Agent Survival Guide Podcast
Business
Episodes
6 hours ago
6 hours ago
Universal life insurance can be confusing for clients. In this episode we break down the three main types and helpful tips for educating clients!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Life Insurance Myths Your Clients May Believe: https://ritterim.com/blog/5-life-insurance-myths-your-clients-may-believe/
Get Your Portfolio Review: https://ritterim.com/portfolio/>/p>
Identifying Ideal Clients for Universal Life Products: https://ritterim.com/blog/identifying-ideal-clients-for-universal-life-products/
Life Insurance for Each of Life’s Stages: https://ritterim.com/blog/life-insurance-for-each-of-lifes-stages/
Register with Ritter: https://app.ritterim.com/public/registration/
The Complete Guide on How to Sell Final Expense Insurance FREE eBook Download: https://ritterim.com/final-expense-ebook/
References:
Kagan, Julia. “Term Life Insurance: What It Is, Different Types, Pros and Cons.” Investopedia, Investopedia, https://www.investopedia.com/terms/t/termlife.asp. Accessed 18 Mar. 2025.
Powers, Stephanie. “What Is Indexed Universal Life Insurance (IUL)?” Investopedia, Investopedia, https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp. Accessed 18 Mar. 2025.
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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.
3 days ago
3 days ago
From FMO to IMO and MGA to GA, we’re unpacking what these acronyms mean and how insurance hierarchies work. Learn more about these organizations and where your insurance business falls on the spectrum!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
3 Advantages of Being an Independent Insurance Agent: https://ritterim.com/blog/3-advantages-of-being-an-independent-insurance-agent/
5 Perks of Being a Part-Time Insurance Agent: https://lnk.to/YGJ3KX
Best Practices for Training Downline Agents: https://lnk.to/DA1sIn
How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/
Learn More About Integrity Tools: https://ritterim.com/integrity-tools/
Life Insurance for Each of Life's Stages: https://ritterim.com/blog/life-insurance-for-each-of-lifes-stages/
The Benefits of Joining a Top Insurance FMO: https://ritterim.com/blog/the-benefits-of-joining-a-top-insurance-fmo/
What Are Insurance Hierarchies & How Do They Work? https://ritterim.com/blog/what-are-insurance-hierarchies-how-do-they-work/
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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.
Friday Apr 04, 2025
Friday Apr 04, 2025
Develop your personal brand with help from the Agent Survival Guide Podcast! Set yourself apart from the competition and formulate your marketing strategy at the same time!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
Apps for Content Creation: https://lnk.to/ASGA81
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
CMS Updates, Content Library, & More! https://lnk.to/asgf20250328
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Introducing a Content Marketing Solution for Insurance Agents: https://lnk.to/contentlibrary
Marketing Trends for 2025: https://lnk.to/asg639
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
References:
Sheldon, Robert. “What Is a Unique Selling Point (USP)?” Techtarget.Com, TechTarget, www.techtarget.com/whatis/definition/unique-selling-point-USP. Accessed 2 Apr. 2025.
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Apr 02, 2025
Wednesday Apr 02, 2025
Free up your work week by using a digital appointment scheduler. Spend more time with clients and less time managing your calendar.
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
3 Insurance Business Tools You Absolutely Can’t Live Without: https://ritterim.com/the-ultimate-agent-resource-list/
Best Practices for Video Calls: https://lnk.to/8jc7x9
Digital Marketing for Insurance Agents: Our Top Tips to Boost Business: https://ritterim.com/blog/digital-marketing-for-insurance-agents-our-top-tips-to-boost-business/
Free eBooks & Guides: https://ritterim.com/guides/
Get Your PlanEnroll Site: https://ritterim.com/planenroll/
How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C
Meet Your Sales Specialist: https://ritterim.com/meet-your-sales-team/
MedicareCENTER: https://ritterim.com/integrity-tools/#medicarecenter
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
What Are Agents Responsible for Under HIPAA: https://ritterim.com/blog/what-are-agents-responsible-for-under-hipaa/
Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/
The Ultimate Agent Resource List Pt 3: Staying Organized: https://ritterim.com/blog/the-ultimate-agent-resource-list-pt-3-staying-organized/
Appointment Schedulers:
Acuity: https://acuityscheduling.com/
Google Workspace: https://workspace.google.com/resources/appointment-scheduling/
Microsoft Bookings: https://www.microsoft.com/en-us/microsoft-365/business/scheduling-and-booking-app
OnceHub: https://oncehub.com/
SimployBook.me: https://simplybook.me/en/
References:
Lurie, Matt. “20 Integrable Scheduling Tools for Small Business Systems.” Ruby, 11 Nov. 2024, https://www.ruby.com/blog/20-of-the-best-small-business-appointment-scheduling-tools-and-apps/.
