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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 the town of Schuyler, Nebraska, located about 65 miles west of Omaha, immigration reform is a huge issue.A Cargill beef processing plant is the largest employer there, with a predominately Hispanic workforce.People who live in Schuyler, a town of about 6,000 people, are worried what the economic impact would be on the immigrant workforce there if DACA recipients and their families are forced to leave."In this town, there's a lot of commerce, Hispanic business. And the majority of our clients are Hispanics," said Rosa Lopez, Schuyler restaurant owner.Business owners in Schuyler — with a population that’s nearly 70 percent Hispanic and a business district dominated by Hispanic-owned shops and restaurants — is worried about the repercussions its economy would face if there's no DACA resolution by March."We depend on our youngsters for the future,” resident Irma Cuevas said. “So if that were eliminated, it would completely devastate not only Schuyler, but several other communities.""They're our clients,” Lopez said. “And if they get rid of the program, we would lose them as clients. And they wouldn't be able to contribute to the local economy."Long-time residents, like Luis Lucar, say DACA helps keep — and bring in — more people to the workforce there in Schuyler, which he says used to be a ghost town."If that happened, Schuyler would definitely go back to those years where businesses were closing,” Lucar said. “I don't think we want to see that again. And not only in Schuyler, but other Nebraskan cities that basically survive because of the immigrant workforce."Burrito House owner Chuy Salinas said at the end of the day, DACA recipients should get to stay — not only because it's good for business, but because it's the right thing to do.“Business is business,” he said. “But it's heartbreaking to see the moms and their kids, even if they're older like 22 or 25 — they'd have to be sent back and not even have a place to live.” 1964

It's been a brutal week for many big American retailers.JCPenney announced Friday that it will cut 360 jobs at its stores and corporate headquarters. That's on top of the more than 5,000 layoffs in 2017 after JCPenney decided to close nearly 140 stores.The struggling retailer also said that its earnings and sales for this year will be worse than what Wall Street analysts were expecting. Shares of JCPenney plunged nearly 10% in early trading.JCPenney wasn't the only prominent bricks and mortar chain to report poor results this week.Barnes & Noble posted a quarterly loss and a drop in sales Thursday morning, sending the bookstore's shares to an all-time low.Victoria apparently needs a new Secret too. L Brands, the owner of the lingerie seller and Bath & Body Works, plunged 14% Thursday after its outlook turned out to be more devilish than angelic.Nordstrom, which is trying to go private, failed to impress investors with its latest results after the closing bell Thursday. Its stock fell 6% Friday morning.And the other shoe dropped at Foot Locker. The sneaker and athletic apparel company's sales missed forecasts and its outlook was weak as well. Foot Locker's stock dove 7% Friday morning.Related: The one sector of retail that's hiring -- a lotAll this bad news comes at a time when the retail industry is undergoing a massive transformation as more and more consumers shop online.People are still spending. They are just doing so on their phones as opposed to at the mall.That's been great for e-commerce leader Amazon, which has continued to post impressive sales growth. Its stock is also up more than 25% this year and is near a record high.Coye Nokes, partner in the consumer and retail practice at strategy consulting firm OC&C, said that the threat from Amazon is clearly the biggest challenge for most traditional retailers."Amazon is still coming and it is entering even more categories," she said.But she added that there are some retailers that have been fighting back and have done a good job of boosting their own digital operations.Related: Macy's is back! Stock up on solid salesMacy's shares rallied earlier this week after the iconic retailer topped analysts' forecasts and said that online sales continued to grow at a double-digit pace.Best Buy also posted strong sales in its stores and digital operations on Thursday. The electronics retailer's stock even rose 4% while the broader market tanked on fears of a global trade war.And there are other traditional retailers that are holding up well.Gap shares bucked the market's downward trend Friday, rising 5% after it posted solid results. The Gap's Old Navy brand is on fire. Its same-store sales were up 9% during the holiday quarter.Department store chain Dillard's topped forecasts earlier this week too, sending its shares up nearly 17% on the news.So it's not all doom and gloom for retail. The industry is in the midst of a shakeout that will lead to some casualties and some big winners. But the American consumer is still alive and well.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 3147

It was a tough few months for the Cincinnati Zoo's beloved behemoth: Henry the Hippo had lost his appetite, only to regain it and lose it again; fought off a serious infection; and his kidneys appeared to be shutting down.The 36-year-old hippo — father to Fiona, whose underweight birth made her famous on social media — died today.Veterinarians and care staff had been trying to bring him back to health, but he continued to slide in recent weeks."We're doing everything we can to keep him comfortable," the zoo said in a recent blog post.According to the zoo, the median life expectancy for a Nile hippo is 35. He came to Cincinnati from Dickerson Park Zoo in Springfield, Missouri.His declining condition came near the tail-end of a pretty joyous year for hippo staff: They nurtured Fiona into childhood after she born six weeks early and half a calf's normal birth weight. The entire hippo bloat -- Henry, Fiona and mother Bibi -- were all reunited just a few months ago. 1013

It was a historic moment in Olympic History: Gus Kenworthy shared a kiss with his boyfriend Matthew Wilkas live on NBC.Wow, what a moment! @guskenworthy shares a kiss with his boyfriend at #Olympics2018. This visibility matters. This moment of affection gives hope and inspiration to LGBTQ people everywhere. pic.twitter.com/FcDd8RcLdh— Athlete Ally (@AthleteAlly) February 18, 2018 390