State Farm, California’s largest insurer, is threatening to leave the state unless its Department of Insurance allows the company to raise home insurance rates for millions of residents.

Competitors Allstate and Farmers Direct have made similar moves in recent months by limiting coverage in California or leaving the state entirely due to the government’s insurance rate caps.

State Farm and the others claim that climate change is causing more disasters that require rate hikes of 50 percent or more. Many Californians no longer have home insurance coverage at all because insurers are fleeing the state in protest and there are no alternatives.

State Farm General has issued an ultimatum for all of California. The company wants to hike homeowner rates by 30 percent, condominium rates by 36 percent, and renter rates by a whopping 52 percent – and unless this is allowed, State Farm will leave the Golden State.

“This has the potential to affect millions of California consumers and the integrity of our residential property insurance market,” commented insurance commissioner Ricardo Lara, who says he is determined to “get to the bottom” of State Farm’s financial situation.

“State Farm General’s latest rate filings raise serious questions about its financial condition,” Lara added about the number-one insurance firm in the United States.

(Related: Major insurance companies are adding exclusions to policy coverage for riots, insurrection, war.)

Is State Farm struggling financially to survive?

The next step is to hold a rate hearing to allow Lara’s commission to hear from members of the public about the proposed rate changes. After that, the commission will make a decision that could take months to finalize.

Right now, the average amount of time it takes for the commission to approve or deny requests is 180 days. Some cases are taking even longer than that due to the number of large fires California has seen in recent years.

The Department of Insurance in California has already approved two rate hike increase requests from State Farm, which resulted in some state residents seeing massive policy increases. The first hike was 6.9 percent at the start of the year followed by another 20 percent hike in March.

Now, State Farm is requesting a third rate hike even though the company is supposedly worth around $143.2 billion as of 2021.

“At the time, the firm was generating some $87.6 billion in yearly revenue, and this past February, it issued a statement saying its net income for the previous year was an impressive $1.2 billion,” reported the UK’s Daily Mail Online.

“That was up more than 100 percent from the year before, when the Illinois based insurance provider raked in $588 million in income. Still, such a move usually signals an insurance carrier is struggling.”

In one of its requests, State Farm claimed that the purpose of its request is to restore its financial condition, providing the following statement:

“If the variance is denied, further deterioration of surplus is anticipated.”

State Farm further stated that it is currently “working toward its long-term sustainability in California,” this suggesting that the company is facing financial problems.

Back in March, State Farm dropped 72,000 of its California customers, this just one week after being granted permission to jack up policy rates in the state by 20 percent.

Farmers Direct Insurance fled California in 2023, which followed Allstate’s departure in 2022. Should California roll out new rules to help these carriers mitigate their risks, some could end up returning.

Once the economy really starts to freefall, insurance companies won’t want to cover anyone anywhere. Find out more at Collapse.news.

Sources for this article include:

• DailyMail.co.uk
• NaturalNews.com

When times are tough, treasures change hands, the late Burt Blumert, once a gold dealer and Mises Institute Board Chairman, used to say. “Prices are high, and I need cash,” Branden Sabino, a thirty-year-old information technology worker said, adding that with the cost of rent, groceries, and car insurance rising, he doesn’t have any savings. He sold a gold necklace and a gold ring to King Gold and Pawn on Avenue 5 in Brooklyn. “People are using gold as an ATM they never had,” said store owner Gene Furman.

At King Gold, fifty-five-year-old Mirsa Vijil pawned a bracelet to pay her gas bill. “Gold is high,” she said, adding she’d never pawned her jewelry before but will do it again if she needs to.

Adrian Ash, director of research at online gold investment service BullionVault says there is twice as much selling as a year ago on BullionVault’s platform. “People are very happy to take this price.”

“It’s very busy and we are getting more calls than ever before about clients wanting to bring in their jewels,” Kahn said. “I’m telling the clients to bring them in now, as we are at unprecedented levels.”

So while there is plenty of liquidating to pay the bills, demand at the United States Mint is tepid, with sales in March the worst since 2019 for its American Eagle gold coin.

It turns out more than a few of those well-publicized Costco gold bar buyers are having trouble selling them. The bars, not being American Eagles or other similar gold coins, are not as liquid, given that the seller, Costco, will not buy them back. The Wall Street Journal reports, thirty-three-year old Adam Xi called five different gold dealers to get a price he would accept for the gold bar he bought at Costco in October.

He was offered $200 less by one dealer than the $2,000 he had paid. But he found a Philadelphia coin dealer near his home willing to pay $1,960, or twenty dollars under market price.

Mr. Xi has learned, or should have learned, that buying gold to turn a quick profit is a fantasy. His plan was to rack up credit-card points buying the gold and then quickly resell it for a profit.

Buyers can expect their gold to immediately lose around 5 percent of its value, according to Tom Graff, chief investment officer at the wealth advising company Facet. One pays a premium to buy and pays fees to sell. “You need a holding period that’s long enough to overwhelm that cost,” said Graff.

Luke Greib told the Wall Street Journal that he sold a one-ounce Credit Suisse bar on a Reddit page dedicated to trading precious metals to avoid taxes and fees. Buying physical gold is purchasing insurance against monetary mischief by the Federal Reserve, not to earn a profit via a quick flip.

