BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Savers Marketing - ECPv6.15.17//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Savers Marketing
X-ORIGINAL-URL:https://saversmarketing.com
X-WR-CALDESC:Events for Savers Marketing
REFRESH-INTERVAL;VALUE=DURATION:PT1H
X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20240310T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20241103T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20250309T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20251102T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20260308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20261101T060000
END:STANDARD
END:VTIMEZONE
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250109T140000
DTEND;TZID=America/New_York:20250109T150000
DTSTAMP:20260403T171009
CREATED:20250102T184454Z
LAST-MODIFIED:20250102T184454Z
UID:13615-1736431200-1736434800@saversmarketing.com
SUMMARY:Medicare Cross-selling Opportunities
DESCRIPTION:MedicareCENTER and Ask Integrity Cross-sell Recommendations help agents understand their clients’ Medicare Advantage co-pays and suggest products that can better protect clients from high medical expenses. You can quote ancillary products using the CSG APP\, and then utilize MedicareCENTER’s Custom Tags\, Activities\, and Notes to document your efforts and sales.
URL:https://saversmarketing.com/event/medicare-cross-selling-opportunities/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250113T130000
DTEND;TZID=America/New_York:20250113T140000
DTSTAMP:20260403T171009
CREATED:20250102T184823Z
LAST-MODIFIED:20250102T184823Z
UID:13617-1736773200-1736776800@saversmarketing.com
SUMMARY:Exclusive PlanEnroll Leads
DESCRIPTION:Become a PlanEnroll Network Agent to receive exclusive\, real-time call and data leads for Medicare and Final Expense. Leads generated on PlanEnroll.com are sent to agents with active PlanEnroll campaigns in LeadCENTER. Join us to learn about how leads are generated on PlanEnroll.com and the steps you need to take to start receiving these leads. Leads and call recordings seamlessly transfer to MedicareCENTER and LifeCENTER to start instantly working.
URL:https://saversmarketing.com/event/exclusive-planenroll-leads/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250114T100000
DTEND;TZID=America/New_York:20250114T101500
DTSTAMP:20260403T171009
CREATED:20250102T182419Z
LAST-MODIFIED:20250102T182419Z
UID:13607-1736848800-1736849700@saversmarketing.com
SUMMARY:Integrity Tech Tip Tuesday: Marketing your PlanEnroll Agent Website
DESCRIPTION:
URL:https://saversmarketing.com/event/integrity-tech-tip-tuesday-marketing-your-planenroll-agent-website/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250114T110000
DTEND;TZID=America/New_York:20250114T113000
DTSTAMP:20260403T171009
CREATED:20250102T172346Z
LAST-MODIFIED:20250102T172346Z
UID:13603-1736852400-1736854200@saversmarketing.com
SUMMARY:What Worked Best During AEP On Agent Websites
DESCRIPTION:Join Ken French from Snoozzy Inc. for a 30-minute webinar reviewing what technology and strategies worked best during AEP for Medicare agents. Ken will talk about agents who were proactive during the summer using landing pages to get updated RX info. He will review AI scheduling technology that helped agents buy themselves time from impatient clients. He will also review agents who integrated their events and workshops on their websites. Learn more about Ken and his services at https://savers.snoozzy.net
URL:https://saversmarketing.com/event/what-worked-best-during-aep-on-agent-websites/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250114T140000
DTEND;TZID=America/New_York:20250114T150000
DTSTAMP:20260403T171009
CREATED:20250102T185011Z
LAST-MODIFIED:20250102T185011Z
UID:13620-1736863200-1736866800@saversmarketing.com
SUMMARY:A Year in Review: CSG APP
DESCRIPTION:
URL:https://saversmarketing.com/event/a-year-in-review-csg-app/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250115T110000
DTEND;TZID=America/New_York:20250115T113000
DTSTAMP:20260403T171009
CREATED:20241230T140044Z
LAST-MODIFIED:20241230T140044Z
UID:13500-1736938800-1736940600@saversmarketing.com
SUMMARY:WoodmenLife's Medicare Supplement Plans
DESCRIPTION:Dive into the world of opportunities with WoodmenLife’s newly unveiled Medicare Supplement plans. These plans are a game-changer\, promising to revolutionize the way you serve your clients.
