I live in Puerto Rico where citizens were praised for complying with vaccine mandates and are known for the highest vaccination rate in the United States. Using the CDC excess mortality data available here: https://www.cdc.gov/nchs/nvss/vsrr/covid19/excess_deaths.htm Average Weekly Excess Mortality by year in Puerto Rico CDC data (summarized by me).
'17: 8% | '18: 3.5% | '19: 2.5% | '20: 7.6% | '21: 12% - 2017 was the year of hurricane Maria where an estimated 3000 people died in the months following the hurricane as a result of lost communications and blocked roads. 2020 was as bad as 2017, 2021 shows a 40% increase and was worse than the worst excess death rate on record - nothing in the news about this.
Amen to the FOIA request! What about contacting Aaron Siri? I know he has his hands full, but this is right up his alley. Maybe Steve can hook you up.
Do you know if there’s any industry database that compiles data from various life insurance companies across the country? Surely, something like that exists, even if it’s only accessible to industry insiders.
BTW, I don’t know if you would find this 2009 paper of interest, but it might provide some interesting comparison points:
“Mortality Risk Prediction by an Insurance Company and Long-Term Follow-Up of 62,000 Men”
According to the CDC, USA death rate for under-45s has been elevated since March, 2020, but seemingly not due to COVID, because the seasonal pattern is absent. Explain that, Mr. Hospital Executive. https://norstadt.substack.com/p/are-the-usa-sacrificing-the-young
If this is really happening, it's going to be the life insurance companies that start squealing for bail-outs first.
Three statistical thoughts:
It's essential to look for similar patterns elsewhere, otherwise a 6-sigma event in one place in one time is like arguing global warming or not global warming based on one of 16 variables measured hourly in 450,000 places. At any one time, at least one measure somewhere is bound to be exceptional. I think we are seeing similar patterns to Indiana elsewhere, if not so dramatic.
Is human mortality data actually sufficiently close to normal distribution to think in sigmas? There is definitely a strong seasonal element and the underlying distribution is always dependent on time and place. The 2004 tsunami will have been a global multiple-sigma event for that day (it roughly doubled the average number of daily deaths) but had likely no impact globally over the year (though may have done on more restricted geographies) - which raises the question of how you calculate the return period for n-sigma events. Occasional mass killing events probably mean that n-sigma events are more frequent than we would expect.
How do we decide the baseline? How many should be dying without factors unknown influencing the number of poeple actually dying (we can postulate I (infection) N (NPIs) and W (waxing) are happening, possibly others). A N-year average is only a starting point, we need to factor in the change in population risks (e.g. due to past coronavirus deaths) and how to account for seasonal effects rarely lining up exactly from year to year - this even complicates year-to-year comparisons.
From Malone: It is starting to look to me like the largest experiment on human beings in recorded history has failed. And, if this rather dry report from a senior Indiana life insurance executive holds true, then Reiner Fuellmich’s “Crimes against Humanity” push for convening new Nuremberg trials starts to look a lot less quixotic and a lot more prophetic.
I had a hunch that the actuaries would know the truth or at least be closer to it. The idea that the unvaccinated should face a healthcare or life insurance rate surcharge never made sense to me and is becoming increasingly preposterous. It some large part of the 40% increase correlates with vaccine status, the gun is not just smoking, it’s barrel has melted. I expect that any future insurance company admissions will come from whistleblowers. Assuming life and disability insurers can’t successfully deny claims—imagine a scenario where the FDA denies that certain adverse events are vaccine related, but the insurers claim the opposite—this could constitute a short term transfer of wealth from insurance company reserves to vaccine manufacturers and their enablers. I imagine that insurance company lobbyists are already scheduling meetings and negotiating payoffs with our bought representatives in Congress.
Great article, but a slight correction to the maths. You say "a three-sigma event should happen around once every 300 or so years and a six-sigma event should happen once every 300,000 or so years", but it's even worse than that. According to Wikipedia's article on the normal distribution, a 3-sigma event can be expected to happen once in 370 years, but a 6-sigma event once every 507 MILLION years. The probability of a 12-sigma event happening by chance is of the order of 1 in 10 to the power 33, or sextillions of times the age of the universe. So I think we can conclude it's not happening by chance.
First prize goes to the insurance company that can accurately determine what's causing the increase. They will be able to adjust their questionnaires and charge premiums that correspond to actual risk, leading to gains in market share over those that don't. Not to mention greater profitability in avoiding unanticipated claims..