Perhaps it’s hard to imagine currency destruction so devastating that your gold would serve as not only a store of value but a medium of exchange. Peter C. Earle explains in a piece for the American Institute for Economic Research, “During the peak of its 2008 hyperinflation, [Zimbabwe] experienced a catastrophic economic downturn, characterized by the issuance of billion—and trillion-dollar banknotes that were, despite their nominal enormity, virtually worthless.”

Dr. Earle writes that twenty-eight years of inflation “topped a total 231 million percent” and “the ZWD was demonetized in 2009.” The government is making its sixth attempt at a new currency, Zimbabwe gold (ZiG). “ZiG is there to stay forever,” said Vice President Constantino Chiwenga. “This bold step symbolizes government’s unwavering commitment to the de-dollarization program premised on fiscal discipline, monetary prudence and economic revitalization.”

Reportedly, ZiG “is backed by a basket of precious metals including about 2.5 tons of gold along with $100 million of foreign currency reserves held by the central bank.” As always, the Zimbabwe authorities are already blaming speculators for price increases. “Speculators should cease,” Chiwenga said. “Behave, or you get shut down or we lock you up.”

Dr. Earle has his doubts about whether the Zimbabwean authorities will maintain the ZiG backing with the required rigor. While he hopes for success, “Without fundamental changes guaranteeing private property protection, pro-market reforms, and safeguards against corruption, though, the ZiG is likely to retrace the unfortunate steps of its predecessors.”

The reason to buy and hold gold is just in case the Federal Reserve goes the way of Zimbabwe.

Dr. Ben Tapper (@DrBenTapper1) shared an image on X – see below – showing policy changes that “include a war exclusion.”

“Your Commercial Inland Marine Coverage will include a Nuclear, Biological, Chemical and Radiological Hazards Exclusion,” the notice further reads.

My friend sent this to me and said he received it in the mail. Interesting… pic.twitter.com/emBdSXYhqL

— Dr. Ben Tapper (@DrBenTapper1) April 7, 2024

(Related: Earlier this year, we warned that insurance companies were altering their policies to exclude coverage for injuries or sickness caused by war, rioting, insurrection.)

Is the insurance industry expecting World War III?

Though war exclusions are technically nothing new for insurance carriers, they do have ominous implications for what is soon expected. Click For Cover, now known as CFC.com, published a piece last year that explains why.

In the spring of 1937 when German bombs fell on Guernica, Spain, flattening 70 percent of the town’s buildings in less than three hours, property insurers were completely unprepared because they were not expecting such a thing to happen.

“They soon realized it wouldn’t take many Guernicas to wipe out the balance sheets,” CFC says. “They responded by adding exclusions to policies for acts of war – a move reflected in contracts to this day.”

CFC says that insurers “are moving to address war again” now that it is clear there are major developments taking place on the march towards World War III. CFC says cyber war specifically is at the forefront of the insurance industry’s worries, but anything could happen.

“This time the concern is cyber war – specifically, attacks so catastrophic that they cripple a nation’s ability to function,” CFC says. “Lloyd’s of London have mandated the exclusion of such scenarios from March 31st of this year. Some in the market are resisting the move.”

“Insurance brokers are suspicious when new exclusions appear. And rightly so; they usually signal a reduction in cover for policyholders. They present problems for brokers when clients discover they don’t have the cover they thought they did.”

Back in the day, cyber war would have had no meaning since there were no computers. Today, the definition of war has greatly expanded to include a lot of things that policyholders need to know about because it could mean that they will not be covered once the “bombs,” including cyber bombs, drop.

“Mainstream global security organisations now accept that modern war includes cyber-attacks,” CFC explains. “Article 2 (4) of the United Nations Charter prohibits the threat or use of force by one state against another. This applies to nation state conduct in cyberspace.”

“While armed attack is still considered the most serious use of force, cyber-attacks fall under this definition too. In 2019, NATO, the world’s largest military alliance, confirmed this. Secretary General Jens Stoltenberg announced that a ‘serious cyber-attack could trigger article 5,’ a reference to the collective self-defence clause at the heart of NATO’s founding treaty.”

Simply put, there are a whole lot of events that are now considered to be “war” in the eyes of both the government and the insurance industry. By adding war exclusions to policies, many policyholders will likely find themselves in a serious bind when they realize their assets are no longer covered.

“Imagine a company trying to pay out damages to infrastructure in Gaza right now,” one commenter wrote about current events.

“Imagine offering coverage on nuclear damages,” wrote another about how the insurance industry could never cover a nuclear attack and survive.

The latest news about the slow descent into another world war can be found at WWIII.news.

Sources for this article include:

• Twitter.com
• NaturalNews.com
• CFC.com

While most Americans have a healthy distrust for politicians, corporate media, and Hollywood stars, a strong majority of people got jabbed anyway for one huge reason: Most doctors were on board with the mass-vaccination program. Many might laugh when Bill de Blasio or Sean Hannity advise us to get jabbed, but with so many doctors echoing the sentiment, millions if not tens of millions dismissed their better judgment based on recommendations from medical professionals.

