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What Is Medicare OEP and How Does It Work?

What Is Medicare OEP and How Does It Work?

What Is Medicare OEP and How Does It Work?

If you work in Medicare insurance, you’ve probably heard the term “Medicare Open Enrollment Period (OEP)” tossed around. But what is Medicare OEP, and why does it matter for your business?

At Premier Insurance Partners (PIP), we know how important it is to stay informed and compliant during every enrollment period. That’s why we created this guide, to help you understand the rules, timelines, and strategies that make OEP a success.

Understand the OEP Timeline and Rules

Medicare OEP runs from January 1 to March 31 each year. During this time, clients enrolled in a Medicare Advantage (MA) plan can make one plan change. This is not a free-for-all like AEP, so understanding the limits is key.

How It Differs From AEP

The Annual Enrollment Period (AEP) happens in the fall and allows multiple changes. OEP is different; it’s shorter, more restrictive, and focused only on Medicare Advantage adjustments. Knowing this distinction helps you guide clients correctly.

Key Dates and Rules

OEP Runs From January 1 to March 31

This three-month window is your opportunity to assist clients who want to switch Medicare Advantage plans or return to Original Medicare. After March 31, changes are locked in until the next AEP.

Only One Plan Change Is Allowed Per Client

Clients can’t make multiple switches during Medicare Advantage Open Enrollment. Once they change their coverage, that’s it until the next enrollment period.

Types of Changes Clients Can Make

Switch From One Medicare Advantage Plan to Another

If a client isn’t happy with their current Medicare Advantage plan, they can move to a different one during MA OEP.

Drop Medicare Advantage and Return to Original Medicare

Clients can also leave Medicare Advantage entirely and go back to Original Medicare. They may add a Part D prescription drug plan at this time.

Compliance Guidelines for Agents

What You Can and Cannot Do During OEP

You can educate Medicare beneficiaries and respond to their questions, but you cannot initiate unsolicited contact or aggressively market plan options. CMS rules are strict and violations can lead to penalties.

Avoiding Unsolicited Marketing and Prohibited Activities

Agents cannot cold call, send unsolicited emails, or approach prospects without permission. You may only market to individuals who initiate contact, attend an approved educational event, or request information, and all outreach must follow CMS guidelines.

Marketing Strategies That Follow CMS Rules

Educational Events and Approved Outreach

Host informational sessions that explain Medicare options without steering attendees toward a specific Medicare plan. These events build trust and keep you compliant.

Using Compliant Materials and Scripts

Always use CMS-approved materials and follow scripts that meet compliance standards. PIP provides these resources so you can market confidently.

How PIP Supports Agents During OEP

Access to Compliance Training

We offer training that keeps you up-to-date on CMS guidelines, so you never have to worry about crossing the line.

Marketing Resources and Plan Comparison Tools

Our tools make it easy to compare plans and present options clearly to clients. Plus, we provide ready-to-use compliant marketing materials.

FAQs

What Is Medicare OEP?

Medicare OEP is the Open Enrollment Period from January 1 to March 31, allowing clients to make one plan change.

How Is OEP Different From AEP?

AEP runs in the fall and allows multiple changes. OEP occurs early in the year and permits only one change.

What Changes Can Clients Make During OEP?

Clients can switch Medicare Advantage plans or return to Original Medicare.

What Compliance Rules Apply During OEP?

Agents cannot make unsolicited contact or market aggressively; all outreach must follow CMS guidelines.

Where Can Agents Get Help With OEP Compliance?

Premier Insurance Partners provides training and resources to help agents stay compliant and succeed.

Final Thoughts

Understanding what is Medicare OEP is essential for every agent. This period offers a chance to help clients make important changes, but it comes with strict rules. By following CMS guidelines and using the right strategies, you can serve your clients well and grow your business.

At Premier Insurance Partners, we’re here to support you every step of the way. From compliance training to marketing resources, we have what you need to succeed during OEP. Contact us today to learn more and get started!

 

 

Preparing for Medicare OEP: What Agents Need to Know

Preparing for Medicare OEP: What Agents Need to Know

Preparing for Medicare OEP: What Agents Need to Know

The Annual Enrollment Period (AEP) may be over, but your work as an insurance agent isn’t done yet. The Medicare Open Enrollment Period (OEP) is right around the corner, and it’s your chance to help clients make important plan changes. At Premier Insurance Partners (PIP), we know how critical this time is for your business. That’s why we’ve put together practical tips to help you prepare for Medicare OEP and stay ahead of the competition.

