Avoid Unwanted Insurance Calls: Join The Do Not Call List

do not call list for insurance

The National Do Not Call Registry is a free service that allows consumers to register their phone numbers to reduce unwanted sales calls from legitimate telemarketers. This list does not block calls, so it won't stop scammers or illegal robocalls. However, it is an effective way to reduce unwanted calls from companies that follow the law, such as insurance companies. Many insurance companies have their own do-not-call policies and are instructed to check the National Do Not Call Registry before cold-calling. Consumers can also request to be placed on an insurance company's internal do-not-call list, and legitimate companies will comply.

Characteristics Values
Name National Do Not Call Registry
Purpose To stop unwanted sales calls from legitimate companies
Registration Free of cost via phone or online
Telemarketer compliance Required to remove numbers from call lists within 31 days
Effectiveness Doesn't block calls, won't stop scammers or illegal calls
Registration limit Up to three numbers at a time online
Business numbers Not covered by the registry
State laws May vary, e.g., Michigan has the MHSSA for telemarketing restrictions
Insurance-specific Some insurance companies maintain their own do-not-call lists
Call-blocking Apps and tools are available for cell phones and landlines

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Registering your number on the Do Not Call List

Registering your phone number on the Do Not Call List is a great way to reduce the number of unwanted sales calls you receive. The National Do Not Call Registry is a list that tells registered telemarketers which numbers not to call. It's important to note that this list doesn't block calls, so it won't stop scammers or illegal calls. However, legitimate telemarketers will consult the list and avoid calling any numbers on it.

You can register your landline or wireless phone number on the National Do Not Call Registry for free. To do this, you can either call 1-888-382-1222 (voice) or 1-866-290-4236 (TTY). Remember to call from the phone number you wish to register. Alternatively, you can register online at donotcall.gov. If you register online, you'll receive an email with a link that you must click on within 72 hours to complete your registration. Your phone number should appear on the registry the next day, but it can take up to 31 days for sales calls to stop.

It's important to note that the National Do Not Call Registry is only for personal phone numbers. Business phone numbers and fax lines are not covered. Additionally, certain exemptions may apply to the do-not-call policy, such as the existing business relationship exception, which allows sales professionals to make telephone solicitation calls to recent customers or prospective customers.

If you continue to receive unwanted calls after registering on the Do Not Call List, you can explore other options such as call-blocking apps or services. These apps use predictive technology and user reports to intercept calls that are likely to be scams or illegal. Some apps are available for free, while others require a payment.

For insurance-specific calls, you can also request to be placed on an insurance company's internal do-not-call list. Many insurance companies have their own do-not-call policies and will respect your request to not be contacted for sales or marketing purposes. However, they may still contact you for non-solicitation reasons, such as servicing your existing policies or discussing specific coverage matters.

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How to block unwanted calls

Unwanted calls are frustrating and can pose a risk to your safety and security. Your details could be used for phishing, phone tracking, or even identity theft, so it's important to know how to block them.

The National Do Not Call Registry

The National Do Not Call Registry is a free service that stops sales calls—both live and robocalls—from legitimate companies that follow the law. It is a list that tells registered telemarketers which numbers not to call. Being on the Registry won't stop scammers from making illegal calls, but it should reduce the number of calls you get and make it easier to spot scam calls. You can register your numbers on the National Do Not Call Registry by calling 1-888-382-1222 (voice) or 1-866-290-4236 (TTY). You can also register at donotcall.gov.

Call-Blocking Apps

Another way to block unwanted calls is to use a call-blocking app, which acts as a filter. The company behind the app uses call data or reports from users, the FTC, and other sources to predict which calls are illegal or likely scams. The app then intercepts those calls before they reach you. Some popular apps include Hiya, Robocall Blocker, Robokiller, and Truecaller. Before downloading any app, always check the reviews and choose one from a reputable developer to avoid malware.

Call-Blocking Services

Blocking software or devices can stop unwanted calls before they reach you. Cell phones, home phones that make calls over the internet, and landlines each have their own call-blocking options. For example, Samsung offers a call-blocking solution called Smart Call. You can also use star numbers associated with network provider services such as *60 to block a number or *77 to reject unknown callers.

Report Unwanted Calls

If you get an illegal robocall, report it at ReportFraud.ftc.gov. If you've lost money to a phone scam or have information about the scammer, you should also file a complaint with the FTC. If the unwanted call is an IRS scam, file a complaint with the Treasury Inspector General for Tax Administration (TIGTA) at www.tigta.gov or call 1-800-366-4484.

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Telemarketer etiquette and penalties

Telemarketing is a highly effective strategy for businesses to increase their sales and build relationships with prospects. However, it is crucial for telemarketers to adhere to specific etiquette guidelines to ensure the success of their campaigns and avoid penalties.

Telemarketer Etiquette

When conducting outbound telemarketing, it is essential to maintain a professional and polite demeanor at all times. Here are some key etiquette tips for telemarketers:

  • Always be respectful and polite, even if the contact you are asking for is unavailable.
  • Ask to speak to a specific person by name and state your name, where you are calling from, and the reason for your call.
  • If the contact is unavailable, establish a more suitable time to call back.
  • Refrain from interrupting the person on the other end. Listen attentively and respond respectfully.
  • Regularly train and educate your telemarketing staff to ensure they provide a professional service.
  • Ensure your script is well-designed, and your callers are trained to follow it effectively.

