• Gregory Quinlan

Death Claims Don't Lie

"We are seeing, right now, the highest death rates we have seen in the history of this business – not just at OneAmerica. The data is consistent across every player in that business."

Scott Davison – CEO - OneAmerica

The Center for Garden State Families would like to update our readers on an alarming situation that is now unfolding. Before we continue, we would like to inform our readers that Johns Hopkins University put out a study called A Literature Review and Meta-Analysis of the Effects of Lockdowns on COVID-19 Mortality by Professors Jonas Herby, Lars Jonung, and Steve H. Hanke.[1] This report demonstrated that the draconian lockdown measures to address the Covid-19 Pandemic reduced mortality from the virus by 0.2%. These lockdowns clearly were part of a well-coordinated plan. In addition to the failure of the lockdowns, the masks are another controversial measure that has contributed to adverse mental and physical effects on adults and especially children. As if these things are not bad enough, our organization has been in discussions with an individual who has spent the last 25 years in the financial services industry. This individual holds several professional designations, including the designation of Chartered Life Underwriter (CLU®). This designation is for those who work in the area of advanced life insurance planning strategies. We have learned that there has been an increasing trend in death claims being filed with insurance companies. On December 30th, 2021, Scott Davison, the CEO of OneAmerica, was on a virtual news conference organized by the Indiana Chamber of Commerce. OneAmerica has its headquarters in Indiana. OneAmerica is a $100 billion insurer that has been in business since 1877. They have a long-standing history of actuarial data at their disposal. On this conference call, Davison noted that death claims in the third quarter of 2021 for the group life insurance division, which insures working-age individuals from ages 18 to 64, were up a stunning 40%. Davison said that the increase in deaths were "huge, huge numbers," and it is not the elderly who are dying but "primarily working-age people 18 to 64 who are the employees of companies that have group life insurance plans through OneAmerica." He also stated that what they were seeing in the third quarter of 2021 was also continuing into the fourth quarter of 2021. Further, Davison added, "Just to give you an idea of how bad that is, a three-sigma or a one in 200-year catastrophe would be a 10% increase over pre-pandemic" and "most of the claims being filed are not classified as Covid-19 deaths." Therefore, we can surmise that something caused this increase in death claims during the latter half of 2021. We would be remiss if we did not point out that the Biden Administration forced vaccine mandates on September 9th, 2021. Based on our research, we want to add that life insurance policies paid out over $90 billion in 2020, a 15.4% increase over 2019. That was the largest year-over-year increase since the 1918 influenza pandemic. However, we would now like to review the increases that transpired in the fourth quarter of 2021 in relation to the fourth quarter of 2019 based on earnings calls from the major insurers. Again, these are related to the group life insurance policies: Unum - 36% increase Lincoln National - 57% increase Prudential - 41% increase Reinsurance Group of America - 21% increase Hartford - 32% increase Met Life - 24% increase Principle Financial Group - 37% increase In addition, the Dutch Insurer Aegon, the parent company of TransAmerica, paid out $31 million in death claims for the third quarter of 2020. In the third quarter of 2021, they saw $111 million in death claims paid out. Also, from the paraphrased earnings call of Globe Life, their Chief Financial Officer Frank Svoboda stated in addition to elevated mortality, we are seeing higher policy obligations due to higher non-Covid causes of death. These causes are primarily medical-related. The causes include heart, circulatory and neurological disorders. Interestingly enough, on January 24th, 2022, Senator Ron Johnson held a roundtable featuring world-renowned doctors, medical experts, whistleblowers, and data from the Defense Medical Epidemiology Database. Below are some of the increases for various medical conditions found in this database: [2] Hypertension – 2,181% increase Diseases of the nervous system – 1,048% increase Malignant neoplasms of esophagus – 894% increase Multiple sclerosis – 680% increase Malignant neoplasms of digestive organs – 624% increase Guillain-Barre syndrome – 551% increase Breast cancer – 487% increase Demyelinating – 487% increase Malignant neoplasms of thyroid and other endocrine glands – 474% increase Female infertility – 472% increase Pulmonary embolism – 468% increase Migraines – 452% increase Ovarian dysfunction – 437% increase Testicular cancer – 369% increase Tachycardia – 302% increase Clearly, we are seeing a trend in adverse events related to the vaccines that could also lead to death which the insurance industry is seeing based on the death claims that are being paid out. Also, the Center for Garden State Families investigated two other industries to see if there was also a trend emerging that would give us additional insight. The Memorialization Industry deals with caskets, urns, and cemetery products. Sales in 2020 were $684 million versus 2021 sales of $796.4 million. This is a 16.4% increase in growth for this particular industry. Also, publicly traded funeral home companies have increased sales for funerals and cremations. We are now seeing alarming trends emerging that in many ways are vindicating those who have been saying that the vaccines being used under an emergency use authorization and are experimental have no short or long-term safety data. Many are tracking the Vaccine Adverse Event Reporting System (VAERS), capturing between one and ten percent of the adverse events and deaths associated with these vaccines. The damaging injuries and deaths are now showing up in the life insurance industry. They are seeing higher death claims being paid out during the year of the vaccine rollout and an uptick in long-term disability claims being paid. In addition to the insurance companies being involved, we see Wall Street starting to become concerned. Few know that on November 2nd, 2021, the British Medical Journal (BMJ) published a story relating to a whistleblower involving "revelations of poor practices at a contract research company helping to carry out Pfizer's pivotal covid-19 vaccine trial raise questions about data integrity and regulatory oversight."