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With the new dialer laws starting in less than a month, for those that heavily depend on dialer leads for final expense what will you ...


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Old 08-04-2009, 08:01 PM   #1
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With the new dialer laws starting in less than a month, for those that heavily depend on dialer leads for final expense what will you do? More mailers, personally cold call from a list?...
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Old 08-04-2009, 08:06 PM   #2
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Originally Posted by magagent View Post
With the new dialer laws starting in less than a month, for those that heavily depend on dialer leads for final expense what will you do? More mailers, personally cold call from a list?...

A little birdie told me there are a few loopholes in the new law. Can't verify what I've heard though. A good attorney should be able to point these out. I've not talked with an attorney myself.
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Old 08-05-2009, 12:37 PM   #3
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Originally Posted by theinsuranceman View Post
A little birdie told me there are a few loopholes in the new law. Can't verify what I've heard though. A good attorney should be able to point these out. I've not talked with an attorney myself.
If you are going to broadcast residences with no upfront human intervention and you DON'T have the consumers permission to call - it would be wise to have your attorney's phone number in your speed dial.

The statues are pretty simple and spelled out.

Good luck,

Tom
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Old 08-05-2009, 01:41 PM   #4
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Originally Posted by myinsurebiz View Post
If you are going to broadcast residences with no upfront human intervention and you DON'T have the consumers permission to call - it would be wise to have your attorney's phone number in your speed dial.

The statues are pretty simple and spelled out.

Good luck,

Tom
Tom you may be correct. Do you have anything in writing that supports your statement?
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Old 08-05-2009, 02:49 PM   #5
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Originally Posted by theinsuranceman View Post
Tom you may be correct. Do you have anything in writing that supports your statement?
Greg,

Look at the attached url:

FTC Issues Final Telemarketing Sales Rule Amendments Regarding Prerecorded Calls

Tom
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Old 08-05-2009, 04:27 PM   #6
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Originally Posted by myinsurebiz View Post
Could you not say the consumer has given permission to be called since they did not register their number on the DNC?
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Old 08-05-2009, 07:08 PM   #7
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Originally Posted by theinsuranceman View Post
Could you not say the consumer has given permission to be called since they did not register their number on the DNC?
The fines are going to be stupidly high.

They told us at the meeting on this in DC back last Fall that they were going to make an example out of 2 or 3 companies in each state to show their desire in people following the rules.

$5k per violation. One unauthorized call = one violation.

I imagine those caught will go bankrupt.

Tom
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Old 08-05-2009, 10:42 PM   #8
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You will still be able to use a dialer if it is live transfer right or with a human on the line.
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Old 08-05-2009, 10:50 PM   #9
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Let's look at this. Compare this thought....

Originally Posted by theinsuranceman View Post
Could you not say the consumer has given permission to be called since they did not register their number on the DNC?
to what the text of the rule says:

Expressly prohibit telemarketing sales calls that deliver prerecorded messages, whether answered in person by a consumer or by an answering machine or voicemail service, unless the seller has previously obtained the recipient's signed, written agreement to receive such calls;
I think the term expressly will require some explanation. Lets visit dictionary.com:

Expressly: in an express manner; explicitly: I asked him expressly to stop talking.
I'll leave it to you to figure out what the written agreement part means. Of course, you can get them signed 'electronically', that is expressly permitted.

Please note: these rules pertain to telemarketing calls, not to your doctor leaving a message to remind you that you have an appointment tomorrow, or the school leaving a message that your child wasn't in class today. Those are still allowed, even though they might be annoying as well.

I will say, this is change I can believe in. I've never really liked the robo-call stuff for telemarketing. Appointment reminders, I'm okay with.

Dan
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Old 08-08-2009, 06:48 PM   #10
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Originally Posted by JustinUpright View Post
You will still be able to use a dialer if it is live transfer right or with a human on the line.
So long as it's a live transfer as in "as soon as someone picks up the phone, they're transferred" and not "when they answer, they get a recorded 'PRESS ONE FOR INSURANCE!' message" then I think you're right.
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Old 08-09-2009, 01:02 PM   #11
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Originally Posted by JustinUpright View Post
You will still be able to use a dialer if it is live transfer right or with a human on the line.
Only if a human is on the other end from the very first onset of the call. You have to have a human say something like - Hi - this is . . .

Come 9/1 - voice broadcasting only to those that have opted in.

Otherwise - predicitve dialer only.

Originally Posted by souldeux View Post
So long as it's a live transfer as in "as soon as someone picks up the phone, they're transferred" and not "when they answer, they get a recorded 'PRESS ONE FOR INSURANCE!' message" then I think you're right.
Nope - wrong.

Human on the call from onset.

Unless your list has opted in to receive the spam, 'er call . . .

