What Is The Difference Between Federally Facilitated Marketplace (FFM) Certification And America’s Health Insurance Plans (AHIP) Certification?

What Is The Difference Between Federally Facilitated Marketplace (FFM) Certification And America’s Health Insurance Plans (AHIP) Certification?

In the intricate world of health insurance in the United States, there are two necessary certifications. Federally Facilitated Marketplace (FFM) Certification and America’s Health Insurance Plans (AHIP) Certification. These certifications play significant roles in facilitating access to healthcare coverage and ensuring professionals are equipped to guide consumers through the complex insurance landscape. However, understanding the distinctions between FFM Certification and AHIP Certification is essential for both consumers and insurance professionals. Let’s jump into the nuances of each certification, highlighting their respective functions, benefits, and target audiences.

Understanding Federally Facilitated Marketplace (FFM) Certification:

The Federally Facilitated Marketplace (FFM) Certification is a program established by the Centers for Medicare & Medicaid Services (CMS) to train and certify individuals and organizations to assist consumers in enrolling in health insurance plans through the Health Insurance Marketplace. The FFM serves residents of states that have opted not to establish their own state-based individual marketplaces under the Affordable Care Act (ACA).

Key aspects of FFM Certification include:

Enrollment Assistance – FFM certified individuals and organizations, known as navigators, certified application counselors, or licensed agents, help consumers navigate the Health Insurance Marketplace. They provide guidance on plan options, eligibility criteria, enrollment procedures, and financial assistance opportunities. The marketplace learning management system (MLMS) is a platform accessible via CMS for marketplace training. New users need to register and access the training modules at the CMS enterprise portal.

Compliance Requirements – FFM Certification ensures that individuals and organizations comply with CMS standards and regulations governing enrollment assistance in the marketplace. This includes maintaining confidentiality, providing accurate information, and adhering to ethical standards.

Renewal and Recertification – FFM Certification is typically valid for one year, after which individuals and organizations must renew their certification through FFM training and assessment. Recertification ensures that certified entities remain up-to-date with changes in regulations, policies, and offerings for each plan year. However, the recertification is shorter than for new sales agents taking the exam the first time.

Understanding America’s Health Insurance Plans (AHIP) Certification:

America’s Health Insurance Plans (AHIP) Certification is a training program offered by the national trade association representing the health insurance industry. AHIP’s certification program is designed to educate insurance sales agents and brokers on various aspects of health insurance, including Medicare, Medicaid, individual and group health plans, and compliance with healthcare regulations.

Key features of AHIP Certification include:

Comprehensive Training – AHIP training provides agents and brokers with in-depth training on Medicare Advantage, Medicare Part D Prescription Drug Plans, Medicaid, individual and group health insurance plans, and the Affordable Care Act (ACA). The curriculum covers topics such as plan options, eligibility requirements, enrollment procedures, and compliance with regulatory standards.

Industry Recognition – AHIP Certification is widely recognized within the health insurance industry as a mark of professionalism and expertise. Insurance professionals who complete AHIP Certification demonstrate their commitment to delivering high-quality service and accurate guidance to clients.

Continuing Education – AHIP offers ongoing education and training opportunities to help insurance professionals stay current with industry developments, regulatory changes, and emerging trends. Continuing education courses enable certified sales agents and brokers to expand their knowledge and skills, enhancing their effectiveness in assisting consumers with insurance-related matters.

Differences Between FFM Certification and AHIP Certification:

While both FFM Certification and AHIP Certification are integral to the healthcare system, they serve distinct purposes and cater to different stakeholders.

Function and Audience – FFM Certification is primarily geared towards individuals and organizations that provide enrollment assistance to consumers in the Health Insurance Marketplace. AHIP Certification targets licensed insurance representatives who advise clients on products such as Medicare and Medicaid.

Focus and Scope – FFM Certification focuses specifically on facilitating enrollment in health insurance plans offered through the Marketplace and ensuring compliance with CMS regulations, while AHIP Certification covers a broader range of topics, including Medicare, Medicaid, individual and group health insurance, and ACA compliance.

Understanding the differences between Federally Facilitated Marketplace (FFM) Certification and America’s Health Insurance Plans (AHIP) Certification is essential for consumers seeking assistance with health insurance enrollment and insurance professionals providing guidance on different plans from providers. While FFM Certification focuses on facilitating enrollment in Marketplace plans and ensuring compliance with CMS regulations, AHIP Certification offers comprehensive training on various aspects of health insurance and is widely recognized within the industry.

