Reassuring Your Clients During Difficult Times

How are your clients doing right now? Have you reached out? Have they? If you’re not sure what to say or where to start, we’ve got some easy-to-implement suggestions in this episode.
 
Resources:
3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656
4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321
Client Check-in Call Script: https://ritterim.com/documents/client-check-in-phone-script.docx
Client Check-in Email Template: https://ritterim.com/documents/client-check-in-email-template.docx 
How Plan Crosswalks Work in the ACA Marketplace: https://lnk.to/ASG664
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
 
References:
“2025 Tech Trends and Adults 50-Plus.” AARP.Org, AARP, https://www.aarp.org/content/dam/aarp/research/topics/technology/internet-media-devices/2025-technology-trends-older-adults.doi.10.26419-2fres.00891.001.pdf. Accessed 7 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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Adding Spokes to Your Wheel ft. Robert Rothschild

No need to reinvent the wheel. Sometimes, you just need to add a spoke! Robert Rothschild joins Sarah to chat about his background and what keeps him striving for more.
 
Find Robert Rothschild Online:
LinkedIn: https://www.linkedin.com/in/robert-a-rothschild-mba-a89a2133/
 
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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Making Your Own Luck ft. Michael Krantz

There’s no substitute for hard work, or “making your own luck.” Michael Krantz, one of New York’s top insurance producers, joined Sarah to talk about success and what drives him to keep going in this industry.
 
Find Michael Krantz Online:
LinkedIn: https://www.linkedin.com/in/michael-krantz-2004401b
Official Website: https://www.withavid.com/
 
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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule

We breakdown the 2025 Marketplace Proposed Rule and highlight what we think agents like you should know!
  
Read the text version
  
Contact our Under-65 Sales Team!
 
Resources:
CMS Finalizes Improvements to Marketplace Plan Selection with 2026 Final Rule: https://ritterim.com/blog/cms-finalizes-improvements-to-marketplace-plan-selection-with-2026-final-rule/
Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/
Everything You Need to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV
Lawsuit Changes DACA Recipients’ Affordable Care Act Eligibility: https://ritterim.com/blog/lawsuit-changes-daca-recipients-affordable-care-act-eligibility/
Learn with Knight School: https://ritterim.com/knight-school/
Meet Ritter’s Under-65 Sales Team: https://ritterim.com/meet-your-sales-team/
Steps to Get Ready for OEP: Federal Exchange States & State Based Exchanges: https://lnk.to/SyqM9T
 
References:  
“2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule Accessed 23 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.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Fact vs. Fiction: Examining the Medicare Part B Premium Giveback

Join the ASGPodcast as we talk about the Medicare Part B Premium Giveback, how it’s been overhyped and misrepresented, and how to stay compliant when talking about it.
 
Read the text version
 
Resources:
5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411
Do's and Don'ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647
How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C
What Not to Say During Medicare Educational and Sales Events: https://ritterim.com/blog/what-not-to-say-during-medicare-educational-and-sales-events/
 
References:
“Costs.” Medicare.Gov, Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 15 Apr. 2025.
“Misleading Medicare Marketing: What to Look Out For.” Ncoa.Org, National Council on Aging, www.ncoa.org/article/misleading-medicare-marketing-dont-be-fooled-during-medicare-open-enrollment/. Accessed 15 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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Community Engagement & ACA Marketing Suggestions for Agents

Get tips on how to get involved with your community, find potential ACA clients, and market your brand – all in this episode!
 
Read the text version
 
The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook Download
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 Crowd: https://lnk.to/asgf20250321
5 Things to Consider When Creating Your Personal Brand: https://lnk.to/asgf20250404
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
6 Ways to Generate ACA Leads: https://lnk.to/ASG663
ACA Consumer Authorization Form FREE PDF Download: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf
Apps for Content Creation: https://lnk.to/ASGA81
Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
Free Insurance eBooks & Guides: https://ritterim.com/guides/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Register with Ritter: https://app.ritterim.com/public/registration/
Shop at Ritter Insurance Marketing: https://shopritterim.com/
The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/
 
References:
“Age Distribution of Internet Users Worldwide 2024.” Statista.Com, https://www.statista.com/statistics/272365/age-distribution-of-internet-users-worldwide/. Accessed 14 Apr. 2025.
Instagram, https://www.instagram.com/. Accessed 14 Apr. 2025.
“Log in or Sign Up.” https://www.facebook.com/. Accessed 14 Apr. 2025.
“Make Your Day.” TikTok, https://www.tiktok.com/en/. Accessed 14 Apr. 2025.
“Most Popular Social Networks Worldwide as of February 2025, by Number of Monthly Active Users.” Statista.Com, Statista, Feb. 2025, www.statista.com/statistics/272014/global-social-networks-ranked-by-number-of-users/.
“The Growth Engine: Superior Customer Experience In ...” McKinsey.Com, https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/the%20growth%20engine%20superior%20customer%20experience%20in%20insurance/the_growth_engine_superior_customer_experience_in_insurance_may_2016.pdf. Accessed 14 Apr. 2025.
YouTube, YouTube, https://www.youtube.com/. Accessed 14 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.

How Plan Crosswalks Work in the ACA Marketplace

What are plan crosswalks in the Affordable Care Act Marketplace? Find out what this means for your clients and how agents can help in the process.
  
Read the text version
  
Register with Ritter: https://app.ritterim.com/public/registration/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Everything Agents Need to Know About Selling in Sate-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/  
Everything You Need to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/   
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 to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV
Knight School: https://ritterim.com/knight-school/
Steps to Get Ready for OEP: Federal Exchange States & State-Based Exchanges: https://lnk.to/SyqM9T
The Ritter Blog: https://ritterim.com/blog/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ 
Under-65 Health: https://ritterim.com/products/under-65/
What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/
 
References:
“2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule. Accessed 10 Apr. 2025.
“ECFR :: 45 CFR 164.512 -- Uses and Disclosures for Which an Authorization or Opportunity to Agree or Object Is Not Required.” Code of Federal Regulations, https://www.ecfr.gov/current/title-45/subtitle-A/subchapter-B/part-155/subpart-D/section-155.335. Accessed 8 Apr. 2025.
“Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 8 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.

Operating From a People-First Mentality ft. Scott Zimmerman

Putting others first in a me-first world? Scott Zimmerman joins Sarah to chat about this mentality that we’re all familiar with, and the powerful results it can have on your insurance business.
 
Find Scott Zimmerman Online:
Email: scott@corpstrat.com
Facebook: https://www.facebook.com/scott.zimmerman.75491
Instagram: https://www.instagram.com/thescottzimmerman/
LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12/ 
Official Website: https://www.corpstrat.com/ 
YouTube: https://www.youtube.com/channel/UCqxWt4UeW26lqlQ9Qdz3Uyw
 
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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

6 Ways to Generate ACA Leads

Expand your Affordable Care Act client base with these six lead generation strategies!
 
Read the text version
 
Register with Ritter: https://app.ritterim.com/public/registration/
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 from the 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/
Carriers with Ritter: https://ritterim.com/products/by-carrier/
Community Engagement & ACA Marketing Suggestions for Agents: https://ritterim.com/blog/community-engagement-aca-marketing-suggestions-for-agents/
How to Better Market Yourself: https://ritterim.com/blog/how-to-better-market-yourself/
Marketing & Incentives: https://ritterim.com/marketing-incentives/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Why Being a Likable Agent Is Good for Your Business: https://ritterim.com/blog/why-being-a-likable-agent-is-good-for-your-business/
 
References:
 “Children’s Health Insurance Program (CHIP).” Medicaid.Gov, https://www.medicaid.gov/chip. Accessed 3 Apr. 2025.
“CMS.Gov Enterprise Portal.” Portal.Cms.Gov, https://portal.cms.gov/portal/. Accessed 3 Apr. 2025.
“FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 3 Apr. 2025.
“FAQs for Marketplace Agents and Brokers.” AgentBrokerFaq.Cms.Gov, https://www.agentbrokerfaq.cms.gov/s/article/Where-can-I-update-my-public-facing-agent-broker-profile-information-so-that-consumers-can-find-me-and-request-assistance. Accessed 3 Apr. 2025.
“Find Local Help.” HealthCare.Gov, https://www.healthcare.gov/find-local-help/. Accessed 3 Apr. 2025.
“Get Help Applying & More.” HealthCare.Gov, https://www.healthcare.gov/find-assistance/. Accessed 3 Apr. 2025.
“Help on Demand: Training and Registration Guide.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 3 Apr. 2025.
Instagram, https://www.instagram.com/. Accessed 3 Apr. 2025.
“Log in or Sign Up.” Facebook, https://www.facebook.com/. Accessed 3 Apr. 2025.
“Log in or Sign Up.” LinkedIn, https://www.linkedin.com/home. Accessed 3 Apr. 2025.
 “Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, https://www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 3 Apr. 2025.
“Shop Health Insurance Overview.” HealthCare.Gov, https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/. Accessed 3 Apr. 2025.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 3 Apr. 2025.
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle

Ready to break out of your comfort zone and start scaling your insurance business? Christian Brindle, host of the Seven Figures or Bust podcast, joins Sarah to talk about next steps for agents, regardless of where you’re at in the industry today.
 
The 7 Figures or Bust Community:
Facebook Group: https://www.facebook.com/groups/551409828919739
Podcast: https://lnk.to/qxXT4M
Register for the Seven Figures Summit: https://sevenfiguremedicareagentsummit.com/
University: https://sevenfigureu.com/
 
Find Christian Brindle Online:
Instagram: https://www.instagram.com/christianbrindle/
LinkedIn: https://www.linkedin.com/in/christian-brindle-a4411ab4/
YouTube: https://www.youtube.com/channel/UCa1Nb2ZB5TbBJ3-jYO90chQ
 
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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Agent Requirements for ACA Sales

Discover the steps to get ready-to-sell in the Affordable Care Act Marketplace. We’re talking certifications, client authorization, and more!
 
