When you join our team, you’ll enjoy extra savings with a 20% discount on almost everything in store – even food! And a 30% discount on Indoor and Outdoor furniture. Additional benefits include a same day pay option (hourly associates only), discounts on Apple products, Verizon, AT&T services, and more! For More information about benefits, see https://www.biglots.com/corporate/careers/benefits.Performs general store operational duties including cashiering, customer service, truck unloading, stocking, merchandise recovery, and light cleaning or maintenance as assigned. Serves as Manager on Duty (MOD) only during gaps created by store leadership vacations and/or lunch periods. Associates in this position are not responsible for opening or closing the store. When serving as MOD, leads and provides direction to store associates performing cashiering, customer service, recovery, and furniture-related activities on the sales floor. Works collaboratively with store leadership to drive overall store performance.1. Greets and assists customers as needed in order to maintain the highest level of customer service.2. Maintains and operates point-of-sale systems efficiently and accurately.3. Drives customer loyalty program participation, including sign ups and rewards processing at check-out.4. Participates in the freight flow process including truck unloading, stocking, merchandise presentation and recovery.5. Participates in furniture department operations including carry-outs and display assembly as needed.6. Maintains appearance of the store’s interior and exterior to company standards including light maintenance duties and cleaning.7. Performs daily front-end maintenance including check stand cleanliness, replenishment of merchandise and supplies and floor safety.8. Performs other tasks as assigned by Store Leadership, such as cart retrieval, shrink control and safety-related tasks.9. Serves in the Manager on Duty role as needed. When serving in this role, provides leadership and direction to floor associates and ensures that store, merchandising, and customer service standards are continuously met, including merchandise presentation, signage, recovery, and cleanliness. Drives the customer experience and ensures resolution of customer issues.Qualification1. Must be at least 18 years of age.2. Prior retail leadership experience preferred.3. Demonstrated decision-making, problem resolution, and interpersonal skills required.4. Ability to lift, carry, push, and pull a minimum of 50 pounds required. Ability to unload freight, to move product on and off store shelves, to walk, stand, bend, stoop, or kneel for long periods of time, and to move freely throughout store on a continual basis required.5. Ability to work a flexible work schedule including nights, weekends and holidays required.6. Basic English literacy, math, and PC skills required.We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws.The actual hourly rate will equal or exceed the required minimum wage applicable to the job location.

Customer Service Representative – Buffalo, NYAsk your recruiter for details about salary! When you grow, GEICO grows. And if you’re the kind of person who likes to solve problems and help others when they need it, you could be a perfect fit to grow your career with GEICO. We’re looking for Customer Service Professionals for our Getzville, NY office. This role is for people who want to provide our policyholders the excellent customer service they want and need. You’ll be the first contact for our customers: answering billing questions, making policy changes, and providing recommendations. Join our team to deliver personalized service that demonstrates the value of being insured by GEICO. If you want a career with plenty of growth opportunities, let’s talk.Many associates see a base salary increase of 10% within their first year as a Customer Service Representative. Top associates can see increases up to 15%!Qualifications & Skills:Experience providing outstanding customer service by showcasing expertise, fostering trust and growing customer satisfactionAn effective communicator who understands the importance of listening and being empatheticAbility to work and grow in a fast-paced, high-volume call center environmentWillingness to learn new skills and ability to adjust to changes quicklyOpen to feedback to support your performance and developmentSolid computer and multi-tasking skillsMinimum of high school diploma or equivalentAnnual Salary$18.86 - $28.78The above annual salary range is a general guideline. Multiple factors are taken into consideration to arrive at the final hourly rate/ annual salary to be offered to the selected candidate. 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.At this time, GEICO will not sponsor a new applicant for employment authorization for this position.Benefits:As an Associate, you’ll enjoy our Total Rewards Program* to help secure your financial future and preserve your health and well-being, including:Premier Medical, Dental and Vision Insurance with no waiting period**Paid Vacation, Sick and Parental Leave401(k) PlanTuition ReimbursementPaid Training and Licensures*Benefits may be different by location. Benefit eligibility requirements vary and may include length of service.**Coverage begins on the date of hire. Must enroll in New Hire Benefits within 30 days of the date of hire for coverage to take effect.The equal employment opportunity policy of the GEICO Companies provides for a fair and equal employment opportunity for all associates and job applicants regardless of race, color, religious creed, national origin, ancestry, age, gender, pregnancy, sexual orientation, gender identity, marital status, familial status, disability or genetic information, in compliance with applicable federal, state and local law. GEICO hires and promotes individuals solely on the basis of their qualifications for the job to be filled.GEICO reasonably accommodates qualified individuals with disabilities to enable them to receive equal employment opportunity and/or perform the essential functions of the job, unless the accommodation would impose an undue hardship to the Company. This applies to all applicants and associates. GEICO also provides a work environment in which each associate is able to be productive and work to the best of their ability. We do not condone or tolerate an atmosphere of intimidation or harassment. We expect and require the cooperation of all associates in maintaining an atmosphere free from discrimination and harassment with mutual respect by and for all associates and applicants.

Starting Hourly Rate / Salario por Hora Inicial: $16.75 USD per hourWe work together to provide the guest a fresh, full, and food safe shopping experience all day, every day. ALL ABOUT FOOD & BEVERAGE The Food & Beverage team enables a consistent experience for our guests by ensuring product is fresh, in stock, available and accurately priced and signed on the sales floor. They are experts of operations, process and efficiency. This team leads food and food services including replenishment, inventory accuracy, food safety, presentation, pricing and promotional signing processes for all Food and Beverage areas of the store.At Target, we believe in our team members having meaningful experiences that help them build and develop skills for a career. The role of a Starbucks Barista can provide you with the:Knowledge of guest service fundamentals and experience building a guest first culture in StarbucksAbility to provide a consistent Starbucks experience for guests by curating handcrafted Starbucks’ productsExperience with food quality and freshness managementKnowledge of state and federal food safety and OSHA guidelinesAs a Starbucks Barista, no two days are ever the same, but a typical day will most likely include the following responsibilities:Deliver an exceptional guest experience, connecting with guests to deliver quality handcrafted beverages and food during all hours of operations, prioritizing the guest’s needs over taskUphold and maintain the execution of the Food and Beverage Standards, all Starbucks’ brand standards and food safety standardsExecute food and beverage processes, including food deliveries, replenishment, pulls, stocking, zoning, instocks routines, data accuracy, culling, rotation, cleaning, defect, signing and backstockMaintain an on-going awareness of all promotional activities within StarbucksFollow all Target and Starbucks routines to deliver a consistent Starbucks experience for guests while driving efficiency and maintaining food safetySupport the Starbucks Drive Up process to ensure digital guest orders are fulfilled accurately and on timeMaintain an inviting dining area for guests all day, every dayEngage with guests to meet and exceed their expectations based on Starbucks standardsProduce items to specifications on production cards and follow specific department routinesMonitor and record temperature-sensitive food items as outlined in best practicesComplete and record all cleaning tasks in the Starbucks space as outlined in best practicesFollow proper packaging and labeling guidelines for food productsFollow all food safety requirements as outlined through best practiceLocate and identify damaged, recalled or expired items and process according to best practiceEnsure accurate in-stocks by placing store-initiated orders according to best practicesFollow proper perishable inventory procedures to ensure an accurate recording of inventoryExecute sampling best practicesCreate a welcoming experience by authentically greeting all guestsObserve to quickly understand whether a guest needs assistance or wants to interact. Follow body language and verbal clues to tailor your approachEngage with guests in a genuine way, which includes asking questions to better understand their specific needsBe knowledgeable about the tools, products, and services available in the total store, and specific to your area, to solve issues for the guest and improve their experienceThank the guest in a genuine way and let them know we’re happy they chose to shop at TargetComplete all required Starbucks trainings related to quality control.Demonstrate a culture of ethical conduct, safety and complianceWork in a safe manner at all times to benefit yourself and others; identify and correct hazards; comply with all safety policies and best practicesSupport guest services such as back-up cashier, order pick up (OPU) and Drive-up (DU) and maintain a compliance culture while executing those duties, such as compliance with federal, state, and local adult beverage lawsAll other duties based on business needsWHAT WE ARE LOOKING FORWe might be a great match if:Working in a fun and energetic environment makes you excited…. We work efficiently and as a team to deliver for our guestsProviding service to our guests that makes them say I LOVE TARGET! excites you…. That’s why we love working at TargetStocking, Setting and Selling Target products sounds like your thing… That’s the core of what we doYou aren’t looking for Monday thru Friday job where you are at a computer all day… We are busy all day (especially on the weekends), making it easy for the guest to feel welcomed, inspired and rewardedThe good news is that we have some amazing training that will help teach you everything you need to know to be a Starbucks Barista. But, there are a few skills you should have from the get-go:Previous Starbucks/food service experience preferred, but not requiredWelcoming and helpful attitude toward guests and other team membersAbility to communicate on multiple frequency devices and operate handheld scanners, and other technology equipment as directed.Work both independently and with a teamResolve guest questions quickly on the spotAttention to detail and follow a multi-step processesCapability to remain focused and composed in a fast-paced environment and accomplish multiple tasks within established timeframesWe are an awesome place to work and care about our teams, so we want to make sure we are clear on a few more basics that we expect: Accurately handle cash register operations as neededClimb up and down laddersScan, handle and move merchandise efficiently and safely, including frequently lifting or moving merchandise up to 44 poundsFlexible work schedule (e.g., nights, weekends and holidays) reliable and prompt attendance necessaryAbility to work in an environment that could range from 34°F to -10°F as neededAbility to work in spaces where common allergens may be handled or present Capable of working in and exposure to varying temperatures, humidity, and other elements while performing certain job duties including but not limited to Drive-Up, carryout, etc.Ability to remain mobile for the duration of a scheduled shift (shift length may vary).Find competitive benefits from financial and education to well-being and beyond at .Americans with Disabilities Act (ADA)Target will provide reasonable accommodations with the application process upon your request as required to comply with applicable laws. If you have a disability and require assistance in this application process, please visit your nearest Target store or reach out to Guest Services at 1-800-440-0680 for additional information.Applications for this role are accepted on an ongoing basis and there is no application deadline. Las solicitudes para este puesto se aceptan de forma continua y no hay fecha límite de solicitud.

About the RoleIn this role, you will deliver excellent customer service and consistent execution of store operations. You will efficiently process freight, replenishment, and omni channel operations.What You’ll DoReceive and process product, including unloading truck shipments and execute stockroom operations and omni channel fulfillment Replenish the sales floor as necessary based on sell through and seasonal changesEngage customers by greeting them and offering assistance with products and servicesExecute all product protection standardsParticipate in the training process for new hires on Kohl’s brand standards, product knowledge, inventory procedures, productivity standards, tools and resources and as directed by store leadershipAll associate roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, anticipating customer needs and satisfactorily resolving issuesSupporting point of sale and customer service departments to deliver speed of service transactions while creating a compelling customer experienceMeeting or exceeding individual goals (e.g., productivity, credit, loyalty)Accomplishing multiple tasks within established timeframesFollowing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customers Receiving, understanding and proactively responding to direction from supervisors/managers and other company personnelOther responsibilities as assignedWhat Skills You HaveRequiredExcellent customer service skills and ability to multi-task with strong attention to detailVerbal/written communication and interpersonal skillsNo retail experience requiredMust be 16 years of age or olderFlexible availability, including days, nights, weekends, and holidaysPreferredClient facing retail or service industry experiencePay Range: $15.00 - $21.65Kohl’s offers a variety of benefits to associates depending on full-time/part-time status and work hours, including: WORK LIFE BALANCE (PTO, Vacation Buy Program, Parental Leave), HEALTH & WELLNESS (Medical, Dental, Vision and other short and long term disability programs, Emergency health and wellness programs such as Accident Protection Plans, Critical Illness Plans and more), SAVINGS & RETIREMENT BENEFITS (401k, Flexible Spending Accounts and associate discount programs with Kohl’s partners), INSURANCE PROGRAMS (Life Insurance for you, your family or your pet, as well as other protection programs), and LIFE EVENTS (Legal and adoption assistance benefits).

