Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

Sarah loves Instagram, but does that mean it’s a viable marketing tool for insurance agents? Listen as she evaluates the ‘gram for agent use and learn how you can do the same. Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2016 vs. 2026: The Insurance Edition Field Notes on Digital Marketing Resources Optimize Your Online Presence ft. Aaron Kassover Sarah’s Instagram Profile Social Media Marketing for Insurance Agents References: “About Professional Accounts on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/138925576505882/. Accessed 4 Feb. 2025 Gottfried, Jeffrey, and Eugenie Park. “Americans’ Social Media Use 2025.” Pewresearch.Org, Pew Research Center, 20 Nov. 2025, www.pewresearch.org/internet/2025/11/20/americans-social-media-use-2025/. “Convert an Instagram Personal Profile to a Business Profile .” Help.Hootsuite.Com, Hootsuite, 21 Oct. 2025, help.hootsuite.com/hc/en-us/articles/1260804251950-Convert-an-Instagram-Personal-profile-to-a-Business-profile. “How to Set up a Business Account on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/502981923235522/. Accessed 4 Feb. 2025. “How to Set up a Creator Account on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/2358103564437429/. Accessed 4 Feb. 2025. Follow Us on Social! Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, Threads, and Bluesky Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 27, 2026: [01:02] ☕Starbucks Spring 2026 Menu [02:45] 🧋Dunkin’ Spring 2026 Menu [05:25] 📺 Instagram for TV [08:22] ⚠️ NIPR Phishing Alert [10:59] 📊 2026 MA Enrollment Stats Register for Craig Ritter’s State of the Senior Market Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Starbucks Spring 2026 Menu: “Starbucks previews 2026 spring menu with new chai, ube and Energy Refreshers drinks.” About.starbucks.com, Starbucks, 26 Jan. 2026, https://about.starbucks.com/stories/2026/starbucks-previews-2026-spring-menu-with-new-chai-coconut-and-lavender-drinks/. Morea, Steven. “Starbucks’ Spring 2026 Menu Is Here & Fans Have Thoughts.” Delish.com, Delish, 29 Jan. 2026, https://www.delish.com/food-news/a70176840/starbucks-spring-2026-menu/. Dunkin’ Spring 2026 Menu: Tenreyo, Tatiana. “Dunkin’s Rumored 18-Item Spring Menu Could Kick Off a Full Banana Boom.” Sporked.com, Sporked, 4 Feb. 2026, https://sporked.com/article/dunkin-spring-2026-menu/. Baker, Nicolette. “Dunkin’s Spring Menu Is Going Bananas.” Foodandwine.com, Food & Wine, 10 Feb. 2026, https://www.foodandwine.com/dunkin-spring-menu-leak-2026-11902405. Umholtz, Katelyn. “Yes, it’s true: Dunkin’ is selling iced coffee in 48-ounce buckets.” Boston.com, Boston.com, 24, Feb. 2026, https://www.boston.com/food/food-news/2026/02/24/dunkin-iced-coffee-buckets/. Instagram for TV: “Introducing Instagram for TV.” About.instagram.com, Instagram, 16 Dec. 2025, https://about.instagram.com/blog/announcements/instagram-tv-app. Malik, Aisha. “Instagram’s TV app is launching on Google TV devices.” Techcrunch.com, TechCrunch, 24 Feb. 2026, https://techcrunch.com/2026/02/24/instagrams-tv-app-is-launching-on-google-tv-devices/. NIPR Phishing Alert: Content Library: Identifying Scams and How to Protect Yourself* How to Keep Clients Safe From Insurance Fraud "National Insurance Professional Registry." Nipr.com, NIPR, https://nipr.com/help, Accessed 25 Feb. 2026. Unsure about a NIPR email? Verify first by emailing: [email protected] 2026 MA Enrollment Stats: Fuglesten Biniek, Jeannie et. al. "Medicare Advantage Enrollment Grew by About 1 Million People, Mainly Due to Special Needs Plans." KFF.org, KFF, 23 Feb. 2026, https://www.kff.org/medicare/medicare-advantage-enrollment-grew-by-about-1-million-people-mainly-due-to-special-needs-plans/. “Monthly Contract and Enrollment Summary Report.” CMS.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data/monthly-contract-and-enrollment-summary-report. Accessed 25 Feb. 2026. More Episodes You’ll Love: CMS 2027 MA & Part D Advance Notice State of the Senior Market 2026 The Insurance Agent’s Quick Guide to Med Supp Birthday Rule States Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency. *Requires RitterIM.com login. Not registered? No problem! Registering is FREE and takes less than a minute.

After the grind of Annual Enrollment, the reality of lock-in can be a little defeating, even for the most seasoned agents. If you’ve been feeling that way, listen to learn more about Special Needs Plans and their place in your post-AEP strategy. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2026 D-SNP Market Snapshot 4 Myths About Dual Eligible Special Needs Plan (D-SNP) Sales Carriers Partnered with Ritter 5 Ways to Generate Medicare Leads Diversify Your Insurance Portfolio & Reap Real Rewards Do's and Don'ts of Medicare Compliance Stay Busy Outside of AEP With Special Enrollment Periods The Beginner's Guide to D-SNPs The Complete Guide on How to Sell D-SNPs The Guide to Prospecting and Selling C-SNPS Things to Think About Post-AEP References: “U.S. Enrollment and Spending for Dual-Eligible Individuals.” KFF.org, KFF, https://www.kff.org/interactive/state-profiles-for-dual-eligible-individuals/united-states/enrollment-and-spending-for-dual-eligible-individuals/, Accessed 26 Jan. 2026. “Your 101 Guide to Dual Eligibility in 2025.” Spark Advisors, Spark Advisors, 28 May 2025, www.sparkadvisors.com/resource/your-101-guide-to-dual-eligibility-in-2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 20, 2026: TikTok USDS Update Apple Announces Video Podcasts Tide Launches Evo Detergent The Burden of Prior Authorization State of the Senior Market 2026 Register to Attend Craig Ritter’s 2026 State of the Senior Market! Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. TikTok Making Its Way Back to the Top? “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall. Accessed 18, Feb. 2026. “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/google-play/united-states/top-apps. Accessed 18, Feb. 2026. "Top Photo & Video Apps." Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/photo-and-video. Accessed 18, Feb. 2026. "Top Social Apps." Appfigures.com, Appfigures, https://appfigures.com/top-apps/google-play/united-states/social. Accessed 18, Feb. 2026. Apple Announces Video Capabilities for Podcasts App: “Apple introduces a new video podcast experience on Apple Podcast.” Apple.com, Apple, 16 Feb. 2026, https://www.apple.com/newsroom/2026/02/apple-introduces-a-new-video-podcast-experience-on-apple-podcasts/. Peters, Jay. “Apple’s Podcasts app will let you ‘seamlessly’ switch between audio and video shows.” Theverge.com, The Verge, 16 Feb. 2026, https://www.theverge.com/tech/879749/apple-podcasts-video-swap-hls-live-streaming. Vallese, Zach. “Apple takes on YouTube and Spotify with new video podcasting push.” Cnbc.com, CNBC, 16 Feb. 2026, https://www.cnbc.com/2026/02/16/apple-takes-on-youtube-and-spotify-with-new-video-podcasting-push.html. The Burden of Prior Authorization: Cottrill, Alex, et al. “Examining the Potential Impact of Medicare’s New WISeR Model.” KFF.Org, KFF, 10 Feb. 2026, www.kff.org/medicare/examining-the-potential-impact-of-medicares-new-wiser-model/. Kirzinger, Ashley, et al. “KFF Health Tracking Poll: Prior Authorizations Rank as Public’s Biggest Burden When Getting Health Care.” KFF.Org, KFF, 2 Feb. 2026, https://www.kff.org/public-opinion/kff-health-tracking-poll-prior-authorizations-rank-as-publics-biggest-burden-when-getting-health-care/. Tide Launches Evo Detergent Tiles: Clancy, Heather. “P&G goes wide with a waterless, plastic-free Tide.” Trellis.net, Trellis, 17 Feb. 2026, https://trellis.net/article/pg-water-plastic-out-of-tide-detergent/. Tyko, Kelly. “Tide makes its biggest laundry detergent change since pods.” Axios.com, Axios, 17 Feb. 2026, https://www.axios.com/2026/02/17/tide-evo-tiles-dry-laundry-detergent-launch. “Tide Unveils World-First Laundry Breakthrough: Introduction Tide evo, the Fiber-Detergent Tile.” Us.pg.com, Proctor & Gamble, 17 Feb. 2026, https://us.pg.com/newsroom/news-releases/Tide-Unveils-World-First-Laundry-Breakthrough-Introducing-Tide-evo-the-Fiber-Detergent-Tile/. Recent Episodes of the Agent Survival Guide Podcast: 5 Takeaways from the CMS 2027 Marketplace Proposed Rule 2016 vs. 2026: The Insurance Edition CMS 2027 MA & Part D Advance Notice Q1 ACA Sales Calendar Q1 Medicare Sales Planner Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

Have a client that wants to switch Med Supp plans? If they live in a Med Supp birthday rule state, it might be easier than you think! Learn more about the states and their rules in this ASG Podcast episode. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 8 Strategies to Prevent Rapid Disenrollments from Medicare Plans 2016 vs. 2026: The Insurance Edition A Comprehensive Guide to Medicare Supplement Underwriting CMS 2027 MA & Part D Advance Notice Medicare Advantage Trial Rights Explained for Agents References: “10 Things You Should Know About Buying a Medigap policy in Utah.” Insurance.utah.gov, Utah Insurance Department, https://insurance.utah.gov/consumers/health-insurance/medicare/. Accessed 2 Feb. 2026. “AB 250 Medicare Supplement “Birthday Rule” Nevada.” Doi.nv.gov, Nevada Department of Insurance, https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/Insurers/Life_and_Health/AB%20250%20Guidance.pdf. Accessed 2 Feb. 2026. “California Med Supp Birthday Rule.” Insurance.ca.gov, California Department of Insurance, https://www.insurance.ca.gov/0150-seniors/0100alerts/SA-01-10B.cfm. Accessed 2 Feb. 2026. “Can I change my Medigap policy?” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/change-policies. Accessed 2 Feb. 2026. “Compare Medigap Plan Benefits.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 2 Feb. 2026. “Delaware Med Supp Birthday Rule.” Legis.deleware.gov, Delaware General Assembly, https://legis.delaware.gov/BillDetail/141935. Accessed 2 Feb. 2026. “Expert: More Medicare plan options available to seniors.” Wyomingnews.com, Wyoming Tribune Eagle, 13 Aug. 2025, https://www.wyomingnews.com/news/local_news/expert-more-medicare-plan-options-available-to-seniors/article_da163542-25c0-49c9-8683-a8e81332c1d7.html. “Idaho Recent Changes to Medicare Supplement Law and Rules.” Doi.idaho.gov, Idaho Department of Insurance, https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/recent-changes-to-medicare-supplement-law-and-rules/. Accessed 2 Feb. 2026. Haass, David. “Illinois Birthday Rule for Medicare Supplement Plans.” Medicarefaq.com, Medicare FAQ, https://www.medicarefaq.com/blog/illinois-birthday-rule/. Accessed 2 Feb. 2026. “Indiana Med Supp Birthday Rule.” Indianahousedemocrats.org, Indiana House Democratic Caucus, https://www.indianahousedemocrats.org/news/dant-chesser-bill-to-create-options-for-medicare-supplement-insurance-heads-to-the-senate. Accessed 2 Feb. 2026. “Kentucky Medicare Supplement Update Consumer Alert.” Insurance.ky.gov, Kentucky Department of Insurance, https://insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdf. Accessed 2 Feb. 2026. “Maryland Law Allows for an Additional Open Enrollment Period for Medicare Supplement Policies.” Insurance.maryland.gov, Maryland Insurance Administration, https://insurance.maryland.gov/Consumer/Documents/publications/ConsumerAdvisory-Maryland-law-allows-for-an-additional-Open-Enrollment-Period-for-Medicare-Supplement-Policies.pdf. Accessed 2 Feb. 2026. “Medicare Plan G – Part G.” boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/medicare-supplemental-insurance/medicare-supplement-plans/medicare-plan-g/. Accessed 2 Feb. 2026. “Medigap Birthday Rule States.” Boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/which-states-have-a-medigap-birthday-rule/. Accessed 2 Feb. 2026 “Medigap Open Enrollment Period.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 2 Feb. 2026. LaPick, Micheal. “Medicare Birthday Rules by State (2025): Switch Without Underwriting.” Medicareguide.com, Medicare Guide, 30 Sep. 2025, https://medicareguide.com/medigap-birthday-rules-2025. “Oklahoma New Medicare Supplement Open Enrollment FAQs.” Oid.ok.gov, Oklahoma Insurance Department, https://www.oid.ok.gov/medicare-supplement-open-enrollment-faqs/. Accessed 2 Feb. 2026. Llopis, Bere. “Rhode Island Medigap AEP Update: Switch Your Plan Without Health Questions.” Senior65.com, Senior 65, 02 Dec. 2025, https://www.senior65.com/medicare/article/rhode-island-medigap-aep. Feke, Tanya, M.D. “The ‘birthday rule’: a gift to Medigap enrollees?” medicareresources.org, Medicare Resources, https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/. Accessed 2 Feb. 2026. “Virginia’s Medigap ‘Birthday Rule’ Annual Open Enrollment.” Scc.virginia.gov, State Corporation Commission, https://www.scc.virginia.gov/media/sccvirginiagov-home/consumer-home/insurance/life-amp-health/senior-resources/medigap-birthday-rule.pdf. Accessed 2 Feb. 202

Stay organized with a planner created just for insurance agents selling Medicare! We highlighting what to focus on during the first quarter of the year. Read the text version Download your copy of the Medicare Sales Planner! Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Do’s and Don’ts of Medicare Compliance Medicare Advantage Open Enrollment Do’s and Don’ts The Complete Guide to Client Loyalty and Retention References: “2026 Heart Disease and Stroke Statistics Update Fact Sheet At-a-Glance.” Professional.Heart.Org, American Heart Association, professional.heart.org/en/-/media/PHD-Files-2/Science-News/2/2026-Heart-and-Stroke-Stat-Update/At-A-Glance/2026-Stats-Update-Fact-Sheet-At-A-Glance-Statistics_final.pdf. Accessed 12 Feb. 2026. “35+ Latest Business Plan Statistics to Boost Success.” Bizplanr.ai, Bizplanr, 13 Jun. 2025, https://bizplanr.ai/blog/business-plan-statistics. “Dual Eligible Special Needs Plans (D-SNPs).” CMS.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/enrollment-renewal/special-needs-plans/dual-eligible. Accessed 12 Feb. 2026. Follow Us on Social!; Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

