I think this informative piece on how Covid-19 deaths are calculated by the various organisations covers your point pretty well. Figure 2 in the study has a graph showing the spike in excess deaths against a 5 year average.
https://www.kingsfund.org.uk/publica...eaths-covid-19
It is recognised that in just over 90% of cases those who died had pre-existing conditions. There seems to be an argument being made by some that these people were dying anyway so that the risks from the virus are being over-blown. I saw this rather inelegantly referred to as the "Harold Shipman" defence which somehow mitigates responsibility for how the virus has been managed in the UK.