Understand the OEP Timeline and Rules

Before you dive in, make sure you understand the basics of OEP. This period runs from January 1 to March 31, and it allows Medicare Advantage members to make one plan change, either switching to another Medicare Advantage plan, changing Part D prescription drug coverage, or returning to Original Medicare.

Key Dates for Medicare OEP

  • January 1: OEP begins in the new year
  • March 31: OEP ends.
  • April 1: New coverage starts for any changes made during OEP.

Compliance Reminders for Agent Activities

During OEP, you can’t cold call or market aggressively to Medicare Advantage members. Instead, focus on servicing clients with existing Medicare coverage and responding to inbound requests asking to choose a new plan. Always follow CMS guidelines to avoid penalties.

Review Your AEP Performance

The best way to improve during Open Enrollment is to learn from past enrollment periods.

Analyze What Worked and What Didn’t

Look at your sales numbers, outreach strategies, and client feedback. Which tactics brought the most success? Which ones fell short?

Identify Opportunities for Improvement

Maybe you need better follow-up emails or additional educational content. Use these insights to refine your approach as you prepare for Medicare OEP.

Organize Your Client List

A well-organized client list is your secret weapon to enrollment.

Segment Clients Who May Benefit from Plan Changes

Identify customers who:

  • Recently enrolled in Medicare Advantage and qualify for a change.
  • Expressed dissatisfaction with their current Medicare plan.
  • Have changing health needs.

Prepare Outreach Strategies for Each Group

Create tailored messages for each segment based on what they are looking for and their coverage options. Personalization builds trust and increases engagement.

Update Your Marketing Materials

Your marketing should be fresh and compliant.

Refresh Email Templates and Social Posts

Update your content and information to reflect OEP opportunities. Keep the tone helpful and informative.

Ensure Compliance with Centers for Medicare & Medicaid Services (CMS) Guidelines

Double-check that your materials meet CMS requirements. Non-compliance can lead to fines and lost business.

Leverage PIP Resources

You don’t have to tackle OEP alone; Premier Insurance Partners is here to help you succeed. When you prepare for Medicare OEP, having the right tools and guidance can make all the difference.

Access Training and Support Tools

Our resource library includes compliance checklists, outreach scripts, and marketing templates designed specifically for annual open enrollment. These tools save you time and ensure you stay compliant while serving your clients effectively.

Join Webinars for Last-Minute Tips

Our live webinars give you insider strategies and answer your questions in real time. You’ll learn how to handle tricky client scenarios, maximize retention, and boost your productivity during OEP. Plus, you’ll connect with a network of other agents who share best practices and success stories.

Tap Into Industry Guidance

Need personalized assistance? Our support team is just a call or email away. Whether you’re unsure about CMS rules, provider information, or want help refining your outreach plan, we’re available to you every step of the way.

Stay Motivated and Goal-Oriented

OEP can feel like a sprint after the marathon of AEP, but staying focused will help you finish strong. Motivation and structure are key when you prepare for Medicare OEP.

Set Realistic Targets for OEP

Start by defining clear, achievable goals. For example:

  • Review 10 client plans per week.
  • Schedule at least 3 follow-up calls daily.
  • Send personalized emails to your top 50 clients by mid-January.

Breaking big goals into smaller tasks keeps you from feeling overwhelmed and helps you celebrate progress along the way.

Track Progress Daily to Maintain Momentum

Use a simple dashboard or spreadsheet to monitor your outreach and results. Seeing your progress in real time keeps you accountable and motivated. Consider rewarding yourself for hitting milestones each month. It’s a great way to stay energized during this busy season.

Stay Positive and Connected

Engage with other agents through PIP webinars or online communities. Sharing wins and challenges with peers can boost morale and spark new ideas. Remember, every client interaction is an opportunity to build trust and grow your business.

FAQs

Why should agents prepare for Medicare OEP?

Preparing for Medicare OEP helps agents stay compliant and ready to assist clients with policy changes.

What is the timeline for Medicare OEP?

