Compliance & Best Practices

Your exclusive leads come from consumers who actively requested an insurance quote. This is important because:

• The consumer initiated the contact — they filled out a form requesting help
• They provided consent to be contacted about insurance
• This makes your outbound call a response to their request, not unsolicited outreach
• However, consent has limits — you still need to follow the rules

When calling ClearChoicePartner leads:

• Call during reasonable hours (generally 8 AM - 9 PM in the consumer's time zone)
• Honor "do not call" requests immediately — if they say "stop calling," stop
• Don't call from blocked or spoofed numbers
• Identify yourself clearly at the beginning of every call
• If using auto-dialers, make sure you have proper consent documentation

When texting leads:

• Only text consumers who have provided prior express consent
• Include your name and agency in every text
• Honor opt-out requests immediately ("STOP" or "Don't text me")
• Keep a record of consent and opt-out requests
• Never send texts after 9 PM in the consumer's time zone

The platform helps with compliance:

• Consumer consent is obtained during the lead generation process
• Lead data includes the consumer's time zone for appropriate calling hours
• The platform maintains records of consumer inquiries

You must maintain a list of consumers who have asked to not be contacted:

• Add anyone who says "don't call me" or "take me off your list"
• Include their phone number, the date of the request, and who received it
• Check your DNC list before calling any consumer
• Keep records for at least 5 years

The FTC maintains a national Do Not Call registry:

• You should scrub your call lists against the national DNC registry
• ClearChoicePartner leads are generally exempt from DNC because the consumer initiated contact
• However, once a consumer asks to be on YOUR DNC list, DNC rules apply regardless

Maintain records of:

• When each lead was received and when you first attempted contact
• Consent documentation (ClearChoicePartner provides this via lead records)
• Any DNC requests with dates
• Call outcomes and disposition notes
• Your internal DNC list

For agencies with multiple agents:

• Keep one centralized DNC list accessible to all agents
• When any agent gets a DNC request, it goes on the shared list immediately
• Brief your team monthly on compliance basics
• One agent calling a DNC'd number can create liability for the entire agency

If a consumer says they don't want to be recorded:

• Immediately stop the recording
• Continue the call normally
• Never make it a condition of service
• Note that the call was not recorded in your records

Even in one-party states, disclosing builds trust:

• It signals professionalism and transparency
• It protects you from any legal ambiguity
• Consumers rarely object — it's become standard practice
• Your recordings become more legally defensible

As a partner on the platform:

• Always represent yourself honestly (who you are, who you represent)
• Never make promises about coverage you can't guarantee
• Be transparent about what's covered AND what's not covered
• Don't pressure consumers into policies that don't fit their needs
• Explain deductibles, exclusions, and limitations clearly

Ethical agencies earn:

• Higher client retention (trust-based relationships last)
• More referrals (people recommend agents they trust)
• Fewer E&O claims (clear communication prevents misunderstandings)
• Better carrier relationships (carriers want professional partners)
• Sustainable growth (shortcuts create short-term gains but long-term pain)

For agency owners:

• Include compliance and ethics in monthly team meetings
• Review real scenarios together (anonymized from actual calls)
• Create an agency code of conduct
• Lead by example — if the owner cuts corners, the team will too