What risk & broader uncertainty factors material to the future of the insurance sector of your choice of life insurance are emerging from the COVID19 pandemic?

Consider the context of the COVID19 pandemic to-date (through November 2020) .

Q1.a. Locally (the U.S. market) and Q1.b. Globally (as pertaining to the international effects on the U.S. market).Q1.c. In your opinion, how are global factors likely to impact the U.S.-based insurers?