Do I still have to wait 48 hours after a client signs a scope of appointment before I can meet with them?
The currently loaded regulation text contains no 48-hour waiting period requirement between a signed Scope of Appointment and the marketing appointment. What it requires is that the SOA be secured and documented *before* the appointment takes place — with no minimum gap specified — per the eCFR text as of 09/15/2026.
What the rule says
“(3) Secure and document a Scope of Appointment prior to a personal marketing appointment.”
This is one of the listed agent/broker requirements agents must follow, quoted above. No timing interval beyond "prior to" the appointment appears in this excerpt.
If you have a fact suggesting a different timing rule applies (for example, a specific FMO or carrier policy requiring a waiting period), note that such carrier-specific requirements would not appear in CMS regulation text and would need to be confirmed separately.
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 23, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.
Sources cited
Related questions
- Do I need a scope of appointment for an existing client? And does the waiting period still apply?
- Do I need a state insurance license to sell Medicare Advantage plans?
- Do I need to be a licensed agent just to hand out factual plan information or take down demographic info for an application?
- My client wants to discuss a product that wasn’t listed on the SOA. Do I need a new one before we continue?