Podcasts about fmo

OIP's long-term care planning framework is a simple four-step process: Educate → Discover → Present Solutions → Execute. Scott and Bill emphasize that LTC (or “elder care/aging with dignity”) planning works best when it starts early and stays plan-first, not product-first—otherwise the conversation turns into a transaction. They also stress that “self-insuring” is still a plan, but many clients underestimate the non-financial consequences (family burden, caregiver strain, and messy dynamics) that show up when there's no proactive strategy.Evan explains how Waterlily makes these conversations easier and more personalized: a short client intake generates an individualized care timeline (likelihood, timing, duration, care hours, and zip-code-based costs) and helps clients visualize tradeoffs like family caregiving vs. paid professional care. The platform can also model funding approaches by importing policy PDFs (or illustrations) to simulate how benefits would actually pay during a client's predicted claim scenario, and it supports quoting/application workflows to reduce friction and improve execution. **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

The Friday Five for January 16, 2026: Instagram “Your Algorithm” Personalization Apple Health+ on the Horizon? Apple Creator Studio ACA Subsidy Extension Passes House 2026 ACA Enrollment Snapshot #2   Get Connected:

Leads are crucial to the success of your insurance business. Take a step outside the box with these creative Medicare lead-generation ideas!     Read the text version    

Expand your Affordable Care Act client base with these six lead generation strategies!   Read the text version  

The Friday Five for January 9, 2026: Rural Health Transformation Program Allocations Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model Global Benchmark for Efficient Drug Pricing (GLOBE) Model Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model Clear, Accurate, and Actionable Health Care Prices      Get Connected:

Discover all the reasons why we think Gen Z is a great match for the insurance industry!    Read the text version  

Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement.   Read the text version  

In this episode, we're tapping our past podcast guests for more advice. This time around, we asked what advice they would offer to more seasoned insurance agents.   

Just starting out in the insurance industry? There's a lot to learn! We've compiled some tips from past podcast guests on the advice they would give to new insurance agents.   

It's important that agents are equipped to handle Medicare grievances when they arise. Listen to learn how to prepare and best practices for avoiding these situations.   Read the text version  

The Affordable Care Act health insurance is a great option for many. But it may not be the right fit for your clients. Discover ACA alternatives that fit your clients' needs.   Read the text version  

Sarah reveals the top Agent Survival Guide Podcast episodes of 2025. Did your favorite episode make the cut? You'll have to listen to find out!  

Join our merry elves as we celebrate the newest Content Library release: A Happy, Healthy Christmas! We talk content with a cup of holiday cheer and a heaping side of nostalgia.   Resources: Content Library – A Happy, Health Christmas Packet Ritter Insurance Marketing Content Library YouTube Series – Cold Coffee & Stale Donuts   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance   Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/  

Sarah and Tina are back with another gift guide to help you survive holiday shopping! Listen as they chat about their favorite gifts to give and maybe one or two they're hoping to receive this year.  

Rabobank en de ontwikkelingsbank FMO willen bijdragen aan de duurzame ontwikkeling van Paraguay. Dat leidde onder andere tot een belang van 29% in de grootste bank van het land. Die Paraguayaanse bank blijkt nu een grootgrondbezitter te financieren die herhaaldelijk in verband is gebracht met illegale ontbossing. Onderzoeksjournalist Noah Moeys dook in alles wat er te vinden was over deze sojaboer en vertelt hoe de twee Nederlandse banken reageren op deze kwestie. TNO onderzoekt – in opdracht van het ministerie van Economische Zaken – de mogelijke vestiging van een kennisinstituut voor de chipindustrie in Almere. De verwachting is dat het centrum €450 mln gaat kosten en dat het gebouwd zal gaan worden naast het oude Floriade-terrein. Samen met technologieredacteur Bert van Dijk bespreken we waarom Almere de beoogde locatie is en hoe groot de kans is dat dit plan doorgang zal vinden. Redactie: Sophia Wouda & Floyd Bonder Presentatie: Floyd Bonder See omnystudio.com/listener for privacy information.

Use these questions to help your client find the right Affordable Care Act coverage! Read the text version

The Friday Five for December 12, 2025: Wrapping Up AEP 2026 Spotify Wrapped 2025 Pebble Index 01 2026 ACA Enrollment Snapshot #1 KFF 2026 Medicare Advantage Spotlight   Get Connected:

New coverage year, new changes to Medicare Part D! Don't miss our refresher on the Part D Redesign updates coming in 2026. Familiarize yourself with these changes now so you can be a helpful resource for your clients!   Read the text version  

Before you wrap it up and put a bow on it, does that gift for your Medicare client follow CMS guidelines? Listen to this episode of the Agent Survival Guide Podcast to find out and stay compliant!   Read the text version  

In this episode we're highlighting some important things to think about while AEP is still fresh in your mind. Read the text version  

As a certified insurance agent, staying CMS compliant is a crucial component to your success. Listen to this episode for a mini crash-course on best practices, guidelines, and resources to stay compliant.   Read the text version  

