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Will COVID-19 Vaccine Void Your Life Insurance?!

Dr. Peterson Pierre has gone viral with his claim that getting the COVID-19 vaccine will void your life insurance.

Take a look at his claims, and find out what the facts really are!


Dr. Pierre : COVID-19 Vaccine Will Void Your Life Insurance!

People are sharing a video of Dr. Peterson Pierre, claiming that getting the COVID-19 vaccine will void your life insurance.

He quotes a court case in France, and claims that the American Council of Life Insurers (ACLI) said that life insurance policies may deny payment for people who die from COVID-19 vaccines.

Here is a transcript of his video for your reference. But feel free to skip to the next section for the facts…

So in France, there was an elderly, wealthy businessman who got a life insurance for millions of dollars. He got the COVID-19 vaccine and he died.


Truth : COVID-19 Vaccine Will NOT Void Your Life Insurance!

This is yet another example of anti-vaccination FAKE VIDEOS that anti-vaccination activists are concocting to mislead people about the safety of the COVID-19 vaccines, and here are the reasons why…

Fact #1 : AFLDS Creates + Spreads COVID-19 Misinformation

Dr. Pierre identifies himself as a doctor with the AFLDS – America’s Frontline Doctors.

AFLDS is a right-wing American political organisation that is well-known for creating and propagating COVID-19 misinformation.

Everything associated with AFLDS should never be trusted, until proven true. Yes, they are that bad.

Fact #2 : The Story Was Made Up

I traced the provenance of this story from a Greek website, to a right-wing, anti-vaccination German website, which claimed that the story was originally published by the family’s lawyer, Carlo Alberto Brusa, on his Facebook page.

However, Brusa’s Facebook page has ZERO post about any court case, going all the way back to 27 December 2020 – when COVID-19 vaccinations first kicked off in France.

As far as anyone can tell – this story was completely FABRICATED.

Fact #3 : There Was No Such Case In France

There are several articles and videos – all referencing the Greek or German website, which leads us back to Brusa. And yet, there is ZERO evidence :

If a French court did indeed rule that dying from a COVID-19 vaccine is considered a suicide, it would have been HUGE NEWS with major legal implications, and covered worldwide!

These articles were first posted in January 2022, and more than 2 months later, no one else covered it except for a few small anti-vaccination websites?

That’s because it never happened.

Fact #4 : COVID-19 Vaccines Are Not Experimental

Dr. Pierre falsely claimed that the COVID-19 vaccines are experimental.

COVID-19 vaccines are no longer experimental, after they receive either an emergency use authorisation or full approval from a health authority like the US FDA or EMA.

That only happens if they successfully complete their Phase 3 trials, and undergo a stringent review process. So it is not possible to use an experimental vaccine for mass vaccination.

I should also point out that the Pfizer vaccine received its full FDA approval on 23 August 2021, while the Moderna vaccine received its full FDA Approval on 31 January 2022.

The European Medicines Agency (EMA) also renewed the authorisation for these vaccines :

So none of those COVID-19 vaccines are experimental. They have all passed their clinical tests, and have been approved.

Read more : What’s The Difference Between EUA vs Full FDA Approval?

Fact #5 : COVID-19 Vaccines Proven Safe

The COVID-19 vaccines were proven safe and effective in the massive Phase 2/3 trials that involved hundreds of thousands of volunteers.

These COVID-19 vaccine clinical trials are much larger than the usual clinical trials for new drugs or vaccines.

On top of that, they continue to undergo post-marketing surveillance, to catch very rare side effects like myocarditis (risk of less than 1 in million).

With so much clinical data, there is no way any insurance company or court can say that the vaccines are dangerous, or experimental.

Read more : What’s The Difference Between Full FDA Approval vs. EUA?
Read more : Vaccine Myocarditis Risk Less Than 1 In Million!

Fact #6 : COVID-19 Vaccine Will Not Affect Life Insurance

Dr. Pierre also falsely claimed that the American Life Insurance Council said that “life insurance policies may deny payment if you die from the COVID-19 vaccine because they are experimental drugs.”

First of all, there is no American Life Insurance Council. There is only the American Council of Life Insurers (ACLI).

Secondly, the ACLI had earlier posted two statements refuting this ridiculous claim.

ACLI Statement Of 12 March 2021

A social media post appears to be behind the spread of entirely false information, suggesting a COVID-19 vaccine could be a factor a life insurer considers in the claims-paying process. 

The fact is that life insurers do not consider whether or not a policyholder has received a COVID vaccine when deciding whether to pay a claim. 

Life insurance policy contracts are very clear on how policies work, and what cause, if any, might lead to the denial of a benefit. A vaccine for COVID-19 is not one of them. 

Policyholders should rest assured that nothing has changed in the claims-paying process as a result of COVID-19 vaccinations. 

Policyholders should reach out to their life insurers, agents or financial professionals for their COVID-related questions. They will be happy to help.

ACLI Statement Of 16 September 2021

We said it before and, unfortunately, we must say it again because misinformation about life insurance claims and the COVID-19 vaccine continues to spread.

Policyholders should rest assured that nothing has changed in the claims-paying process as a result of COVID-19 vaccinations. Life insurance policies are very clear on how they work, and what cause, if any, might lead to the denial of a claim. A policyholder’s decision to receive or not receive a vaccine for COVID-19 is not one of them. Nothing has changed in life insurers’ claims paying process.  

Policyholders should reach out to their life insurance companies, agents or financial professionals for their COVID-related questions. They will be happy to help.

In other words, insurance companies in the United States will not deny payment of a life insurance in the event someone dies from a COVID-19 vaccine.

These statements were posted MONTHS ago… so Dr. Pierre knowingly misled you about what the ACLI said. So I have to ask Dr. Pierre – why do you lie?

Fact #7 : It’s The Same In France + Around The World

Just in case you are wondering – insurance companies in France and around the world do NOT :

Insurance companies and associations worldwide have stated that COVID-19 vaccinations do NOT impact life insurance claims.

They also do not call deaths from getting a COVID-19 vaccine “suicide”.

Insurance Control and Resolution Authority of France (ACPR)

The conditions of the death of the insured have no effect on the payment to the beneficiary of the sums paid on a life insurance contract.

Exclusion clauses are provided for contractually… In practice, the risks targeted by the exclusions are not very diversified and, to our knowledge, no contract contains clauses which would make it possible to exclude as a cause of death, the aftermath and consequences of vaccination, or more generally of taking medical treatment, on the prescription of a doctor.

Canadian Life and Health Insurance Association (CLHIA)

Contrary to misinformation being shared online, 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 CLHIA is aware of misinformation that is being spread through social media claiming that individuals who get the vaccine will not be able to get life insurance or may be denied their disability or life insurance benefits. These claims are incorrect and have no basis in fact whatsoever.

Association of British Insurers (ABI)

There are some claims being made that having the Covid-19 vaccine will impact your life insurance cover. This is false.

Receiving a vaccination against Covid-19 will not impact your insurance cover, be it life insurance, private medical insurance or other forms of insurance.

Financial Services Council of Australia (FSC)

 The Financial Services Council (FSC) is today reassuring Australians that taking a COVID-19 vaccine will not invalidate life insurance policies despite false rumours suggesting otherwise. 

FSC CEO Sally Loane said the false rumours, which have been circulating on social media, incorrectly suggest the COVID-19 vaccine is an “experimental medical treatment” and therefore having the vaccine is a “self-inflicted injury” which could void life insurance policies. 

“To be clear – the COVID-19 vaccine is not experimental treatment. Receiving approved treatment from a qualified medical professional at an approved medical facility is not a self-inflicted injury,” Ms Loane said. 

“One of the main reasons why people hold life insurance policies is to provide peace of mind for themselves and their families. The FSC would like to reassure Australians that when they get vaccinated, their life insurance will be there for them, completely unaffected. 

“This scare mongering is wrong, it is entirely inappropriate and it needs to stop immediately.”

Now that you know the facts, please help to fight fake news – SHARE this article out!

And please protect yourself, and your family, by vaccinating them against COVID-19!


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Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.


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