Does Indiana require registration for Insurance telemarketers?

Yes — Indiana requires telemarketer registration before placing calls.

What is the penalty per violation in Indiana?

Up to $10,000 per violation (or $10,000 for willful violations). Private right of action available.

Home / States / Indiana

Indiana Telecom Compliance Guide

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

Overview Calling Hours Consent Registration DNC Compliance DNC Registry Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Indiana

Insurance agency telemarketing and lead generation compliance in Indiana

Guide last reviewed: January 2025

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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 →