Studies and strong data points demonstrating the jabs were neither safe nor effective started coming out mere weeks after the rollout, so why did it take most doctors so long to get clued in? A recently surfaced copy of Kentucky Anthem Medical’s “Covid-19 Vaccine Provider Incentive Program” may offer the obvious answer:

They say money can’t buy you love, but it can buy silence, compliance, and loyalty.

Look at those numbers.

We have always known why the mega-hospitals and medical organizations got on board with massive payments from Big Pharma, but now it’s easy to understand why doctors in smaller practices played ball as well. The threshold to qualify for incentives was one injection. That’s it. These are awfully big payouts for doctors to do a 90-second procedure. And lest we forget, these are the incentives from the insurance company, not Big Pharma… unless you realize that the insurance companies and Big Pharma have been in bed with each other since Obamacare was launched.

Don’t Forget Fauci

With all of these shenanigans happening between doctors, Big Pharma, and the insurance companies, surely the medical watchdogs and corruption bloodhounds in our government can see the conspiracies and shut them down, right? If you believe that, you probably still get your news from MSNBC or Fox News.

As most of our brilliant readers know, government officials are in on it as well. Sometimes, they’re the orchestrators of the evil plans. Other times, they’re just the lapdogs of Big Pharma and the Globalist Elite Cabal. With Covid-19, the rise of Pandemic Panic Theater can be traced back to two men: Anthony Fauci and Francis Collins.

Both of the longtime directors of the National Institutes of Health and its National Institute of Allergy and Infectious Diseases are now conveniently retired to live off the spoils of their taxpayer-funded reigns of terror, but even their inflated salaries were minuscule compared to how much they were paid by the companies they were supposed to be regulating. A watchdog group recently dropped a bombshell about the Fauci-Collins con job.

According to Just The News:

Transparency watchdog OpenTheBooks.com on Wednesday published more than 1,500 pages of unredacted records identifying which companies paid which NIH scientists for which inventions and when, following a mostly successful Freedom of Information Act battle with NIH.

The 56,000 transactions add up to more than $325 million, according to OpenTheBooks, though the individual amounts for each payment and corresponding license are not listed in the records.

Fauci received 37 payments from three companies between 2010-2021: 15 from Santa Cruz Biotechnology, which creates products for medical research including antibodies and made the fifth-most payments in the royalty database; 14 from Ancell Corp., which produces immunology tolls; and eight from Chiron Corp., acquired by Novartis in 2006.

Novartis has received $17 million in NIH contract payments and $15 million in NIH grants since the acquisition. Fauci’s NIAID contracted with Chiron in 2004 to help develop an avian influenza vaccine. He was the highest-paid federal employee when Fauci retired at year’s end, with a $480,000 salary in 2022.

Collins, the NIH director who stepped down at the end of 2021 and then served as President Joe Biden’s COVID-19 czar, received 21 payments from four companies between 2010-2018, led by 12 from genetic research firm GeneDx, which has received $5 million in federal contract payments mostly from NIH since 2008.

Four payments to Collins came from Quest Diagnostics’ Specialty Laboratories, which provides biological testing services; four from Ionis Pharmaceuticals, originally named ISIS, known for RNA-targeted therapeutics; and one from Progeria Research Foundation, a nonprofit specializing in research for the congenital disorder.

OpenTheBooks said obtaining the names and license numbers for each payment, which NIH redacted before a court ordered that information made public, were crucial for “scrutinizing these records for potential conflicts of interest or public health risks.”

It will help determine whether Fauci was truthful when he told Sen. Rand Paul (R-Ky.) at a hearing last year that “I doubt” Fauci received any royalties from any entity that received NIAID money overseen by Fauci, OpenTheBooks said.

As much as I like Senator Paul, I do not have high hopes that he’ll be able to hold anyone accountable. Fauci and Collins are Mafiosos in the globalist crime syndicate. They’re made men, protected from scrutiny and immune to justice. Being high-ranking minions of Satan has advantages… at least in this life.

Keep all of this in mind and spread the word to friends and family. They need to know about the incentives, kickbacks, and corruption that drove Pandemic Panic Theater because another round is likely just around the corner.

Leave your thoughts about this on my Substack.

As we reported last week, State Farm ceased selling new property insurance to California residents and businesses, citing climate change as a primary concern that would cause increased natural disasters. Allstate technically beat them to the punch by ending the practice last year, but they didn’t make it official until Friday.

According to CBS News:

Allstate quietly stopped issuing new policies in California months ago, but didn’t announce the move until Friday. Allstate was the fourth-largest insurer in California, according to the most recent 2021 state data. It earned $4.3 billion in premiums that year and incurred $2.6 billion in losses.

“We paused new homeowners, condo and commercial insurance policies in California last year so we can continue to protect current customers,” Allstate told CBS News in a statement Friday. “The cost to insure new home customers in California is far higher than the price they would pay for policies due to wildfires, higher costs for repairing homes, and higher reinsurance premiums.”

In 2021, California experienced at least 7,396 wildfires, which burned nearly 2.6 million acres of land, according to the California Department of Forestry and Fire Protection. The state had an additional 7,490 wildfires that burned 362,455 acres last year.

