Insurance marketing compliance
Also called: Medicare marketing compliance, CMS marketing guidelines, MCMG
Insurance marketing compliance is the set of rules an agency follows when it advertises, calls, texts or emails prospects, covering CMS Medicare marketing rules, consent and calling laws, and carrier requirements.
For Medicare, CMS publishes marketing rules for plans and the agents who sell them, and carriers add their own approval processes for materials. Calls and texts fall under the TCPA and do-not-call rules, and email under CAN-SPAM.
In practice, compliance is mostly operational: approved templates, consent captured at the right time, disclaimers in place, and records the agency can produce if asked.
A campaign that brings in appointments but fails a compliance review costs more than it earns. Building the rules into the CRM keeps every agent working the same way.
"Before a campaign goes out, we check it against our marketing compliance checklist: approved template, consent, disclaimer."
What should be on a marketing compliance checklist for insurance agencies?
Typical items are carrier-approved materials, the current TPMO disclaimer, valid consent before calls and texts, Do Not Call scrubbing, Scope of Appointment records for Medicare appointments, and an unsubscribe in every marketing email. General information, not legal advice.
General information, not legal advice. Rules change; check current CMS, FCC and carrier guidance.