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.
 
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💌 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/.
 
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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.

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.
 
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🤝 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
 
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Not affiliated with or endorsed by Medicare or any government agency.

The 4th quarter is here and AEP 2027 is just around the corner! Listen to learn about what agents should focus on in Q4, from important dates to content suggestions for the busy enrollment season.
 
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💌 Questions? Feedback? Topic suggestions? Email us! ASGPodcast@Ritterim.com
 
Resources:
7 Reasons Clients Switch Medicare Plans During AEP
Escaping the Procrastination Station
How to Stay Top of Mind & Build Trust That Drives Growth ft. Bjorn Piltingsrud and Andrew Salksa
Learn More About IntegrityCONNECT
Ritter & Integrity Solutions for Industry Disruption in 2027
Ritter Insurance Marketing Resource Links
Turning Life Changes into Sales Opportunities ft. Bobby Nerem & Danica Stover
 
References:
“National Day Calendar.” Nationaldaycalendar.Com, National Day Calendar, 5 May 2026, nationaldaycalendar.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, 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.

Building a relationship with a client is just like any other relationship—it needs to start with a strong foundation. In this episode of the ASG Podcast, we’re going to be showing you what behaviors a client will appreciate in an agent
 
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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:
Are You Offering Multiple LTC Insurance Options?
Boost Business Selling Hospital Indemnity Insurance
Handling Difficult Clients: Tips for Agents
How Field Agents Can Differentiate from Call Centers
How to Prevent Insurance Agent Negligence
How to Retain Insurance Customers
Medicare Advantage Open Enrollment Do's and Don'ts
Ritter AEP Reflection Sheet
Ritter Follow-Up One Sheet
Ritter Follow-Up Guide
The Complete Guide to Client Loyalty and Retention
 
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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.

Whether you’re starting your own insurance agency or have been at it for awhile, it’s important to make sure you’re not getting in your own way. On this episode of the Agent Survival Guide, we’ll share some key tips that can put you and your agency on the path to success.
 
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🤝 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:
Best Practices for Training Downline Agents
Digital Marketing for Insurance Agents: Our Top Tips to Boost Business
Everything You Get With Your Ritter Registration
How to Recruit Insurance Agents to Your Downline
IntegrityCONNECT
What Insurance License Do You Need? A Guide for Agents
PlanEnroll
 
References:
“The 5 Best Trademark Services in the USA.” Emanus, 13 Sept. 2025, emanus.com/best-trademark-services-usa/.
O’Reilly, Dennis. “10 Best Accounting Software – Forbes Advisor.” 10 Best Accounting Software, 19 May 2026, www.forbes.com/advisor/business/software/best-accounting-software/.
Ryan, Emma. “Best 5 Website Builders for 2026: My Tried & Tested Picks.” Website Builder Expert, 5 May 2026, www.websitebuilderexpert.com/website-builders/.
Luthi, Ben. “Can You Use a Personal Credit Card to Start a Business? | Credit Cards | U.S. News.” Can You Use a Personal Credit Card to Start a Business?, 26 May 2022, money.usnews.com/credit-cards/articles/can-you-use-a-personal-credit-card-to-start-a-business.
“Choose a Business Structure.” U.S. Small Business Administration, www.sba.gov/business-guide/launch-your-business/choose-business-structure. Accessed 15 June 2026.
“Employer Identification Number.” Internal Revenue Service, www.irs.gov/businesses/employer-identification-number. Accessed 15 June 2026.
“Get an Employer Identification Number.” Internal Revenue Service, www.irs.gov/businesses/small-businesses-self-employed/get-an-employer-identification-number. Accessed 15 June 2026.
“How to Start an Insurance Agency: A Step-by-Step Guide.” Brightway, 23 June 2025, www.brightway.com/news/starting-an-insurance-agency-guide.
“Insurance Licensing Directory.” AgencyEquity, www.agencyequity.com/listing-categories/insurance-licensing-directory. Accessed 15 June 2026.
“Register Your Business.” U.S. Small Business Administration, www.sba.gov/business-guide/launch-your-business/register-your-business. Accessed 15 June 2026.
“Ritter Agents - Schedule a Demo.” AgentMethods, www.agentmethods.com/ritter-agents/. Accessed 15 June 2026.
“Stanford Guidelines for Web Credibility.” The Web Credibility Project: Guidelines - Stanford University, credibility.stanford.edu/guidelines/index.html. Accessed 15 June 2026.
“Streamlined Insurance Licensing & Compliance Monitoring.” NIPR, nipr.com/. Accessed 15 June 2026.
Gupta, Mayank. “Top Startup Business Consultant Firms for 2026 Success.” CaseBasix, 19 Jan. 2026, www.casebasix.com/pages/top-startup-business-consultant-firms.
Upwork | Hire Top Freelance Talent with Confidence, www.upwork.com/. Accessed 15 June 2026.
USPTO Office of Public Affairs (OPA). United States Patent and Trademark Office, 12 May 2026, www.uspto.gov/.
“What Is a Trademark?” United States Patent and Trademark Office, 30 Nov. 2023, www.uspto.gov/trademarks/basics/what-trademark.
“Write Your Business Plan.” U.S. Small Business Administration, www.sba.gov/business-guide/plan-your-business/write-your-business-plan. Accessed 15 June 2026.
 
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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.

Misconceptions about insurance can sometimes get in the way of both the agent selling the plans and the client who is browsing the insurance market. In this episode of the Agent Survival Guide Podcast, we’re here to help you decode the facts from the fiction.
 
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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:
2027 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
How Ask Integrity Can Streamline Your Medicare Sales Appointments
How Medicare Helps Your Clients Stay Healthy
IntegrityCONNECT
PlanEnroll
Ready to Join an FMO? 10 Things to Consider
Ritter Can Help You Stay in Touch with Your Clients
Ritter Insurance Marketing homepage
What Is AHIP Certification and How Do I Get It?
 
References:
Centers for Medicare & Medicaid Services. (2026, March 26). Agent broker compensation. CMS.gov. https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation
Medicare Rights Center. (2025, March 28). Medicare eligibility for those under 65 - medicare interactive. Medicare Interactive. https://www.medicareinteractive.org/understanding-medicare/the-basics/medicare-eligibility-overview/medicare-eligibility-for-those-under-65
National Archives and Records Administration. (2026a, July 16). 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. (2026b, July 16). Part D communication requirements. Code of Federal Regulations. https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V
U.S. Centers for Medicare & Medicaid Services. (n.d.). Avoid late enrollment penalties. Medicare.gov. https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties
Wagner, S. (2025, January 28). The U.S. has reached the peak of Peak 65 it’s time to apply retirement readiness lessons from the boomer experience. PR Newswire. https://www.prnewswire.com/news-releases/the-us-has-reached-the-peak-of-peak-65-its-time-to-apply-retirement-readiness-lessons-from-the-boomer-experience-302360086.html
 
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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/ 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.

In this episode of the Agent Survival Guide podcast, we teach agents five unique ways to help them find new clients in the insurance world. While most agents would think of your typical ways to find new sales, we’re teaching them how to make waves and stand out in the crowd.
 
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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:
Affinity Partnerships for Insurance Agents
IntegrityCONNECT
IntegrityCONNECT Leads
Ritter Insurance Marketing Content Library
Ritter & ReminderMedia Partnership Offers Agents Insurance Marketing Solutions
ShopRitterIM
What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales
 
References:
Custom ink. CustomInk. (n.d.). https://www.customink.com/
Forman-Katz, N. (2023, August 17). Key facts about the US radio industry and its listeners for National Radio Day. Pew Research Center. https://www.pewresearch.org/short-reads/2023/08/17/for-national-radio-day-key-facts-about-radio-listeners-and-the-radio-industry-in-the-us/
Joshi, V. (2024, August 22). Council post: The power of generosity: How giving back drives business growth. Forbes. https://www.forbes.com/councils/forbesbusinesscouncil/2024/08/22/the-power-of-generosity-how-giving-back-drives-business-growth/
Lamar Advertising. (n.d.). Lamar Advertising. Billboard Advertising. https://lamar.com/en/products/billboards
Planenroll. PlanEnroll. (n.d.). https://www.planenroll.com/
Vistaprint. VistaPrint. (n.d.). https://www.vistaprint.com/signs-posters/yard-signs
 
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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/ 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.

Now that you’ve completed your FFM certification, what’s next? Continue your learning with our list of resources! Launch into ACA sales by increasing your knowledge of the marketplace. In this episode, we’ll teach you what you need to know about selling Affordable Care Act plans.
 
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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:
ACA 101: Selling Under-65 Health Insurance
Community Engagement & ACA Marketing Ideas for Agents
How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training
Ritter Insurance Marketing Events
Ritter Insurance Marketing Knight School
Ritter Insurance Marketing Sales Team
Simplify Marketplace Enrollments with HealthSherpa
The State of the ACA Market in 2026
What the Stay on 2025 ACA Final Rule Changes Means
 
References:
ACA quoting and enrollment platform - healthsherpa. HealthSherpa. (n.d.). https://www.healthsherpa.com/agents/features/agencies  
AHIP homepage. AHIP. (n.d.-a). https://www.ahip.org/  
The Center on Budget and Policy Priorities. (n.d.). Homepage. cbpp.org. https://www.cbpp.org/  
The Center on Budget and Policy Priorities. (n.d.-a). Home page - beyond the basics. Beyond the Basics. https://www.healthreformbeyondthebasics.org/  
The Center on Budget and Policy Priorities. (n.d.-b). Special enrollment periods (SEP) reference chart - beyond the basics. Beyond the Basics. https://www.healthreformbeyondthebasics.org/sep-reference-chart/  
The Center on Budget and Policy Priorities. (n.d.-c). Yearly income guidelines and thresholds - beyond the basics. Beyond the Basics. https://www.healthreformbeyondthebasics.org/reference-guide-yearly-thresholds/  
Health Insurance Exchanges and the Affordable Care Act (ACA) - ahip. AHIP. (n.d.-b). https://www.ahip.org/courses/health-insurance-exchanges-and-the-affordable-care-act-aca
Welcome to the Health Insurance Marketplace®. healthcare.gov. (n.d.). https://www.healthcare.gov/  
 
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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/ 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.

If you're thinking about becoming an insurance agent, you may be thinking about what can come along with the career change? What are some of the perks you might discover, and what downsides could sneak up on you? in this episode of The Agent Survival Guide Podcast, we help you weigh the good of becoming an insurance agent against the bad.
  
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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:
5 Perks of Being a Part-Time Insurance Agent
5 Reasons Why Ritter Should Be Your FMO Insurance Agency
2027 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
Diversify Your Insurance Portfolio & Reap Real Rewards
Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent
Get Your ACA Insurance Sales Contracts Here — Recommendations for 2026
How Insurance FMOs Work
How Much Can Agents Make Selling Under-65 Insurance?
How Much Can Insurance Agents Make Selling Medicare?
How Professional Organizations Make You a Better Agent
Interview: Relationship Marketing Strategies for Insurance Agents
The Advantages of Being a Field vs. Call Center Insurance Agent
Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource
Your Step-By-Step Guide to Getting Started in Insurance Sales
 
References:
Cubanski, J. (2025, October 7). A current snapshot of the medicare part D prescription drug benefit | KFF. KFF. https://www.kff.org/medicare/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/
Marketplace 2025 open enrollment period report: National snapshot | CMS. CMS.gov. (2025, January 17). https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2
Marketplace 2026 open enrollment period report: National snapshot | CMS. CMS.gov. (2026, January 12). https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0
Rosanes, M. (2024, January 22). Want to build a career selling insurance? here are the pros and Cons | Insurance Business. Insurance Business. https://www.insurancebusinessmag.com/us/guides/want-to-build-a-career-selling-insurance-here-are-the-pros-and-cons-473774.aspx
 
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.

Heard any of these myths about selling ACA plans? We’re debunking the rumors and delivering facts on ACA insurance sales. Listen as we set the record straight here on the Agent Survival Guide Podcast!
 
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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:
6 Reasons Insurance Agencies Selling Medicare Products Should Sell ACA
8 Reasons Why Insurance Agents Should Sell ACA Plans
ACA 101: Selling Under-65 Health Insurance
FAQs About ACA Certification and Training
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans
How Much Can Agents Make Selling Under-65 Insurance?
How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training
Meet Your Sales Team
Ritter Insurance Marketing Blog
Simplify Marketplace Enrollments with HealthSherpa
 
References:
Centers for Medicare & Medicaid Services. (2024, December 11). General Resources | CMS. CMS.gov. https://www.cms.gov/marketplace/agents-brokers/general-resources
Centers for Medicare & Medicaid Services. (n.d.). FAQs for Marketplace Agents and Brokers. CMS.gov. https://www.agentbrokerfaq.cms.gov/s/
Health Insurance Marketplace. (n.d.-a). Immigrants. healthcare.gov. https://www.healthcare.gov/immigrants/immigration-status/
Health Insurance Marketplace. (n.d.-b). Medicare and the Marketplace. healthcare.gov. https://www.healthcare.gov/medicare/medicare-and-the-marketplace/
Health Insurance Marketplace. (n.d.-c). The Marketplace in your state. healthcare.gov. https://www.healthcare.gov/marketplace-in-your-state/
Health Insurance Marketplace. (n.d.-d). Welcome to the Health Insurance Marketplace® | healthcare.gov. healthcare.gov. https://www.healthcare.gov/
Home | The Senate Democratic Caucus. (n.d.). https://www.democrats.senate.gov/
IRS. (2025, November 5). Eligibility for the Premium Tax Credit. irs.gov. https://www.irs.gov/affordable-care-act/individuals-and-families/eligibility-for-the-premium-tax-credit
 
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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/ 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.

Life stage changes bring opportunities to talk with your clients about their coverage. Bobby Nerem and Danica Stover explain how leveraging this strategy adds real value to client interactions. Even better? They explain how naturally agents can cross-sell both life and under-65 health insurance through every stage of life.
 
Visit the Life & Annuities Resource Center
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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:
Annuity Training (LARC)
Fact-Finder PDF Download
Life and Annuity Resource Center (LARC)
Life Insurance for Each of Life’s Stages
Life Training (LARC)
 
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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.

Referrals are a powerful lead generating tool, especially for insurance agents! Find out more in this explainer on referral marketing how to implement this strategy into your insurance business.
 
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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:
How Insurance Agents Can Learn About Their Social Media Audiences
INtegrityCONNECT
Ritter Blog
ShopRitterIM
The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships
Where It All Begins: Obtaining Permission to Contact for Medicare Sales
Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource
 
References:
Canva
Medicare Marketing Guidelines | CMS. Centers for Medicare & Medicaid Services. (2024, October 9). https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines
Microsoft Word
 
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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/ 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.

When your client has diabetes, what does (and doesn’t) Medicare cover? We talk about how diabetes treatments, supplies, and services are covered by the different parts of Medicare so you can help your clients know what to expect.
 
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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:
Content Library: How Does Medicare Insurance Cover Diabetes?
Does Medicare Cover Durable Medical Equipment? A Guide for Agents
How Ask Integrity Can Streamline Your Medicare Sales Appointments
How Medicare Helps Your Clients Stay Healthy
The Advisor Approach: Cross-Selling by Fact-Finding
The Beginner’s Guide to C-SNPs
The Guide to Prospecting and Selling C-SNPS
Request Your Portfolio Review from Ritter Insurance Marketing
Save Time. Sell More with IntegrityCONNECT
What the Inflation Reduction Act Means for Your Medicare & ACA Clients
 
