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.
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.
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.
JobotNewInsurance 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.
JobotNewInsurance 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.
JobotNewInsurance Defense Attorney – Motor Vehicle / Auto Liability JobotInsurance Defense Attorney – Motor Vehicle / Auto LiabilityNew York, NYRemote$140,000–$180,000 / 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. The firm handles a broad range of motor vehicle litigation matters, including personal injury, property damage, wrongful death, commercial trucking, livery/black car, construction vehicle, and mass transit-related claims.
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. Implement 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.
TTECNewLicensed Property & Casualty Insurance Agent - Remote USA TTECLicensed Property & Casualty Insurance Agent - Remote USAJersey City, NJRemoteWebcam participation is expected during all instructor‑led TTEC and client‑required training, either throughout the session or at designated times, and is encouraged during coaching sessions to support meaningful connection and collaboration. Whether it’s getting answers for customers quickly, consulting on products with compassion or resolving their issues with a smile, you’ll be the difference between their customer experience being just average or an exceptional one.
New York Life - UniondaleNewInsurance 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.
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.
HealthMarketsInsurance Agent HealthMarketsInsurance AgentCLIFTON, NJHealthMarkets 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. HealthMarkets is a technology-enabled health insurance agency delivering high-touch, customized health and supplemental insurance solutions to individuals, families and small businesses.
Progressive Spine and Orthopaedics LLCNewInsurance Verification Representative Progressive Spine and Orthopaedics LLCInsurance Verification RepresentativeClifton, NJThis position requires strong attention to detail, excellent communication skills, and the ability to work closely with patients, insurance carriers, attorneys, adjusters, employers, surgical coordinators, and billing teams. The ideal candidate will have experience verifying commercial insurance benefits, out-of-network benefits, personal injury claim information, attorney representation, workers’ compensation claim status, and patient financial responsibility.
NYL - Nassau GONewInsurance Sales Representative NYL - Nassau GOInsurance Sales RepresentativeUniondale, NYMaintain a portfolio of existing customers and pursue insurance sales with new clients by using sales strategies that may include cold calling and networking. Implement 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.
ECLARONewInsurance Onsite Relationship Representative ECLAROInsurance Onsite Relationship RepresentativeNew York, NY$20.36–$20.36 / hourIn 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.
GEICONewPIP Examiner GEICOPIP ExaminerMassapequa, 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.
New York Life - Nassau County General OfficeNewFast Track Insurance Partner New York Life - Nassau County General OfficeFast Track Insurance PartnerUniondale, NYNew York Life Insurance Company is currently hiring managers for its Fast Track Partner Program, a training program in which participants start as financial professionals who gain first-hand experience in the field. Present potential solutions using a comprehensive array of our financial products and services, including life insurance, fixed and variable annuities, and mutual funds .
bdo consultingNewDirector, Forensics - Building Property Claims Recovery bdo consultingDirector, Forensics - Building Property Claims RecoveryNew York, NY$190,000–$269,000 / yearDocuments, reviews, and analyzes schedules, contracts, change orders, correspondence, daily reports, meeting minutes, monthly reports, and any additional documents related to the project/file . The annual allocation to the ESOP is fully funded by BDO through investments in company stock and grants employees the chance to grow their wealth over time as their shares vest and grow in value with the firm’s success, with no employee contributions.
USAANewProperty Adjuster Specialist - Field USAAProperty Adjuster Specialist - FieldNew York, NY$85,050–$130,410 / yearProactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability. 2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
Weichert, RealtorsReal Estate Agent Weichert, RealtorsReal Estate AgentWestfield, NJWe are in partnership with our real estate agents, co-branding them, and laser-focused on one common goal: provide the customer with the very best sales experience possible with the best agents in the industry using our advanced myWeichert leading-edge technology web platform, marketing expertise, extensive support, and our award-winning training. As we work hard to help agents either improve their current sales path or launch their real estate sales career professionally and successfully, we know the ideal candidate we’re looking for will meet the following requirements: High school diploma or GED.
New York Life Insurance CompanyNewDirector, Loan Management New York Life Insurance CompanyDirector, Loan ManagementNew York, NY$150,000–$165,000 / yearLead, mentor, and develop a team of analysts responsible for the review and execution of borrower requests, including lease approvals, reserve disbursements, ownership transfers, insurance claims, easement requests, guaranty releases, and collateral substitutions, while building technical expertise in underwriting, loan administration, and credit analysis and supporting professional development. This role requires deep expertise in commercial real estate credit, strong leadership in managing and developing asset management professionals, and a proven ability to design and execute process improvement initiatives that drive efficiency and accuracy across operations.
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 Claims Environmental Diedre Moire Corp.Insurance Claims EnvironmentalOld Bridge, NJ$110,000–$160,000 / yearFull timeCONSIDERED EXPERIENCE INCLUDES: Insurance Claims Specialist Adjuster Examiner Analyst Attorney Environmental Toxic Tort Asbestos Pollution Health Hazard #DiedreMoire #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting #InsuranceJobs. 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.Insurance Underwriter Diedre Moire Corp.Insurance UnderwriterNewark, NJ$100,000–$300,000 / 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.
Diedre Moire Corp.NewIns 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.
GEICO Local Office WestchesterNewBilingual Insurance Sales Agent GEICO Local Office WestchesterBilingual Insurance Sales AgentYonkers, NY$55,000–$75,000 / yearWelcome to GEICO Local Office Westchester, where were more than just an insurance agency were a dedicated team passionate about protecting our community here in Yonkers, New York. As our Bilingual Insurance Sales Agent, you'll be a vital link, bridging communication gaps and opening doors for individuals seeking reliable coverage.
Platinum Health Solutions LLCEntry level sales agent/ Health insurance Platinum Health Solutions LLCEntry level sales agent/ Health insuranceMelville, NYIn this role, you will engage with inbound and outbound leads, identify their level of interest, and qualify individuals who are genuinely seeking health insurance coverage. We are seeking a motivated and personable Sales Representative (Fronter) to serve as the first point of contact for prospective health insurance clients.
Dominick Abramo - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Dominick Abramo - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberBayonne, NJKeywords: 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!
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.
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.
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.
SFG - Peterson AgencyLife Insurance Sales Agent SFG - Peterson AgencyLife Insurance Sales AgentShort Hills, NJRemoteThe Peterson Agency with Symmetry Financial Group, an agency dedicated to the growth and success of our new agents, can help you build a business with the opportunity for true ownership, freedom lifestyle, and financial legacy in a recession-resistant industry. Ranked #9 on Forbes.com's"25 Companies Hiring The Most High-Paying Jobs In 2024,"and listed on INC's "Top 5000 Fastest Growing Companies"for six years in a row, Symmetry has a proven system is are hiring motivated individuals across the country!
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.
InsuraTecLife Insurance Agent InsuraTecLife Insurance AgentUnion, NJRemoteIf you’re passionate about helping families secure their future and want the flexibility of a remote career with uncapped earning potential, we’d love to hear from you. Receive ongoing training, coaching, and support designed to help you succeed — whether you’re experienced or brand new to the industry.
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.
Team Nexa Insurance SolutionsLife Insurance Sales Agent Team Nexa Insurance SolutionsLife Insurance Sales AgentEast Orange, NJFull Portfolio of Products – Sell Final Expense, Term Life, Whole Life, Universal Life (UL), Indexed Universal Life (IUL), Guaranteed Issue, Simplified Issue, Mortgage Protection, Accidental Death, Juvenile Policies, and more. Support for New Agents – Preferably, we’re seeking currently licensed agents, but if you’re not yet licensed, we have a proven program to guide you step-by-step to obtain your Life Insurance Producer License.
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.
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.