Here at Premier Insurance Partners, we make selling insurance easy no matter where you are in your insurance career. We prioritize providing in-depth training to our sales agents to help their clients and grow your business. Find the best rate for your clients with our Medicare software for our top producers. Our annuity tool always offers the most recent changes. If you have any questions, please contact Premier Insurance Partner at 855-827-1661 or info@pip1.com.  

Can I Host An Educational Event To Generate Medicare Leads?

Can I Host An Educational Event To Generate Medicare Leads?

Educational Medicare events serve as an invaluable platform for generating leads, especially during the Annual Enrollment Period (AEP) for Medicare. However, sales activities must be avoided such as having a sign-in sheet or passing out enrollment forms. You cannot talk about plan-specific information related to prescription drug plans, Medicare Advantage, Medicare Supplements, premiums, copays or set future marketing appointments as examples.

Ensuring compliance with the regulations established by the Centers for Medicare and Medicaid Services (CMS) is paramount when organizing Medicare education events during the 2024 AEP. Medicare marketing and sales events have different CMS guidelines. Let’s explore the comprehensive guidelines provided by CMS for hosting educational seminars.

Establishing Your Medicare Educational Event: 

Before working on event planning, it’s imperative to outline your objectives clearly. Medicare education events are designed to educate beneficiaries about various Medicare programs, including Medicare Advantage, Part D, and others. It’s crucial to emphasize that these events should prioritize education over marketing specific plans. If the objective is marketing, strict adherence to CMS guidelines for Medicare sales events is mandatory. Furthermore, educational events must be conducted in public venues to ensure transparency and accessibility, avoiding private settings such as in-home or one-on-one sessions.

Virtual Medicare event:

Depending on carrier and state regulations, hosting a compliant virtual education event for Medicare beneficiaries or potential enrollees during the 2024 AEP may be a viable option. If opting for a virtual presentation, selecting an appropriate online platform like Zoom, or Facebook Live instead of a physical location is recommended. Consultation with carriers regarding specific rules for virtual events is essential to ensure compliance.

In-Person Medicare Educational Events:

Effective promotion is crucial for the success of educational events. Leveraging various marketing channels, such as radio, social media, and direct mail, can significantly enhance event visibility. However, strict adherence to specific guidelines is essential:

    • All promotional materials must clearly label the event as “educational” to accurately convey its purpose to potential attendees.
    • Including a disclaimer in event advertisements and invitations, stating: “For accommodations of persons with special needs at meetings, call [insert phone and TTY number],” is imperative to ensure inclusivity.

Moreover, distinguishing between enrollee-only events, aimed at retaining existing enrollees in a particular plan, and general educational events is essential. Any mention of benefits or retention marketing during enrollee-only events must align meticulously with carriers’ guidelines to maintain compliance.

Delivering Your Presentation:

During educational events, the primary focus should be on providing comprehensive information and fostering understanding among attendees regarding various Medicare programs. To ensure compliance and effectiveness, adherence to the following guidelines is recommended:
Educational Event Do’s:

    • Distribute objective and generic educational materials on Medicare Advantage (MA), Part D, and other Medicare programs to facilitate informed decision-making among attendees.
    • Responsively address queries posed by attendees to mitigate any potential ambiguities and enhance comprehension.
    • Provide generic business reply cards to attendees to facilitate further communication and follow-up.

Educational Event Don’ts:

    • Avoid disseminating enrollment applications or marketing materials containing specific plan information, as the primary emphasis should be on education rather than solicitation.
    • Refrain from offering cash or nominal gifts, as these could potentially influence attendees’ decision-making processes. You can offer light snacks and refreshments, but no meals as this can be considered an influencing factor also.
    • Steer clear of discussing carrier-specific plan benefits or distributing marketing materials or promotional items during the event to maintain neutrality and objectivity.

