If life insurance companies increase their rates, their sales go down and, if they increase their reserve levels, then dividends go down, so they have to be brutally honest. Insurance companies have not made any changes in their reserve structure. It has been 13 months since COVID-19 came on the scene, but rates have not changed from last year. He says age and obesity are the #1 risk factor for dying from (or with) COVID-19 and, if a person is under 70 and not obese, there is no material change in mortality rate. -GEG