What has been particularly notable about COVID-19, in contrast with recent influenza pandemics, is the development of persistent adverse health effects in a portion of infected individuals, ranging from disparate symptoms, such as cough and fatigue, to new onset disease and premature mortality. This white paper investigates the emergence of excess mortality and new-onset disease resulting in insurance underwriting significance beyond 30 days from the time of infection. We focus on published literature for our discussion, and organize our analysis as follows:

• Introduction & background
• Mortality considerations
• Morbidity considerations
• Discussion