Excess Deaths In 2021 and 2022 HERE. The insurance industry cannot go on taking these kinds of financial hits – especially when investment returns are so dismal and the market is trending down. It is the estimate of this writer that the government will step in to save the life insurance industry with subsidization of their losses (with the caveat that they have to stop publishing death statistics), or else the industry will quit paying out claims to anyone who has taken experimental medical treatments (which is what the COVID 19 vaccine is by their own admission).