“Just to give you an idea of how bad that is, a three-sigma or a one-in-200-year catastrophe would be 10% increase over pre-pandemic,” he said. “So 40% is just unheard of.”

Literally off the insurance company charts.

Insurance statisticians; some health care workers; maybe some coroners and morticians might be in the know. But 40% is still below the radar for the population at large to notice. I expect it will have to be 100% or more YOY before the masses really start to notice.