Many thanks to Denise Boroff of Necie Business Insurance and Solutions, for her generosity of time and information. Among the many business services that Denise provides, is AFLAC (a much-needed protection that everyone should have, BTW). I am not even Denise's client for that service (worked with the wonderful Stephen Strocker on that, may his memory be for a blessing), but she was kind enough to let me know about a COVID-19 payment deferral program that AFLAC is offering to its insureds, and to continue to answer my questions. Thanks again Denise!