Louisiana Insurance Overview

Insurance telemarketing in Louisiana requires dual registration awareness: LPSC DNC registration ($400/year) for telemarketing generally, and Louisiana Department of Insurance compliance for insurance-specific rules. The 6-month EBR window is a trap for agents who assume the federal 18-month standard applies — it does not in Louisiana. The enhanced $3,000 penalty for calling subscribers over 65 is particularly relevant for Medicare supplement and life insurance marketing. The ADAD permit requirement ($10,000 bond) means any predictive dialer operation needs separate authorization. The emergency declaration ban is critical during hurricane season when policyholders are most likely to need outreach — but marketing calls must stop; only existing policy obligation calls are exempt.