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  • How to Prevent Insurance Agent Negligence

    How to Prevent Insurance Agent Negligence
    Oct 17 2026
    As an insurance agent, remaining compliant is a top priority in order to prove that you’re trustworthy to your clients. Today, we’re going to be teaching you what to look out for to make sure you avoid agent negligence. Read the text version Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: Do's and Don'ts of Medicare Compliance Getting Started Selling Medicare Supplements The Complete Guide to Client Loyalty and Retention Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource References: Insurance agent & broker negligence. Gump, Faiella & Bugalski. (2024, September 20). https://www.centralmolaw.com/services/other-practice-areas/insurance-agent-broker-negligence/. McDuffy, T. (2025, October 20). Negligence and the “reasonable person” . FindLaw. https://www.findlaw.com/injury/accident-injury-law/standards-of-care-and-the-reasonable-person.html. National Archives and Records Administration. (n.d.-a). Subpart V—Medicare Advantage Communication Requirements. Code of Federal Regulations. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. National Archives and Records Administration. (n.d.-b). Subpart V—Part D Communication Requirements. Code of Federal Regulations. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Understanding insurance broker negligence. Rah Law. (2023, December 14). https://www.rah.law/understanding-insurance-broker-negligence/. What is insurance law?. Super Lawyers. (2025, October 8). https://www.superlawyers.com/resources/insurance-coverage/. When do an insurance agent’s actions constitute negligence? Glickman & Glickman. (2025, September 29). https://www.glickman-law.com/blog/2025/09/when-do-an-insurance-agents-actions-constitute-negligence/. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    10 Min.
  • Integrity Launches ACA EDE in IntegrityCONNECT

    Integrity Launches ACA EDE in IntegrityCONNECT
    Oct 16 2026
    The Friday Five for October 16, 2026: Apple “Welcome Home” Event & RumorsCMS 2027 Medicare Advantage and Part D Star Ratings2027 Social Security Cost-of-Living Adjustment (COLA)Integrity Launches Ask Integrity Sales CoachIntegrity Announces ACA EDE in IntegrityCONNECT Platform Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Apple “Welcome Home” Event & Rumors: “Apple Set to Debut Touch-Screen MacBook and New iPad Mini in Late October.” Bloomberg.com, Bloomberg, 8 Oct. 2026, https://www.bloomberg.com/news/articles/2026-10-08/apple-set-to-debut-touch-screen-macbook-and-new-ipad-mini-in-late-october. “Apple to Launch Touchscreen OLED MacBook Pro and OLED iPad mini on October 27.” Macrumors.com, MacRumors, 8 Oct. 2026, https://www.macrumors.com/2026/10/08/apple-october-27-macbook-pro/. “Apple will reportedly debut its first touchscreen MacBook in three weeks.” Theverge.com, The Verge, 8 Oct. 2026, https://www.theverge.com/tech/1008422/apple-macbook-pro-touchscreen-ipad-mini-rumor. “Everything Apple launched at its ‘Welcome Home’ event.” Theverge.com, The Verge, 13 Oct. 2026, https://www.theverge.com/tech/1009816/apple-smart-home-event-homeview-homepod-mini-roundup. “Meet Apple HomeView, a new way to enjoy entertainment, stay connected, and manage the home.” Apple.com, Apple, 13 Oct. 2026, https://www.apple.com/newsroom/2026/10/meet-apple-homeview-a-new-way-to-enjoy-entertainment-and-manage-the-home/. CMS 2027 MA and Part D Star Ratings: “2027 Medicare Advantage and Part D Star Ratings.” Cms.gov, Centers for Medicare & Medicaid Services, 8 Oct. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-star-ratings. “CMS: About 71% of MAPD plan enrollees in coverage with four or more stars for 2027.” Fiercehealthcare.com, Fierce Healthcare, 8 Oct. 2026, https://www.fiercehealthcare.com/payers/cms-about-71-mapd-plan-enrollees-coverage-four-or-more-stars-2027. “CMS Part C and D Performance Data.” Cms.gov, Centers for Medicare & Medicaid Services, 8 Oct. 2026, https://www.cms.gov/medicare/health-drug-plans/part-c-d-performance-data. “Low-Performing Icon Definition.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/part-422/section-422.166#p-422.166(h)(1)(ii)(A). Accessed 12 Oct. 2026. 2027 Social Security Cost-of-Living Adjustment (COLA): “Consumer Price Index (CPI) Summary” bls.gov, U.S. Bureau of Labor Statistics, 14 Oct. 2026, https://www.bls.gov/news.release/cpi.nr0.htm. “Cost-of-Living Adjustment (COLA).” Ssa.gov, Social Security Administration, https://www.ssa.gov/oact/cola/colasummary.html, Accessed 13 Oct. 2026. “Social Security Cost-Of-Living Adjustment For 2027 Arrives Wednesday—Here’s What To Know.” Forbes.com, Forbes, 12 Oct. 2026, https://www.forbes.com/sites/fionariley/2026/10/12/social-security-cost-of-living-adjustment-for-2027-arrives-wednesday-heres-what-to-know/. “Social Security Announces 3.6 Percent Benefit Increase for 2027.” Ssa.gov, Social Security Administration, 14 Oct. 2026, https://www.ssa.gov/news/en/press/releases/2026-10-14.html. Integrity Launches Ask Integrity Sales Coach: Ask Integrity Sales Coach Health÷ NEW! AI Sales Coach Life÷ NEW! AI Sales Coach in IntegrityCONNECT Integrity Announces Affordable Care Act (ACA) Enhanced Direct Enrollment (EDE) in IntegrityCONNECT: “Integrity Announces ACA in IntegrityCONNECT Platform, Transforming Agents' AI-Empowering Sales Offering.” Prnewswire.com, PR Newswire, 7 Oct. 2026, https://www.prnewswire.com/news-releases/integrity-announces-aca-in-integrityconnect-platform-transforming-agents-ai-empowering-sales-offering-302900686.html. Integrity Events & Webinars On Demand Webinar: Health | ACA Success Starts Here: Quote, Compare, Enroll Webinar: Health | How to Manage the New ACA Requirements in IntegrityCONNECT Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    16 Min.
  • Rules for Hosting a Compliant Medicare Educational Event

