Terms and Conditions – Frontline Mutual

Effective Date: [04/01/2025]

1. Use of Services and Materials

By accessing or using any part of Frontline Mutual’s resources—including our website, CRM tools, agent portal, marketing leads, or any commissions or compensation from affiliated insurance carriers (collectively, the “Resources”)—you agree to follow these Terms. These Terms apply to all agents who offer or promote insurance plans through an affiliation with Frontline Mutual.

If you do not agree to these Terms, you must stop using our Resources and notify us immediately. All Resources are provided “as-is,” and we make no guarantees regarding accuracy, performance, or reliability.

2. Legal Compliance and Communication Rules

You agree that in all marketing and sales activity involving Frontline Mutual or its materials, you will strictly comply with all federal and state laws. You must not:

  • Sell, share, or transfer leads obtained through Frontline Mutual without explicit permission.

  • Use (or hire someone to use) robocalls, autodialers, spam texts, or prerecorded messages for marketing.

  • Work with leads generated using those prohibited methods.

  • Contact prospects without proper consent or without screening against Do-Not-Call registries.

  • Reach out to anyone who has opted out of communication.

If marketing Medicare Advantage or Part D plans, you also agree not to:

  • Use cold calling, unsolicited texts or emails, or approach individuals in public spaces.

  • Contact individuals without documented permission.

  • Use marketing materials that are unapproved, misleading, or violate CMS or carrier regulations.

  • Hold personal appointments without a completed Scope of Appointment form.

  • Enroll someone into a Medicare Advantage plan during an outbound call.

You must follow all laws and guidelines, including the TCPA, HIPAA, CCPA, CAN-SPAM Act, and applicable Medicare rules.

3. Company-to-Agent Communications

By working with Frontline Mutual, you allow us to contact you about insurance-related matters via phone, email, text, or other means. If you'd like to stop receiving communication, just let us know.

4. Independent Agent Relationship

Unless you're classified as an employee, your work with Frontline Mutual is as an independent contractor. You’re responsible for your own methods and work structure. Nothing in this agreement creates a partnership or employer-employee relationship.

5. Intellectual Property

All branding, names, logos, and materials tied to Frontline Mutual are protected trademarks. You may not use them without prior written approval. Other product names mentioned may belong to their respective companies.

6. Indemnification

You agree to protect, indemnify, and hold harmless Frontline Mutual, its staff, and affiliates from any legal claims or damages arising from your use of our Resources, or any violations of law or these Terms.

7. Limitation of Liability

To the fullest extent allowed by law, Frontline Mutual is not liable for any indirect, special, or incidental damages arising from your use of our Resources. Our total liability is limited to the greater of $1,000 or the amount you’ve paid to access our Resources.

8. Dispute Resolution

Any dispute involving these Terms must be resolved through binding arbitration. You waive the right to a trial by jury or to participate in a class-action. Arbitration will follow American Arbitration Association (AAA) rules and take place in [your preferred city/state].

9. Severability and Enforcement

If any part of these Terms is found to be unenforceable, the remaining provisions will still apply. A failure by Frontline Mutual to enforce a right does not waive future enforcement of that right.