[3] Further, the British Medical Journal article also states, "a regional director who was employed at the research organisation Ventavia Research Group has told The BMJ that the company falsified data, unblinded patients, employed inadequately trained vaccinators, and was slow to follow up on adverse events reported in Pfizer's pivotal phase III trial. Staff who conducted quality control checks were overwhelmed by the volume of problems they were finding. After repeatedly notifying Ventavia of these problems, the regional director, Brook Jackson, emailed a complaint to the US Food and Drug Administration (FDA). Ventavia fired her later the same day. Jackson has provided The BMJ with dozens of internal company documents, photos, audio recordings, and emails." Brook Jackson was fired from her job and subsequently filed a lawsuit. The lawsuit, filed on January 8th, 2021, involves a complaint for Violations of The Federal False Claims Act since Pfizer may have engaged in fraudulent behavior regarding its clinical trial data for its Covid-19 vaccine. The Center for Garden State Families has obtained a copy of the lawsuit document in the footnote section of this article and the other footnotes we have cited.[4] What is interesting about this lawsuit is that it implies that the Pfizer clinical trial was fraudulent. Under the circumstances of fraud, Pfizer's legal immunity shield would be negated under the Emergency Use Authorization. Interestingly, this lawsuit was filed on January 8th, 2021. The British Medical Journal's article regarding Brook Jackson's concerns was issued on November 2nd, 2021. Then on November 17th, 2021, Pfizer announced the Retirement of its Chief Financial Officer Frank D'Amelio.[5] If Pfizer is engaged with a blockbuster drug to save humanity, why would their Chief Financial Officer walk away from such an opportunity? Perhaps he does not want to be involved with the potential lawsuits coming in the future due to Pfizer's fraudulent clinical trial data. Also, we would like to point out something from Pfizer's 2021 fourth-quarter earnings report. Compared to their 2021 third-quarter report,[6] interesting language was included under their business risk reporting. According to the fourth-quarter earnings release, they stipulated the following: "risks associated with...further information regarding the quality of pre-clinical, clinical or safety data, including by audit or inspection." Also, they added: "challenges related to public confidence or awareness of our COVID-19 vaccine or Paxlovid, including challenges driven by misinformation, access, concerns about clinical data integrity and prescriber and pharmacy education." Lastly, Pfizer said regarding earnings moving forward, they could be impacted by "the possibility that COVID-19 will diminish in severity or prevalence, or disappear entirely."[7] As of this writing, BioNTech (BNTX) stock is down -39.12%year to date, Moderna (MRNA) stock is down -42.62% year to date, and Pfizer (PFE) stock is down -17.82% year to date. We are aware there are portfolio managers reducing their exposure to these stocks and hedge fund managers who are now looking at taking short positions and utilizing put options to profit as these stocks continue to lose value. If these "darlings" of the pharmaceutical world are saving humanity and are "safe and effective, " why are their stocks losing value? It is interesting to note that these losses have occurred since January 1st of 2022, after Scott Davison, CEO of OneAmerica, announced a stunning 40% increase in death claims for the third quarter of 2021. Perhaps Wall Street is now realizing that if there was indeed fraud involved with the phase three clinical trial for this vaccine, there will be lawsuits that could further damage the stock valuations of these companies. It should also be noted that the insurance industry is far larger than the pharmaceutical industry. The pharmaceutical industry has awakened the life insurance industry giants and Wall Street. Some have speculated that the third quarter of 2021, pertaining to the insurance death claims, was a culmination of several factors, including those who missed routine cancer screenings, canceled elective surgeries, committed suicide, had drug overdoses, or drank themselves to death because of the lockdowns. These issues could certainly be part of the tragic increase in death claims. However, the Center for Garden State Families will be monitoring the trend that is now unfolding in the life insurance industry. The actuaries of these companies have long-standing data on death statistics. Death statistics are usually stable, and now we have insurers reporting disturbing increases in their claims. We want to point out an adage in the life insurance business that says the following: “Life insurance is the greatest proof of love that we can leave our loved ones.” These precious acts of love should never be liability shields to protect those who have committed egregious fraud. After everything we have learned, their cause of death should be listed as government and pharmaceutical malfeasance, and as such, they should all be prosecuted to the highest extent of the law. During these perilous times, the titans of the insurance industry and Wall Street are now watching the money flows and asking themselves what is going on. The life insurance actuaries are the ones who will begin to see the connection between the death claims and the vaccines. It is these actuaries who will emerge as our brother's keeper. Now we turn our attention to Genesis and the story of two brothers, Cain and Abel. Cain rose up and killed his brother. In Genesis 4:9-10, we read, "Then the Lord said to Cain, "Where is Abel your brother?" He said, "I do not know; am I my brother's keeper?" And the Lord said, "What have you done? The voice of your brother's blood is crying to me from the ground." The dead are crying out to the life insurance actuaries from the killing fields of these Covid-19 mandates and vaccines because, in the end, death claims don't lie. [1] https://sites.krieger.jhu.edu/iae/files/2022/01/A-Literature-Review-and-Meta-Analysis-of-the-Effects-of-Lockdowns-on-COVID-19-Mortality.pdf [2] https://www.ronjohnson.senate.gov/services/files/FB6DDD42-4755-4FDC-BEE9-50E402911E02 [3] https://www.bmj.com/content/375/bmj.n2635 [4] https://cdn.locals.com/documents/47656/47656_e41yu6vd2x117dq.pdf [5] https://www.pfizer.com/news/press-release/press-release-detail/pfizer-announces-retirement-chief-financial-officer-frank [6] https://s28.q4cdn.com/781576035/files/doc_downloads/event-announcement/2021/11/02/Q3-2021-Earnings-Conference-Call-Prepared-Remarks-FINAL.pdf [7] https://s28.q4cdn.com/781576035/files/doc_financials/2021/q4/Q4-2021-Earnings-Conference-Call-Prepared-Remarks-FINAL.pdf



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