Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo

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

The Pros and Cons of Working with Regional and National Carriers

Is business growth on your 2025 goals list? Don't miss this episode! We outline features and drawbacks of the different carrier types to help you fill in portfolio gaps.
 
Read the text version
 
Request your Free Portfolio Review from the team at Ritter
 
Resources:
Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025
Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651
Learn more about Integrity Tools: https://ritterim.com/integrity-tools/
Meet the Ritter Sales Team: https://ritterim.com/meet-your-sales-team/
Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025
Portfolio Review Request: https://ritterim.com/portfolio/?utm_source=asg_podcast_link
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/?utm_source=asg_podcast_link
Ritter Insurance Marketing Carriers by State: https://ritterim.com/products/by-carrier/
Ritter Platform: https://app.ritterim.com/
Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D

This just in: CMS 2026 maximum broker commissions for Medicare Advantage and Medicare Part D. Listen to learn more about commission structure and the caps writing MA and PDP business in your market for the upcoming 2026 plan year.
 
Read the text version
 
Resources:
AHIP 2026 Certification Dates: https://lnk.to/asgf20250516
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/
How to Avoid Using Elderspeak: https://lnk.to/asgf20250530
Reach out to the team at Ritter Insurance Marketing: https://ritterim.com/meet-your-sales-team/ 
Reassuring Your Clients During Difficult Times: https://lnk.to/asg671
What is AHIP Certification and How Do I Get It? https://lnk.to/asg672
 
References:
“2026 Medicare Advantage and Part D Rate Announcement.” CMS.Gov, CMS, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement.
Agent Broker Compensation and Training and Testing Requirements CY2026: https://ritterim.com/documents/cms-memos/memo-agent-broker-compensation-and-training-and-testing-requirements-cy2026.pdf
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

FAQs About NABIP Medicare Certification

Join Sarah and Tina as they review frequently asked questions about NABIP Medicare Certification. Don’t miss out on resources to help you get ready-to-sell!
 
Read the text version
 
NABIP Official Website: https://www.nabiptraining.org/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://lnk.to/cdV0H1
Making Your Own Luck ft. Michael Krantz: https://lnk.to/krantz2025
Survive AEP with Ritter Insurance Marketing: https://ritterim.com/aep/
The Survivor’s AEP Checklist: https://ritterim.com/blog/the-survivors-aep-checklist/ 
What is AHIP Certification and How Do I Get It? https://lnk.to/asg672
 
References:
“Approved Carriers for 2025.” NABIP.Org, https://www.nabiptraining.org/nabip/carriers. Accessed 5 June 2025.
“Corporate Partnership.” NABIP, https://nabip.org/membership/corporate-partnership. Accessed 5 June 2025.
“Course Credit Details.” NABIP.Org, https://www.nabiptraining.org/site/courseDetails/1777. Accessed 5 June 2025.
“Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” Ahipmedicaretraining.Com, https://www.ahipmedicaretraining.com/. Accessed 5 June 2025.
“Medicare, Medicare Advantage, and Compliance Requirements User Guide” NABIP.Org, https://nabip.org/media/8564/nabip-ma-user-guide.pdf . Accessed 5 June 2025.
“State Rules for Insurance Continuing Education.” NABIP.Org, https://www.nabiptraining.org/site/staterules. Accessed 5 June 2025.
 
Follow Us on Social! 
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

AHIP Test Tips and Tricks for Medicare Certification

Certification season is here! Learn more about the AHIP test including how to prepare yourself, tips, tech hacks, and more. Listen before you begin your first attempt, you'll be glad you did!
 
Read the text version
 
Have questions about AHIP Certification? Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Contact Ritter Insurance Marketing: https://ritterim.com/contact/
How to Survive AEP: Wellness Tips for Insurance Agents: https://ritterim.com/blog/how-to-survive-aep-wellness-tips-for-insurance-agents/
Medicare Part D - Could Be Just What the Doctor Ordered: https://ritterim.com/blog/medicare-part-d-could-be-just-what-the-doctor-ordered/
What Does 'Ready-to-Sell' Mean for Medicare Agents? https://ritterim.com/blog/what-does-ready-to-sell-mean-for-medicare-agents/
What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672
Why Insurance Agents Fail (& How Not To!): https://ritterim.com/blog/why-insurance-agents-fail-how-not-to/  
Why You Need to Make Time for Medicare Agent Training: https://ritterim.com/blog/why-you-need-to-make-time-for-medicare-training-and-where-to-find-great-resources/
 
References:
Oppido, Luigi. “How to Connect a Laptop to a Monitor.” wikiHow.Com, wikiHow, 20 Apr. 2025, www.wikihow.com/Connect-a-Laptop-to-a-Monitor.
“Positive Thinking: Stop Negative Self-Talk to Reduce Stress.” Mymlc.Com, Mosaic Life Care, www.mymlc.com/health-information/articles/p/positive-thinking-stop-negative-self-talk-to-reduce-stress/. Accessed 29 May 2025.
“The Impact of Stress on Our Health: How Can We Manage Stress in a Healthy Way?” Insightspsychology.Org, Insights Psychology, 28 Oct. 2024, insightspsychology.org/impact-of-stress-on-health-healthy-stress-management/.
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

The Pros and Cons of Selling Insurance

Thinking about becoming an insurance agent? In this episode, we weigh the pros and cons of selling insurance, so you’ll have the information you need before you make that big decision!
 
