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I would say to her that she is wrong and that only agents selling Employer/union group plans are permitted to he exempted from the testing,
<h3>What is Third-party Marketing Organisation (TMO)?</h3>
The Third-party Marketing Organisation is a type of organisation that specialises in the provision of marketing strategies for products.
Before this organisation is able to market a product, they are supposed to undergo a training or a test that would enhance their knowledge concerning the products to be marketed.
The only group of people that are excluded are the agents selling Employer/union group plans.
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The 1900’s
With the turn of the century came a push for organized medicine, led in part by the American Medical Association (AMA), which was growing stronger and gained 62,000 physicians during the coming decade. But because the working class wasn’t supportive of the idea of compulsory healthcare, the U.S. didn’t see the kind of groundswell that leading European nations would see soon after.