The May 2023 Society of Actuaries Report Reveals Disturbing Data On The Lethality Of the Covid Vaccines

Part 1 of my posts on our USA Today Op-Ed can be found here . Here is Part 2:

 Although the insurance industry, like any other, has profits for its shareholders as its primary goal, it is also an industry whose insights have led to a few centuries of life-saving public policies and laws which protect us from a large number of dangers to our health and survival. For instance, insurers have led efforts to advance safety in many fields:
 •Maritime safety – standards
 •Fire safety – fire departments and codes
 •Boiler and elevator – standards and inspections
 •Electrical products – standards & testing
 •Worker safety – standards and policies
 •Automobile safety – standards and testing
 •Natural catastrophes – earthquake and hurricane codes
 • Medical and health policy – establishing a focus on patient safety
 That last goal of improving patient safety is now likely being threatened. The massive increases in group life insurance death claims reported by the insurance giant One America in late 2021 is what, to me, finally confirmed what many of us were seeing from other sources of data in terms of the vaccines being lethal. But now the most recent and wider group life insurance industry report falls short of doing so overtly. The data speaks loudly, but the SOA speaks much more softly, perhaps even corruptly (or at least cravenly).
 Recall that shocking life insurance data burst onto the Covid vax/anti-Covid vax battlefield when Scott Davidson, the CEO of One America “made the mistake” of saying the following disturbing (and truly historic) comments at a news conference organized by the Indiana Chamber of Commerce in the last week of 2021 (below are some headlines in the wake of the event):

 His quotes in that article:
 “We are seeing, right now, the highest death rates we have seen in the history of this business – not just at OneAmerica,” the company’s CEO Scott Davison said during an online news conference this week. “The data is consistent across every player in that business.”
 “the increase in deaths represents “huge, huge numbers,” and that’s it’s not elderly people who are dying, but “primarily working-age people 18 to 64” ( meaning employees of companies that have group life insurance plans through OneAmerica ).
 “And what we saw just in third quarter, we’re seeing it continue into fourth quarter, is that death rates are up 40% over what they were pre-pandemic,” he said.
 “Just to give you an idea of how bad that is, a three-sigma or a one-in-200-year catastrophe would be 10% increase over pre-pandemic,” he said. “So 40% is just unheard of.”
 “What the data is showing to us is that the deaths that are being reported as COVID deaths greatly understate the actual death losses among working-age people from the pandemic. It may not all be COVID on their death certificate, but deaths are up just huge, huge numbers.”
 He also mentioned an “uptick” in disability claims, saying at first it was short-term disability claims, and later the increase was within the long-term disability claims. Ed Dowd and his team at phinancetechnologies.com have analyzed the official U.S government disability data. They found sudden, unprecedented, temporally associated increases in disability with the vaccine roll-out.