The Importance of CMS Compliance:

Adherence to CMS guidelines is very important for the success and integrity of educational events. CMS, along with carriers, rigorously monitors compliance and imposes stringent measures to address any violations. Potential consequences of non-compliance may include administrative penalties, cease and desist orders, or even license suspension or revocation for Independent Sales Agents. It’s crucial to understand and adhere to CMS guidelines diligently to ensure the seamless execution of Medicare education events and foster trust among attendees. Additionally, the presence of secret shoppers employed by CMS and carriers underscores the importance of meticulous adherence to guidelines to avoid any potential repercussions.

PIP remains firmly entrenched as an industry leader, setting the standard for excellence in the insurance industry. With its unparalleled knowledge, innovative approach, and unwavering dedication to client and sales agent success, Premier Insurance Partner is not just a field marketing organization (FMO) – it’s a driving force in the insurance industry in the Centennial State and beyond. 

If you have any questions related to Medicare or other insurance products such as annuities, life insurance or new to the insurance industry please don’t hesitate to reach out. You can fill out the contact form, call 855-827-1661, or email info@pip1.com.

 

What Are The Differences Between FMO, IMO, NMO, MGA, And GA In The Insurance Industry?

What Are The Differences Between FMO, IMO, NMO, MGA, And GA In The Insurance Industry?

Understanding the nuances and intricacies of the insurance industry requires a deep dive into the various entities and arrangements that facilitate the distribution and management of insurance products. Among these, terms such as FMO, IMO, NMO, MGA, and GA are important, each representing a distinct role or structure within the insurance ecosystem.

Let’s examine these terms’ functions, differences, and contributions to the insurance landscape.

Field Marketing Organization (FMO):

Field Marketing Organizations, commonly known as FMOs, play a crucial role in the insurance industry, particularly in facilitating the relationship between insurance carriers and independent sales agents or producers. FMOs act as intermediaries, providing a range of support services to independent sales representatives to enhance their sales and operational capabilities.

At the core of an FMO’s function is its ability to recruit, train, and support insurance sales agents. They are often referred to as independent producers and rely on FMOs for various resources and assistance in navigating the complexities of the insurance market.

Key aspects of FMOs:

Recruitment and Training: FMOs actively recruit insurance sales agents, attracting individuals who are interested in selling insurance products. Once recruited, FMOs typically provide comprehensive training programs to educate insurance sales agents about different insurance products, sales techniques, compliance requirements, and industry best practices.

Marketing Support: FMOs offer marketing support to sales agents, helping them develop strategies to reach potential clients and promote insurance products effectively. This support may include access to marketing materials, advertising templates, digital marketing tools, and other resources to enhance insurance sales agents’ visibility and initiatives like lead generation.

Product Access: One primary benefit of partnering with an FMO is access to a wide range of insurance products from multiple carriers. FMOs maintain relationships with various insurance companies, allowing insurance sales agents to offer diverse coverage options to their clients. This enables independent sales agents to tailor insurance solutions to meet individual policyholders’ specific needs and preferences.

Administrative Assistance: FMOs assist insurance sales agents with administrative tasks related to policy issuance, underwriting, and claims processing. By handling administrative functions for licensed insurance representatives, FMOs enable them to focus on sales and client relationships without being bogged down by paperwork or procedural complexities.

Compliance Guidance: Compliance with regulatory requirements is paramount in the insurance industry. FMOs help insurance sales agents navigate the complex landscape of state and federal regulations governing sales representatives and marketing practices. They guide compliance issues, ensure sales agents adhere to ethical standards, and assist in resolving compliance-related issues, such as selling Medicare Advantage or Medicare Supplement policies.

FMOs are strategic partners for insurance sales agents, empowering them to succeed in a competitive marketplace. By offering comprehensive support services, FMOs help insurance sales agents maximize their sales potential, expand their client base, and build long-term relationships with policyholders.

Insurance Marketing Organization (IMO):

Insurance Marketing Organizations, or IMOs, are similar to FMOs in their role of supporting insurance sales agents and facilitating the distribution of insurance products. However, IMOs may operate with a broader focus or specialize in specific market segments or product lines.

IMOs’ key functions closely resemble those of FMOs, encompassing recruitment, training, marketing support, product access, administrative assistance, and compliance guidance. Like FMOs, IMOs serve as valuable partners for independent sales agents, offering a range of resources and services to help them succeed in their business endeavors.

IMOs may differentiate themselves in their specialization as financial institutions. Some IMOs may focus on particular types of insurance products, such as life insurance, Medicare, or annuities, while others may target specific demographic groups or market segments. By honing their expertise in a particular area, IMOs can provide insurance sales agents with specialized training, marketing materials, and product knowledge tailored to the needs of their target audience.

