1HI is NOT Medicare supplement — no CMS Scope of Appointment required. Standard TCPA compliance applies to all outbound calls.

2One-to-one consent (Jan 27, 2025): Your own prior express written consent required. Cannot transfer from another seller or aggregator.

3Required disclosure: "Not affiliated with Medicare, Social Security, or any government agency." Required when lead source uses government-benefit language.

4GTL GI window: ages 64½–75 ELITE plan. Outside this window, full underwriting applies — do not imply GI when it doesn't apply.

5ManhattanLife GI window: ages 64½–70. Outside this window, health questions required.

6Calling hours: 8:00 AM – 9:00 PM client's LOCAL time zone. Opt-out: honor immediately, log within 24 hrs, remove from all lists within 10 business days.

7Florida FTSA: Written opt-in required before any text. Verbal consent is not sufficient for SMS in FL.

8Free-look period: 10 days most states. Disclose at button-up. "Review everything when it arrives — if anything doesn't look right, call me directly."