“Acuity Scheduling: Online Appointment Scheduling Software.” Acuity, https://acuityscheduling.com/. Accessed 3 Mar. 2025.
“Acuity Scheduling and HIPAA.” Acuity : Scheduling, https://help.acuityscheduling.com/hc/en-us/articles/16689567523597-Acuity-Scheduling-and-HIPAA. Accessed 3 Mar. 2025.
“Agencybloc’s AMS+ Solution for Health, Group Benefits, & Senior Insurance.” AgencyBloc Insurance Agency CRM, https://www.agencybloc.com/ams/. Accessed 3 Mar. 2025.
“Appointment Scheduler.” Radius Help Center, https://help.radiusbob.com/en/articles/5448715-appointment-scheduler. Accessed 3 Mar. 2025.
“Compare All Microsoft 365 Plans.” Microsoft, https://www.microsoft.com/en-us/microsoft-365/business/compare-all-microsoft-365-business-productss. Accessed 3 Mar. 2025.
“Free Appointment Booking System.” SimplyBook.Me - Free Appointment Booking System, https://simplybook.me/en/. Accessed 3 Mar. 2025.
“Google Workspace.” Google Workspace: Secure Online Productivity & Collaboration Tools, Google, https://workspace.google.com/. Accessed 3 Mar. 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 3 Mar. 2025.
“HIPAA Compliance with Google Workspace and Cloud Identity.” Google Workspace Admin Help, Google, https://support.google.com/a/answer/3407054. Accessed 3 Mar. 2025.
“HIPAA for Professionals.” HHS.Gov, 19 July 2024, https://www.hhs.gov/hipaa/for-professionals/index.html.
“Microsoft 365 - Subscription for Productivity Apps: Microsoft 365.” Microsoft 365 - Subscription for Productivity Apps | Microsoft 365, https://www.microsoft.com/en-us/microsoft-365. Accessed 3 Mar. 2025.
“Online Appointment Booking Software - Unmatched Free Plan.” OnceHub, https://oncehub.com/. Accessed 3 Mar. 2025.
“Online Appointment Scheduling with Google Calendar.” Google Workspace, Google, https://workspace.google.com/resources/appointment-scheduling/. Accessed 3 Mar. 2025.
“Online Bookings and Appointment Scheduling: Microsoft 365.” Online Bookings and Appointment Scheduling | Microsoft 365, Microsoft, https://www.microsoft.com/en-us/microsoft-365/business/scheduling-and-booking-app. Accessed 3 Mar. 2025.
“Productivity Apps for Business Owners & Entrepreneurs | Google Workspace Individual.” Google Workspace, Google, https://workspace.google.com/individual/. Accessed 3 Mar. 2025.
Alder, Steven. “The Use of Technology and HIPAA Compliance.” The HIPAA Journal, https://www.hipaajournal.com/the-use-of-technology-and-hipaa-compliance/. Accessed 3 Mar. 2025.
“What Is a HIPAA Business Associate Agreement (BAA)?: TechTarget.” Healthtech Security, TechTarget, 14 Feb. 2022, https://www.techtarget.com/healthtechsecurity/feature/What-Is-a-HIPAA-Business-Associate-Agreement-BAA.
“What Is Our Online Scheduler Solution?” Producer Max The Agent-Centric Platform, https://www.producermax.com/Online-Scheduler.html. Accessed 3 Mar. 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.
Monday Mar 31, 2025
Monday Mar 31, 2025
Listen to learn about powerful strategies for closing insurance sales!