 Quick aside: In the months after the article on One America’s data was published, I was invited, along with several colleagues, to speak on a zoom call with major life insurance corporation executives, actuaries and/or their representatives to discuss the data they were seeing and how and whether they could confidently identify (and subsequently announce?) to the public that this death and disability wave was being caused by mass vaccination of working age Americans.
 What happened at and after the zoom call should not be shocking. Despite the industry’s history of boldly improving regulatory safety in a number of fields, almost every attendee’s camera was turned off, and only two people spoke or asked questions. One was a bold, unvaccinated chief actuary of a major company and the other a senior, state regulator of the life insurance industry.
 Ultimately, at that time, given the lack of access to data on the individual vaccination status of all the death claims, it was concluded that a public statement by a group of them was not going to happen (which is what we had been hoping would result). However, it is my opinion based on that experience, that even if the data were definitive, I seriously doubt that group of people would have stood on the media and government “firing line” with us “dissident doctors.”
 It has now been over a year since that meeting. The most recent U.S Society of Actuaries (SOA) Group Life Insurance quarterly report came out May 2023. Many of us anticipated even more damning evidence. The evidence was damning all right - but not the SOA’s interpretation of it. In fact, right on the first page of the report is this comment:
 The Society of Actuaries Research Institute’s May 2023 report and its predecessor reports regarding U.S. Group Life COVID-19 mortality explore the impact of COVID-19 on the group life insurance sector and do not address or consider vaccine status. The research does not validate any claims made that suggest a causal relationship between COVID-19 vaccines and mortality. Any claims implying such a relationship are a misrepresentation of the data presented in the report and are not reflective of the SOA Research Institute's views.
 Although it is true the SOA data does not definitively “validate” the claims of a causation or correlation, for the SOA to then warn that anybody who “implies” such a relationship would be “misrepresenting their data” goes too far. I believe an interpretation that vaccines were the cause is not a “misrepresentation” of their data but instead a compelling and seriously disturbing one.
 I maintain that, using the civil and medical malpractice legal standard of “more likely than not,” the only interpretation you can arrive at is that the vaccines are the cause of the sudden rise in excess mortality in the U.S. I say this based on the lack of a rational, alternative explanation for the sudden, temporally associated increases measured.
 Using the logic that temporal associations largely define cause, there is so much damning data in the report that anyone studying the issue should be alarmed enough by it to publicly scream for at least more analysis than the SOA was capable of. And that is what we did in our USA Today Op-Ed .
 In their May 2023 report , at least the SOA mentioned the vaccines and even shared some analyses they had done to assess whether they could be a cause. But their conclusions, to me and others more expert in analyzing the actuarial data, strongly suggested either political influence or political fear given they wrote that their research “does not validate any claims made that suggest a causal relationship between COVID-19 vaccines and mortality.” They say this despite also finding “a small positive correlation” in 2022 between vaccination rates and excess deaths that was not statistically significant (more on that below). But get this, they go further and state that “since the association was not statistically significant, future reports will likely omit this sub-section.” You don’t say.
 To review the report more in depth, I had help from a life insurance industry expert who more carefully reviewed the entire report and noted the following issues and limitations with both the report and the data contained in it.
 First off, right at the beginning of the report, they report this chilling statistic:
 The 33-month period of April 2020 through December 2022 showed the following Group Life mortality results: • Estimated reported Group Life claim incidence rates were up 15.9% on a seasonally adjusted basis compared to 2017–2019 reported claims. (Whoa - On average, 15% more Americans are continuing to die monthly compared to before the pandemic).
 Now, here are the charts and points that my colleague highlighted in an email as the most interesting (the last one is the most compelling). From their email:
 1 . The SOA data shows modest death increase in 2020 during COVID, big increases in mortality only in dec 2020 (vaccine rollout), vaccine mandates (fall 2021) and the booster campaign (winter 2021/2022).

 2a. White-collar workers saw the biggest increases in all cause mortality in 2021 and it has continued to be elevated relative to blue or gray collars (grey collars are “hybrid” e.g. educated blue collar like teachers, nurses and supervisors).

 So, why were white collar workers suddenly dying at a historically unprecedented rate in the 3rd and 4th quarters of 2021? What happened at that time in the white collar workplace? Does the SOA think they all got drafted to fight on the front lines in Ukraine?
 2b. This higher excess mortality was greatest in government jobs...

 Per footnote, this isn't police and fire, but other types of government employees.  I don't know for sure but suspect Misc Services/Data Processing or maybe Tech sector and Auto/Airplanes/heavy government contractors.
 Does anyone remember a federal mandate for government employees and its contractors to get the Covid jab in the Fall of 2021?

 3. Just to include it, it is important to note the concentration of 3Q'21 in the Southeast.

 Could be Vax driven, e.g. fall 2021 mandates, could be bad doses to some states, could also be differential health status by region (south sickest/heaviest), could also be differential in remdesivir/ventilator/PCR/other denial of care protocols across different states, and all of these things amplifying each other.
 Me - I am not sure what to make of the regional differences above except to say that in the report, the SOA found that the regions with highest excess mortality varied over time as follows:

 4a. This is the age excess mortality chart - shows old people are fine, and young people still have excess mortality as of the 4th Quarter of 2022:

 Again the data is screaming for 3rd quarter 2021 with a sudden 180% increase in death claims for the youngest and healthiest members of society (i.e ages 0-44)? Did the opioid epidemic, global warming, or lockdowns occur just before or during that quarter? Umm.. no.

