An approved StudioGuard referral partner may share current authorized links, graphics, captions, videos, FAQs, and call-to-action language after receiving program approval and the applicable partner instructions.
The partner's role is to make an introduction and direct creators to the authorized StudioGuard process. The referral role does not authorize the partner to explain, recommend, compare, quote, bind, or interpret insurance.
A prospective partner should not begin sharing StudioGuard merely because an application was submitted, an invitation was received, or draft materials were provided.
Sharing begins only after the partner has received the required approval, current program terms, approved materials, disclosure instructions, and authorized referral link or destination.
Approval is specific to the partner and the current program. It should not be transferred to another person, business, page, or campaign without written authorization.
An approved partner may:
The partner should use the material as supplied. Headlines, disclosures, coverage references, prices, calls to action, logos, and links should not be rewritten, cropped, combined, or supplemented unless the program has approved the change.
When a partner has a financial or other material relationship connected to a recommendation or referral, the relationship should be disclosed clearly and conspicuously.
FTC guidance says a material connection can include payment, employment, personal or family relationships, or other benefits that could affect how an audience evaluates an endorsement. The disclosure should be easy to notice and understand and should appear with the relevant message or link.
Partners should use the exact current disclosure supplied by StudioGuard. A plain-language disclosure may communicate that the partner may receive a referral fee if someone uses the link, but the approved program wording controls.
Do not rely on a profile biography, a disclosure hidden after a more link, a group of hashtags, or a platform disclosure tool by itself. The appropriate wording and placement can vary with the platform and content format.
Partners should route questions involving:
If someone asks, “Will this cover me?” the partner should make a handoff rather than answer the question.
An approved response is:
A licensed StudioGuard professional will need to review your business information and any applicable policy terms. I can direct you to the authorized StudioGuard process.
Partners should not say or imply:
Exposure examples, educational topics, risk-management services, and marketing labels are not coverage determinations. Eligibility and insurance terms depend on current authority, underwriting, the applicant's facts, and the applicable issued policy.
Partners should not publish referral-fee schedules, payout amounts, portal balances, payment screenshots, tax information, Stripe details, or earnings claims unless current written program instructions specifically authorize the content.
The StudioGuard referral role uses referral fees governed by the partner's applicable agreement and program terms. Partners should not describe the payment as an insurance commission or tie compensation to insurance premium.Applying for or participating in the program does not guarantee referrals, clicks, conversions, earnings, or payment timing.
Only when the statement is truthful, current, within approved guidance, and presented with any required disclosure.
A personal experience should not be turned into a promise about another creator's eligibility, price, policy terms, claim result, or business outcome. Brand or program approval of a post also does not transform a personal statement into an insurance recommendation.
Partners may acknowledge interest and share the authorized route. They should not use comments or direct messages to collect application answers, payment information, sensitive business records, passwords, identity documents, or details about a claim.
When a question leaves the approved script, the partner should stop and route it to licensed StudioGuard support.
For each StudioGuard post or campaign, retain:
Partners should retire superseded materials promptly and follow takedown, correction, or replacement instructions from the program.
Before publishing, confirm that the partner approval is active, the asset and caption are current, the disclosure is visible, the referral link is authorized, and the licensed-support handoff is ready.
Only with prior approval. Partners should use current authorized materials and should not independently change coverage language, disclosures, calls to action, logos, or links.
A partner may use approved educational language about creator-business risks and the purpose of starting a licensed insurance conversation. The partner should not convert an exposure example into a statement that coverage is included or available to a particular person.
Not within the ordinary referral role. Policy comparisons and recommendations should be handled through an authorized licensed process.
The creator should submit information through the authorized secure StudioGuard path. Partners should not collect application, payment, identity, or claim information outside that process.
Only if the program confirms that the asset, caption, disclosure, link, and claim language remain current. Superseded material should be retired.
No. Partner approval is an individual program decision. It does not establish public availability, universal eligibility, or acceptance of another applicant.
Sources
- [Federal Trade Commission: Disclosures 101 for Social Media Influencers](https://www.ftc.gov/business-guidance/resources/disclosures-101-social-media-influencers)
- [Federal Trade Commission: Endorsement Guides, What People Are Asking](https://www.ftc.gov/business-guidance/resources/ftcs-endorsement-guides-what-people-are-asking)
Informational Disclaimer
This article provides general program and marketing guidance. It is not legal, tax, compliance, or insurance advice and does not expand a partner's authority. Partner permissions depend on the current written agreement, program rules, approved materials, applicable law, and any specific instructions issued by StudioGuard. Insurance questions must be handled through the authorized licensed process.