Will COVID-19 Vaccination Void Your Life Insurance Contract?!

An attorney, Todd Callender, has gone viral after claiming that your COVID-19 vaccination will void your life insurance contract!

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


Todd Callender : COVID-19 Vaccination Will Void Your Life Insurance!

People are sharing a video of Todd Callender, an attorney, who claimed on a TruNews interview that getting the COVID-19 vaccination will void your life insurance contract!

Death By ‘Suicide’: Life Insurance Companies Will Likely Deny Most COVID Jab Claims

Attorney Todd Callender: “The court specifically found that participation in clinical trials is so hazardous that it voids the coverage of the insurance contract. ‘You should have known.’ They treated it, for purposes of the law, as a suicide. The court is saying, ‘Participating in a phase three clinical trial is suicide.’ That’s the conclusion.”

Here is a short transcript of what he said in the video for your reference.

He quotes an unspecified court case that happened “three weeks ago“, where “the judge looked at this and effectively told the person who took the experimental shot – who died – called it a suicide“.

He then goes on to say, “He characterised it as a suicide because you knew, or should have known, that you were taking part in a highly dangerous activity called the Phase 3 clinical trial, and therefore you voided the coverage under the contract. The insurance company does not have to pay that contract.


Truth : COVID-19 Vaccination 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 : No Judge Ruled Death From Vaccine As Suicide

Oddly enough, Callender did not specify where this court case occurred, or the exact details of the case that he claimed would be a landmark case.

That’s because – there is no such court case. There is no known court case in which a judge ruled that a person who died after receiving COVID-19 vaccination was considered a suicide.

Fact #2 : Fake Story Originated As Court Case In France

This fake story appears to originate with a right-wing, anti-vaccination German website, which posted a story about a French millionaire who died from the vaccine and had his life insurance voided.

That website claimed that it 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.

Read more : Did French Court Rule Millionaire’s Vaccine Death As Suicide?!

Fact #3 : There Was No Such Court 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 :

  • that a French millionaire actually died from his COVID-19 vaccination.
  • that any insurance company refused to pay a life insurance policy, because the insured died from COVID-19 vaccination.
  • that any French court ruled that a death from vaccination is considered a suicide.
  • of any case or court document regarding the case

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 3 months later, no one else covered it except for a few small anti-vaccination websites?

That’s because it never happened.

Fact #4 : Vaccines Only Get EUA After Clearing Phase 3 Trials

Callender falsely claimed that the life insurance was voided because that person was considered to have participated in a Phase 3 clinical trial.

That’s not possible, because COVID-19 vaccinations can only be given to the public, AFTER the vaccine has successfully completed its Phase 3 clinical trial, and received either an emergency use authorisation or full approval from a health authority like the US FDA or EMA.

Phase 3 trials, incidentally, ended in 2020 for both the Pfizer and Moderna COVID-19 vaccines, and they both received their EUA in December 2020.

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 :

  • Moderna Spikevax : 4 October 2021
  • Pfizer COMIRNATY : 3 November 2021
  • AstraZeneca Vaxzevria : 9 November 2021
  • Johnson & Johnson Janssen : 3 January 2022

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 Vaccination Will Not Affect Life Insurance

Insurance companies and regulators across the world have come out to publicly state that these claims are FALSE.

They also publicly stated that COVID-19 vaccination will not affect your life insurance.

American Council of Life Insurance (ACLI)

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.

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.”

In other words, insurance companies in the United States and across the world 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 I have to ask Todd Callender – why do you lie?

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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