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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

INDIANAPOLIS -- Vice President Mike Pence took to social media to celebrate the NFL's new policy that requires players to stand during the national anthem during games. The new policy, announced Wednesday, comes after months of controversy that started with silent protests by then-San-Francisco 49ers quarterback Colin Kaepernick, who said he was kneeling during the anthem to draw attention to injustice.After Kaepernick's protest, NFL players across the nation began to follow suit which later drew the ire of President Donald Trump, who in 2017 said players' kneeling showed "total disrespect for our great country."Pence expressed his feelings about the decision on Twitter with the hashtag #Winning along with a CNN story calling the new policy a "Victory for President Trump". 826

In the race towards a COVID-19 vaccine, there have been a lot of hurdles. In the spring months, it was learning about a novel virus: how it spreads and affects the body. Then, it was developing a vaccine that was not only effective but safe.Now that Pfizer and Moderna have both announced vaccines with nearly 95-percent efficacy, the challenge is not developing one, but rather getting people to actually get the vaccines.“Maybe 10-15 percent of people are just never going to go get a vaccine because they feel strongly against it,” said Katy Milkman, a professor at the Wharton School of Business at the University of Pennsylvania.Earlier in the summer, 72 percent of Americans said they would take a COVID-19 vaccine, according to a study by the Pew Research Center. But in the months that have followed, that number has steadily declined. Now, according to a recent Gallup poll conducted in early November, 42 percent of Americans said they would not get an FDA-approved COVID-19 vaccine. 1001

It's a day Vasti Morris has been anticipating for over two decades.“This is the citizenship packet from immigration, so I became a citizen today,” she exclaims.Morris has been working towards getting her citizenship since she came to America 21 years ago as a refugee from West Africa. “Liberia, we had civil war for a very, very long time, and just somewhere where you didn't have to worry about if there's going to be a war or am I going to eat today,” she says. “So, it was a dream and that dream came true.”But going from refugee to student to U.S. citizen was a difficult journey.Immigration attorney Chirag Patel of Baltimore says the requirements for immigrants are changing almost daily, making the process longer and harder.“There are a lot of restrictions coming into play this fiscal year,” says Patel.After completing the N-400, the application for naturalization, and submitting it to the United States Citizenship and Immigration Services, the government then takes a deep dive into your history through a long list of questions. Those questions include topics like criminal history, polygamy and deportation.“They really do scrutinize everything,” Patel says.After finally finishing the 20-page application, the screening process begins, and so does the waiting game. This application eventually ends up at a field office, where the applicant waits for an interview and a test.“It could take about a year before you get an interview,” Patel explains.In fact, a year is best case scenario, Patel says. And if you make a mistake on your application, you may have to start over.“We have to make sure we know everything to be able to get through this process properly,” he says.As for that test, Patel says, “You have to study for the civics exam and make sure you know all of the U.S. history and the political questions.”Even if an applicant makes it to the test portion, they could continue to wait up to four months to be approved.“A lot of people don't understand how difficult it is,” Morris says.Morris, who is a nurse studying for her PhD, can now add “American citizen" to her resume, which means she can vote.“I’m so excited,” she says gleefully. “November 6, I'm going to vote.”It’s a day Morris says she’ll never forget, as she reflects on the struggles it took to finally get her citizenship.“I didn't know I was going to be emotional,” she says. “It’s just knowing that this moment is finally here.”It was a drudging path to a dream--one she says was worth every second. 2518

Investigators for special counsel Robert Mueller have recently been asking witnesses about Donald Trump's business activities in Russia prior to the 2016 presidential campaign as he considered a run for president, according to three people familiar with the matter.Questions to some witnesses during wide-ranging interviews included the timing of Trump's decision to seek the presidency, potentially compromising information the Russians may have had about him, and why efforts to brand a Trump Tower in Moscow fell through, two sources said.The lines of inquiry indicate Mueller's team is reaching beyond the campaign to explore how the Russians might have sought to influence Trump at a time when he was discussing deals in Moscow and contemplating a presidential run.Mueller was appointed to investigate Russian meddling in the 2016 campaign. The President claims that any investigation of his family's finances would be a breach of the special counsel's mandate.Two of the sources said they do not know from the questions asked whether Mueller has concrete evidence to indicate wrongdoing."You ask everything even if you don't think it's credible," one of the sources said, adding, "the allegations are out there, and it was checking the box."The special counsel's office, an attorney for the President and the Trump Organization all declined to comment for this story.Questions about Trump's entry into the campaign 1428

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