Aged insurance leads offer scale and affordability, but mishandling them can put your agency at risk. From TCPA violations to data privacy missteps, compliance oversights can cost you thousands. This guide outlines exactly how to protect your business while working aged insurance leads—without slowing down your sales machine.
Why Aged Insurance Leads Compliance Is Critical
Leads 30 to 120+ days old can still yield strong ROI—but they come with compliance baggage. You’re legally obligated to follow contact, consent, and opt-out rules. Getting this wrong can mean:
- TCPA fines of up to $1,500 per call
- CAN-SPAM penalties up to $46,517 per email
- Lawsuits and blacklisting from noncompliant outreach
Know the Core Laws Governing Aged Leads
TCPA: Telephone Outreach
- Consent must be written and pre-dated outreach
- Do Not Call (DNC) lists must be checked
- Calls/texts only during allowed hours (8am–9pm local)
- Retain proof of consent for all outreach
Learn more via FTC TCPA Guide
CAN-SPAM: Email Marketing
- Only email with prior permission or relationship
- Must include working opt-out links
- Subject lines and sender names must be clear
- Opt-out requests must be honored within 10 business days
Reference CAN-SPAM compliance guidelines
State Privacy Laws
- Comply with CCPA, CTDPA, and others where applicable
- Some states mandate consumer rights for data deletion or access
- Retention windows may vary—scrub old data regularly
See Comparison of State Data Privacy Laws
Best Practices to Stay Compliant
Vet Your Vendors
- Ask for source and consent documentation
- Verify all leads are TCPA and CAN-SPAM compliant
- Avoid vague or unverified data sources
Scrub Every List
- Run DNC checks on all contacts—federal and state
- Segment by consent date and communication channel
- Remove or suppress outdated or opted-out records
Keep Solid Records
- Track consent type, date, and channel
- Log all outreach attempts and messages
- Document every opt-out and DNC action
Train and Audit
- Educate your team on current compliance rules
- Use approved, compliant scripts
- Run periodic audits of your outreach process
Mistakes to Avoid
- Assuming consent is forever: It expires—check your records
- Skipping list scrubs: Leads can end up on DNC or opt-out lists at any time
- Relying 100% on vendors: Always run your own checks
- Failing to update team training: Laws change—stay current
FAQs: Aged Insurance Leads Compliance
Can I call a lead if they didn’t opt in recently?
Only if you have valid, documented consent and they are not on a DNC list.
What’s the safest way to email aged leads?
Use permission-based email lists with clear opt-outs, and log all actions.
What’s the retention rule for lead data?
Varies by state, but 12–24 months is a general safe zone. Always scrub aged-out data.
Can I trust the vendor’s DNC claim?
You shouldn’t. Always run your own scrub before launching a campaign.
Upgrade Your Outreach, Stay Compliant
Selling insurance doesn’t have to mean risking fines. With a compliance-first lead strategy, you can keep your pipeline full and regulators happy.
Get Our Aged Lead Compliance Checklist
Speak to a Lead Specialist