Customer Service Representative – Buffalo, NYAsk your recruiter for details about salary! When you grow, GEICO grows. And if you’re the kind of person who likes to solve problems and help others when they need it, you could be a perfect fit to grow your career with GEICO. We’re looking for Customer Service Professionals for our Getzville, NY office. This role is for people who want to provide our policyholders the excellent customer service they want and need. You’ll be the first contact for our customers: answering billing questions, making policy changes, and providing recommendations. Join our team to deliver personalized service that demonstrates the value of being insured by GEICO. If you want a career with plenty of growth opportunities, let’s talk.Many associates see a base salary increase of 10% within their first year as a Customer Service Representative. Top associates can see increases up to 15%!Qualifications & Skills:Experience providing outstanding customer service by showcasing expertise, fostering trust and growing customer satisfactionAn effective communicator who understands the importance of listening and being empatheticAbility to work and grow in a fast-paced, high-volume call center environmentWillingness to learn new skills and ability to adjust to changes quicklyOpen to feedback to support your performance and developmentSolid computer and multi-tasking skillsMinimum of high school diploma or equivalentAnnual Salary$18.86 - $28.78The above annual salary range is a general guideline. Multiple factors are taken into consideration to arrive at the final hourly rate/ annual salary to be offered to the selected candidate. 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.At this time, GEICO will not sponsor a new applicant for employment authorization for this position.Benefits:As an Associate, you’ll enjoy our Total Rewards Program* to help secure your financial future and preserve your health and well-being, including:Premier Medical, Dental and Vision Insurance with no waiting period**Paid Vacation, Sick and Parental Leave401(k) PlanTuition ReimbursementPaid Training and Licensures*Benefits may be different by location. Benefit eligibility requirements vary and may include length of service.**Coverage begins on the date of hire. Must enroll in New Hire Benefits within 30 days of the date of hire for coverage to take effect.The equal employment opportunity policy of the GEICO Companies provides for a fair and equal employment opportunity for all associates and job applicants regardless of race, color, religious creed, national origin, ancestry, age, gender, pregnancy, sexual orientation, gender identity, marital status, familial status, disability or genetic information, in compliance with applicable federal, state and local law. GEICO hires and promotes individuals solely on the basis of their qualifications for the job to be filled.GEICO reasonably accommodates qualified individuals with disabilities to enable them to receive equal employment opportunity and/or perform the essential functions of the job, unless the accommodation would impose an undue hardship to the Company. This applies to all applicants and associates. GEICO also provides a work environment in which each associate is able to be productive and work to the best of their ability. We do not condone or tolerate an atmosphere of intimidation or harassment. We expect and require the cooperation of all associates in maintaining an atmosphere free from discrimination and harassment with mutual respect by and for all associates and applicants.