    Rules for Hosting a Compliant Medicare Educational Event
    Oct 15 2026
    Are you trying to plan a Medicare educational event, but you want to make sure you stay compliant? From agent do’s and don’ts to how to set up your educational event, we teach you how to do just that!

    Read the text version

    Get Connected:

    🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

    📧 Connect with the Ritter Insurance Marketing Sales Team Near You!

    💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    Do's and Don'ts of Medicare Compliance

    FAQs & Guidelines on Compliant Medicare Marketing Materials

    How to Organize a Turning 65 Seminar on a Budget

    How to Stay Compliant During All Medicare Sales

    Rules for Hosting a Compliant Medicare Sales Event

    What Not to Say During Medicare Educational and Sales Events

    References:

    Centers for Medicare & Medicaid Services. (2024, September 10). Medicare Marketing Guidelines. CMS.gov. https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines

    National Archives and Records Administration. (n.d.). Federal register. Federal Register . https://www.federalregister.gov/

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social

    Not affiliated with or endorsed by Medicare or any government agency.
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    8 Min.
  • Rules for Hosting a Compliant Medicare Sales Event

    Rules for Hosting a Compliant Medicare Sales Event
    Oct 15 2026
    Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode! Read the text version Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 📰 Get Field Notes delivered to your inbox! 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: CMS Improves Plan Transparency and Choice with 2027 MA and Part D Final Rule How to Host a Successful Medicare Sales Event How to Stay Compliant During All Medicare Sales Carrier Pages on Ritter Docs Rules for Hosting a Compliant Medicare Educational Event What Not to Say During Medicare Educational and Sales Events References: “Medicare Advantage Communication Requirements.” Federal Register, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 26 Aug. 2026. “Medicare Part D Communication Requirements.” Federal Register, Centers for Medicare & Medicaid Services, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 26 Aug. 2026. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 26 Aug. 2026. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    16 Min.
  • Understanding the ACA Marketplace Metal Tiers

    Understanding the ACA Marketplace Metal Tiers
    Oct 14 2026
    When stepping into the ACA marketplace, you’ll obviously have a plethora of different plans to offer to your clients. What if we told you there was an easy way to break down the different types of plans you could be selling in hopes of helping your clients better understand what they’re buying into? In this episode of the Agent Survival Guide Podcast, we’ll be guiding your next sale to a podium finish by breaking down the ACA metal tiers! Read the text version Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: ACA 101: Selling Under-65 Health Insurance ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow Understanding ACA Plan Metal Tiers References: Average monthly marketplace premiums by metal tier: KFF State Health Facts. KFF. (2025, November 3). https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D Health Insurance Marketplace. (n.d.-a). Health plan categories: Bronze, Silver, Gold, & Platinum. HealthCare.gov. https://www.healthcare.gov/choose-a-plan/plans-categories/ Lewis, B. E. (2026, March 25). What are the four metal tiers of Affordable Care Act Health Plans?. GoodRx. https://www.goodrx.com/insurance/aca/aca-tiers-of-coverage Quality ratings of health plans. HealthCare.gov. (n.d.-b). https://www.healthcare.gov/quality-ratings/ Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    7 Min.
  • Can Insurance Agents Charge Consulting Fees for Medicare Sales or Services?