Medicare OEP runs from January 1 to March 31, giving clients a chance to make one plan change.

How can I organize my client list for OEP?

Segment clients based on their current plans and identify those who may benefit from switching.

What marketing updates should I make before OEP?

Refresh your outreach materials and confirm they meet CMS compliance standards.

Where can I get help to prepare for Medicare OEP?

Premier Insurance Partners offers resources, training, and guidance to help agents succeed during OEP.

Your OEP Success Starts Now

The Medicare Open Enrollment Period is more than just a window for plan changes; it’s an opportunity to strengthen relationships, build trust, and grow your business.

By taking time to prepare for Medicare OEP, you position yourself as a reliable resource for your clients when they need guidance the most. Every conversation you have during OEP is a chance to make a positive impact on someone’s healthcare experience.

Ready to take the next step? Contact Premier Insurance Partners today for industry guidance, proven resources, and personalized support. Let’s make this OEP your most successful yet.

 

 

What Are Reasonable Sales Goals During AEP?

What Are Reasonable Sales Goals During AEP?

Set Realistic AEP Sales Goals as an Agent

AEP can feel like a sprint and a marathon rolled into one, so it’s no surprise agents want to set solid benchmarks. But what are reasonable AEP sales goals? The answer isn’t one-size-fits-all. Whether you’re brand new or a seasoned pro, here’s how to frame realistic expectations that push you without burning you out.

Understanding AEP Sales Goals

AEP can feel like a sprint and a marathon rolled into one. That’s why agents need solid benchmarks. But what are reasonable AEP sales goals? The answer depends on your experience, lead access, and time commitment. Whether you’re brand new or a seasoned pro, here’s how to set realistic goals that push you forward without burning you out.

Agents preparing for a successful AEP season need clear strategies and realistic targets. Setting goals helps you stay focused and grow your insurance business year after year.

Why AEP Sales Goals Matter

The Annual Enrollment Period (October 15–December 7) is the busiest time of year for Medicare sales. During this window, clients can switch Medicare Advantage (MA) or Prescription Drug Plans (PDP). Agents who set clear enrollment targets stay focused, organized, and motivated throughout the season.

Selling Medicare plans during AEP is more than just a seasonal push—it’s a business opportunity that can shape your entire year. Independent agents and insurance agents alike rely on this season to grow their client base and build long-term success.

Managing time, leads, and appointments effectively helps agents stay productive. Those who follow proven strategies often see better results and stronger client relationships.

Typical Sales Benchmarks by Agent Type

  • New Agent: 20–30 applications during AEP
  • Experienced Agent: 50–100 applications during AEP
  • Top Producer: 100–150+ applications during AEP

Setting Personal AEP Sales Goals

Lead Generation and Marketing Resources

Your lead pipeline drives your sales potential. Agents with warm leads, digital marketing, or community events often outperform those relying on cold calls. Use postcards, social media, and referral programs to boost visibility and drive inbound interest.

Your marketing campaign should focus on generating appointments with qualified clients. Effective outreach helps you stay visible and build trust in your local community. Review your past strategies to improve your results this season.

Carrier Contracts and Support

The more products you offer, the more solutions you can provide. Agents with multiple carrier contracts and quoting tools can match clients with the best-fit plan. Premiere Insurance Partners helps agents expand their portfolio and stay compliant, making it easier to hit their Annual Enrollment Period goals.

Real-Life Scenarios: Agents Who Hit Their Goals

Factors to Consider (Time, Leads, Geography, Products)

Let’s say Agent A works part-time and focuses on rural areas with limited plan options. Their goal might be 15–20 applications. Agent B works full-time in a metro area with strong lead support and multiple carriers. Their goal could be 75–100 applications. Both are valid—what matters is aligning goals with your reality.

Tracking Tools for Medicare Sales Goals

Use CRMs, weekly goal sheets, and dashboards to monitor progress. These tools help you stay accountable and adjust your strategy if needed. PIP offers templates and tech support to simplify tracking and keep your goals front and center.

How to Reverse Engineer Your AEP Sales Goals

Start with Income Goals

If you want to earn $10,000 during AEP, divide that by your average commission per application. If you earn $250 per sale, you’ll need 40 applications. Break that down by week and day to create a manageable plan.

