Life insurance executives and actuaries in United States believe the numbers are alarming as they paid out record levels of claims in 2021. It is the biggest on-year increase since 1918 and a record of $100.28 billion was distribution in total death benefits. 'Excess mortality' continue to surge, causing concerns and have caught carriers off guard. Younger adult death rate is up 20% in 2023. The Center of Disease Control (CDC) show mortality rates alarming rising for different categories: 15 – 19 years (% difference from 2019) 2018, 1% 2020, 21% 2021, 28% 2022, 21% 2023, (Jan – May), 24% 30 – 34 years (% difference from 2019) 2018, -1% 2020, 30% 2021, 42% 2022, 30% 2023, (Jan – May), 23% 40 – 44 years (% difference from 2019) 2018, -2% 2020, 30% 2021, 45% 2022, 30% 2023, (Jan – May), 25% The cause of death in the life insurance data shows increase cardiac mortality in all ages. As Covid-related causes of deaths declined in 2022, other causes rose, in particular stroke, dia...