- 4,609
I would think the people who suddenly decide on becoming insured because of a pandemic are most likely to be Term buyers, therefore Term payouts likely increased more than other forms, because mortality rates were not really out of line with previous years/decades.
Agree. I just think there is a 6-18 month lag time on data being updated in some cases. So, maybe excess mortality will be slower to see but insurers are quicker to report paid claims than govt data bases being updated