Read the text version
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655
4 Tips for Making a Better Insurance Sales Pitch: https://ritterim.com/blog/4-tips-for-making-a-better-insurance-sales-pitch/
Empower Your Prospects to Act Before Turning 65: https://ritterim.com/blog/empower-your-prospects-to-act-before-turning-65/
Interview – Developing a Client Retention Mindset: https://ritterim.com/blog/interview-developing-a-client-retention-mindset/
Interview – Relationship Marketing Strategies for Insurance Agents: https://ritterim.com/blog/interview-relationship-marketing-strategies-for-insurance-agents/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
References:
Schultz, Mike. “50 Powerful Sales Questions.” RAIN Group Sales Training, RAIN Group, 27 June 2024, https://www.rainsalestraining.com/blog/50-powerful-sales-questions.
Curtis, Matthew. “‘Don’t Answer a Question with a Question!’ Were You Ever Told as a Child It’s Rude?” M4C Business Leadership & Sales Consultancy, 6 Sept. 2019, https://www.m4cltd.com/don-t-answer-a-question-with-a-question-were-you-ever-told-as-a-child-it-s-rude.
Schipperen, Thomas. “Mastering Sales Uncertainty: Adapting the Ben Franklin Technique for Modern Consumers.” Lepaya, https://www.lepaya.com/blog/ben-franklin-sales-technique. Accessed 28 Feb. 2025.
Brooks, Alison Wood, and Leslie K. John. “The Surprising Power of Questions.” Harvard Business Review, Harvard Business Review, 1 May 2018, https://hbr.org/2018/05/the-surprising-power-of-questions.
Aljets, Paul. “What Ben Franklin Got Right (and Wrong) about Data-Driven Decision-Making.” LinkedIn, 1 Aug. 2019, https://www.linkedin.com/pulse/what-ben-franklin-got-right-wrong-data-driven-paul-aljets/.
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.
Saturday Mar 29, 2025
Saturday Mar 29, 2025
Do your clients know how versatile life insurance can be? Educate them about tax advantages and other ways life policies can help save money in the long run!
Read the text version
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
Diversify Your Insurance Portfolio & Reap Rewards: https://lnk.to/asg651
Secure a Bigger, Better Business with Ancillary Products: https://ritterim.com/blog/secure-a-bigger-better-business-with-ancillary-products/
Signs It’s Time to Expand your Insurance Portfolio & Make the Move: https://ritterim.com/blog/signs-its-time-to-expand-your-insurance-portfolio-and-make-the-move/
The Advisor Approach: Cross-Selling by Fact-Finding: https://lnk.to/PFzk9L
The Top 5 Products to Sell During Medicare’s Lock-In Period: https://ritterim.com/blog/the-top-5-products-to-sell-during-medicares-lock-in-period/#med-supp-underwriting-guide
References:
Lambert, George D. “A Look at Single-Premium Life Insurance.” Investopedia, Investopedia, https://www.investopedia.com/articles/pf/05/singlepremlife.asp. Accessed 17 Mar. 2025.
“Estate Tax.” IRS, Internal Revenue Service, https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax. Accessed 17 Mar. 2025.
Reynolds, Paul. “Estate Taxes: Who Pays? And How Much?” Investopedia, Investopedia, https://www.investopedia.com/articles/personal-finance/120715/estate-taxes-who-pays-what-and-how-much.asp. Accessed 17 Mar. 2025.
Wells, Sara A. “IRS Announces Increased Gift and Estate Tax Exemption Amounts for 2025.” Morgan Lewis, 24 Oct. 2024, https://www.morganlewis.com/pubs/2024/10/irs-announces-increased-gift-and-estate-tax-exemption-amounts-for-2025.
Brooks, Ashlyn. “Is Life Insurance Taxable?” Bankrate, 11 Feb. 2025, https://www.bankrate.com/insurance/life-insurance/life-insurance-taxes/.
“Life Insurance & Disability Insurance Proceeds.” Internal Revenue Service, IRS, https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds. Accessed 17 Mar. 2025.
Gudema, Jonathan. “Understanding Probate: A Comprehensive Guide to the Probate Process.” Planned Giving Marketing Trusted Authority | Official Site, 12 Mar. 2025, https://www.plannedgiving.com/understanding-probate-a-comprehensive-guide-to-the-probate-process/.
