WFR is fully functional during the COVID-19 crisis. Our very best to you, your families and your employees as we work through this extremely difficult period. We are heartened that most of our clients' financial product - institutional or retail - offer guarantees and floors. Protection is paramount, particularly during this tumultuous period. Below are several documents and web-links from WFR, legislators and select providers addressing COVID-19 impact and resources:

• WFR: Strength and Service Statement re COVID-19 - PDF

• WFR: Life & Disability Insurance Premium Options - PDF

• NYS DFS: COVID-19 Press Release RE Life Insurance - Web Page

• IRS Notice 2020-50: Guidance for Coronavirus-Related Plan Distributions under the CARES Act - PDF

• PFG Nonqualified Plans - COVID-19 Impact & Resources Statement - PDF

• PFG Nonqualified Plans: FAQ COVID-19 and 457(b) plans Link

• PFG Nonqualified Plans: FAQ COVID-19 and NQDC plans (governed by 409A) Link

• PFG Nonqualified Plans: Unforeseeable Emergency and IRC Sec 409A) Link

• PFG CARES Act of 2020: Business provisions Link

• PFG CARES Act of 2020: Individual provisions Link

• USA Today: Coronavirus How Stocks Moved in Previous Bear Markets - PDF

• FTP - Morningstar: Historical Bull & Bear Market Graph - PDF

• MarketWatch: How the Stock Market has Performed During Past Viral Outbreaks - PDF

• FTP - Bloomberg: Historical Epidemic Market Graph - PDF

• MassMutual COVID-19 Resource Page
• Penn Mutual COVID-19 Resource Page
• New York Life COVID-19 Resource Page
• Guardian Life COVID-19 Resource Page
• Pacific Life COVID-19 Resource Page
• Principal COVID-19 Resource Page
• Lincoln Financial COVID-19 Resource Page
• Protective Life - Great West COVID-19 Resource Page

• Vital Signs: Snapshot of select carrier financial condition and ratings - PDF

• WFR: 2020 Whole Life Carriers Dividend Histories- PDF

• Penn Mutual: The Power of Long-Term Holding Period - PDF