A busy insurance agent can easily become overwhelmed by the number of tasks to complete. But the good news is that you don’t have to rush to finish them all at once! Listen to learn what agents selling ACA plans should focus on during the first quarter of the year. Read the text version Download your copy of the Busy ACA Agent’s Sales Calendar! 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 6 Ways to Generate ACA Leads ACA 101: Selling Under-65 Health Insurance Community Engagement & ACA Marketing Ideas for Agents How an ICHRA Partnership Can Support ACA Sales How Insurance Agents Can Set SMART Goals to Succeed ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Ultimate Agent Resource List Pt. 3: Staying Organized Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

This week, CMS released their 2027 Marketplace Proposed Rule. Join us as we pull out 5 takeaways insurance agents should know about. Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2016 vs. 2026: The Insurance Edition 2026 ACA Enrollment Update 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents CMS 2027 MA & Part D Advance Notice What are the CMS Medicare Gift Rules? References: “CMS Model Consent Form for Marketplace Agents, Brokers, Web-brokers, and Agencies.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/marketplace/agents-brokers/files/cms-model-consent-form-marketplace-agents-brokers.pdf. “CMS Proposes Regulations to Lower Health Care Costs, Expand Consumer Choice, and Protect Taxpayers.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-regulations-lower-health-care-costs-expand-consumer-choice-protect-taxpayers. “HHS Notice of Benefit and Payment Parameters for 2027 Proposed Rule.” CMS.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-payment-parameters-2027-proposed-rule. “Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, www.federalregister.gov/public-inspection/2026-02769/patient-protection-and-affordable-care-act-benefit-and-payment-parameters-for-2027-and-basic-health. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Can your clients afford hybrid long-term care insurance? It might be more affordable than they think. Learn more about the ways hybrid or linked-benefit LTCi can be funded in this episode. Read the text version Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Out-of-the-Box Long-Term Care Insurance Solutions 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients Selling Long-Term Care Insurance What You Need to Know About 1035 Exchanges References: “Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained. Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

When the unexpected happens in your business, it’s important to have all your bases covered. In this episode learn what Errors and Omissions Insurance is and how it could save your business thousands in legal costs. Read the text version 💵Save Up to 50% On E&O Insurance 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Tips for New Insurance Agents 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency Developing Power Habits ft. Dr. Noah St. John IntegrityCONNECT The Benefits of Joining a Top Insurance FMO Tips for Working With a Difficult Client References: Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/. Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026. Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 2026. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 6, 2026: IntegrityCONNECT Question Educational Resources for Insurance Agents Government Funding Bill Update Luffu AI for Family Caregivers ACA Enrollment Comparison Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Educational Resources for Insurance Agents: Content Library eBooks & Guides List of Ritter Events & Webinars Government Funding Bill Update: Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown. “Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth. Luffu AI for Family Caregivers: “Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/. “Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app. “Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving. “From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html. “Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026. ACA Enrollment Comparison: “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2. Related ASG Podcast Episodes: 5 Tips for New Insurance Agents 2016 vs. 2026: The Insurance Edition CMS 2027 MA & Part D Advance Notice Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents IntegrityCONNECT FAQs Follow Us on Social! Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, Threads, and Bluesky Not affiliated with or endorsed by Medicare or any government agency.

Learn about ACA subsidies and their requirements to help your clients save on health insurance! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Myths About Selling ACA Health Insurance Plans How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage How to Assist Clients with Marketplace Household Income Estimations How to Help Clients Navigate ACA Marketplace Subsides & Taxes What Are the ACA Marketplace Alternatives for Health Insurance? References: “Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026. Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/. “Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026. “Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026. Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three. Read the text version Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Why Gen Z is a Good Fit For Selling Insurance References: “28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/. “Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026. Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age. Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age. Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/. “S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026. “Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia. “Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 30, 2026 Meta Announces Premium Subscriptions TikTok USDS Troubles & New Competitors FY 2026 Appropriations Bills 2025 Tax Season & H.R. 7006 CMS 2027 MA and Part D Advance Notice Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Meta Announces Premium Subscriptions: Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp. "Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/. "Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/. TikTok USDS Troubles & New Competitors: Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316. "Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc. Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html. "Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal. Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html. Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/. Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/. "TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity. Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html. “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026. Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html. FY 2026 Appropriations Bills: “Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table. "Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations. "H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148. "House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/. "Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026. "Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans. "U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https://www.naco.org/news/us-

Get the details on IntegrityCONNECT! Join Sarah and Tina for a deep dive into frequently asked agent questions. Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: FAQs About the Medicare Call Recording Requirements How Health Insurance Agents Can Stay TCPA Compliant Meet Your Sales Team Integrity Official Site Integrity Support Email Ritter Events, Training, & Webinar List Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Is 2026 really the new 2016? Join Sarah as she talks about this internet trend, takes the time machine back to 2016 to compare data, and explains how agents can get in on the fun while it lasts! Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents 2026 ACA Enrollment Snapshot #2 How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries Ritter Can Help You Stay in Touch with Your Clients What Are CMS' Part B Rebatable Drugs for 2026? References: “2016 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_fandj_deductible_amount_for_medigap_high_deductible_options.pdf. Accessed 21 Jan. 2026. “2016 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_oop_limits_-_medigap_plans_k_and_l.pdf. Accessed 21 Jan. 2026. "2016 Medicare Parts A & B Premiums and Deductibles Announced." CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/press-releases/2016-medicare-parts-b-premiums-and-deductibles-announced. Accessed 21 Jan. 2026. “2026 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 21 Jan. 2026. “2026 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Jan. 2026. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0. “Marketplace Enrollment, 2014-2025: KFF State Health Facts.” KFF.Org, KFF, www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D. Accessed 21 Jan. 2026. "Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings." CMS.Gov, Centers for Medicare & Medicaid Services, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. "Original Medicare Costs in 2016." medicarerights.org, Medicare Rights Center, https://www.medicarerights.org/fliers/Original-Medicare/Original-Medicare-Costs-in-2016.pdf. Accessed 21 Jan. 2026. "Original Medicare Costs in 2026." medicareinteractive.org, Medicare Rights Center, https://www.medicareinteractive.org/wp-content/uploads/Original-Medicare-Costs-in-2026.pdf. Accessed 21 Jan. 2026. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Get the breakdown of each Affordable Care Act metal tier plan right here! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Questions to Ask Clients Shopping for an ACA Plan Selling ACA/Under-65 Health Insurance with Ritter The Complete Guide to Selling Affordable Care Act Insurance Plans – FREE eBook Download Understanding the ACA Marketplace & Exchanges Understanding ACA Plan Metal Tiers PDF - Download References: “Average Monthly Marketplace Premiums by Metal Tier: KFF State Health Facts.” KFF, 3 Nov. 2025, https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/. “Health Plan Categories: Bronze, Silver, Gold, & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 15 Dec. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Learn more about the Medicare prescription payment plan program. Get the information you need now so you can answer questions from your clients. 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: The Complete Guide on How to Sell Prescription Drug Plans 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents 8 Strategies to Prevent Rapid Disenrollments from Medicare Plans Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them The 2026 Medicare Part D Redesign Changes Agents Should Know References: “Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 13 Jan 2026. “Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 13 Jan 2026. “Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf. Accessed 13 Jan 2026. “Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 13 Jan 2026. “Medicare & You Handbook.” Medicare, Centers for Medicare & Medicaid Services (CMS), www.medicare.gov/medicare-and-you. Accessed 13 Jan. 2026. “Medicare Prescription Payment Plan Details.” Medicare.Gov, CMS, www.medicare.gov/prescription-payment-plan. Accessed 13 Jan. 2026. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 16, 2026: Instagram “Your Algorithm” Personalization Apple Health+ on the Horizon? Apple Creator Studio ACA Subsidy Extension Passes House 2026 ACA Enrollment Snapshot #2 Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Instagram “Your Algorithm” Personalization Bell, Karissa. “Instagram wants you to personalize your Reels algorithm for 2026.” Engadget.com, Engadget, 13 Jan. 2026, https://www.engadget.com/social-media/instagram-wants-you-to-personalize-your-reels-algorithm-for-2026-215252736.html. “Introducing a new way to see and control your algorithm.” About.instagram.com, Instagram, 10 Dec. 2025, https://about.instagram.com/blog/announcements/reels-algorithm-control. Hutchinson, Andrew. “Instagram Rolls Out Algorithm Control Option to All English-Speaking Users.” Socialmediatoday.com, Social Media Today, 13 Jan. 2026, https://www.socialmediatoday.com/news/instagram-rolls-out-algorithm-control-option-to-all-english-speaking-users/809524/. Peters, Jay. “Instagram wants to limit hashtag spam.” Theverge.com, The Verge, 18 Dec. 2025, https://www.theverge.com/news/847739/instagram-hashtag-spam-limit. Apple Health+ on the Horizon? Burkhardt, Michael. “Apple Launching ‘Revamped’ Health App Later This Year with These Four Upgrades.” 9to5mac.Com, 9to5Mac, 11 Jan. 2026, 9to5mac.com/2026/01/11/apple-health-new-features-and-overhaul-coming-ios-26-4/. Raspall, David Bernal. “Apple’s Plans for the Health App Leak: A Huge Overhaul Closer than We Think.” Softonic.Com, Softonic, 12 Jan. 2026, en.softonic.com/articles/apple-health-plans-leak. McMahon, Liv. “Apple Turns to Google to Power AI Upgrade for Siri.” Bbc.Com, BBC News, 13 Jan. 2026, www.bbc.com/news/articles/czdqvp2zqezo. Apple Creator Studio “Apple Introduces Apple Creator Studio, an inspiring collection of the most powerful creative apps.” Apple.com, Apple, 13 Jan. 2026, https://www.apple.com/newsroom/2026/01/introducing-apple-creator-studio-an-inspiring-collection-of-creative-apps/. Rossignol, Joe. “Apple Introduces New 'Creator Studio' Bundle of Apps for $129 Per Year.” MacRumors.com, MacRumors, 13 Jan. 2026, https://www.macrumors.com/2026/01/13/apple-creator-studio/. Rossignol, Joe. “These Apple Apps Will No Longer Receive All New Features Without a Subscription.” MacRumors.com, MacRumors, 13 Jan. 2026, https://www.macrumors.com/2026/01/13/apple-creator-studio-exclusive-app-features/. ACA Subsidy Extension Passes House Guggenheim, Benjamin, and Mia McCarthy. “ 17 Republicans Vote to Restore Lapsed Obamacare Subsidies.” Politico.Com, Politico, 8 Jan. 2026, www.politico.com/news/2026/01/08/17-republicans-vote-to-restore-lapsed-obamacare-subsidies-00717497. Lillis, Mike, et al. “House Passes 3-Year Extension of ObamaCare Subsidies.” TheHill.Com, The Hill, 8 Jan. 2026, thehill.com/homenews/house/5680184-obamacare-tax-credits-bill-passes-house/. Minemyer, Paige. “House Passes ACA Tax Credit Extension, With Support From 17 Republicans.” FierceHealthcare.Com, Fierce Healthcare, 12 Jan. 2026, www.fiercehealthcare.com/regulatory/legislators-revive-aca-debate-hill-trump-seeks-meeting-insurers. 2026 ACA Enrollment Snapshot #2 “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

Leads are crucial to the success of your insurance business. Take a step outside the box with these creative Medicare lead-generation ideas! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd Affinity Partnerships for Insurance Agents Custom Ink Field Notes on Partner Marketing Resources Shop RitterIM The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships References: Forman-Katz, Naomi. “For National Radio Day, Key Facts about Radio Listeners and the Radio Industry in the U.S.” Pewresearch.Org, Pew Research Center, 17 Aug. 2023, www.pewresearch.org/short-reads/2023/08/17/for-national-radio-day-key-facts-about-radio-listeners-and-the-radio-industry-in-the-us/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Expand your Affordable Care Act client base with these six lead generation strategies! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Insurance Marketing Tips to Help Agents Stand Out from the Crowd 5 Types of Content to Share on Social Media Build Your Brand with Community Involvement Ritter Carrier Partners Community Engagement & ACA Marketing Suggestions for Agents How to Better Market Yourself Marketing & Incentives Why Being a Likable Agent Is Good for Your Business References: “Children’s Health Insurance Program (CHIP).” Medicaid.Gov, https://www.medicaid.gov/chip. Accessed 3 Apr. 2025. “CMS.Gov Enterprise Portal.” Portal.Cms.Gov, https://portal.cms.gov/portal/. Accessed 3 Apr. 2025. “FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 3 Apr. 2025. “FAQs for Marketplace Agents and Brokers.” AgentBrokerFaq.Cms.Gov, https://www.agentbrokerfaq.cms.gov/s/article/Where-can-I-update-my-public-facing-agent-broker-profile-information-so-that-consumers-can-find-me-and-request-assistance. Accessed 3 Apr. 2025. “Find Local Help.” HealthCare.Gov, https://www.healthcare.gov/find-local-help/. Accessed 3 Apr. 2025. “Get Help Applying & More.” HealthCare.Gov, https://www.healthcare.gov/find-assistance/. Accessed 3 Apr. 2025. “Help on Demand: Training and Registration Guide.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 3 Apr. 2025. Instagram, https://www.instagram.com/. Accessed 3 Apr. 2025. “Log in or Sign Up.” Facebook, https://www.facebook.com/. Accessed 3 Apr. 2025. “Log in or Sign Up.” LinkedIn, https://www.linkedin.com/home. Accessed 3 Apr. 2025. “Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, https://www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 3 Apr. 2025. “Shop Health Insurance Overview.” HealthCare.Gov, https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/. Accessed 3 Apr. 2025. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 3 Apr. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 9, 2026: Rural Health Transformation Program Allocations Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model Global Benchmark for Efficient Drug Pricing (GLOBE) Model Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model Clear, Accurate, and Actionable Health Care Prices Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Rural Health Transformation Program Allocations: “CMS Announces $50 Billion in Awards to Strengthen Rural Health in All 50 States.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-50-billion-awards-strengthen-rural-health-all-50-states. “CMS Announces Establishment of the Office of Rural Health Transformation.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-establishment-office-rural-health-transformation. “CMS Launches Landmark $50 Billion Rural Health Transformation Program.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Sep. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-landmark-50-billion-rural-health-transformation-program. Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model: “CMS Proposes New Mandatory GUARD Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-guard-model. “GUARD (Guarding U.S. Medicare Against Rising Drug Costs) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/guard. Accessed 7 Jan. 2026. Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23705/guarding-us-medicare-against-rising-drug-costs-guard-model. Accessed 7 Jan. 2026. Global Benchmark for Efficient Drug Pricing (GLOBE) Model: “CMS Proposes New Mandatory GLOBE Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-globe-model. “Global Benchmark for Efficient Drug Pricing (GLOBE) Model.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23702/global-benchmark-for-efficient-drug-pricing-globe-model. Accessed 7 Jan. 2026. “GLOBE (Global Benchmark for Efficient Drug Pricing) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/globe. Accessed 7 Jan. 2026. Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model: “BALANCE (Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/balance. Accessed 7 Jan. 2026. “CMS Launches Voluntary Model to Expand Access to Life-Changing Medicines, Promote Healthier Living.” CMS.Gov, Centers for Medicare & Medicaid Services, 23 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-voluntary-model-expand-access-life-changing-medicines-promote-healthier-living. How the BALANCE Model Will Help Medicare Part D & Medicaid Enrollees Access GLP-1s Minemyer, Paige. “CMS Launching Payment Model to Boost Access to GLP-1s in Medicaid, Part D.” Fiercehealthcare.Com, Fierce Healthcare, 24 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-launching-payment-model-boost-access-glp-1s-medicaid-part-d. Clear, Accurate, and Actionable Health Care Prices: Minemyer, Paige. “CMS Proposes Updates to Price Transparency Regs to Make Data More Accessible, Usable.” Fiercehealthcare.Com, Fierce Healthcare, 19 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-proposes-updates-price-transparency-regs-make-data-more-accessible-usable. “Transparency in Coverage.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23693/transparency-in-coverage. Accessed 7 Jan. 2026. “Transparency in Coverage Proposed Rule (CMS 9882-P).” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/transparency-coverage-proposed-rule-cms-9882-p “Trump Administration Proposes Significant Updates to Disclosure Requirements to Make Health Care Prices Clear, Accurate, and Actionable for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/press-releases/trump-administration-proposes-significant-updates-disclosure-requirements-make-health-care-prices Follow Us on Social! Ritter on Facebook, http

