The Blog

Insights for tech-savvy agents

AI, Meta Ads, lead generation, and automation — practical playbooks for Health & Life insurance professionals.

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November 9, 2026 Mike Moore

The Medicare Prescription Payment Plan: A 2027 Agent Guide

Only 1% of eligible Part D beneficiaries used the Medicare Prescription Payment Plan in 2025, per Avalere. Here's the conversation agents keep skipping.

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November 8, 2026 Mike Moore

Medicare Educational Events in 2027: New CMS Rules

CMS's CY2027 rule drops the 12-hour wait between educational and marketing events and lets agents collect SOAs on-site again, effective October 1, 2026.

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November 7, 2026 Mike Moore

Life Insurance Replacement Rules in 2026

NAIC's replacement model hasn't changed since 2015, but Georgia, Florida, and California still run older versions. Here's what agents must actually do.

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November 5, 2026 Mike Moore

Following Up Aged Insurance Leads Without Breaking Consent

You have 400 old leads sitting in your CRM. Check consent scope, revocation flags, and state rules before texting one again: the full audit.

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November 4, 2026 Mike Moore

Asking AI Medicare Plan Questions Without Made-Up Numbers

Ask ChatGPT a Medicare premium question and you can get last year's number with this year's confidence. Here's how to check any answer first.

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November 3, 2026 Mike Moore

CMS Marketing vs Communications: What Agents Must Know

CMS splits every piece of content into marketing or communications with a two-part test. Here's the test, real examples, and where agents get it wrong.

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November 2, 2026 Mike Moore

AI Tools for Insurance Agents: What Each One Does Best

ChatGPT leads at 45% adoption, but only 8% use AI strategically, per Big I's 2026 survey. Here's what each kind of AI tool actually does well.

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October 30, 2026 Mike Moore

Meta Lead Form Consent: What Insurance Agents Must Add

Meta requires a privacy policy on your lead form. The FCC requires written consent for the texts and calls after it. Here is wording that satisfies both.

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October 29, 2026 Mike Moore

ACA Pre-Eligibility Verification: What Changes for 2028

CMS's proposed rule ties ACA premium tax credits to verified income, citizenship, residency and coverage data, starting with 2028 plan year applications.

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October 27, 2026 Mike Moore

TPMO Disclaimer 2027: Calls, Texts, and Email

CMS requires the TPMO disclaimer on calls, electronic messages, and websites. The exact wording for 2027, channel by channel, with the timing change.

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October 26, 2026 Mike Moore

NAIC AI Model Bulletin in 2026: What an Agency Must Document

25 states expect insurers to document AI governance under the NAIC Model Bulletin. Here is the written program your agency should build, with the checklist.

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October 25, 2026 Mike Moore

The ACA Premium Tax Credit Repayment Cap Is Gone for 2026

The IRS confirms the cap on repaying excess ACA premium tax credits is gone starting tax year 2026. Here's what changed, who it hits, and what to check now.

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