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 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.
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.
HealthMarketsInsurance 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. HealthMarkets is a technology-enabled health insurance agency delivering high-touch, customized health and supplemental insurance solutions to individuals, families and small businesses.
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.
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.
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.
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.
Rutgers The State University of New JerseyRutgers Business School - Nwk and NB - Adjuncts (Part-Time) - Winter Session 2027 Rutgers The State University of New JerseyRutgers Business School - Nwk and NB - Adjuncts (Part-Time) - Winter Session 2027Newark, NJImmunization Requirements Under Policy 100.3.1 Immunization Policy for Covered Individuals, if employment will commence during Flu Season, Rutgers University may require certain prospective employees to provide proof that they are vaccinated against Seasonal Influenza for the current Flu Season unless the University has granted the individual a medical or religious exemption. It is recognized as the #1 public business school in the New York Tri-State area by U.S. News & World Report, #1 for MBA employment in the Northeast by Bloomberg Businessweek, known as the #3 business school for Vets by Military Times, and is part of the campus that has been ranked #1 in diversity nationwide by U.S. News & World Report since 1997.
Wayne Township Public SchoolsAnticipated Coaches - All Wayne Valley Winter Sports 2026/2027 Wayne Township Public SchoolsAnticipated Coaches - All Wayne Valley Winter Sports 2026/2027Wayne, NJShall recommend short term student athlete suspensions directly to the Head Coach/Director of Athletics and shall recommend long term suspensions or dismissals to the Head Coach/Director of Athletics and the Building Principal. Shall recommend short term student athlete suspensions directly to the Director of Athletics and shall recommend long term suspensions or dismissals to the Director of Athletics and the Building Principal.
Jodi Schoenlank - State FarmLicensed Insurance Sales Agent/ Aspirant Program Jodi Schoenlank - State FarmLicensed Insurance Sales Agent/ Aspirant ProgramEdison, NJBy accepting employment with a State Farm agent and/or successfully completing any licensing or training programs required by a State Farm agent, you are not guaranteed, promised or given any form of selection preference, should you choose to leave the agent’s employment and pursue the opportunity of becoming an independent contractor agent for State Farm Insurance Companies. As part of my successful team, I will assist in developing your business leadership skills, industry and State Farm business acumen, as well as sales and marketing experience.
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.
AAA-Mid-Atlantic, Inc.Insurance Sales Agent AAA-Mid-Atlantic, Inc.Insurance Sales AgentEdison, NJ$45,000–$52,000 / yearAt ACA, we are committed to cultivating a welcoming and inclusive workplace of team members with diverse backgrounds and experiences to enable us to meet our goals and support our values while serving our Members and customers. Hiring decisions are based upon ACA's operating needs, and applicant qualifications including, but not limited to, experience, skills, ability, availability, cooperation, and job performance.
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!
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.
GEICO Local OfficeInsurance Sales Agent GEICO Local OfficeInsurance Sales AgentEdison, NJ$45,000–$120,000 / yearImagine being the friendly voice that guides someone through choosing the right coverage, offering clarity and confidence during important decisions. Engage with potential customers to understand their insurance needs and recommend suitable coverage options.
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.
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.
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.
The Delaney Agency llcLife Insurance Sales Agent - Work From Home The Delaney Agency llcLife Insurance Sales Agent - Work From HomeStamford, CTFull 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.
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.
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.
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.
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.
InsuraTecLife Insurance Agent InsuraTecLife Insurance AgentJersey City, 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.
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!
Daniel Barros - State Farm AgentInsurance Account Position - State Farm Agent Team Member Daniel Barros - State Farm AgentInsurance Account Position - State Farm Agent Team MemberS Plainfield, NJAs a State Farm team member for Daniel Barros - State Farm Agent, 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.
Wesley Finance GroupLife Insurance Sales Agent Wesley Finance GroupLife Insurance Sales AgentNorwalk, CTResponsibilities: Engage closely with mentors and team members to connect with prospects across the nation, guiding them through insurance options via phone and virtual meetings. Join our team as a Sales Agent and enjoy the autonomy, robust support, and substantial earning potential that comes with it.
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.
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.
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.
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.
Pedriena Wheeler - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Pedriena Wheeler - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberSpring Valley, NYService can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification. Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred.
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.
Pedriena Wheeler - State Farm AgentLife/Health Insurance Position - State Farm Agent Team Member Pedriena Wheeler - State Farm AgentLife/Health Insurance Position - State Farm Agent Team MemberSpring Valley, NYPedriena Wheeler - State Farm Agent is seeking a qualified and empathetic professional for the role of Life/Health 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.
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.
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.
Daniel Barros - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Daniel Barros - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberS Plainfield, NJBy accepting employment with a State Farm agent and/or successfully completing any licensing or training programs required by a State Farm agent, you are not guaranteed, promised or given any form of selection preference, should you choose to leave the agent’s employment and pursue the opportunity of becoming an independent contractor agent for State Farm Insurance Companies. As part of my successful team, I will assist in developing your business leadership skills, industry and State Farm business acumen, as well as sales and marketing experience.
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.
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).
Marc Tedaldi - State Farm AgentInsurance Account Representative - State Farm Agent Team Member Marc Tedaldi - State Farm AgentInsurance Account Representative - State Farm Agent Team MemberValhalla, NYAs an account representative with Marc Tedaldi - State Farm Agent, you will generate the kind of exceptional client experiences that reinforce the growth of a successful insurance agency. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions and billing clarification.
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.
Hugo Gonzalez - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team Member Hugo Gonzalez - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberHoboken, NJAs a State Farm team member for Hugo Gonzalez, 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 products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams.
Allstate Insurance-Tom Birks AgencyLicensed Insurance Representative Allstate Insurance-Tom Birks AgencyLicensed Insurance RepresentativeBloomfield, NJ$40,000–$50,000 / yearProduct Knowledge: Stay informed about Allstate's insurance products and services to effectively address client inquiries and recommend appropriate solutions. If you are passionate about making a difference in people's lives and eager to grow in a stable and fulfilling career, the Allstate Insurance-Tom Birks Agency is the place for you.
Jodi Schoenlank - State FarmLicensed Insurance Sales Representative Jodi Schoenlank - State FarmLicensed Insurance Sales RepresentativeEDISON, NJSuccessful State Farm Agent is seeking a qualified professional to join their winning team for the role of Insurance Sales Representative - State Farm Agent Team Member. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification.