Legal & Compliance
Important legal information, compliance requirements, and professional standards for Ultimate Senior Brokers partners.
Independent Contractor Status
All brokers working with Ultimate Senior Brokers are independent contractors, not employees. You are responsible for your own taxes, business expenses, compliance, and business operations. We provide tools, training, and support, but you maintain full control over your business decisions and client relationships.
Compliance Requirements
Brokers must maintain valid insurance licenses, complete required continuing education, and follow all CMS, state, and federal regulations. We provide compliance training and support, but ultimate responsibility for compliance rests with each individual broker. Failure to maintain compliance may result in termination of our relationship.
Equal Opportunity
Ultimate Senior Brokers is an equal opportunity organization. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected characteristic. We welcome applications from qualified individuals regardless of background or personal characteristics.
Income Disclaimers
Income figures mentioned on this website represent potential earnings and are not guarantees. Actual income varies based on individual performance, market conditions, product mix, and other factors. Past performance does not guarantee future results. We do not guarantee any specific income level or success rate.
Regulatory Compliance
All marketing materials, sales practices, and business operations must comply with applicable laws and regulations. Brokers are responsible for ensuring their activities meet legal requirements. We reserve the right to terminate relationships with brokers who violate compliance standards or engage in unethical practices.
Professional Standards
We expect all brokers to maintain the highest professional standards, including honesty, integrity, and ethical behavior. Brokers must act in the best interests of their clients and maintain appropriate professional boundaries. Violations of professional standards may result in immediate termination.
Compliance Policies & Standards
Core Compliance Requirements
- All marketing materials must be pre-approved by our compliance team
- Brokers must complete annual compliance training and certification
- Client communications must follow approved scripts and guidelines
- All sales activities must be properly documented and recorded
- Brokers must maintain appropriate professional liability insurance
- Regular compliance audits and reviews are conducted
Data Privacy & Security
- We collect and process personal information in accordance with applicable privacy laws
- Client data is protected using industry-standard security measures
- We do not sell or share personal information with third parties
- Brokers must maintain client confidentiality and data security
- All data handling must comply with HIPAA and other relevant regulations
- Data retention policies are strictly enforced
Important Disclaimers
No Income Guarantees: We do not guarantee any specific income level, success rate, or business results. Your success depends on your efforts, market conditions, and other factors beyond our control.
Independent Contractor: You are an independent contractor, not an employee. You are responsible for your own taxes, business expenses, and compliance obligations.
Regulatory Changes: Medicare regulations and requirements change frequently. It is your responsibility to stay current with all applicable laws and regulations.
Professional Liability: We recommend maintaining appropriate professional liability insurance to protect yourself and your business.
Legal Documents
Privacy Policy
Learn how we collect, use, and protect your personal information in accordance with privacy laws.
Read Privacy PolicyTerms of Service
Review the terms and conditions for using our services, including consulting and digital assets.
Read Terms of ServiceQuestions About Legal or Compliance?
Our compliance team is here to help ensure you understand all requirements and maintain proper standards.
For urgent compliance matters, please call our compliance hotline.
This page is for informational purposes only and does not constitute legal advice. Please consult with qualified legal counsel for specific legal questions.
Last updated: 9/9/2025