There are two problems with the natural disaster narrative. The biggest one is the obvious question of value. With higher risk comes higher premiums paid to insurance companies. Rather than shutting down business in the most populace state in the nation, they could mitigate risks by offering higher premiums. Fewer homeowners would buy it, but certainly some would.

The other challenge with their narrative is that the wildfire frequency has not increased. In fact, last year’s total burned acreage was below the average over the last four decades.

Are insurance companies blaming wildfires for bailing on California so they don’t have to call out other challenges like rampant crime, a dying economy, and woke policies, or do they know something we don’t know?

But as one might expect, the primary culprit cited by most corporate media sources I’ve read point to one major issue: climate change. Why? Because climate change is supposedly the root cause of literally every single possible negative event that has happened, is happening, or will happen… at least in the minds of the indoctrinated cultists.

Below is an article with all the details. As a quick note, I will avoid whenever possible linking to corporate media news sources. While they have the resources to cover national and world news, linking to their articles aids in giving them credibility that they do not deserve. Instead, I will be generating generic reporting that states the facts whenever possible. Here’s the article generated from a corporate media source:

State Farm General Insurance Company has made an announcement stating that it will no longer accept new applications for business and personal lines of property and casualty insurance. The decision comes as a result of significant increases in construction costs surpassing inflation, a rising exposure to catastrophic events, and a challenging reinsurance market, as explained in the company’s press release on Friday.

It is important to note that existing policyholders of home insurance will not be affected by this change, and new applications for personal auto insurance will still be accepted, according to the Wall Street Journal.

State Farm, which is one of California’s largest insurers, holds the position of the nation’s largest home insurer in terms of premium volume, as reported by the same source.

In its statement, State Farm acknowledges the efforts made by Governor Newsom’s administration, legislators, and California’s Department of Insurance in mitigating wildfire losses. The company expresses its commitment to collaborating with the CDI (California Department of Insurance) to help enhance market capacity.

The decision to halt new applications is primarily aimed at improving the financial strength of the Fortune 500 insurance giant.

Michael Soller, the deputy insurance commissioner for Northern California, cited climate change as one of the factors influencing State Farm’s choice. He emphasizes that the reasons behind the decision, such as climate change, escalating reinsurance costs affecting the entire insurance industry, and global inflation, are beyond their control. Soller underlines the significant wildfire risk in California as a fundamental contributor to the state’s insurance challenges.

Soller highlights various wildfire loss mitigation efforts undertaken by the governor, lawmakers, and insurance regulators, including the provision of community fire-prevention grants and the establishment of fire breaks. Additionally, he reveals that California has initiated an insurance discount program that takes into account consumers’ endeavors to mitigate wildfire risks.

California faces some of the highest housing costs in the nation, which have exacerbated the state’s homelessness crisis, according to Fox Business. KUSI reports that over the past five years, the state has allocated $20 billion toward addressing this issue. However, despite substantial taxpayer investments, the problem continues to worsen.

State Senate Minority Leader Brian Jones (R) suggests that a solution exists and points to Texas as an example. During his visit to Houston, he observed a lack of large tent encampments and a minimal number of panhandlers, unlike in California. Jones highlights Texas’s enforcement of laws related to drug crimes, petty theft, and sexual assault, as well as their prohibition of tent encampments. He emphasizes the need to address the challenge of homelessness in a compassionate manner while acknowledging the importance of maintaining proper conditions on the streets.

Overall, State Farm’s decision to cease accepting new applications for certain insurance lines reflects its efforts to address the financial challenges posed by rising construction costs, increased catastrophe exposure, and a difficult reinsurance market. The company will continue to support existing policyholders while working with regulatory bodies to strengthen the insurance market. The impact of climate change and California’s wildfire risks are significant factors influencing the insurance landscape, and the state continues to grapple with high housing costs and a growing homelessness crisis.

• In his new book, “Cause Unknown: The Epidemic of Sudden Deaths in 2021 and 2022,” former BlackRock fund manager Edward Dowd details data showing the COVID shots are a crime against humanity
• Insurance industry research in 2016 concluded that group life policyholders die at one-third the rate of the general U.S. population, so they’re the healthiest among us. Group life policyholders are those employed with Fortune 500 companies, who tend to be younger and well-educated
• In 2020, the general U.S. population had higher excess mortality than group life holders, but in 2021, that flipped. Ages 25 through 64 of the group life policyholders suddenly experienced 40% excess mortality, compared to 32% in the general population. In short, a far healthier subset of the population suddenly died at a higher rate than the general population
• American disability statistics are equally revealing. In the five years before COVID, the monthly disability rate was between 29 million and 30 million. After the COVID jabs, the disability trend changed dramatically. As of September 2022, there were 33.2 million disabled Americans — an extra 3.2 million to 4.2 million — a three standard deviation rate of change since May 2021
• Since May 2021, the overall U.S. population has experienced an 11% increase in disabilities, while the employed — which is about 98 million out of a total population of about 320 million — experienced 26% increased rate of disability. So, something was introduced into the workforce that caused working age people to die

In this video, I interview repeat guest Edward (Ed) Dowd, a former analyst and fund manager with BlackRock, the largest asset manager in the world. With more than $10 trillion in assets, BlackRock wields greater financial power than any country in the world with the exception of the U.S. and China.

