[old curmudgeon]

Technically you may be correct, but I doubt that you are in real life.

Imagine you are the actuary for this insurance company.

All of a sudden you see the death rates skyrocket for certain companies which you have insured.

You are going to do some investigating to find out why, whether it is an anomaly, whether it is a change in working conditions in that industry or only in that specific company...or whatever. You are not going to ignore it.

So I will bet money the insurance company knows or at least working hard to find out.

[Alberta's Child]

You’re correct about what the insurance companies will be doing from this point forward, but the process I described has been the standard practice for years. That’s why the CEO of this company doesn’t know all the underlying factors in these rising claims right now.

The insurance industry had excessive claims in 2020 and simply attributed it to COVID. Now, they are baffled in 2021 because their claims are rising but COVID apparently isn’t what is driving it. They are going back to square one and trying to figure out what the heck is going on.

[missnry]

So I will bet money the insurance company knows or at least working hard to find out.

To process an insurance claim the company requires a death certificate. On every death certificate will list the alleged cause of death. The insurance company should have that data at their fingertips in a database file.