Does Michigan require registration for Insurance telemarketers?

Yes — Michigan requires telemarketer registration before placing calls.

What is the penalty per violation in Michigan?

Up to $250 per violation. Private right of action available.

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Michigan Telecom Compliance Guide

Telecom Compliance Reference · Statute last amended 2018

Mini-TCPA State — High Risk

Calling Hours

9:00 AM–9:00 PM

Min Penalty

$250

Registration

Required

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

Insurance Telemarketing Compliance in Michigan

Insurance agency telemarketing and lead generation compliance in Michigan

Guide last reviewed: January 2024

⚠

Mini-TCPA State — Mich. Comp. Laws § 445.111a et seq.; Mich. Comp. Laws § 484.125

Michigan imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $250 per-violation penalties.

Michigan Insurance Overview

Insurance telemarketing in Michigan is complicated by the 3-call-per-year limit. During Medicare AEP, when call volumes spike, exceeding that limit for the same prospect is trivially easy without rigorous tracking systems. The 9 AM start time also cuts into morning calling hours that national campaigns rely on. DIFS licensing + LARA telemarketing registration = dual regulatory compliance. Manual dialing to non-DNC numbers remains viable for prospecting within the 3-call limit.

Penalty/Violation

$250

Willful

Not yet verified

Calling Hours

9:00 AM–9:00 PM

Stricter than federal

Private Suit

Allowed

Compliance Checklist

✓Register with Michigan LARA as telephone solicitor if cold calling prospects,Michigan Department of Insurance and Financial Services (DIFS) license required — separate from telemarketing,Calling hours: 9:00 AM – 9:00 PM — one hour later than federal,No calling on legal holidays,Maximum 3 calls per year to same person on same subject — critical for Medicare AEP campaigns,Scrub Michigan DNC + federal NDNC before every campaign,Prior express written consent for automated calls to cell phones under federal TCPA,Licensed agents calling existing policyholders about current policies have partial registration exemption,Medicare/Medicaid: CMS marketing rules apply during AEP/OEP,Honor opt-out requests — remove within 10 business days,The FCC one-to-one consent rule was vacated in January 2025 and never took effect

What Gets Companies Sued

✗Top Michigan violations for insurance: (1) Exceeding 3-call limit during Medicare AEP — high-volume campaigns hit this fast; (2) Calling before 9 AM; (3) Auto-dialing Medicare leads without written consent; (4) Operating without LARA telemarketing registration; (5) Holiday calling during AEP/OEP periods.

Special Exemptions

Licensed insurance agents calling existing policyholders about current policies have partial exemption. Does not cover cold calling leads or pitching new products. 3-call limit still applies.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

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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 →