Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

Review, organize, and plan for 2026 with a SWOT analysis! Discover what SWOT is and how it can help you create a plan for your insurance business.
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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:
Building a Business Plan Knight School Module
Q1 ACA Sales Calendar
Q1 Medicare Sales Planner
Things to Think About Post-AEP
Things to Think About Post-OEP
 
References:
Dunne, Kevin. “Swot Analysis.” Mindtools.com, Mindtools, 2025 Aug. 6, https://www.mindtools.com/amtbj63/swot-analysis/.
“SWOT Analysis.” Eda.Gov, U.S. Economic Development Administration, www.eda.gov/resources/comprehensive-economic-development-strategy/content/swot-analysis. Accessed 5 Feb. 2026.
Raeburn, Alicia. “SWOT analysis: Examples and templates.” Asana.com, Asana, 2026 Jan. 2, https://asana.com/resources/swot-analysis.
Kenton, Will. “SWOT: What Is It, How It Works, and How to Perform an Analysis.” Edited by Cierra Murphy and Vikki Velasquez, Investopedia.Com, Investopedia, 19 Dec. 2025, www.investopedia.com/terms/s/swot.asp.
 
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Not affiliated with or endorsed by Medicare or any government agency.

Sarah loves Instagram, but does that mean it’s a viable marketing tool for insurance agents? Listen as she evaluates the ‘gram for agent use and learn how you can do the same.  
 
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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: 
2016 vs. 2026: The Insurance Edition
Field Notes on Digital Marketing Resources
Optimize Your Online Presence ft. Aaron Kassover
Sarah’s Instagram Profile
Social Media Marketing for Insurance Agents
 
References: 
“About Professional Accounts on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/138925576505882/. Accessed 4 Feb. 2025
Gottfried, Jeffrey, and Eugenie Park. “Americans’ Social Media Use 2025.” Pewresearch.Org, Pew Research Center, 20 Nov. 2025, www.pewresearch.org/internet/2025/11/20/americans-social-media-use-2025/.
“Convert an Instagram Personal Profile to a Business Profile .” Help.Hootsuite.Com, Hootsuite, 21 Oct. 2025, help.hootsuite.com/hc/en-us/articles/1260804251950-Convert-an-Instagram-Personal-profile-to-a-Business-profile.
“How to Set up a Business Account on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/502981923235522/. Accessed 4 Feb. 2025.
“How to Set up a Creator Account on Instagram.” Help.Instagram.Com, Instagram, help.instagram.com/2358103564437429/. Accessed 4 Feb. 2025.
 
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Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 27, 2026:
[01:02] ☕Starbucks Spring 2026 Menu [02:45] 🧋Dunkin’ Spring 2026 Menu [05:25] 📺 Instagram for TV [08:22] ⚠️ NIPR Phishing Alert [10:59] 📊 2026 MA Enrollment Stats 
 
Register for Craig Ritter’s State of the Senior Market
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
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💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Starbucks Spring 2026 Menu:
“Starbucks previews 2026 spring menu with new chai, ube and Energy Refreshers drinks.” About.starbucks.com, Starbucks, 26 Jan. 2026, https://about.starbucks.com/stories/2026/starbucks-previews-2026-spring-menu-with-new-chai-coconut-and-lavender-drinks/.
Morea, Steven. “Starbucks’ Spring 2026 Menu Is Here & Fans Have Thoughts.” Delish.com, Delish, 29 Jan. 2026, https://www.delish.com/food-news/a70176840/starbucks-spring-2026-menu/.
 
Dunkin’ Spring 2026 Menu:
Tenreyo, Tatiana. “Dunkin’s Rumored 18-Item Spring Menu Could Kick Off a Full Banana Boom.” Sporked.com, Sporked, 4 Feb. 2026, https://sporked.com/article/dunkin-spring-2026-menu/.
Baker, Nicolette. “Dunkin’s Spring Menu Is Going Bananas.” Foodandwine.com, Food & Wine, 10 Feb. 2026, https://www.foodandwine.com/dunkin-spring-menu-leak-2026-11902405.
Umholtz, Katelyn. “Yes, it’s true: Dunkin’ is selling iced coffee in 48-ounce buckets.” Boston.com, Boston.com, 24, Feb. 2026, https://www.boston.com/food/food-news/2026/02/24/dunkin-iced-coffee-buckets/.
 