Dowd has a knack for seeing trends, and was able to grow the assets he managed during his time at BlackRock from $2 billion to $14 billion. Ten years ago, he left BlackRock, moved to Maui and became an entrepreneur. More recently, he’s come out as a whistleblower against the COVID shots and Big Pharma corruption.

In our last interview, we discussed the mathematical certainty of a financial collapse, and how COVID provided a convenient smoke screen to hide this reality.

Data Reveals Crimes Against Humanity

Dowd has now published a book, “Cause Unknown: The Epidemic of Sudden Deaths in 2021 and 2022,” in which he details the data showing the shots are a crime against humanity.

“When this product [the COVID shots] came to market, I was very suspicious because I know a lot about health care,” Dowd says. “I was on Wall Street and I used to analyze health care stocks. I knew that normal vaccines took seven to 10 years to prove effectiveness and safety.

This was an experimental vaccine, a nontraditional gene therapy that had never been tested on humans. I read the literature on the animal tests and they were an abomination. Then, this thing was approved in 28 days. They got rid of the control group. I knew it was Operation Warp Speed, so I was highly suspicious of this whole thing from the get-go.

Then in early 2021, I started hearing anecdotes that people were getting sick and/or injured, or died, from distant friends and relatives. I started reading about sudden athlete deaths, [and] suspected the vaccine right away. I didn’t have the data that I have now, but I said to myself, ‘You know, I’m going to look at insurance company results, funeral home results.’

That eventually led to excess mortality statistics … I’m known as ‘the excess mortality guy’ right now. What I’ve learned through my own personal experience is that Pharma is, on the whole, mostly fraudulent. Most drugs that have been approved by the FDA [U.S. Food and Drug Administration] aren’t really all that safe and effective.

They have to recall so many drugs every year. The FDA has been wholly captured by the pharma industry. Seventy to 75% of the drug approval pharma arm of the FDA comes from pharma fees, directly from the companies, so this has been corrupted for a long time.

It’s now exposed primarily because [the COVID shot] is [injuring and killing] such a large amount of people. It’s hard to hide this one … This fraud is unveiled and out there for people to see, but it’s only in the echo chamber. Mainstream media is still beholden to Big Pharma because of all the ad spend and the government policymakers … [who] want this to go away.

There’s a giant cover-up going on as far as I’m concerned. The data that I’m going to talk about today is there for the global health authorities to see. They see what I see, and at this point it’s negligence, malfeasance, a cover-up and a crime.

That’s why I’m here, because I don’t believe anybody has a right to tell me what to do with my body, and I can’t believe this actually happened. The numbers I’m going to reveal to you are now a national security concern.”

Group Life Insurance Statistics Tell a Curious Story

Dowd’s concerns are based on a variety of statistics, including but not limited to government mortality and disability data, as well as data from private insurance companies, such as group life insurance data. As explained by Dowd, group life policies are policies given to large Fortune 500 corporations and mid-sized companies.

Basically, when you start to work at one of these companies, you sign onto a policy from Day 1 that includes a health care plan and life insurance plan (death benefit), which is typically one or two times your annual salary. The only way you can get a claim on these policies is if you die while employed. If you quit or get fired, you don’t get this claim.

Group life insurance is a lucrative business for insurance companies because the death rates have historically been highly predictable. In the U.S., the available civilian labor force is about 164 million people in total. Of those, 98 million are actually employed, and of those 98 million, only small subset actually has group life insurance.

“These people are a tiny subset of the 98 million because these are the workers at the best corporations with access to the best health care. They’re highly educated and employed, and you have to have some measure of health to be employed.

The industry did research in 2016 to determine how healthy this population is compared to the general U.S. population … This report said that in any given year, the group life policyholders die at one-third the rate of the general U.S. population. They experience a third the mortality rate of the general U.S. population, so they’re healthy.

What happened in 2021 to this group? Well, let’s talk about what happened in 2020. COVID affected everybody, and the general U.S. population experienced more excess mortality from COVID pre-vaccine than the group life holders, so that relationship helped. Well, in 2021 that flipped. Ages 25 through 64 of the group life policyholders, as reported by the Society of Actuaries, experienced 40% excess mortality.

The general U.S. population in 2021 experienced 32% excess mortality. This is year two of the pandemic with miracle vaccines. Isn’t that interesting? A much healthier subset of the population died at a higher rate than the general population.”

Disability Stats Reveal Jabs Are a National Security Concern

American disability statistics are equally revealing. Every month, the U.S. Bureau of Labor Statistics conducts surveys on disability. In the five years before COVID, the monthly disability rate was between 29 million and 30 million. Those are absolute numbers.

After the COVID jabs, starting in May 2021, the disability trend changed dramatically. As of September 2022, there were 33.2 million disabled Americans. That’s an extra 3.2 million or 4.2 million, depending on whether you’re using the 29 million or 30 million baseline. That’s a three standard deviation rate of change since May 2021.

A three standard deviation means that the chance of this happening is 0.03%, so something happened around May 2021 that was highly unusual. Since then, the overall U.S. population has experienced an 11% rate of increase in disabilities, while the employed — which is about 98 million out of a total population of about 320 million — experienced 26% increased rate of disability.

“So, we have two different databases suggesting the same thing,” Dowd says. “It was detrimental to your health to be employed in 2021 and 2022 … Something is happening to the most able-bodied amongst us, college students, those employed, those in the military, the frontline workers …

Those who are employed are getting disabled faster than the general U.S. population. That shouldn’t happen. The employed amongst us are healthier, generally speaking … If you have a job, you tend to be able to show up at work. Basically, the bottom line is this. The only explanation for this that I can see is mandates for experimental biological inoculations …

One of my whistleblowers from the insurance [industry] told me that as of August 2022, the millennial cohort of the group life holders is still experiencing 36% excess mortality.

People in Fortune 500 companies are dying at a much more excessive rate than those who are not employed there, so this has implications for years to come. It’s a national security concern as far as I can tell … We seem to have poisoned the most able-bodied amongst us through [COVID jab] mandates.”

The same trends are seen in Europe. Excess mortality amongst the young has gone up. In the first year of the pandemic, old people died. In the second year, it suddenly shifted to younger working folks.

A Disaster in the Making

For now, the excess mortality trend in the U.S. has leveled out between 15% to 20% for the general population. In the U.K. and Europe, the excess mortality trend in the general population is between 10% and 20%. Meanwhile, American millennials in the workforce with group life policies have an excess death rate of 36% as of August 2022.

As noted by Dowd, if you’re employed at a Fortune 500 company that mandate boosters, it makes sense that your excess mortality will be higher than the general population if the shots are harming people.

Many in the general population are too young to take the shots, are self-employed, work for small companies that aren’t obliged to mandate shots, or are retired. In short, the general population has had greater choice when it comes to taking the shots or not. If these trends continue at this same rate, it’s an absolute disaster for our economy and society at large.

“The CEO of OneAmerica, Scott Davison, said a 10% rise in excess mortality amongst younger-age working people is a three standard deviation event, or a once in a 200-year flood. That’s just 10%. He said the 40% they saw in 2021 was just unfathomable. They couldn’t even calculate what that meant.

We’re above 10%, so we’re well above the three standard deviation event. What we don’t know is the long-term trends. Anecdotally, one young woman I know, [aged] 30, got it in December 2021.

She’s presenting with heart issues now, in the month of October [2022]. She’s got a heart rate beat per minute of 30, so she’s got problems. I’m hearing about lots and lots of heart issues in my millennial friends’ circles that have presented themselves well after the shot.”

As detailed in “Is Long-COVID the Elephant in the Room?” recent research¹ from Switzerland found the rate of subclinical myocarditis is hundreds of times more common than clinical myocarditis. In fact, 100% of those who got the jab suffered some level of heart injury, even if they were asymptomatic, as they all had elevated troponin levels (an indicator of or biomarker for heart damage).

Stock Trading as an Analogy for COVID Jab Uptake

The good news is that the uptake of the latest bivalent boosters is only 10%, which means 90% of those eligible for it have not gotten it. Hopefully, this is a sign of sanity returning. However, many remain stuck in the pro-mandate box for the simple reason that their egos are wrapped up in it.

Many didn’t take and push the shots for personal health reasons. As noted by Dowd, “They did it for virtue signaling tribal reasons, and they wanted to feel superior to other people.” To break the spell, they must come to the realization that they were duped, they were fooled, and that’s painful.

“If you buy a stock and your investment thesis is proven wrong, what you should do is pull a 180 and sell the stock, because you’re wrong. What I found, even with some of the greatest investors, is that if their ego was attached to it, they would ignore clear evidence that the thesis was compromised. Sometimes fraud would even be involved in some of these companies, but they would continue to buy the stock all the way down.

That’s an analogy for what taking boosters is at this point — taking boosters for a product that doesn’t work at all, doesn’t prevent COVID nor transmission. Let’s say you think it’s safe and effective. But now there are serious safety concerns that are proven, so it’s literally your ego that’s going to kill you. We call that ‘dumb money’ on Wall Street, so think of this like a trade.

You either long [i.e., take a long position on] the vaccine or short the vaccine. Those of us who didn’t take it are short. Those who are long have an opportunity to pull a 180 on this and not get boosters. That would be the equivalent of selling stock.

Those who continue to get boosters are getting longer as more and more evidence [against the COVID shots] rolls out. [Editor’s note: In stock trading, a long position is held with the expectation that the stock will rise in value in the future. If the value goes down, you lose money.]

This is the greatest asymmetric information gap I’ve ever seen in my lifetime, and it’s due to a whole host of factors — media blackouts, government corruption, regulator corruption and ego, people’s individual ego. This is the greatest trade of my lifetime and, what side of the trade do you want to be on?

My hope is to convince people to cut their losses and stop taking this thing and then look at ways to heal the damage that’s been done. The good news is there does seem to be people working on protocols to at least mitigate and hopefully reverse some of the damage.”

