Holiday cards for insurance agents
We'd mail insurance clients a holiday card in early December with a thank-you and no policy details, renewal dates or quotes. If you sell Medicare Advantage plans, also keep plan benefits, premiums and Star Ratings off the card, since CMS rules count material that covers them as marketing when it aims to sway a plan choice.
Who to send insurance holiday cards to
- Every household with an active policy, including people who only have one small policy with you.
- Clients who filed a claim this year.
- People who referred a client to you, and the lenders and agents who send you business.
Mail one card per household. Insurance lists often hold a separate row for each policy, so remove repeat addresses before you mail. Our order page leaves out a row with the same name and address as an earlier row.
Sample messages for policyholders
- "Thank you for trusting us to protect your family this year. We wish you a safe and happy holiday season." (104 characters)
- "It was a pleasure working with you this year. Thank you for your business, and best wishes for a healthy New Year." (114 characters)
- "Thank you for every friend and neighbor you sent our way this year. Wishing you and yours a warm holiday season." (112 characters)
Keep policy numbers, renewal dates and coverage reminders off a postcard, since anyone handling the mail can read it. Send those in a sealed letter or through your client portal.
If you sell Medicare Advantage plans
CMS rules at 42 CFR 422.2260 call a Medicare Advantage piece "marketing" only when it meets both an intent test and a content test. The intent test covers drawing a person's attention to a plan or influencing which plan they pick or whether they stay. The content test covers a plan's benefits, premiums or cost sharing, Star Ratings or plan comparisons, and rewards. A greeting with none of that content doesn't meet the content test, as we read the rule.
CMS also says it judges intent from the audience, the timing and the context, not only from what the sender says it meant. Medicare's Open Enrollment Period runs October 15 to December 7. We'd mail cards to Medicare clients after December 7 and keep plan details off them.
Medicare.gov also lists a Medicare Advantage Open Enrollment Period from January 1 to March 31, for people already in a Medicare Advantage plan. Since CMS weighs timing, a card that arrives between January 1 and March 31 lands while Medicare Advantage clients can switch plans. Check your carrier's compliance rules for agent mail before you mail to Medicare clients.
Mailing a card to every household on your book? We print each card with "Dear" and your client's first name, your note and your name, and mail it First-Class for $2.99 a card, postage included (as of November 2026). You see a proof of every card before you pay.
Make your cardsQuestions
When should insurance agents send holiday cards?
We'd mail them in early December. If you sell Medicare Advantage plans, we'd wait until after Open Enrollment ends on December 7.
Is a holiday card marketing under Medicare rules?
CMS counts material as marketing when it meets both an intent test and a content test, and the content test covers plan benefits, premiums, cost sharing, Star Ratings, plan comparisons and rewards. As we read the rule, a greeting with none of that isn't marketing.
What should an insurance agent write in a holiday card?
Thank the client for trusting you with their family, home or business, and wish them a safe holiday. Keep quotes, renewals and coverage reminders for a separate letter.
Sources
The pages we read for this guide.