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Indiana

IN

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Indiana

Insurance agency telemarketing and lead generation compliance in Indiana

Guide last reviewed: January 2025

⚠

Mini-TCPA State — IC § 24-5-14 (Telephone Solicitation of Consumers)

Indiana imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $10,000 per-violation penalties.

Indiana Insurance Overview

Insurance telemarketing in Indiana requires AG registration, DNC compliance, and Department of Insurance regulatory compliance. The $100 written confirmation threshold applies to policy sales. Enhanced elderly penalties make senior-focused outreach higher risk. EBR provides limited protection for existing policyholders via manual calls.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed insurance producers must register with IN AG if making outbound sales calls to non-policyholders,Scrub federal DNC before calling,Manual dialing for cold outreach — 8 AM to 9 PM,Identify yourself as a licensed agent, state company, and disclose sales purpose,Do not misrepresent policy terms, coverage, or pricing,Written confirmation for sales over $100,EBR exemption for current policyholders (manual calls only),Honor opt-out immediately,Enhanced penalties for targeting elderly consumers,Medicare and health insurance calls subject to additional CMS requirements

What Gets Companies Sued

✗Common insurance violations: (1) Auto-dialing Medicare-eligible consumers; (2) Misrepresenting coverage; (3) Not registering with IN AG; (4) Calling DNC numbers; (5) Not providing written confirmation for policies.

Special Exemptions

Licensed insurance producers with existing policyholders have an EBR exemption for manual calls. Does NOT cover leads who only requested a quote.

Key State Rules

Mini-TCPAYes
RegistrationRequired
Class ActionsNot specified
Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Indiana

John Spiller II / Jakob Mears / Rising Eagle Capital Group / JSquared Telecom

$310,000

Mar 2023

robocall violationsdnc violationsprerecorded without consenttelemarketing fraud

IN AG Rokita co-led 7-state coalition securing $244.66M combined judgment against Spiller ($122.3M) and Mears ($122.3M). Spiller/Mears made 25 million calls to Indiana, including 13.5M to DNC and 5M to Indiana Do Not Call list. Judgments suspended to $50K and $10K respectively. Permanent telemarketing ban. When Spiller violated the ban using aliases, faced contempt + $600K + lifetime telecom industry ban. IN AG reported $392M total in robocall fines/settlements.

All enforcement actions in Indiana →

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →