billion it paid out in 2019, the baseline year.   A $6 billion increase in expenses is something few companies could absorb, but Lincoln National has been working to do just that — by increasing sales of new insurance polices. In the press release accompanying its annual report, and in its press release announcing the first quarter 2022 results — in which the company announces a $41 million loss in its Group Protection business — it trumpets an increase in sales. For first quarter 2022 that increase was 42 percent. The company also mentions that premiums have gone up 4 percent. Interestingly, in the press release accompanying the first-quarter 2022 results, Lincoln National attributes the $41 million operating loss to “non-pandemic-related morbidity” and “unusual claims adjustments.” “This change was driven by non-pandemic-related morbidity [emphasis added], including unusual claims adjustments [emphasis added], and less favorable returns within the company’s alternative investment portfolio.”  Morbidity, of course, means disease. A lot of people are sick. This matches what I was told by OneAmerica in January in emails following the publication of my story in The Center Square — that it was not only deaths of working-age people that shot up to unheard-of levels in 2021, but also short- and long-term disability claims. Annual statements for other insurance companies are still being compiled and reviewed. So far, Lincoln National shows the sharpest increases in death benefits paid out in 2021, though Prudential and Northwestern Mutual also show significant increases — increases much larger in 2021 than in 2020, indicating that the cure was worse than the disease — much worse. Lincoln National’s stock price fell from about $70 a share on January 3 to $50 a share this week, and last month, a new CEO was installed. It doesn’t appear to be a sudden change, but could have been timed to assuage major shareholders who have no idea what’s really happening and may think that a fresh face and fresh ideas can turn this around. Could I suggest instead an honest and thorough assessment of what’s really driving these stunning numbers? |
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We just had a pandemic where people were scared they were going to die. Scared people bump up their insurance. Also, we’ve seen vast inflation and wage increases. Everything got more expensive, because your dollars got smaller. Why grasp at straws? Post the actual mortality data for the respective years. It should show an increase due to Covid, or the Vax, or Both. The hard part would be objectively quantifying which caused the death. You will always believe what you want to believe, but most likely, the truth of it will be impossible to reliably quantify. |
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People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. Everything you just spouted is false. In fact, more recent studies are showing that the death rate of vaccinated people has surpassed that of unvaccinated by a substantial margin. Further, the risk of getting Kung Flu is *higher* for those who have had two shots and a booster - negative efficacy. That's been shown in multiple studies worldwide. We can always tell who is trolling when they use terms like "dewormer" when referring to Ivermectin which has been shown to effectively treat Kung Flu for two years now. |
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Quoted: We just had a pandemic where people were scared they were going to die. Scared people bump up their insurance. Also, we’ve seen vast inflation and wage increases. Everything got more expensive, because your dollars got smaller. Why grasp at straws? Post the actual mortality data for the respective years. It should show an increase due to Covid, or the Vax, or Both. The hard part would be objectively quantifying which caused the death. You will always believe what you want to believe, but most likely, the truth of it will be impossible to reliably quantify. Your points are spot on and—along with death and infection rates—disprove antivaxer claims. There is one other point. During an epidemic, the beginning of vaccination always coincides with the highest rates of infection. Then in subsequent years, the vaccine reduces infection and death. The same thing happened with polio. But there is always a short crossover when the rising infection rate is competing with rising vaccinations. As vaccines win, their success rate is even more obvious.So the most useful short-term data is to compare unvaxed to vaxed. And that data rebuts any claim that vaccinations cause death. |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives.     |
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Quoted: Your points are spot on and—along with death and infection rates—disprove antivaxer claims. There is one other point. During an epidemic, the beginning of vaccination always coincides with the highest rates of infection. Then in subsequent years, the vaccine reduces infection and death. The same thing happened with polio. But there is always a short crossover when the rising infection rate is competing with rising vaccinations. As vaccines win, their success rate is even more obvious.So the most useful short-term data is to compare unvaxed to vaxed. And that data rebuts any claim that vaccinations cause death. Use of the term "dewormer" in one thread followed by antivaxer in the next. You're hitting all the talking points today. |
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Quoted: Everything you just spouted is false. In fact, more recent studies are showing that the death rate of vaccinated people has surpassed that of unvaccinated by a substantial margin. Further, the risk of getting Kung Flu is *higher* for those who have had two shots and a booster - negative efficacy. That's been shown in multiple studies worldwide. We can always tell who is trolling when they use terms like "dewormer" when referring to Ivermectin which has been shown to effectively treat Kung Flu for two years now. My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. |
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Quoted: My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. I have a question. Why do you ask for his data but fail to submit your own? |
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Quoted: My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. Comes in, attacks IVM, pretends not to know about the multiple studies proving it's antiviral properties, then asks for "links to the studies." Come on mods, how obvious does he have to be? |