Average Commission Per App

Most Medicare Advantage applications pay between $250–$300 in first-year commission. PDP applications pay less, but they still add value. Use your average payout to build realistic sales benchmarks that match your financial targets.

Common Mistakes When Setting AEP Sales Goals

Unrealistic Expectations

Don’t set goals based on someone else’s numbers. If you’re new or juggling other responsibilities, aiming for 100 applications might lead to burnout. Instead, focus on consistency and growth. Your goals should stretch you, not stress you.

Ignoring Time-Off or Burnout Risks

AEP is intense. If you don’t plan for rest, you risk fatigue and mistakes. Build in buffer days, especially around holidays. Protect your energy so you can finish strong.

One common challenge agents face is underestimating how many appointments they need to meet their Medicare sales goals. Changes in plan availability or client needs can also impact your targets. Reviewing your strategy weekly helps you stay flexible and focused.

How PIP Supports Agents in Reaching Their Sales Goals

Real-Time Training and Goal Planning

Premiere Insurance Partners offers live training, goal-setting workshops, and compliance refreshers. We help agents sharpen their skills and set smart goals that match their market and experience level.

Lead Support and Weekly Check-Ins

Agents working with PIP receive weekly check-ins, lead support, and access to marketing materials. We don’t just hand you a contract—we help you succeed. Your goals become our shared mission.

Our team helps agents overcome industry challenges with real-time support and training. We provide tools to help you optimize your campaigns, review your progress, and stay ready for every opportunity.

Quick Checklist for Setting AEP Sales Goals

  • Define your income target
  • Estimate average commission per application
  • Calculate weekly and daily benchmarks
  • Track progress with a CRM or goal sheet
  • Adjust based on performance and burnout risk

FAQ About AEP Sales Goals

What are reasonable AEP sales goals for new agents?

New agents often aim for 20–30 applications during AEP, depending on time and lead access.

How do experienced agents set AEP sales goals?

Many experienced agents set goals of 50–100+ applications, depending on their process and renewal base.

What tools help track AEP sales goals? 

CRMs, sales dashboards, and weekly goal sheets help agents stay on target.

Why are AEP sales goals important?

Having goals during AEP keeps you focused and helps maximize limited enrollment time.

Can AEP sales goals be adjusted mid-season?

Yes—adjusting goals based on performance and burnout risk is smart and strategic.

Final Thoughts on AEP Sales Goals

AEP is your biggest opportunity of the year—but only if you plan for it. Setting realistic AEP sales goals helps you stay focused, avoid burnout, and maximize your impact. Whether you’re aiming for 20 applications or 200, Premiere Insurance Partners is here to help you succeed.

Whether you’re new to the insurance industry or a seasoned pro, setting and reviewing your goals is key to maintaining momentum and building a successful business.

If you have any questions, please contact Premier Insurance Partners at 855-827-1661 or info@pip1.com.

 

 

Local Lead Generation Strategies for Colorado Licensed Agents

Local Lead Generation Strategies for Colorado Licensed Agents

How to Generate Medicare Leads in Colorado

If you’re an insurance agent in Colorado looking for more Medicare leads, you’re not alone. Between CMS compliance rules, growing competition from national insurance companies, and a shifting insurance industry, standing out locally has never been more important. In this guide, we’ll share Medicare marketing and lead generation strategies to help independent agents build a steady client base without relying solely on purchased insurance leads.

Understand the Colorado Medicare Landscape for Quality Leads

Knowing your market is the first step in generating high-quality Medicare leads in Colorado. Every county has a unique mix of Medicare Advantage and Medicare supplement enrollment trends.

Know Your Audience: Demographics by County for Medicare Sales

Counties with smaller populations may have fewer Licensed agents and more opportunities to reach high-intent beneficiaries. Metro areas like Denver offer a large pool of potential clients but also greater competition in Medicare sales.

State-Level Medicare Enrollment Trends Impacting Lead Generation

Medicare advantage plans are expanding across Colorado, while supplement insurance remains popular. Agents can also help with part D prescription drug coverage, Medicaid, life insurance, and annuity sales during the annual enrollment period (AEP).

Optimize Your Digital Presence to Attract Medicare Leads Colorado Agents Want

Your online presence determines whether you capture exclusive leads or lose them to competing insurance agents.

