1DVH products are NOT Medicare plans — 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.

4NCD by MetLife: NY and CT — 12-month waiting period applies to major services. Different co-insurance structure applies. Must disclose to clients in these states before application.

5ManhattanLife DVH: Hearing rider has a 12-month waiting period. Vision and dental — no waiting period. Disclose the hearing wait when applicable.

6NCD plans are group policies (NWFA/MetLife) — client is joining a group, not buying individual insurance. Disclose the group nature of the plan.

7Calling hours: 8:00 AM – 9:00 PM client's LOCAL time. Opt-out: honor immediately, log within 24 hrs, remove from all lists within 10 business days.

8Florida FTSA: Written opt-in required before any text. Verbal consent not sufficient for SMS in FL.