URL:https://saversmarketing.com/event/woodmenlifes-medicare-supplement-plans-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250115T130000
DTEND;TZID=America/New_York:20250115T133000
DTSTAMP:20260403T171009
CREATED:20241230T140136Z
LAST-MODIFIED:20241230T140136Z
UID:13502-1736946000-1736947800@saversmarketing.com
SUMMARY:The AFLAC Med Supp Showcase
DESCRIPTION:Attending the Aflac Medicare Supplement webinar is a must for agents looking to elevate their portfolio and strengthen client relationships.
URL:https://saversmarketing.com/event/the-aflac-med-supp-showcase-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250115T140000
DTEND;TZID=America/New_York:20250115T150000
DTSTAMP:20260403T171009
CREATED:20241230T135911Z
LAST-MODIFIED:20241230T135911Z
UID:13498-1736949600-1736953200@saversmarketing.com
SUMMARY:Mastering the Mystery of Med Supps Series: Part 1
DESCRIPTION:Are you new to the world of Medicare Supplements? Join us as we embark on a journey to uncover the compelling reasons behind why 1 in 3 clients are embracing the power of Medicare Supplements. It’s time to tap into the immense potential of this series and supercharge your Medicare Supplement knowledge.
URL:https://saversmarketing.com/event/mastering-the-mystery-of-med-supps-series-part-1-5/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250115T150000
DTEND;TZID=America/New_York:20250115T153000
DTSTAMP:20260403T171009
CREATED:20241230T135813Z
LAST-MODIFIED:20241230T135813Z
UID:13496-1736953200-1736955000@saversmarketing.com
SUMMARY:Spotlight On BANKERS FIDELITY
DESCRIPTION:Can’t wait to host our friends from Bankers Fidelity Life Insurance Company on a special webinar meant to showcase the new INTEGRITY Proprietary hospital indemnity product from BFLIC…this one is gonna be good!
URL:https://saversmarketing.com/event/spotlight-on-bankers-fidelity-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250116T110000
DTEND;TZID=America/New_York:20250116T113000
DTSTAMP:20260403T171009
CREATED:20241230T140510Z
LAST-MODIFIED:20241230T140510Z
UID:13507-1737025200-1737027000@saversmarketing.com
SUMMARY:Wellabe Medicare Supplement
DESCRIPTION:Formerly known as Medico\, the Wellabe Medicare Supplement means competitive rates\, strong agent support\, and outstanding customer service…and that’s not all… Join us to learn why Wellabe deserves a prime spot in your Med Supplement tool kit!
URL:https://saversmarketing.com/event/wellabe-medicare-supplement/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250116T140000
DTEND;TZID=America/New_York:20250116T150000
DTSTAMP:20260403T171009
CREATED:20241230T140251Z
LAST-MODIFIED:20241230T140251Z
UID:13504-1737036000-1737039600@saversmarketing.com
SUMMARY:Client Needs Assessment (CNA)
DESCRIPTION:Advance your insurance career and client service to new levels by perfecting the art of the Client Needs Assessment (CNA). A glaring gap in many agents’ strategies is the lack of comprehensive client care\, crucial for both nurturing client relationships and exploring ancillary sales opportunities. Our targeted webinar will equip you with the techniques to execute a flawless CNA\, as taught by leading industry figures.
URL:https://saversmarketing.com/event/client-needs-assessment-cna/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250120T130000
DTEND;TZID=America/New_York:20250120T140000
DTSTAMP:20260403T171009
CREATED:20250114T214306Z
LAST-MODIFIED:20250114T214306Z
UID:13715-1737378000-1737381600@saversmarketing.com
SUMMARY:Grow your Final Expense Sales with Leads and Quick Quote!
DESCRIPTION:LeadCENTER and LifeCENTER work together to help agents connect with potential customers and generate accurate Final Expense quotes. When a lead is purchased in LeadCENTER\, a client profile is instantly created in LifeCENTER\, allowing the agent to run a quote. The agent can enter basic health information and conditions to determine if the lead prequalifies for coverage. Additionally\, agents can track lead activity in LifeCENTER and even initiate an application!