Randolph, Mary. “What Assets Must Go through Probate?” Www.Alllaw.Com, All Law, 6 June 2023, https://www.alllaw.com/articles/nolo/wills-trusts/what-assets-go-through-probate.html.
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.
Tuesday Mar 25, 2025
Tuesday Mar 25, 2025
Ritter Insurance Marketing just launched a brand-new marketing resource for agents - the Content Library! Learn how to use industry-specific (and compliant!) content to start, scale, and sustain your digital marketing efforts. We outline the details in this can't miss episode!
Check Out the Content Library for Insurance Agents: https://library.ritterim.com/
Resources:
Not a Ritter agent? Get registered now: https://app.ritterim.com/public/registration/
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644
Marketing Trends for 2025: https://lnk.to/asg639
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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Monday Mar 24, 2025
Monday Mar 24, 2025
We’ve got tips and examples for closing sales in the insurance industry! Check out this episode to learn 4 tried and true methods and learn how to close with confidence.
Read the text version
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
9 Essential Tools for Beginner Insurance Agents: https://ritterim.com/blog/9-essential-tools-for-beginner-insurance-agents/
Getting Started Selling Medicare Supplements: https://ritterim.com/blog/getting-started-selling-medicare-supplements/
Meet Your Sales Team at Ritter: https://ritterim.com/meet-your-sales-team/
Medicare Advantage Open Enrollment Do’s and Don’ts: https://ritterim.com/blog/medicare-advantage-open-enrollment-dos-and-donts/
Medicare Advantage Trial Rights Explained for Agents: https://ritterim.com/blog/medicare-advantage-trial-rights-explained-for-agents/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
References:
Van Edwards, Vanessa. “23 Essential Body Language Examples and Their Meanings.” Science of People, 26 Mar. 2024, https://www.scienceofpeople.com/body-language-examples/.
“Customer Pain Points: 4 Examples and How to Eliminate Them | Indeed.Com.” Indeed, https://www.indeed.com/career-advice/career-development/customer-pain-points. Accessed 30 Jan. 2025.
“How to Become Confident 12 Powerful Strategies to Unleash Confidence.” Tony Robbins, Tony Robbins, https://www.tonyrobbins.com/building-confidence/how-to-be-confident/.
“How Do Medicare’s and Medicare Advantage’s Open Enrollment Differ?” National Council on Aging, NCOA, https://www.ncoa.org/article/whats-the-difference-between-medicares-open-enrollment-period-and-medicare-advantage-open-enrollment/. Accessed 30 Jan. 2025.
Howard, Chris. “5 Best Practices for Building Trust with Clients.” Canopy, Canopy, 1 Feb. 2024, https://www.getcanopy.com/blog/best-practices-for-building-trust-with-your-clients.
“Learn about Carvana 7-Day Money Back Guarantee Limits | Carvana.” Carvana, https://www.carvana.com/help/purchasing-a-car/what-are-the-limits-of-the-7-day-money-back-guarantee. Accessed 30 Jan. 2025.
“Mastering the Puppy Dog Close a Comprehensive Guide.” Tomba, Tomba, 3 Aug. 2024, https://tomba.io/blog/mastering-the-puppy-dog-close-a-comprehensive-guide-to-sales-success/.
“Researcher Investigates How Our Snap Judgments Affect Society.” FABBS, 25 Jan. 2024, https://fabbs.org/news/2023/09/researcher-investigates-how-our-snap-judgments-affect-society/.
SOCO Sales Training. “The Assumptive Close: A Powerful Tool for Increasing Sales.” SOCO Sales Training, 30 Aug. 2024, https://www.socoselling.com/the-assumptive-close/.
Miller, Serena. “Top 10 Closing Techniques (with Examples, How-to’s, and Scenarios).” Outreach, https://www.outreach.io/resources/blog/sales-closing-techniques. Accessed 30 Jan. 2025.
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Mar 22, 2025
Saturday Mar 22, 2025
Clients with marketplace coverage may not be aware of specific tax forms they need to file. Be an advocate for your clients by helping them understand what steps to take during tax time.
