So I know I have a contract that charges me back any advance for policies that do not make it one year, but due to the coronavirus people have cancelled their policies in staggering amounts. It has essentially wiped out about half of my profits for the year and I am deep in the hole with my company. It will possibly take me 3 to 4 months to dig myself out all the while having bills and operating expenses of my own. Do I have any recourse during this time? Also I primarily went to public offices and due to the shutdown I am essentially not working. My products are difficult to sell over the phone. Please help.