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I know of two things: The Medicare Marketing Guidelines and the carrier certification material. I abide by those and ignore everything any carrier rep tells me that isn't supported by those. You will find nothing requiring F2F in either for any carrier. Carrier reps seem incapable of saying "I don't know" so they make up an answer, almost always the most restrictive. Not a good guide to run your business by.If you know of something that is allowing people to go against what their managing broker from the carrier says then please share.