Your client's Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it's important.   Read the text version  

Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio.   Read the text version  

CMS recently published their 2027 Medicare Advantage and Part D Proposed Rule. In this week's Friday Five episode, we talk initial takeaways and the impact on agents and beneficiaries.   Get Connected:

Serve your clients and stay CMS compliant. That's your priority as an insurance agent. Here at Ritter, we're happy to help! Check out this episode for a refresher on what you can't say during Medicare sales appointments and why. Read the text version  

Marketing is a vital part of any business. But when it comes to marketing your services as an agent selling Medicare, there are specific rules and regulations. To help you out, we've compiled a list of FAQs around compliant Medicare marketing. Press play to get started!   Read the text version  

Após golpe militar na Guiné-Bissau, Umaro Sissoco retirado para o Senegal. UNITA reúne-se em Congresso de hoje até domingo. Na véspera do encontro, o maior partido da oposição angolana suspendeu dois militantes. Governo moçambicano revê em baixa o crescimento económico para 2025.

Frustrated by Medicare plans going non-commissionable? We get it, and we've got some actionable tips for insurance agents navigating these changes.   Read the text version  

Learn more about how the Telephone Consumer Protection Act applies to insurance agents. ⚠️ Spoiler Alert: the TCPA also applies to text messages.   Read the text version  

Get ready to host a Medicare educational event with help from the Agent Survival Guide! We highlight what agents need to know to stay compliant with your carriers and CMS Rules. Read the text version  

Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode!   Read the text version  

The Friday Five for November 21, 2025: Update on Telehealth Prescription Flexibilities Google Calendar Tasks Feature Medigap F, G & J Deductibles for 2026 Medigap K & L Out-of-Pocket Limits for 2026 Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections   Get Connected:

Congrats on making it this far into AEP! Take time to access what is and isn't working for your business and hear our tips for improvement!   Read the text version  

The Friday Five for November 14, 2025: iPhone Pocket Brings Back… Pockets. CMS Rural Health Transformation Program Government Shutdown Update Most-Favored Nation Drug Pricing CMS GENEROUS Model   Get Connected:

Want to improve your selling skills? Learn how to make a better insurance sales pitch! We outline four game-changing sales presentation tips for insurance agents.   Read the text version  

Feeling frustrated this enrollment season? This episode is for you! We've got some ideas to help you take a break, take care, and make it through AEP and OEP.   Get Connected:

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version  

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!   Read the text version  

No tricks, just a treat of an episode that miiiight leave you sleeping with the lights on tonight. Our staff volunteered to tell some spooky stories that line up with locations featured in our Content Library Top Spooky Spots series. We hope you enjoy it!   Content Library: The Top Spooky Spots for Halloween   Previous Content Library Interviews: Content Library: Cooking for Beginners ft. Jeff Snyder Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Get Connected:

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version  

The Friday Five for October 24, 2025: Field Notes & Countdown to OEP OpenAI Announces ChatGPT Atlas Apple Beta Updates for Liquid Glass ACA Premiums& Tax Credits Status Check Ask Integrity Plan Insights   Get Connected:

Don't let anxiety take away your potential. In this episode, we've got tips to help insurance agents overcome anxiety, turning it into fuel for your success.   Get Connected:

The Friday Five for October 17, 2025: Social Security 2026 COLA delayed Meet Rust-Out; the apathetic cousin of Burnout Instagram Goes PG-13 for Teens 13-17 A Chat with Jake McGeoy for our Maryland Agents eHealth Medicare AEP Consumer Insights Survey   Get Connected:

You've got a full day of appointments… great! But do you have everything you need? Don't miss our list of small items that agents often forget. Remembering them can make a big difference in keeping you organized and stress-free when you're on the road.   Read the text version   Get Connected:

The Friday Five for October 10, 2025: Medicare Telehealth in Limbo Potential Delay for 2026 COLA? Public Support for Extending ACA Subsidies FFM Certification Now Available 5 Days Until AEP 2026   Get Connected:

CMS released their 2026 Medicare Advantage and Medicare Part D projections this week. Join Sarah as she highlights info for agents, from estimates on enrollment and premiums to plan accessibility and more!   Get Connected:

You've probably heard that partnering with a field marketing organization is a great idea for independent agents. Today, we're diving into the WHY. Learn more about Ritter Insurance Marketing: a national FMO offering resources and support for agents like you.   Read the text version   Get Connected:

The Friday Five for September 26, 2025: AEP Countdown & Ritter Resources New D-SNP Client Resources Hacking Your Social Media Algorithm iOS 26 Updates to Apple CarPlay The Fight for ACA Enhanced Premium Tax Credits   Get Connected:

The Friday Five for September 19, 2025: Wrapping up the 2025 Ritter Summits Compliant Compensation for Medicare Sales, Renewals, or Services New Features for Spotify Free & Premium Introvert, Extrovert, Ambivert… Otrovert? Announcing the Launch of IntegrityCONNECT     Get Connected: