Life Insurance Agents must become diligently aware of the conditions set forth in this new ruling. Their process of contacting insurance leads will be affected in multiple ways:

1. Must obtain "prior express consent." (More on this in the next section below).
2. No more purchasing or calling aged leads. When an agent or broker purchases aged leads, there is ZERO chance that he or she is the first agent to contact the prospect. Remember, the prior express consent is given to the first agent ONLY, and the consent is NOT TRANSFERRABLE.
3. No more use of auto-dialers . The new rule is very specific regarding robocalling and robotexting. Post COVID, a surge of life insurance agents and brokers are now engaging in telesales. It has become quite common for agents to use autodialing software that calls multiple phone numbers at once while automatically generating "rented" outgoing phone numbers. The new FCC ruling puts an end to this practice.
4. No more auto-texting. Although insurance agents do not typically use prerecorded voice messages, many agents and brokers often use "drip campaigns" to automate scheduled text messages directed towards an entire call list of prospects. Unless an agent is using this method to message a prospect has has provided express consent, this practice is also noncompliant.
5. Live Transfers. As mentioned in the above section, traditional live transfers are now considered to be noncompliant. However, there is a use case where a live transfer or instant lead can be in compliance. Here's an example:

Remember, the issue lies with the consent.

IF

the call center agent who has first contact with the prospect is working under the same brand name entity as the licensed agent,

AND

the prospect is immediately notified of the agent's name within the marketing campaign, compliance is withheld.

In this case, the consent was given under one umbrella and is considered one entity.

Bottom Line: Aged Leads, Autodialers, Automated text campaings, and Live Transfers are all noncompliant....