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

Get involved and help businesses in your community offer employees affordable health care through Individual Coverage Health Reimbursement Arrangements (ICHRAs). Read the text version Work 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: 5 Things About ICHRA Community Engagement & ACA Marketing Suggestions for Agents Field Notes – Digital Resources for Agents How an ICHRA Partnership Can Support ACA Sales How Ask Integrity Can Streamline Your Medicare Sales Appointments How to Ask Your Current Clients for Referrals ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Meet Your Ritter Sales Team The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Insurance Agent’s Guide to Generating Referrals References: “Health Insurance Marketplace Calculator.” KFF, 14 Aug. 2025, www.kff.org/interactive/subsidy-calculator/. “HRA Council Data Insights Hub.” HRA Council, https://www.hracouncil.org/report. Accessed 22 Aug. 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 September 19, 2025: Wrapping up the 2025 Ritter Summits Compliant Compensation for Medicare Sales, Renewals, or Services New Features for Spotify Free & Premium Introvert, Extrovert, Ambivert… Otrovert? Announcing the Launch of IntegrityCONNECT Get Connected: 🤝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. Ritter Resources: Download eBooks and Guides Read the Ritter Blog Register for Events and Webinars Compliant Compensation for Medicare Sales, Renewals, or Services: “Burden of Proof.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/burden_of_proof. Accessed 19 Sept. 2025. Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf. Federal Register, National Archives and Records Administration, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2274. Accessed 17 Sept. 2025. Federal Register, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V/section-423.2274. Accessed 17 Sept. 2025. “Preponderance of the Evidence.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/preponderance_of_the_evidence. Accessed 19 Sept. 2025. New Features for Spotify Free & Premium: “7 Ways Spotify’s New User Controls Put You in Charge of Your Listening.” For the Record, Spotify, 8 Sept. 2025, newsroom.spotify.com/2025-09-05/new-user-controls-personalize-listening/. Shanklin, Will. “Free Spotify Users Can Finally Listen to Any Track Immediately.” Engadget.Com, Engadget, 15 Sept. 2025, www.engadget.com/entertainment/streaming/free-spotify-users-can-finally-listen-to-any-track-immediately-130013081.html. “Lossless Listening Arrives on Spotify Premium With a Richer, More Detailed Listening Experience.” For the Record, Spotify, 10 Sept. 2025, newsroom.spotify.com/2025-09-10/lossless-listening-arrives-on-spotify-premium-with-a-richer-more-detailed-listening-experience/. Connellan, Shannon. “Spotify’s Free Users Can Now Search and Play Songs with Ease.” Mashable.Com, Mashable, 16 Sept. 2025, mashable.com/article/spotify-free-search-play-songs. “Spotify’s Free Experience Is Even Better—Here’s How to Make the Most of It.” For the Record, Spotify, 15 Sept. 2025, newsroom.spotify.com/2025-09-15/free-experience-updates-features-tips/. Mehta, Ivan. “Spotify Is Finally Launching Support for Lossless Music Streaming.” TechCrunch.Com, TechCrunch, 10 Sept. 2025, techcrunch.com/2025/09/10/spotify-is-finally-launching-support-for-lossless-music-streaming/. Rogers, Tammy. “Spotify Lossless Just Dropped — Here’s How It Compares to Apple Music, Tidal and Other High-Res Services.” Tomsguide.Com, Tom’s Guide, 15 Sept. 2025, www.tomsguide.com/entertainment/music-streaming/streaming-quality-everything-you-need-to-know-about-your-favorite-music-streamer. Introvert, Extrovert, Ambivert… Otrovert? “A Deeper Dive into Otrovert Traits.” Theothernessinstitute.Com, The Otherness Institute, www.othernessinstitute.com/in-other-words/a-deeper-dive-into-otrovert-traits/. Accessed 17 Sept. 2025. Burke, Olivia. “Expert Explains New ‘Otrovert’ Personality Type and It’s Very Different to Introverts or Extroverts.” LADbible.Com, LADbible, 12 Sept. 2025, www.ladbible.com/community/personality-type-otrovert-explained-dr-rami-kaminski-378511-20250912. Kaminski, Rami. “‘Otroverts’ and Why Nonconformists Often See What Others Can’t.” Bigthink.Com, Big Think, 2 July 2025, bigthink.com/big-think-books/otrovert/. Mendoza, Luis Felipe. “The Otrovert, New Personality Type Identified by Psychiatrists.” Colombia One, colombiaone.com, 16 Sept. 2025, colombiaone.com/2025/09/16/otrovert-new-personality/. Announcing the Launch of IntegrityCONNECT: “Integrity Announces IntegrityCONNECT, an All-in-One Technology Growth Engine for Agents and Agencies.” Integrity.Com, Integrity, 17 Sept. 2025, integrity.com/announcingintegrityconnect/. IntegrityCONNECT Agent Learning Center List of IntegrityCONNECT Training Webinars More Episodes Like This One: 5 Medicare Myths Your Clients May Believe CMS & HHS Expand ACA Catastrophic Coverage Enrollment Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder How Insurance Agents Can Use AI Tools Judge Grants Stay on Many 2025 ACA Final Rule Provisions The Survivor’s AEP Checklist 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:/

Put your insurance business on the map by creating Google Business Profile. Learn how to create a profile, optimize it, and reach larger audiences online. Listen for all this and more! Work 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: 4 Ways PlanEnroll Will Make This Your Best AEP Yet Field Notes for Agents – Communication, Productivity, & Business Resources Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo Tips for Becoming a Top Producing Insurance Agency What New Insurance Agents Need to Know References: “Get Listed on Google.” Google Business Profile, Google, https://business.google.com/us/business-profile/. Accessed 18 Aug. 2025. “Manage Your Service Areas for Service-Area & Hybrid Businesses.” Google Business Profile Help, Google, https://support.google.com/business/answer/9157481. Accessed 18 Aug. 2025. “Sign up for Business Profile.” Google Business Profile Help, Google, https://support.google.com/business/answer/10514137. Accessed 18 Aug. 2025. “Verify Your Business on Google.” Google Business Profile Help, Google, https://support.google.com/business/answer/7107242. Accessed 18 Aug. 2025. “Understand Your Business Profile Performance.” Google Business Profile Help, Google, https://support.google.com/business/answer/9918094. Accessed 18 Aug. 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.

Discover Ritter Insurance Marketing's resource hub for surviving AEP 2026! Make This Your Best AEP Yet! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. 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 September 12, 2025: Ritter Summit Takeaways Part 2 Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 2026 Medicare & You Handbook Release Date for iOS, iPadOS, MacOS, and WatchOS 26 CMS & HHS Expand ACA Catastrophic Coverage Enrollment Ritter Summit Takeaways Part 2: Register for Ritter Insurance Marketing Summits Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026: Watch the Webinar 2026 Medicare & You Handbook: Download Your Copy Release Date for iOS, iPadOS, MacOS, and WatchOS 26: Peters, Jay. “iOS 26 Is out on September 15th.” Theverge.Com, The Verge, 9 Sept. 2025, www.theverge.com/news/770784/apple-ios-26-release-date-liquid-glass. McAuliffe, Zachary. “I Was Right Yet Again: iOS 26 Is Coming Monday, Sept. 15.” Cnet.Com, CNET, 9 Sept. 2025, www.cnet.com/tech/services-and-software/i-was-right-yet-again-ios-26-is-coming-monday-sept-15/. Perry, Alex. “Apple iOS 26 Release Date: When You Can Download It.” Mashable.Com, Mashable, 9 Sept. 2025, mashable.com/article/apple-ios-26-release-date-how-to-download. Diaz, Maria. “iOS 26 Update Is Coming Soon - How to Download It (and Which iPhones Support It).” Zdnet.Com, ZDNET, 10 Sept. 2025, www.zdnet.com/article/ios-26-update-is-coming-soon-how-to-download-it-and-which-iphones-support-it/. Teague, Katie. “iOS 26: What to Know about the Free iPhone Software Update Arriving September 15.” Engadget.Com, Engadget, 11 Sept. 2025, www.engadget.com/mobile/ios-26-what-to-know-about-the-free-iphone-software-update-arriving-september-15-135749658.html. CMS & HHS Expand ACA Catastrophic Coverage Enrollment: August 22, 2025 Friday Five: Judge Vacates HHS MA Commissions Lawsuit “By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families’ Health Care Costs.” Cbpp.Org, Center on Budget and Policy Priorities, www.cbpp.org/research/health/by-the-numbers-house-bill-takes-health-coverage-away-from-millions-of-people-and. Accessed 11 Sept. 2025. “CMS Broadens Access to Catastrophic Exchange Plans.” Modernhealthcare.Com, Modern Healthcare, 4 Sept. 2025, www.modernhealthcare.com/politics-regulation/mh-catastrophic-health-plans-open-enrollment-2026/. “Entities Approved to Use Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 9 Aug. 2024, www.cms.gov/files/document/ede-approved-partner.pdf. Reed, Tina. “Exclusive: HHS to Expand Eligibility for Catastrophic Plans.” Axios.Com, Axios, 4 Sept. 2025, www.axios.com/2025/09/04/trump-hhs-expand-catastrophic-plan-eligibility. “Expanding Access to Health Insurance: Consumers to Gain Access to ‘Catastrophic’ Health Insurance Plans in 2026 Plan Year.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026. “Guidance on Hardship Exemptions for Individuals Ineligible for Advance Payment of the Premium Tax Credit or Cost-Sharing Reductions Due to Income, and Streamlining Exemption Pathways to Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/files/document/guidance-hardship-exemptions.pdf. “HHS Expands Access to Affordable Health Insurance.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/press-releases/hhs-expands-access-affordable-health-insurance. “HHS Expands Access to Affordable Health Insurance.” HHS.Gov, U.S. Department of Health and Human Services, 4 Sept. 2025, www.hhs.gov/press-room/hhs-expands-access-affordable-catastrophic-health-coverage.html. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. Minemyer, Paige. “Trump Administration Expands Access to ACA Catastrophic Plans.” Fiercehealthcare.Com, Fierce Healthcare, 4 Sept. 2025, www.fiercehealthcare.com/regulatory/trump-administration-expands-access-aca-catastrophic-plans. Resources: 2026 ACA & Medicare Cost Projections 3 Benefits of Selling ACA Insurance Plans 5 Medicare Myths Your Clients May Believe 2026 ACA Exchange & FFM Certification Info Judge Grants Stay on Many 2025 ACA Final Rule Provisions The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Survivor’s AEP Checklist Get Connected: 🤝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. 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 Y

AEP 2026 will be here before you know it. We’ve broken down the path to a successful Annual Enrollment Period in 5 steps, tap that play button to find out what they are! 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: Certification Center on Ritter Docs Compliance Posts on the Ritter Blog Compliance Tab in Ritter Docs Get Registered with Ritter Insurance Marketing Integrity Technology Training Schedule Meet Your Sales Team at Ritter Insurance Marketing Miramar:Agent Pinpoint Global Ritter Events Calendar The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide on How to Sell Prescription Drug Plans The Ritter Agent Compliance Handbook References: “CMS 2025 Medicare Advantage and Part D Final Rule.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.federalregister.gov/documents/2024/04/23/2024-07105/medicare-program-changes-to-the-medicare-advantage-and-the-medicare-prescription-drug-benefit. Accessed 28 Aug. 2025. “Medicare Advantage Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 28 Aug. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 28 Aug. 2025. “Part D Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 28 Aug. 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.

Discover the benefits to selling hospital indemnity plans! Download Your FREE Copy – The Insurance Agent’s Guide to Understanding Hospital Indemnity Policies Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. 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.

