Deaths among young Americans documented in employee life insurance claims should alone set off alarms. Among working people 35 to 44 years old, a stunning 34% more died than expected in the last quarter of 2022, with above-average rates in other working-age groups, too. COVID-19 claims do not fully explain the increase.

In the year ending April 30, 2023 – 14 months after the last of several pandemic waves in the United States – at least 104,000 more Americans died than expected, according to 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.

What explains this wave of excess deaths?

Week in, week out, this unnatural loss of life is on the scale of a war or terrorist event.

Life insurance data suggests something happened in the fall of 2021 in workplaces, especially among white-collar workers.

“We are seeing, right now, the highest death rates we have seen in the history of this business – not just at OneAmerica,”

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