Training material only. Not marketing material and not for consumer distribution. Scripts are starting points to adapt to your carrier, state, and current CMS rules — not verbatim consumer-facing copy. Not legal, compliance, or enrollment advice. Always defer to current CMS guidance, your FMO's compliance team, and your carrier certifications. See disclaimers.
Rebuttal — 'I already have an agent'
Don't fight the relationship. Plant a flag for next year.
Don't trigger reactance. Validate, then offer optionality. Most 'I have an agent' clients haven't heard from that agent in 18 months.
When you hear 'I have an agent' on any prospecting call.
Totally fair — and you should keep working with someone you trust. Quick question: when's the last time they sat down with you to compare your plan against what else is out there for next year? [Listen.] Look, I'm not asking you to switch agents. What I'll offer is this: I'll send you a one-page summary of the top 2-3 plans in your ZIP. You compare it to what your current agent shows you. If yours is best, you stay put. If mine looks better, we talk. Fair?
Placeholders to replace
{{agent_name}}— Your full name
- CMS rule: no unsolicited contact about MA/PDP without a prior business relationship or Permission to Contact (PTC).
Inspiration & starting point only. Verify against your carrier, state, and current CMS rules before use. See our disclaimers.
Sources
Reviewed Jul 15, 2026 · GoAEP editorial- 42 CFR §422.2264
Unsolicited contact prohibition and permitted marketing activities.
- CMS Medicare Communications & Marketing Guidelines
Master CMS guide for MA and Part D communications and marketing.
- 42 CFR §422.2260 – §422.2274
MA marketing standards (Subpart V).
Not marketing material. Not for consumer distribution. CMS rules evolve — verify against current guidance before use.
.png)
