These costs are found in your insurance policies. The company always reserves the right to increase them if they have higher than anticipated deaths or expenses. I looked I couldnt find any company that has asked the NAIC for permission to raise their rates. If we are in a pandemic why no adjustment/increase?
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Haven't been advised of any. I write funeral policies (life policies with the proceeds being paid direct to the funeral home for the cost of the funeral). One carrier I write for has only added a form asking if you have had or currently being treated for the coof in the last 30 days.