Agent Survival Guide Podcast
Portfolio
Episodes
Wednesday Feb 25, 2026
Wednesday Feb 25, 2026
After the grind of Annual Enrollment, the reality of lock-in can be a little defeating, even for the most seasoned agents. If you’ve been feeling that way, listen to learn more about Special Needs Plans and their place in your post-AEP strategy.
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📧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:
2026 D-SNP Market Snapshot
4 Myths About Dual Eligible Special Needs Plan (D-SNP) Sales
Carriers Partnered with Ritter
5 Ways to Generate Medicare Leads
Diversify Your Insurance Portfolio & Reap Real Rewards
Do's and Don'ts of Medicare Compliance
Stay Busy Outside of AEP With Special Enrollment Periods
The Beginner's Guide to D-SNPs
The Complete Guide on How to Sell D-SNPs
The Guide to Prospecting and Selling C-SNPS
Things to Think About Post-AEP
References:
“U.S. Enrollment and Spending for Dual-Eligible Individuals.” KFF.org, KFF, https://www.kff.org/interactive/state-profiles-for-dual-eligible-individuals/united-states/enrollment-and-spending-for-dual-eligible-individuals/, Accessed 26 Jan. 2026.
“Your 101 Guide to Dual Eligibility in 2025.” Spark Advisors, Spark Advisors, 28 May 2025, www.sparkadvisors.com/resource/your-101-guide-to-dual-eligibility-in-2025.
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Feb 18, 2026
Wednesday Feb 18, 2026
Have a client that wants to switch Med Supp plans? If they live in a Med Supp birthday rule state, it might be easier than you think! Learn more about the states and their rules in this ASG Podcast episode.
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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:
8 Strategies to Prevent Rapid Disenrollments from Medicare Plans
2016 vs. 2026: The Insurance Edition
A Comprehensive Guide to Medicare Supplement Underwriting
CMS 2027 MA & Part D Advance Notice
Medicare Advantage Trial Rights Explained for Agents
References:
“10 Things You Should Know About Buying a Medigap policy in Utah.” Insurance.utah.gov, Utah Insurance Department, https://insurance.utah.gov/consumers/health-insurance/medicare/. Accessed 2 Feb. 2026.
“AB 250 Medicare Supplement “Birthday Rule” Nevada.” Doi.nv.gov, Nevada Department of Insurance, https://doi.nv.gov/uploadedFiles/doi.nv.gov/Content/Insurers/Life_and_Health/AB%20250%20Guidance.pdf. Accessed 2 Feb. 2026.
“California Med Supp Birthday Rule.” Insurance.ca.gov, California Department of Insurance, https://www.insurance.ca.gov/0150-seniors/0100alerts/SA-01-10B.cfm. Accessed 2 Feb. 2026.
“Can I change my Medigap policy?” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/change-policies. Accessed 2 Feb. 2026.
“Compare Medigap Plan Benefits.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 2 Feb. 2026.
“Delaware Med Supp Birthday Rule.” Legis.deleware.gov, Delaware General Assembly, https://legis.delaware.gov/BillDetail/141935. Accessed 2 Feb. 2026.
“Expert: More Medicare plan options available to seniors.” Wyomingnews.com, Wyoming Tribune Eagle, 13 Aug. 2025, https://www.wyomingnews.com/news/local_news/expert-more-medicare-plan-options-available-to-seniors/article_da163542-25c0-49c9-8683-a8e81332c1d7.html.
“Idaho Recent Changes to Medicare Supplement Law and Rules.” Doi.idaho.gov, Idaho Department of Insurance, https://doi.idaho.gov/shiba/new-to-medicare/medicare-supplement-medigap/recent-changes-to-medicare-supplement-law-and-rules/. Accessed 2 Feb. 2026.
Haass, David. “Illinois Birthday Rule for Medicare Supplement Plans.” Medicarefaq.com, Medicare FAQ, https://www.medicarefaq.com/blog/illinois-birthday-rule/. Accessed 2 Feb. 2026.
“Indiana Med Supp Birthday Rule.” Indianahousedemocrats.org, Indiana House Democratic Caucus, https://www.indianahousedemocrats.org/news/dant-chesser-bill-to-create-options-for-medicare-supplement-insurance-heads-to-the-senate. Accessed 2 Feb. 2026.