Instagram for TV:
“Introducing Instagram for TV.” About.instagram.com, Instagram, 16 Dec. 2025, https://about.instagram.com/blog/announcements/instagram-tv-app.
Malik, Aisha. “Instagram’s TV app is launching on Google TV devices.” Techcrunch.com, TechCrunch, 24 Feb. 2026, https://techcrunch.com/2026/02/24/instagrams-tv-app-is-launching-on-google-tv-devices/.
 
NIPR Phishing Alert:
Content Library: Identifying Scams and How to Protect Yourself*
How to Keep Clients Safe From Insurance Fraud
"National Insurance Professional Registry." Nipr.com, NIPR, https://nipr.com/help, Accessed 25 Feb. 2026.
Unsure about a NIPR email? Verify first by emailing: niprbillingdept@nipr.com
 
2026 MA Enrollment Stats:
Fuglesten Biniek, Jeannie et. al. "Medicare Advantage Enrollment Grew by About 1 Million People, Mainly Due to Special Needs Plans." KFF.org, KFF, 23 Feb. 2026, https://www.kff.org/medicare/medicare-advantage-enrollment-grew-by-about-1-million-people-mainly-due-to-special-needs-plans/.
“Monthly Contract and Enrollment Summary Report.” CMS.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data/monthly-contract-and-enrollment-summary-report. Accessed 25 Feb. 2026.
 
More Episodes You’ll Love:
CMS 2027 MA & Part D Advance Notice
State of the Senior Market 2026
The Insurance Agent’s Quick Guide to Med Supp Birthday Rule States
 
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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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Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 20, 2026:
TikTok USDS Update
Apple Announces Video Podcasts
Tide Launches Evo Detergent
The Burden of Prior Authorization
State of the Senior Market 2026
 
Register to Attend Craig Ritter’s 2026 State of the Senior Market!
 
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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.
 
TikTok Making Its Way Back to the Top?
“Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall. Accessed 18, Feb. 2026.
“Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/google-play/united-states/top-apps. Accessed 18, Feb. 2026.
"Top Photo & Video Apps." Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/photo-and-video. Accessed 18, Feb. 2026.
"Top Social Apps." Appfigures.com, Appfigures, https://appfigures.com/top-apps/google-play/united-states/social. Accessed 18, Feb. 2026.
 
Apple Announces Video Capabilities for Podcasts App:
“Apple introduces a new video podcast experience on Apple Podcast.” Apple.com, Apple, 16 Feb. 2026, https://www.apple.com/newsroom/2026/02/apple-introduces-a-new-video-podcast-experience-on-apple-podcasts/.
Peters, Jay. “Apple’s Podcasts app will let you ‘seamlessly’ switch between audio and video shows.” Theverge.com, The Verge, 16 Feb. 2026, https://www.theverge.com/tech/879749/apple-podcasts-video-swap-hls-live-streaming.
Vallese, Zach. “Apple takes on YouTube and Spotify with new video podcasting push.” Cnbc.com, CNBC, 16 Feb. 2026, https://www.cnbc.com/2026/02/16/apple-takes-on-youtube-and-spotify-with-new-video-podcasting-push.html.
 
The Burden of Prior Authorization:
Cottrill, Alex, et al. “Examining the Potential Impact of Medicare’s New WISeR Model.” KFF.Org, KFF, 10 Feb. 2026, www.kff.org/medicare/examining-the-potential-impact-of-medicares-new-wiser-model/.
Kirzinger, Ashley, et al. “KFF Health Tracking Poll: Prior Authorizations Rank as Public’s Biggest Burden When Getting Health Care.” KFF.Org, KFF, 2 Feb. 2026, https://www.kff.org/public-opinion/kff-health-tracking-poll-prior-authorizations-rank-as-publics-biggest-burden-when-getting-health-care/.
 
Tide Launches Evo Detergent Tiles:
Clancy, Heather. “P&G goes wide with a waterless, plastic-free Tide.” Trellis.net, Trellis, 17 Feb. 2026, https://trellis.net/article/pg-water-plastic-out-of-tide-detergent/.
Tyko, Kelly. “Tide makes its biggest laundry detergent change since pods.” Axios.com, Axios, 17 Feb. 2026, https://www.axios.com/2026/02/17/tide-evo-tiles-dry-laundry-detergent-launch.
“Tide Unveils World-First Laundry Breakthrough: Introduction Tide evo, the Fiber-Detergent Tile.” Us.pg.com, Proctor & Gamble, 17 Feb. 2026, https://us.pg.com/newsroom/news-releases/Tide-Unveils-World-First-Laundry-Breakthrough-Introducing-Tide-evo-the-Fiber-Detergent-Tile/.
 