Impacts on US Infrastructure

If excess mortality and disability rates remain catastrophically elevated, the impacts on our infrastructure will be severe. Dowd estimates 2 million to 3 million Americans have already been disabled by the shots. Officially, the unemployment rate is 3%, but if you add in the excess disabilities, you find that the real unemployment rate is actually around 6%.

“Why is that important? We have 3% unemployment yet we have help wanted signs everywhere. Well, the reason you have help wanted signs is because people who used to be able to work, able-boded Americans, are no longer able to work, so it’s creating shortages.

There’s also not complete disability. Some people are sucking it up and dragging their ass to work, but they’re also missing days. A lot of people are calling in and missing days … I can also talk about what I’m seeing with supply chain with automobiles. My car was hit July 14th [2022]. My left headlight panel was destroyed and the radiator was damaged.

It took 10 days to get a police report because my police department has staff shortages. Then, I called around and there are shortages of parts all across the globe and the body shops are backed up. I couldn’t even get a tow to a body shop until November, so I couldn’t get an estimate to give to my insurance company. I had to do a photo estimate.

It took them about a month to get back to me, and then when I put in [a claim for] the repairs, my insurance company said, ‘We’re going to junk your car. It’s a total loss. We’ll cut you a check.’ Now, the reason they did that was because they’re making money off my junk car.

They’re going to sell the parts, [which is why] they gave me more money than the Blue Book value … This is kind of the glacial beginning, what I call the ‘glacial Mad Max’ scenario.

Goods and services that we used to take for granted are going to start to disappear. Uber Eats, that’s going to go the way of the dodo bird. There’s just not going to be enough people to fill these jobs and it’s going to become increasingly more difficult to get things. Supply chains are already broken. They’re going to become more broken with less people on the margin.

Remember, supply chains are all done just-in-time. That was a big thing when I was on Wall Street. ‘Just-in-time supply chain, super-efficient.’ Well, just-in-time was algorithmically designed to use the least amount of people. Now, you just need a couple of people to call in sick or disappear, and everything gets backed up. So, this is beginning.

I think it’s going to get worse and worse. What I’m hearing about the medium-term impacts scare me. Because of the uptake in boosters has lessened, we should have seen excess mortality start to drop into single digits. But it’s not.

It’s still running [high], and I suspect when the numbers are in from the flu season this winter, excess mortality will trend up again because people’s immune systems are compromised. Illnesses that would have been easy to withstand are going to knock some people out.”

Life Expectancy Has Plummeted

At the end of August 2022, we also discovered that life expectancy in the U.S. dropped precipitously during 2020 and 2021,² which further supports the hypothesis that the shots are prematurely killing people.

As I was preparing for my interview with Ed, I realized I wanted to discuss the worst decrease in life expectancy in the U.S. in over 100 years with him, as he had not discussed it in his book. I used a few of the non-Google search engines and could not find it at all. Then I realized I saved a copy of the story in one of my PowerPoint lectures (see below):

If I had not saved this screenshot and not had the precise headline to search for I would likely have never found the article.

In 2019, the average life span of Americans of all ethnicities was nearly 79 years. By the end of 2021, life expectancy had dropped to 76 — a loss of nearly three years. Typically, a drop in life expectancy by a mere month or two is a big deal, so a three-year loss is a sign that something catastrophic has occurred.

It’s also rather incriminating that The New York Times article³ that reported this historical decline in life expectancy was quickly deleted, as were all reposts. To me, the decrease in life expectancy is prima facie evidence that the COVID shots are a dangerous fraud. Probably, the article was scrubbed to protect the pro-jab narrative.

This is a classic illustration of what the global cabal is doing, and I discussed it in great depth with an upcoming interview with Whitney Webb. It is clear this censorship and removal of important information will only worsen with time. So if you value a video or article it would be really helpful to download it to your personal drives as it very well may be gone the next time you go to look for it.

More Information

To learn more, be sure to pick up a copy of Dowd’s book, “Cause Unknown: The Epidemic of Sudden Deaths in 2021 and 2022.” To stay abreast on Dowd’s ongoing work, you can also follow him on GETTR.

“I’m not a scientist. I’m not a doctor. I’m a financial capital markets expert,” Dowd notes. “What do we do in financial capital markets? We accumulate information edges over other people to make decisions on asset classes, to make money before everybody else sees the trend change. That’s how you make money.

I live in the world between perception, reality and timing of that switch from perception to reality. Right now, the perception by 90% of the population seems to be that the COVID shot is a safe and effective and I’m crazy. Well, my data suggests that I’m not crazy. Not only am I not crazy, you’re so wrong it’s going to be detrimental to your health.

The book is a journey through how I think. I present the theory of the case. It’s simple deductive reasoning. You don’t have to believe me, but you have to ask this question: ‘If 2020 was so exciting to the media and the health officials that counted all the deaths with such glee, why are they not talking about the excessive death rates we’re now seeing globally, especially amongst the younger age working folks and the employed folks?’

There seems to be crickets on that, so you have to ask yourself, ‘If that’s not a national security concern and a national health crisis, then what is?’ Why the silence? Well, prima facie evidence of a cover-up is my thesis … Look at my book as a stock thesis. It’s my investment case on why I would pitch a stock to you … I’m just pitching you a trade.