Artificial intelligence can streamline and automate menial tasks for agents. In this episode find out the pros and cons of using AI for your insurance business. Read the text version Partner 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: Ask Integrity Gen Z and Insurance Sales: The Perfect Match How to Recruit Agents to Your Downline Integrity Tools for Agents Introducing Integrity for Agencies: Innovate Your Downline Insurance Business Register with Ritter Insurance Marketing Tips for Becoming a Top Producing Insurance Agency References: “Siri.” Apple, https://www.apple.com/siri/. Accessed 6 Aug. 2025. “What Is Gemini and How It Works.” Gemini, https://gemini.google/overview/. Accessed 6 Aug. 2025. “Why Is Artificial Intelligence (AI) so Important?: CSU Global.” Colorado State University Global, 22 Apr. 2025, https://csuglobal.edu/blog/why-ai-important. 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.

This week, we tackle 5 Medicare myths that your clients may believe. Learn how to respectfully refute these myths, educate your clients, and empower them to make informed choices. The Content Library from Ritter Insurance Marketing 🤝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. Medicare Basics Resources on the Content Library*: How and When Can I Change Medicare Insurance Plans?* The Basics of Medicare Insurance* What is Original Medicare? * What is Medicare Part C (Advantage)? * What is Medicare Part D? * What are Medicare Supplements? * Additional Podcast Episodes & Resources: 5 Types of Content to Share on Social Media Apps for Content Creation Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents ft. Lisa Lynch and Jeff Snyder Medicare Advantage Trial Rights Explained for Agents What New Insurance Agents Need to Know What to Know When Replacing Existing Med Supp Plans for Clients 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/ *Requires RitterIM.com registration & login Not affiliated with or endorsed by Medicare or any government agency.

We’ve got updates* on the 2026 ACA Exchange, requirements, and training resources! *UPDATE: Since publishing this episode, 2026 FFM Certification has gone live. State-based trainings in Colorado, Georgia, Kentucky, Maryland, Pennsylvania, and Virginia are also live. Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. List of State Exchange Websites Resources: Certification Center - Ritter Docs Everything Agents Need to Know About Selling in State-Based Marketplaces FREE eBook download The Complete Guide to Selling Affordable Care Act Insurance Plans How to Become Certified for ACA Marketplace Sales with FFM Training OEP Ready-to-Sell Checklist for New Agents Register with Ritter Insurance Marketing Simplify Marketplace Enrollment HealthSherpa References: “Brokers.” Marketplace Individual & Families, https://nystateofhealth.ny.gov/agent/. Accessed 12 Aug. 2025. “Brokers: Pennsylvania Health Insurance Exchange Authority.” PHIEA, https://agency.pennie.com/brokers/. Accessed 12 Aug. 2025. “FAQs for Marketplace Agents and Brokers.” Agent Broker FAQ CMS, https://www.agentbrokerfaq.cms.gov/s/article/What-is-the-Marketplace-Learning-Management-System-and-how-do-I-access-it. Accessed 12 Aug. 2025. “Find Affordable Health Insurance in Georgia.” Georgia Access, 8 Aug. 2025, https://georgiaaccess.gov/. “For Certified Brokers.” Connect for Health Colorado, 10 June 2025, https://connectforhealthco.com/for-certified-brokers/. “Home.” Maryland Health Connection, 5 Aug. 2025, https://www.marylandhealthconnection.gov/. “Official Site of the State of New Jersey.” GetCoveredNJ | Brokers & Agents, https://nj.gov/getcoverednj/home/assisters_ba.shtml. Accessed 12 Aug. 2025 “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, https://www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 12 Aug. 2025. “Welcome to Kynect Health Coverage.” HealthCoverage, https://kynect.ky.gov/healthcoverage/s/?language=en_US. Accessed 12 Aug. 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 August 29, 2025: Ritter Summits Takeaways & Shoutouts What I’m Watching Right Now Apple “Awe Dropping” Event Announced Spotify Slips Into the DMs Judge Grants Stay on Many 2025 ACA Final Rule Provisions Get Connected: 🤝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. Ritter Summits Takeaways & Shoutouts: Register for Ritter Insurance Marketing Summits What I’m Watching Right Now: The Residence on Netflix Apple “Awe Dropping” Event Announced: Esposito, Filipe. “5 iPhone 17 Rumors Apple Basically Confirmed in Its ‘Awe Dropping’ Event Invite.” Macworld.Com, Macworld, 27 Aug. 2025, www.macworld.com/article/2889966/5-iphone-17-rumors-apple-just-confirmed-in-its-awe-dropping-event-invite.html. Lord, Sarah. “Apple’s ‘Awe Dropping’ iPhone 17 Event: What to Expect and How to Watch.” PCMAG.Com, PCMAG, 27 Aug. 2025, www.pcmag.com/news/apple-awe-dropping-iphone-17-event-what-to-expect-how-to-watch. Hall, Zac. “Apple Officially Announces iPhone 17 Event: ‘Awe Dropping.’” 9to5Mac.Com, 9to5Mac, 26 Aug. 2025, 9to5mac.com/2025/08/26/iphone-17-event-announcement-2/. Carlson, Jeff. “Deciphering Apple’s ‘Awe Dropping’ iPhone 17 Event Invite.” CNET.Com, CNET, 27 Aug. 2025, www.cnet.com/tech/deciphering-apples-awe-dropping-iphone-17-event-invite/. Hardwick, Tim. “What Not to Expect at Apple’s ‘Awe Dropping’ September 9 Event.” MacRumors.Com, MacRumors, 28 Aug. 2025, www.macrumors.com/2025/08/28/what-not-to-expect-apple-iphone-17-event/. Spotify Slips Into the DMs: “Introducing Messages, A New Way To Share What You Love on Spotify with Friends and Family.” Newsroom.Spotify.Com, Spotify, 26 Aug. 2025, newsroom.spotify.com/2025-08-26/introducing-messages-a-new-way-to-share-what-you-love-on-spotify-with-friends-and-family/. Schneider, Marc. “Spotify’s DMS Are Open.” Billboard.Com, Billboard, 26 Aug. 2025, www.billboard.com/pro/spotify-messages-app-sharing-dms-feature/. Weatherbed, Jess. “Spotify Is Adding DMS.” TheVerge.Com, The Verge, 26 Aug. 2025, https://www.theverge.com/news/765771/spotify-messages-dms-audio-sharing-feature. Spangler, Todd. “Spotify Launches In-App Messaging, Hoping New DM Feature Will Boost Listening and ‘Drive Hype.’” Variety.Com, Variety, 26 Aug. 2025, variety.com/2025/digital/news/spotify-launches-in-app-messaging-1236497588/. Judge Grants Stay on Many 2025 ACA Final Rule Provisions: Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf. Minemyer, Paige. “Courts Press Pause on Key Elements of Trump Administration’s ACA Rule.” Fiercehealthcare.Com, Fierce Healthcare, 25 Aug. 2025, www.fiercehealthcare.com/regulatory/courts-press-pause-key-elements-trump-administrations-aca-rule. Bruner, Bethany. “Federal Judge Halts Implementation of Health Insurance Changes in Lawsuit Columbus Filed.” Dispatch.Com, The Columbus Dispatch, 25 Aug. 2025, www.dispatch.com/story/news/courts/2025/08/22/federal-judge-halts-trump-administration-health-insurance-rules-columbus-ohio-lawsuit-aca-obamacare/85782252007/. “Healthcare.Gov’s Marketplace in Your State.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 28 Aug. 2025. Pifer, Rebecca. “Judge Stays Provisions of Trump Administration Rule Overhauling ACA.” Healthcare Dive, healthcaredive.com, 25 Aug. 2025, www.healthcaredive.com/news/trump-affordable-care-act-rule-stay-cms/758474/. Clason, Lauren. “RFK Jr.’s Obamacare Changes Partially Paused by Federal Judge.” Bloomberglaw.Com, Bloomberg Law, 22 Aug. 2025, news.bloomberglaw.com/health-law-and-business/rfk-jr-s-obamacare-changes-partially-paused-by-federal-judge. Oeschner, Troy, et al. “What’s at Stake in California v. Kennedy?” Rockinst.Org, Rockefeller Institute of Government, 22 Aug. 2025, www.rockinst.org/blog/whats-at-stake-in-california-v-kennedy/. Resources: 3 Benefits of Selling ACA Insurance Plans 5 Things About ICHRA 2026 ACA & Medicare Cost Projections ACA Enrollment Periods Explained Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover 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 end

We're back with another update on Ritter's Content Library - Mastering Medicare Insurance Coverage! This time, Sarah and Jeff chat about how this content can help agents educate clients about the ins and outs of their Medicare coverage. 📚Browse Ritter Insurance Marketing’s Content Library for Insurance Agents 🤝Register with Ritter Insurance Marketing Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd 5 Types of Content to Share on Social Media Field Notes on Partner Marketing Resources Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources How Relationship Marketing Can Make the Difference in Your Agency Introducing a Content Marketing Solution for Insurance Agents Learning to Delight in the Limelight ft. Linda Ugelow Reach out to Ritter’s Compliance Team 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.

Selling Affordable Care Act Insurance plans can be a lucrative addition to your business! 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: 6 Ways to Generate ACA Leads 2026 ACA Exchange & FFM Certification Info ACA Enrollment Periods Explained Agent Requirements for ACA Sales Everything Agents Need to Know About Selling in State-Based Marketplaces How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training Operating From a People-First Mentality ft. Scott Zimmerman The Complete Guide to Selling Affordable Care Act Plans – FREE eBook Download What is the Health Insurance Marketplace? References: “5 Steps to Start Selling Marketplace Health & Dental Plans.” HealthCare.Gov, https://www.healthcare.gov/agent-broker-quick-start/. Accessed 5 Aug. 2025. “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 5 Aug. 2025. “Marketplace Enrollment, 2014-2025.” KFF, 8 July 2025, https://www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/. “New Agents’ and Brokers’ Guide to Plan Year 2025 Marketplace Registration and Training.” Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/new-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 5 Aug. 2025. “Over 24 Million Consumers Selected Affordable Health Coverage in ACA Marketplace for 2025.” CMS.Gov, https://www.cms.gov/newsroom/press-releases/over-24-million-consumers-selected-affordable-health-coverage-aca-marketplace-2025. Accessed 5 Aug. 2025. “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, https://www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 5 Aug. 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.

Lisa Marzolino and Danica Stover join Sarah to talk about ICHRA (Individual Coverage Health Reimbursement Arrangements) and the partnership between Nexben and Ritter Insurance Marketing. Listen to learn more about this exciting opportunity for agents! 🚨UPDATE: This episode was recorded and produced prior to U.S. District Judge Hurson's decision to stay several provisions from the 2025 ACA Marketplace Integrity and Affordability Rule. For information on those changes, we recommend listening to our August 29th Friday Five episode, Judge Grants Stay on Many 2025 ACA Final Rule Provisions Questions about ICHRA? Ready to get started? Reach out to Nexben at [email protected] or call 1-888-613-6461. Resources: 5 Things About ICHRA How an ICHRA Partnership Can Support ACA Sales ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Questions to Ask Clients Shopping for an ACA Plan References: “A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexben.Com, Nexben, 31 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples. “ICHRA Guide for Individual Coverage HRAS 2025.” Takecommandhealth.Com, Take Command Health, 10 June 2025, www.takecommandhealth.com/ichra-guide. “ICHRA Reporting Requirements: Details to Know & How Nexben Helps.” Nexben.Com, Nexben, 18 June 2025, www.nexben.com/blog/ichra-reporting-requirements-details-to-know-how-nexben-helps. “The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers. 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.

