Vaccine or not?

#21,978
#21,978
  • Like
Reactions: norrislakevol
#21,979
#21,979
  • Like
Reactions: 82_VOL_83
#21,980
#21,980
VolinWayne said:

'That Should Have Gone Down': Life Insurance Companies Across the Board See Staggering Increase in Death Benefit Payouts
Click to expand...

The face value of life insurance policies purchased has increased from 3 trillion in 2019 to almost 3.6 trillion in 2021. I would say that has a lot to do with Payouts going up...

Yes, Payouts have increased from $74B (2019) to $94B in (2021) but writing $250 billion more in New policies between 19 and 20 and over $500 billion between 19 and 21 is a huge driver of that...

Don't feel bad for life insurance companies, they made more money in 2021 than they ever have (by a wide margin)
 
Last edited:
  • Like
Reactions: 82_VOL_83
#21,981
#21,981
BigOrangeMojo said:
To play devil's advocate, term life insurance rates have slightly decreased from 21 to 22 even in the light of record inflation...

If there was something recurring here causing a long term Death rate increase (i.e., non COVID deaths), it would be priced into premiums currently.
Click to expand...


So you are of the opinion this is fake news?? The vaccines were rolled out in 2021. How do you explain a 1 billion increase in what they paid out after the "Savior of the world" was rolled out. Also, wouldn't the increase in premiums be coming in 2023 as a reflection of 2022?
 
#21,982
#21,982
kiddiedoc said:
100%.

I'll add that BY FAR the worst effects I've seen in children are the heartbreaking cases of isolation, educational deprivation, anxiety, depression, and suicide.

I would testify under oath tomorrow that policy makers should be held responsible for child abuse.
Click to expand...


I appreciate you being willing to speak up and share your opinions. Keep it up! I hope your practice continues to flourish and do well! We need more docs like you who aren't scared to share dissenting opinions and are only worried about the actual health and well being of their patients.
 
  • Like
Reactions: -GiveHim6-, TN-POSSUM, norrislakevol and 3 others
#21,983
#21,983
VolinWayne said:
So you are of the opinion this is fake news?? The vaccines were rolled out in 2021. How do you explain a 1 billion increase in what they paid out after the "Savior of the world" was rolled out. Also, wouldn't the increase in premiums be coming in 2023 as a reflection of 2022?
Click to expand...

As a whole, the face value of life insurance policies increased by 500 billion from 2019 to 2021. People bought more policies at higher face due to pandemic. Bigger face amount =bigger Payouts. So far in 2022, life insurance rates have been far less than inflation. Health insurance rates are within historic trend ranges. Life insurance companies made more $$$ in 21 than ever. If you are implying the vaccine is killing or making people sick at a wide level, it is not supported by the $1B story you are referencing.

Like many things you post, it's disingenuous or a half truth making an incorrect or incomplete assumption..

There's plenty of evidence indicating the current batch of the vaccine is not working as intended. It doesn't need to be muddied up by incomplete arguments...
 
#21,984
#21,984
BigOrangeMojo said:
As a whole, the face value of life insurance policies increased by 500 billion from 2019 to 2021. People bought more policies at higher face due to pandemic. Bigger face amount =bigger Payouts. So far in 2022, life insurance rates have been far less than inflation. Health insurance rates are within historic trend ranges. Life insurance companies made more $$$ in 21 than ever. If you are implying the vaccine is killing or making people sick at a wide level, it is not supported by the $1B story you are referencing.

Like many things you post, it's disingenuous or a half truth making an incorrect or incomplete assumption..

There's plenty of evidence indicating the current batch of the vaccine is not working as intended. It doesn't need to be muddied up by incomplete arguments...
Click to expand...
Not going one way or the other but 2022 rates reflect past exposure, not current year. Generally insurance companies look at more than a one year span to develop rates. If the vaccines are 18 months into their figures, it'll be skewed by prior years before it. I'd wager the actuaries are going to wait for multiple years of vaccine exposure(if that's a theory of exposure to them) and if there's something to the vaccine, they'll make their adjustments next year(start of 2023) or a year after. Every company is different on how many years they use, unless regulated, but it's generally between 3 and 7 years of completed loss numbers. This will be an interesting trend to follow in the next 3-5 years imo.
 
