What does getting a Covid-19 vaccine have to do with life insurance?
Well, neither rhymes with the word “porcupine.” But some on social media are claiming another link between the two: that receiving a Covid-19 vaccination may actually prevent you from receiving life insurance coverage.
Wait how could this possibly be? Aren’t the vaccines supposed to supposed to save lives by preventing deaths from Covid-19 coronavirus infections? Wouldn’t this be a good thing for life insurance companies? Don’t life insurance companies want you to live in the same way that auto insurance companies don’t want you to drive your car into the ocean? Why then are there posts on social media like the tweet that said, “Insurance company’s won’t pay out on life insurance if you die from the covid vaccine…….what does that tell ya” from @snowdevil8:
Keep in mind that many such tweets happen to be from fairly anonymous Twitter accounts. For example, @snowdevil8 has on its bio is “Snow Geese and Divers yes please, Die hard #MnTwins fan #Trump2020 #MAGA.” So perhaps the only way to tell who this may be is to go around asking people, “do you like snow geese, divers, and Donald Trump, not necessarily in that order? Oh, and who’s your favorite baseball team?”
The “explanation” being provided by some social media posts is that the Covid-19 vaccines are supposedly “experimental.” For example, there’s the tweet that said, “just so you are aware many have died from the covid vaccine, and if you have life insurance you cannot collect it, because the vaccine is deemed experimental, therefore you are not covered if you die from the vaccine #covidscam #insurance #scam #vaccineskill #fooledyou,” from @canolivemusic:
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As you can see, this tweet was a bit like a non-alcoholic drink: it didn’t really offer any proof. Making statements like “many have died from the covid vaccine” without offering actual numbers and supporting evidence would be a bit like saying, “many have died from snow geese and the Minnesota Twins,” or perhaps, “many have died from snow geese who are Minnesota Twins,” without further clarification. That would be a somewhat fowl and foul statement.
In fact, there have been enough such tweets and posts on other social media platforms like Parler to prompt the Canadian Life and Health Insurance Association (CLHIA) to issue a statement that included the following line: “Contrary to misinformation being shared on-line, receiving a Covid-19 vaccine will have no effect on the ability to obtain coverage or benefits from life insurance or supplementary health insurance.” The statement continued by saying that “Canada’s life and health insurers stress that vaccination is one of the most effective ways to protect yourself and others from serious illness and death from Covid-19.”
If you are receiving the Pfizer/BioNTech, Moderna, or Johnson & Johnson Covid-19 vaccines, you are not receiving what’s still considered by the U.S. Food and Drug Administration (FDA) to be an “experimental” vaccine. Instead, you are receiving a vaccine that has already earned emergency use authorization (EUA) from the FDA. That means that the FDA has reviewed the pre-clinical and clinical trial data on these vaccines and determined that the benefits of the vaccines significantly outweigh any risks and unknowns about the vaccines.
Of course, all of this doesn’t mean that there aren’t Covid-19 vaccines out there that are still at the “experimental” or “investigational” stage. There are also plenty of scams out there. Therefore, be careful should someone offer you something called “shhhh, this is a Covid-19 vaccine” or “the special super duper tiara vaccine” or the “hey-this-is-still-a-experimental-vaccine-vaccine.” Make sure that you know the type of vaccine that you are getting and that it’s at a legitimate vaccination location. Proper locations shouldn’t be offering you a combination vaccination, waxing, and decaf latte deal.
This certainly isn’t the first time social media posts have offered misinformation and disinformation about vaccines. Tying an available vaccine with life insurance benefits may be a relatively new one though. It’s not clear how many of the social media posts are from actual human beings versus bots or what the actual sources and their agendas may be. There are many reasons why some person or some bot may spread Covid-19 vaccine misinformation, ranging from inadvertently passing something along to “let’s try to decrease confidence in the government or health care so that you can listen to us instead,” whoever us may be. Listening to a social media post from someone who is not a real expert can be akin to walking on the sidewalk and getting advice from trash cans.
If you are still worried that the Covid-19 vaccine will somehow jeopardize your life insurance, here’s an idea. Try calling your insurance company directly or maybe even several insurance companies. Ask them if getting the vaccine will affect your life insurance coverage in any way. Or contact an insurance expert. Look for someone who has real credentials and puts more on his, her, or its profile than just something related to fowl and foul balls.