The future of excess mortality after Covid-19

This is coming from Swiss Re, which is the world's largest insurance company for insurance companies.

Basically you pay an insurance company premium so that if you have a health emergency the insurance company will take on the cost of your emergency.

Insurance companies pay Swiss Re, so that if the insurance company faces a financial squeeze from unforeseen mass disaster, then Swiss Re takes on the cost.

Swiss Re is basically warning their clients (insurance companies) that Swiss Re is seeing an ongoing trend of excess deaths post Covid, though they expect it to trail off by 2033. They highly recommend their clients factor that in when they calculate what premium they need to charge to be profitable.

I can't recall the article, but on a note related to large-scale emergencies, a wave of excess deaths appear 1-2 years after a major local disaster like a flood, fire, or similar. It's not exactly clear what the source is if it's not stress. Rhetorical questions food for thought: Could it be major life upheavals cause interruptions in previously healthy habits to be replaced with less healthy habits, less personal resources and less access to healthcare after disasters, latent stress follows people around, or that stressful events inherently cause acute but unknown injury resulting in premature death? With the COVID pandemic and shelter-in-place, I would expect a similar wave of excess mortality too unrelated to infection and mental health effects.

Does research is really necessary why cutting people off from healthcare and diagnosing only one disease for over two years caused this, to put it euphemistically, "excess mortality"?