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BUFFALO, N.Y. (WKBW) — It’s a conversation no one wants to have, but for many it’s necessary.“You don’t know what’s going to happen if one of us is left alone,” said Amy Paoletti of Williamsville.Getting life insurance in a COVID-19 world has Paoletti and her husband looking at their options.“You see so many people of all ages dying and no one has anything covered because it just happened,” she said.Paoletti says with owning her own business, Amy’s Fine Jewelry in Williamsville, New York, and her husband working in healthcare, they’re both in contact with many people daily.They’re looking at their life insurance options in case something were to happen to either.“They look at your age, your health and your lifestyle,” said Demetrius Mack, owner of MackBarr Group. Mack helps people with financial literacy and sells life insurance.“We’re in a situation where it’s important that we’re proactive instead of reactive,” he said.Mack says the COVID-19 pandemic has made it harder for people to get life insurance, partly because the underwriting process is taking longer.He says If you’ve had COVID-19 or have a risk for COVID-19, insurers don’t consider you as healthy as someone else, and that could mean if you are approved for a policy, you’ll be paying more.“If you’re more suspect to COVID-19, you’re going to have to fit a certain criteria in order to get said policy,” he said.A lot of people are looking to get life insurance to protect their loved ones if something were to happen.“Making sure you save that money and that you have life insurance,” he said. “The only guarantee we have in life is death, and unfortunately when that time does come you leave people you care about in a really tough situation,” he said of those who do not have the insurance.Mack says if there ever were a time to look into financial planning and your financial future, to make sure you and your family can make ends meet, the time is now.This article was written by Hannah Buehler for WKBW. 1996

CHICAGO (AP) — Authorities say a Chicago man has been charged with murder after a fatal fight that began when he put his hands in Thanksgiving leftovers.James Dixon is charged with killing Vincell Jackson, who was the boyfriend of the Thanksgiving party host.A prosecutor says Jackson was trying to escort Dixon out of the Chicago house because he put his hands in leftovers around 3 a.m. Friday.The fight moved to the porch, where law enforcement says Jackson was stabbed at least nine times.Defense attorney Patrick Ryan says Dixon was properly defending himself.A judge set bond at 0,000. 602

California's Camp Fire didn't just kill dozens of people and destroy thousands of homes. It also left an insurance company in financial ruins, unable to pay millions of dollars to policyholders.A state judge ruled that Merced Property & Casualty Co. can't meet its obligations after last month's Camp Fire, the deadliest and most destructive wildfire in California history.Merced's assets are about million, but it faced about million in outstanding liabilities just in the city of Paradise, court filings show.Judge Brian McCabe's decision allows the California Department of Insurance to take control of Merced. According to court documents, the state's Conservation & Liquidation Office will start liquidating what's left of the company.Photos: Wildfires devastation in CaliforniaUnlike with bankruptcy, where a business or individual can start over, liquidation means there is no hope for a company's recovery.Fortunately for Merced's policyholders, they are covered by the California Insurance Guarantee Association, which "protects resident claimants in the event of an insurance company insolvency."But the association has maximum benefit limitations, according to Merced."If it ends up that you have a claim in excess of CIGA's limits," the company said, "the excess will be a claim against the assets of Merced." 1337

CARLSBAD (CNS) - A report of domestic violence triggered an hours-long standoff in a Carlsbad neighborhood Friday night into Saturday morning, police said.Around 10 p.m. Friday, a woman called police and said her husband had assaulted her, cut her hand with a knife and threatened to kill her before she could escape, according to Carlsbad Police Lt. Kevin Lehan. The woman also told police her husband was heavily intoxicated.Police headed to the couple's residence, on Juniper Avenue between Interstate 5 and Garfield Street, and found the man had barricaded himself inside, Lehan said.The man wouldn't cooperate with officers and after a few hours, a SWAT team forced entry into the home through the front door and a window, according to Lehan.Officers searched the home and ultimately found the man hiding under a bed. He was taken into custody without further incident.It was determined the man was unarmed when police arrested him, Lehan said. 957

CARLSBAD, Calif. (KGTV) -- As a way to deal with San Diego’s growing roadway congestion, more communities are installing mini-roundabouts to slow speeding drivers. Yet some neighbors in North County are calling them death traps.If you take a drive down Cassia Road in Carlsbad, you’ll see mini-roundabouts, also known as mini-circles, that are causing a big fuss. Fire Captain Nick Valenzuela lives in the neighboring community. “I've come down [to the road] because I’ve heard traffic accidents from my house and come down and helped people,” he tells us.“I've seen the aftermath of at least two accidents,” adds neighbor Mark Bua, who is also a police officer. Bua says the mini-circles are so small that drivers blow right past them without yielding for oncoming traffic. He shared photos of debris from some of the collisions.The mini-circles on Cassia Road were installed at the end of 2016 as a way to slow traffic in bustling North County.Mini-circles have had great success in other booming cities like Seattle, which now has more than 1,000 of them with a 90% reduction in collisions.Dan Burden is a renowned traffic expert. He was once named one of the most important civic innovators in the world, according to TIME Magazine. We asked Burden to review photos of the Carlsbad mini-circles. “[They’ve] got some design issues,” he told us. “In this case the circle is so small and there's no consequence in getting close to it. They're designed in a way that a motorist could go much too fast,” he adds.Burden is a fan of mini-circles, if they're done right. He says they're easier on cars than speed bumps and create better flow than stop signs. "They slow traffic down to 15 to 20 miles per hour upon entry,” he adds.However, Carlsbad neighbors claim they’re playing chicken with speeding drivers and lives are at risk.10News submitted a request with the City of Carlsbad to review the number of recent collisions Cassia Road. According to reported incidents, collisions actually appear to have dropped since the mini-circles were installed.Nearby Leucadia is hoping to soon install mini-circles along the congested North Coast Highway 101. A few years ago, the mini-circles were installed in the Bird Rock community of La Jolla, where motorists are now driving half as fast as they used to. On Harbinson Avenue in La Mesa, the circles were removed a few years after neighbors complained about safety concerns.The City of Carlsbad is reportedly monitoring and making refinements to the mini-circles on Cassia Road, but is aware of residents’ concerns and will consider making more changes in the upcoming months.“This is Carlsbad. Things are supposed to be done right. This is not right. This [was] not done right at all,” adds Valenzuela. 2782