Google Business Profile: Why It Matters for Medicare Marketing

An optimized Google Business Profile ensures high-quality Medicare insurance prospects can find you. Include your phone number, service areas like Denver, and positive client reviews to improve your Medicare marketing results.

Local SEO Tips for Colorado Licensed Agents

  • Target location keywords like “Medicare Advantage plans in Pueblo.”
  • Publish blogs answering common Medicare enrollment
  • Link to gov for credibility.
  • Keep your phone number consistent across listings, websites, and your CRM.

Use Direct Mail to Drive High-Intent Medicare Leads in Colorado

Direct mail remains one of the most reliable ways to generate quality leads in the insurance industry.

Best Colorado Zip Codes for Medicare Direct Mail Response Rates

Identify zip codes with high Medicare enrollment but fewer independent agents. These areas often deliver better response rates and real-time lead opportunities.

Staying CMS-Compliant with Medicare Marketing Mail Pieces

Whether promoting final expense leads, medigap, or Medicare advantage plans, always follow CMS guidelines for Medicare marketing.

Build Referral Relationships for Exclusive Medicare Leads Colorado Agents Can Use

Some of the best Medicare leads in Colorado come from local partnerships.

Partnering with Pharmacies, Clinics, and Senior Centers

These organizations already serve your beneficiaries. Build relationships for exclusive leads in health insurance, life insurance, and supplement insurance.

Hosting Medicare Education Events During AEP

Host free annual enrollment period events to discuss Medicare Advantage, Part D, Medicaid, and final expense leads. These events build your credibility as a trusted Licensed agent.

Invest in Targeted Advertising to Boost Medicare Leads Colorado Results

Paid advertising can quickly grow your Medicare sales pipeline when done strategically.

Facebook Ads with Zip + Age Targeting for Medicare Advantage Plans

Run geo-targeted campaigns in Denver and other high-opportunity areas. Include your phone number for real-time connections.

Geo-Fencing and SMS Follow-Ups for Medicare Events

Geo-fence community healthcare events and follow up via SMS to secure high-intent insurance leads.

Leverage Your FMO for Medicare Marketing Success in Colorado

Partnering with FMOs like Premier Insurance Partners can expand your client base and improve your Medicare marketing results.

Using Co-Op Programs to Stretch Your Medicare Lead Generation Budget

FMOs often provide co-op dollars for direct mail, SMS, or CRM tools, giving you more reach for less spend.

Tools and Training for Independent Licensed Agents in Colorado

Access compliant marketing materials, Medicare insurance scripts, and support for selling Medicare Advantage, Medigap, final expense leads, and annuity products.

FAQs

What’s the best way to get Medicare leads in Colorado?

Use local SEO, direct mail, and referral partnerships for exclusive leads and high-quality prospects.

Are Facebook ads effective for Medicare leads in Colorado?

Yes—geo-targeted Medicare marketing ads can boost Medicare sales and capture high-intent prospects.

Can I buy Medicare leads in Colorado?

You can, but generating real-time organic insurance leads often builds a stronger client base.

What’s a low-cost Medicare lead strategy in Colorado?

Host AEP events or partner with senior centers to promote Medicare enrollment, Part D, and Medigap.

Why is local SEO important for Licensed agents in Colorado?

It ensures beneficiaries find you for Medicare Supplement, final expense leads, or prescription drug coverage before national insurance companies.

Final Takeaway: Generating Medicare leads in Colorado doesn’t require buying overspending on insurance leads. By combining direct mail, digital marketing, Medicare marketing, and FMO support, independent agents can consistently attract high-quality prospects and grow their client base year-round.

Ready to start generating high-quality Medicare leads in Colorado? Contact us today to get personalized strategies and support.

 

 

What Certifications Are Required to Sell Medicare During AEP?

What Certifications Are Required to Sell Medicare During AEP?

Understanding Medicare Certification Requirements for AEP

If you’re planning to sell Medicare plans during the Annual Enrollment Period (AEP), you need more than just good intentions, you need the right certifications. But with so many acronyms and deadlines floating around, it can be tough to know exactly where to start in the Medicare certification AEP process. That’s why we’re breaking it all down for you in one place.

At Premier Insurance Partners, we’ve helped thousands of agents stay compliant, contract with top carriers, and succeed during AEP. Here’s what you need to know.

