Practical guidance for insurance agents, not legal advice. Laws change faster than blog posts; your counsel beats our library. Last reviewed: July 16, 2026.
Yes, with conditions. Federal law permits manually dialed, live-voice marketing calls to purchased leads whose numbers are scrubbed against the Do Not Call registry within the last 31 days. What purchased leads never permit: autodialers in strict states, prerecorded or AI voice, ringless voicemail, or marketing texts, because those require written consent that purchased data does not carry.
The Telephone Consumer Protection Act regulates how you call, not whether you may sell insurance by phone. Three things matter to a lead buyer: the technology used to dial (autodialers and artificial voices are restricted), consent (written consent unlocks the restricted technologies; its absence forbids them), and the Do Not Call rules (registry scrubbing plus your own internal do-not-call list).
Purchased prospect data sits in a specific lane: no consent attached, so the restricted technologies are off the table entirely. What remains is the oldest sales technology there is: a human being, dialing a scrubbed number, speaking live. That lane is legal, and it is the lane every DAITA DRIVE file is built for.
Statutory damages run $500 per violating call, $1,500 if the violation is willful, and a consumer gains a private right of action after two violating calls in 12 months. Those numbers multiply fast against a dial session. Insurance is the most-sued industry under the TCPA, drawing roughly 28% of all filings, and serial plaintiffs file more than half of suits. This is not a theoretical risk; it is a plaintiff economy, and agents fund it.
No. Courts and the FTC pursue both the caller and the parties up the chain, and consent claims that cannot be traced collapse in litigation; one major lead marketplace paid roughly $19 million in a settlement where the consent trail could not be reconstructed. Buy from vendors who show their scrubbing work, and keep your own records. A dated scrub certificate is evidence; a sales rep’s reassurance is not.
A dated scrub certificate covering the federal DNC registry and 11 state registries. Known-litigator screening. Wireless flags and local time zones on every number. Per-state calling windows and attempt caps attached. Sold for manually dialed, live-voice calling plus mail and door outreach, and never represented as anything else.
The only leads you can defend.
Yes, manually and live-voice, if the number is DNC-scrubbed. Wireless numbers get full DNC protection, and they are exactly where autodialer and text restrictions bite hardest, which is why every DAITA DRIVE record carries a wireless flag.
Federal law sets no universal cap, but several states do: 3 attempts per 24 hours is the strictest common standard, and it is the safe default everywhere. Persistence across days is legal; barrages within a day invite complaints and, in some states, statutory damages.
No. There is a narrow, state-specific argument about one federal rule (the FTC’s Telemarketing Sales Rule) and insurance, but the FCC’s TCPA rules and the private right of action apply to insurance calls with no exemption. Anyone marketing “insurance is exempt” is wrong where it counts.