Additionally, IMOs may operate at a regional, national, or even international level, serving insurance sales agents across multiple geographic areas. This broader reach allows IMOs to leverage economies of scale and negotiate favorable contracts with insurance carriers, thereby enhancing the value proposition for their affiliated sales agents.

In summary, IMOs are vital in the insurance distribution channel. They offer insurance sales agents specialized support and resources to effectively market and sell insurance products. Whether through niche expertise, regional coverage, or tailored services, IMOs contribute to the growth and success of sales representatives operating in diverse market environments.

National Marketing Organization (NMO):

National Marketing Organizations, or NMOs, represent a subset of marketing organizations that operate at a national level. While the term “NMO” is not as commonly used as “FMO” or “IMO,” it essentially refers to marketing organizations with a broad geographic scope, covering multiple regions or states within a country.

NMOs share many similarities with FMOs and IMOs regarding their functions and services. They recruit, train, and support insurance sales agents, providing access to a wide range of insurance products from multiple carriers. NMOs also offer marketing support, administrative assistance, and compliance guidance to help insurance sales agents navigate the intricacies of the insurance market.

The distinction lies in the scale of operations and geographic coverage. Unlike local or regional marketing organizations, NMOs have a national footprint, allowing them to serve sales agents nationwide. This broader reach enables NMOs to offer comprehensive support services to insurance sales agents operating in diverse markets and regulatory environments.

NMOs may cater to specific market segments or product lines, leveraging their national presence to establish partnerships with insurance carriers and develop customized solutions for sales agents. By pooling resources and expertise nationally, NMOs enhance the competitiveness and efficiency of their affiliated sales agents, enabling them to thrive in a dynamic and competitive insurance landscape.

In summary, NMOs represent a tier of marketing organizations with a national scope. They provide independent sales agents with extensive support and resources to succeed in the insurance industry. Through their broad geographic coverage and specialized services, NMOs play a crucial role in facilitating the distribution of insurance products and driving growth for independent sales agents.

Managing General Agent (MGA):

Managing General Agents, or MGAs, occupy a unique position within the insurance distribution channel. They often serve as intermediaries between insurance carriers and independent sales agents. Unlike FMOs or IMOs, which primarily focus on supporting independent insurance sales agents, MGAs have underwriting authority granted by insurance carriers, allowing them to assume certain responsibilities typically reserved for insurers.

The key functions of MGAs include underwriting, policy issuance, and claims handling, although the extent of their authority may vary depending on the arrangement with the insurance company. Here are some essential aspects of MGAs:

Underwriting Authority: MGAs are authorized to underwrite insurance policies on behalf of insurance carriers, assessing risks, determining coverage eligibility, and setting premiums. This underwriting authority empowers MGAs to make policy issuance and pricing decisions subject to the guidelines and approval processes established by the insurer.

Policy Issuance: Once a policy is underwritten and approved, MGAs are responsible for issuing the insurance contract to the policyholder. This involves preparing the policy documents, collecting premiums, and ensuring all necessary disclosures and endorsements are included in the policy terms.

Claims Handling: In addition to underwriting and policy issuance, MGAs may also handle claims on behalf of the insurance carrier. This includes processing claims, investigating losses, determining coverage eligibility, and coordinating the payment of claims to policyholders.

Distribution Channel: MGAs have underwriting authority but typically rely on independent sales agents

GA (General Agent):

In some contexts, a GA may refer to a General Agent, which is similar to an MGA. Like an MGA, a GA is granted underwriting authority by an insurance company and may have responsibility for underwriting, policy issuance, and claims handling. The specific responsibilities and authority of a GA may vary depending on the arrangement with the insurance company. General agents act as insurance wholesalers to other independent insurance agents and brokers, who then sell the products to the person or company who will use the insurance product.

Overall, while these terms may vary in specific details or nuances, they all represent entities or arrangements involved in distributing and managing insurance products. They serve as intermediaries between insurance carriers and independent sales agents or policyholders.

If you need more information or have questions about any of the financial services products offered above, please contact Premier Insurance Partners at 855-827-1661 or info@pip1.com.

