Buying Life Insurance Leads Safely: TCPA, Consent, and Do-Not-Call Basics for Agents

The TCPA restricts certain calls and texts made with automated systems or prerecorded voices to mobile phones without the consumer's prior express consent, and requires prior express written consent for many telemarketing calls and texts of that kind. Consent is the foundation of a compliant lead. If the consent is weak, unclear, or missing, the lead is a risk no matter how good the prospect sounds.

In practice, that means you should know exactly what the consumer saw and agreed to when they submitted the form, and that the consent covers your business or the type of contact you plan to make.

Keep the consumer's name and number, the date and time of the request, the web page or source, the exact consent wording they agreed to, and any record the vendor provides that shows the submission happened. Store it for as long as your attorney recommends.

If a consumer later says they never asked to be contacted, these records are how you show what happened. Ask your vendor what they provide and how long they keep it.

The National Do Not Call Registry and many state lists restrict telemarketing calls to registered numbers, with some exceptions such as when the consumer has given consent or has an established business relationship. Rules differ by state, so understand the ones where you sell.

Keep your own internal do-not-call list too. When anyone asks you to stop calling, add them immediately and make sure every agent and system on your team honors it.

Only text people who agreed to receive texts. Identify yourself in the message, keep content relevant to what they asked for, and honor STOP and similar requests right away. Business texting through carriers in the United States generally requires A2P 10DLC registration, and carriers can block messages that do not follow their rules.

If you plan to text leads, confirm with your vendor that the consent wording covers texts, not just calls.

Federal rules restrict telemarketing calls to reasonable hours in the consumer's local time, and some states set narrower windows or limit how many times you can call in a period. Build these rules into your dialer or calendar so agents do not have to remember them.

Frequency matters for reputation too. Calling the same person many times a day can lead to complaints even when it is technically allowed.

Can I see a screenshot of the form and the consent language? Does the consent cover calls and texts? Is the lead exclusive, or is the consumer consenting to be contacted by many companies? How do you record the submission? How long do you keep records? How do you handle consumers who say they never submitted a form?

A vendor who cannot answer these questions clearly is a vendor to avoid. See our list of red flags when choosing a lead company.

Our lead forms show clear consent language, and texting consent is a separate, unchecked opt-in. Each lead is delivered to one business with its source and timestamp. Clients remain responsible for their own calling and texting compliance, including their own A2P registration, as described in our Terms of Service.

Learn more about our exclusive life insurance leads or check availability in your state.