State telemarketing laws for life insurance agents (2026).

Which states have stricter telemarketing rules than federal law?

These ten, among others. Each row links to a page with the statute for every rule.

Checked against each state's statute site or regulator on November 3, 2026. Other states have their own rules too; this list is not complete.

What does federal law already require?

• Calling hours: no telephone solicitation before 8 a.m. or after 9 p.m. in the called party's local time (47 CFR § 64.1200(c)(1)).
• AI voice: an AI voice is an artificial voice under the TCPA (FCC 24-17), so an artificial-voice telemarketing call needs prior express written consent.
• Do Not Call: the National Do Not Call Registry, with a safe harbor that needs a download no more than 31 days old (16 CFR § 310.4(b)(3)).

The full federal picture is in Can AI call life insurance leads?

What kinds of state rules matter most to life insurance agents?

• Shorter hours. Florida, Oklahoma, Maryland, Washington, Connecticut, Louisiana and Mississippi stop at 8 p.m. (Mississippi on Central Standard Time). Connecticut starts at 9 a.m., and so does Indiana for autodialed calls. Pennsylvania now allows 9 a.m. to 7 p.m. only.
• Sundays and holidays. Pennsylvania, Louisiana and Mississippi bar Sunday solicitations; Pennsylvania and Louisiana also bar legal holidays.
• Call frequency. Florida, Oklahoma and Maryland allow no more than three calls in 24 hours on the same subject.
• Consent for automated and recorded calls. Florida, Oklahoma, Maryland, Connecticut, Pennsylvania and Indiana tie automated, recorded, synthesized or artificial-voice calls to consent. Washington bans recorded or artificial-voice devices for commercial solicitation. Mississippi limits recorded-voice calls to existing customers.
• State do-not-call lists. Florida, Oklahoma, Texas, Pennsylvania, Louisiana and Indiana keep their own lists or registration programs.
• Registration and bonds. Many states require telemarketers to register; licensed insurance agents are often exempt from registration but not from the calling rules.

Are life insurance agents exempt from state telemarketing laws?

Sometimes, and usually only in part. Read the exemption's exact words:

• Florida exempts licensed agents from its telemarketing license, but keeps the hours and three-call limit for them.
• Oklahoma exempts licensed agents from the whole OTSA, but not from the state do-not-call registry.
• Texas exempts Insurance Code licensees from registration, but the no-call list exemption excludes autodialed calls.
• Pennsylvania exempts licensed businesses from registration only.
• Mississippi exempts agents from registration, keeps the hours and Sunday ban, and bans Medicare Advantage solicitations.
• Indiana exempts producers from its do-not-call law but not its autodialer law.
• Washington treats each insurance agent as a company under its solicitation rules.

Exemptions are usually written for the licensed person “soliciting within the scope” of the license. Whether one covers a call placed for the agent by an unlicensed setter or by software is a question for your counsel.

What about AI disclosure laws?

No federal rule required callers to say a call is AI-generated as of November 3, 2026; the FCC proposed one in 2024 (FCC 24-84). Utah requires a business using generative AI in a consumer transaction to disclose it when the person clearly asks (Utah Code § 13-77-103). Pennsylvania's 2026 amendment bans synthetic or computer-generated messaging used to defraud, deceive or mislead. Polca does not promise that Ava will say she is automated; where a disclosure is required for your calls, setting that up is your agency's job.

How do Polca's calling limits relate to state rules?

On every call, AI and human, Polca calls only between 9 a.m. and 7 p.m. in the lead's local time (checked against the lead's state and area code), never dials on Sundays, checks the agency's opt-out list at dial time, adds opt-outs it detects on calls, caps attempts per lead, and gives the agency a kill switch. Agencies can tighten these limits (narrower hours, lower caps) but cannot loosen them.

Polca's 9 a.m. to 7 p.m. window sits inside the calling hours of every state on this page, and no outbound dialing on Sundays covers the Sunday bans in Pennsylvania, Louisiana and Mississippi.

These limits do not cover every state rule. Polca's Calling & AI Voice policy says state holiday or emergency restrictions and state rules stricter than these limits are the agency's responsibility. Polca does not scrub lists against the National Do Not Call Registry or any state list, and its own registrations do not cover the agency. Your agency has to check the rules of every state it calls.

In practice that leaves these with the agency: legal holidays and declared emergencies (Pennsylvania, Louisiana), state do-not-call lists and registration, three-calls-a-day counts across every system you call from, the identification script, and whether an AI voice may call a given state's leads at all.

What should an agency do before calling a new state?

• Read that state's statute on hours, consent, call limits, lists and registration.
• Find the exact wording of any insurance exemption and ask counsel if it covers how you call.
• Register and buy the state list where required, and suppress it with your own opt-out list.
• Set lower attempt caps or narrower hours in Polca where the state needs them.
• Decide state by state whether an AI voice calls those leads or a person does.

This page is general information from Polca (polca.ai), not legal advice. Read the linked statute and talk to your own counsel before you rely on it.

Common questions

Sources

1. 47 CFR § 64.1200 (FCC telemarketing and robocall rules)
2. FCC Declaratory Ruling FCC 24-17 (AI-generated voices are “artificial” voices under the TCPA), released Feb. 8, 2024
3. 16 CFR Part 310 (FTC Telemarketing Sales Rule)
4. FCC Notice of Proposed Rulemaking FCC 24-84 (proposed AI-call disclosure rules), Aug. 8, 2024
5. Utah Code § 13-77-103 (disclosure of generative AI use)
6. Fla. Stat. § 501.059 (Florida Telephone Solicitation Act)
7. Fla. Stat. § 501.616 (calling hours and call limits)
8. 15 O.S. § 775C.5 (Oklahoma Telephone Solicitation Act exemptions)
9. Md. Code, Com. Law § 14-4502 (Maryland telephone solicitation limits)
10. RCW 80.36.390 (Washington telephone solicitation)
11. RCW 80.36.400 (Washington: automatic dialing and announcing devices)
12. Conn. Gen. Stat. ch. 743m, §§ 42-284 to 42-289 (telephonic sales calls)
13. Tex. Bus. & Com. Code ch. 302 (telephone solicitation registration)
14. Tex. Bus. & Com. Code ch. 304 (Texas no-call list)
15. Pennsylvania Telemarketer Registration Act, Act 147 of 1996 as amended (73 P.S. § 2241 et seq.)
16. Pennsylvania Act 47 of 2026 (SB 992), approved July 20, 2026
17. La. R.S. 45:844.14 (Louisiana: telephonic solicitor registration)
18. Louisiana PSC General Order R-29617 (Do Not Call rules)
19. Mississippi HB 1350 (2024), amending Miss. Code §§ 77-3-707, -711 and -723, effective July 1, 2024
20. Ind. Code 24-4.7-1 (telephone solicitation of consumers: scope and exemptions)
21. Ind. Code 24-5-14 (automatic dialing-announcing devices)
22. Polca Calling & Recording Policy

This page is general information, not legal advice. Laws and rules change; check the sources and talk to your own counsel.

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