Do Not Call Registry!
What is the National Do Not Call Registry?
The National Do Not Call Registry (National Registry) is a list of registered residential and cell phone numbers belonging to consumers who do not want to receive telemarketing calls. With a few exceptions, if a person’s phone number appears on the National DNC Registry, federal law prohibits telephone solicitation calls to the registered number. The federal law also states that no person or entity shall initiate any telephone solicitation to any residential telephone subscriber before the hour of 8 a.m. or after 9 p.m. (local time at the called party's location). In addition to the National Registry, many states and our Company maintain Do Not Call lists. Consumers may register home phone numbers and cell phone numbers on any or all of them.
Exemptions to Do Not Call
If you have an ‘established business relationship’ with a customer, federal Do Not Call provisions generally do not apply. An 'established business relationship' is limited to:
- Active Policyholder — Anyone with individual or group coverage (including covered members of a group policy).
- Lapsed Policyholder — Anyone who had an established business relationship with the Company, but contact for solicitation purposes is limited to an 18-month period following the date of last payment.
- Inquiries — Individuals who inquire or request information or complete an application with the Company within the past three months.
The exemption applies to both active and lapsed policyholders, but the business relationship and the exemption terminate immediately if the consumer requests not to be called
Do Not Call provisions do not apply to calls between a telemarketer and a business, but a business can request its number be added to the Company’s Do Not Call list. Referrals are not exempt from Do Not Call provisions.
The Following Fines Apply to Do Not Call Violations
Federal: Up to $41,484 per call
State: Up to $10,000 per call
Private Suits: Up to $500 per call
Guidelines to Help Ensure Do Not Call Compliance
- Make calls only from phones that provide accurate caller identification information. No call spoofing. You must make calls from your actual telephone number. No calls can be made from using an automatic telephone dialing system.
- Always give your name, the Company name, and the purpose of the call at the beginning of each call.
- Provide your telephone number for call-backs.
- Only make telephone solicitation calls from 8 a.m. to 9 p.m. in the time zone you are calling and never on holidays.
- While the federal calling times provide the foundation of when a call can be made, several states have more restrictive rules. When a state has a more restrictive call time rule, you must follow those state call time restrictions unless an established business relationship will provide an exemption from that state’s call time restrictions, which may be subject to change. It is your responsibility to verify if certain exemptions apply in your state.
- While many legal holidays are recognized nationwide, there are some variations from state to state. Calls are prohibited on state-specific holidays, which may be subject to change. It is your responsibility to verify if certain state-specific holidays apply in your state.
- There are 14 states (AK, FL, ID, IN, KS, KY, MI, ND, NE, NV, OR, SD, TN, TX) that have 2 time zones, so you will need to pay close attention to which time zone the consumer resides in.
- As a courtesy, place no more than 3 outbound call attempts per day to any one consumer.
- The Company strongly discourages the use of any automated telephone dialing system that dials or sends text messages to customers or policyholders. Please email AskCompliance@globe.life if you wish to use such technology.
- Scrub all solicitation calls against the Do Not Call Search entry above. Enter the phone number and click on Submit. If there is a match found, do not make a telephone solicitation call to that person.
- If anyone makes a request for you to not call them again, you must immediately record the full name of the person, phone number, address if available, policy number if available, and forward the request via e-mail to GLNYAGENCY@globe.life.
- If you are asked by anyone to provide the Company’s Do Not Call Policy, you must also immediately record the full name of the person, phone number, address, policy number if available, and forward the request via e-mail to GLNYAGENCY@globe.life.