#21,985
#21,985
utvols88 said:
Not going one way or the other but 2022 rates reflect past exposure, not current year. Generally insurance companies look at more than a one year span to develop rates. If the vaccines are 18 months into their figures, it'll be skewed by prior years before it. I'd wager the actuaries are going to wait for multiple years of vaccine exposure(if that's a theory of exposure to them) and if there's something to the vaccine, they'll make their adjustments next year(start of 2023) or a year after. Every company is different on how many years they use, unless regulated, but it's generally between 3 and 7 years of completed loss numbers. This will be an interesting trend to follow in the next 3-5 years imo.
Click to expand...

Agree, but you saw rate increases from 20 to 21 because of the pandemic so they can "adjust on fly". If there was an exposure to vaccines, it would be creeping into the rates. It just isn't happening. Life Insurance is about the only thing that has gone down even with record inflation...
 
  • Like
Reactions: RikidyBones
#21,986
#21,986
BigOrangeMojo said:
Agree, but you saw rate increases from 20 to 21 because of the pandemic so they can "adjust on fly". If there was an exposure to vaccines, it would be creeping into the rates. It just isn't happening. Life Insurance is about the only thing that has gone down even with record inflation...
Click to expand...
Patience. It can take up to 5 years for myocarditis and other organ damage to actually kill a person.
 
#21,987
#21,987
BigOrangeMojo said:
Agree, but you saw rate increases from 20 to 21 because of the pandemic so they can "adjust on fly". If there was an exposure to vaccines, it would be creeping into the rates. It just isn't happening. Life Insurance is about the only thing that has gone down even with record inflation...
Click to expand...
They can. Futures are embedded into it but usually it's a small fragment. With things like workers comp, health, life the numbers are generally a constant trend one way or the other. There aren't jumps like in home owners and property so their actuary process spans a greater amount of time. I'd wager they will investigate the reasons behind the increase and adjust their market accordingly in the next 18 months rather than sharp rate increases. I hope the reason isn't vaccine and it's a small one year blip.

As far as rate decreases in life, it's likely due to more younger plans which increases the pool. That's an interesting point though.
 
#21,988
#21,988
Jxn Vol said:
Patience. It can take up to 5 years for myocarditis and other organ damage to actually kill a person.
Click to expand...

That’s what we are all waiting to see and rightfully so . One would think before anyone should be able to declare a new vaccine “totally safe “ like big government ( can’t sue ) or big pharma ( can’t sue or will just settle suites later ) do this , without having 5 , 10, or 15 year results to back it up .. it just seems unethical and dangerous as hell to me . 🤷‍♂️
 
  • Like
Reactions: VolinWayne
#21,989
#21,989
0nelilreb said:
That’s what we are all waiting to see and rightfully so . One would think before anyone should be able to declare a new vaccine “totally safe “ like big government ( can’t sue ) or big pharma ( can’t sue or will just settle suites later ) do this , without having 5 , 10, or 15 year results to back it up .. it just seems unethical and dangerous as hell to me . 🤷‍♂️
Click to expand...
The term safe and effective was BS. No long term safety data is a big freaking deal. I cannot express how important that is. This is why you see the attorney adds on tv for metal on metal hips and surgical mesh. You never ever ever rush anything to market in the healthcare space. Especially a shot for a virus with a 99% survival rate.
 
  • Like
Reactions: kiddiedoc and HammondB3Vol
#21,990
#21,990
Jxn Vol said:
The term safe and effective was BS. No long term safety data is a big freaking deal. I cannot express how important that is. This is why you see the attorney adds on tv for metal on metal hips and surgical mesh. You never ever ever rush anything to market in the healthcare space. Especially a shot for a virus with a 99% survival rate.
Click to expand...