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Quoted: Comes in, attacks IVM, pretends not to know about the multiple studies proving it's antiviral properties, then asks for "links to the studies." Come on mods, how obvious does he have to be? Seriously. I could have sworn this was thoroughly discussed well over a year ago and then this person comes in trying to do what he does best (one trick pony for sure) and acts like he’s on top of the latest data. I guess that means there’s not a political thread in GD currently for him to go shit in. |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. I'm convinced that pathological liars argue their false narrative to try to convince others that they aren't lying in order to feel better about themselves, & to try to fool themselves into believing they aren't what they are. But they can't escape the truth, even in their own sick minds. Thus, they're caught up in a vicious cycle of vain, perpetual yarn spinning. |
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Quoted: I'm convinced that pathological liars argue their false narrative to try to convince others that they aren't lying in order to feel better about themselves, & to try to fool themselves into believing they aren't what they are. But they can't escape the truth, even in their own sick minds. Thus, they're caught up in a vicious cycle of vain, perpetual yarn spinning. Quoted: Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. I'm convinced that pathological liars argue their false narrative to try to convince others that they aren't lying in order to feel better about themselves, & to try to fool themselves into believing they aren't what they are. But they can't escape the truth, even in their own sick minds. Thus, they're caught up in a vicious cycle of vain, perpetual yarn spinning. ....and yet here he is with nothing to add to the topic at hand....he can just keep up the too good to look at anything but the narrative. Doing your own research is for suckers..... Just so he is aware....right from the NIH, one of the many topics on IVM and cancer Colorectal cancer (CRC) is the third most common cancer worldwide and still lacks effective therapy. Ivermectin, an antiparasitic drug, has been shown to possess anti-inflammation, anti-virus, and antitumor properties. .... Overall, ivermectin suppressed cell proliferation by promoting ROS-mediated mitochondrial apoptosis pathway and inducing S phase arrest in CRC cells, suggesting that ivermectin might be a new potential anticancer drug therapy for human colorectal cancer and other cancers. It might be used for other shit but don't say its only for parasites. He can go ahead and tell me if later is has shown to be fairly successful in the treatment process for cancer he won't take it because it is a "horse de-wormer." |
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Quoted: My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. Good grief, you're recycling mid-2021 talking points now ? You missed 'sheep dip slurpers' though. "But it is not impossible for one medicine to work for something else" - well there you go then. It's widely known and recognized as an antiviral. |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. The troll is strong with this one. To be sure, I have a large family, and the only one to die was the one who was vaxxed. She started getting blood clots and strokes and died less than 7 days later. My evidence is anecdotal at best, but even the CDC admits ivermectin is an effective prophylaxis |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. Attached File |
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Quoted: My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. Quoted: Quoted: Everything you just spouted is false. In fact, more recent studies are showing that the death rate of vaccinated people has surpassed that of unvaccinated by a substantial margin. Further, the risk of getting Kung Flu is *higher* for those who have had two shots and a booster - negative efficacy. That's been shown in multiple studies worldwide. We can always tell who is trolling when they use terms like "dewormer" when referring to Ivermectin which has been shown to effectively treat Kung Flu for two years now. My information is current. Could you share a couple of your studies. I would be interested in looking at your data. BTW, I called it dewormer because that's what it is. If you have any scientific data that concludes dewormer stops viral infections, I would love to read that too. AFAIK, it only kills intestional worms, which are a parasite. But it is not impossible for one medicine to work for something else. Thanks. Completely false, every word of it, same with this pile of drivel. Further, everyone here already knows that. Trolling is against the CoC. ETA: Reporting a post that is obvious trolling helps the mod(s). |
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Quoted: The troll is strong with this one. To be sure, I have a large family, and the only one to die was the one who was vaxxed. She started getting blood clots and strokes and died less than 7 days later. My evidence is anecdotal at best, but even the CDC admits ivermectin is an effective prophylaxis Quoted: Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. The troll is strong with this one. To be sure, I have a large family, and the only one to die was the one who was vaxxed. She started getting blood clots and strokes and died less than 7 days later. My evidence is anecdotal at best, but even the CDC admits ivermectin is an effective prophylaxis Sorry for your loss. Age of deceased? |
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Quoted: People without vaccinations die of covid at twice the rate of vaccinated people, on average. For people over 55 it is 5 times higher. And the risk of getting covid is 5 times higher for unvaccinated persons. Now there is a highly transmissible variant. So get ready for rising deaths and another run on dewormer. The statistic I would like to know is how many of these new deaths are people who made the same antivax choice as their dead relatives. I pictured Barney Frank in my mind while reading this. |
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Quoted: Insurance industry data. I'm just going to sit over here and enjoy my popcorn.  Lol. What's an extra 5-6 billion/yr amongst friends?  You know damned well they're gonna end up bailing out some insurance companies at some point...these guys shoulda doubled their premiums on individual policies last year like my employer did
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Quoted: ....and yet here he is with nothing to add to the topic at hand....he can just keep up the too good to look at anything but the narrative. Doing your own research is for suckers..... Just so he is aware....right from the NIH, one of the many topics on IVM and cancer It might be used for other shit but don't say its only for parasites. He can go ahead and tell me if later is has shown to be fairly successful in the treatment process for cancer he won't take it because it is a "horse de-wormer." Or perhaps he believes it'll just attack whatever is floating between his ears. |