JobotNewInsurance Defense Attorney — General Liability — $165k to $200k Base + Bonus — NYC / Hybrid Remote — Established National Firm JobotInsurance Defense Attorney — General Liability — $165k to $200k Base + Bonus — NYC / Hybrid Remote — Established National FirmNew York, NYRemote$150,000–$200,000 / yearFounded over 30 years ago and built on an entrepreneurial spirit most firms talk about but rarely practice, we have grown to 100+ attorneys across ten offices from coast to coast — including our New York office in the heart of the Financial District, steps from the waterfront and one of the most active insurance defense markets in the country. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
JobotInsurance Coverage Attorney JobotInsurance Coverage AttorneyUniondale, NY$150,000–$190,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. By applying for this job, you agree to receive calls, AI-generated calls, text messages, or emails from Jobot, and/or its agents and contracted partners.
JobotInsurance Defense Attorney – Motor Vehicle / Auto Liability JobotInsurance Defense Attorney – Motor Vehicle / Auto LiabilityNew York, NYRemote$140,000–$180,000 / year
JobotInsurance Defense Attorney - Auto/Fleet Trucking Liability JobotInsurance Defense Attorney - Auto/Fleet Trucking LiabilityNew York, NY$125,000–$200,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. You will be entrusted with handling matters soup-to-nuts in New York state courts—investigating claims, managing discovery, taking and defending depositions, preparing motions, negotiating settlements, and trying.
New York LifeLife Insurance Agent (Sales) **Licensing and Training Provided** New York LifeLife Insurance Agent (Sales) **Licensing and Training Provided**Melville, NY$80,000–$130,000 / yearFull timeBecoming a New York Life agent is an ideal opportunity for individuals who want to build a financial services business with significant income potential, help others achieve financial security, and maintain flexible schedule. We offer tremendous guidance, encouragement, and training for those who want to take this path.
HealthMarketsNewInsurance Agent HealthMarketsInsurance AgentNorwalk, CTHealthMarkets independent licensed insurance agents shall for all purposes be deemed to be independent contractors and shall have no authority to act or represent themselves as an employee or partner of HealthMarkets Insurance Agency. See HealthMarkets Privacy Policy at https://www.healthmarkets.com/privacy-policy and SonicJobs Privacy Policy at https://www.sonicjobs.com/us/privacy-policy and Terms of Use at https://www.sonicjobs.com/us/terms-conditions.
SimpleCITICommercial Insurance Broker SimpleCITICommercial Insurance BrokerGarden City South, NYFull timeWe currently focus on core commercial placements including general liability, workers’ comp, commercial auto, BOPs, umbrella, professional liability, cyber, and specialty risks, with plans to continue expanding carrier and product access. This is an opportunity to help build a brokerage platform early, with flexibility to grow your own book across any commercial vertical while leveraging internal deal flow, shared resources, and long-term expansion plans.
NYL - MelvilleNewInsurance Sales Agent NYL - MelvilleInsurance Sales AgentBabylon, NY$70,000–$100,000 / yearResponsibilities:Implement marketing strategies including, but not limited, to cold calling and networking to connect with potential clients while simultaneously maintaining a portfolio of current clients. Serve as an attentive listener when communicating with new and potential clients in order to accurately identify their unique needs prior to pursuing specific insurance sales.
GEICONewPIP Examiner GEICOPIP ExaminerKings Park, NY$29–$45.28We are looking for Personal Injury Protection (PIP) Claims Examiners in our Melville, NY office to deliver our promise to be there and assist our customers throughout the often-complicated medical aspects of auto insurance claims. Factors include, but are not limited to, the scope and responsibilities of the role, the selected candidate’s work experience, education and training, the work location as well as market and business considerations.
NYL - Nassau GOInsurance Sales Agent NYL - Nassau GOInsurance Sales AgentUniondale, NYImplement social media and other marketing tools to identify, seek, and generate prospects with whom you can foster strong, long-term relationships as a reliable financial service professional. Maintain a portfolio of existing customers and pursue insurance sales with new clients by using sales strategies that may include cold calling and networking.
New York Life - UniondaleInsurance Sales Agent New York Life - UniondaleInsurance Sales AgentUniondale, NYImplement marketing strategies including, but not limited, to cold calling and networking to connect with potential clients while simultaneously maintaining a portfolio of current clients. Serve as an attentive listener when communicating with new and potential clients in order to accurately identify their unique needs prior to pursuing specific insurance sales.