 This is probably the key focus for your op-ed. Why are youthful folks ages < 64 still suffering worse excess mortality?
 Although I too was troubled to see the excess mortality continuing through 4th quarter 2022,, I still cannot avert my eyes away from the flashing red death signals in the 3rd and 4th quarters of 2021. Do you think this might correlate with the massive explosion in newspaper reports of young people “dying suddenly?”

 In the previous chart (5.8) to this one above, the 35-44 year olds have an excess mortality in the 4th quarter 2022 which is increased 39% over baseline yet the Covid deaths at that time were only up 1%.
 5. Note that they identified that they had worse excess mortality than the U.S. from 4Q'20 to 1Q'22 but before and after it was better.
 Probably this is due to differential adoption of the vaccines for employed folks vs unemployed and not-in-labor market folks.
 Note that Injured folks who leave their job (from injury), and then die afterwards, don't show up as deaths for these policies since there is no coverage for former employees. Possibly some on company disability or workers compensation leave would be covered, but generally former employees lose group life coverage when they leave a company's employment.
 Whoa - this means that the data in the SOA report, as disturbing as it is, is also an underestimate.

 In regards to the chart above, a point that analyst Ed Dowd often makes is that Group Life insurance holders have traditionally been the healthiest members of society with the lowest mortality rates as a sector. Yet, from the jab rollout until the 2nd quarter of 2022, that sector of society began dying at a much higher increased rate then the general U.S population. Recall that group life insurance is also described as a “work perk.” So, American workers began dying at increased rates compared to non-working Americans. Again, what happened in the American workplace over this time period?
 7. The differential varies by age; old folks who are still working have less excess mortality than other retired folks, but younger age group life populations see worse mortality than peers who are not in group life (e.g. not employed, or not in labor force).

 8. This is a good table that shows what's driving claims - In U.S. population it is cardiovascular, drug overdoses, accidents, stroke, liver problems (offsetting decline in COVID 19) plus "all other/unknown."

 9a  Correlations: This is what they are referencing in their quote (steep slope and R2 0.349)

 Data in July - Sept 2021 is strong favorable (though just as easily could be due to remdesivir mortality + PCR fraud + higher level of obesity/COVID comorbidities in low vax states). This is what they previously had concluded as proof of efficacy as many others have, too.
 Why show a chart focusing on that relationship for only a three month period? What happened with this data over time? Let’s see…
 9b. But then Oct 21 thru Dec 22 relationship disappears (slope is flat, and R2 is 0.015)
 There is basically ZERO relationship if you use the same X axis, e.g. ranking states by Vax level as of 6/30/2021. (not correct, but what they did).

 9c. And if you update the X axis to include % of population that is fully vax'd plus % a single additional dose you now have an anti-vax chart - e.g. line is going the wrong way... e.g. more doses, more death (but low R2 of 0.029)

 9d. THEY DIDN'T DO A CHART THAT ADJUSTS FOR DOSES TAKEN IN 2022 (BOOSTERS OR CONTINUED PRIMARY DOSES). THIS IS SUSPICIOUS IN ITS ABSENCE.
 Including 2022 activity would have FURTHER STEEPENED THE LINE (e.g. as most vax friendly states see many people get shot #4 or #5 (and some laggards add #1,#2, #3) through 2022).  This data is available and it is surprising they didn't use it, maybe they did and didn't like how it looks.
 My cynicism at this point knows no bounds and so I think the insurance expert is onto something here. The SOA presenting only these data is a form of “cherry-picking” which has been a consistent tactic by authorities when marshaling scientific support for the pro-vax, anti-ivermectin and anti-hydroxychloroquine campaigns.
 Of course, the r2 is low and there can certainly be confounding factors, but figure 9.21 is their chart, and their data shows that more vaxed' states have higher excess mortality in 2022.
 This is a fact - in their report - which is opposite of their stated conclusions that vax contributed favorably. Their data shows that in 2022 it was actually a negative.
 In summary:
 1) Their data shows that younger people and people who were working suddenly had worse mortality in ‘21 and ‘22, and was concentrated in some professions, including the government employees.
 2) Their data shows that as of year end 2022, excess mortality continues, even though COVID was no longer a major driver of mortality, instead driven by other/unknown causes and a few others (see 8).
 3) Their data shows that any benefits to the vax in early 2021 were no longer helpful, and was harmful in 2022 (though confounding can't be ruled out and r2 is low).
 I'm happy to discuss if can be helpful. For sure there are a lot of ways to interpret all of this data, but I don’t think I am stretching with anything I say above, as long as it includes appropriate caveats.
 -Anonymous

 Ultimately, although to me the signals of vaccine lethality are screaming from the report, the SOA does not have data on the individual vaccination status of the young workers that suddenly started dying at historically unprecedented rates. Instead they were forced to rely on comparing differences in state vaccination coverage rates and their respective excess mortalities to conclude anything with statistical significance (I should give them credit for at least attempting to do this analysis).
 Thus, it is correct that they cannot definitively conclude the vaccines as a cause of excess mortality from their data. One caveat to add to that is.. how accurate are the state vaccination coverage rates? The incentives to over-report vaccine uptake were not insignificant. This should also be taken into account.
 Unsurprisingly, and probably appropriately, the SOA does not attempt to interpret or even specifically mention the timing, suddenness, and magnitude of the rises in death claims of young, white collar workers. I would agree that it is not their job to do this, so the rest of us will. Again, simply by asking if there were any other events preceding and during those massive spikes that could explain the rises. I can find no other rational explanation than the roll-out of vaccine mandates as the cause.
 However, the SOA’s multiple statements against finding a correlation of excess mortality with the vaccines, although appropriately cautious, seems to stem from a strong desire to not be drawn into any debates regarding their lethality. The SOA’s unsurprising cowardice is why we wrote the Op-Ed in the only way we could (i.e. not even mentioning the vaccines as a possible or probable cause).

 P.S I just want to say thanks to all my subscribers, especially the paid ones! Your support is greatly appreciated as it allows me to devote what is often large amount of time I spend researching and writing my posts, so again, thanks. - Pierre
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 P.P.S - Proud to report that my book is gaining Best Seller status on Amazon in several countries and is climbing up the U.S Amazon rankings… Link:

Summary: Our USA Today Op-Ed "silently suggesting" vaccines cause excess mortality was inspired by damning data from the Society of Actuaries. Unsurprisingly, the report conclusions suggest self-censorship.


I Published An Op-Ed in USA Today On The Excess Mortality In Young People Across The World

The original Op-Ed is published here , however I am going to post our longer, less-politically edited version below. All credit goes to my friend Mary Beth Pfeiffer, the fearless and indefatigable investigative journalist who conceived the idea and wrote the original draft (and who writes for the Substack called “Rescue.” )
 Now, the obvious reaction anyone should have after reading our published version is, “Why were the vaccines not mentioned as a possible cause in the article?” If you need me to explain why, I will be brief and blunt: The Op-Ed would NEVER have seen the light of day otherwise. Not in a million years.
 However, although the vaccines are not mentioned as the cause, we literally call out the sudden, unprecedented rise in life insurance claims in the 3rd quarter of 2021 among the healthiest sector of society - working age, white collar Americans with group life insurance policies (i.e. largely Fortune 500 corporate employees). What happened in the white-collar workplace at that time? I will give you the only possibilities that could explain such a sudden rise: a series of terrorist attacks, wartime mobilization, or the proliferation of corporate vaccine mandates. As far as I can remember, only one of those events actually took place.
 After tweeting about the Op-Ed, I took a look at some of the comments under the tweet and found a number of people definitively “ruling out” the vaccines as a cause of the excess deaths. The commenters make two consistent errors in my opinion; 1) they completely ignore (it’s as if they didn’t read the article) the tight temporal associations and sudden unprecedented magnitude of the rises in the healthiest sectors of U.S society in 2021 (rules out lockdowns and overdoses) and 2) they rely on Sweden’s data as some sort of “negating exception” while Sweden is a complex outlier and did not fare nearly as well as people claim as explained in this article by the Swiss Policy Research Group . In fact, here is one way of looking at Sweden’s excess mortality which compares their numbers to “projected” numbers based on recent mortality trends:

