In-home MA appointment pivoting into final-expense

Contact

• Unsolicited contactCold contact without prior express permission or a permitted exception.
• DNC registry violationOutbound solicitation to a number on a federal or state DNC list without exception.
• TCPA consent gapAutodialed call or SMS/text without prior express written consent.

Documentation

• Missing Scope of AppointmentMarketing/sales appointment without a documented SOA per CMS timing rules.
• Cross-sell without a new SOAPivoting into a non-Medicare product mid-appointment without a new SOA.
• TPMO call not recordedThird-party marketing organization call not fully recorded / retained per CMS.

Messaging

• Prohibited or over-limit giftCash, cash-equivalent (gift cards), or nominal gift above CMS threshold.
• Missing multi-plan disclaimerAdvertising multiple plans without the required multi-plan disclaimer.
• Misleading benefit claimAbsolute or superlative claim ("best," "free," "everyone qualifies").
• Implied CMS / government endorsementLanguage implying federal, Medicare, or CMS endorsement of an agent or plan.

Data

• Sensitive data exposureCollecting or repeating MBI, DOB, or SSN through an insecure channel.