Read the text version
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
How to Assist Clients with Marketplace Household Income Estimations: https://ritterim.com/blog/how-to-assist-clients-with-marketplace-household-income-estimations/
FAQs About Selling On-Exchange & Off-Exchange under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/
Knight School Online Training: https://ritterim.com/knight-school/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd
The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook Download: https://ritterim.com/insurance-affinity-partnerships/
Why Client Retention Should Be Your Top Priority: https://lnk.to/NMDqSn
References:
“Browse All 8 Trusted Partners.” IRS Free File | Internal Revenue Service, https://apps.irs.gov/app/freeFile/browse-all-offers/. Accessed 4 Mar. 2025.
“Essential Tax Forms for the Affordable Care Act (ACA).” TurboTax Tax Tips & Videos, Intuit Turbotax, https://turbotax.intuit.com/tax-tips/health-care/essential-tax-forms-for-the-affordable-care-act/L7VURKAae. Accessed 4 Mar. 2025.
“Health Plan Categories: Bronze, Silver, Gold & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 4 Mar. 2025.
“Health Coverage Tax Tool.” Health Coverage Tax Tool | HealthCare.Gov, https://www.healthcare.gov/tax-tool/#/. Accessed 4 Mar. 2025.
“How to Use Form 1095-A, Health Insurance Marketplace® Statement.” HealthCare.Gov, https://www.healthcare.gov/tax-form-1095/. Accessed 4 Mar. 2025.
“How to Find Your Form 1095-A Online.” HealthCare.Gov, https://www.healthcare.gov/downloads/how-to-find-form-1095-a-online.pdf. Accessed 4 Mar. 2025.
“How to Reconcile Your Premium Tax Credit.” HealthCare.Gov, https://www.healthcare.gov/taxes-reconciling/. Accessed 4 Mar. 2025.
“Premium Tax Credit (PTC).” IRS.Gov, Department of the Treasury Internal Revenue Service, https://www.irs.gov/pub/irs-pdf/f8962.pdf. Accessed 4 Mar. 2025.
“Understanding Your Letter 12C.” Internal Revenue Service, https://www.irs.gov/individuals/understanding-your-letter-12c. Accessed 4 Mar. 2025.
“What Is Affinity Marketing? (With Benefits and Tips) | Indeed.Com.” Indeed, https://www.indeed.com/career-advice/career-development/affinity-marketing. Accessed 4 Mar. 2025.
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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.
Tuesday Mar 18, 2025
Tuesday Mar 18, 2025
Expand your marketing reach! Find new leads and more with Integrity’s PlanEnroll!
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Learn more about becoming a PlanEnroll Network Agent
Resources:
LeadCENTER: https://leads.integrity.com/login MedicareCENTER: https://integrity.com/medicarecenter/ MedicareCENTER FAQs: https://lnk.to/asg645 PlanEnroll FAQs: https://lnk.to/asg646 PlanEnroll Network Agent Training Registration: https://trainings.planenroll.com/
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Monday Mar 17, 2025
Monday Mar 17, 2025
Every client has a unique set of needs. In this episode, we’re looking at how to work with clients who have a power of attorney or are under a conservatorship. Listen to learn how these circumstances affect enrollment, and how you can assist the process!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Elder Abuse Prevention & Resources
Resources:
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/Lw5Dmc How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/ Why Are Part D Prescription Drug Plans So Different? https://ritterim.com/blog/why-are-part-d-prescription-drug-plans-so-different/
References:
“Authorization to Disclose Personal Health ...” Centers for Medicare & Medicaid, https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms10106.pdf. Accessed 14 Feb. 2025. “Britney Spears’s Conservatorship Terminated after Nearly 14 Years.” The Guardian, Guardian News and Media, 12 Nov. 2021, https://www.theguardian.com/music/2021/nov/12/britney-spears-conservatorship-terminated. “Conservatorship and Guardianship.” Family Caregiver Alliance, https://www.caregiver.org/resource/conservatorship-and-guardianship/. Accessed 19 Feb. 2025. Kenton, Will. “Conservatorship Definition, How It Works, Types, Alternatives.” Investopedia, Investopedia, https://www.investopedia.com/terms/c/conservatorship.asp. Accessed 