Recent Episodes of the Agent Survival Guide Podcast:
5 Takeaways from the CMS 2027 Marketplace Proposed Rule
2016 vs. 2026: The Insurance Edition
CMS 2027 MA & Part D Advance Notice
Q1 ACA Sales Calendar
Q1 Medicare Sales Planner
 
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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.

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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💌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.

Stay organized with a planner created just for insurance agents selling Medicare! We highlighting what to focus on during the first quarter of the year.
 
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Download your copy of the Medicare Sales Planner!
 
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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:
Do’s and Don’ts of Medicare Compliance
Medicare Advantage Open Enrollment Do’s and Don’ts
The Complete Guide to Client Loyalty and Retention
 
References:
“2026 Heart Disease and Stroke Statistics Update Fact Sheet At-a-Glance.” Professional.Heart.Org, American Heart Association, professional.heart.org/en/-/media/PHD-Files-2/Science-News/2/2026-Heart-and-Stroke-Stat-Update/At-A-Glance/2026-Stats-Update-Fact-Sheet-At-A-Glance-Statistics_final.pdf. Accessed 12 Feb. 2026.
“35+ Latest Business Plan Statistics to Boost Success.” Bizplanr.ai, Bizplanr, 13 Jun. 2025, https://bizplanr.ai/blog/business-plan-statistics.
“Dual Eligible Special Needs Plans (D-SNPs).” CMS.gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/enrollment-renewal/special-needs-plans/dual-eligible. Accessed 12 Feb. 2026.
 
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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.

A busy insurance agent can easily become overwhelmed by the number of tasks to complete. But the good news is that you don’t have to rush to finish them all at once! Listen to learn what agents selling ACA plans should focus on during the first quarter of the year.
 
Read the text version
 
Download your copy of the Busy ACA Agent’s Sales Calendar!
 
🤝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 Ways to Generate ACA Leads
ACA 101: Selling Under-65 Health Insurance
Community Engagement & ACA Marketing Ideas for Agents
How an ICHRA Partnership Can Support ACA Sales
How Insurance Agents Can Set SMART Goals to Succeed
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover
The Ultimate Agent Resource List Pt. 3: Staying Organized
 
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Not affiliated with or endorsed by Medicare or any government agency.

This week, CMS released their 2027 Marketplace Proposed Rule. Join us as we pull out 5 takeaways insurance agents should know about.
 
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:
2016 vs. 2026: The Insurance Edition
2026 ACA Enrollment Update
5 Tips for New Insurance Agents
5 Tips for Seasoned Insurance Agents
CMS 2027 MA & Part D Advance Notice
What are the CMS Medicare Gift Rules?
 
References:
“CMS Model Consent Form for Marketplace Agents, Brokers, Web-brokers, and Agencies.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/marketplace/agents-brokers/files/cms-model-consent-form-marketplace-agents-brokers.pdf.
“CMS Proposes Regulations to Lower Health Care Costs, Expand Consumer Choice, and Protect Taxpayers.” Cms.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-regulations-lower-health-care-costs-expand-consumer-choice-protect-taxpayers.
“HHS Notice of Benefit and Payment Parameters for 2027 Proposed Rule.” CMS.gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-payment-parameters-2027-proposed-rule.
“Patient Protection and Affordable Care Act, HHS Notice of Benefit and Payment Parameters for 2027; and Basic Health Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 9 Feb. 2026, www.federalregister.gov/public-inspection/2026-02769/patient-protection-and-affordable-care-act-benefit-and-payment-parameters-for-2027-and-basic-health.
 
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Not affiliated with or endorsed by Medicare or any government agency.

Can your clients afford hybrid long-term care insurance? It might be more affordable than they think. Learn more about the ways hybrid or linked-benefit LTCi can be funded in this episode.
 
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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:
4 Out-of-the-Box Long-Term Care Insurance Solutions
5 Tips for New Insurance Agents
5 Tips for Seasoned Insurance Agents
Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients
Selling Long-Term Care Insurance
What You Need to Know About 1035 Exchanges
 
References:
“Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained.
Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 2025.
 