    Can Insurance Agents Charge Consulting Fees for Medicare Sales or Services?
    Oct 13 2026
    We all know that MA Plans are non-commissionable, but that doesn’t mean that you can’t be curious about making a sale. In this episode, we’ll be diving into payments and fees that can come with selling Medicare plans. Read the text version Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable 8 Reasons Why Insurance Agents Should Sell ACA Plans ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products How to Explain the Real Cost of a Funeral & Help Your Clients Plan for One Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? References: Alerion Advisors. (n.d.). Are brokers still in the crosshairs? policy and market updates for 2026. Rebellis Group. https://partners.rebellisgroup.com/download-webinar-are-brokers-still-in-the-crosshairs-policy-and-market-updates-for-2026 (2008, September 18). Part D Communication Requirements. Federal Register. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V National Archives and Records Administration. (2005, January 28). Medicare Advantage program. Federal Register. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422 Q2 impact report. NABIP. (n.d.). https://nabip.org/ Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    7 Min.
  • Q4 ACA Sales Calendar

    Q4 ACA Sales Calendar
    Oct 12 2026
    Are you ready for go-time? In this episode of the Agent Survival Guide podcast, we're covering the 4th quarter and the essential details, dates, and what it means now that prep time is over.

    Read the text version

    Get Connected:

    🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

    📧 Connect with the Ritter Insurance Marketing Sales Team Near You!

    📢 Submit a shoutout to be read in a future episode

    🎙️ Be a Guest on the ASG Podcast

    💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    8 Reasons Why Insurance Agents Should Sell ACA Plans

    Busy ACA Agent’s Sales Calendar

    Everything You Need to Know About the ACA OEP

    Federal Judge Strikes Down ACA Marketplace Rule Provisions

    Free Guides

    Guiding Your Clients from the Marketplace to Medicare

    References:

    Norris, Louise. “What Are the Deadlines for the ACA’s Open Enrollment Period?” Healthinsurance.Org, 10 Aug. 2026, www.healthinsurance.org/faqs/what-are-the-deadlines-for-the-acas-open-enrollment-period/.

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social

    Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency.
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    5 Min.
  • Dental, Vision, and Hearing Insurance Sales: How, Who, and Why

    Dental, Vision, and Hearing Insurance Sales: How, Who, and Why
    Oct 12 2026
    As we get older, we have more time to experience what life has to offer. However, with age also comes wear and tear on certain senses. In this episode, we’ll be teaching you how to identify clients who might need help taking care of these important factors of life. Read the text version Get Connected: 🤝 Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧 Connect with the Ritter Insurance Marketing Sales Team Near You! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: Client Sync Consumer User Guide Cross-Sell to Fill Coverage Gaps or Unmet Needs IntegrityCONNECT Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource References: Centers for Disease Control and Prevention. (2024, May 15). Preventing oral diseases and conditions in communities. Centers for Disease Control and Prevention. https://www.cdc.gov/oral-health/prevention/?CDC_AAref_Val=https%3A%2F%2Fwww.cdc.gov%2Foralhealth%2Fbasics%2Fadult-oral-health%2Ftips.html Cohen, R. A., & Bottoms-McClain, L. (2024, April 26). Dental Care Among Adults Age 65 and Older. Centers for Disease Control and Prevention. https://www.cdc.gov/nchs/products/databriefs/db500.htm Hibbler, R. (2024, January 5). The importance of Eye Care and annual exams. Tapestry 360 Health. https://tap360health.org/the-importance-of-eye-care-and-annual-exams/ Persky, W. (2025, August 11). The problem with Medicare Advantage Plans. Microscopic New Live Site. https://www.microscopiccolitisfoundation.org/blog/the-problem-with-medicare-advantage-plans U.S. Centers for Medicare and Medicaid Services. (n.d.). Dental services. Medicare.gov. https://www.medicare.gov/coverage/dental-services Why dental care is important for your overall health. UI Health. (2024, January 3). https://hospital.uillinois.edu/mile-square-health-center/patient-resources/blog-and-news/dental-health-is-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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.
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    14 Min.