Probably questions better asked of a group of actuarials than timeshare users. But speculating, if deaths are more frequent/younger, balance sheets would be negatively impacted- but speaking to how the underlying investments have preecipitously lost value recently, their bottom lines have taken a double whammy. So I would think permiums would increase on newly issued policies. That said, insurance underwriters know that everyone dies. That's already known fact. If CV alters the overall avrage lifespan, adjustments can be made- but if the disease really does have a measureable impact primarily on the elderly, it probably won't make a heckuva lot of difference.
Right now, we are looking at this from too close a time frame to seee the overall effect. In time- even the most pessimistic predictors say that enough people will have become infected and 'gotten over' the infection and developed some immunity that life can return to a 'new normal' after a couple of years, that the deaths of some tens- or hundreds of thousands will just be 'blip' on the radar screens of humanity's timeline. Not unlike the deaths that occurred during the 1918 flu epidemic. It had profound effect at the time, but the survivors moved on and the losses mostly faded into the mists of time, and were largely forgotten. To the point that protection and preparation for such events was deemed unnecessary- which brings us to the pickle we are in now.
Sorry for the long winded response. I feel better now, having said it. Take it with however many grains of salt you wish.
Jim
