- Share the agency's public information
- Explain generally who the agency helps
- Send an approved link or flyer
- Let the prospect request contact
- Request an educational event
Referral Partner Center
Make a thoughtful introduction—then let the person choose the next step.
Our preferred referral process gives the prospective client the agency link and lets that person independently request contact.
The safest introduction
Prospect-initiated contact protects choice and clarity.
This is especially important for Medicare, where a third-party referral alone may not permit an outbound sales call.
- 01
Introduce the agency
Explain that Spalter Insurance Group is an independent insurance resource.
- 02
Share the link
Send the website, QR code, or approved agency introduction.
- 03
Let the person decide
The prospective client independently requests contact.
- 04
Record permission
The approved workflow captures who may contact the prospect and for what purpose.
- 05
Licensed follow-up
An appropriately licensed professional handles product-specific discussion.
Who can collaborate
Useful connections across the community.
Existing clientsCPAs and tax professionalsP&C agentsMortgage professionalsFinancial professionalsAttorneysPayroll and HR advisersSmall-business advisersCommunity organizationsReligious organizationsSenior organizationsHealthcare and social-service groups
Approved-introduction boundary
Introduce. Do not advise, collect, or promise.
- Recommend a plan or carrier
- Discuss benefits, rates, underwriting, or tax treatment
- Ask the person to apply
- Collect medical or sensitive identifiers
- Promise savings, eligibility, issuance, or enrollment
Example introduction
“Spalter Insurance Group is an independent insurance agency that helps people understand health, Medicare, life, supplemental, and employer-benefit options. If you would like, I can send you their website so you can request contact directly.”
Compensation boundary
Launch the resource center before launching rewards.
Michigan permits some non-sale-contingent referral compensation, but Medicare, Marketplace, rebating, inducement, telemarketing, carrier, and licensing rules create additional boundaries.
Working launch position
No paid consumer-referral reward at initial launch. Keep Medicare and Marketplace outside any initial paid program. Obtain program-specific legal, carrier, and compliance review before offering money, gifts, credits, drawings, tiers, bonuses, or charitable incentives.
Share—don’t submit
Contact us Let the prospective client contact the agency directly.
Share the public website or email address. The prospective client decides whether to contact the agency.