The Friday Five for August 22, 2025: Field Notes on OBBBA, Spotify, and TikTok D. Power Medicare Advantage Member Satisfaction Survey Sonder Health Plans Inc. Termination Short-Term Medical Plan Regulation Update Judge Vacates HHS MA Commissions Lawsuit Get Connected: 📞Contact Ritter’s Team in Georgia – Steve Telander, Jada Morthland, and Betsy Bond! 🤝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. Field Notes on OBBBA: 5 Things From the 2025 Budget Reconciliation Bill The One Big Beautiful Bill: What Health Insurance Agents Should Know Field Notes on Spotify: “Mix Your Favorite Playlists Seamlessly by Adding Your Own Transitions.” Newsroom.Spotify.Com, Spotify, 19 Aug. 2025, newsroom.spotify.com/2025-08-19/mix-your-favorite-playlists-seamlessly-by-adding-your-own-transitions/. Romero, Andrew. “Spotify Is Doubling down on Track Transitions with New Custom Options.” 9to5google.Com, 9to5google, 19 Aug. 2025, 9to5google.com/2025/08/19/spotify-custom-playlist-transitions/. Perez, Sarah. “Spotify’s Latest Feature Lets You Add Your Own Transitions to Playlists.” TechCrunch.Com, TechCrunch, 19 Aug. 2025, techcrunch.com/2025/08/19/spotifys-latest-feature-lets-you-add-your-own-transitions-to-playlists/. Weatherbed, Jess. “Spotify’s New Track Mixing Tool Adds DJ Features to Your Playlists.” Theverge.Com, The Verge, 19 Aug. 2025, www.theverge.com/news/761290/spotify-playlist-mix-audio-transition-feature. Mauran, Cecily. “Spotify Now Allows Custom Transitions in Playlists.” Mashable.Com, Mashable, 19 Aug. 2025, mashable.com/article/spotify-custom-transitions-in-playlists. Field Notes on TikTok: West, Chloe. “TikTok Hashtags: How to Use the Best Hashtags for More Views in 2025.” Sproutsocial.Com, Sprout Social, 14 Aug. 2025, sproutsocial.com/insights/tiktok-hashtags/. Hutchinson, Andrew. “TikTok Implements Hashtag Limit.” Socialmediatoday.Com, Social Media Today, 17 Aug. 2025, www.socialmediatoday.com/news/tiktok-implements-five-hashtag-limit-per-post/757857/. Adegbola, Anu. “TikTok Limits Posts to Five Hashtags.” Searchengineland.Com, Search Engine Land, 18 Aug. 2025, searchengineland.com/tiktok-limits-hashtags-460894. J.D. Power Medicare Advantage Member Satisfaction Survey: “2025 U.S. Medicare Advantage Study.” Jdpower.Com, J.D. Power, 19 Aug. 2025, www.jdpower.com/business/press-releases/2025-us-medicare-advantage-study. “J.D. Power: Medicare Advantage Headwinds Impacting Member Satisfaction.” Fiercehealthcare.Com, Fierce Healthcare, 19 Aug. 2025, www.fiercehealthcare.com/payers/jd-power-medicare-advantage-headwinds-impacting-member-satisfaction. Payerchin, Richard. “Medicare Advantage Policy Changes Fuel Confusion, Skepticism among Beneficiaries.” Edited by Todd Shryock, MedicalEconomics.Com, MedicalEconomics, 19 Aug. 2025, www.medicaleconomics.com/view/medicare-advantage-policy-changes-fuel-confusion-skepticism-among-beneficiaries. Sonder Health Plans Inc. Termination: Contact Ritter’s Team in Georgia – Steve Telander, Jada Morthland, and Betsy Bond! “Important Announcement Regarding Sonder Health Plans, Inc.” Oci.Eorgia.Gov, Georgie Office of Commissioner of Insurance and Fire Safety, oci.georgia.gov/press-releases/2025-08-15/important-announcement-regarding-sonder-health-plans-inc. Accessed 20 Aug. 2025. “Sonder Health Plans, Inc. - In Receivership.” Sonderhealthplans-Inreceivership.Com, Sonder Health Plans, sonderhealthplans-inreceivership.com/. Accessed 20 Aug. 2025. Short-Term Medical Plan Regulation Update: “Federal Agencies Signal a Shift in Enforcement of Short-Term Health Insurance Rules.” Aha.Org, American Hospital Association, 8 Aug. 2025, www.aha.org/news/headline/2025-08-08-federal-agencies-signal-shift-enforcement-short-term-health-insurance-rules. “Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/. “Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage. “Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited-Duration Insurance.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf. Judge Vacates HHS MA Commissions Lawsuit: O’Conner, Reed. “Americans for Beneficiary Choice & Council for Medicare Choice vs. U.S. Department of Health and Human Services.” Gove.Uscourts.Com, U.S. District Court, 18 Aug. 2025, storage.courtlistener.com/recap/gov.uscourts.txnd.389767/gov.uscourts.txnd.389767.62.0.pdf. “Judge

In this Field Notes episode we’re reviewing Agency Management Systems to automate tasks, distribute leads, and streamline 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. Agency Management Systems: AgencyBloc AMS+ AMS360 Hawksoft MedicarePRO NextAgency Radius Agency Resources: How to Sell Final Expense Insurance FREE eBook Download How to Recruit Agents to Your Downline Integrity Tools for Insurance Agents The Difference Between Captive and Independent Agents Your Best AEP Yet with Ritter Insurance Marketing References: “AMS360.” Vertafore, https://www.vertafore.com/products/agency-management-software/ams360. Accessed 31 July 2025. “Agency Management System Built for You!” Radius, https://www.radiusbob.com/. Accessed 5 Aug. 2025. “Agency Management System/CRM for Health & Life Insurance: Agencybloc.” AgencyBloc Insurance Agency CRM, https://www.agencybloc.com/. Accessed 31 July 2025. “AMS vs CRM: Choosing the Right Fit for You.” AMS vs CRM: What’s Right for You?, https://www.glueup.com/blog/ams-vs-crm. Accessed 31 July 2025. HawkSoft. “Privacy.” HawkSoft, https://www.hawksoft.com/privacy/. Accessed 31 July 2025. “Industry Standard CRM and Sales Tool.” MedicarePRO, https://www.medicareproapp.com/site/siteController/index. Accessed 5 Aug. 2025. HawkSoft. “Insurance Agency Management System.” HawkSoft, https://www.hawksoft.com/agency-management-system/. Accessed 31 July 2025. Katz, Alan. “Nextagency Agency Management System.” NextAgency, 2 Aug. 2025, https://nextagency.com/. “Riskmatch for Agencies & Brokers.” Vertafore, https://www.vertafore.com/products/insurance-analytics-tool/riskmatch. Accessed 31 July 2025. “Sales Enablement Tools for Health & Life Insurance Agencies.” AgencyBloc Insurance Agency CRM, https://www.agencybloc.com/ams/sales-enablement/. Accessed 5 Aug. 2025. Presson, Molly. “What Is an Agency Management System?” Home, PlanYear, Inc., 18 Apr. 2023, https://www.planyear.com/blog/what-is-an-agency-management-system. 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.

Connect with your clients in more than one way. Check out our recommendations for video calling software! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Video Communication Resources: Google Meet Google Workspace Microsoft Meet Phone.com RingCentral Zoho Webinar Zoho Meeting Zoom Webinars Zoom Workplace Resources: 5 Things From the 2025 Budget Reconciliation Bill Field Notes for Agents Playlist Register with Ritter Insurance Marketing Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo The Insurance Agent’s Guide to Generating Referrals – FREE eBook Download References: “AI-Powered Online Video Meetings.” RingCentral, https://www.ringcentral.com/video.html. Accessed 24 July 2025. “Collaboration Tools for Teams of All Sizes.” Zoom, https://www.zoom.com/en/products/collaboration-tools/. Accessed 24 July 2025. “Deliver Your Message, Captivate Your Audience.” Zoom, https://www.zoom.com/en/products/webinars/. Accessed 24 July 2025. “Google Meet: Online Web and Video Conferencing Calls | Google Workspace.” Google Workspace, Google, https://workspace.google.com/products/meet/. Accessed 24 July 2025. “Google Workspace: Secure Online Productivity & Collaboration Tools.” Google Workspace, Google, https://workspace.google.com/. Accessed 24 July 2025. Asurion. “How to Share Your Screen on Facetime.” Asurion, 6 Feb. 2025, https://www.asurion.com/connect/tech-tips/share-iphone-ipad-screen-facetime/. “Online Meeting Software & Platform - Zoho Meeting.” Zoho, https://www.zoho.com/meeting/. Accessed 24 July 2025. “Small Business Communication Software: Microsoft Teams.” Microsoft, https://www.microsoft.com/en-us/microsoft-teams/small-medium-business. Accessed 24 July 2025. “Video Meetings.” Phone.Com, 21 Feb. 2025, https://www.phone.com/video-meetings/. “Zoho Webinar: Video Webinar Platform & Tool.” Zoho, https://www.zoho.com/webinar/. Accessed 24 July 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.