Get out of the vaccine. Stop taking them. You’re on the wrong side of the trade, and if you don’t listen to me, instead of losing money, you’re probably going to lose your health and/or life.”

A Red Pill for Christmas

A great feature of “Cause Unknown: The Epidemic of Sudden Deaths in 2021 and 2022” is that it’s not going to overwhelm you with complex statistical analysis. It’s a simple read with lots of pictures and graphs. It also includes QR codes to references so you can rapidly confirm them.

“Everything I sourced,” Dowd says. “It’s a powerful book. It’s a book that I hope changes the marginal mind … I think it makes a great Christmas gift for the family member who doesn’t see the reality we see and, again, it’s coming from a Wall Street guy, laid out as an investment thesis. You can disagree, but all the stuff that I put in the book is sourced and the data is the data …

What we don’t do in the book is we don’t get into the who and why. We don’t want to assault someone’s worldview, but the data’s so compelling, we do say at the end of the book … ‘There’s a cover-up going on and malfeasance.’

Jessica Rose, Ph.D., said in an interview with me, and I put her quote in the book, ‘Some things are worse than death.’ The most acute adverse reaction is death. But there are other ones that can make your life pretty miserable for a long, long time, and also make other people’s lives miserable that have to take care of you.

When you think about labor statistics, if there’s someone in the house that’s disabled severely, the person who’s not disabled loses work hours and work weeks taking care of that person, taking them to hospital visits, what have you.

Also, think about the hospital infrastructure that’s going to be overwhelmed, especially with the health care workers who were mandated to take all these jabs. We’re going to have a health care crisis, whether you know it or not.

It’s coming, and you’re not going to have access to health care … That’s why I think people need to look at holistic health themselves and get as healthy as possible right now … Do what you can outside the medical system because soon it’s not going to be there for you.”

• ¹ Daily Skeptic October 27, 2022
• ^2, 3 New York Times August 31, 2022 (Archived)

According to reports, Lincoln National, the country’s fifth-largest life insurance carrier, reported a massive 163 percent increase in death benefits paid out under its group life insurance policies in 2021.

Annual statements filed with state insurance departments, which were provided to Crossroads Report in response to public records requests, show that Lincoln National paid out almost three times as much money in 2021 compared to yearly totals in both 2020 and 2019.

Last year, an astounding $1.45 billion left Lincoln National’s coffers – this compared to $548 million in 2020 and just over $500 million in 2019. (Related: Earlier this year, OneAmerica, another major life insurance carrier, reported a 40 percent increase in death claims after covid injections were released.)

“From 2019, the last normal year before the pandemic, to 2020, the year of the Covid-19 virus, there was an increase in group death benefits paid out of only 9 percent. But group death benefits in 2021, the year the vaccine was introduced, increased almost 164 percent over 2020,” Crossroads Report explains.

“Lincoln National is the fifth-largest life insurance company in the United States, according to BankRate, after New York Life, Northwestern Mutual, MetLife and Prudential.”

More than 20,000 people covered by Lincoln National died in 2021 because of Fauci Flu shots

Group life insurance policies typically cover working-age adults, which range in age from 18 to 64. This should be an otherwise healthy demographic, and one that clearly did not have much of a problem with “covid” pre-vaccine.

After Operation Warp Speed was launched by the Trump administration, however, deaths in this demographic soared to unprecedented heights.

“How many deaths are represented by the 163% increase? It is not possible to determine by the dollar figures on the statements,” Crossroads Report further explains.

“But the average death benefit for employer-provided group life insurance, according to the Society for Human Resource Management, is one year’s salary.”

Estimating based on an average annual salary in the United States of $70,000, it is safe to assume that more than 20,000 working-age adults covered just by this one insurance company died last year because of the jabs – and keep in mind that this is just one insurance company.

While we do not yet have numbers for New York Life, Northwestern Mutual, MetLife and Prudential, these each are more than likely seeing similar figures, suggesting that hundreds of thousands of working-age adults in America are now dead as a result of becoming “fully vaccinated.”

There are also ordinary death benefits, which are not paid out under group policies. In 2019 pre-plandemic, such policies paid out $3.7 billion, In 2020, that figure increased to $4 billion. In 2021, however, after almost 260 million Americans took at least one jab, the number ballooned to $5.3 billion.

“The statements show that the total amount that Lincoln National paid out for all direct claims and benefits in 2021 was more than $28 billion, $6 billion more than in 2020, when it paid out a total of $22 billion, which was less than the $23 billion it paid out in 2019, the baseline year,” reports explain.

“A $6 billion increase in expenses is something few companies could absorb, but Lincoln National has been working to do just that – by increasing sales of new insurance policies.”

It remains to be seen if the life insurance industry survives what has happened, is still happening, and will happen in the future once the remaining survivors of the injections develop ADE (antibody-dependent enhancement) and VAIDS (vaccine-induced AIDS).

Fauci Flu shots are a deadly affair. To keep up with the latest news about the injuries and deaths being caused by them, check out VaccineDamage.news.

Sources for this article include:

• CrossroadsReport.substack.com
• NaturalNews.com
• NATURAL NEWS