The answer is that insurance rates are not only based on the current year but also on the projection of over a long period of time.
If payouts spike but level off over a long period of time then the insurance can be window dressed over.
But if there is a spike in deaths followed by a huge increase then it can not be glossed over with any window dressing.
The answer is that insurance rates are not only based on the current year but also on the projection of the over a long period of time.
If payouts spike but level off over a long period of time then the insurance can be window dressed over.
But if there is a spike in deaths followed by a huge increase then it can not be glossed over with any window dressing.