14 Feb. 2025. “Elder Abuse Statistics.” Justice.Gov, U.S. Department of Justice, https://www.justice.gov/file/970666/dl?inline=. Accessed 14 Feb. 2025. “Financial Exploitation Resources.” Financial Exploitation Resources | Department of Aging | Commonwealth of Pennsylvania, Commonwealth of Pennsylvania, https://www.pa.gov/agencies/aging/aging-programs-and-services/advocacy-education-protection/financial-exploitation-resources.html. Accessed 14 Feb. 2025. “GAO-10-1046 Highlights, Guardianships.” GAO.Gov, United States Government Accountability Office, https://www.gao.gov/assets/gao-10-1046-highlights.pdf. Accessed 14 Feb. 2025. “Get the Facts on Elder Abuse.” NCOA, National Council on Aging, https://www.ncoa.org/article/get-the-facts-on-elder-abuse/. Accessed 14 Feb. 2025. “New California Law Limits Conservatorships after Britney Spears Saga.” Mortensen & Reinheimer, PC, Mortensen & Reinheimer, PC, https://www.ocestateplanning.net/law-blog/2023/january/new-california-law-limits-conservatorships-after/. Accessed 14 Feb. 2025. “Power of Attorney.” AmericanBar.Org, American Bar Association, https://www.americanbar.org/groups/real_property_trust_estate/resources/estate-planning/power-of-attorney/. Accessed 19 Feb. 2025. “Rules and Model Language for Proof of Representation Vs ...” Centers for Medicare & Medicaid, https://www.cms.gov/files/document/por-vs-ctrpdf. Accessed 14 Feb. 2025. “Using a Power of Attorney to Enroll a Beneficiary in a Medicare Drug Plan.” ElderLawAnswers for Attorneys - Affordable Content Marketing for Busy Elder Law Attorneys, ElderLawAnswers for Attorneys, https://attorney.elderlawanswers.com/using-a-power-of-attorney-to-enroll-a-beneficiary-in-a-medicare-drug-plan-6414. Accessed 14 Feb. 2025. “What is a medical power of attorney.” FreeWill, https://www.freewill.com/learn/what-is-a-medical-power-of-attorney/. Accessed 19 Feb. 2025. Firm, The Karp Law. “Your Power of Attorney Is Not Enough for Medicare, Social Security.” Karp Law Firm, https://karplaw.com/your-power-of-attorney-is-not-enough-for-medicare-social-security/. Accessed 14 Feb. 2025.
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Mar 10, 2025
Monday Mar 10, 2025
Press play to hear the breakdown of the 2026 ACA final rule affects you and your clients!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Resources:
2025 ACA Open Enrollment Hits All-Time High: https://lnk.to/asgf20250124
Agent Requirements for ACA Sales: https://ritterim.com/blog/agent-requirements-for-aca-sales/
Carriers with Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/
How Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/Lw5Dmc
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd
What ACA Agents Can Expect From the 2026 Proposed Marketplace Rule: https://ritterim.com/blog/what-aca-agents-can-expect-from-the-2026-proposed-marketplace-rule/
Understanding ACA Plan Metal Tiers: https://ritterim.com/documents/understanding-aca-plan-metal-tiers.pdf
Forms:
ACA Consumer Authorization Live Call Script: https://ritterim.com/documents/aca-consumer-authorization-live-call-script.pdf
ACA Consumer Marketplace Authorization Form: https://ritterim.com/documents/aca-consumer-marketplace-authorization-form.pdf
ACA Eligibility Application Attestation Form: https://ritterim.com/documents/aca-eligibility-application-attestation.pdf
ACA Eligibility Application Attestation Script: https://ritterim.com/documents/aca-consumer-eligibility-application-attestation-live-call-script.pdf
References:
“CMS Model Content Form for Marketplace Agents and Brokers” CMS, Centers for Medicare & Medicaid, https://www.cms.gov/files/document/cms-model-consent-form-marketplace-agents-and-brokers.pdf. Accessed 3 Feb. 2025.
“HHS Notice of Benefit and Payment Parameters for 2026 Final Rule.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-final-rule. Accessed 3 Feb. 2025.
“HHS Notice of Benefit and Payment Parameters for 2026 Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-proposed-rule. Accessed 3 Feb. 2025.
“HHS Notice of Benefit and Payment Parameters for 2024 Final Rule.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2024-final-rule. Accessed 3 Feb. 2025.
