Can insurance agents text leads?

Yes, with consent. Marketing texts sent with automated systems need prior express written consent, such as an unchecked box on your quote form that names your agency. Name the agency in every message and honor opt-outs right away.

Can I text insurance leads I bought?

Only if the consent the person gave covers texts from your agency. Read the lead's opt-in language: if it doesn't name you or clearly cover texts from you, treat the lead as not opted in. Signilio's Acceptable Use Policy prohibits messages to purchased or non-consented lists.

Do insurance agencies need 10DLC registration?

Yes, to text from ordinary local numbers. The agency registers a brand (legal name and EIN) and a campaign describing its messages and how people opt in. Signilio registers your brand and campaign during onboarding.

Are policy renewal reminders marketing texts?

A reminder of a renewal date is informational, though it still needs the policyholder's consent when sent with automated systems. A text that pitches more or different coverage is marketing and needs written consent.

Can I text about Medicare plans?

Medicare Advantage and Part D marketing has its own federal rules on top of the TCPA. CMS rules bar unsolicited text messages about those plans, so text only beneficiaries who agreed to it or contacted you first, and check the rest of the CMS marketing rules before you send.

Industry

Texting for Insurance Agencies: Quotes, Renewals and Consent

How insurance agencies text leads and policyholders: quote follow-up, renewal reminders, consent for purchased leads, Medicare caution, 10DLC and cost.

Insurance is sold on follow-up. A quote request gets answered first by the agent who texts first, and a renewal reminder keeps a policyholder from shopping elsewhere. Insurance texting also draws lawsuits when the person never agreed to hear from the agent who texted them.

What insurance agencies text

Quote follow-up to people who requested a quote, within minutes.
Policy service: documents ready, payment reminders, renewal dates, claim status updates.
Renewal and review reminders ahead of the renewal date.
Cross-sell offers to opted-in policyholders, such as bundling home and auto.

Consent for insurance texting

Your own quote forms. An unchecked box that names your agency, says the person agrees to receive marketing texts at the number they gave, and says agreeing isn't a condition of buying a policy. That's prior express written consent for marketing texts. See how to word SMS consent.
Purchased leads. Before you text a lead you bought, read the consent the person actually gave. If it doesn't name your agency or clearly cover texts from you, treat the lead as not opted in. Signilio's Acceptable Use Policy prohibits messages to purchased or non-consented lists.
Policyholders. Service texts about a policy someone holds are informational and still need their consent when sent with automated systems; offers for new coverage are marketing and need written consent.

Keep your own record of each consent; Signilio doesn't keep that proof for you. STOP-keyword opt-outs are honored automatically; treat any reply asking you to stop as an opt-out too.

Medicare plans. Marketing Medicare Advantage and Part D plans has its own federal rules on top of the TCPA: CMS rules bar unsolicited text messages about those plans. Text only beneficiaries who agreed to it or contacted you first, and check the rest of the CMS marketing rules before you send.

Timing and frequency

Keep marketing texts between 8am and 9pm in the recipient's local time (the FCC's calling-hours rule for telephone solicitations, used as the window for every marketing text), and before 8pm in states like Florida, Oklahoma and Maryland, which also cap telephone solicitations at three per 24 hours on the same subject. See SMS quiet hours.

One inbox for the agency

Producers, account managers and service staff can answer from one shared inbox on the agency's registered numbers, with each conversation assigned, so a policyholder's question doesn't wait for one person to be back at their desk. See speed to lead.

10DLC registration for insurance agencies

An agency texting from local numbers registers a brand (the agency's legal name and EIN) and a campaign describing what it sends and how people opt in. Describe quote follow-up and policy service accurately, and write sample messages that look like your real ones. Since February 2025, US carriers block unregistered business traffic from local numbers. See 10DLC registration.

What texting costs an agency

On Signilio, Growth is $79.99 a month for 3,000 texts and 5 seats, and Pro is $189.99 a month for 12,000 texts, 15 seats and 10 numbers, then 3¢ a text, with carrier fees included and replies free. See pricing.

None of this is legal advice; have counsel review your program before you send.

Sample texts for insurance

Starting points to adapt. Bracketed fields are merge fields or your own details; every marketing text names your business and says how to opt out.

Quote follow-up

Hi [First name], this is [Agent] at [Your agency]. I have your auto quote ready. Do you have 5 minutes today to go over it? Reply STOP to opt out.

Renewal reminder

[Your agency]: your home policy renews on [date]. Questions about your renewal? Reply here.

Documents ready

[Your agency]: your new ID cards are ready. Download them here: [link].

Bundle offer (opted-in policyholders)

[Your agency]: bundling home and auto could lower your premium. Reply YES for a free quote. Reply STOP to opt out.

Common questions

Can insurance agents text leads?: Yes, with consent. Marketing texts sent with automated systems need prior express written consent, such as an unchecked box on your quote form that names your agency. Name the agency in every message and honor opt-outs right away.
Can I text insurance leads I bought?: Only if the consent the person gave covers texts from your agency. Read the lead's opt-in language: if it doesn't name you or clearly cover texts from you, treat the lead as not opted in. Signilio's Acceptable Use Policy prohibits messages to purchased or non-consented lists.
Do insurance agencies need 10DLC registration?: Yes, to text from ordinary local numbers. The agency registers a brand (legal name and EIN) and a campaign describing its messages and how people opt in. Signilio registers your brand and campaign during onboarding.
Are policy renewal reminders marketing texts?: A reminder of a renewal date is informational, though it still needs the policyholder's consent when sent with automated systems. A text that pitches more or different coverage is marketing and needs written consent.
Can I text about Medicare plans?: Medicare Advantage and Part D marketing has its own federal rules on top of the TCPA. CMS rules bar unsolicited text messages about those plans, so text only beneficiaries who agreed to it or contacted you first, and check the rest of the CMS marketing rules before you send.
What time can insurance agents text?: Keep marketing texts between 8am and 9pm in the recipient's local time, and before 8pm in states like Florida, Oklahoma and Maryland, which also cap telephone solicitations at three per 24 hours on the same subject.