Built for the Most Regulated Industry in AI Calling.
Insurance AI calling is subject to HIPAA, TCPA, CMS TPMO rules, state licensing requirements, FCC regulations, and carrier-specific guidelines. VectraCall enforces every one of them automatically — on every call, for every product line, from day one.
Compliance Framework
Every Regulation. Every Product. Automated.
VectraCall enforces the correct compliance framework for each product line automatically. No manual configuration. No compliance gaps. No E&O exposure from a missed disclaimer.
HIPAA
Health Insurance Portability and Accountability Act
VectraCall executes a HIPAA Business Associate Agreement (BAA) on every plan from day one. All call recordings are stored with 6-year retention, encrypted at rest and in transit. No plan tier required — every customer, every product line.
- BAA executed on day one — all plans
- Call recordings encrypted at rest (AES-256)
- Encrypted in transit (TLS 1.3)
- 6-year call retention — CMS requirement
- PHI handling procedures documented
- Breach notification protocols in place
HIPAA violation: $100–$50,000 per violation, up to $1.9M/year per category
TCPA
Telephone Consumer Protection Act
Since the FCC's February 2024 ruling, AI-generated voice is classified as "artificial voice" requiring Prior Express Written Consent. VectraCall's consent capture workflow is built into every campaign — and the FCC Global Revocation Rule (effective January 31, 2027) is already accounted for.
- Prior Express Written Consent capture on every lead
- FCC opt-out enforcement — immediate, all channels
- DNC list scrubbing before every campaign
- Call time restrictions enforced (8am–9pm local)
- FCC Global Revocation Rule ready (Jan 31, 2027)
- Consent records stored with audit trail
TCPA penalty: $500–$1,500 per call. Matthews v. Senior Life Insurance (July 2025) named individual agents personally.
CMS TPMO
Centers for Medicare & Medicaid Services — Third-Party Marketing Organization
Any entity marketing Medicare Advantage or Part D plans is classified as a TPMO and must deliver the CMS disclaimer within 30 seconds of call initiation. VectraCall delivers it automatically on every Medicare call — no manual configuration required.
- CMS disclaimer delivered in first 30 seconds
- Disclaimer language updated with each CMS rule change
- SOA digital consent capture (48-hr wait eliminated Oct 1, 2026)
- CMS CY2027 Final Rule compliance built in
- TPMO audit trail per call
- Carrier-specific addendum support
TPMO non-compliance: CMS can suspend or terminate Medicare plan marketing contracts.
SOA Automation
Scope of Appointment — CMS Consent Requirement
The Scope of Appointment is a CMS-required consent form before discussing specific Medicare plan options. The 48-hour waiting period was eliminated effective October 1, 2026 — same-day SOA capture is now permissible. VectraCall captures SOA digitally on every qualifying Medicare call.
- Digital SOA capture on every Medicare call
- Same-day capture now permissible (Oct 1, 2026)
- SOA stored with call recording
- Audit-ready export for carrier compliance
- SOA reminder workflows for appointment day
- Multi-carrier SOA template library
Missing SOA: agent cannot legally discuss specific plan options. E&O exposure on every call without it.
State Scripts
State-Specific Life Insurance Script Compliance
Life insurance sales are regulated at the state level. Each state has specific disclosure requirements, suitability standards, and script language requirements. VectraCall's state script library covers all 50 states — auto-loaded based on the prospect's state of residence.
- 50-state script library — all life insurance products
- State auto-detection from lead record
- Suitability pre-screen for annuity products
- State licensing verification before agent handoff
- Script library updated quarterly
- Carrier-specific addenda available
State script violations: insurance department fines, license suspension, E&O claims.
FCC Rules
Federal Communications Commission Regulations
The FCC's 2024 AI voice ruling and the Global Revocation Rule (January 31, 2027) create new compliance requirements for AI calling platforms. VectraCall is built to comply with both — opt-outs are honored immediately across all channels, and AI voice consent is captured before every campaign.
- AI voice classified as "artificial voice" — PEWC required
- Global opt-out revocation ready (Jan 31, 2027)
- One opt-out blocks all future contact — all channels
- Do-Not-Call list integration
- Call time restrictions by state timezone
- Robocall mitigation program registered
FCC violation: $500–$1,500 per call. Class action exposure for systematic non-compliance.
Compliance Checklist
What Happens on Every VectraCall Call
Before Every Campaign
- Lead list scrubbed against DNC registryAuto
- TCPA Prior Express Written Consent verified for each contactAuto
- Product line identified — correct compliance script loadedAuto
- State of residence confirmed — state script auto-selectedAuto
- Calling hours validated against local timezoneAuto
During Every Medicare Call
- CMS TPMO disclaimer delivered within first 30 secondsAuto
- SOA digital consent captured before plan discussionAuto
- Benefit gap questions follow CMS-approved scriptAuto
- Call recorded with HIPAA-compliant storageAuto
- Opt-out honored immediately if requestedAuto
During Every Life/Health Call
- State-specific disclosure language deliveredAuto
- HIPAA disclosures provided before health questionsAuto
- Suitability pre-screen for annuity productsAuto
- ACA subsidy disclosure for Marketplace callsAuto
- FCC opt-out language included in every callAuto
After Every Appointment Booking
- Double SMS confirmation sent to prospectAuto
- Consent record attached to appointment in CRMAuto
- Product notes and eligibility status sent to agentAuto
- 24-hour and 2-hour appointment reminders scheduledAuto
- Call recording stored for 6-year retentionAuto
Manual Compliance vs. VectraCall
| Compliance Risk | Manual Process | VectraCall |
|---|---|---|
| Missing CMS TPMO disclaimer | Agent must remember every call | Auto-delivered in first 30 seconds |
| SOA not captured before plan discussion | Paper form — often skipped | Digital capture on every Medicare call |
| TCPA consent not documented | Verbal only — no audit trail | Written consent stored with call record |
| Wrong state script used | Agent must know all 50 states | Auto-loaded from lead state of residence |
| Opt-out not honored immediately | Manual removal — delays possible | Immediate enforcement — all channels |
| Call not recorded for 6 years | Storage cost burden on agency | Included on every plan, zero extra cost |
Get a Free Compliance Audit of Your Current Calling Setup
Our compliance team will review your current AI or human calling process and identify every gap — HIPAA, TCPA, CMS TPMO, and state script compliance. Free for every demo booking. No obligation.