New York Life - Nassau County General OfficeNewEntry-Level Insurance Sales Agent New York Life - Nassau County General OfficeEntry-Level Insurance Sales AgentUniondale, NYIdentify, seek out, and generate prospects continuously using social media or other marketing tools and create strong relationships with new clients as their trusted advisor . New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by each of the four major rating companies: A.M.
NYL Nassau-Suffolk RegionEntry-Level Life Insurance Sales Agent NYL Nassau-Suffolk RegionEntry-Level Life Insurance Sales AgentMelville, NY$75,000–$100,000 / yearOur financial professionals help clients develop a long-term financial strategy to achieve their financial goals using an array of financial products and services, including life insurance, investments, annuities, and mutual funds. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by each of the four major rating companies: A.M.
The Rizzuto Law FirmNewClaims Attorney The Rizzuto Law FirmClaims AttorneyUniondale, NY$100,000–$150,000 / yearYou should have excellent credentials, a minimum of 3 years of successful personal injury litigation along with trial case experience, and an authentic passion for helping people. A minimum of 3 years of personal injury litigation or trial experience in medical malpractice, wrongful death, personal injury, or civil litigation practice areas is necessary.
Diedre Moire Corp.Insurance Underwriter Diedre Moire Corp.Insurance UnderwriterWhite Plains, NY$100,000–$140,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs #UnderwriterJobs. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers.
EclaroInsurance Onsite Relationship Representative EclaroInsurance Onsite Relationship RepresentativeNew York, NYFull timeIn addition, the role provides dedicated administrative and operational support to the local Managing Partner and management team, ensuring smooth office operations and streamlined processes for agency stakeholders. Success in this role requires strong relationship-building skills, organizational effectiveness, clear communication, discretion, and a proactive approach to problem-solving.
Beta Search IncReporting Data Analyst – Property & Casualty insurance industry – data lineage, transformations, and business rules Beta Search IncReporting Data Analyst – Property & Casualty insurance industry – data lineage, transformations, and business rulesNew York City, NY$75–$77 / hourTemporaryContractorFull timeActs as a Subject Matter Expert (SME) on enterprise data warehouse (EDW) content and insurance source systems, ensuring accurate data interpretation, strong data lineage, and reliable, business-aligned reporting outputs. The Senior Reporting Data Analyst brings 13+ years of experience in enterprise data warehousing and reporting, with deep expertise in the Property & Casualty (P&C) insurance domain, especially Workers’ Compensation.
Diedre Moire Corp.Ins Claims Examiner Medical Malpractice - Union City, NJ Diedre Moire Corp.Ins Claims Examiner Medical Malpractice - Union City, NJUnion City, NJ$100,000–$140,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Insurance Claims Examiner Adjuster Specialist Professional Liability Medical Malpractice MedMal Allied Healthcare #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs #UnderwriterJobs. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers.
Diedre Moire Corp.NewAttorney Diedre Moire Corp.AttorneyStamford, CT$200,000–$300,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Attorney Lawyer Insurance Company Litigation Policy Development Transaction #DiedreMoire #InsuranceJobs #AttorneyJobs #LitigationJobs #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers.
CNA Financial CorpComplex Claims Consultant - Life Insurance Agent / Broker Dealer CNA Financial CorpComplex Claims Consultant - Life Insurance Agent / Broker DealerNew York, NY$72,000–$141,000 / yearResolves claims by collaborating with internal and external business partners to develop, own and execute a claim resolution strategy, that includes management of timely and adequate reserves, collaborating with coverage experts, negotiating complex settlements, partnering with counsel to manage complex litigation and authorizing payments within scope of authority. Performs a combination of duties in accordance with departmental guidelines: Manages an inventory of high complexity and exposure Financial Lines claims by following company protocols to verify policy coverage, conduct investigations, develop and employ resolution strategies, and authorize disbursements within authority limits.
Deloitte Touche Tohmatsu LtdInsurance Claims Business Analyst Deloitte Touche Tohmatsu LtdInsurance Claims Business AnalystNew York, NY$128,000–$252,500 / yearOur purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities. The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs.
PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, Sr. Associate PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, Sr. AssociateNew York, NY$77,000–$202,000 / yearPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members.
PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, Manager PricewaterhouseCoopers LLPProperty & Casualty Insurance Claims Operations Consultant, ManagerMelville, NY$99,000–$232,000 / yearPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy. You will analyze client needs, implement solutions, and provide training and support to validate seamless integration and utilization of business applications, enabling clients to achieve their strategic objectives.
