KNOW BEFORE YOU DIAL

A familiar routine.
Real consequences.

A call made too late. One attempt too many. An opt-out missed between systems. Small actions can become complaints, lost trust and legal exposure.

Call Assist puts configured calling controls and an evidence trail into the agent’s workflow. It supports careful decisions; it does not guarantee compliance or replace legal advice.

Florida: the time and the attempt count matter.

Florida Statutes §501.616(6) restricts covered commercial solicitation calls before 8 a.m. or after 8 p.m. in the recipient’s local time zone. It also restricts more than three calls on the same subject to a person over 24 hours, regardless of the number used.

That is a rolling 24-hour restriction—not simply a counter that clears at midnight. Applicability, definitions and exemptions matter: Florida’s telemarketing law includes exemptions, including a provision concerning licensed insurance brokers, agents and solicitors acting within their license. Do not assume every insurance call is governed identically.

Read §501.616 · Read the §501.604 exemptions

A complaint does not stop at “I didn’t know.”

Florida §501.059 includes a private-action mechanism for specified violations. Who may be liable, which calls qualify and what remedies apply depend on the facts and law. Working for an agency should not be treated as a blanket personal shield; obtain advice on your own role rather than relying on that assumption.

Read §501.059, including its action and remedy provisions

An opt-out needs action, not a sticky note.

Keep suppression status, the original request and the action taken together. Call Assist provides a do-not-call action, retains suppression against the person and number, and records changes for review. Connected systems must pass the relevant events correctly; a sales disposition and a revoked permission are not interchangeable.

Consent and revocation requirements vary with the communication and applicable rules. Do not assume a text opt-out can always be isolated from calling permission.

FTC guidance on do-not-call requests

The carrier’s rules belong in the conversation too.

Carrier manuals, approved sales procedures and state-specific product rules can affect what you ask, present and submit. Use current carrier material for underwriting questions, benefit timing, replacements and application requirements. A suggested answer or displayed premium is not an approval.

Call Assist narrows quotes to contracted carriers and the agent’s selections, brings follow-up questions into view, and preserves the offered quote with the call. Final carrier review and current manuals remain essential. This page does not claim that every carrier manual is automatically monitored for changes.

Keep the evidence behind the conversation.

Recording-disclosure prompts, source-linked answers, transcripts, consent records and action history help an agency review what happened. An audit trail supports review; it is not immunity from liability.