Insurance in the USA has gone up like 30% even just recently. I think people are dying of the vaxx. They never did "figure out" what was causing so many people to die and claim life insurance, nor does it appear from rates that the torrent has abated. Insurance operators are still losing money in market conditions. That is to say: their customers will not absorb the rate increases as fast as they need to make them to try to balance their actuarial tables. People may be giving out on the road, increasing auto rates, too. The industry may not survive without government help.