Why Medicare Certification For AEP Matters

Before you can sell Medicare Advantage (MA) or Part D (PDP) plans, you must complete specific training. These certifications aren’t optional; they’re your license to sell.

Staying CMS-Compliant

The Centers for Medicare & Medicaid Services (CMS) regulates how Medicare products are marketed and sold. Certification ensures you understand the latest rules and are authorized to discuss and enroll clients in Medicare plans during AEP.

Avoiding Disqualification from Carrier Contracts

Most carriers won’t allow agents to represent their plans without proof of certification. Missing the Medicare certification AEP deadline could mean missing out on contracts, commissions, or worse, being blocked from selling entirely.

Overview of AHIP Certification

What Is AHIP?

America’s Health Insurance Plans (AHIP) is the most widely recognized certification for Medicare sales. It’s a required training program for most carriers and covers Medicare basics, compliance rules, marketing guidelines, and fraud prevention.

When and How to Get Certified

AHIP certification typically opens in late June each year. You can complete it online, and it includes five training modules followed by an exam. You must score at least 90% to pass, and you get three tries. Once certified, you can upload your results to the carriers you’re contracted with.

Carrier-Specific Certification Requirements

What to Expect from Carrier Training

Each carrier has its own certification requirements in addition to AHIP. These may include product-specific training, plan comparisons, compliance updates, and sales process overviews. Completing this training in the agent portal gives you the green light to sell that carrier’s plans.

Differences Between MA and PDP Training

Some carriers separate Medicare Advantage (MA) and Prescription Drug Plan (PDP) training modules. Be sure you complete both if you plan to sell both types of coverage. Missing even one step can limit your sales opportunities during AEP.

Timeline for Completing Certifications

When Does AHIP Open Each Year?

AHIP certification usually becomes available around the last week of June. The earlier you start, the better your chances of securing contracts and being ready to sell by October 1, when marketing to clients can officially begin.

Key Deadlines to Watch

  • June–August: AHIP and carrier training opens
  • August–September: Carrier-specific deadlines for uploading certifications
  • October 1: Marketing to clients begins
  • October 15–December 7: AEP selling period

Don’t wait until the last minute, delays can lead to missed opportunities.

Additional Training to Consider

NAHU and NABIP Certification Options

Besides AHIP, you can also complete Medicare certification AEP training through other organizations like NAHU (now NABIP). Some carriers even accept these as AHIP alternatives, and they can be more cost-effective depending on your contracts.

Local Market Training for Specific Plans

Some carriers or field marketing organizations (FMOs), like PIP, offer regional trainings to help you understand plan availability in your specific area. This online training access can give you a competitive edge with local knowledge, sales, and contracting support tools tailored to your market.

Common Mistakes to Avoid

Forgetting to Upload Certificates

Passing a certification is only part of the process, you also have to upload proof of completion to each carrier portal. Missing this step can cause delays or block your ability to sell entirely.

Waiting Too Long to Certify

Procrastination is a killer during AEP. Agents who wait until September to start their Medicare certification AEP training often find themselves rushed, confused, or locked out of contracts. Don’t let that be you.

FAQ

Q: What is Medicare certification AEP?

A: Medicare certification AEP refers to the training agents must complete to sell Medicare plans during the Annual Enrollment Period.

Q: Do I need AHIP certification to sell Medicare plans?

A: Yes, most carriers require AHIP certification as a baseline to sell MA or PDP plans.

Q: Are carrier certifications separate from AHIP?

A: Yes, each carrier typically has its own product-specific training on top of AHIP.

Q: When should I complete Medicare certification AEP requirements?

A: It’s best to complete your certifications by late summer to ensure access to all plans by October 1.

Q: Can I sell Medicare without completing certification?

A: No, you must be certified to present, market, or sell Medicare Advantage and Part D plans. Make sure you have updated compliance documentation just in case.

Final Thoughts

Selling during AEP is a huge opportunity, but only if you’re ready. Completing your Medicare certification AEP requirements early is one of the smartest moves you can make. At Premier Insurance Partners, we help you stay ahead of deadlines, stay compliant, and stay competitive.

Need help getting certified or contracting with top carriers? Let’s connect.

Contact our team today to get started.

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 Partners at 855-827-1661 or info@pip1.com.