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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

By comparison, 2019 was a record year for lottery organizations across the country, with billion dollar jackpots in games like Powerball and Mega Millions. In 2020, though, those big winnings took a dramatic turn."For us, we were hit pretty hard. We offer video lottery at bars and restaurants throughout the state and by far that’s our highest revenue product and literally overnight when bars and restaurants shut down, that revenue line went to zero," said Matt Shelby with Oregon Lottery. Shelby says they were shut down for more than a month. Oregon normally brings in million a week on video lottery games and it goes to some crucial state programs."Things like schools, parks, natural resources, watershed development, most recently veterans' services and then we also fund problem gambling and treatment across the state. When our revenue goes down, we feel it first because we operate like any other business, but those state programs that rely on our dollars will feel that crunch in the next budget cycle," said Shelby.In Vermont, government-mandated shut downs prompted lottery ticket sales to plummet by about 30 percent. All of that money goes to fund education. Gary Kessler, the Deputy Commissioner of Liquor and Lottery for the State of Vermont, says they're now encouraging people to buy lottery tickets in advance to help boost sales. Kessler said, "they could buy them out 20 draws in advance. So, they could be safe and stay in the game at the same time. That was really our message that we tried to get out to our players and players really did respond. We saw quite an increase in our subscription services, which is where you can buy for six months or for an entire year and know that those numbers are set."While most lottery departments have been established for decades, that's not the case in Mississippi. "We hadn't been up and running for a year. We’re still in the building process and we have layers to complete. When COVID-19 hit we had about half of a business continuity plan and it hadn’t been completed," said Mississippi Lottery President Tom Shaheen. While the Mississippi Lottery saw an initial drop in sales, in April things started to pick back up. Mississippi Lottery was still able to contribute more than million to projects in its first seven months of operation."It helps fund roads, bridges and education, which was set by the legislature in the Lottery Act and approved by the Governor," said Shaheen. And while lottery officials across the country understand the current economy may keep some from buying lottery tickets, they hope the programs the lotteries fund aren't impacted too severely. After all, the local businesses that sell lottery tickets benefit, as well. They receive a percentage of winnings and even a jackpot of their own if they sell a winning ticket.Oregon Lottery thinks lotteries will recover just fine. "I think long term we will, but like a lot of other things, I don't think we're ever going back to the way things were in January," said Shelby. 3036

Charles Lazarus, who founded Toys "R" Us 70 years ago, died Monday, a week after the company announced it will be forced to shut down its U.S. operations.Lazarus, 94, no longer had any ownership position in the chain. He started the company as a 25-year old in 1948, anticipating that the post-war baby boom would create demand for baby supplies and toys. He stayed on as CEO until 1994.The-CNN-Wire 407

Candlelight vigils are being planned for Monday across the state of Florida in memoriam of the 17 people killed in a mass shooting at Marjory Stoneman Douglas High School in Parkland, Florida.The Florida PTA is holding a statewide candlelight vigil on Monday, February 19 to remember and honor the victims of the tragic shooting.Related:The?latest on the Florida school shooting17 victims identified, see photos and read their stories here 452

CHEYENNE, Wyo. — Wyoming Gov. Mark Gordon says he has tested positive for the coronavirus, but has only minor symptoms.Gordon said Wednesday that he plans to continue working remotely.The Centers for Disease Control and Prevention recommends people who test positive for the virus isolate themselves for 10 days.Gordon said on Nov. 13 that Wyoming residents need to be more responsible about preventing the spread of the coronavirus. In his words, “We’ve relied on people to be responsible, and they’re being irresponsible,” Gordon joins nearly 26,700 Wyoming residents who have tested positive. 603