URL:https://saversmarketing.com/event/grow-your-final-expense-sales-with-leads-and-quick-quote/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250121T100000
DTEND;TZID=America/New_York:20250121T101500
DTSTAMP:20260403T171009
CREATED:20250102T182522Z
LAST-MODIFIED:20250102T182522Z
UID:13609-1737453600-1737454500@saversmarketing.com
SUMMARY:Integrity Tech Tip Tuesday: Sell Compliantly with SOA Tracking
DESCRIPTION:
URL:https://saversmarketing.com/event/integrity-tech-tip-tuesday-sell-compliantly-with-soa-tracking/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250122T150000
DTEND;TZID=America/New_York:20250122T153000
DTSTAMP:20260403T171009
CREATED:20241230T140632Z
LAST-MODIFIED:20241230T140632Z
UID:13509-1737558000-1737559800@saversmarketing.com
SUMMARY:ACE Medicare Supplement
DESCRIPTION:Elevate Your Offering with the Ace Edge – The Ultimate Portfolio Booster! Dive into a dynamic webinar showcasing Ace’s unbeatable rates and unparalleled brand strength\, a favorite among 93% of Fortune 1000 companies. By webinar’s end\, you’ll be primed to join and propel your offerings with Ace’s top-tier Medicare Supplement solutions.
URL:https://saversmarketing.com/event/ace-medicare-supplement/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250123T110000
DTEND;TZID=America/New_York:20250123T113000
DTSTAMP:20260403T171009
CREATED:20241230T140735Z
LAST-MODIFIED:20241230T140735Z
UID:13511-1737630000-1737631800@saversmarketing.com
SUMMARY:Mastering the Mystery of Med Supps: Part 2
DESCRIPTION:New to Medicare Supplements or the Senior Market? join our webinar to excel in identifying Med Supp clients! In this webinar\, we’ll dive into the strategies for pinpointing Med Supp clients\, crucial for thriving in this market.
URL:https://saversmarketing.com/event/mastering-the-mystery-of-med-supps-part-2-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250123T110000
DTEND;TZID=America/New_York:20250123T113000
DTSTAMP:20260403T171009
CREATED:20241230T140949Z
LAST-MODIFIED:20241230T140949Z
UID:13515-1737630000-1737631800@saversmarketing.com
SUMMARY:Humana Achieve Medicare Supplement
DESCRIPTION:Join us for a comprehensive webinar to explore the significant improvements implemented in Humana Achieve Medicare Supplement\, affirming its position as a leading product in the market. This event is crucial for those looking to enrich their Med Supp portfolio with a product that’s continuously evolving to better serve its clients.
URL:https://saversmarketing.com/event/humana-achieve-medicare-supplement-5/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250123T120000
DTEND;TZID=America/New_York:20250123T130000
DTSTAMP:20260403T171009
CREATED:20250114T214526Z
LAST-MODIFIED:20250114T214526Z
UID:13717-1737633600-1737637200@saversmarketing.com
SUMMARY:MedicareCENTER Medicare Advantage Quote and Enroll
DESCRIPTION:MedicareCENTER is your one-stop-shop for servicing your Medicare Advantage clients. Store a client’s prescription drugs\, providers and pharmacies for accurate quoting. View plan details and share comparisons with clients. Complete an application alongside your client or send the application electronically for them to sign. Keep the client’s application\, Scope of Appointment\, Notes and Call Recording in one location!
URL:https://saversmarketing.com/event/medicarecenter-medicare-advantage-quote-and-enroll/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250123T140000
DTEND;TZID=America/New_York:20250123T150000
DTSTAMP:20260403T171009
CREATED:20241230T140836Z
LAST-MODIFIED:20241230T140836Z
UID:13513-1737640800-1737644400@saversmarketing.com
SUMMARY:How to Present Short-Term Care
DESCRIPTION:New to the senior market or looking to learn about Short-Term Care products for your clients? This is the Webinar for you. We are not going to dive into product details as much as highlight the How-To aspects of this must have product for seniors!
URL:https://saversmarketing.com/event/how-to-present-short-term-care-8/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250127T110000
DTEND;TZID=America/New_York:20250127T120000
DTSTAMP:20260403T171009
CREATED:20241230T141044Z
LAST-MODIFIED:20241230T141044Z
UID:13518-1737975600-1737979200@saversmarketing.com
SUMMARY:Spotlight on GTL
DESCRIPTION:Please Join us as we’ll host our friends from GTL on a special webinar. Cross-selling is essential for insurance agents…and it just so happens that ancillary coverage like STC\, Hospital Indemnity\, Cancer\, Heart Attack & Stroke planes is essential for consumers – it’s a true win\, win. With GTL you have access to outstanding products in each of the aforementioned categories. Join us to learn more!