Stay in touch with clients, expand your network, and grow your business with these email communication tools! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Email Communication Resources: AgencyBloc AgentMethods’ AMPlify Canva Constant Contact Google Workspace MailChimp MedicareCENTER Microsoft 365 ReminderMedia Ritter Insurance Marketing SquareSpace Zoho Mail Ritter Resources: Are Your Medicare Marketing Materials Compliant? Content Library Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Modern Medicare Marketing for Today’s Agents - FREE eBook Download The Ritter Blog References: “Agency Management System/CRM for Health & Life Insurance: Agencybloc.” AgencyBloc Insurance Agency CRM, https://www.agencybloc.com/. Accessed 22 July 2025. AgentMethods. “Insurance Marketing Automation - Increase Sales, Renewals, and Referrals.” AgentMethods, https://www.agentmethods.com/amplify/. Accessed 22 July 2025. “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 22 July 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business. CANVA: Visual Suite for Everyone, https://www.canva.com/. Accessed 22 July 2025. “Digital and Email Marketing Platform | Constant Contact.” Constant Contact, https://www.constantcontact.com/. Accessed 22 July 2025. “Email Marketing Tools & Templates.” Squarespace, https://www.squarespace.com/email-marketing. Accessed 22 July 2025. “Email Users Statistics and Facts.” Market.Us, 18 Nov. 2024, https://market.us/statistics/internet/email-users/. “Gmail: Private & Secure Email for Personal or Business | Google Workspace.” Google, Google, https://workspace.google.com/products/gmail/. Accessed 22 July 2025. “Health Insurance Portability and Accountability Act (HIPAA) & Health Information Technology for Economic and Clinical Health (HITECH) Act - Microsoft Compliance.” Microsoft Compliance | Microsoft Learn, https://learn.microsoft.com/en-us/compliance/regulatory/offering-hipaa-hitech. Accessed 22 July 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 22 July 2025. “Microsoft Outlook (Formerly Hotmail): Free Email and Calendar: Microsoft 365.” Microsoft Outlook (Formerly Hotmail): Free Email and Calendar | Microsoft 365, https://www.microsoft.com/en-us/microsoft-365/outlook/email-and-calendar-software-microsoft-outlook. Accessed 22 July 2025. “Personally Branded Marketing 2025.” ReminderMedia, 10 Mar. 2025, https://remindermedia.com/. “Secure Business Email Hosting for Your Organization: Zoho Mail.” Zoho, https://www.zoho.com/mail/. Accessed 22 July 2025. “Turn Emails into Revenue.” Mailchimp, https://mailchimp.com/. Accessed 22 July 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 best tool to connect with your clients is in your hands! We’ve compiled a list of applications that make compliant communication through the phone a lot easier. Listen to learn more! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Phone & VolP Resources: AgencyBloc Phone.com RingCentral Zoom Phone Call Recording Application Resources: AgencyBloc’s Plus Suite Integrity’s MedicareCENTER Recordia Telephony Service Senior Market Sales CallRecording Solution TTEC Mobile Record and Store Now Ritter Resources: eBooks & Guides Field Notes Episode Playlist The Ritter Blog References: Tautimes, Mari. “Should Insurance Agents Use Text Messages to Communicate with Clients?” Western Asset Protection Blog, Western Asset Protection, 16 May 2019, info.westernassetprotection.com/blog/should-insurance-agents-use-text-messages-to-communicate-with-clients Dice, Zach. “VoIP vs. Company Cell Phones: Which Is Best for Your Business?” Dice Communications Blog, Dice Communications, 3 Nov. 2022, dicecommunications.com/six-key-differentiators-between-company-cell-phones-and-voip Alder, Steve. “HIPAA Training Requirements.” HIPAA Journal, HIPAA Journal, 21 May 2023, www.hipaajournal.com/hipaa-training-requirements/ “Telephone Consumer Protection Act 47 USC § 227.” Federal Communications Commission, Federal Communications Commission, www.fcc.gov/sites/default/files/tcpa-rules.pdf Accessed 22 July 2024. Alder, Steve. “The Use of Technology and HIPAA Compliance.” HIPAA Journal, HIPAA Journal, 27 Nov. 2023, www.hipaajournal.com/the-use-of-technology-and-hipaa-compliance/ “Worldwide Texting Statistics.” Vermont State Highway Safety Office, State of Vermont, 20 June 2018, shso.vermont.gov/sites/ghsp/files/documents/Worldwide%20Texting%20Statistics.pdf Staff in the Office of Technology. “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 17 Jan. 2024, www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business 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 August 15, 2025: Threads, Waze, AEP Countdown CMS 2026 Medicare Part D Bid Information Medicare Part B Cost Projections 2026 COLA Estimate CY2026 ACA Premium Rate Filings Get Connected: 🤝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. Threads, Waze, AEP Countdown: “Number of Threads Users.” Backlinko.Com, Backlinko, 17 July 2025, backlinko.com/threads-users. Mendes, Marcus. “Threads Crosses 400M Monthly Active Users as It Gains on X.” 9to5Mac.Com, 9to5Mac, 13 Aug. 2025, 9to5mac.com/2025/08/12/threads-crosses-400m-monthly-active-users-as-it-gains-on-x/. Price, Emily. “Threads Just Achieved Its Biggest Milestone Yet.” FastCompany.Com, Fast Company, 12 Aug. 2025, www.fastcompany.com/91384230/meta-threads-just-achieved-its-biggest-milestone-yet. Malik, Aisha. “Threads Now Has More than 400 Million Monthly Active Users.” TechCrunch.Com, TechCrunch, 12 Aug. 2025, techcrunch.com/2025/08/12/threads-now-has-more-than-400-million-monthly-active-users/. “Waze Will End Updates for Older Android Devices Soon.” 9to5google.Com, Google, 11 Aug. 2025, 9to5google.com/2025/08/11/waze-will-end-updates-for-older-android-devices-soon/. CMS 2026 Medicare Part D Bid Information: “2026 Medicare Part D Bid Information and Part D Premium Stabilization Demonstration Parameters.” CMS.Gov, CMS, 28 July 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-part-d-bid-information-and-part-d-premium-stabilization-demonstration-parameters. 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why The 2026 Medicare Part D Redesign Updates Agents Should Know Medicare Part B Cost Projections: “2025 Medicare Trustees Report.” CMS.Gov, CMS, 18 June 2025, www.cms.gov/oact/tr/2025. LeValley, Donna. “Seven Medicare Changes Coming in 2026.” Kiplinger.Com, Kiplinger, 8 Aug. 2025, www.kiplinger.com/retirement/medicare/medicare-changes-coming-in-2026. 2026 COLA Estimate: “2025 Medicare Trustees Report.” CMS.Gov, CMS, 18 June 2025, www.cms.gov/oact/tr/2025. LeValley, Donna. “Seven Medicare Changes Coming in 2026.” Kiplinger.Com, Kiplinger, 8 Aug. 2025, www.kiplinger.com/retirement/medicare/medicare-changes-coming-in-2026. CY2026 ACA Premium Rate Filings: Minemyer, Paige. “KFF Analysis Finds a Median ACA Premium Hike of 18% for 2026.” Fiercehealthcare.Com, FierceHealthcare, 8 Aug. 2025, www.fiercehealthcare.com/payers/kff-analysis-finds-median-aca-premium-hike-18-2026. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. Resources: 5 Things About ICHRA 2026 D-SNP Market Snapshot 2026 Midwest D-SNP Market Opportunity Ritter Insurance Marketing Certification Center Should You Hire an Assistant for Your Insurance Business? What New Insurance Agents Need to Know 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.

Hear tips and advice from industry veterans about making sales and connecting with new clients. If you just started in the insurance industry, this episode is for you! Work with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Ritter Resources: How Insurance FMOs Work – FREE eBook Integrity Tools & Resources PlanEnroll – Take Your Business to the Next Level The Ritter Platform Your Step-By-Step Guide to Getting Started in Insurance Sales - FREE eBook Ritter Blog: 10 Essential Tools for Beginner Insurance Agents Are You Self-Sabotaging Your Insurance Sales Success? Questions to Ask Clients Shopping for an ACA Plan More episodes from ASG: AHIP Test Tips and Tricks for Medicare Certification Medicare Enrollment Periods Explained The Difference Between Captive and Independent 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 Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Stay organized with help from the Agent Survival Guide! In this episode, we've got notes on digital calendars for agents. Read the text version Resources: 5 Things From the 2025 Budget Reconciliation Bill Field Notes on Digital Marketing Resources Field Notes on Productivity Tools Field Notes on Project Management Solutions Field Notes on Traditional Marketing Resources Register with Ritter Insurance Marketing The Ultimate Agent Resource List Pt. 1: Market Yourself The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients The Ultimate Agent Resource List Pt. 3: Staying Organized Digital Calendar Tools: Calendar in Microsoft Outlook Fantastical Google Calendar Morgen References: Singh, Shubham. “iPhone Users & Sales Statistics 2025.” Demandsage.Com, DemandSage, 7 July 2025, www.demandsage.com/iphone-user-statistics/. 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.

Go granular with Sarah as we dive deeper into productivity tools to focus specifically on project management solutions. Use these suggestions to organize and scale your workflow! Read the text version Get access to Ritter Insurance Marketing Solutions – Register today Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Project Management Solutions: Asana Basecamp Monday.com Trello Wrike Resources: Field Notes on Digital Marketing Resources Field Notes on Productivity Tools Field Notes on Traditional Marketing Resources The Ultimate Agent Resource List Pt. 1: Market Yourself The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients The Ultimate Agent Resource List Pt. 3: Staying Organized References: Gurnov, Artem. “Best 21 Project Management Tools in 2025: Expert Reviews and Comparisons.” Wrike.Com, Wrike, 3 July 2025, www.wrike.com/project-management-guide/faq/what-are-project-management-tools/. “From Agile to Waterfall: A Breakdown of Project Management Methodologies.” Park.Edu, Park University, 23 May 2025, www.park.edu/blog/from-agile-to-waterfall-a-breakdown-of-project-management-methodologies. “Top 6 Project Management Methodologies to Boost Efficiency.” Virtuallatinos.Com, Virtual Latinos, 4 Mar. 2025, www.virtuallatinos.com/blog/project-management-methodologies/. Rehkopf, Max. “What Is a Kanban Board?” Atlassian.Com, Atlassian, www.atlassian.com/agile/kanban/boards. Accessed 17 July 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 August 8, 2025: Ritter Insurance Marketing Summits Linda Yaccarino Enters Health Industry iOS 26 and iPadOS 26 Public Beta Takeaways New Instagram Features 2025 MA Enrollment Stats & Trends Register to Attend Ritter Insurance Marketing Summits Work with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! Linda Yaccarino Enters Health Industry: “eMed® Population Health Announces Appointment of Former X (Twitter) CEO Linda Yaccarino as New Chief Executive Officer.” Emed.Com, eMed, 5 Aug. 2025, www.emed.com/media/exploring-glp1. Capoot, Ashley. “Former X CEO Linda Yaccarino Takes Helm at Digital Health Company eMed.” CNBC.Com, CNBC, 5 Aug. 2025, www.cnbc.com/2025/08/05/former-x-ceo-linda-yaccarino-takes-helm-at-digital-health-company-emed.html. Roy, Sriparna, and Sneha S K. “Former X CEO Yaccarino Takes Helm at GLP-1 Focused Telehealth Firm eMed.” Reuters.Com, Reuters, 5 Aug. 2025, www.reuters.com/sustainability/boards-policy-regulation/former-x-ceo-yaccarino-takes-helm-glp-1-focused-telehealth-firm-emed-2025-08-05/. Silberling, Amanda. “Linda Yaccarino Joins Health Tech Platform eMed as CEO after Leaving X.” Techcrunch.Com, TechCrunch, 5 Aug. 2025, techcrunch.com/2025/08/05/linda-yaccarino-joins-health-tech-platform-emed-as-ceo-after-leaving-x/. iOS 26 and iPadOS 26 Public Beta Takeaways: “Apple iOS 26 Will Screen Cold Calls.” Collincadmus.Com, Collin Cadmus, www.collincadmus.com/blog/apple-ios-26-will-screen-cold-calls. Accessed 6 Aug. 2025. Teague, Katie. “Can You Download the iOS 26 Beta Today? Here’s a Comprehensive List of All Compatible iPhones.” Engadget.Com, Engadget, 6 Aug. 2025, www.engadget.com/mobile/can-you-download-the-ios-26-beta-today-heres-a-comprehensive-list-of-all-compatible-iphones-191854920.html. Stimac, Blake. “iOS 18 vs. iOS 26: How Much Does Liquid Glass Impact Your iPhone’s Look?” CNET.Com, CNET, 4 Aug. 2025, www.cnet.com/tech/services-and-software/ios-18-vs-ios-26-how-much-does-liquid-glass-impact-your-iphones-look/. Halton, Clay. “I Tried the iOS 26 Beta—These 5 Features Make My iPhone Feel Like New Again.” Pcmag.Com, PC Mag, 5 Aug. 2025, www.pcmag.com/news/i-tried-the-ios-26-beta-these-5-features-make-my-iphone-feel-like-new-again. McAuliffe, Zachary. “Say Goodbye to Spam Calls With Call Screening in iOS 26.” CNET, cnet.com, 5 Aug. 2025, www.cnet.com/tech/services-and-software/say-goodbye-to-spam-calls-with-call-screening-in-ios-26/. New Instagram Features: “How to Repost a Reel or a Post on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/1059575985490156. Accessed 7 Aug. 2025. Gallaga, Omar. “Instagram Adds New Features, Including Reposts and Maps.” CNET.Com, CNET, 6 Aug. 2025, www.cnet.com/news/social-media/instagram-adds-new-features-including-reposts-and-maps/. Pathak, Khamosh. “Instagram’s Latest Update Added Reposts and a Snap Map Clone.” Lifehacker.Com, Lifehacker, 6 Aug. 2025, lifehacker.com/tech/instagram-added-reposts-and-snap-map-clone. Malik, Aisha. “Instagram Takes on Snapchat with New ‘Instagram Map.’” Techcrunch.Com, TechCrunch, 6 Aug. 2025, techcrunch.com/2025/08/06/instagram-takes-on-snapchat-with-new-instagram-map/. Heathera. “New Instagram Features to Help You Connect.” About.Fb.Com, Meta Newsroom, 6 Aug. 2025, about.fb.com/news/2025/08/new-instagram-features-help-you-connect/. 2025 MA Enrollment Stats & Trends: Ochieng, Nancy, et al. “Medicare Advantage in 2025: Enrollment Update and Key Trends.” KFF.Org, KFF, 28 July 2025, www.kff.org/medicare/issue-brief/medicare-advantage-enrollment-update-and-key-trends/. Resources: 5 Things About ICHRA 5 Things From the 2025 Budget Reconciliation Bill 2026 D-SNP Market Snapshot 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D How to Organize a Turning 65 Seminar on a Budget ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents The One Big Beautiful Bill: What Health Insurance Agents Should Know The Pros and Cons of Working with Regional and National Carriers 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/ 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.