My bet is that the increase in what appears to be all-cause mortality is the cumulative effects of spike protein on the vascular system, in effect, the "vaccines" are acting as poisons. Get people to have spike proteins circulating on a chronic basis, and they die from all sorts of things not apparently from vaccine injury. And I'll bet very few autopsies are being performed. I'd wonder if the rate of cremations is up as well.
The society of actuaries had a report on death benefit payouts for q1 (or q2?) 2020 for individual plans (hint - there wasn't a deviation from past years). David Martin mentioned this in one of his "butterfly of the week" videos this past summer (entitled "the case of the missing death benefits").
However, I figured that more people have group plans through employers. It was harder to find but (iirc) there was a report on payouts for group plans in the same time frame and those payouts were higher than in past years. It's fuzzy and I no longer have the link handy.
I haven't looked for more information (this is really outside my realm) but society of actuaries is where one might start making connections.
The proper target for this data are the life insurance companies, not the health insurers (aka payers). The health insurers profits are capped at a percentage of premiums (revenues). "Health" insurance companies are positioned to benefit greatly from the additional human suffering that arise from either the virus or the injections. Costs will rise. Premiums will rise. Profits will rise. Life insurance companies, on the other hand, will face more short-term pressure. It is unlikely that they will be able to increase future premiums quickly enough to counter the now under-priced policies currently in service. Here's a list of the largest life insurance companies in the US: https://www.policygenius.com/life-insurance/biggest-life-insurance-companies/
It looks from the all-cause mortality chart of Indiana that you posted, that excess deaths are related to covid waves, not high vaccination periods. Tell me why I'm wrong.
I live in a city of about 35,000 in a rural part of Maryland between Atlantic Ocean and Chesapeake Bay. We have a full service Fire department and police department. A firefighter friend keeps me up to date on happenings of all kinds. Suicides are just tearing this city up. In recent weeks a young woman shot herself, among suicides involving guns. I think the isolation and loss of income from the government's blundering elephant walk over our civil liberties is driving people nuts.
Go here and simply look at the all-cause mortality charts state by state:
https://www.usmortality.com/
It's crystal clear and irrefutable that something went terribly wrong starting in Dec. 2020/Jan 2021.
I can't for the life of me figure out what major "health" intervention began around that time.
Can anyone here?
I live in Puerto Rico where citizens were praised for complying with vaccine mandates and are known for the highest vaccination rate in the United States. Using the CDC excess mortality data available here: https://www.cdc.gov/nchs/nvss/vsrr/covid19/excess_deaths.htm Average Weekly Excess Mortality by year in Puerto Rico CDC data (summarized by me).
'17: 8% | '18: 3.5% | '19: 2.5% | '20: 7.6% | '21: 12% - 2017 was the year of hurricane Maria where an estimated 3000 people died in the months following the hurricane as a result of lost communications and blocked roads. 2020 was as bad as 2017, 2021 shows a 40% increase and was worse than the worst excess death rate on record - nothing in the news about this.
Mathew, in case you didn't know, VAERS also shows that the mortality rate per vaxxed persons for Indiana is twice as high (or greater) as pretty much any of the other states: https://vaersanalysis.info/2021/11/05/deaths-and-adverse-events-per-state-per-million-vaccinated-persons-for-covid-19-vaccines/
Amen to the FOIA request! What about contacting Aaron Siri? I know he has his hands full, but this is right up his alley. Maybe Steve can hook you up.
Do you know if there’s any industry database that compiles data from various life insurance companies across the country? Surely, something like that exists, even if it’s only accessible to industry insiders.
BTW, I don’t know if you would find this 2009 paper of interest, but it might provide some interesting comparison points:
“Mortality Risk Prediction by an Insurance Company and Long-Term Follow-Up of 62,000 Men”
https://www.ncbi.nlm.nih.gov/labs/pmc/articles/PMC2673682/
According to the CDC, USA death rate for under-45s has been elevated since March, 2020, but seemingly not due to COVID, because the seasonal pattern is absent. Explain that, Mr. Hospital Executive. https://norstadt.substack.com/p/are-the-usa-sacrificing-the-young
If this is really happening, it's going to be the life insurance companies that start squealing for bail-outs first.
Three statistical thoughts:
It's essential to look for similar patterns elsewhere, otherwise a 6-sigma event in one place in one time is like arguing global warming or not global warming based on one of 16 variables measured hourly in 450,000 places. At any one time, at least one measure somewhere is bound to be exceptional. I think we are seeing similar patterns to Indiana elsewhere, if not so dramatic.
