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Just for background and not trying to malign the source, but the was at a press conference where the Chamber of Commerce and hospital leaders were imploring sta

Just for background and not trying to malign the source, but the was at a press conference where the Chamber of Commerce and hospital leaders were imploring state residents to get vaccinated as to avoid a vaccine mandate that the state legislature was considering for employers Feels like the insurance guy at this press conference is trying to 'scare' young folks into getting the vaccine. My question is, the life insurance company would see all the death certificates, if they don't say Covid, what do they say?

seoaeu 5y ago
You allege bias, but the CEO of your life insurance company is like the textbook example of someone whose incentives are aligned with yours…
- maxerickson 5y ago
  How come they market whole life policies? There's narrow circumstances where they might make sense, but that's about it.
  - LorenPechtel 5y ago
    Good for locking in a customer.
- whatgoodisaroad 5y ago
  Not strictly so. An example of misaligned incentives would be an insurance salesman/CEO overstating the likelihood of death, and thus overstating the likelihood of a payout to the customer. This hypothetical would result in greater margin for the insurer.
LorenPechtel 5y ago
In a lot of cases we don't even have a good cause of death. There are a lot of areas without a good medical examiner system and the systems are overloaded even when they normally are good. Covid is quite capable of killing with a clot when your symptoms aren't to the point that you'll be in the hospital these days. This will show up as a stroke or a heart attack or pulmonary embolism--and if the docs don't put in the effort they won't know it was Covid (and for that matter it can't be proven anyway--lethal clots happen even without Covid. While it's a reasonable presumption that Covid caused the clot there's no proof in any given case.) There's also a lot of families that don't want Covid on the death certificate--even more reason the clot won't be attributed to Covid. (And, yes, there are plenty of other ways clots can kill--I'm just looking at the cases that are likely to kill without ever reaching the hospital.) Undertakers have also been noticing this--lots of bodies showing Covid clotting even though they aren't reported as Covid deaths. Edit: I forgot an additional factor. If you do survive your Covid hospital stay you have a substantially elevated all-cause mortality rate at least for the next year. AFIAK the mechanism has not yet been identified.

seoaeu 5y ago

You allege bias, but the CEO of your life insurance company is like the textbook example of someone whose incentives are aligned with yours…

maxerickson 5y ago
How come they market whole life policies? There's narrow circumstances where they might make sense, but that's about it.
- LorenPechtel 5y ago
  Good for locking in a customer.
whatgoodisaroad 5y ago
Not strictly so. An example of misaligned incentives would be an insurance salesman/CEO overstating the likelihood of death, and thus overstating the likelihood of a payout to the customer. This hypothetical would result in greater margin for the insurer.

LorenPechtel 5y ago

In a lot of cases we don't even have a good cause of death. There are a lot of areas without a good medical examiner system and the systems are overloaded even when they normally are good. Covid is quite capable of killing with a clot when your symptoms aren't to the point that you'll be in the hospital these days. This will show up as a stroke or a heart attack or pulmonary embolism--and if the docs don't put in the effort they won't know it was Covid (and for that matter it can't be proven anyway--lethal clots happen even without Covid. While it's a reasonable presumption that Covid caused the clot there's no proof in any given case.) There's also a lot of families that don't want Covid on the death certificate--even more reason the clot won't be attributed to Covid. (And, yes, there are plenty of other ways clots can kill--I'm just looking at the cases that are likely to kill without ever reaching the hospital.) Undertakers have also been noticing this--lots of bodies showing Covid clotting even though they aren't reported as Covid deaths. Edit: I forgot an additional factor. If you do survive your Covid hospital stay you have a substantially elevated all-cause mortality rate at least for the next year. AFIAK the mechanism has not yet been identified.