“Kentucky Medicare Supplement Update Consumer Alert.” Insurance.ky.gov, Kentucky Department of Insurance, https://insurance.ky.gov/ppc/Documents/2024.01.24%20Medicare%20Supplement%20Enrollment%20Changes.pdf. Accessed 2 Feb. 2026.
“Maryland Law Allows for an Additional Open Enrollment Period for Medicare Supplement Policies.” Insurance.maryland.gov, Maryland Insurance Administration, https://insurance.maryland.gov/Consumer/Documents/publications/ConsumerAdvisory-Maryland-law-allows-for-an-additional-Open-Enrollment-Period-for-Medicare-Supplement-Policies.pdf. Accessed 2 Feb. 2026.
“Medicare Plan G – Part G.” boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/medicare-supplemental-insurance/medicare-supplement-plans/medicare-plan-g/. Accessed 2 Feb. 2026.
“Medigap Birthday Rule States.” Boomerbenefits.com, Boomer Benefits, https://boomerbenefits.com/which-states-have-a-medigap-birthday-rule/. Accessed 2 Feb. 2026
“Medigap Open Enrollment Period.” Medicare.gov, Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 2 Feb. 2026.
LaPick, Micheal. “Medicare Birthday Rules by State (2025): Switch Without Underwriting.” Medicareguide.com, Medicare Guide, 30 Sep. 2025, https://medicareguide.com/medigap-birthday-rules-2025.
“Oklahoma New Medicare Supplement Open Enrollment FAQs.” Oid.ok.gov, Oklahoma Insurance Department, https://www.oid.ok.gov/medicare-supplement-open-enrollment-faqs/. Accessed 2 Feb. 2026.
Llopis, Bere. “Rhode Island Medigap AEP Update: Switch Your Plan Without Health Questions.” Senior65.com, Senior 65, 02 Dec. 2025, https://www.senior65.com/medicare/article/rhode-island-medigap-aep.
Feke, Tanya, M.D. “The ‘birthday rule’: a gift to Medigap enrollees?” medicareresources.org, Medicare Resources, https://www.medicareresources.org/medicare-eligibility-and-enrollment/the-birthday-rule-a-gift-to-medigap-enrollees/. Accessed 2 Feb. 2026.
“Virginia’s Medigap ‘Birthday Rule’ Annual Open Enrollment.” Scc.virginia.gov, State Corporation Commission, https://www.scc.virginia.gov/media/sccvirginiagov-home/consumer-home/insurance/life-amp-health/senior-resources/medigap-birthday-rule.pdf. Accessed 2 Feb. 2026.
When can you switch Medigap plans (Oregon)” shiba.oregon.gov, Department of Consumer and Business Services, https://shiba.oregon.gov/Documents/4845-ins-birthday-rule-2023.pdf. Accessed 2 Feb. 2026.
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Not affiliated with or endorsed by Medicare or any government agency.
Monday Feb 02, 2026
Monday Feb 02, 2026
Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three.
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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 Tips for New Insurance Agents
5 Tips for Seasoned Insurance Agents
Why Gen Z is a Good Fit For Selling Insurance
References:
“28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/.
“Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026.
Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age.
Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age.
Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/.
“S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026.
“Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia.
“Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you.
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Not affiliated with or endorsed by Medicare or any government agency.
Saturday Dec 06, 2025
Saturday Dec 06, 2025
Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio.
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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:
Ritter & Integrity Webinars/Events
The Ideal Client for Medicare Supplement Plans
When Do Med Supp Plans K, L, M, & N Make Sense?
References:
“2024 Rate Increase Justification Plain ...” UHC.Com, UnitedHealthcare Insurance Company, https://www.uhc.com/content/dam/uhcdotcom/en/Legal/required-state-notices/2024-VT-Rate-Increase-Justification-AARP-Medicare-Supp-plans.pdf. Accessed 19 Nov. 2025.
Rosenberg, Alex, and Holly Carey. “How Much Does a Medicare Supplement Insurance Plan Cost?” NerdWallet, https://www.nerdwallet.com/article/insurance/medicare/medigap-cost. Accessed 19 Nov. 2025.
Maiale, Ben. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” Genre, https://www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Accessed 19 Nov. 2025.
Whicheloe, Emily. “Medigap Changes in 2020.” Medicare Rights Center, 11 Apr. 2019, https://www.medicarerights.org/medicare-answers/2019/04/11/blog-medigap-changes-in-2020.
“NHE Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet. Accessed 19 Nov. 2025.