AllSearch Professional StaffingThird Party Liability Claims Examiner - Insurance Carrier - Base Salary to 100k/year - Great Neck, NY AllSearch Professional StaffingThird Party Liability Claims Examiner - Insurance Carrier - Base Salary to 100k/year - Great Neck, NYGreat Neck, NY$60,000–$100,000 / yearOur client, a large and growing insurance carrier, is seeking a Third Party Liability Claims Examiner to manage complex bodily injury, property damage, and litigated liability claims related to commercial trucking and business insurance policies. This role is responsible for investigating, evaluating, negotiating, and resolving third-party liability claims while coordinating with attorneys, TPAs, claimants, and internal teams.
Jackie Zupo - State Farm AgentLife Insurance Position - State Farm Agent Team Member Jackie Zupo - State Farm AgentLife Insurance Position - State Farm Agent Team MemberFloral Park, NYJackie Zupo - State Farm Agent is seeking a qualified and empathetic professional for the role of Life Insurance Position - State Farm Agent Team Member. As a customer-oriented expert, you will market Life/Health insurance services and products to benefit customers and their families.
Katherine Maliarakis Allstate AgencyInsurance Agent in a Car Dealership Katherine Maliarakis Allstate AgencyInsurance Agent in a Car DealershipValley Stream, New YorkDemonstrate strong knowledge of insurance products and usages, rating procedures, underwriting procedures, coverages, and industry operations to effectively secure new business and maintain existing client base. Possess outstanding organizational skills with an ability to complete difficult assignments without supervision, sound business judgment, strong decision-making and superior written and verbal communication skills.
Tommy Woods - State Farm AgentLife Insurance Position - State Farm Agent Team Member Tommy Woods - State Farm AgentLife Insurance Position - State Farm Agent Team MemberMontclair, NJAs a customer-oriented expert, you will market Life insurance services and products to benefit customers and their families. As a strategic and emotionally intelligent resource to the community, we are excited to expand our successful agency with your skillset.
Kyle Rourke - State Farm AgentLife Insurance Position - State Farm Agent Team Member Kyle Rourke - State Farm AgentLife Insurance Position - State Farm Agent Team MemberHackensack, NJKyle Rourke - State Farm Agent is seeking a qualified and empathetic professional for the role of Life Insurance Position - State Farm Agent Team Member. Your sales experience equips you to continually grow your income as you provide the needed security for times of distress and vulnerability.
Tawanda Jackson - State Farm AgentInsurance Account Position - State Farm Agent Team Member Tawanda Jackson - State Farm AgentInsurance Account Position - State Farm Agent Team MemberJersey City, NJAs our Insurance Account Position - State Farm Agent Team Member, your knowledge of insurance products and industry trends equips you to communicate directly with customers, identify their needs, and market products or services that maximize value. If you are energetic, goal-oriented, and sales-minded, we are excited to harness your talents in this rewarding opportunity to build your career.
Marcel Robin - State Farm AgentLife Insurance Position - State Farm Agent Team Member Marcel Robin - State Farm AgentLife Insurance Position - State Farm Agent Team MemberAstoria, NYAs a customer-oriented expert, you will market Life insurance services and products to benefit customers and their families. As a strategic and emotionally intelligent resource to the community, we are excited to expand our successful agency with your skillset.
Kestra Medical Technologies IncAccounts Receivable Manager - Insurance Collections Kestra Medical Technologies IncAccounts Receivable Manager - Insurance CollectionsNY$110,000–$130,000 / yearThis role ensures the timely and accurate collection of third-party receivables by managing staff productivity, monitoring payer performance, and driving continuous improvement in AR workflows. The Accounts Receivable (AR) Manager - Insurance Collections is responsible for the operational leadership, performance management, and strategic oversight of Insurance Collections team members within the Kestra's Revenue Cycle Team.
Maria Alawi - State Farm AgentInsurance Account Position - State Farm Agent Team Member Maria Alawi - State Farm AgentInsurance Account Position - State Farm Agent Team MemberPassaic, NJAs our Insurance Account Position - State Farm Agent Team Member, your knowledge of insurance products and industry trends equips you to communicate directly with clients, identify their needs, and market products or services that maximize value. ROLE DESCRIPTION: Maria Alawi - State Farm Agent is searching for a competitive Producer who can recognize opportunities and strategically turn leads into long-lasting customer relationships.
Maria Alawi - State Farm AgentLife Insurance Position - State Farm Agent Team Member Maria Alawi - State Farm AgentLife Insurance Position - State Farm Agent Team MemberPaterson, NJMaria Alawi - State Farm Agent is seeking a qualified and empathetic professional for the role of Life Insurance Position - State Farm Agent Team Member. As a customer-oriented expert, you will market Life/Health insurance services and products to benefit customers and their families.
Alysa DiMarco - State Farm AgentInsurance Account Position - State Farm Agent Team Member Alysa DiMarco - State Farm AgentInsurance Account Position - State Farm Agent Team MemberBedford Hills, NYAs our Insurance Account Position - State Farm Agent Team Member, your knowledge of insurance products and industry trends equips you to communicate directly with clients, identify their needs, and market products or services that maximize value. ROLE DESCRIPTION: Alysa DiMarco - State Farm Agent is searching for a competitive Producer who can recognize opportunities and strategically turn leads into long-lasting customer relationships.
Anthony Petrozzella - State Farm AgentInsurance Account Position - State Farm Agent Team Member Anthony Petrozzella - State Farm AgentInsurance Account Position - State Farm Agent Team MemberRosedale, NYRemoteAs our Insurance Account Position - State Farm Agent Team Member, your knowledge of insurance products and industry trends equips you to communicate directly with clients, identify their needs, and market products or services that maximize value. Outside the office, I’m grateful for my wonderful family — my wife Rosa, to whom I’ve been married for 26 years, our son Thomas who proudly serves as a U.S. Marine, and our daughter Delia, currently in her third year at LIU.
Kathy Miraval - State Farm AgentInsurance Account Position - State Farm Agent Team Member Kathy Miraval - State Farm AgentInsurance Account Position - State Farm Agent Team MemberBethpage, NYAs for our insurance account position, your knowledge of insurance products and industry trends equips you to communicate directly with customers, identify their needs, and market products or services that maximize value. ROLE DESCRIPTION: Our agency is searching for a competitive Producer who can recognize opportunities and strategically turn leads into long-lasting customer relationships.
Specialty1 PartnersNewInsurance Coordinator Specialty1 PartnersInsurance CoordinatorWhite Plains, New YorkE-Verify is used to confirm the employment authorization of all newly hired employees through an electronic database maintained by the Social Security Administration and Department of Homeland Security. Dental Assistants, Sterilization Technicians, Specialists, Office Managers, Patient Care Coordinators and many more all work together to improve the patient care experience and great clinical results.
InsuraTecNewLife Insurance Agent - Remote InsuraTecLife Insurance Agent - RemoteDanbury, CTRemoteIf you’re passionate about helping families secure their financial future and want the flexibility of a remote career with uncapped earning potential, we’d love to hear from you. InsuraTec Services Group is seeking motivated individuals to join our growing team as Life Insurance Agents.
NFP CorpOCIP / Insurance Program Administrator (Remote/ EST) NFP CorpOCIP / Insurance Program Administrator (Remote/ EST)New York, NYRemote$47,000–$86,000 / yearThis role ensures all contractors and subcontractors are properly enrolled or excluded, compliant with program requirements, and that accurate records are maintained within the database systems for reporting and auditing. The base salary offered will be determined by factors including, but not limited to, experience, credentials, education, certifications, skill level required for the position, the scope of the position, and geographic location.
Dominick Abramo - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Dominick Abramo - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberBayonne, NJRemoteKeywords: insurance sales, State Farm, property and casualty insurance, life insurance, auto insurance, insurance agent, insurance license, customer service, commission sales, entry-level sales, insurance broker, financial products, sales presentation. Join our State Farm Insurance office in Bayonne, NJ & Staten Island, NY and build your future with a Fortune 50 leader!
David Roy - State Farm AgentLife Insurance Position - State Farm Agent Team Member David Roy - State Farm AgentLife Insurance Position - State Farm Agent Team MemberUnion, NJDavid Roy - State Farm Agent is seeking a qualified and empathetic professional for the role of Life Insurance Position - State Farm Agent Team Member. Your sales experience equips you to continually grow your income as you provide the needed security for times of distress and vulnerability.