Take your insurance agency to the next level with these business strategies and agent resources! Read the text version Take Your Business to the Next Level with Ritter Insurance Marketing Ritter & Integrity Resources: Events with Ritter LeadCENTER LifeCENTER Marketing & Incentives with Ritter MedicareCENTER Register with Integrity Ritter Insurance Marketing Registration Ritter Summits 2025 Registration The Ritter Platform Additional Episodes, Blog Posts, & eBooks: 3 Insurance Business Tools You Absolutely Can’t Live Without ASG Podcast Field Notes Series Best Practices for Training Downline Agents Developing an Agency – Your Guide to Getting Started FREE eBook Download How to Recruit Insurance Agents to Your Downline Keys to Client Retention: Face-to-Face Communication Ritter Can Help You Stay in Touch with Your Clients The Complete Guide on How to Sell Medicare Supplements FREE eBook Download The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook Download References: Herrity, Jennifer. “How to Write a Smart Goal (and How They Work) | Indeed.Com.” Indeed, https://www.indeed.com/career-advice/career-development/how-to-write-smart-goals. Accessed 8 July 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Ready to expand your business? It might be time to form an insurance agency. Not sure where to start? We’ve got your guide right here! Download a copy of Developing an Agency: Your Guide to Getting Started Partner with Ritter Insurance Marketing to Develop Your Insurance Agency 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.

Your business is growing, and you’ve got new agents excited to get out in the field! In this episode we’ve got tips and strategies for training downline agents. Read the text version Developing an Agency – Your Guide to Getting Started Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Ritter Blog: 4 Tips for Making a Better Insurance Sales Pitch How to Get Health and Life Insurance Continuing Education Credits as an Agent How to Recruit Insurance Agents to Your Downline The Best Books for Insurance Agents The Ritter Blog Tips for Becoming a Top Producing Insurance Agency What Are Insurance Hierarchies & How Do They Work? Podcast Episodes: Level Up: The Value of Sales Shadowing for New Insurance Agents Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo Should You Hire an Assistant for Your Insurance Business? The Agent Survival Guide Podcast Additional Resources: Events with Ritter Insurance Marketing FREE eBooks & Guides for Insurance Agents Integrity Tools & Resources Knight School Training for Agents MA & PDP Compliant Sales Checklist Meet Your Ritter Sales Team Ritter Docs Agencies Ritter Insurance Marketing on YouTube Ritter Summits References: “7 Types of Learning Styles and How to Teach Them.” Teachable, https://teachable.com/blog/types-of-learning-styles. Accessed 8 July 2025. Chen, Jessica. “10 Best Virtual Meeting Platforms & Software (Tried & Tested).” Teambuilding.Com, 12 Feb. 2025, https://teambuilding.com/blog/virtual-meeting-platforms. “40 Reflection Questions.” Edutopia, https://www.edutopia.org/pdfs/stw/edutopia-stw-replicatingPBL-21stCAcad-reflection-questions.pdf. Accessed 8 July 2025. Herrity, Jennifer. “Collaborative Learning: Center for Teaching Innovation.” Indeed, 26 Mar. 2025, https://www.indeed.com/career-advice/career-development/benefits-of-collaborative-learning. “Health Care Insurance Coverage for Self-Employed Individuals.” HealthCare.Gov, https://www.healthcare.gov/self-employed/. Accessed 8 July 2025. Pollick, Michael. “How Do Birds Learn How to Fly?” All Things Nature, All Things Nature, 4 June 2024, https://www.allthingsnature.org/how-do-birds-learn-how-to-fly.htm. “Independent Contractor (Self-Employed) or Employee?” Internal Revenue Service, https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee. Accessed 8 July 2025. Gutierrez, Karla. “Mind-Blowing Statistics Prove the Value of Employee Training - Shift E.” Shift Learning, https://www.shiftelearning.com/blog/statistics-value-of-employee-training-and-development. Accessed 8 July 2025. Ayoola, Elizabeth. “Self-Employed Retirement Plans: Know Your Options.” NerdWallet, 3 Jan. 2025, https://www.nerdwallet.com/article/investing/retirement-plans-self-employed. Colin Burton. “The 5 Most Effective Teaching Styles, and How to Adapt Your Style.” THINKFIC, 7 Oct. 2024, https://www.thinkific.com/blog/teaching-styles/. Chapman, Tom. “Top 10: Supply Chain Management Platforms.” Supply Chain Magazine, Bizclik Media Ltd, 5 June 2024, https://supplychaindigital.com/digital-supply-chain/top-10-supply-chain-management-platforms. Gellerman, Erica. “The Complete Guide to Independent Contractor Taxes.” NerdWallet, https://www.nerdwallet.com/article/small-business/independent-contractor-tax-guide. Accessed 8 July 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.

We dive into the Affordable Care Act enrollment periods and how to help your clients navigate them! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: ACA Basics - Knight School Training Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Register with Ritter Insurance Marketing The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download The Pros and Cons of Selling Insurance What is the Health Insurance Marketplace? References: “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid, 20 June 2025, https://www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. “Cost Changes for Pennie Enrollees Coming in 2026.” Pennie, https://pennie.com/costs/. Accessed 2 July 2025. “Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 2 July 2025. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federal Register, https://www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 2 July 2025. “When Can You Get Health Insurance?” HealthCare.Gov, https://www.healthcare.gov/quick-guide/dates-and-deadlines/. Accessed 2 July 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.

Ready to recruit? Don't miss our episode with tips on where to find applicants, training resources, and more! Read the text version Resources: Before You Recruit: Setting Up Your Agency for Success Developing an Agency - Your Guide to Getting Started FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference? Learn More About PlanEnroll Find Your Agency Specialist Tech Takeaways for Forward-Thinking Insurance Agents PlanEnroll Official Site Register with Ritter Insurance Marketing References: Falk, Stefan. “8 Signs You’re an Ambivert—They’re ‘Underrated’ and ‘More Successful’ than Introverts or Extroverts: Psychology Expert.” Cnbc.Com, CNBC, 21 Feb. 2025, www.cnbc.com/2025/02/21/psychology-expert-signs-youre-an-ambivert-why-theyre-more-successful-than-introverts-and-extroverts.html. “The True Cost of a Bad Hire-and How to Avoid Making One.” Forbes.Com, Forbes Magazine, 30 June 2025, www.forbes.com/sites/allbusiness/2025/06/30/the-true-cost-of-a-bad-hire-and-how-to-avoid-making-one/. “Monthly Labor Review Projection Overview and Highlights 2020-30.” Bls.Gov, U.S. Bureau of Labor Statistics, www.bls.gov/opub/mlr/2021/article/projections-overview-and-highlights-2020-30.htm#_ednref1. Accessed 18 July 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Feel like you’re working past your capacity? It may be time to hire an assistant for your insurance business! Read the text version Learn more about Ask Integrity Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Ask Integrity FREE eBook Download – The Complete Guide to Client Loyalty and Retention From Chill Mode to Growth Mode ft. Christian Brindle How Ask Integrity Can Streamline Your Medicare Sales Appointments How to Recruit Insurance Agents to Your Downline Register with Ritter Insurance Marketing The Ritter Platform Websites for Freelancers: Fiverr LinkedIn Service Marketplace Upwork References: Basu, Tyler. “How to Hire a Virtual Assistant: Entrepreneur’s Guide to Outsourcing.” THINKIFIC, https://www.thinkific.com/blog/hire-a-virtual-assistant-outsourcing-guide/. Accessed 25 June 2025. “When Do You and Your Business Need an Executive Assistant?” Indeed.Com, https://www.indeed.com/hire/c/info/when-do-you-and-your-business-need-an-executive-assistant. Accessed 25 June 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.

D-SNP integration changes are about to hit year 2 in 2026. What does that mean for the market? Lincoln Lafayette and Anthony Budhar join Sarah to chat about the D-SNP market in 2026 and the opportunities for agents selling dual-eligible special needs plans. 🤝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. Connect with Lincoln & Anthony: 📧Reach out to Lincoln Lafayette Lincoln on LinkedIn 📧Reach out to Anthony Budhar Anthony on LinkedIn Resources: Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans Midwest State D-SNP Disruption The Benefits of Selling D-SNPs The Complete Guide on How to Sell D-SNPs The Midwest D-SNP Market Shifts to Integrated Plans for 2026 — Will You? References: “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Number of Dual-Eligible Individuals.” KFF.Org, KFF, 7 May 2025, www.kff.org/other/state-indicator/number-of-dual-eligible-individuals/?currentTimeframe=4&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D. Pena, Maria T., et al. “The Landscape of Medicare and Medicaid Coverage Arrangements for Dual-Eligible Individuals Across States.” KFF.Org, KFF, 24 Oct. 2024, www.kff.org/medicare/issue-brief/the-landscape-of-medicare-and-medicaid-coverage-arrangements-for-dual-eligible-individuals-across-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/ 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.

This week's Friday Five is a mini-explainer on ICHRA: the Individual Coverage Health Reimbursement Arrangement. Learn more about this type of coverage and partnership opportunities for Ritter Insurance Marketing agents to offer it. Have questions about ICHRA or QSEHRA? Send them our way by email [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things From the 2025 Budget Reconciliation Bill 2026 Midwest D-SNP Market Opportunity Community Engagement & ACA Marketing Suggestions Field Notes on Partner Marketing Resources How an ICHRA Partnership Can Support ACA Sales ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover What is the Health Insurance Marketplace? References: “6 Reasons to Appreciate All That ICHRAs Have to Offer.” Nexben.Com, Nexben, 24 June 2025, www.nexben.com/blog/6-reasons-to-appreciate-all-that-ichras-have-to-offer. “A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexxben.Com, Nexben, 17 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples. Charaba, Chase. “A Look at the Growth of ICHRA.” Remodelhealth.Com, Remodel Health, 21 May 2025, remodelhealth.com/a-look-at-the-growth-of-ichra/. “Defining ICHRA Classes.” ICHRA.Com, ICHRA, 7 Apr. 2025, ichra.com/ichra-and-employee-classes/. Olsen, Emily. “Employer Healthcare Costs Projected to Rise 9% in 2025: AON.” Healthcaredive.Com, Healthcare Dive, 19 Aug. 2024, www.healthcaredive.com/news/employer-healthcare-costs-increase-2025-aon/724505/. “Growth Trends for ICHRA & QSEHRA Volume 4: 2024-2025.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/FINAL%20-%202025%20HRAC%20Data%20Report.pdf. “HRA Council.” Hracouncil.Org, HRA Council, www.hracouncil.org/. Accessed 22 July 2025. “ICHRA Guide for Individual Coverage HRAs 2025.” Takecommandhealth.Com, TakeCommand Health, 10 June 2025, www.takecommandhealth.com/ichra-guide. Cattanach, Jamie. “ICHRAs Are on the Rise. Here’s What You Need to Know about This New Coverage Option.” Valuepenguin.Com, ValuePenguin, 24 June 2025, www.valuepenguin.com/news/ichra-increasing-in-popularity. “Individual Coverage HRA (ICHRA) Basics for ACA Agents.” Healthsherpa.Com, HealthSherpa, blog.healthsherpa.com/agents/agent-ichra/. Accessed 21 July 2025. “New: 2025 HRA Council Data Report.” Hracouncil.Org, HRA Council, www.hracouncil.org/report. Accessed 22 July 2025. “New Data Shows Continued Expansion of Health Reimbursement Arrangements: Latest HRA Council ICHRA & QSEHRA Report.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/2025%20HRA%20Council%20Data%20Report%20News%20Release.pdf. “The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers. 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.