Noam, Eli. Medigap Plans Analysis Nov 2023, Columbia University Emeritus Professors in Columbia, https://professorsemeritus.columbia.edu/sites/professorsemeritus.columbia.edu/files/content/PDFs/Medigap-plans-analysis-Nov-2023.pdf. Accessed 19 Nov. 2025.
Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, 9 Aug. 2025, https://www.kff.org/medicare/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/.
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Nov 29, 2025
Saturday Nov 29, 2025
The Annual Enrollment Period holds many sales opportunities; some you may not know the full value of! Discover how Medicare Supplements can benefit you and your clients during AEP!
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Register with Ritter Insurance Marketing
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download
CSG Actuarial – Quote & Enroll Ancillary Solutions
Cure Your Client’s Needs with a PDP
Finding the Best Medicare Supplement Plan Letter for Your Client
Guiding Your Clients Through Med Supp Underwriting
How to Save Your Clients Money on Prescription Drugs
Meet Your Ritter Sales Team
Medicare Supplements Full the Gaps in Your Portfolio
The Ideal Client for Medicare Supplement Plans
What to Know When Replacing Existing Med Supp Plans for Clients
When Do Med Supp Plans K, L, M, & N, Make Sense?
References:
“Am Best.” Web.Ambest.Com, www.web.ambest.com/home. Accessed 29 Oct. 2025.
“Get Ready to Buy.” Medicare.Gov, www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 29 Oct. 2025.
“How Much Does Medicare Drug Coverage Cost?” Medicare.Gov, www.medicare.gov/health-drug-plans/part-d/basics/costs. Accessed 29 Oct. 2025.
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Nov 19, 2025
Wednesday Nov 19, 2025
In this episode we explain marketplace exchanges, ACA enrollment, and share educational Ritter resources for selling ACA!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
3 Benefits of Selling ACA Insurance Plans
4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency
ACA Enrollment Periods Explained
Agent Requirements for ACA Sales
Announcing the Launch of IntegrityCONNECT
Everything You Need to Know About the ACA OEP
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans
Learn more about Ritter Insurance Marketing!
Register with Ritter Insurance Marketing
Simplify Marketplace Enrollment with HealthSherpa
The Complete Guide to Selling Affordable Care Act Insurance Plans
References:
“Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 31 Oct. 2025.
“The Marketplace in Your State.” HealthCare.Gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 31 Oct. 2025.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 31 Oct. 2025.
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Nov 01, 2025
Saturday Nov 01, 2025
Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
CMS & HHS Expand ACA Catastrophic Coverage Enrollment
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
Judge Vacates HHS MA Commissions Lawsuit
Ritter Insurance Marketing Carrier Partners
The Fight for ACA Enhanced Premium Tax Credits
References:
“Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025.
“Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/.
“Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/.
“Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage.
“Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf.
“What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/.
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Aug 25, 2025
Monday Aug 25, 2025
Lisa Marzolino and Danica Stover join Sarah to talk about ICHRA (Individual Coverage Health Reimbursement Arrangements) and the partnership between Nexben and Ritter Insurance Marketing. Listen to learn more about this exciting opportunity for agents!
🚨UPDATE: This episode was recorded and produced prior to U.S. District Judge Hurson's decision to stay several provisions from the 2025 ACA Marketplace Integrity and Affordability Rule. For information on those changes, we recommend listening to our August 29th Friday Five episode, Judge Grants Stay on Many 2025 ACA Final Rule Provisions
Questions about ICHRA? Ready to get started? Reach out to Nexben at RitterICHRA@nexben.com or call 1-888-613-6461.
Resources:
5 Things About ICHRA
How an ICHRA Partnership Can Support ACA Sales
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
Questions to Ask Clients Shopping for an ACA Plan
References:
“A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexben.Com, Nexben, 31 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples.
“ICHRA Guide for Individual Coverage HRAS 2025.” Takecommandhealth.Com, Take Command Health, 10 June 2025, www.takecommandhealth.com/ichra-guide.
“ICHRA Reporting Requirements: Details to Know & How Nexben Helps.” Nexben.Com, Nexben, 18 June 2025, www.nexben.com/blog/ichra-reporting-requirements-details-to-know-how-nexben-helps.
“The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers.
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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.
Monday Jun 30, 2025
Monday Jun 30, 2025
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.
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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
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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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday May 26, 2025
Monday May 26, 2025
What products can agents cross-sell with Medicare? Learn how plan pairings work between the different Medicare insurance options. We can help you build up your portfolio with ancillary product options for your clients.
