The Telephone Consumer Protection Act (TCPA) is one of the most litigated laws in the United States, and insurance agents are frequent targets of class action lawsuits. Here's what you need to know to protect yourself.
The FCC One-to-One Consent Rule
As of January 2025, the FCC requires that consumers provide consent to be contacted by each individual company separately — a "one-to-one" consent model. This means leads purchased from Exor Marketing include individualized consent documentation.
Best Practices for Calling Hours
You may only call consumers between 8:00 AM and 9:00 PM in the consumer's local time zone. This is a hard rule — violations can result in significant fines.
Maintain Your Own DNC List
Regardless of your lead source's DNC scrubbing, you must maintain your own Do Not Call list and honor opt-out requests within 24 hours.