Legal & Compliance Notice
Please read this notice before purchasing or using the materials.
This selling system, including all scripts, presentations, examples, instructional materials, and audio content (collectively, the “Materials”), is provided strictly for educational and informational purposes only.
The Materials are designed to demonstrate general sales communication strategies, appointment-setting frameworks, presentation flow, and example language that may be adapted by independent insurance agents for their own businesses. The Materials do not constitute legal advice, tax advice, compliance advice, carrier training, product training, or field training of any kind.
No Continuing Education (CE) Credit
Use of these Materials does not satisfy, qualify for, or provide continuing education (CE) credit or licensing requirements in any state or jurisdiction. The Materials are not approved, sponsored, or recognized by any state insurance department or regulatory authority for CE purposes.
No Carrier or Regulatory Authority
The creator of these Materials is not acting on behalf of any insurance carrier, third-party administrator, employer, or regulatory authority, and the Materials are not endorsed, approved, or authorized by any carrier or state insurance department.
Nothing contained in the Materials:
- Overrides or replaces carrier contracts, plan documents, employer policies, or state or federal law
- Creates authority to bind coverage, alter policy terms, or enforce election restrictions
- Authorizes representations that are inconsistent with carrier underwriting guidelines or compliance requirements
Responsibility of the User
Each user is solely responsible for ensuring that:
- All sales presentations, scripts, statements, and materials used are accurate, factual, and compliant
- All representations comply with applicable state insurance laws, regulations, and Department of Financial Services (DFS) guidance
- All representations comply with carrier rules, employer plan documents (including Section 125 plans where applicable), and payroll practices
Users must independently verify compliance with:
- Their state(s) of licensure
- Their carrier contracts and appointment agreements
- Employer plan documents and tax treatment rules
Examples and Results
Any examples referenced in the Materials, including participation rates, tax treatment, employer advantages, or operational outcomes, are illustrative only and do not constitute guarantees or promises of results. Actual outcomes vary based on business practices, employer demographics, plan design, carrier participation, and regulatory requirements.
No income, production, participation, or performance results are guaranteed or implied.
Independent Business Use
Use of these Materials does not create an employment relationship, agency relationship, partnership, or joint venture with the creator. The user operates as an independent business and assumes all responsibility for their sales activity, compliance, and representations.
By accessing or using these Materials, the user acknowledges and agrees that they assume full responsibility for their use and that the creator shall not be held liable for any claims, penalties, regulatory actions, or disputes arising from their application.