Not enough hours in the day? ✋🏼 We've been there! In this episode, we explore problems that can be a time-suck for insurance agents. Our list of solutions could change the game for your business! Read the text version Free Downloads: Months of Medicare Sales Planner The Busy ACA Agent’s Sale Calendar Resources: 5 Things From the 2025 Budget Reconciliation Bill Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources Get Focused with These Apps Register with Ritter Insurance Marketing Ritter Docs Send your questions to the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo The Ultimate Agent Resource List Pt. 1: Market Yourself The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients The Ultimate Agent Resource List Pt. 3: Staying Organized Productivity Solution Websites: ABBYY FineReader PDF Acuity Scheduling Adobe Acrobat Adobe Scan Asana Basecamp Box Cold Turkey Document360 Docusign Dropbox Dropbox Paper Dropbox Sign eSignatures FocusMe Freedom Google Calendar Google Drive Google Tasks Great AEP Microsoft Bookings Microsoft Lens: Apple | Google Microsoft Sharepoint Microsoft To Do Monday.com Office Depot Shredding OnceHub RescueTime Sharefile SignNow SimplyBook.me Staples Shredding Services SwiftScan Things TickTick Todoist Trello UPS Wrike Zoho Workdrive 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 July 18, 2025: Update on Regulation Banning Medical Debt from Credit Reporting Google Announces NotebookLM Featured Notebooks This week in Apple Rumors Threads Usage Up, Meta Testing Facebook Login 2026 Midwest D-SNP Market Opportunity Get Connected: 🤝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. Update on Regulation Banning Medical Debt from Credit Reporting: Wise, Alana. “Americans’ Medical Debt Can Stay in Credit Reports, Judge Rules. What Does That Mean?” NPR.Org, NPR, 15 July 2025, www.npr.org/2025/07/15/nx-s1-5468438/medical-debt-credit-reports-ruling. “Can Medical Collection Debt Impact Credit Scores?” Equifax.Com, Equifax, www.equifax.com/personal/education/credit/score/articles/-/learn/can-medical-debt-impact-credit-scores/. Accessed 16 July 2025. Picchi, Aimee. “Federal Judge Reverses a CFPB Rule to Strip Medical Debt from Credit Reports. Here’s What It Means.” Cbsnews.Com, CBS, 15 July 2025, www.cbsnews.com/news/federal-judge-reverses-medical-debt-rule-credit-reports-cfpb/. Morga, Adriana, and Cora Lewis. “Federal Judge Reverses Rule That Would Have Removed Medical Debt from Credit Reports.” Apnews.Com, AP News, 15 July 2025, apnews.com/article/cfpb-medical-debt-credit-reports-41f212ee6b89f9902deb267d75ab8443. Axelton, Karen. “How Does Medical Debt Affect Your Credit Score?” Experian.Com, Experian, 7 Feb. 2025, www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/. “How Does Medical Debt Appear on My Credit Report?” Transunion.Com, Transunion, www.transunion.com/credit-disputes/credit-collections. Accessed 16 July 2025. Muoio, Dave. “Judge Grants CFPB, Trade Groups’ Request to Toss Biden-Era Medical Debt Rule.” Fiercehealthcare.Com, Fierce Healthcare, 14 July 2025, www.fiercehealthcare.com/regulatory/judge-grants-cfpb-trade-groups-request-toss-biden-era-medical-debt-rule. Google Announces NotebookLM Featured Notebooks: McHugh-Johnson, Molly. “8 Expert Tips for Getting Started with NotebookLM.” Blog.Google.Com, Google, 18 Oct. 2024, blog.google/technology/ai/notebooklm-beginner-tips/. Roth, Emma. “Google’s Curated AI ‘Notebooks’ Talk You through Topics from Parenting to Shakespeare.” Theverge.Com, The Verge, 14 July 2025, www.theverge.com/news/706854/google-notebooklm-featured-notebook-ai-topics. Perez, Sarah. “NotebookLM Adds Featured Notebooks from The Economist, The Atlantic, and Others.” Techcrunch.Com, TechCrunch, 14 July 2025, techcrunch.com/2025/07/14/notebooklm-adds-featured-notebooks-from-the-economist-the-atlantic-and-others/. Johnson, Steven. “Try Featured Notebooks on Selected Topics in NotebookLM.” Blog.Google.Com, Google, 14 July 2025, blog.google/technology/google-labs/notebooklm-featured-notebooks/. This week in Apple Rumors: Rossignol, Joe. “All 15 New iPhone 17 and iPhone 17 Pro Colors Revealed in Latest Leak.” MacRumors.Com, MacRumors, 16 July 2025, www.macrumors.com/2025/07/16/all-new-iphone-17-and-17-pro-colors-leaked/. Christoffel, Ryan. “IOS 26 Public Beta Rumored to Launch next Week.” 9to5Mac.Com, 9to5Mac, 15 July 2025, 9to5mac.com/2025/07/15/ios-26-public-beta-rumored-to-launch-next-week/. Threads Usage Up, Meta Testing Facebook Login: “Global Social Media Statistics.” Datareportal.Com, DataReportal, Apr. 2025, datareportal.com/social-media-users. Campbell, Ian Carlos. “Threads Is Testing Facebook Account Sign-Ups.” Engadget.Com, Engadget, 16 July 2025, www.engadget.com/social-media/threads-is-testing-facebook-account-sign-ups-191214734.html. Perez, Sarah. “Threads Is Nearing X’s Daily App Users, New Data Shows.” Techcrunch.Com, TechCrunch, 7 July 2025, techcrunch.com/2025/07/07/threads-is-nearing-xs-daily-app-users-new-data-shows/. Hutchinson, Andrew. “Threads Tests Option To Sign up for an Account Using Facebook.” Socialmediatoday.Com, Social Media Today, 15 July 2025, www.socialmediatoday.com/news/threads-tests-sign-up-using-facebook-profile-instead-of-instagram/753156/. 2026 Midwest D-SNP Market Opportunity: Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans Event Registration: Strategically Increasing Your Market Share with D-SNPs Midwest State D-SNP Disruption The Benefits of Selling D-SNPs The Midwest D-SNP Market Shifts to Integrated Plans for 2026 — Will You? Resources: 5 Things From the 2025 Budget Reconciliation Bill Field Notes on Digital Marketing Resources Field Notes on Partner Marketing Resources Field Notes on Traditional Marketing Resources Takeaways from Apple WWDC 2025 The Complete Guide on How to Sell D-SNPs 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/Ritt

Are you just starting out in the insurance industry and aren’t sure what path is right for you? In this episode we break down the pros and cons of becoming a captive or independent agent. Work with Ritter Insurance Marketing Resources: 3 Advantages of Being an Independent Insurance Agent 10 Essential Tools for Beginner Insurance Agents AHIP Test Tips and Tricks for Medicare Certification FAQs About AHIP FAQs About NABIP Medicare Certification FREE eBook Download - The Guide to Earning a Living Selling Health Insurance FREE eBook Download – How Insurance FMOs Work LeadCENTER Learn More About PlanEnroll Licensing Requirements for Becoming a Health Insurance Agent MedicareCENTER References: Kagan, Julia. “Captive Agent: What It Is, How It Works, Pros and Cons.” Investopedia, Investopedia, https://www.investopedia.com/terms/c/captive-agent.asp. Accessed 19 June 2025. Rosanes, Mark. “How Do Insurance Agents Make Money?” Insurance Business America, Insurance Business, 13 July 2023, https://www.insurancebusinessmag.com/us/guides/how-do-insurance-agents-make-money-452548.aspx Tuovila, Alicia. “Independent Agent: What It Is and What They Do.” Investopedia, Investopedia, https://www.investopedia.com/terms/i/independent-agent.asp. Accessed 19 June 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Don’t miss the ASG Podcast cheat sheet on keeping in touch with client the old-fashioned way – through mail. 💌 We’ve got resources, tips, strategies, and more! Read the text version Mail Communication Resources: Canva Lead Concepts Lunacy Microsoft Designer MOO Office Depot ReminderMedia Staples Vistaprint Ritter Resources: Agent Compliance Handbook Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources How to Successfully Set SMART Goals Interview: Relationship Marketing Strategies for Insurance Agents Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo ShopRitterIM The Ultimate Agent Resource List Pt. 1: Market Yourself The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients The Ultimate Agent Resource List Pt. 3: Staying Organized Register with Ritter Insurance Marketing REWIND: 8 Relationship Marketing Strategies for Insurance Agents Ritter & ReminderMedia Partnership Offers Agents New Marketing Solutions References: “Direct Mail Marketing Campaigns.” Lead Concepts, Lead Concepts, 1 May 2024, www.leadconcepts.com/direct-mail/. “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, Canva, www.canva.com/. Accessed 7 July 2025 “Have You Thought about Postcards?” Custom Online Business Printing & Design | MOO US, MOO, www.moo.com/us/. Accessed 7 July 2025. “Lunacy – Free Design Software for WIN, Mac, Linux.” Lunacy – Free Design Software for Win, Mac, Linux, Lunacy, www.icons8.com/lunacy. Accessed 7 July 2025. “Medicare Marketing Guidelines.” CMS.Gov, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 7 July 2025. “Microsoft Designer - Stunning Designs in a Flash.” Microsoft Designer - Stunning Designs in a Flash, Microsoft, www.designer.microsoft.com/. Accessed 7 July 2025. “ReminderMedia Postcard Campaigs.” ReminderMedia.Com, ReminderMedia, 14 Aug. 2024, remindermedia.com/postcard/. Plummer, Michael. “Council Post: Three Reasons Mailers Aren’t Dead in 2022.” Forbes, Forbes Magazine, 15 July 2022, www.forbes.com/sites/forbestechcouncil/2022/07/14/three-reasons-mailers-arent-dead-in-2022/. “Printing & Marketing Services.” Staples.Com, Staples, www.staples.com/services/printing/. Accessed 7 July 2025. “Print & Copy Services: Office Depot.” Officedepot.com, Office Depot, www.officedepot.com/l/print-and-copy/print-services. Accessed 7 July 2025. “VistaPrint.” VistaPrint Official Website: Online Printing Services, VistaPrint, www.vistaprint.com/. Accessed 7 July 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Ready for a better commission tracking solution? Don’t miss our episode featuring suggestions on tracking your hard-earned commissions. Register for your FREE RitterIM.com Account Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: AHIP Test Tips and Tricks for Medicare Certification Building the Foundation for Success ft. Roy Snarr Four Reasons Why Ritter Should Be Your FMO Insurance Agency How to Avoid Using Elderspeak Operating From a People-First Mentality ft. Scott Zimmerman The Best Appointment Schedulers for Insurance Agents The Difference Between Medicare & Medicaid: What That Means for Insurance Agents The Ultimate Agent Resource List Pt. 3: Staying Organized What Are Agents Responsible for Under HIPAA? References: “Agencybloc Commissions Management.” Agencybloc.Com, AgencyBloc, www.agencybloc.com/commissions-management/. Accessed 10 June 2025. “AgencyComp Commissions Tracker.” Agencycomp.Com, AgencyComp, agencycomp.com/. Accessed 10 June 2025. “Commissionly Sales Commission Software.” Commissionly.Io, Commissionly, www.commissionly.io/. Accessed 10 June 2025. “Excel Help & Learning.” Support.Microsoft.Com, Microsoft Support, support.microsoft.com/en-us/excel. Accessed 23 June 2025. “Excel Quick and Simple Charts Tutorial.” YouTube.Com, YouTube, www.youtube.com/watch?v=TfkNkrKMF5c. Accessed 23 June 2025. “How to Create a Chart in Microsoft Excel: Step-by-Step Guide.” wikiHow.Com, wikiHow, 31 Dec. 2024, www.wikihow.com/Create-a-Graph-in-Excel. “How to Create Excel Charts and Graphs.” Blog.Hubspot.Com, HubSpot Blog, blog.hubspot.com/marketing/how-to-build-excel-graph. Accessed 23 June 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 23 June 2025. “Medicare PRO CRM.” Medicareproapp.Com, Medicare PRO, www.medicareproapp.com/. Accessed 10 June 2025. “Radius Agency Management System.” Radiusbob.Com, Radius, www.radiusbob.com/. Accessed 10 June 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 week’s Friday Five, Sarah gives her first impressions on what agents need to know about the 2025 Budget Reconciliation Bill. Learn more about what’s changed for Medicare, Medicaid, ACA, and more! Get Connected: 🤝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. Resources: 2025 ACA Marketplace Integrity & Affordability Final Rule Takeaways 2026 Medicare Advantage and Part D Certification Info Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Summer 2025 Survival Guide References: Konish, Lorie. “‘Big Beautiful Bill’ May Help Some Seniors on Social Security. But It Doesn’t Eliminate Taxes on Benefits.” CNBC.Com, CNBC, 8 July 2025, www.cnbc.com/2025/07/07/why-big-beautiful-bill-doesnt-end-taxes-on-social-security-benefits.html. “Health Provisions in the 2025 Federal Budget Reconciliation Bill.” KFF.Org, KFF, 5 July 2025, www.kff.org/tracking-the-medicaid-provisions-in-the-2025-budget-bill/. Published: Nov 21, 2024. “How Much More Would People Pay in Premiums If the ACA’s Enhanced Subsidies Expired?” KFF, KFF.org, 15 Apr. 2025, www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/. Ortaliza, Jared, et al. “How Will the One Big Beautiful Bill Act Affect the ACA, Medicaid, and the Uninsured Rate?” KFF.Org, KFF, 18 June 2025, www.kff.org/policy-watch/how-will-the-2025-budget-reconciliation-affect-the-aca-medicaid-and-the-uninsured-rate/. “One Big Beautiful Bill Act.” Congress.Gov, Congress, www.congress.gov/bill/119th-congress/house-bill/1/text. Accessed 9 July 2025. “‘One Big Beautiful Bill Act’ Tax Policies: Details and Analysis.” Taxfoundation.Org, Tax Foundation, 7 July 2025, taxfoundation.org/research/all/federal/big-beautiful-bill-senate-gop-tax-plan/. Muoio, Dave. “Trump Signs Big Tax and Spending Bill into Law as Industry Groups Decry Healthcare Cuts.” Fiercehealthcare.Com, Fierce Healthcare, 6 July 2025, www.fiercehealthcare.com/providers/house-votes-218-214-send-reconciliation-bill-trumps-desk. 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.

