Consumers ready for a licensed agent

Four products, four sets of rules, one standard underneath all of them. Transfers reach only the states where your agents hold an active license and your carriers are writing. Each lead carries a consent record captured at the moment of opt in and stored where it can be produced years later, and audio is captured from the first ring. What changes by product is the disclosure language and which regulator takes an interest: CMS for Medicare, the marketplace and state departments for ACA, state insurance codes for final expense and auto. Your compliance reviewer signs off on the wording for each one before launch, and how those rules apply to your business is a judgment for you and your counsel rather than for us.

Four windows govern most of this work. Medicare annual enrollment runs October 15 to December 7 and carries the heaviest demand of the year, which is why creative and audiences are finished in September instead of started in October. Marketplace open enrollment overlaps it, opening November 1 and closing in mid January across most of the country, though several state exchanges keep later dates of their own. The Medicare open enrollment period, January 1 to March 31, allows one plan change and is the last fixed date on the calendar. Special enrollment then runs all year on qualifying events, a move, a marriage, a birth, a job ending, and it is what keeps health campaigns producing between the fixed windows. Final expense and auto sit outside the calendar entirely and run at their own tempo while the health products surge.

The first number in an insurance plan is not a budget. It is how many licensed agents you will have taking calls, and in which hours, because seats set the ceiling on everything above them. Buying past that ceiling produces hold times, abandoned callers, and a consent record for a conversation nobody had. So the plan gets written backwards from your staffing, and it moves up when you add agents or extend hours. If you are unsure what your team can absorb, we start under the estimate and raise the pace once answer rates say there is room.