 

Top Rated Senior Medicare FMO for Independent Insurance Agents and Insurance Agencies

Top Rated Senior Medicare FMO for Independent Insurance Agents and Insurance Agencies

Navigating the multifaceted realm of insurance demands a strategic partnership that transcends mere transactions with the ideal Medicare Field Marketing Organization (FMO) for independent insurance agents.

At Premier Insurance Partners, we pride ourselves on being more than just an FMO; we’re your dedicated ally, committed to empowering agents like you with unmatched resources and unwavering support. Join us as we embark on a journey to uncover the essence of Medicare FMOs, shed light on the unique advantages of partnering with Premier Insurance Partners, and unveil a comprehensive suite of services designed to elevate your success in the insurance arena. Whether you’re a seasoned professional seeking to optimize your operations or a newcomer eager to carve your path, we are your gateway to unlocking boundless opportunities and realizing unprecedented growth in your career. Let’s embark on this transformative journey together.

Medicare FMOs (Field Marketing Organizations) are instrumental entities in the insurance industry, acting as vital intermediaries between insurance companies and independent insurance agents. They provide agents with access to a diverse array of insurance products, marketing support, back-office support, training resources, incentives, and invaluable services.

At Premier Insurance Partners, we recognize the paramount importance of Medicare FMOs for independent insurance agents. Our mission is to empower agents with the tools and provide agent support to thrive in the fiercely competitive insurance market.

What is a Medicare FMO?

A Medicare FMO serves as a specialized organization that collaborates with insurance companies to offer their products to independent insurance agents. FMOs grant agents access to multiple carriers and insurance products, enabling them to better cater to their clients’ needs. Partnering with a Medicare FMO brings a host of benefits, including access to a diverse range of insurance options, higher commissions, marketing support, training programs, administrative assistance, streamlined enrollment processes, and opportunities to offer health plans including Medicare Advantage plans and Medicare supplements. Some FMO’s even offer lead programs. By aligning with an insurance FMO, agents can focus on selling policies while leveraging the resources and knowledge of the organization.

Why Choose Premier Insurance Partners as Your Medicare FMO?

Premier Insurance Partners distinguishes itself as a trusted Medicare FMO provider for several compelling reasons. We know the Medicare market and understand Medicare sales and your Medicare business. We prioritize the success of our Medicare agents and offer an array of benefits to bolster their standing in the industry. Our unwavering commitment to excellence is evidenced by our track record of satisfied agents and successful partnerships. We take pride in delivering personalized support, innovative technology solutions, competitive commissions, streamlined enrollment processes, and opportunities to offer Medicare Advantage plans, Medicare supplements, prescription drug plans, health insurance, and IMO services to our agents. With Premier Insurance Partners, agents can anticipate unwavering support from a team of industry veterans and real people who understand the senior market, access to premier insurance carriers, comprehensive training programs, state-of-the-art marketing tools, and opportunities to expand their business through various insurance products and services. We go above and beyond to ensure that our agents have everything they need to flourish, especially during AEP.

Services Offered by Premier Insurance Partners

Premier Insurance Partners offers an extensive suite of services and resources tailored to support agents in their professional endeavors which encompass:

Training programs: Our training programs encompass a diverse array of topics, including product knowledge, sales techniques, compliance, and marketing strategies. We provide both online webinars and in-person training sessions to accommodate various learning styles and preferences. Our training programs are designed to equip agents with the knowledge and skills necessary to excel in the dynamic insurance market. We also excel in training agents how to cross sell other products besides Medicare Policies such as life insurance and annuities.

Marketing support: We provide a myriad of marketing resources and sales tools to assist Medicare Agents and investment advisors in generating leads, promoting their services, and expanding their client base. From customizable marketing materials for lead generation to digital marketing campaigns, we equip agents with the resources they require to succeed. Our marketing support services are designed to help agents effectively market their services and attract new clients. We even offer free leads to help you sell more insurance products!

Technology solutions: Our cutting-edge technology platform streamlines the insurance sales process, facilitating seamless management of their business and organizational endeavors to maximize their efficiency. Our platform integrates features such as CRM integration, quoting tools, e-signature capabilities, and reporting tools to enable agents to monitor their progress and performance effectively.

How to Get Started with Premier Insurance Partners

Complete the contact us form: provide accurate information about yourself and your insurance business to expedite the application process.

