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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 wake of Omarosa Manigault Newman's departure from the West Wing in December and recent tell-all book rollout replete with accusations of racism, a senior White House official was asked simply: Who is the most senior black aide on President Donald Trump's staff?After an awkward delay, the answer from Kellyanne Conway, counselor to the President, was "Ja'Ron."It would fall to recently departed White House aide Marc Short later in the Sunday morning broadcast to provide the full name for the staffer she was referencing: Ja'Ron Smith, special assistant to the President for Domestic Policy.The episode thrust Smith into the spotlight as the White House faced questions about its interest and commitment to diversity. None of the 48 assistants and deputy assistants to the President are black.Hired in 2017 to serve as an adviser to Trump on Urban Affairs and Revitalization, Smith was tasked with pursuing Trump's agenda on a slate of issues important to the black community, including prison reform and historically black colleges and universities."There were a lot of people who were upset that he joined the administration because they felt he had turned his back on the community that he said he wanted to help," said one Republican close to the White House.It is a challenging assignment: Trump entered the White House having only won 8% of the black vote. The President has also antagonized black Americans by claiming that there were good people on "both" sides of a deadly rally in Charlottesville held by White supremacists and Nazis and his prolonged criticism over protests of racial injustice by NFL players.Most recently, Manigualt Newman's book about her time working for Trump, she has resurrected rumors of an alleged tape of Trump saying the "N-word" during a taping of NBC's "The Apprentice," the reality television show that made both of them household names.The White House did not make Smith available for comment. 1967

In the early morning hours of November 8, 2000, the state of Florida, which had been previously called for Al Gore earlier in the evening, was called for George W. Bush.Within minutes, Gore called Bush to offer a concession, as customary, and wished him well as president-elect. As Gore prepared to take the stage to address disappointed, a stunning development occurred.Gore unexpectedly only trailed by several hundred votes. Gore called Bush to retract his concession, which media reports at the time suggest stunned Bush’s campaign.Over the course of a month, legal battles ensued as the pivotal state in that year’s election was very close. More than a month later, after Gore lost a Supreme Court battle, he again called Bush to offer his concession. This time, Gore addressed the nation.“Now the political struggle is over and we turn again to the unending struggle for the common good of all Americans and for those multitudes around the world who look to us for leadership in the cause of freedom,” Gore said. “In the words of our great hymn, "America, America": "Let us crown thy good with brotherhood, from sea to shining sea. And now, my friends, in a phrase I once addressed to others: it's time for me to go.”For years, Election Nights took a familiar order: The networks project a winner, the losing candidate calls the winner, that candidate speaks, and then the winning candidate addresses the country.In 2016, the usual order was slightly broken. While Donald Trump had been declared the winner by the Associated Press, and Clinton called Trump to offer a concession, it was Trump who decided to speak to supporters. Clinton opted to address supporters the next morning."I congratulated Trump and offered to do anything I could to make sure the transition was smooth," Clinton wrote in her 2017 book “What Happened.” "It was all perfectly nice and weirdly ordinary, like calling a neighbor to say you can't make it to his barbecue. It was mercifully brief.”Like previous concession speeches, Clinton’s concession speech offered gratitude for supporters, and an offer to unite behind the newly-elected president.“Donald Trump is going to be our president,” Clinton said. “We owe him an open mind and the chance to lead. Our constitutional democracy enshrines the peaceful transfer of power.“We don't just respect that. We cherish it. It also enshrines the rule of law; the principle we are all equal in rights and dignity; freedom of worship and expression. We respect and cherish these values, too, and we must defend them.”While elections of 2000 and 2016 were between two non-incumbent candidates, concessions can become more tricky when the sitting president loses to a challenger, like in 1980 or 1992. The last two times the incumbent president lost were not close elections.“I called Governor Reagan in California, and I told him that I congratulated him for a fine victory,” President Jimmy Carter said in 1980. “I look forward to working closely with him during the next few weeks. We'll have a very fine transition period. I told him I wanted the best one in history.”“I just called Governor Clinton over in Little Rock and offered my congratulations. He did run a strong campaign,” George W. Bush said in 1992. “I wish him well in the White House. And I want the country to know that our entire administration will work closely with his team to ensure the smooth transition of power. There is important work to be done, and America must always come first. So we will get behind this new President and wish him well.”Years later, Bush joined with Clinton to become a philanthropic duo. The two united to raise funds for disaster relief following the Indian Ocean earthquake of 2004, Hurricane Katrina of 2005 and the Haitian earthquake of 2010.Whether the customary order of events happen in 2020 remains in question as Trump has vowed to fight if the election is called in Joe Biden's favor. Currently, Joe Biden holds an advantage in enough states to become elected. 4004

INDIANAPOLIS -- An Indianapolis family is pleading for help to find the man they say broke into their home and ended up in bed with two little girls. Veronica Mildenberg says her 6-year-old and 10-year-old daughters were sleeping in the top bunk of her bed when the stranger climbed up with them.The 10-year-old woke up and screamed. “He must have climbed up the stairwell and got in bed with her. That’s when she hollered for her grandma,” Mildenberg said. “He woke her up because he touched her leg.”The surveillance video below shows the suspect peeking into the windows of the home on New York Street around 1:45 a.m. Minutes later, family members say he went to the back of the home and climbed through a kitchen window with a broken lock.   779

It seems like it'd be pretty easy to call 911 in an emergency. But what if you can't actually talk to the dispatcher because it could tip off where you're hiding or that you're in danger? Smartphone technology is giving you a way to do that without saying a word.Maybe you're in the back of a taxi or a ride share and you want to need to get help or at least let somebody know where you are. Or maybe you're walking by yourself and something or someone around you is making you feel a little uncomfortable. A few taps on your phone and help can be on the way.We know our cell phones can make calls. But if you need help, they can also be your voice if you can't speak.It's called Emergency SOS and it comes installed on Apple iPhones. If you have a newer model you hold the side button and one of the volume buttons. If you have an older model, you press the side button five times in a row. Either way the emergency sos slider pops up. You slide it, and a call goes straight to your local emergency dispatch.Agent Dutch Smith with the Lakewood Police Department says this type of technology can be very helpful. When the service is used, the person does not have to say a word, and it shows the dispatcher the number and most importantly, the location."We can do triangulation to try and find out where you live," Smith said. "So basically what you're doing is you're pinging off the cell towers to find out exactly where the call came from."From there, your information is automatically sent to law enforcement on the ground closest to you, so they can head out to help."It may be a life or death situation involving where you need police response," Agent Smith said. "Location is paramount for us to be able to get there in a timely fashion to be able to deal with whatever has been called in."When the call ends, it even sends a text to your emergency contacts. But dispatchers ask that you only use this tool when you really need help, not to test it out.Taking the phone beyond a tool that helps you in every facet of life, to one that could help law enforcement potentially save it."I think it's two fold," Agent Smith said. "It really can help us all out."Samsung's Galaxy Android phone has a similar emergency mode, but you need to set it up by going into settings section, and "privacy and security." When activated, it'll also take a picture of where you are send it to your emergency contacts and record for five seconds.In addition to what comes with your smart phone you can also find emergency apps that you can download as well. 2577