Read the text version
 
Register with Ritter
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
ACA Forms:
ACA Consumer Authorization Live Call Script: https://ritterim.com/documents/aca-consumer-authorization-live-call-script.pdf
Eligibility Application Attestation: https://ritterim.com/documents/aca-eligibility-application-attestation.pdf
Eligibility Application Attestation Live Call Script: https://ritterim.com/documents/aca-consumer-eligibility-application-attestation-live-call-script.pdf
Marketplace Consent Form: https://ritterim.com/documents/aca-consumer-marketplace-authorization-form.pdf
 
Resources:
2025 ACA Exchange & FFM Certification Info: https://lnk.to/ZvnhS8
Contract & Get Appointment to Sell with Health Insurance Companies: https://ritterim.com/blog/contract-get-appointed-to-sell-with-health-insurance-companies/
Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/ (check podcast)
Free eBooks & Guides: https://ritterim.com/guides/
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 Become Certified for Aca Marketplace Sales with Federally Facilitated Marketplace (FFM) Training) https://ritterim.com/blog/how-to-become-certified-for-aca-marketplace-sales-with-federally-facilitated-marketplace-ffm-training/ (check podcast version)
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
New Required Documents Agents Need for ACA Sales: https://ritterim.com/blog/new-required-documents-agents-need-for-aca-sales/
OEP Ready-to-Sell Checklist for New Agents: https://ritterim.com/documents/oep-ready-to-sell-checklist.pdf
Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/
The Ritter Blog: https://ritterim.com/blog/
The Ritter Platform: https://ritterim.com/the-ritter-platform/
Under-65 Health: https://ritterim.com/products/under-65/
 
References:
“CMS Update on Actions to Prevent Unauthorized Agent and Broker Marketplace Activity.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/press-releases/cms-update-actions-prevent-unauthorized-agent-and-broker-marketplace-activity. Accessed 31 Mar. 2025.
“Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 31 Mar. 2025.
“The Marketplace in Your State.” HealthCare.Gov, https://www.healthcare.gov/marketplace-in-your-state/. Accessed 31 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.

5 Myths About Selling ACA Health Insurance Plans

Don’t let fear hold you back from expanding your business! The under-65 market is brimming with opportunities. That’s why we’re debunking 5 common myths about the ACA market to help you get started.
  
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:
6 Reasons Insurance Agencies Selling Medicare Products Should Sell ACA: https://ritterim.com/blog/6-reasons-insurance-agencies-selling-medicare-products-should-sell-aca/
8 Reasons Why Insurance Agents Should Sell ACA Plans: https://lnk.to/SNNOSG
ACA 101 Selling Under-65 Health Insurance: https://lnk.to/chQNkw
FAQs About ACA Certification and Training: https://ritterim.com/blog/faqs-about-aca-certification-and-training/
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 to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training: https://ritterim.com/blog/how-to-become-certified-for-aca-marketplace-sales-with-federally-facilitated-marketplace-ffm-training/
How Much Can Agents Make Selling Under-65 Insurance?: https://lnk.to/TlGBGH
Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://lnk.to/UXgO5Q
Lawsuit Changes DACA Recipients’ Affordable Care Act Eligibility: https://ritterim.com/blog/lawsuit-changes-daca-recipients-affordable-care-act-eligibility/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Ritter Docs Site: https://docs.ritterim.com/
Simplify Marketplace Enrollments with HealthSherpa: https://lnk.to/2chDBN
 
References:
“Eligibility for the Premium Tax Credit.” IRS, Internal Revenue Service, https://www.irs.gov/affordable-care-act/individuals-and-families/eligibility-for-the-premium-tax-credit/. Accessed 21 Mar. 2025
FAQs for Marketplace Agents and Brokers, CMS,  https://www.agentbrokerfaq.cms.gov/s/. Accessed 21 Mar. 2025.
“Find out What Immigration Statuses Qualify for Coverage in the Marketplace.” HealthCare.Gov, https://www.healthcare.gov/immigrants/immigration-status/. Accessed 21 Mar. 2025.
“General Resources.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/marketplace/agents-brokers/general-resources. Accessed 21 Mar. 2025.
“Learn What to Do If You Already Have Medicare Health Coverage.” HealthCare.Gov, https://www.healthcare.gov/medicare/medicare-and-the-marketplace/. Accessed 21 Mar. 2025.
“The Patient Protection and Affordable Care Act.” Democrats.Senate.Gov, https://www.dpc.senate.gov/healthreformbill/healthbill04.pdf. Accessed 21 Mar. 2025.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 21 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.

Building the Foundation for Success ft. Roy Snarr

What does success look like for your insurance business? For Roy Snarr, it starts with building a solid foundation. Listen to learn more about Roy’s story and the advice he has for insurance agents.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Find Roy Snarr Online:
Annuity Producers: https://www.annuityproducers.com/
Facebook: https://www.facebook.com/roysnarrretirementsolutions
LinkedIn: https://www.linkedin.com/company/sfi-snarr-financial-insurance-services/
Website: https://roysnarr.com/
 
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.

A Quick Guide to Understanding Universal Life Insurance

Universal life insurance can be confusing for clients. In this episode we break down the three main types and helpful tips for educating clients!
   
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:
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.
 
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. 
 

FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference?

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!
 
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:
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/
 
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.