CHOICE FINANCIAL GROUP LLCLicensed Insurance Agent CHOICE FINANCIAL GROUP LLCLicensed Insurance AgentParamus, NJ$55,000–$55,000 / yearPosition Description:We seek a Licensed Insurance Agent in New Jersey with extensive knowledge of New Jersey insurance laws and regulations, and proven experience in both personal lines and commercial lines insurance. Choice Financial Group is an industry leader specializing in delivering strategic support for the profitable growth of property and casualty, life, health, and employee benefits insurance agencies.
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.
Marwan Jaser - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Marwan Jaser - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberMerrick, NYEnthusiastic 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. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification.
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.
The Delaney Agency llcInsurance Agent Role – Work From Home The Delaney Agency llcInsurance Agent Role – Work From HomeNewark, NJFull timeAt the Delaney Agency, we use data-driven systems and proven lead generation to connect our agents with families who are actively seeking help - allowing you to focus on service, not chasing prospects. This is a work-from-home opportunity for coachable, disciplined individuals who are comfortable with a 100% commission-based income and are motivated to help families who have already asked for assistance with life insurance-backed products.
First American Financial CorpSenior Claims Counsel - Title Insurance (remote) First American Financial CorpSenior Claims Counsel - Title Insurance (remote)New YorkRemote$126,100–$168,125 / yearAmong the responsibilities of Senior Claims Counsel are the following:• Investigate the facts and issues of the claim, determine whether coverage exists, evaluate loss under the title policy, assess defenses for the insured and/or the company, determine need to retain outside counsel, develop and carry out a plan to address the claim and manage the claim and/or litigation through to final resolution • Negotiate settlements and resolutions with claimant / opposing counsel / third parties• Appear as company representative in court proceedings, mediations, settlement conferences and trials• Manage claim budget, review and approve outside counsel invoices and other expenses and determine settlement and expense reserves• Direct outside counsel on litigation strategy through the course of claim administration and litigation• Identify and pursue sources for recoveryJob Qualifications• Must possess excellent written and verbal communication, negotiation and organizational skills• Law Degree required• Licensed and in good standing to practice law in any state of the United StatesAbility to develop, evaluate and implement resolution strategies to fully conclude a claim. The Senior Claims Counsel position with First American Title Insurance Company provides an excellent opportunity for counsel to engage in complex legal analysis, craft creative solutions to difficult problems, manage their own caseload, oversee outside litigation counsel, and engage in high-level problem solving, negotiation and legal analysis in a stimulating and collegial environment with an opportunity for long-term growth and advancement.
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.
Marcel Robin - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Marcel Robin - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberAstoria, NYAs a State Farm team member for Marcel Robin - State Farm Agent, you will build and develop customer relationships within the community to promote State Farm products including auto, home and life insurance. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
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.
The Jernigan AgencyWORK FROM HOME/HOME BASED INSURANCE AGENT The Jernigan AgencyWORK FROM HOME/HOME BASED INSURANCE AGENTNewark, NJWe are hiring coachable individuals comfortable with a 100% commission based income helping our clients who have asked for our help with life insurance backed products. We use data driven systems and cutting edge lead generation that gets you connected with interested clients quickly.
American Central Marketing GroupLicensed Health Insurance Sales Agent American Central Marketing GroupLicensed Health Insurance Sales AgentSecaucus, NJ$60,000–$85,000 / yearJoin Health Helpers, where we offer a guaranteed salary, a high-volume of quality inbound leads, and a supportive environment to help you thrive. Guaranteed base pay: $800/week ($41,600 annually).
AccessWaveInsurance Account Manager AccessWaveInsurance Account ManagerRed Bank, NJ$65,000–$85,000 / yearAccessWave is a dynamic community designed for private business owners, principals, and C-level executives seeking actionable insights from seasoned leaders who have faced similar challenges. Assist clients with the insurance application process by gathering required documentation, reviewing completed forms for accuracy, and submitting applications to carriers for approval.