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Resources:
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Boost Business Selling Hospital Indemnity Insurance: https://ritterim.com/blog/boost-business-selling-hospital-indemnity-insurance/
Building the Foundation for Success ft. Roy Snarr: https://agentsurvivalguide.podbean.com/e/building-the-foundation-for-success-ft-roy-snarr/
How Relationship Marketing Can Make the Difference in Your Agency: https://agentsurvivalguide.podbean.com/e/how-relationship-marketing-can-make-the-difference-in-your-agency/
Operating From a People-First Mentality ft. Scott Zimmerman: https://agentsurvivalguide.podbean.com/e/operating-from-a-people-first-mentality-ft-scott-zimmerman/
Sense Success with Dental, Vision, and Hearing Plans: https://ritterim.com/blog/sense-success-with-dental-vision-and-hearing-plans/
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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.
Tuesday Apr 22, 2025
Tuesday Apr 22, 2025
Join Sarah and Danica as they discuss how agents in the Medicare industry can easily step into the Under-65 market!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
ACA 101: Selling Under-65 Health Insurance: https://lnk.to/chQNkw
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV
Sign’s It’s Time to Expand Your Insurance Portfolio & Make the Move! https://ritterim.com/blog/signs-its-time-to-expand-your-insurance-portfolio-and-make-the-move/
Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd
Register with Ritter Insurance Marketing
The State of the ACA Market in 2025: https://ritterim.com/blog/the-state-of-the-aca-market-in-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.
Wednesday Apr 16, 2025
Wednesday Apr 16, 2025
Universal life insurance can be confusing for clients. In this episode we break down the three main types and helpful tips for educating clients!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Life Insurance Myths Your Clients May Believe: https://ritterim.com/blog/5-life-insurance-myths-your-clients-may-believe/
Get Your Portfolio Review: https://ritterim.com/portfolio/>/p>
Identifying Ideal Clients for Universal Life Products: https://ritterim.com/blog/identifying-ideal-clients-for-universal-life-products/
Life Insurance for Each of Life’s Stages: https://ritterim.com/blog/life-insurance-for-each-of-lifes-stages/
Register with Ritter: https://app.ritterim.com/public/registration/
The Complete Guide on How to Sell Final Expense Insurance FREE eBook Download: https://ritterim.com/final-expense-ebook/
References:
Kagan, Julia. “Term Life Insurance: What It Is, Different Types, Pros and Cons.” Investopedia, Investopedia, https://www.investopedia.com/terms/t/termlife.asp. Accessed 18 Mar. 2025.
Powers, Stephanie. “What Is Indexed Universal Life Insurance (IUL)?” Investopedia, Investopedia, https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp. Accessed 18 Mar. 2025.
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Mar 05, 2025
Wednesday Mar 05, 2025
Ready to scale, but not sure where to start? Maximize your reach by building out your sales portfolio! We explain the benefits of a diverse insurance portfolio complete with the “how-to-do-it” framework.
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Claim Your FREE Portfolio Review Today!
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Interview: Boost Your Commissions with a New Hospital Indemnity Sales Strategy: https://ritterim.com/blog/interview-boost-your-commissions-with-a-new-hospital-indemnity-sales-strategy/
Interview: Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl
Knight School Expand & Dominate Learning Path: https://ritterim.com/knight-school/expand-dominate/
Learn About the Ritter Certification Center: https://ritterim.com/ritter-certification-center/
Meet Your Ritter Sales Specialist: https://ritterim.com/meet-your-sales-team/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl
Ritter Insurance Marketing Webinar and Events: https://ritterim.com/events/
The Beginner’s Guide to D-SNPs: https://lnk.to/asg648
The Complete Guide on How to Sell Final Expense Insurance: https://ritterim.com/final-expense-ebook/
The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/
References:
Lopes, Lunna, et al. “Americans’ Challenges with Health Care Costs.” KFF.Org, KFF, 7 May 2024, www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/.
Moynihan, Kyle. “Fidelity Investments® Releases 2024 Retiree Health Care Cost Estimate as Americans Seek Clarity Around Medicare Selection.” Fidelity, Fidelity, 8 Aug. 2024, newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2024-retiree-health-care-cost-estimate-as-americans-seek-clarity-arou/s/7322cc17-0b90-46c4-ba49-38d6e91c3961.
Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF.Org, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/.