Partnerships can be a powerful growth strategy for your business. Learn more about marketing your business through collaboration and community involvement. 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 Insurance Marketing Tips to Help Agents Stand Out from the Crowd 5 Things to Consider When Creating Your Personal Brand Community-Based Marketing for Insurance Agents Community Engagement & ACA Marketing Suggestions for Agents How Relationship Marketing Can Make the Difference in Your Agency Modern Medicare Marketing for Today's Agents Operating From a People-First Mentality ft. Scott Zimmerman Ready to partner with an FMO? Register with Ritter Insurance Marketing! The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships References: “Affinity Marketing: The Art of Building Connections.” Mailchimp.Com, Intuit, mailchimp.com/resources/affinity-marketing/. Accessed 10 June 2025. “Complementary Business Definition.” Lawinsider.Com, Law Insider, www.lawinsider.com/dictionary/complementary-business. Accessed 10 June 2025. “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-P).” CMS.Gov, CMS, 26 Nov. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription. “Medicare Marketing Guidelines.” CMS.Gov, CMS, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 June 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.

We’ve got the breakdown of all the Medicare and Medicare Advantage enrollment periods that beginner agents need to know. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 10 Essential Tools for Beginner Insurance Agents: https://ritterim.com/blog/10-essential-tools-for-beginner-insurance-agents/ Apps for Comparing Healthcare & Prescriptions: https://lnk.to/ASGA85 Medicare Advantage Open Enrollment Do’s and Don’ts: https://ritterim.com/blog/medicare-advantage-open-enrollment-dos-and-donts/ Self-Guided Training with Knight School: https://ritterim.com/knight-school/ The Difference Between Medicare & Medicaid: https://lnk.to/ASGAE01 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: Franchina, Chris. “AEP vs. OEP: Understanding the Differences for Medicare.” Policy Engineer, 11 Jan. 2025, https://policyengineer.com/aep-vs-oep-understanding-the-differences-for-medicare/. “Get Ready to Buy.” Medicare.Gov, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 17 June 2025. “Joining a Plan.” Medicare, “Joining a Plan.” Medicare, www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan. Accessed 10 June 2025. Worstell, Christian. “Medicare AEP vs. OEP: Know Your Enrollment Periods.” Medicare AEP vs. OEP | How to Enroll or Change Your Medicare Plan | MedicareAdvantage.Com, MedicareAdvantage.com, 18 Mar. 2025, https://www.medicareadvantage.com/enrollment/medicare-aep-vs-oep. “Medicare Open Enrollment.” CMS.Gov, https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources. Accessed 10 June 2025. “Medicare Open Enrollment Fact Sheet 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/2024-medicare-open-enrollment-fact-sheet.pdf. Accessed 10 June 2025. “Special Enrollment Periods.” Medicare, Medicare.gov, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods. Accessed 10 June 2025. “What Is the Medicare Annual Enrollment Period? | News & Articles | UnitedHealthcare.” UHC.Com, UnitedHealthcare, https://www.uhc.com/news-articles/medicare-articles/what-is-the-medicare-annual-enrollment-period. Accessed 10 June 2025. “What If I Missed My Initial Enrollment Period? | News & Articles | UnitedHealthcare.” UHC.Com, UnitedHealthcare, https://www.uhc.com/news-articles/medicare-articles/what-if-i-missed-my-initial-enrollment-period. Accessed 10 June 2025. “What Is the Medicare General Enrollment Period?” NOCA.Org, National Counsel of Aging, https://www.ncoa.org/article/a-closer-look-at-the-medicare-general-enrollment-period/. Accessed 10 June 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.

Take your business into the modern world of digital marketing. We’ve compiled the ultimate guide to getting started, tips, resources, and more! Read the text version Register with Ritter Insurance Marketing Full-Service Digital Marketing Services: $99 Social ConciergeBee Disruptive Advertising Firebelly MarketingHubstaff Talent Ignite Visibility KlientBoostLinkedIn Lyfe Marketing ReminderMedia SEO DiscoveryUpwork Self-Service Digital Marketing Options: Buffer Constant Contact GoDaddy Google Ads HostGator HubSpot MailChimp Semrush SEO Meta in 1 Click Social Bee Squarespace Wix Resources: 3 Insurance Business Tools You Absolutely Can’t Live Without Ritter Insurance Marketing Agent Compliance Handbook How to Market Yourself Online Webinar Field Notes on Traditional Marketing Integrity Tools Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Introducing The Content Library for Health Insurance Agents Modern Medicare Marketing for Today’s Agents FREE eBook Download PlanEnroll Ritter’s Content Library Ritter Insurance Marketing Registration Form Social Media Marketing for Insurance Agents FREE eBook Download The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients References: Kumar, Naveen. “167 Digital Marketing Statistics 2025 [Facts & Growth].” DemandSage, 4 Mar. 2025, https://www.demandsage.com/digital-marketing-statistics/. “Digital Marketing: Everything You Need to Know to Get It Right.” HubSpot Blog, https://blog.hubspot.com/marketing/what-is-digital-marketing. Accessed 16 June 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 16 June 2025. Nguyen, Stephanie T. “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 24 Jan. 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business/ . “Subpart V—Medicare Advantage Communication Requirements.” Code of Federal Regulations, eCFR.gov, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 16 June 2025. “Writing Alt Text for Infographics: Quick Tips.” WCAG Audits, ADA Accessibility Audits & Section 508 Audits, Bureau of Internet Accessibility, 7 Nov. 2023, https://www.boia.org/blog/writing-alt-text-for-infographics-quick-tips. 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.

Learn how to promote your insurance business with traditional marketing strategies. We cover what agents should know: marketing materials, use cases, and where to find resources! Partner Resources: AllOver Media Lead Concepts LeadingResponse ReminderMedia Branded Magazine Info Ritter Agents working with ReminderMedia Design Resources: 99Designs Fiverr Freelancer Upwork Print Resources: 4imprint Carvertise FASTSIGNS Lead Concepts MOO Office Depot Printing Services Printful Staples Print & Marketing Services Sticker Mule Vistaprint Wrapify Ritter Resources: 8 Relationship Marketing Strategies for Insurance Agents featuring ReminderMedia’s Luke Acree and Andrew Saksa Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent Integrity Official Site Integrity Tools LeadCENTER MedicareCENTER MedicareCENTER FAQs PlanEnroll FAQs Read The Ultimate Agent Resource List Part 1 Register with Ritter Insurance Marketing ShopRitterIM 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.

