Medical Science: COVID-19 - Do You Have Enough Life Insurance

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Category: Medical Science

Published on Friday, 16 December 2022 14:24

Written by Dr. Jane M. Orient, M.D.,

If you have dependents, you need to protect them in case you die suddenly. Life insurance is the method most used. Sudden, unexpected death of a breadwinner is not new, but the constant stream of hazards in the news should focus your attention.

Many scare stories turn out to be hype—especially those based on computer modeling (and serving an agenda). But the graph below shows actual occurrences. Sudden Adult Death Syndrome is real.

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The source is the National Association of Statutory Health Insurance Physicians (KBV), which insures 72 million lives. Remember that if actuaries, in contrast to public health authorities, make a mistake, they and the companies they work for face consequences—including bankruptcy.

Just after the rollout of COVID-19 injections, there was a sharp, unprecedented spike in unexpected deaths, a 1,000% increase. The KBV denies a causal relationship to vaccination. The cause for the deaths is unknown, but it is not COVID-19. Authorities have not yet done appropriate studies to investigate a possible vaccine connection. Mainstream media did not attend a press event where data analyst Tom Lausen presented the figures, which he calls a "risk signal."

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From CDC data, equity investment advisor Edward Dowd calculates that Millennials, age 25 to 40, experienced an 84% excess mortality in the fall of 2021, coinciding with vaccine mandates and boosters—a Vietnam War-size event.

When it comes to New Year's resolutions, number 1 should be providing as best you can for your family's future, and carefully examining the risks you might be taking.

Jane M. Orient, M.D. obtained her undergraduate degrees in chemistry and mathematics from the University of Arizona in Tucson, and her M.D. from Columbia University College of Physicians and Surgeons in 1974. She completed an internal medicine residency at Parkland Memorial Hospital and University of Arizona Affiliated Hospitals and then became an Instructor at the University of Arizona College of Medicine and a staff physician at the Tucson Veterans Administration Hospital. She has been in solo private practice since 1981 and has served as Executive Director of the Association of American Physicians and Surgeons (AAPS) since 1989.

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She is currently president of Doctors for Disaster Preparedness. She is the author of YOUR Doctor Is Not In: Healthy Skepticism about National Healthcare, and the second through fifth editions of Sapira's Art and Science of Bedside Diagnosis published by Wolters Kluwer. She authored books for school children, Professor Klugimkopf's Old-Fashioned English Grammar and Professor Klugimkopf's Spelling Method, published by Robinson Books, and coauthored two novels published as Kindle books, Neomorts and Moonshine. 

More than 100 of her papers have been published in the scientific and popular literature on a variety of subjects including risk assessment, natural and technological hazards and non-hazards, and medical economics and ethics. She is the editor of AAPS News, the Doctors for Disaster Preparedness Newsletter, and Civil Defense Perspectives, and is the managing editor of the Journal of American Physicians and Surgeons.

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 If you would like to discuss these issues, contact me at This email address is being protected from spambots. You need JavaScript enabled to view it.. Jane M. Orient, M.D., Executive Director, Association of American Physicians and Surgeons.