Read the text version
 
Get Started by Registering with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
 
Learn More with These Resources:
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Update: https://lnk.to/dFX1s1
2025 State of the Senior Market Address: In Review: https://ritterim.com/blog/2025-state-of-the-senior-market-address-in-review/
5 Perks of Being a Part-Time Insurance Agent: https://lnk.to/YGJ3KX
Agent Survival Guide Podcast: https://lnk.to/asgpodcast
Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/ 
Contact the Ritter Sales Team: https://ritterim.com/contact/
Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/
Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF  
How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/?utm_source=asg_podcast_link
How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH
How Much Can Insurance Agents Make Selling Medicare? https://ritterim.com/blog/how-much-can-insurance-agents-make-selling-medicare/
How Professional Organizations Make You a Better Agent: https://ritterim.com/blog/how-professional-organizations-make-you-a-better-agent/ 
REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl
Ritter Insurance Marketing eBooks & Guides: https://ritterim.com/guides/
Ritter Insurance Marketing Events: https://ritterim.com/events/
The Advantages of Being a Field vs. Call Center Insurance Agent: https://ritterim.com/blog/the-advantages-of-being-a-field-vs-call-center-insurance-agent/ 
The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/?utm_source=asg_podcast_link
Your Step-By-Step Guide to Getting Started in Insurance Sales: https://ritterim.com/free-guide/?utm_source=asg_podcast_link
 
References:
Cubanski, Juleette. “A Current Snapshot of the Medicare Part D Prescription Drug Benefit.” KFF.Org, KFF, 9 Oct. 2024, www.kff.org/medicare/issue-brief/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/.
“Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2.
Rosanes, Mark. “Want to Build a Career Selling Insurance? Here Are the Pros and Cons.” Insurance Business America, Insurance Business, 22 Jan. 2024, 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/ 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.

4 Steps to Selling Dental, Vision, and Hearing Insurance

Be sure your clients are aware of their dental, vision, and hearing coverage options. We outline 4 steps to help you educate clients and pitch products!
 
Read the text version
  
Resources:
3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656
4 Ancillary Cross-Sales to Show Clients You Care: https://lnk.to/asg670
4 Ways Insurance Agents Should Be Utilizing Ask Integrity: https://ritterim.com/blog/4-ways-insurance-agents-should-be-utilizing-ask-integrity/
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/
Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025
 
References:
“The Importance of Eye Care and Annual Exams – Tapestry 360 Health.” Tap360Health.Org, Tapestry 360 Health, https://tap360health.org/the-importance-of-eye-care-and-annual-exams/. Accessed 15 May 2025.
“Why Dental Care Is Important for Your Overall Health.” Hospital.Uillinois.Edu, UI Health - UIC - Mile Square Health Center, https://hospital.uillinois.edu/mile-square-health-center/patient-resources/blog-and-news/dental-health-is-important. Accessed 15 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.

The Difference Between Medicare & Medicaid: What That Means for Insurance Agents

 
Wondering what the difference between Medicare and Medicaid is? Learn all about it in this episode!
 
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
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/
FREE DOWNLOAD – The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/
How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH
Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
Ritter Insurance Marketing: https://ritterim.com/ 
 
References:
Alice Burns, Elizabeth Hinton. “10 Things to Know about Medicaid.” KFF, 10 Apr. 2025, https://www.kff.org/medicaid/issue-brief/10-things-to-know-about-medicaid/.
Nall, Rachel. “Am I Eligible for Medicare Part D?” Medicalnewstoday.com, Medical News Today, 21 Apr. 2020, https://www.medicalnewstoday.com/articles/am-i-eligible-for-medicare-part-d.
“Compare Original Medicare & Medicare Advantage.” Medicare.Gov, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/your-coverage-options/compare-original-medicare-medicare-advantage. Accessed 15 May 2025.
(DCD), Digital Communications Division. “What’s the Difference between Medicare and Medicaid?” HHS.Gov, U.S. Department of Health and Human Services, 7 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/what-is-the-difference-between-medicare-medicaid/index.html.
“Does Medicaid Cover Dental Care?” HHS.Gov, U.S. Department of Health and Human Services, 8 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/does-medicaid-cover-dental-care/index.html.
“Medicare Adult Dental Benefits Coverage by State.” Chcs.org, Center for Health Care Strategies, Inc., Sept. 2019, https://www.chcs.org/media/Medicaid-Adult-Dental-Benefits-Overview-Appendix_091519.pdf
“What’s the Difference between Medicare Part a and Part B?” Healthline, 25 Feb. 2020, https://www.healthline.com/health/medicare/medicare-part-a-vs-b.
‌”Understanding Medicare Advantage Plans.” Medicare.gov, Feb. 2025, https://www.medicare.gov/publications/12026-understanding-medicare-advantage-plans.pdf
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

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.