References:
“3 Things to Know About Medicare Insulin Costs.” Medicare, www.medicare.gov/publications/12172-3-things-to-know-about-medicare-insulin-costs.pdf. Accessed 9 June 2026.
“Can I Get a Medigap Plan If I Have Diabetes?” RSS, Sams Hockaday & Associates, www.samshockaday.com/blog/can-i-get-a-medigap-plan-if-i-have-diabetes. Accessed 9 June 2026.
Facing the Diabetes Cost Crisis: A Guide for Employers, American Diabetes Association, diabetes.org/sites/default/files/2024-10/Facing-Diabetes-Costs-Crisis.pdf. Accessed 9 June 2026.
“Insulin.” Medicare, www.medicare.gov/coverage/insulin. Accessed 9 June 2026.
“Medicare Coverage of Diabetes Supplies, Services, & Prevention Programs Booklet” Medicare, www.medicare.gov/publications/11022-medicare-coverage-of-diabetes-supplies-services-and-prevention-programs.pdf. Accessed 9 June 2026.
“Medicare Coverage of Diabetes Supplies Fact Sheet” Medicare Learning Network, Center for Medicare & Medicaid Services, Feb. 2026, www.cms.gov/files/document/mln7674574-medicare-coverage-diabetes-supplies.pdf.
“Statistics About Diabetes.” Diabetes in America: Prevalence, Statistics, and Economic Impact, American Diabetes Association, diabetes.org/about-diabetes/statistics/about-diabetes. Accessed 9 June 2026.
 
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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.

In the insurance industry, if your job begins and ends with meeting clients and selling insurance, you’re missing out on opportunities. In this episode, we’re exploring what empowerment is and how it can help embed you in your community for long-lasting and valuable partnerships.
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🤝 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:  
3 Essential Steps New Insurance Agents Need to Take
17 Ways to Generate Medicare Leads (That You Probably Haven’t Tried Yet!)
Community-Based Marketing for Insurance Agents
Content Library Best Practices
The Definitive Guide to Getting Leads and Prospecting for Medicare Sales
How to Organize a Turning 65 Seminar on a Budget
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
IntegrityCONNECT
PlanEnroll
Ritter Insurance Marketing’s Content Library
ShopRitterIM
ShopRitterIM T65 Lead Mailer
 
References:
Empowerment - ResearchGate, www.researchgate.net/publication/316451077_Empowerment. Accessed 16 Apr. 2026.
“Get Started with Medicare.” Medicare, www.medicare.gov/basics/get-started-with-medicare. Accessed 16 Apr. 2026.
Hanna, Katie Terrell. “What Is Affinity Marketing?: Definition from TechTarget.” WhatIs, TechTarget, 2 May 2024, www.techtarget.com/whatis/definition/affinity-marketing.
“Independence and Older Adults: Importance and Promoting It.” Medical News Today, MediLexicon International, www.medicalnewstoday.com/articles/independence-and-the-elderly. Accessed 16 Apr. 2026.
 
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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.

Are your expectations grounded in reality? Or, are you setting yourself up for disappointment? Goals are great, smart goals are even better, but we often equate goals with expectations and wind up frustrated when the two don’t match up. Listen to learn how to avoid the pitfall of unrealistic expectations and the actions you can take instead.
 
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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:
How Insurance Agents Can Set SMART Goals to Succeed
4 Effective Techniques for Closing Insurance Sales
How to Overcome Common Medicare Insurance Sales Objections
5 Common Sales Mistakes You Might Be Making (And How to Fix Them!)
3 Additional Effective Techniques for Closing Insurance Sales
What’s Inside The Complete Guide on How to Sell Medicare Advantage Plans?
This Is the Time to Start Selling Under-65 Marketplace Plans!
There's More to Life Insurance Than Just a Policy
How Much Money Can Agents Make Selling Ancillary Health Insurance?
Diversify Your Insurance Portfolio & Reap Real Rewards
What’s Inside A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products?
 
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.