TCPA Compliance for Life Insurance Lead Buyers in 2026
Since the FCC's 1:1 consent rule took full effect, the days of buying leads with vague 'marketing partners' consent are over. A compliant IUL lead in 2026 has a much shorter list of things you can do with it — and a much clearer paper trail.
What one-to-one consent means for lead vendors
Consent must be to a named seller. A form that names 'our marketing partners' does not create consent for you. A compliant lead form names the exact business (or a short, disclosed list) the prospect is agreeing to be contacted by.
Revocation handling
A prospect saying 'stop' by any reasonable means must be honored, and the vendor should be scrubbing DNC additions from all future delivery. Ask any vendor to walk you through their revocation flow.
Record retention
You want, at minimum: the exact consent language shown, the URL and timestamp, the IP address, and the form fields submitted. A vendor who cannot produce this within 24 hours of a request is not one you want to defend in a complaint.