Once approved, you’ll be granted access to our agent portal and training materials: Take the time to familiarize yourself with our platform and resources to make the most of your partnership with us.

Participate in our onboarding sessions and training programs: Attend our onboarding sessions and training programs to gain insights into our products, services, and technological platform. Our training programs are designed to equip you with the knowledge and skills necessary to succeed in the insurance market.

Commence selling insurance policies and serving your clients: With the support of our experienced team and resources, commence selling insurance policies and serving your clients. Leverage our comprehensive suite of services to grow your business and achieve your goals as an independent insurance agent.

Initiating your journey with Premier Insurance Partners is a streamlined process. You can fill out the contact form, call 855-827-1661, or email info@pip1.com.

 

 

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Top Rated Field Marketing Organization In Colorado: Unveiling The Centennial States Finest

Top Rated Field Marketing Organization In Colorado: Unveiling The Centennial States Finest

In the vibrant landscape of Colorado’s insurance industry, our organization stands out as the best field marketing organization in Colorado. We are a field marketing organization, also known as an independent marketing organization, or Medicare Field Marketing Organization located in Loveland, CO about an hour north of Denver. Renowned for its strategic prowess, creativity, and unwavering commitment to client success, Premier Insurance Partners has earned its reputation as the premier field marketing organization in the Centennial State.

As a senior insurance FMO, Premier Insurance Partners has demonstrated a remarkable ability to tailor its approach to meet the unique needs and objectives of each client, making it one of the top rated insurance FMOs. The team at Premier Insurance Partners leverages a combination of cutting-edge tactics and time-tested strategies to deliver exceptional results in the insurance industry.

PIP is here to serve you with annuities, final expense insurance, life insurance, Medicare Advantage and Supplement Plans, Short-Term Medical and ACA Plans. Unlike other FMOs we focus on sales ideas and lead generation by developing a marketing strategy for insurance agents and financial advisors.

In addition to our local knowledge, we are also at the forefront of marketing innovation. We embrace emerging technologies and trends, constantly seeking out new ways to engage consumers and drive results. Whether it’s harnessing the power of social media, implementing immersive experiential marketing activations, or leveraging data analytics to inform decision-making, we are always pushing the boundaries of what’s possible in the field of insurance marketing. We are dedicated to our agents, so they can be highly skilled and dedicated to their clients.

As a senior insurance FMO, Premier Insurance Partners has demonstrated a remarkable ability to tailor its approach to meet the unique needs and objectives of each client, making it one of the best insurance FMOs. The team at Premier Insurance Partners leverages a combination of cutting-edge tactics and time-tested strategies to deliver exceptional results in the insurance industry.

One of the key pillars of our success lies in our deep understanding of the market. With a team of seasoned professionals who possess intimate knowledge of the insurance industry.

Why partner with the premier FMO in Colorado?

  • Discounted E&O Insurance coverage now available for insurance agents and investment advisors. We offer a Group Sponsored E&O Insurance Program, you can find all the information needed to obtain your insurance agent’s liability insurance which is quick and easy.
  • Access to the top software our Medicare Agents say is a must and creates instant results. Here is more information to Revolutionize Your Medicare Business.
  • We offer several tips and tools to help you grow your business, including an annuity and Medicare sales tool kits.
  • With our Virtual Selling Tips And Tools we help you make the most out of working remotely. Resources include how to submit electronic applications, hosting webinars, and more.
  • We also offer a Free Insurance Leads Program for both insurance agents and insurance agencies. The leads are from seminars, direct mail, digital marketing services, and TV for people interested in various products such as annuities, Medicare Supplement Insurance, and Final Expense Insurance.

Want to increase your income as an agent or advisor? Here is how we can make that happen.

  • Turnkey radio show and podcast to elevate yourself as an expert
  • Annuity TV leads with a high close rate and average premium over $200,000
  • Become an RIA (registered investment advisor) with guidance from industry veterans. Agents average 3 times more insurance sales.

As Colorado’s insurance landscape continues to evolve and grow, PIP remains firmly entrenched as the industry leader, setting the standard for excellence in the insurance industry. With its unparalleled knowledge, innovative approach, and unwavering dedication to client and agents’ success, Premier Insurance Partner is not just a field marketing organization – it’s a driving force in the insurance industry in the Centennial State and beyond.

 

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