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‘Excess mortality’ continuing surge causes concerns
Life insurance executives and actuaries believe the numbers are alarming
Life insurers paid record levels of claims in 2021,
biggest one-year increase since 1918
Distributed a record $ billion in total death benefits.
Younger adult death rate up 20% in 2023
Center of Disease Control that show mortality rates alarmingly rising for different categories.
The surge in excess deaths caught carriers off guard
15 – 19 years
% difference from 2019
2018, 1%
2020, 21%
2021, 28%
2022, 21%
2023, (Jan – May), 24%
30 – 34 years
% difference from 2019
2018, -1%
2020, 30%
2021, 42%
2022, 30%
2023, (Jan – May), 23%
40 – 44 years
% difference from 2019
2018, -2%
2020, 30%
2021, 45%
2022, 30%
2023, (Jan – May), 25%
Cause of death data show increased cardiac mortality in all ages.
As COVID-related causes declined in 2022,
others rose, particularly stroke, diabetes, kidney and liver diseases.
Society of Actuaries poll
In August 2022, 85% thought excess morality rates would continue to 2025.
In September 2023, 79% believed excess mortality rates will continue through 2026.
UK data
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