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Mar 01, 2025
Saturday Mar 01, 2025
We walk through some compliance practices you should be following during the Medicare Advantage Open Enrollment Period (MA OEP)!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Resources:
2025 Medicare Part D Redesign Updates: https://ritterim.com/blog/2025-medicare-part-d-redesign-updates/
How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C
Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/
Things to Think About Post-AEP: https://ritterim.com/blog/things-to-think-about-post-aep/
The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients: https://ritterim.com/blog/the-ultimate-agent-resource-list-pt-2-keeping-in-touch-with-clients/
Why Client Retention Should Be Your Top Priority: https://lnk.to/NMDqSn
References:
“Limited Income and Resources.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/training-education/partner-outreach-resources/low-income-subsidy-lis. Accessed 10 Feb. 2025.
“Special Enrollment Periods.” Medicare.Gov, Medicare, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods. Accessed 10 Feb. 2025.
“When Does Medicare Coverage Start?” Medicare, https://ritterim.com/blog/medicare-advantage-open-enrollment-dos-and-donts/ Accessed 5 Feb. 2025.
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Feb 19, 2025
Wednesday Feb 19, 2025
Medicare Supplement Plans offer many options to cover gaps in your client’s coverage. Learn more about plans K, L, M, and N to help your client find the right one for them.
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
2025 Medicare Part A and Part B Premiums and Deductibles: https://ritterim.com/blog/2025-medicare-part-a-and-part-b-premiums-and-deductibles/
Events & Webinars with Ritter: https://ritterim.com/events/
Get a FREE Portfolio Review: https://ritterim.com/portfolio/
The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://lnk.to/ASGtedsims
References:
“Compare Medigap Plan Benefits.” Medicare, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 29 Jan. 2025.
Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/.
“Market Advisor.” CSG Actuarial, CSG Actuarial, https://csg-actuarial-wordpress.appspot.com/software/market-advisor/. Accessed 29 Jan. 2025.
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Feb 17, 2025
Monday Feb 17, 2025
Learn about the value of Dual Eligible Special Needs Plans (D-SNPs) and how to get started selling!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
4 Myths about Dual Eligible Special Needs Plans (D-SNPs): https://ritterim.com/blog/4-myths-about-dual-eligible-special-needs-plan-d-snp-sales/
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
Do’s and Don’ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/
How to Check Medicare Extra Help Eligibility for Your Client: https://lnk.to/asg630b
How Selling Insurance Helps Give Back: https://ritterim.com/blog/how-selling-insurance-helps-give-back/
Keys to Client Retention: Digital Communication: https://lnk.to/fEvo5r
Rules for Hosting a Compliant Medicare Educational Event: https://ritterim.com/blog/rules-for-hosting-a-compliant-medicare-educational-event/
Should You Sell D-SNPs? https://ritterim.com/blog/should-you-sell-d-snps/
SNPs: the Secret to Surviving Lock-In: https://ritterim.com/blog/snps-the-secret-to-surviving-lock-in/
Stay Busy Outside of AEP With Special Enrollment Periods: https://ritterim.com/blog/stay-busy-outside-of-aep-with-special-enrollment-periods/
What Not to Say During Medicare Educational Sales Events: https://ritterim.com/blog/what-not-to-say-during-medicare-educational-and-sales-events/
Why Client Retention Should be Your Top Priority: https://lnk.to/NMDqSn
References:
“CY 2021 Cost Plan Enrollment and Disenrollment Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/Medicare/Eligibility-and-Enrollment/MedicareMangCareEligEnrol/Downloads/CY_2019_MA_Enrollment_and_Disenrollment_Guidance.pdf. Accessed 27 Jan. 2025.
“Medicare Managed Care Eligibility and Enrollment.” CMS.Gov, Centers of Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/managed-care-eligibility-enrollment. Accessed 27 Jan. 2025.
“New Special Enrollment Periods (Seps) for Dually Eligible ...” Centers of Medicare & Medicaid, https://www.cms.gov/files/document/cy2025cdenrollmentanddisenrollmentguidancepdf.pdf. Accessed 23 Jan. 2025.
“The Federal Register.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 23 Jan. 2025.
“The Federal Register.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 23 Jan. 2025.
“Special Enrollment Periods.” Medicare, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods. Accessed 23 Jan. 2025.
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.