Vandenboss, Kevin. “The Average Millionaire Has 7 Sources Of Income - Here Are 3 You Can Start Building Today.” Finance.Yahoo.Com, Yahoo! Finance, 30 May 2024, finance.yahoo.com/news/average-millionaire-7-sources-income-164311915.html.
Farrell, Chris. “Why Multigenerational Households Are Making a Comeback in a Big Way.” Marketplace.Org, Marketplace, 3 Apr. 2024, www.marketplace.org/2024/04/03/multigenerational-households-housing-affordability/.
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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://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Feb 24, 2025
Monday Feb 24, 2025
You might have heard some misconceptions about Dual Eligible Special Needs Plans. In this episode we’re busting those myths and highlighting D-SNPs’ potential!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
Agent’s Guide to Digital Marketing Resources: https://lnk.to/D18qeY
Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/
Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://lnk.to/tj8oG1
Diversify Your Insurance Portfolio & Reap Real Rewards: https://ritterim.com/blog/diversify-your-insurance-portfolio-and-reap-real-rewards/
Get Your Insurance Portfolio Reviewed for FREE: https://ritterim.com/portfolio/
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
The Beginner’s Guide to D-SNPs: https://lnk.to/asg648
References:
Freed, Salama, et al. “10 Things to Know about Medicare Advantage Dual-Eligible Special Needs Plans (D-Snps).” KFF, KFF, https://www.kff.org/medicare/issue-brief/10-things-to-know-about-medicare-advantage-dual-eligible-special-needs-plans-d-snps/. Accessed 31 Jan. 2025.
Pena, Maria T., et al. “A Profile of Medicare-Medicaid Enrollees (Dual Eligibles).” KFF, KFF, 17 Feb. 2023, https://www.kff.org/medicare/issue-brief/a-profile-of-medicare-medicaid-enrollees-dual-eligibles/.
“Beneficiaries Dually Eligible for Medicare & Medicaid.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/outreach-and-education/medicare-learning-network-mln/mlnproducts/downloads/medicare_beneficiaries_dual_eligibles_at_a_glance.pdf. Accessed 31 Jan. 2025.
Biniek, Jeannie Fuglesten, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/.
Johnston, Kenton J., et al. “Nationwide Availability of and Enrollment in Medicare and Medicaid Dual-Eligible Special Needs Plans With Exclusively Aligned Enrollment.” Jama Network, Jama Health Forum, https://jamanetwork.com/journals/jama-health-forum/fullarticle/2824902. Accessed 31 Jan. 2025.
“New Special Enrollment Periods (Seps) for Dually Eligible ...” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/files/document/duals-lissepsjobaid01012025.pdf. Accessed 31 Jan. 2025.
“Seniors & Medicare and Medicaid Enrollees.” Medicaid.Gov, https://www.medicaid.gov/medicaid/eligibility/seniors-medicare-and-medicaid-enrollees/index.html. Accessed 31 Jan. 2025.
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Wednesday Oct 28, 2020
Wednesday Oct 28, 2020
How would an unexpected diagnosis affect your clients? Give them peace of mind with coverage that can help ease the stress of cancer treatment.
Read the text version.
Mentioned in this episode:
Death or Debt? National Estimates of Financial Toxicity in Person with Newly-Diagnosed Cancer
Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?
How much can a healthy lifestyle cut your risk of cancer?
Lifetime Risk of Developing or Dying From Cancer
More episodes you’ll like:
4 Ancillary Cross-Sales to Show Clients You Care
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Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?
Build a portfolio that shows clients you care. Cancer, heart attack, and stroke insurance plans provide coverage and peace of mind when your clients need it most.
Learn How to Cross-Sell Ancillary Insurance with Medicare Products
Ready to boost your Medicare business? Increase your sales commissions and improve client retention at the same time, all without additional certifications. Learn about the power of cross-selling and how you can get started today!
Secure a Bigger, Better Business with Ancillary Products
Want to branch out from Medicare Advantage or Medicare Supplement sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio.
Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!)
Gaining knowledge through training is more than just a necessity. It’s a strategy that helps you stand out from your competition and grow your insurance business.
The latest from Ritter’s Blog:
Major Changes Coming to the MA & PDP Market for 2021
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Rules for Hosting a Compliant Medicare Educational Event
While events are often a great way to generate leads, holding Medicare educational events during the COVID pandemic is a legal and ethical grey area. What is allowed at seminars for the 2021 AEP?
Rules for Hosting a Compliant Medicare Sales Event
Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events.
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