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It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

In one exceptional piece of journalism, content creators led readers to understand everything about "The Wall" that President Donald's Trump has proposed for the U.S.-Mexico border.That content includes an aerial video of every foot of the border. It allows people to explore every piece of fence and "even stand at the border in virtual reality." It was made as an effort of the Arizona Republic with the USA Today Network, and it is the winner of a prestigious journalism award.Go here to see "The Wall" project"The Wall" is one of many tireless journalism efforts named a winner of the 65th Scripps Howard Awards. WATCH THE 65TH SCRIPPS HOWARD AWARDSThe winner in the Scripps Howard Awards' "Topic of the Year — Divided America" category, VICE News sent a correspondent behind the scenes with white nationalist leaders as well as counterprotesters in Charlottesville, Virginia in the days after a "Unite the Right" rally in 2017 that left three dead.VICE News' content is called "Charlottesville: Race & Terror" and includes comments from residents of Charlottesville, members of the Black Lives Matter movement and the Charlottesville Police.Go here to see "Charlottesville: Race & Terror""Harassed" by the New York Times also won a Scripps Howard Awards honor in the "Investigative Reporting" category. The piece uncovers "the secret histories of prominent men across industries who were accused of sexual harassment and misconduct that affected women ranging from actresses to factory workers to food servers." The articles in this series were a catalyst for the #MeToo movement.See "Harassed" by the New York TimesThe Scripps Howard Awards aim to spotlight the very best in quality journalism that impacts the world in which we live. Journalists spend countless hours away from those in their personal lives in order to expose truths and bring about change and justice. Those being honored with these awards, in several categories, are journalism heroes. 2078

In this video grab issued Sunday, Aug. 30, 2020, by MTV, Lady Gaga accepts the Tricon award during the MTV Video Music Awards. (MTV via AP) 147

Is it safe to get together for the holidays? As Thanksgiving approaches, many people are having those discussions, and many are desperate to not only see family, but to travel.Zane Kerby, President and CEO of the American Society of Travel Advisors said, “People are itching to get out there.”The nonprofit organization represents 15,000 travel advisers across the U.S. They often poll consumers and recently learned that people are craving a change of scenery.“People have said, 'You know what? I want to go five, six, seven hours away,'” Kerby said. “They want to do that aspirational trip that they’ve been thinking about before the pandemic and now they really want to do it.”And they're talking about Thanksgiving and wondering whether they should drive or fly.“We asked people point blank what are you going to do for Thanksgiving?” Kerby said. “We’re encouraged, only 15% who normally travel said they weren’t sure they were going to fly this year. Kerby said that there is pent up demand for travel, and there is optimism in the industry.But, if you're talking about getting together, doctors stress that you do so safely.“All of these decisions are weighing risks and benefits and I wish I had a crystal ball,” said Dr. Beth Thielen, an assistant professor of pediatrics at The University of Minnesota Medical School. Dr. Thielen also is an infectious disease doctor. “I wish I could tell you what’s going to happen but I can’t, but I can tell you riskier things and safer things and appreciate that even the most precautions don’t eliminate your risk either.”“I think identifying if you or someone you’re hoping to gather with has those underlying conditions, that you maybe need to be extra cautious about preventing exposures,” she added.Of course, everyone wants to get together and realizes the importance of family.Dr. Thielen advises to limit the number of people, assess your own risk and that of those whom you're considering visiting. She recommends thinking about limiting your exposure to other people in the weeks before you travel.“All of these infections have an incubation period,” Thielen said. “You’re exposed to somebody with the infection taking root but not manifesting itself or detectable by testing for COVID. It’s a few days a week or so before that exposure happens.”We're learning a lot about COVID-19. We know outside is better. Masks are important. And we now know it affects people differently.Kerby said if you're considering flying, know that the industry is taking extreme precautions for travelers.“Between the HEPA filters they use on planes, electrostatic and defogging they're doing after every flight, the air on an airplane is probably better than the air in your home,” Kerby said.While there is a lot of discussion to be had about the holidays and travel, if you can do it safely, everyone wins. 2853

INDIANAPOLIS -- After Papa John's CEO John Schnatter blamed the NFL and protests during the national anthem for his company's falling pizza sales, he gained some new fans -- just ones he doesn't want. After Schnatter's comments, neo-Nazi website The Daily Stormer claimed Papa John's was the official pizza of the alt-right. The website posted a photo of a pizza with pepperoni in the shape of a swastika.Papa John's has since denounced its new supporters. 494

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