URL:https://saversmarketing.com/event/spotlight-on-gtl-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250128T100000
DTEND;TZID=America/New_York:20250128T101500
DTSTAMP:20260403T171009
CREATED:20250102T182625Z
LAST-MODIFIED:20250102T182625Z
UID:13611-1738058400-1738059300@saversmarketing.com
SUMMARY:Integrity Tech Tip Tuesday: Free Call Recording with AI summaries
DESCRIPTION:
URL:https://saversmarketing.com/event/integrity-tech-tip-tuesday-free-call-recording-with-ai-summaries/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250128T110000
DTEND;TZID=America/New_York:20250128T113000
DTSTAMP:20260403T171009
CREATED:20241230T141139Z
LAST-MODIFIED:20241230T141139Z
UID:13520-1738062000-1738063800@saversmarketing.com
SUMMARY:Plan N for the Win
DESCRIPTION:In a world where every challenge is an opportunity for growth\, it’s time to elevate your strategy with Medicare Supplement Plan N. Join us for an exclusive webinar\, “Plan N for the Win\,” and discover how to transform obstacles into victories. With agents already harnessing the power of Plan N\, don’t miss your chance to get ahead.
URL:https://saversmarketing.com/event/plan-n-for-the-win-9/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250129T150000
DTEND;TZID=America/New_York:20250129T160000
DTSTAMP:20260403T171009
CREATED:20250128T150939Z
LAST-MODIFIED:20250128T150939Z
UID:13776-1738162800-1738166400@saversmarketing.com
SUMMARY:CSG Med Supp E-Applications...Aflac Now Available!
DESCRIPTION:Aflac – now available! Submitting an application is easier than ever with CSG Actuarial’s universal\, multi-carrier electronic application. It’s one application process for multiple carriers! Say good-bye to the headache and stress of having to learn multiple carrier e-app platforms. “Smart” App technology that verifies the application is accurate and complete before submission. Underwritten in real-time with logic to notify you of declinable conditions and prescriptions. Several methods accepted. One platform to manage all completed applications for multiple carriers: plan selection\, policy numbers\, and applications in progress.
URL:https://saversmarketing.com/event/csg-med-supp-e-applications-aflac-now-available/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250130T110000
DTEND;TZID=America/New_York:20250130T120000
DTSTAMP:20260403T171009
CREATED:20250123T131641Z
LAST-MODIFIED:20250123T131641Z
UID:13763-1738234800-1738238400@saversmarketing.com
SUMMARY:Mutual of Omaha: Tax Favorability of Traditional LTC
DESCRIPTION:I am confident business owners would be very interested to know they can write off all or a major portion of their LTC premiums through a business.   Business owners love to take advantage of tax benefits afforded to them. \nGuest Speaker:  Bill Beckett\,  Advanced Markets\, Mutual of Omaha \nLTC Tax Favorability \n-Benefit to Individuals \n-Benefit to “C” Corporations \n-Benefit to “Pass Throughs” (LLC\, “S” Corps\, Partnership\, Sole Proprietors) \n-How to Position the Benefit to your Business Owners \n-Review Executive Carve Out \n-Multi-Life Opportunities \n-Gifting LTC \n-Q & A
URL:https://saversmarketing.com/event/mutual-of-omaha-tax-favorability-of-traditional-ltc/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250204T100000
DTEND;TZID=America/New_York:20250204T103000
DTSTAMP:20260403T171009
CREATED:20250203T143549Z
LAST-MODIFIED:20250203T143549Z
UID:13831-1738663200-1738665000@saversmarketing.com
SUMMARY:Integrity Tech Tip Tuesday: Automate Thank You/Referral Emails
DESCRIPTION:
URL:https://saversmarketing.com/event/automate-thank-you-referral-emails/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250205T140000
DTEND;TZID=America/New_York:20250205T150000
DTSTAMP:20260403T171009
CREATED:20250203T144023Z
LAST-MODIFIED:20250203T144023Z
UID:13840-1738764000-1738767600@saversmarketing.com
SUMMARY:Introduction to the Integrity Technology Platform
DESCRIPTION:Learn how the Integrity Technology Platform works to help agents better serve and manage their clients\, grow their business and be more efficient. There are key features built into MedicareCENTER\, LifeCENTER\, LeadCENTER\, PlanEnroll and Ask Integrity that are driving agent success and helping them submit more business. \nBefore the webinar\, make sure to register for an Integrity account here: https://clients.integrity.com/ClientsSSO?utm_source=webinar
URL:https://saversmarketing.com/event/introduction-to-the-integrity-technology-platform/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250206T110000
DTEND;TZID=America/New_York:20250206T120000
DTSTAMP:20260403T171009
CREATED:20250203T144255Z
LAST-MODIFIED:20250203T144255Z
UID:13842-1738839600-1738843200@saversmarketing.com
SUMMARY:LeadCENTER | New User Training
DESCRIPTION:Integrity offers life and health agents access to high quality\, compliant leads at an affordable cost. This webinar is designed for new users to provide a high-level overview of the different lead types available\, how to order and receive leads\, and manage the leads in LifeCENTER and MedicareCENTER. Before the webinar\, make sure to register for LeadCENTER: \nhttps://leads.integrity.com/?utm_source=webinar
URL:https://saversmarketing.com/event/leadcenter-new-user-training-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250210T120000
DTEND;TZID=America/New_York:20250210T130000
DTSTAMP:20260403T171009
CREATED:20250203T144405Z
LAST-MODIFIED:20250203T144405Z
UID:13845-1739188800-1739192400@saversmarketing.com
SUMMARY:New\, Exclusive Life Leads in LeadCENTER
DESCRIPTION:Join us for an informative session about our new\, YOUR Exclusive Leads now available for purchase in LeadCENTER’s Marketplace. During this webinar\, we will explain how these leads are generated and provide details about the advertisements and lead forms that clients complete\, including the date the lead was generated\, beneficiary information\, coverage details\, and much more. You will gain insights into the cost per lead and average closing ratios. We will also demonstrate how to purchase leads by state and county\, as well as how to manage these leads in both LeadCENTER and LifeCENTER. As a bonus\, agents who attend this live webinar will receive a coupon for their next lead order and will be entered to win a $50 LeadCENTER voucher! \nRegister and sign into LeadCENTER here: https://leads.integrity.com/?utm_source=webinar
URL:https://saversmarketing.com/event/new-exclusive-life-leads-in-leadcenter/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250211T100000
DTEND;TZID=America/New_York:20250211T103000
DTSTAMP:20260403T171009
CREATED:20250203T143659Z
LAST-MODIFIED:20250203T143659Z
UID:13834-1739268000-1739269800@saversmarketing.com
SUMMARY:Integrity Tech Tip Tuesday: PlanEnroll Final Expense Leads
DESCRIPTION:
URL:https://saversmarketing.com/event/integrity-tech-tip-tuesday-planenroll-final-expense-leads/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250211T130000
DTEND;TZID=America/New_York:20250211T140000
DTSTAMP:20260403T171009
CREATED:20250130T164804Z
LAST-MODIFIED:20250130T164804Z
UID:13779-1739278800-1739282400@saversmarketing.com
SUMMARY:The MANHATTAN LIFE Med Supp Spotlight
DESCRIPTION:Join us for a webinar on the importance of Medicare Supplement in today’s market\, featuring insights from Manhattan Assurance Company (MAC). Known for its competitive pricing nationwide and a streamlined application process\, MAC stands out in the industry.
URL:https://saversmarketing.com/event/the-manhattan-life-med-supp-spotlight-5/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250211T130000
DTEND;TZID=America/New_York:20250211T140000
DTSTAMP:20260403T171009
CREATED:20250203T144841Z
LAST-MODIFIED:20250203T144841Z
UID:13847-1739278800-1739282400@saversmarketing.com
SUMMARY:Top 5 Most Useful Tools in CSG APP
DESCRIPTION:You can discover the most popular and useful tools within the CSG APP in MedicareCENTER. Agents report that these tools help them gain a better understanding of the Medicare market\, cross-sell more effectively\, and identify growth opportunities for their business. While CSG is the most widely used quoting tool for Medicare Supplement plans\, it offers much more than that! This training is ideal for new users and agents\, as well as those who want to enhance their knowledge of the market and increase their sales.
URL:https://saversmarketing.com/event/top-5-most-useful-tools-in-csg-app/
END:VEVENT
END:VCALENDAR