Agent Compliance Resources
Compliance Is Critical!
While you’re working with current clients and new prospects, it’s vital to follow the rules and regulations of the Federal and respective State Governments as well as the policies and procedures established by the carriers and marketing organizations that you represent. For easy reference Savers Marketing provides Agent Compliance Resources to help professional insurance agents excel in the field.
2025 Agent Compliance Guide
Download the updated Agent Compliance Guide for 2025. This includes all current compliance information relevant to sales and marketing of Medicare Advantage and Prescription Drug plans.
How to Avoid Unqualified Sales
Some of the most basic compliance concerns to remember:
- Verify that your State Appointments are kept up to date with each Carrier.
- Ensure that any product certifications required by the carrier, particularly for Medicare products are completed prior to soliciting business.
- Make sure your state license(s) are current, and your Continuing Education (CE) requirements are up to date.
- Do you have downline agents? It is your responsibility to ensure that they are compliant as well so training them on insurance compliance issues is an important part of running your agency
Educational and Sales Events for AEP
During the Medicare Advantage Annual Enrollment Period (AEP), many agents use educational or sales events to get in front of clients and prospects to create new sales opportunities. Ensure that you are meeting the compliance standards set forth by CMS and the carriers that you represent. Consult the most recent Agent Compliance Guide for more information.
Advertising Compliance
We understand how important it is for you to promote your company and advertise yourself as an insurance professional. However, it is important to adhere to the laws and guidelines set forth by the Federal and State governments as well as the requirements of the carriers that you represent. If you are developing your own advertising or marketing (print, digital, radio, television, etc.) that has not already been preapproved, make sure you contact your Agent Advisor or Compliance Officer for steps on review and approval.
Agent Website Compliance
Unless you obtain permission from each relevant carrier, avoid using carrier logos and branding. One should also avoid listing specific plan names, benefits, and expenses. Don’t use words or phrases that would mislead customers into thinking you’re associated with the Government or the Medicare Program. If selling Medicare, do not use the term “Medicare” in your title (i.e. Medicare Expert, Medicare Benefits Specialist, etc.). If you are an insurance salesperson who is licensed to sell, express that with your title (ex. Licensed Sales Agent, Sales Representative, Independent Insurance Agent, Licensed Insurance Representative, etc.). Also, ensure that the current TPMO disclosure is listed prominently on your website. Ask your Agent Advisor or Compliance Officer if you have any questions about making your website compliant.