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Not affiliated with or endorsed by Medicare or any government agency.

When the unexpected happens in your business, it’s important to have all your bases covered. In this episode learn what Errors and Omissions Insurance is and how it could save your business thousands in legal costs.
  
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💵Save Up to 50% On E&O Insurance
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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:
5 Tips for New Insurance Agents
4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency
Developing Power Habits ft. Dr. Noah St. John
IntegrityCONNECT
The Benefits of Joining a Top Insurance FMO
Tips for Working With a Difficult Client
 
References:
Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/.
Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026.
Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 2026.
 
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Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 6, 2026:
IntegrityCONNECT Question
Educational Resources for Insurance Agents
Government Funding Bill Update
Luffu AI for Family Caregivers
ACA Enrollment Comparison
 
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
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💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Educational Resources for Insurance Agents:
Content Library
eBooks & Guides
List of Ritter Events & Webinars
 
Government Funding Bill Update:
Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown.
“Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth.
 
Luffu AI for Family Caregivers:
“Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/.
“Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app.
“Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving.
“From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html.
“Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026.
 
ACA Enrollment Comparison:
“Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2.
 
Related ASG Podcast Episodes:
5 Tips for New Insurance Agents
2016 vs. 2026: The Insurance Edition
CMS 2027 MA & Part D Advance Notice
Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder
Introducing a Content Marketing Solution for Insurance Agents
IntegrityCONNECT FAQs
 
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Not affiliated with or endorsed by Medicare or any government agency.

Learn about ACA subsidies and their requirements to help your clients save on health insurance!
 
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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:
5 Myths About Selling ACA Health Insurance Plans
How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage
How to Assist Clients with Marketplace Household Income Estimations
How to Help Clients Navigate ACA Marketplace Subsides & Taxes
What Are the ACA Marketplace Alternatives for Health Insurance?
 
References:
“Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026.
Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/.
“Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026.
“Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026.
Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026.
 
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Not affiliated with or endorsed by Medicare or any government agency.

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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📧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.

The Friday Five for January 30, 2026
Meta Announces Premium Subscriptions
TikTok USDS Troubles & New Competitors
FY 2026 Appropriations Bills
2025 Tax Season & H.R. 7006
CMS 2027 MA and Part D Advance Notice
 
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.
 
Meta Announces Premium Subscriptions:
Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp.
"Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/.
"Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/.
 
TikTok USDS Troubles & New Competitors:
Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316. 
"Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc.
Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html.
"Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal.
Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html.
Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/.
Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/. 
"TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity.
Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html.
“Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026.
Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html.
 
FY 2026 Appropriations Bills:
“Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table.
"Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations.
"H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148.
"House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/.
"Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026.
"Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans.
"U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https://www.naco.org/news/us-house-passes-final-minibus-funding-package.
 
2025 Tax Season & H.R. 7006:
“H.R.7006 - 119th Congress (2025-2026): Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act.” Congress.Gov, United States Congress, 15 Jan. 2026, www.congress.gov/bill/119th-congress/house-bill/7006/all-actions.
“What Would a Government Shutdown Do to the IRS in 2026?” Kiplinger.com, Kiplinger, 23 Jan. 2026, https://www.kiplinger.com/taxes/what-will-a-government-shutdown-do-to-the-irs.
 
CMS 2027 MA and Part D Advance Notice:
"2027 Medicare Advantage and Part D Advance Notice." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-advance-notice.
"Advance Notice of Methodological Changes for Calendar Year (CY) 2027 for Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/files/document/2027-advance-notice.pdf.
"CMS 2026 Medicare Advantage and Part D Rate Announcement." CMS.gov, Centers for Medicare & Medicaid Services, 07 Apr. 2025, https://www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement. 
"CMS Proposes 2027 Medicare Advantage and Part D Payment Policies to Improve Payment Accuracy and Sustainability." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-2027-medicare-advantage-part-d-payment-policies-improve-payment-accuracy-sustainability. 
"Fiscal Year 2025 Improper Payments Fact Sheet." CMS.gov, Centers for Medicare & Medicaid Services, 15 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/fiscal-year-2025-improper-payments-fact-sheet.
 
Recent Episodes:
2016 vs. 2026: The Insurance Edition
2026 ACA Enrollment Snapshot #2
Enrollment Stats, Snapshots & Spotlights
 
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