Insurance CEO, Todd Callender says the real pandemic is NOW. As a large insurance group, we underwrite morbidity risk. Based on what we are seeing, the rates right now, excess mortality is at 84%, and excess every kind of disease at 1100%. 2022 we are expecting upwards of 5000% \ud83c\uddfa\ud83c\uddf8Join Us\ud83d\udc49 @SGTnewsNetwork