Insurance policies are often one way to get to the truth of a controversial subject. Below, is all the proof you need that Covid is not a serious threat for most of us
"A joint statement from BMA and Association for British Insurers and guidance on reviewing your arrangements for life insurance and income protection during the "pandemic"…. Covid-19 in itself is not classed as a 'critical illness' so it is highly unlikely that a critical illness policy will pay out if you develop non-complicated Covid illness.
See Covid-19: Your Life Insurance. And then there are the insurers who won't pay out life benefits if you DIDN'T get “vaccinated.”