 Will the topic raised in this Op-Ed start spreading into a wider news cycle? I am not holding my breath, but here’s to hoping. I am demoralized by having to daily witness reports of sudden, unexpected deaths of young, healthy people where drugs are not mentioned or suspected. Professor Mark Crispin Miller’s Substack is the most disturbing historical record of this time, where he near daily documents the overwhelming individual newspaper stories of young people’s lives ending unexpectedly while doing healthy activities or thriving in their early or mid-careers.
 How this can be happening in so many countries yet the issue still does not break the mainstream media’s propaganda and censorship? This sad reality is one of the most worrying testaments to the power of the captured and controlled corporate media of our time.
 Despite the lockdown on open media discourse, we finally got some Truth in a major mainstream media outlet although we had to let the reader “figure out the answer themselves.” Some will, many won’t but hopefully they will keep asking the question:
 What is killing people?
 By Dr. Pierre Kory and Mary Beth Pfeiffer
 Forget government, science, media or medicine. The most significant trend in a post-pandemic world has emerged from an unlikely corps of dry-as-dust data crunchers.
 Life insurance actuaries.
 Tasked with calculating risks for insurance companies, actuarial societies in the  United States , the  United Kingdom  and  Australia  are tracking a trend that few people are aware of and few in authority have acknowledged. More people are dying than in the years before the pandemic. Many more. And they aren’t predominantly old, infirm or Covid-infected.
 These so-called “excess deaths,” revealed in life insurance claims that are the grist of actuaries, are trying to tell us something. If anybody would listen.
 ·      In the United States in 2022, 15 percent more people died than expected, according to the U.S.  Society of Actuaries , meaning deaths were 115 percent of normal. Among the privileged life-insurance holders served by the society, 4.2 percent more people died, or 104.2 percent of normal. “COVID-19 claims do not fully explain the increase,” the society reported in May.
 ·      The U.K. saw “more excess deaths in the second half of 2022 than in the second half of any year since 2010,”  states  its Institute and Faculty of Actuaries. The trend  continued  into the first quarter of 2023, with more than half of the excess from causes other than Covid-19.
 ·      And in Australia, 12 percent more people died than expected in 2022, according to that nation’s Actuaries Institute. A third of the excess was non-Covid deaths, a figure the institute  called  “extraordinarily high.”
 The reports speculate on the potential drivers of this trend, including oft-cited delayed healthcare; “deaths of despair” such as drug overdoses, and, even, weather patterns. But the job of actuaries is to measure statistical trends, not to define the complex dynamics driving them. A concerted investigation is in order.
 In the year ending April 30, 2023—14 months after the last of four pandemic  waves  in the U.S.—104,000 more Americans died than expected, according to the data tracker,  Our World in Data . In the U.K., 52,427 excess deaths were reported in that period; in Germany, 81,028; France, 17,731; Netherlands, 10,418; and Ireland, 2,640.
 Week-in, week-out, this abnormal and unnatural loss of life is on the scale of a war or terrorist event.
 Yet the massive number of post-pandemic deaths has managed to interest only a cadre of data specialists, scientists, physicians and journalists who believe mistakes were made in pandemic management. We are among them. We won’t discuss those missteps here. But why, we ask, has this issue engendered a deafening silence rather than urgently needed, high-level investigation?
 The U.S. Society of Actuaries   cautioned  that its latest research “does not validate any claims made that suggest a causal relationship between COVID-19 vaccines and mortality.” It did find “a small positive correlation” in 2022 that was not statistically significant, it said, and “does not explain much of the variation in excess mortality.”