Penalties for Non-Compliance

The Telemarketing Sales Rule (TSR) sets out specific regulations that telemarketers must comply with. Violating these rules can result in significant civil penalties. Here are some key penalties for non-compliance:

  • Telemarketers are prohibited from calling consumers who have registered on the National Do Not Call Registry. Violators are subject to civil penalties of up to $53,088 per violation.
  • Telemarketers must provide certain material disclosures and information to consumers before they purchase the goods or services being offered. Failure to do so truthfully and clearly is considered a deceptive telemarketing act and subjects the telemarketer to a civil penalty of $53,088 for each violation.
  • Telefunders calling on behalf of charitable organizations must maintain individual Do Not Call lists for each charity. Calling someone who has requested not to be contacted on behalf of a charity can result in a civil penalty of $51,774 for each violation.
  • Telemarketers must obtain prior written consent from consumers before making prerecorded telemarketing calls to their home or wireless phone numbers.
  • Telemarketers are prohibited from making telemarketing robocalls to wireless phones based solely on an "established business relationship" with the consumer.

To block telemarketing calls, consumers can register their phone numbers on the National Do Not Call Registry by calling 1-888-382-1222 (voice) or 1-866-290-4236 (TTY). They can also register online at donotcall.gov. Legitimate telemarketers are required to consult this list and remove registered numbers from their call lists within 31 days.

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Exceptions to the Do Not Call List

The National Do Not Call Registry is designed to stop unwanted sales calls from legitimate companies that abide by the law. It is a list that informs registered telemarketers which phone numbers they are not permitted to call. However, it is important to note that the registry does not block calls, and registering will not prevent scammers from making illegal calls.

While the Do Not Call rules generally apply to telemarketing calls, there are several exceptions. These include calls made by tax-exempt, non-profit organisations, political organisations, and pollsters. Additionally, informational messages such as school closings or flight information do not require prior consent to be sent to home phones.

Another exception to the Do Not Call list is for business-to-business calls. These are permitted unless they involve the retail sale of non-durable office or cleaning supplies, or solicit sales or charitable contributions from employees. Calls made in response to general media advertising are also generally exempt, although there may be exceptions to this.

In the context of insurance, it is worth noting that insurance companies are exempt from the FTC's Do Not Call list, but not the FCC's list. This means that insurance companies may still make telemarketing calls to consumers who have registered on the FTC list. However, if a consumer specifically requests to not receive further calls, the insurance company must comply and maintain a separate do-not-call list.

Furthermore, certain situations, such as those involving danger to life or safety, may override the Do Not Call list. In such cases, emergency services or other relevant entities may need to make calls or send texts without prior consent.

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Do Not Call List compliance

The National Do Not Call Registry is a free service that allows consumers to register their phone numbers to reduce the number of unwanted sales calls they receive. The registry covers both landline and wireless phone numbers, and there is no cost to register. Telemarketers are required to remove registered numbers from their call lists and stop calling them within 31 days.

To register a number on the National Do Not Call Registry, individuals can visit DoNotCall.gov or call 1-888-382-1222 (voice) or 1-866-290-4236 (TTY). It is important to note that registration must be completed from the phone number that the individual wishes to register. After registering online, individuals will receive an email with a link that must be clicked within 72 hours to complete the registration process. The phone number should appear on the registry the next day.

While the National Do Not Call Registry helps reduce unwanted sales calls from legitimate companies that follow the law, it does not block calls. Therefore, individuals may still receive calls from scammers or illegal robocalls. To further reduce unwanted calls, individuals can explore call-blocking and call-labelling services or apps that are available for cell phones, landlines, and internet-based phones. These services use predictive technology to intercept calls based on call data or user reports.

In addition to the National Do Not Call Registry, some states have their own telemarketing restrictions, such as the Michigan Home Solicitation Sales Act (MHSSA). This act establishes similar telemarketing restrictions and adopts the federal do-not-call registry. However, it is important to note that certain exemptions may apply, such as the sale or solicitation of insurance by a licensed insurance agent. Insurance companies are also required to comply with Federal and State laws and have their own do-not-call policies to protect their member-policyholders and insureds. These policies outline the procedures for consumers to request to be placed on a do-not-call list.

Frequently asked questions

You can register your phone number on the National Do Not Call Registry. This is a free service that tells legitimate telemarketers which numbers not to call. You can register by visiting donotcall.gov or by calling 1-888-382-1222 (voice) or 1-866-290-4236 (TTY).

No, registering your number on the National Do Not Call Registry will not block calls. It will only stop sales calls from legitimate companies that follow the law. Scammers making illegal calls may still be able to contact you. To block unwanted calls, you can look into call-blocking apps or services.

If you continue to receive unwanted insurance sales calls after registering on the National Do Not Call Registry, you can file a complaint with the Federal Communications Commission (FCC) or the Federal Trade Commission (FTC). You can also ask to be taken off the caller's list directly.

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