Compliance

Call, Consent & Publisher Standards

Effective October 19, 2026

ArmiCare Insurance LLC operates a controlled distribution model that may connect approved marketing sources, qualified-call providers, agency partners, and appropriately licensed insurance agents. Quality, traceability, consumer choice, and accurate source classification come before volume.

These public standards describe ArmiCare's operating expectations. They do not certify any specific call or replace a publisher agreement, campaign order, carrier requirement, or applicable federal or state law. Written campaign terms may impose stricter requirements.

How opportunities may enter the network

• Consumer-initiated inbound calls: a consumer directly dials a telephone number presented in approved advertising or other approved media.
• Meta or web inquiries: a person submits information through a Meta instant form, ArmiCare form, or approved third-party form and asks to be contacted. A later callback is outbound contact and is not relabeled as an inbound call.
• Qualified live or warm transfers: an approved publisher or qualification partner speaks with the consumer and connects the consumer to an available licensed-agent channel with the consumer's knowledge.
• Scheduled appointments and approved leads: a consumer requests or agrees to a later conversation through an authorized campaign flow.

The publisher marketplace

ArmiCare's publisher marketplace is a private business network for approved U.S. publishers, performance-marketing partners, call providers, and licensed-agent distribution. It is not an open consumer-data exchange, and applying through the publisher portal does not authorize live traffic. A current written agreement, campaign approval, source approval, qualification criteria, and routing instructions are required before delivery.

Publishers and qualification partners do not sell, recommend, or bind insurance unless the individual performing those activities is properly licensed and expressly authorized. Insurance recommendations and applications are handled by appropriately licensed agents.

Publisher and campaign controls

• Disclose every domain, advertisement, form, script, tracking number, affiliate, sub-publisher, and material traffic source used for an ArmiCare campaign.
• Use ArmiCare names, logos, offers, carriers, and campaign materials only as authorized in writing.
• Do not use misleading government affiliation, fabricated benefits, guaranteed savings, deceptive urgency, spoofed caller identification, forced calls, or undisclosed incentives.
• Do not deliver purchased lists, recycled records, rebrokered calls, or traffic from an unapproved source or affiliate.
• Pause traffic immediately when approval expires, a source materially changes, ArmiCare requests a pause, or the required evidence cannot be produced.

Consent and source evidence

Evidence must be sufficient to reconstruct the consumer journey. Depending on the campaign and communication method, ArmiCare may require the originating URL or placement, advertisement and form version, complete disclosure language, seller or caller identity, affirmative action, timestamp, submitted telephone number, campaign identifiers, IP address or equivalent technical evidence, call-detail records, tracking-number history, and relevant recordings or IVR records.

A telephone number by itself is not proof of consent. Consent must match the communication method, purpose, and parties relying on it. Publishers must not alter, manufacture, backdate, or reuse evidence outside the scope in which it was obtained.

Telephone, text, and AI-assisted communications

• Automated dialing, prerecorded or artificial-voice telemarketing, AI-generated voice communications, and marketing texts may be used only when the required consent, disclosures, identification, and opt-out mechanisms are in place.
• Live and automated outreach must observe applicable federal and state calling-hour limits and transmit accurate caller-identification information where required.
• Calling campaigns must apply applicable National Do Not Call, state Do Not Call, ArmiCare-specific Do Not Call, revocation, reassigned-number, and other suppression controls.
• Reasonable revocation, Do Not Call, and text-message STOP requests must be captured and honored promptly and within the time required by applicable law.
• No campaign may interfere with, condition, or discourage a person's right to decline contact or request no further contact.

Call recording and quality review

Calls may be monitored, recorded, transcribed, or reviewed for routing, quality assurance, training, fraud prevention, dispute resolution, and compliance when appropriate notice and any required consent have been provided. Recording and monitoring must follow the law applicable to the people and locations involved in the call.

Licensed-agent and consumer protections

• Qualification is not insurance advice and does not establish eligibility, coverage, price, carrier approval, or policy issuance.
• Calls are routed according to supported states, campaign criteria, licensing, availability, and operational capacity.
• Licensed agents must identify themselves and the represented organization as required, provide accurate product information, and follow applicable carrier and insurance requirements.
• A consumer may decline to continue, request no further contact, or end a call at any time.

Meta and social-platform inquiries

A Meta lead-form submission or similar social-platform action is treated as the inquiry shown by the applicable form and disclosure. It is not automatically treated as unlimited permission for every seller, channel, or future campaign. The platform may also process information under its own terms and privacy policy. ArmiCare's use after receipt is governed by the applicable ArmiCare privacy notice and the disclosure presented to the person.

Records, audits, and enforcement

ArmiCare and its partners must retain the campaign, consent, call, suppression, personnel, and service-provider records required by applicable law and written agreements. Where the FTC Telemarketing Sales Rule applies, covered telemarketing records are retained for at least five years. ArmiCare may request evidence, review calls and creatives, conduct quality checks, reject traffic, suspend routing, withhold disputed items as permitted by contract, or terminate a source that fails applicable requirements.

Your communication choices

To request that ArmiCare stop marketing calls, email info@armicareinsurance.com or call (772) 242-0190. Include the telephone number involved so the request can be applied accurately. Reply STOP to an ArmiCare marketing text to opt out of texts from that sender. A confirmation message may be sent where permitted.

Questions or compliance concerns