 This is where I have to interject. The last paragraph was what we thought we could get in the Op-Ed since it is not definitive in identifying vaccines as the cause, but eventually we decided to simply avoid any discussion of vaccines. However, although we cite the U.S Society of Actuaries as at least being daring enough to mention the vaccines as a possible cause, I will tell you that their feeble yet brazen attempt to divert attention elsewhere is little different from any other agency, society, or organization whose actions have all been directed towards suppressing and distorting the true catastrophic consequences of the vaccine campaign. I maintain that the analyses the Actuaries purportedly did were deliberately superficial and not-definitive. All you need to do is look at the actual data tables and charts in the report. So much of the excess mortality spikes they show have no other explanation than the vaccine campaign. In part 2 of this post, I will walk you through our analysis of the Actuaries report.
 The question is what does explain the ongoing wave of excess deaths, which in particular is affecting the young and working class.
 In the U.S.,  76 percent  of Covid-19 deaths occurred among people 65 and up. But now, excess deaths are flat for seniors, while they are soaring for the able-bodied young and employed, a cohort that has traditionally been the healthiest in society.
 In the last quarter of 2022, deaths among 35-to-44 year-olds were 34 percent above the 2017-to-2019 baseline normal; they were 23 percent above baseline in workers a decade younger and older.
 In the dry parlance of an actuarial report, “The working-age population continues to see the highest A/E (actual-to-expected) ratios.” Tragically, deaths were 8 percent above normal among 0-to-24 year-olds.
 There are other anomalies depicted in the Society of Actuaries report.
 Throughout the pandemic and into 2022, white collar workers, in public administration and educational services for example, died at rates 19 percent above normal, while blue collar workers, curiously, suffered less, with 14 percent more deaths than expected. What made these highly-vaccinated workers, many by mandate, more vulnerable?
 As concerning were momentous shifts in worker mortality in the third quarter of 2021. White collar deaths reached 39 percent above normal. Deaths for all employees were 34 percent higher than baseline. Mortality among 35-to-44 year-olds reached a stunning 101 percent above--or double--the three-year pre-pandemic baseline. In a seeming contradiction, U.S. Covid deaths during that period were  40 percent  lower than the previous wave in 2021. This suggests other factors at play.
 These deaths should cause alarms to go off. They occurred in a population—those with life insurance—whose education, income, and access to healthcare suggest that they, of all people, should have gone back to their pre-pandemic lives. Consider the fate of less entitled groups.
 In England, a searchable government  database  tells wrenching stories of excess death, like the 42 people, from birth to 24 years old, who  died  in a two-week period in May—children perhaps, adolescents and young adults who might be alive but for a pandemic.
 Playing a huge role in England’s excess deaths is cardiovascular disease, which claimed 1,300 more people over normal in the four weeks this spring. Is this a remnant of Covid or of something else? Officials need to study also why a consistently greater share of these excess deaths occur at  home , rather than in hospitals, care homes and hospice.
 The executive of a large Indiana life insurance company was clearly troubled by what he  said  was a 40% increase in the third quarter of 2021 in those ages 18-64.
 “We are seeing, right now, the highest death rates we have seen in the history of this business – not just at OneAmerica,” CEO Scott Davison said during an online news conference in January 2022. “The data is consistent across every player in that business.”
 Governments and regulatory agencies should cooperate with life insurers to investigate this trend at the national and multinational level.
 Without a thorough and collaborative exploration, we can’t know what’s killing us – or how to stop it.

 P.S Part 2 coming tomorrow but I just want to say thanks to all my subscribers, especially the paid ones! Your support is greatly appreciated as it allows me to devote what is often large amount of time I spend researching and writing my posts, so again, thanks. - Pierre
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 P.P.S - Proud to report that my book is gaining Best Seller status on Amazon in several countries and is climbing up the U.S Amazon rankings… Link:

Summary: Although "vaccine" is not mentioned, there is only one explanation for the timing, magnitude and demographics of the deaths. The fact it got published in mainstream media might be a game-changer.