The Insurance companies are gonna have to add a new risk category. (Have you been Vaxxed by Pfizer or Moderna)
This is a 3 sigma event.
Just to give you an Idea How big this is, A 10% increase in deaths is considered
a three sigma event. A 200 year catastrophe would only be a 10% Increase
in mortality over pre pandemic levels. this is over 3 fold of that