Priority Insurance Concepts / Compliance

Stay clean

The rules, the guardrails, and the escalation paths that keep you licensed and keep your commissions paid. Read this. Save it. Use it.

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One TCPA violation or CMS infraction can cost your license.
One ignored DNC request can cost the agency six figures in fines. Compliance isn't a box to check — it's how you stay in business. If you're ever unsure, stop and ask before you dial.

TCPA

Federal
  • Only dial leads with documented prior express written consent. No consent, no call — ever.
  • Calls only between 8:00 AM and 9:00 PM in the prospect's local time zone. We enforce 8:00 AM – 8:30 PM for safety margin.
  • If a prospect says "take me off your list," "remove me," "stop calling" — the call ends immediately. Log the DNC request and add them to the internal suppression list.
  • Recording disclosure is required before any substantive conversation in most states. AVA handles this on inbound; you handle it on outbound manually.
  • The digital business card cannot be texted BEFORE a call — only DURING the call, within the first 60 seconds, after verbal permission.

CMS / Medicare

Medicare Only
  • Scope of Appointment (SOA) is required before discussing specific MAPD or Medicare Supplement plan benefits. No exceptions.
  • Never use prohibited marketing terms: "free," "limited time," "government approved," "confidential," or any language implying CMS endorsement.
  • All Medicare marketing calls must be recorded and retained for 10 years per CMS requirement.
  • AHIP certification renewed annually — required before you can submit MAPD applications.
  • Never mislead on plan comparisons, benefits, or provider networks. If you don't know an answer, say so and research it.

DNC

Federal + State
  • National DNC list is scrubbed automatically via the dialer. State DNC lists for TX, VA, NC, SC, NV are also scrubbed.
  • Internal DNC (any prospect who asked to be removed) is honored permanently across all PIC agents.
  • A prospect who fills out a lead form has consented to that campaign — but only that campaign. Don't assume the consent transfers.
  • When in doubt, do not dial. The cost of missing one call is zero. The cost of a DNC violation is significant.

State Requirements

VA · NC · SC · TX · NV
  • You must be actively licensed in the state where the prospect resides. Not where they're located physically — where they live.
  • State-specific disclosures are required in some states (Texas Medicaid rules, NC Medicare requirements, etc.). When in doubt, escalate before pitching.
  • NPN must be current. Appointment with each carrier in each state must be active before you can submit business.
  • CE requirements vary by state. Track your CE deadlines — expiration costs you your book.

Unsure about something?

Compliance gray areas are normal. Wrong decisions aren't. When in doubt, escalate before you dial. Faster than finding out the hard way.

Escalate to Jason Escalate to Debbie