Is human mortality data actually sufficiently close to normal distribution to think in sigmas? There is definitely a strong seasonal element and the underlying distribution is always dependent on time and place. The 2004 tsunami will have been a global multiple-sigma event for that day (it roughly doubled the average number of daily deaths) but had likely no impact globally over the year (though may have done on more restricted geographies) - which raises the question of how you calculate the return period for n-sigma events. Occasional mass killing events probably mean that n-sigma events are more frequent than we would expect.
How do we decide the baseline? How many should be dying without factors unknown influencing the number of poeple actually dying (we can postulate I (infection) N (NPIs) and W (waxing) are happening, possibly others). A N-year average is only a starting point, we need to factor in the change in population risks (e.g. due to past coronavirus deaths) and how to account for seasonal effects rarely lining up exactly from year to year - this even complicates year-to-year comparisons.
From Malone: It is starting to look to me like the largest experiment on human beings in recorded history has failed. And, if this rather dry report from a senior Indiana life insurance executive holds true, then Reiner Fuellmich’s “Crimes against Humanity” push for convening new Nuremberg trials starts to look a lot less quixotic and a lot more prophetic.
I had a hunch that the actuaries would know the truth or at least be closer to it. The idea that the unvaccinated should face a healthcare or life insurance rate surcharge never made sense to me and is becoming increasingly preposterous. It some large part of the 40% increase correlates with vaccine status, the gun is not just smoking, it’s barrel has melted. I expect that any future insurance company admissions will come from whistleblowers. Assuming life and disability insurers can’t successfully deny claims—imagine a scenario where the FDA denies that certain adverse events are vaccine related, but the insurers claim the opposite—this could constitute a short term transfer of wealth from insurance company reserves to vaccine manufacturers and their enablers. I imagine that insurance company lobbyists are already scheduling meetings and negotiating payoffs with our bought representatives in Congress.
Great article, but a slight correction to the maths. You say "a three-sigma event should happen around once every 300 or so years and a six-sigma event should happen once every 300,000 or so years", but it's even worse than that. According to Wikipedia's article on the normal distribution, a 3-sigma event can be expected to happen once in 370 years, but a 6-sigma event once every 507 MILLION years. The probability of a 12-sigma event happening by chance is of the order of 1 in 10 to the power 33, or sextillions of times the age of the universe. So I think we can conclude it's not happening by chance.
Morticians, funeral parlours, crematoriums and so on should have corresponding data?
Important correction. He is a LIFE INSURANCE CEO. Not a HEALTH INSURANCE CEO.
First prize goes to the insurance company that can accurately determine what's causing the increase. They will be able to adjust their questionnaires and charge premiums that correspond to actual risk, leading to gains in market share over those that don't. Not to mention greater profitability in avoiding unanticipated claims..
My bet is that the increase in what appears to be all-cause mortality is the cumulative effects of spike protein on the vascular system, in effect, the "vaccines" are acting as poisons. Get people to have spike proteins circulating on a chronic basis, and they die from all sorts of things not apparently from vaccine injury. And I'll bet very few autopsies are being performed. I'd wonder if the rate of cremations is up as well.
The society of actuaries had a report on death benefit payouts for q1 (or q2?) 2020 for individual plans (hint - there wasn't a deviation from past years). David Martin mentioned this in one of his "butterfly of the week" videos this past summer (entitled "the case of the missing death benefits").
However, I figured that more people have group plans through employers. It was harder to find but (iirc) there was a report on payouts for group plans in the same time frame and those payouts were higher than in past years. It's fuzzy and I no longer have the link handy.
I haven't looked for more information (this is really outside my realm) but society of actuaries is where one might start making connections.
The proper target for this data are the life insurance companies, not the health insurers (aka payers). The health insurers profits are capped at a percentage of premiums (revenues). "Health" insurance companies are positioned to benefit greatly from the additional human suffering that arise from either the virus or the injections. Costs will rise. Premiums will rise. Profits will rise. Life insurance companies, on the other hand, will face more short-term pressure. It is unlikely that they will be able to increase future premiums quickly enough to counter the now under-priced policies currently in service. Here's a list of the largest life insurance companies in the US: https://www.policygenius.com/life-insurance/biggest-life-insurance-companies/
It looks from the all-cause mortality chart of Indiana that you posted, that excess deaths are related to covid waves, not high vaccination periods. Tell me why I'm wrong.
Thank you once again for your lucid article.
I live in a city of about 35,000 in a rural part of Maryland between Atlantic Ocean and Chesapeake Bay. We have a full service Fire department and police department. A firefighter friend keeps me up to date on happenings of all kinds. Suicides are just tearing this city up. In recent weeks a young woman shot herself, among suicides involving guns. I think the isolation and loss of income from the government's blundering elephant walk over our civil liberties is driving people nuts.
Just thought I'd mention that.