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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
It turns out that wireless internet home surveillance systems aren't just about security - they're also about selling homes at the highest price.A new scientific poll from NerdWallet says 15 percent of homeowners use their home security systems to view people looking at their homes. And about half of those surveyed say monitoring how people react to their homes could be useful information when it comes to negotiations."If your client's excited about the property you don't want them to say, 'this is the one, we'll take it no matter what,'" said San Diego realtor Gary Kent. "It's not going to be good for their negotiating position."Kent says he personally does not use the cameras when selling homes, but has warned his agents that they could be on camera when showing homes. That way they know to advise their clients to keep any emotional reaction under wraps - so they can keep the leverage they do have in San Diego's tight real-estate market. Still, the idea of using the surveillance system - namely audio without someone knowing - raises legal and ethical questions. The California Department of Real Estate says this could be considered a dishonest dealing and could be grounds for discipline. For it to be legal, the sellers agent would need to get permission from these being taped, or put up signs informing them of the surveillance. 1369

In just the latest reminder of the dangers of pollution in our oceans, a dead whale in Indonesia has been found with 13.2 pounds (six kilograms) of plastic waste in its stomach.The 31.17-foot sperm whale was found near Kapota Island in Wakatobi National Park, southeast of Sulawesi.Park officials found bags, plastic bottles, sandals and 115 plastic cups in the whale's stomach, as well as a sack containing more than 1,000 pieces of string."Although we have not been able to deduce the cause of death, the facts that we see are truly awful," said Dwi Suprapti, marine species conservation coordinator at WWF-Indonesia, in a statement to CNN.The macabre discovery was made in an area popular with tourists and comes at a time of increasing concern over the impact of plastic pollution on marine life.In June, a short-fin male pilot whale died in southern Thailand and was later found to have ingested more than 17 pounds of plastic bags and packaging.During an autopsy, veterinarians found more than 80 plastic bags in the whale's stomach.A 2015 report by Ocean Conservancy and the McKinsey Center for Business and Environment found that over 50% of the plastic leaking into world oceans comes from China, Indonesia, the Philippines, Thailand and Vietnam, suggesting that the two whales died in dangerous waters for marine life.The report claims that a 65% reduction in plastic waste leakage in those five countries would lead to a 45% reduction globally.Without intervention, the amount of plastic cluttering the Earth's oceans will triple within a decade, according to a recent study by the UK government.However, there is evidence that lawmakers are taking notice of the threat, as the European Parliament voted to ban single-use plastics in October.The proposal covers items such as straws, cotton swabs and cutlery, in addition to obliging EU states to recycle 90% of plastic bottles by 2025.In October, the dangers of plastic were underlined when a decades-old bottle washed up almost intact on a UK beach.The plastic bottle of dishwashing liquid was at least 47 years old, with its branding still clearly visible.The-CNN-Wire 2140
It's in a mother's nature to help her children, but one group of moms is doing what it can to help students across the nation.Eleven mothers from metro Washington, D.C. banded together to find free housing for students coming to March for Our Lives on Saturday. The march is a student-led demonstration for school safety and stricter gun safety laws, created after the Marjory Stoneman Douglas school shooting in Florida killed 17 people in February.These moms know students have the march planning under control, so they created March for Our Lives Lodging to support their efforts. 591
In telling the story of a Cincinnati family dealing with the immigration dilemma, an Ohio television station is choosing to do it through comic illustrations.The project by The E.W. Scripps Company's WCPO television station, “Living in the Shadows,” is the story of the family whose daily life is clouded by the complicated laws and opinions around immigration.The story is told through the eyes and voice of a Cincinnati teenager, who is called Adriana. Comics journalist Kevin Necessary and reporter Breanna Molloy conducted several interviews with Adriana, her mother and her brother. Most of the text is taken directly from those interviews. WCPO has chosen not to identify the family members and, as a result, it is not using their real names. The drawings are not their exact likenesses. During the television interview that airs on WCPO in Cincinnati, they will be shown in shadow. The station had this to say:"We don’t want to put the family at risk of being arrested or broken up by identifying them. Arrests of undocumented immigrants like the mother in this story have risen sharply in the last year. We have seen that in our community, too. "Our goal is simply to tell the story of one family in our community and how their lives are affected in the national debate on immigration." 1352
来源:资阳报