About the RoleIn this role, you will deliver excellent customer service and consistent execution of store operations. You will efficiently process freight, replenishment, and omni channel operations.What You’ll DoReceive and process product, including unloading truck shipments and execute stockroom operations and omni channel fulfillment Replenish the sales floor as necessary based on sell through and seasonal changesEngage customers by greeting them and offering assistance with products and servicesExecute all product protection standardsParticipate in the training process for new hires on Kohl’s brand standards, product knowledge, inventory procedures, productivity standards, tools and resources and as directed by store leadershipAll associate roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, anticipating customer needs and satisfactorily resolving issuesSupporting point of sale and customer service departments to deliver speed of service transactions while creating a compelling customer experienceMeeting or exceeding individual goals (e.g., productivity, credit, loyalty)Accomplishing multiple tasks within established timeframesFollowing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customers Receiving, understanding and proactively responding to direction from supervisors/managers and other company personnelOther responsibilities as assignedWhat Skills You HaveRequiredExcellent customer service skills and ability to multi-task with strong attention to detailVerbal/written communication and interpersonal skillsNo retail experience requiredMust be 16 years of age or olderFlexible availability, including days, nights, weekends, and holidaysPreferredClient facing retail or service industry experiencePay Range: $15.00 - $21.65Kohl’s offers a variety of benefits to associates depending on full-time/part-time status and work hours, including: WORK LIFE BALANCE (PTO, Vacation Buy Program, Parental Leave), HEALTH & WELLNESS (Medical, Dental, Vision and other short and long term disability programs, Emergency health and wellness programs such as Accident Protection Plans, Critical Illness Plans and more), SAVINGS & RETIREMENT BENEFITS (401k, Flexible Spending Accounts and associate discount programs with Kohl’s partners), INSURANCE PROGRAMS (Life Insurance for you, your family or your pet, as well as other protection programs), and LIFE EVENTS (Legal and adoption assistance benefits).

Required Early Morning AvailabilityAbout the RoleAs Store Support Lead you will efficiently and effectively support the store leadership team and associates in the administrative and operational functions of the store. You will use technology to support store functions and ensure day to day communication to support excellent customer service and operational efficiency.What You’ll DoSupport and effectively resolve store associate and administrative needs through timely execution of store payroll, scheduling, cash office, and supply orders in partnership with the store leadership teamEffectively plan, communicate and share information with team members using company tools and technology, while following company guidance for daily, weekly and monthly routinesRefresh and maintain associate common areas and office areas to support a safe and engaging work environmentAssist store executive team by facilitating orientation when directed and onboarding new associates accurately, adhering to all compliance guidelines and Kohl’s best practicesAssist in monitoring shortage impacting best practices by completing the Spotlight Audit and sharing the results with store leadersMonitor and follow up on store execution of training, surveys and audits, ensuring directed timelines are metMaintain in-store technology devices including, but not limited to, handheld scanners and two-way radiosCommunicate and guide store technology issues through resolution All Lead roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, including customer service philosophies, anticipating customer needs and satisfactorily resolving issuesLeading by example by personally meeting or exceeding individual goals (e.g., productivity, credit, loyalty)Delivering strong operational standards, shortage mitigation, and merchandising presentation to include accurate pricing and proper signingAccomplishing multiple tasks within established timeframesTraining, monitoring and reinforcing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customers Other responsibilities as assignedWhat Skills You HaveRequiredMust be 18 years of age or olderLimited travel to support new store openingsStrong verbal/written communication and interpersonal skillsFlexible availability, including days, nights, weekends, and holidaysPreferredExperience decision-making and problem-solving in a fast paced environmentRetail or service industry experiencePay Range: $16.65 - $26.15Kohl’s offers a variety of benefits to associates depending on full-time/part-time status and work hours, including: WORK LIFE BALANCE (PTO, Vacation Buy Program, Parental Leave), HEALTH & WELLNESS (Medical, Dental, Vision and other short and long term disability programs, Emergency health and wellness programs such as Accident Protection Plans, Critical Illness Plans and more), SAVINGS & RETIREMENT BENEFITS (401k, Flexible Spending Accounts and associate discount programs with Kohl’s partners), INSURANCE PROGRAMS (Life Insurance for you, your family or your pet, as well as other protection programs), and LIFE EVENTS (Legal and adoption assistance benefits).