In this episode of Agent Essentials, we’re covering the definition of the Health Insurance Marketplace! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. The Complete Guide to Selling Affordable Care Act Insurance Plans Resources: FREE DOWNLOAD – The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/ How Much Can Agents Make Selling Under-65 Insurance: https://lnk.to/TlGBGH Meet Your Ritter Sales Team: https://ritterim.com/meet-your-sales-team/ Under-65 Health Products: https://ritterim.com/products/under-65/ State Based Marketplaces: “Covered California: The Official Site of California’s Health Insurance Marketplace.” Covered California, https://www.coveredca.com/. Accessed 12 June 2025. “Colorado’s Official Health Insurance Marketplace.” Connect for Health Colorado, 27 May 2025, https://connectforhealthco.com/. Accessed 12 June 2025. Access Health CT, https://www.accesshealthct.com/. Accessed 12 June 2025. “Welcome to DC Health Link | DC Health Link.” DC Health Link, https://www.dchealthlink.com/. Accessed 12 June 2025. “Find Affordable Health Insurance in Georgia.” Georgia Access, 23 Jan. 2025, https://georgiaaccess.gov/. Accessed 12 June 2025. “Your Health Idaho " Idaho’s Official Health Insurance Marketplace.” Your Health Idaho " Idaho’s Official Health Insurance Marketplace, 23 May 2025, https://www.yourhealthidaho.org/. Accessed 12 June 2025. “A Healthier, Happier Kentucky Starts Here.” Kynect, https://kynect.ky.gov/healthcoverage/s/?language=en_US. Accessed 12 June 2025. “Home.” Maryland Health Connection, 11 June 2025, https://www.marylandhealthconnection.gov/. “Welcome to the Massachusetts Health Connector.” MA Health Connector, https://www.mahealthconnector.org/. Accessed 12 June 2025. “A Plan That Fits. A Price That Works.” Home | CoverME.Gov, https://www.coverme.gov/. Accessed 12 June 2025. “MNsure Home.” MNsure, https://www.mnsure.org/. Accessed 12 June 2025. “Looking to Enroll in Health Insurance?” Nevada Health Link - Official Website, https://www.nevadahealthlink.com/. Accessed 12 June 2025. “GetCoveredNJ.” WWW.nj.gov, https://nj.gov/getcoverednj/. Accessed 12 June 2025. “BeWellnm - Your Health Insurance Marketplace in New Mexico.” BeWellnm, https://bewellnm.com/. Accessed 12 June 2025. “NY State of Health, the Official Health Plan Marketplace.” Ny.gov, 2013, https://nystateofhealth.ny.gov/. ‌Home | Pennie. https://pennie.com/. Accessed 12 June 2025. ‌“Home.” HealthSource RI, https://healthsourceri.com/. Accessed 12 June 2025. ‌“VHC Landing Page.” Vermont.gov, 2020, https://portal.healthconnect.vermont.gov/VTHBELand/welcome.action. Accessed 12 June 2025. ‌“Home Page | Virginia’s Insurance Marketplace.” Www.marketplace.virginia.gov, https://www.marketplace.virginia.gov/. Accessed 12 June 2025. ‌“Home | Washington Healthplanfinder.” Wahealthplanfinder.org, 2018, https://www.wahealthplanfinder.org/. Accessed 12 June 2025. ‌“English (United States) Home.” Illinois.gov, 2020, https://getcovered.illinois.gov/. ‌ References: “ACA Health Insurance Plans & Coverage: Aetna CVS Health.” Aetna CVS Health, https://www.aetnacvshealth.com/. Accessed 12 June 2025. “Fast, Easy ACA Enrollment.” HealthSherpa, https://www.healthsherpa.com/agents/features. Accessed 12 June 2025. “Individual & Family ACA Marketplace Plans | Individuals & Families | UnitedHealthcare.” UHC, UnitedHealthcare, https://www.uhc.com/individuals-families/aca-marketplace. Accessed 12 June 2025. “The Marketplace in Your State.” HealthCare.Gov, https://www.healthcare.gov/marketplace-in-your-state/. Accessed 3 June 2025. “State Health Insurance Marketplace Types.” KFF, 29 May 2025, https://www.kff.org/affordable-care-act/state-indicator/state-health-insurance-marketplace-types/. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 3 June 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.

Ever thought about incorporating your insurance business? Not sure if it’s the right move? In this episode, Sarah is joined by attorneys Frank Lavery and Justin Abodalo to learn more about business entities and how they’re structured. Frank focuses on the corporate law side, while Justin specializes in tax implications. Listen as theyir share their knowledge and weigh the pros and cons of each business structure option. Find Frank Lavery Online: LinkedIn: https://www.linkedin.com/in/frank-lavery-a05a57255/ McNees: https://www.mcneeslaw.com/people/frank-lavery/ Find Justin Abodalo Online: LinkedIn: https://www.linkedin.com/in/justin-abodalo-463b3547/ McNees: https://www.mcneeslaw.com/people/justin-abodalo/ References: Finnerty, Timothy, et al. “Closing Call for the Corporate Transparency Act: Fincen Removes Reporting Requirements for Domestic Business Entities.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 27 Mar. 2025, www.mcneeslaw.com/closing-call-corporate-transparency-act-fincen/. Abodalo, Justin. “New Digital World, New Category of Form 1099.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 2 Oct. 2024, www.mcneeslaw.com/new-digital-world-form-1099/. “Tax and Corporate Law Publications.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 30 Apr. 2025, www.mcneeslaw.com/practice/corporate-tax/. Resources: Building the Foundation for Success ft. Roy Snarr: https://lnk.to/snarr2025 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Register with Ritter Insurance Marketing 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.

Is business growth on your 2025 goals list? Don't miss this episode! We outline features and drawbacks of the different carrier types to help you fill in portfolio gaps. Read the text version Request your Free Portfolio Review from the team at Ritter Resources: Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025 Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651 Learn more about Integrity Tools: https://ritterim.com/integrity-tools/ Meet the Ritter Sales Team: https://ritterim.com/meet-your-sales-team/ Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Portfolio Review Request: https://ritterim.com/portfolio/?utm_source=asg_podcast_link Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/?utm_source=asg_podcast_link Ritter Insurance Marketing Carriers by State: https://ritterim.com/products/by-carrier/ Ritter Platform: https://app.ritterim.com/ Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523 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.

Join Sarah for a rundown of this week’s updates for insurance agents, featuring her deep dive into the CMS 2025 ACA Marketplace Integrity and Affordability Final Rule. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Connect With 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/ Resources: 5 Things About the Insurance License Exam, 1 Year Later Are You Self-Sabotaging Your Insurance Sales Success? Four Reasons Why Ritter Should Be Your FMO Insurance Agency How to Build Intentional Value ft. Neil Reich Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Register with RitterIM.com Seven Figures or Bust Episode 79 - What Is CMS Doing? w/ Special Guest Sarah Rueppel! Summer 2025 Survival Guide References: “2025 Marketplace Integrity and Affordability Final Rule.” CMS.Gov, CMS, 20 June 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-final-rule. “2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare and Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule. “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 20 June 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. Minemyer, Paige. “CMS Finalizes Rule Aimed at ‘improper’ Sign-Ups on the ACA Exchanges.” Fiercehealthcare.Com, Fierce Healthcare, 20 June 2025, www.fiercehealthcare.com/regulatory/cms-finalizes-rule-aimed-improper-sign-ups-aca-exchanges. Minemyer, Paige. “Democrats Introduce Bill to Establish a Medicare ‘part E’ Public Option.” Fiercehealthcare.Com, Fierce Healthcare, 16 June 2025, www.fiercehealthcare.com/regulatory/democrats-introduce-bill-establish-medicare-part-e-public-option. Mercado, Darla. “Fed Decision Recap: Central Bank Signals Stagflation Fears, Powell Says Fed ‘Well Positioned to Wait’ on Rates.” CNBC.Com, CNBC, 18 June 2025, www.cnbc.com/2025/06/18/fed-meeting-live-updates-feds-interest-rate-projections-loom.html. “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, Department of Health & Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Minemyer, Paige. “Mehmet Oz: Insurers’ Prior Auth Pledge ‘an Opportunity for the Industry to Show Itself.’” Fiercehealthcare.Com, Fierce Healthcare, 23 June 2025, www.fiercehealthcare.com/regulatory/oz-insurers-prior-auth-pledge-opportunity-industry-show-itself. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 25 June 2025. Schneider, Howard. “Powell Repeats Rate Cuts Can Wait as Fed Studies Tariff Impacts.” Reuters.Com, Reuters, 24 June 2025, www.reuters.com/business/powell-repeats-rate-cuts-can-wait-fed-studies-tariff-impacts-2025-06-24/. Simmons-Duffin, Selena. “RFK Jr. and Dr. Oz Say Health Insurers Will Cut Red Tape on ‘Prior Authorizations.’” NPR.Org, NPR, 24 June 2025, www.npr.org/sections/shots-health-news/2025/06/24/nx-s1-5442713/rfk-jr-dr-oz-health-insurance-prior-authorization. Not affiliated with or endorsed by Medicare or any government agency.

This just in: CMS 2026 maximum broker commissions for Medicare Advantage and Medicare Part D. Listen to learn more about commission structure and the caps writing MA and PDP business in your market for the upcoming 2026 plan year. Read the text version Resources: AHIP 2026 Certification Dates: https://lnk.to/asgf20250516 Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/ How to Avoid Using Elderspeak: https://lnk.to/asgf20250530 Reach out to the team at Ritter Insurance Marketing: https://ritterim.com/meet-your-sales-team/ Reassuring Your Clients During Difficult Times: https://lnk.to/asg671 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: “2026 Medicare Advantage and Part D Rate Announcement.” CMS.Gov, CMS, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement. Agent Broker Compensation and Training and Testing Requirements CY2026: https://ritterim.com/documents/cms-memos/memo-agent-broker-compensation-and-training-and-testing-requirements-cy2026.pdf 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.

Join Sarah and Tina as they review frequently asked questions about NABIP Medicare Certification. Don’t miss out on resources to help you get ready-to-sell! Read the text version NABIP Official Website: https://www.nabiptraining.org/ Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://lnk.to/cdV0H1 Making Your Own Luck ft. Michael Krantz: https://lnk.to/krantz2025 Survive AEP with Ritter Insurance Marketing: https://ritterim.com/aep/ The Survivor’s AEP Checklist: https://ritterim.com/blog/the-survivors-aep-checklist/ What is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: “Approved Carriers for 2025.” NABIP.Org, https://www.nabiptraining.org/nabip/carriers. Accessed 5 June 2025. “Corporate Partnership.” NABIP, https://nabip.org/membership/corporate-partnership. Accessed 5 June 2025. “Course Credit Details.” NABIP.Org, https://www.nabiptraining.org/site/courseDetails/1777. Accessed 5 June 2025. “Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” Ahipmedicaretraining.Com, https://www.ahipmedicaretraining.com/. Accessed 5 June 2025. “Medicare, Medicare Advantage, and Compliance Requirements User Guide” NABIP.Org, https://nabip.org/media/8564/nabip-ma-user-guide.pdf . Accessed 5 June 2025. “State Rules for Insurance Continuing Education.” NABIP.Org, https://www.nabiptraining.org/site/staterules. Accessed 5 June 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.

Learn more about the NABIP Medicare Advantage Certification (MMACR), an alternative program for agents looking to satisfy their Medicare & Fraud, Waste, and Abuse training requirements from CMS. Read the text version Resources: 4 Ancillary Cross-Sales to Show Clients You Care: https://lnk.to/asg670 AHIP 2026 Certification Dates: https://lnk.to/asgf20250516 Reassuring Your Clients During Difficult Times: https://lnk.to/asg671 Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523 What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: “NABIP Approved Carriers .” NABIP.Org, NABIP, https://www.nabiptraining.org/nabip/carriers. Accessed 2 June 2025. “NABIP Medicare Advantage Certification.” NABIP.Org, NABIP, https://www.nabiptraining.org/nabip/medicare. Accessed 2 June 2025. “NABIP Official Site.” Nabip.Org, NABIP, nabip.org/. Accessed 2 June 2025. “NABIP Professional Development.” Nabip.Org, NABIP, nabip.org/professional-development. Accessed 2 June 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

The 2026 AHIP Certification training is now live! We’re covering AHIP FAQs to help you prepare! Read the text version Resources: Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651 Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/ FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? https://lnk.to/asg658 The Survivor’s AEP Checklist: https://ritterim.com/blog/the-survivors-aep-checklist/ Updates to the 2026 AHIP Certification You Should Know: https://ritterim.com/blog/updates-to-the-2026-ahip-certification-you-should-know/ References: “AHIP Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” Ahipmedicaretraining.com, 2025, https://www.ahipmedicaretraining.com/page/login. Accessed 20 May 2025. AHIP Technical Support: [email protected] Sawchuck, Craig. “Test Anxiety: Can It Be Treated?” Mayo Clinic, 14 May 2024, www.mayoclinic.org/diseases-conditions/generalized-anxiety-disorder/expert-answers/test-anxiety/faq-20058195. Accessed 20 May 2025. ‌“Top Universities.” Top Universities, Nov. 2012, https://www.topuniversities.com/student-info/health-and-support/exam-preparation-ten-study-tips. Accessed 20 May 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.