What should you know about Confirm authority and approved advertising?
Verify the required license, appointments and product training for the client's state. Use agency and carrier-approved materials and identify your role accurately. Do not use invented reviews, unsupported savings claims or implications of government affiliation.
What should you know about Treat replacements as a separate review?
Changing existing coverage can restart contestability periods or introduce new costs and benefit limitations. Follow applicable state replacement disclosures, including Florida requirements, and the carrier's process. Encourage clients to keep existing coverage in force until a proposed replacement is approved and reviewed.
What consent should agents verify before calls or texts?
Calling and texting can involve TCPA, do-not-call and state requirements depending on the method and circumstances. Use an approved contact process, retain appropriate consent evidence and honor opt-outs. Buying a lead does not by itself establish permission for every contact method.
What should you know about Protect information and application accuracy?
Use approved systems for sensitive data and share records only when authorized. Never complete health answers by guessing or telling clients to conceal information. Ask your compliance resources or an attorney when a rule is uncertain rather than improvising.