Discover all the reasons why we think Gen Z is a great match for the insurance industry! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Reasons Why Ritter Should Be Your FMO Insurance Agency 10 Essential Tools for Beginner Insurance Agents Developing Power Habits ft. Dr. Noah St. John The Difference Between Captive & Independent Agents The Difference Between Medicare & Medicaid Your Step-By-Step Guide to Getting Started in Insurance Sales References: McAllister, Sean. “How is Gen Z changing the workplace?” Zurich.Com, https://www.zurich.com/media/magazine/2022/how-will-gen-z-change-the-future-of-work . Accessed 10 Dec. 2025. Veltheim, Hanna. “Pandemic’s Impact on the Young: Generation Z and Growing up in the Middle of Covid-19.” Futures Platform, Futures Platform, 28 Nov. 2024, https://www.futuresplatform.com/blog/pandemics-impact-generation-z. Hall, Rebecca. “Recruiting Gen Z: Understanding What Matters.” Imercer, https://www.imercer.com/articleinsights/Attracting-new-graduates-and-Gen-Z-with-the-right-pay-and-perks. Accessed 10 Dec. 2025. Wells, Andrea. “Young Agents Survey: The next Generation Steps Up.” Insurance Journal, 22 Apr. 2015, https://www.insurancejournal.com/magazines/coverstory/2015/04/20/364399.htm. “The Average Length of a Job by Generation: A Look at Workforce Trends.” Sudina Search, LinkedIn, 19 Feb. 2025, https://www.linkedin.com/pulse/average-length-job-generation-look-workforce-trends-sudina-search-r4wqf#:~:text=Studies_indicate_that_Gen_Z,and_alignment_with_personal_values. Robinson, Bryan. “The Gen Z Mindset Graduates Bring to the Workplace in 2025.” Forbes, Forbes Magazine, 27 Apr. 2025, https://www.forbes.com/sites/bryanrobinson/2025/04/26/the-gen-z-mindset-graduates-bring-to-the-workplace-in-2025/. Wilson, Heather H. “The Insurance Industry’s Talent Crunch: Attracting and Retaining Gen Z.” Insurance Journal, 24 Mar. 2025, https://www.insurancejournal.com/magazines/mag-features/2025/03/24/816425.htm . Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 7 Reasons Clients Switch Medicare Plans During AEP Do's and Don'ts of Medicare Compliance Fact-Finder Worksheet PDF Helping Clients Navigate Medicare’s Durable Medical Equipment Coverage How to Save Beneficiaries Money on Prescription Drugs at a Preferred Pharmacy Medicare Advantage Emergency-Related SEPs Medicare Advantage Open Enrollment Do's and Don'ts Medicare Advantage Trial Rights Explained for Agents Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them Start Selling 5-Star Medicare Advantage Plans All Year Register with Ritter Insurance Marketing What Beneficiaries Value Most in Medicare Advantage Plans References: “Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement .” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/. “Medicare Advantage Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 8 Dec. 2025. “Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 8 Dec. 2025. “Part D Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 8 Dec. 2025. Sparks, Grace et. al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/health-costs/public-opinion-on-prescription-drugs-and-their-prices. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

In this episode, we’re tapping our past podcast guests for more advice. This time around, we asked what advice they would offer to more seasoned insurance agents. 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Adding Spokes to Your Wheel ft. Robert Rothschild Building the Foundation for Success ft. Roy Snarr How to Build Intentional Value ft. Neil Reich Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Operating From a People-First Mentality ft. Scott Zimmerman Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Just starting out in the insurance industry? There’s a lot to learn! We’ve compiled some tips from past podcast guests on the advice they would give to new insurance agents. 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Building the Foundation for Success ft. Roy Snarr How to Build Intentional Value ft. Neil Reich Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Making Your Own Luck ft. Michael Krantz Operating From a People-First Mentality ft. Scott Zimmerman Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

It’s important that agents are equipped to handle Medicare grievances when they arise. Listen to learn how to prepare and best practices for avoiding these situations. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: A Review of Integrity’s Top Medicare Quoting Tools Do’s and Don’ts of Medicare Compliance IntegrityCONNECT PlanEnroll PlanEnroll Client Sync Tutorial PDF Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Survivor’s AEP Checklist Updates to the 2026 AHIP Certification You Should Know What Agents Can’t Say During Medicare Sales Appointments What Not to Say During Medicare Educational and Sales Events What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales References: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 26 Nov. 2025. “Closed Confirmed Consumer Complaints by Coverage Type - CIS.” Closed Confirmed Consumer Complaints by Coverage Type - CIS, https://content.naic.org/cis_agg_type.htm. Accessed 26 Nov. 2025. “Filing a Complaint.” Medicare, https://www.medicare.gov/providers-services/claims-appeals-complaints/complaints. Accessed 26 Nov. 2025. “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, https://www.medicare.gov/. Accessed 26 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

The Affordable Care Act health insurance is a great option for many. But it may not be the right fit for your clients. Discover ACA alternatives that fit your clients’ needs. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Government & Insurers Reconsider Short-Term Limited Duration Product Changes How the ACA Subsidy Cliff Impacts Client Shopping for Marketplace Coverage How to Prepare for AEP Like a Pro How Much Money Can Agents Make Selling Ancillary Health Insurance Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Secure a Bigger, Better Business with Ancillary Products The One Big Beautiful Bill: What Health Insurance Agents Should Know References: “E&O Insurance for Insurance Agents.” Insureon, www.insureon.com/insurance-agent-business-insurance/errors-omissions. Accessed 5 Nov. 2025. Stevenson, Michael. “Mid-Year 2025 Employee Benefits Market Update: 4 Trends to Watch.” Seubert, 7 Aug. 2025, www.seubert.com/blog/mid-year-2025-employee-benefits-market-update-4-trends-to-watch/. “Minimum Essential Coverage.” CMS.Gov, www.cms.gov/marketplace/health-plans-issuers/minimum-essential-coverage. Accessed 5 Nov. 2025. “Minimum Essential Coverage (MEC) - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/minimum-essential-coverage/. Accessed 5 Nov. 2025. “Qualifying Health Coverage - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/qualifying-health-coverage/. Accessed 5 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Sarah reveals the top Agent Survival Guide Podcast episodes of 2025. Did your favorite episode make the cut? You’ll have to listen to find out! 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Links to the Top ASG Podcast Episodes of 2025: 2026 Medicare Part A & B Premiums & Deductibles 5 Ways to Survive Enrollment Season 2026 7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover Understanding the ACA Marketplace & Exchanges Honorable Mention: 2026 ACA Exchange & FFM Certification Info 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D 5 Medicare Myths Your Clients May Believe 6 Ways to Generate ACA Leads Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005 FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Optimize Your Online Presence ft. Aaron Kassover Setting SMART Goals in 2025 The Best Appointment Schedulers for Insurance Agents Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Not affiliated with or endorsed by Medicare or any government agency.

