Farewell to 1:1 Consent—What It Means for Insurance Leads & Your Business
Breaking News: 1:1 Consent Rule Struck Down
On Jan. 24, the U.S. Court of Appeals for the Eleventh Circuit overturned the FCC’s one-to-one consent rule, a regulation that would have drastically changed how businesses acquire and use marketing leads. This decision reopens the door for multi-seller consent, ensuring that insurance agents and marketers can continue using lead generation strategies without excessive restrictions.
What Was the 1:1 Consent Rule?
The rule, which was supposed to take effect on Jan. 27, 2025, required consumers to give explicit permission to each individual company before receiving marketing calls or texts. This would have effectively shut down traditional lead aggregation and shared consent models, making it harder for insurance agents to reach potential clients.
However, the court ruled that the FCC overstepped its authority under the Telephone Consumer Protection Act (TCPA) by trying to impose additional limitations on how “prior express consent” is defined.
What This Means for Insurance Agents & Lead Buyers
✅ Multi-Seller Consent is Still Valid – Consumers can still agree to receive marketing from multiple businesses at once, meaning lead aggregators can continue providing high-intent leads.
✅ Stronger Pipeline for Agents – With the removal of the 1:1 restriction, insurance agents can leverage data-driven lead generation strategies without worrying about compliance shifts.
✅ Existing TCPA Regulations Still Apply – While this ruling struck down new restrictions, you must still ensure that clear and verifiable consent is obtained to stay compliant.
How to Maximize This Opportunity
🔹 Double Down on Multi-Seller Leads – With this ruling, shared and exclusive leads remain viable, allowing you to scale your outreach efforts.
🔹 Optimize Lead Acquisition Strategies – Work with trusted lead providers (like Badass Insurance Leads) to ensure quality, TCPA-compliant leads that convert.
🔹 Stay Ahead of Compliance Updates – While this ruling is a win, regulatory landscapes can change quickly. Ensure your call scripts, disclosures, and opt-in processes remain aligned with TCPA best practices.
Final Thoughts
This ruling reaffirms the power of lead generation in the insurance industry, ensuring that agents can still access high-quality leads without unnecessary roadblocks. Now’s the time to capitalize on this opportunity, refine your marketing approach, and close more deals.
