Forbes | Amy Danise
Life insurance companies don’t like the unknown. They operate on numbers: Gathering information about applicants, asking a lot of questions, and using actuarial tables to help decide the rates for each applicant. The COVID 19 pandemic is bringing a lot of unknowns to their desks. 
“Now because of this black swan event, there are no actuarial tables for this,” says Chirag Pancholi, co-founder of Jenny Life and an industry veteran.
Pinning down accurate numbers for COVID-19 mortality can be nearly impossible. Numbers of total cases are likely under-reported because people with mild cases likely don’t seek medical care, there have been limited supplies of testing kits, and there’s a limited capacity for labs to process tests worldwide.
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