Join our merry elves as we celebrate the newest Content Library release: A Happy, Healthy Christmas! We talk content with a cup of holiday cheer and a heaping side of nostalgia. Resources: Content Library – A Happy, Health Christmas Packet Ritter Insurance Marketing Content Library YouTube Series – Cold Coffee & Stale Donuts Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Not affiliated with or endorsed by Medicare or any government agency.

Sarah and Tina are back with another gift guide to help you survive holiday shopping! Listen as they chat about their favorite gifts to give and maybe one or two they’re hoping to receive this year. 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Mentioned in this episode: Pinch Provisions Quince Uncommon Goods Waxing Poetic Other episodes you might like: Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005 Holiday Toy Shopping Guide 2025 How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Use these questions to help your client find the right Affordable Care Act coverage! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans ACA Enrolment Periods Explained Everything You Need to Know About the ACA OEP FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans How the ACA Subsidy Cliff Impacts Shopping for Marketplace Coverage How to Help Client Navigate ACA Marketplace Subsidies & Taxes Meet Your Sales Team Surviving OEP The Ritter Docs – Under 65 There’s More to Life Insurance Than Just a Policy The State of the ACA Market in 2025 Understanding ACA Plan Metal Tiers Understanding the ACA Marketplace & Exchanges What the Inflation Reduction Act Means for Your Medicare & ACA Clients References: “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 4 Dec. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for December 12, 2025: Wrapping Up AEP 2026 Spotify Wrapped 2025 Pebble Index 01 2026 ACA Enrollment Snapshot #1 KFF 2026 Medicare Advantage Spotlight Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Pebble Index 01: Perez, Sarah. “Pebble’s Founder Introduces a $75 AI Smart Ring for Recording Brief Notes with a Press of a Button.” Techcrunch.Com, TechCrunch, 9 Dec. 2025, techcrunch.com/2025/12/09/pebbles-founder-introduces-a-75-ai-smart-ring-for-recording-brief-notes-with-a-press-of-a-button/. Chokkattu, Julian. “Pebble is Making a $75 Smart Ring.” Wired.com, Wired, https://www.wired.com/story/pebble-index-ring/. Pierce, David. “The next Pebble gadget is the Index 01, a ring with a microphone.” theverge.com, The Verge, 9 Dec. 2025, https://www.theverge.com/gadgets/840352/pebble-index-smart-ring-launch-price. 2026 ACA Enrollment Snapshot #1: “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 4 Dec. 2024, https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-0. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 5 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot. KFF 2026 Medicare Advantage Spotlight: Freed, Meredith, Jeannie Fuglesten Biniek, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Nancy Ochieng, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-premiums-and-benefits/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

New coverage year, new changes to Medicare Part D! Don't miss our refresher on the Part D Redesign updates coming in 2026. Familiarize yourself with these changes now so you can be a helpful resource for your clients! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2025 Medicare Part D Redesign Updates The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond References: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 19 Nov. 2025. “Fact Sheet: President Donald J. Trump Announces Actions to Lower Prescription Drug Prices.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-announces-actions-to-lower-prescription-drug-prices/. “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 19 Nov. 2025. “H.R.5376 - 117th Congress (2021-2022): Inflation Reduction Act of 2022 | Congress.Gov | Library of Congress.” Congress.Gov, https://www.congress.gov/bill/117th-congress/house-bill/5376. Accessed 19 Nov. 2025. “Lowering Drug Prices by Once Again Putting Americans First.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/presidential-actions/2025/04/lowering-drug-prices-by-once-again-putting-americans-first/. “Medicare Part D Creditable Coverage: CMS Finalizes Revised Simplified Determination Method for 2026.” Risk Strategies - Part of the Brown & Brown Team, https://www.risk-strategies.com/blog/medicare-part-d-creditable-coverage-cms-finalizes-revised-simplified-determination-method-for-2026. Accessed 19 Nov. 2025. “Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medicare-prescription-payment-plan. Accessed 19 Nov. 2025. Santiago, Abdie, and Stephnie A. John. “The IRA in 2025: The Future of Medicare Part d.” Mintz, https://www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. Accessed 19 Nov. 2025. Aboulenein, Ahmed. “Trump Signs Healthcare Executive Order That Includes a Win for Pharma Companies | Reuters.” Reuters, https://www.reuters.com/world/us/trump-signs-healthcare-executive-order-that-includes-win-pharma-companies-2025-04-15/. Accessed 19 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

In this episode we’re highlighting some important things to think about while AEP is still fresh in your mind. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 3 Benefits of Contracting to Sell Medicare Advantage Plans Outside of AEP 8 Powerful Practices for Selling Prescription Drug Plans 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D A Review of Integrity’s Top Medicare Quoting Tools Carriers with Ritter Get a FREE Portfolio Review IntegrityCONNECT Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You Meet Your Sales Team PlanEnroll – Take Your Business to the Next Level Ritter Summits Surviving AEP The Benefits of Joining a Top Insurance FMO The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook The Ritter Platform The Ultimate Agent Resource List Pt. 3: Staying Organized What Agents Forget to Do When Preparing for Appointments Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Before you wrap it up and put a bow on it, does that gift for your Medicare client follow CMS guidelines? Listen to this episode of the Agent Survival Guide Podcast to find out and stay compliant! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Affinity Partnerships for Insurance Agents Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Complete Guide to Client Loyalty and Retention What are the Medicare Gift Rules? References: “Associations Urge Stronger Oversight of MA Marketing Practices.” Npaonline.Com, National Pace Association, https://www.npaonline.org/about-npa/news/news/2024/08/07/associations-urge-tougher-enforcement-of-anti-predatory-medicare-advantage-marketing-practices. Accessed 18 Nov. 2025. “General Questions Regarding Certain Fraud and Abuse Authorities.” Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services, 8 July 2024, https://www.oig.hhs.gov/faqs/general-questions-regarding-certain-fraud-and-abuse-authorities. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 18 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 18 Nov. 2025. “OIG-Policy-Statement-Gifts-of-Nominal-Value.Pdf.” Oig.Hhs.Gov/, https://www.oig.hhs.gov/documents/special-advisory-bulletins/887/OIG-Policy-Statement-Gifts-of-Nominal-Value.pdf. Accessed 18 Nov. 2025. “The Fine Line between Gifts and Bribes.” Adams & Associates, PLC, 14 Nov. 2023, https://www.azwhitecollarcrime.com/blog/2019/04/01/the-fine-line-between-gifts-and-bribes/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Dr. Noah St. John joins Sarah to talk about his Freedom Lifestyle Formula, Power Habits, and other strategies he's written about over the years. Find out why Dr. Noah says that willpower doesn't help change habits and there's more to success than just mindset. Get ready to unlock your potential with his honest and actionable strategies. Find Dr. Noah St. John Online: Breakthrough With Noah Facebook Instagram LinkedIn Official Website Power Habits® The 7-Figure Life The Book of Afformations™ YouTube Resources: How Insurance Agents Can Turn Anxiety into Fuel How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly How to Build Intentional Value ft. Neil Reich Optimize Your Online Presence ft. Aaron Kassover Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