Early Morning RequiredAbout the RoleAs Visual Merchandising Lead you will support, guide and execute visual merchandising and operational processes effectively and efficiently. You will drive sales by creating moments through visual storytelling and merchandising execution that support an enhanced customer experience. What You’ll DoSupport store leadership in visual and merchandising planning and executionImplement all aspects of visual presentation consistently according to corporate standards and resourcesUpdate merchandise sets based on product availability and sell through to maintain inspiring presentationsElevate visual and merchandise presentations in all areas of the storeMaintain proper care of all visual components in a neat, clean and organized work and storage areaOversee installation, timing, removal or disposal of visual and merchandising initiatives and capital projects in partnership with store leadershipConduct regular store walks with store leadership focusing on merchandise and visual prioritiesPartner with the District Visual Lead to provide feedback and understand company strategiesFollow product protection guidelines to minimize shortageAssist with onboarding and training new associatesAcknowledge and assist customers in all areas of the store delivering a friendly and easy experience All Lead roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, including customer service philosophies, anticipating customer needs and satisfactorily resolving issuesLeading by example by personally meeting or exceeding individual goals (e.g., productivity, credit, loyalty)Delivering strong operational standards, shortage mitigation, and merchandising presentation to include accurate pricing and proper signingAccomplishing multiple tasks within established timeframesTraining, monitoring and reinforcing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customers Other responsibilities as assignedWhat Skills You HaveRequiredMust be at least 18 years of age or olderLimited travel to support new store openingsStrong verbal/written communication and interpersonal skillsFlexible availability, including days, nights, weekends, and holidaysPreferredRetail or service industry experiencePay Range: $16.65 - $26.15Kohl’s offers a variety of benefits to associates depending on full-time/part-time status and work hours, including: WORK LIFE BALANCE (PTO, Vacation Buy Program, Parental Leave), HEALTH & WELLNESS (Medical, Dental, Vision and other short and long term disability programs, Emergency health and wellness programs such as Accident Protection Plans, Critical Illness Plans and more), SAVINGS & RETIREMENT BENEFITS (401k, Flexible Spending Accounts and associate discount programs with Kohl’s partners), INSURANCE PROGRAMS (Life Insurance for you, your family or your pet, as well as other protection programs), and LIFE EVENTS (Legal and adoption assistance benefits).

About the RoleIn this role, you will ensure a safe and clean environment in all areas of the store. You will perform daily store cleaning tasks effectively and efficiently and complete operational processes as needed to provide an excellent customer experience.What You’ll DoClean all areas of the store (e.g., floors, windows, restrooms, trash receptacles) following Kohl's best practices and standards procedures, guidelines, and methodsUtilize only approved chemicals, supplies, and equipment to ensure a safe and clean environmentMaintain levels of company-approved chemicals and supplies by placing orders to replenish when supplies are low, ensuring supplies are rotated and stored in proper containers in preparation for their useComplete and maintain required training for chemical, equipment, and maintenanceRoutinely complete basic equipment maintenance following company guidelines Effectively use Kohl's tools and technology to plan, communicate and share information with the store teamSupport the operations team to receive and process product, execute stockroom operations and omni channel fulfillment when neededEngage customers by greeting them and offering assistance with products and servicesAll associate roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, anticipating customer needs and satisfactorily resolving issuesMeeting or exceeding individual goals (e.g., productivity, credit, loyalty)Accomplishing multiple tasks within established timeframesFollowing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customers Receiving, understanding and proactively responding to direction from supervisors/managers and other company personnelOther responsibilities as assignedWhat Skills You HaveRequiredExcellent customer service skills and ability to multi-task with strong attention to detailVerbal/written communication and interpersonal skillsNo retail experience requiredMust be 18 years of age or olderFlexible availability, including days, nights, weekends, and holidaysPreferredClient facing retail or service industry experiencePay Range: $16.45 - $21.40Kohl’s offers a variety of benefits to associates depending on full-time/part-time status and work hours, including: WORK LIFE BALANCE (PTO, Vacation Buy Program, Parental Leave), HEALTH & WELLNESS (Medical, Dental, Vision and other short and long term disability programs, Emergency health and wellness programs such as Accident Protection Plans, Critical Illness Plans and more), SAVINGS & RETIREMENT BENEFITS (401k, Flexible Spending Accounts and associate discount programs with Kohl’s partners), INSURANCE PROGRAMS (Life Insurance for you, your family or your pet, as well as other protection programs), and LIFE EVENTS (Legal and adoption assistance benefits).