Keep it out of the Medicare Advantage appointment
During a personal marketing appointment for Medicare Advantage, agents may not market non-health products, such as annuities (42 CFR 422.2264). Final expense is life insurance, so keep it out of the Medicare appointment.
Don’t use other lines to generate Medicare leads
Unsolicited calls about other lines of business as a way to generate Medicare leads are not allowed (42 CFR 422.2264).
How to handle it
- Finish the Medicare appointment first.
- If the client asks about life insurance, set a separate appointment at their request.
- Follow your state’s life insurance rules and each carrier’s requirements, including any replacement forms.
Interested in life contracts too? Our agency also offers final expense contracts through FEXCareers.
General information for licensed agents, not legal advice. Rules change; always follow current CMS, state and carrier requirements.
Keep reading
Medicare Advantage compliance checklist for agents
Scope of Appointment, the TPMO disclaimer, call recording, unsolicited contact and other CMS rules for Medicare Advantage agents, with the regulation for each.
Read →Phone and in-person Medicare appointment rules
How the Scope of Appointment, call recording and the TPMO disclaimer apply to phone and in-person Medicare Advantage appointments.
Read →How to get Medicare Advantage contracts in 2027
A plain-English path for licensed agents: health license, E&O, AHIP, carrier certification, contracting and appointments for the 2027 plan year.
Read →Ready to request your Medicare contracts?
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