Just because I am being critical of some of the stuff @VolinWayne is posting doesn't mean I am pro vaccine. I let facts and stats dictate my opinions, not my ideology. Right now, the vaccine does not work as intended. It is, statistically speaking, a mild therapeutic with unknown side effects. Globally speaking at a 30,000 foot level, the side effects are immaterial at this time (yes, it is not immaterial to those impacted) but yes, there is a risk that those facts change.

Last year, the facts were different. The vaccine, against the first couple of strands, worked largely as intended; however, as the virus has mutated, and got less potent, the facts changed. Statistically speaking @Vjcvette was correct in getting vaccinated given her age last year. This year, the facts have changed.
 
  • Like
Reactions: 82_VOL_83, Behr and Vjcvette
#21,991
#21,991
VolinWayne said:
In case some of you are wondering why some of us who chose not to be vaccinated are still pissed about the past 2 years. This is what we have had to put up with.

View attachment 481846
Click to expand...

Just let it go man. It's totally okay that you were harassed and threatened for 2 years, called a conspiracy theorist and ridiculed, coerced into medical decisions without any liability or data to look at, and told you and your family would be put on vents and have a dark winter by the President. It's not a big deal.
 
  • Like
Reactions: -GiveHim6-, kiddiedoc, VolinWayne and 1 other person
#21,992
#21,992
Ttucke11 said:
Just let it go man. It's totally okay that you were harassed and threatened for 2 years, called a conspiracy theorist and ridiculed, coerced into medical decisions without any liability or data to look at, and told you and your family would be put on vents and have a dark winter by the President. It's not a big deal.
Click to expand...
He's also spread known lies or debunked conspiracies with what appears to be very little concern for facts and truth. That's no better than the other side imo
 
  • Like
Reactions: BigOrangeMojo
#21,996
#21,996
K-town Vol Fan said:
Fact is nearly 80% of the population has had at least 1 shot. 85% in Canada. Yall still just sound crazy.
Click to expand...
I sincerely don't think it's that high. Just a few months ago, people were upset because so many were unvaccinated. How do you trust any number, when the same people pushing numbers come back later, and admit they were wrong? Not trying to be a butt, I'm sincerely doubting that 80 percent of Americans have been vaccinated. I'd be okay with maybe 50, but not 80.
 
  • Like
Reactions: -GiveHim6-, TN-POSSUM, davethevol and 2 others
#21,997
#21,997
K-town Vol Fan said:
Fact is nearly 80% of the population has had at least 1 shot. 85% in Canada. Yall still just sound crazy.
Click to expand...

Fact is COVID presented virtually zero risk to me, a healthy 29 year old or my 11 month old baby. We were never going to be hospitalized from COVID. Throw in the fact that they now admit it doesn't prevent any transmission or infection, I personally would never subject myself or my child to a science experiment. If that's crazy, that's fine. You might change your mind if you had a child. I support anyone's decision who decided to get it.

I think people should respect mine.
 
  • Like
Reactions: TN-POSSUM, kiddiedoc, HammondB3Vol and 2 others
#21,998
#21,998
K-town Vol Fan said:
Fact is nearly 80% of the population has had at least 1 shot. 85% in Canada. Yall still just sound crazy.
Click to expand...

Go ahead , tell us again … What part of “ it’s perfectly safe “ from big pharma and government WITHOUT ANY feedback results sounds crazy to you again . Hello pot , meet kettle .
 
  • Like
Reactions: norrislakevol and Ttucke11
#21,999
#21,999
utvolpj said:
Sure it does when you're acting like he's an innocent victim
Click to expand...

That was never stated. You're putting words in my mouth. I responded to his one specific statement. I don't follow who's who on here enough to know he is an innocent victim or not.
 
#22,000
#22,000
joevol33 said:
I sincerely don't think it's that high. Just a few months ago, people were upset because so many were unvaccinated. How do you trust any number, when the same people pushing numbers come back later, and admit they were wrong? Not trying to be a butt, I'm sincerely doubting that 80 percent of Americans have been vaccinated. I'd be okay with maybe 50, but not 80.
Click to expand...
It is that high by every tracking number. It still leaves almost 70mil unvaccinated
 
New posts
You must log in or register to reply here.

VN Store



Back
Top