Tom
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Old 08-09-2009, 01:13 PM   #12
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This may be the first time, but Tom is completely correct. I have already stopped using transfers.

In the next 3 weeks you'll see a bunch of calls as companies rush to screw (I mean offer great products to) people.

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Old 08-09-2009, 01:42 PM   #13
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Originally Posted by myinsurebiz View Post
Only if a human is on the other end from the very first onset of the call. You have to have a human say something like - Hi - this is . . .

Come 9/1 - voice broadcasting only to those that have opted in.

Otherwise - predicitve dialer only.



Nope - wrong.

Human on the call from onset.

Unless your list has opted in to receive the spam, 'er call . . .

Tom
I was thinking of the three-line autodialers that dial three numbers at once, then shut two lines off and pop one on when someone picks up. Is that not okay?
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Old 08-09-2009, 03:11 PM   #14
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Originally Posted by souldeux View Post
I was thinking of the three-line autodialers that dial three numbers at once, then shut two lines off and pop one on when someone picks up. Is that not okay?
That's basically correct subject to a limit on dropped calls.

Rick
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Old 08-10-2009, 11:31 AM   #15
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Those are still OK as long as you have a live person doing your pitch and not a message. Most hosted dialer companies will limit you to 3 lines to avoid going over 3% dropped (or abandoned) calls.

There are tons of hosted out bound predictive dialer companies for you to choose from. Most of them package their product a little differently. If you want to check out a video demo of my system (which has NO contracts and NO long distance charges) you can do so here.....

Hosted Predictive Dialer | VoIP Call Center Solution

We also provide GREAT pricing on targeted data if you are on our dialer!

There are other companies such as five9, mojo, safe soft, mortgage dialer, and a few others if you want to check out my competition.

If you have any questions about hosted dialer please fire away!

Originally Posted by souldeux View Post
I was thinking of the three-line autodialers that dial three numbers at once, then shut two lines off and pop one on when someone picks up. Is that not okay?

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Old 08-10-2009, 05:34 PM   #16
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Dialer schmialer - there is no substitute for a live operator making your followup calls for you OR dialing through your prospect list for you. Seriously, no one likes speaking to a michine. I'd imagine the time, effort, and money spent on the PBX outbound dialers would be better spent doing the work yourself. Automation isnt always the best way!

If you are timid (or hate outbound calls), try an answering service / call center to make the calls for you. We've used a company in the past called specialty answering service for outbound telemarketing.
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Old 08-11-2009, 01:22 PM   #17
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Originally Posted by VacantHomeIns View Post
Dialer schmialer - there is no substitute for a live operator making your followup calls for you OR dialing through your prospect list for you. Seriously, no one likes speaking to a michine. I'd imagine the time, effort, and money spent on the PBX outbound dialers would be better spent doing the work yourself. Automation isnt always the best way!

If you are timid (or hate outbound calls), try an answering service / call center to make the calls for you. We've used a company in the past called specialty answering service for outbound telemarketing.
I have proven beyond any doubt whatsoever, that a dialer is far more effective than a human. I never see the people who dial by hands at any of the Conventions as qualifiers for companies like Anthem Blue Cross or Assurant Health, Unicare or Medical Mutual. I normally see people who are using State of the art technology, like Ehealth or Benefit Mall.
- - - - - - - - - - - - - - - - - -
Originally Posted by JustinUpright View Post
You will still be able to use a dialer if it is live transfer right or with a human on the line.
You will have to use a high speed dialer as opposed to a predictive dialer.

Last edited by bcbroker : 08-11-2009 at 01:24 PM. Reason: Posts merged
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Old 08-11-2009, 02:01 PM   #18
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Originally Posted by bcbroker View Post
You will have to use a high speed dialer as opposed to a predictive dialer.
Just what is a high speed dialer? After 9/1 we can no longer use voice broadcasting into a residence. A predictive dialer simply maximizes our ability to call numbers. Never heard of a high speed dialer.

Rick
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Old 08-11-2009, 02:09 PM   #19
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I saw Jarod's company going to mailers for med supps and FE and pre recorded voice blasting to small biz for health
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Old 08-18-2009, 11:44 AM   #20
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Originally Posted by emptyeternity View Post
I saw Jarod's company going to mailers for med supps and FE and pre recorded voice blasting to small biz for health

We stopped all voice broadcast campaigns targeting consumers a few months back. Targeting B2B is still 100% legal and cost effective for generating Health leads.

We developed a new voice broadcast platform that allowed us to change our price structure. Rates are as low as 1.8 cents/min with 6 sec billing increments.

Our direct mail campaigns use variable data printing. VDP allows us to personalize each postcard with your prospect's full name and has high-gloss coating on both sides. Every account receives a free extension from RingCentral with unlimited minutes.

Choose Insurance Type Enter Zip Code


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