As a certified insurance agent, staying CMS compliant is a crucial component to your success. Listen to this episode for a mini crash-course on best practices, guidelines, and resources to stay compliant. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: FAQs About the Medicare Call Recording Requirements FAQs & Guidelines on Compliant Medicare Marketing Materials Guidelines for Sharing Personal Beneficiary Data with Other TPMOs How to Stay Compliant During All Medicare Sales Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You IntegrityCONNECT Login Learn more about PlanEnroll Ritter's Preferred Partners What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales Rules for Hosting a Compliant Medicare Educational Event What Agents Can't Say During Medicare Sales Appointments What CMS Requires Agents to Discuss Prior to Medicare Enrollments What Not to Say During Medicare Educational and Sales Events Where It All Begins: Obtaining Permission to Contact for Medicare Sales References: “Medicare Advantage Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 19 Nov. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 19 Nov. 2025. “Part D Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 19 Nov. 2025. “Federal Register.” Federal Register, https://www.federalregister.gov/. Accessed 19 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Ritter & Integrity Webinars/Events The Ideal Client for Medicare Supplement Plans When Do Med Supp Plans K, L, M, & N Make Sense? References: “2024 Rate Increase Justification Plain ...” UHC.Com, UnitedHealthcare Insurance Company, https://www.uhc.com/content/dam/uhcdotcom/en/Legal/required-state-notices/2024-VT-Rate-Increase-Justification-AARP-Medicare-Supp-plans.pdf. Accessed 19 Nov. 2025. Rosenberg, Alex, and Holly Carey. “How Much Does a Medicare Supplement Insurance Plan Cost?” NerdWallet, https://www.nerdwallet.com/article/insurance/medicare/medigap-cost. Accessed 19 Nov. 2025. Maiale, Ben. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” Genre, https://www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Accessed 19 Nov. 2025. Whicheloe, Emily. “Medigap Changes in 2020.” Medicare Rights Center, 11 Apr. 2019, https://www.medicarerights.org/medicare-answers/2019/04/11/blog-medigap-changes-in-2020. “NHE Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet. Accessed 19 Nov. 2025. Noam, Eli. Medigap Plans Analysis Nov 2023, Columbia University Emeritus Professors in Columbia, https://professorsemeritus.columbia.edu/sites/professorsemeritus.columbia.edu/files/content/PDFs/Medigap-plans-analysis-Nov-2023.pdf. Accessed 19 Nov. 2025. Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, 9 Aug. 2025, https://www.kff.org/medicare/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Your client’s Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it’s important. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Stress Relief Tips to Get You Through AEP The 2026 COLA Increase & How it Affects Your Clients What CMS Requires Agents to Discuss Prior to Medicare Enrollments References: “Contact Medicare.” Medicare, www.medicare.gov/talk-to-someone. Accessed 12 Nov. 2025. “Medicare Beneficiary Identifiers (Mbis).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/training-education/partner-outreach-resources/new-medicare-card/medical-beneficiary-identifiers-mbis. Accessed 12 Nov. 2025. “The United States Social Security Administration.” Social Security, www.ssa.gov/. Accessed 12 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

CMS recently published their 2027 Medicare Advantage and Part D Proposed Rule. In this week’s Friday Five episode, we talk initial takeaways and the impact on agents and beneficiaries. Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2026 Medicare Cost Roundup 2026 Medicare Part A & B Premiums & Deductibles Government & Insurers Reconsider Short-Term Limited Duration Product Changes How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries Prescription Drug Pricing: MFN & GENEROUS The 2026 COLA Increase & How it Affects Your Clients References: Hagerstrom, Chris. “11 Key Changes in CMS’s Contract Year 2027 Proposed Rule That Agents Should Be Watching.” Jsaonline.Com, Jack Schroeder and Associates, LLC, 2 Dec. 2025, www.jsaonline.com/resources/blog/11-key-changes-in-cmss-contract-year-2027-proposed-rule-that-agents-should-be-watching/. “Contract Year 2027 Policy & Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, & Medicare Cost Plan Program Proposed Rule.” Chamberhillstrategies.Com, Chamber Hill Strategies, 2 Dec. 2025, chamberhill.com/insights/cy2027-ma-part-d-proposed-rule/. “Contract Year 2027 Medicare Advantage and Part D Proposed Rule.” CMS.Gov, CMS, 25 Nov. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2027-medicare-advantage-part-d-proposed-rule. Minemyer, Paige. “CMS Proposes Significant Overhauls to Medicare Advantage Star Ratings Metrics.” Fiercehealthcare.Com, Fierce Healthcare, 25 Nov. 2025, www.fiercehealthcare.com/regulatory/cms-proposes-significant-overhauls-medicare-advantage-star-ratings-metrics. Singh, Vandana. “CMS Unveils 2027 Rule To Refocus Medicare Advantage On Outcomes.” Benzinga.Com, Benzinga, 26 Nov. 2025, www.benzinga.com/news/health-care/25/11/49083625/cms-unveils-2027-rule-to-refocus-medicare-advantage-on-outcomes. “Medicare Program; Contract Year 2027 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, and Medicare Cost Plan Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 28 Nov. 2025, www.federalregister.gov/documents/2025/11/28/2025-21456/medicare-program-contract-year-2027-policy-and-technical-changes-to-the-medicare-advantage-program. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Every career field has its challenges. One challenge you’ll likely encounter at some point as an insurance agent is a difficult client. In this episode, we’ve got tips and advice about what to do in those situations! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Medicare Myths Your Clients May Believe Field Notes on Digital Marketing Resources How Client Retention Boosts Insurance Sales Keys to Client Retention: Digital Communication Keys to Client Retention: Face-to-Face Communication PlanEnroll – Quoting & Enrollment Platform The Complete Guide to Client Loyalty and Retention FREE eBook Download The Ritter Platform What Agents Can’t Say During Medicare Sales Appointments References: Sloan, Kayla. “4 Reasons You Shouldn’t Drop a Client on a Whim.” Due, 21 Feb. 2023, https://due.com/drop-a-client/. “Explore Your Medicare Coverage Options.” Medicare.Gov, https://www.medicare.gov/plan-compare/. Accessed 6 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Double and triple check your enrollment applications for errors! Make sure your applications don't get flagged during the submissions process by following these tips. Read the text version Register with Ritter & Unlock Digital Tools Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Announcing IntegrityCONNECT Meet Your Ritter Sales Team IntegrityCONNECT Leads FAQs PlanEnroll – Take Your Business to the Next Level Integrity Sales Technology – Ritter Docs What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales IntegrityCONNECT References: “Social Security Performance.” Social Security, www.ssa.gov/ssa-performance. Accessed 19 Oct. 2025. “ Title 42 Chapter IV Subchapter B Part 422 Subpart V § 422.2264.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264. Accessed 19 Oct. 2025. Ruhle, Jessica. “What Do Seniors Do Online? 2025 Data for Marketers.” Creating Results, 26 Mar. 2025, www.creatingresults.com/blog/2025/03/13/what-do-seniors-do-online-2025-data-for-marketers/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Your clients are a great resource to generate new leads. Happy and loyal clients will tell friends and family about your remarkable service. Find out how to build a referral network with current clients to grow your business! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Building Client Loyalty: More Than Just a Plan Generate Medicare Leads Using Marketing Materials from ShopRitterIM How Insurance Agents Can Learn About Their Social Media Audience How Relationship Marketing Can Make the Difference in Your Agency Integrity Tools Register with Ritter Shop Ritter Insurance Marketing The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook The Ritter Blog Where It All Begins: Obtaining Permission to Contact for Medicare Sales References: “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, Canva, www.canva.com/. Accessed 1 Dec 2025. “Free Online Document Editing with Microsoft Word: Microsoft 365.” Free Online Document Editing with Microsoft Word | Microsoft 365, Microsoft, www.microsoft.com/en-us/microsoft-365/word. Accessed 1 Dec 2025. “Word-of-Mouth Marketing: How to Get Happy Customers to Advocate for Your Business.” BigCommerce.Com, BigCommerce, 17 Nov. 2025, www.bigcommerce.com/articles/ecommerce/word-of-mouth-marketing/. Max Freedman. “Why Word of Mouth Beats Traditional Advertising.” Business News Daily, Business News Daily, 17 Jan. 2024, www.businessnewsdaily.com/2353-consumer-ad-trust.html. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 1 Dec 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Serve your clients and stay CMS compliant. That’s your priority as an insurance agent. Here at Ritter, we’re happy to help! Check out this episode for a refresher on what you can’t say during Medicare sales appointments and why. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Tips for Making a Better Insurance Sales Pitch Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Meet Your Ritter Sales Team PlanEnroll The Insurance Agent’s Guide to Generating Referrals FREE eBook Download What Are the ACA Marketplace Alternatives for Health Insurance?What Are the CMS Medicare Gift Rules? What to Know About SOAs in Medicare Health and Prescription Drug Sales References: “2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. Accessed 10 Nov. 2025. Wrage, Alexandra. “Bribery Is Bad... for Business.” Forbes, Forbes Magazine, 25 Jan. 2017, www.forbes.com/sites/alexandrawrage/2017/01/25/bribery-is-bad-for-business/. Freed, Meredith, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF, 15 Nov. 2024, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 Nov. 2025. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

The Annual Enrollment Period holds many sales opportunities; some you may not know the full value of! Discover how Medicare Supplements can benefit you and your clients during AEP! Read the text version Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download CSG Actuarial – Quote & Enroll Ancillary Solutions Cure Your Client’s Needs with a PDP Finding the Best Medicare Supplement Plan Letter for Your Client Guiding Your Clients Through Med Supp Underwriting How to Save Your Clients Money on Prescription Drugs Meet Your Ritter Sales Team Medicare Supplements Full the Gaps in Your Portfolio The Ideal Client for Medicare Supplement Plans What to Know When Replacing Existing Med Supp Plans for Clients When Do Med Supp Plans K, L, M, & N, Make Sense? References: “Am Best.” Web.Ambest.Com, www.web.ambest.com/home. Accessed 29 Oct. 2025. “Get Ready to Buy.” Medicare.Gov, www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 29 Oct. 2025. “How Much Does Medicare Drug Coverage Cost?” Medicare.Gov, www.medicare.gov/health-drug-plans/part-d/basics/costs. Accessed 29 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Marketing is a vital part of any business. But when it comes to marketing your services as an agent selling Medicare, there are specific rules and regulations. To help you out, we’ve compiled a list of FAQs around compliant Medicare marketing. Press play to get started! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2026 Medicare Advantage & Part D Certification Info Certification Center – Ritter Insurance Marketing Do’s and Don’ts of Medicare Compliance FAQs About the Medicare Call Recording Requirements Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You IntegrityCONNECT – Save time. Sell more. PlanEnroll - Take Your Business to the Next Level ShopRitterIM Social Media Marketing for Insurance Agents FREE eBook Download References: “Digital and Email Marketing Platform | Constant Contact.” Constant Contact, www.constantcontact.com/. Accessed 10 Nov. 2025. “Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 10 Nov. 2025. “Prohibition of Misuse of Symbols, Emblems, or Names in Reference to Social Security or Medicare.” Social Security Act §1140, www.ssa.gov/OP_Home/ssact/title11/1140.htm. Accessed 10 Nov. 2025. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 10 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Special delivery… the official ASG Podcast guide to holiday toy shopping in 2025! We’ve done the research, now it’s time to report our findings. Which toy will come out at number one this year? You’ll have to listen to find out! Agent Survival Guide Podcast Toy List 2025: Bluey and Bingo Supermarket Playset: Amazon | Official Site | Target | Walmart Cows in Space: Amazon | Official Site | Target | Walmart DJ Furby: Amazon | Official Site | Target | Walmart Maggie the Feed & Follow Cow: Amazon | Official Site | Target | Walmart Gabby's Dollhouse: The Movie MeowMazing Interactive Dollhouse: Amazon | Target | Walmart Gui Gui Slime Kit: Amazon | Official Site | Target | Walmart Jurassic Park Primal Hatch Interactive Toy: Amazon | Official Site | Walmart Lovevery Play Kits: Amazon | Official Site | Target Monopoly Scrabble: Amazon | Official Site | Walmart Moose Match Mayhem: Amazon | Official Site | Target | Walmart Nintendo Switch 2: Amazon | Official Site | Target | Walmart Rubik's Cube Pulse Cube: Amazon | Official Site | Target | Walmart Tamagotchi Paradise: Amazon | Official Site Toniebox 2: Amazon | Official Site | Target | Walmart UNO Show 'Em No Mercy: Amazon | Official Site | Target | Walmart Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.

Frustrated by Medicare plans going non-commissionable? We get it, and we've got some actionable tips for insurance agents navigating these changes. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Finding the Best Medicare Supplement Plan Letter for Your Client Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2026 How Much Money Can Agents Make Selling Ancillary Health Insurance? How to Ask Your Current Clients for Referrals Medicare Supplements Fill the Gaps in Your Portfolio Signs It's Time to Expand Your Insurance Portfolio & Make the Move! Why Plan N Is Becoming a Go-To Medicare Supplement Choice References: “Agent Broker Compensation.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation. Accessed 11 Nov. 2025. McGough, Matt, et al. “How Has Healthcare Utilization Changed since the Pandemic?” Peterson-KFF Health System Tracker, 31 Jan. 2023, www.healthsystemtracker.org/chart-collection/how-has-healthcare-utilization-changed-since-the-pandemic/. Copeland, Lindsey. “More People Are Enrolling in Medicare Advantage at High Cost to Medicare and Taxpayers.” Medicare Rights Center, 31 July 2025, www.medicarerights.org/medicare-watch/2025/07/31/more-people-are-enrolling-in-medicare-advantage-at-hight-cost-to-medicare-and-taxpayers. MacDonald, Ilene. “Regulatory Roundup: Judge Vacates CMS Regulation to Limit Ma Broker, Agent Pay Caps; Elevance Health Loses Star Ratings Case; and More.” RISE Health, www.risehealth.org/insights-articles/article/regulatory-roundup-judge-vacates-cms-regulation-to-limit-ma-broker-agent-pay-caps-elevance-health-loses-star-ratings-case-and-more/. Accessed 11 Nov. 2025. “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, www.medicare.gov/. Accessed 11 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 3 Easy Ways to Build Your Insurance Sales Territory eBooks & Guides for Insurance Agents How to Stay Compliant During All Medicare Sales Ritter Insurance Marketing Carrier Pages Rules for Hosting a Compliant Medicare Educational Event What Not to Say During Medicare Educational and Sales Events References: “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 11 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 11 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.