Deloitte Touche Tohmatsu LtdSenior Consultant, Health Insurance - Risk Regulatory & Compliance Deloitte Touche Tohmatsu LtdSenior Consultant, Health Insurance - Risk Regulatory & ComplianceNew York, NY$118,700–$218,600 / yearThe wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. Experience applying International Classification of Diseases, Tenth Revision (ICD-10), Current Procedural Terminology (CPT), and Healthcare Common Procedure Coding System (HCPCS) in claims, medical record, or appeals reviews.
TruStage Financial Group IncLitigation Insurance Adjuster (Remote) TruStage Financial Group IncLitigation Insurance Adjuster (Remote)NYRemote$93,100–$139,700 / yearClaim Litigation Consultant II will provide credit unions with superior claims service, building and solidifying a strong partnership through proactive professional consultation and delivering optimal solutions to meet their needs on third-party litigated claims. Collaborate with other claims and product experts to ensure the consistent handling of commercial insurance claims and will be accountable for decision-making regarding the appropriate use of investigators, experts and outside legal counsel.
Moran AgenciesBilingual Insurance Agent – $500 Sign-On Bonus + Base & Commission Moran AgenciesBilingual Insurance Agent – $500 Sign-On Bonus + Base & CommissionBridgeport, CT$55,000–$85,000 / yearIdentifying and qualifying sales leads generated from a variety of sources, including networking, referrals, marketing, cold-calling, and lead databases. This is a fantastic opportunity to be part of a thriving organization that values teamwork, career development, and fun while offering unlimited earning potential and a supportive work environment.
Atlas Air, Inc.Sr Risk & Insurance Analyst Atlas Air, Inc.Sr Risk & Insurance AnalystWhite Plains, NY$91,000–$123,000 / yearLiaise with insurance brokers for obtaining evidence of insurance by way of Certificates of Insurance and Broker Letters of Undertaking in compliance with aircraft lease and finance agreements, civil aviation authorities and airports, service providers and vendors. This position is responsible for assisting in administering the company's various insurance coverages; reviewing vendor contract wording related to indemnification, and for accounting/analyzing the associated insurance premiums and expenses.
IVX HealthInsurance Follow-Up Specialist IVX HealthInsurance Follow-Up SpecialistNYRemote$22–$25 / hourOur Insurance Follow Up Specialists are a vital part of the patient care journey, ensuring that every claim is handled with precision, empathy, and a clear understanding of how billing impacts both access to care and peace of mind. IVX Health is a national provider of infusion and injection therapy for individuals managing complex chronic conditions like rheumatoid arthritis, Crohn's disease, and multiple sclerosis.
Aon PlcProgram Professional, Insurance, Construction & Infrastructure, Project Solutions Aon PlcProgram Professional, Insurance, Construction & Infrastructure, Project SolutionsNew York, NY$75,000–$90,000 / yearTrain Contractors on the AonWrap system and/or AonWrap reports Attend Preconstruction conference calls/meetings (project kick-off meetings) to understand various aspects of individual projects (e.g., excluded parties, activities) and to explain the CIP requirements and coverages. Review Notice of Awards, Enrollment Forms, Insurance Cost Worksheets and Certificates for compliance with the CIP Work with estimators on Project financial performance (bid credit tracking) Work with project teams to assist with obtaining monthly project updates.
Danoff Dental & Associates, LLPDental Front Desk & Insurance Coordinator (Experience Required) Danoff Dental & Associates, LLPDental Front Desk & Insurance Coordinator (Experience Required)Little Neck, NYYou will play a key role in creating a seamless and positive patient experience through efficient scheduling, accurate insurance verification, and proactive claims management. We are seeking a highly organized and personable Dental Front Desk & Insurance Coordinator to join our team.
Therapymatch, Inc.Engineering Manager Insurance Therapymatch, Inc.Engineering Manager InsuranceNew York, NY$190,000–$237,500 / yearDepending on background and interest, this role may lead the team responsible for any of: how we communicate with payers, how we determine and represent a patient''s benefits, how we correct issues when something downstream goes wrong, or the internal tooling that lets operations teams work the long tail at scale. Cross-functional partnership - working with leaders across the insurance group (benefits, eligibility, claims, corrections) and adjacent groups (patient billing, payer partnerships, data platform) to keep the whole system coherent.
Ana Perez-Vukovic - State Farm AgentInsurance Staff Position - State Farm Agent Team Member Ana Perez-Vukovic - State Farm AgentInsurance Staff Position - State Farm Agent Team Memberhempstead, NYAs a State Farm team member, you will build and develop customer relationships within the community to promote State Farm products including auto, home and life insurance. Enthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams.