Migration Concierge
Compliance · Insurance lead-gen

State-by-state insurance lead-generation framework

Migration Concierge LLC operates strictly as a lead generator, not a licensed insurance producer. The discovery chat does not provide insurance pricing, recommend specific carriers, or solicit insurance contracts. Full operational doc: compliance/insurance_lead_gen.md.

Boundary of activity

  • We collect intake information and route qualified leads to a state-licensed producer who handles all producer-licensed activities.
  • We do not quote, bind, or solicit. We surface market context (availability index, recent carrier withdrawals, residual pool status) sourced from public state DOI + NAIC filings.
  • We do not contact carriers on behalf of users.

Operational gates per state partner

  • Partner producer state license verification (NPN confirmation).
  • At least 3 admitted carrier appointments in the destination state.
  • Written referral / lead-supply agreement.
  • TCPA-compliant consent capture (prior express written consent before any outbound contact).
  • GLBA privacy-notice posture confirmation.
  • Suppression / opt-out list infrastructure.

TCPA

Prior express written consent collected before any partner-side outbound telephone or SMS contact. Consent is captured at the point of routing in the discovery chat. Records retained 7 years.

GLBA

Privacy notice provided at every intake. Non-public personal information shared with insurance partners only after explicit consent. Partner's safeguards rule posture verified before activation.

State-by-state notes (top corridors)

  • Florida. Lead-gen permitted under FL OIR rules with required disclosures. Partner producer must hold an active FL 2-20 license. We do not solicit Citizens Property Insurance Corporation policies directly; we route to admitted-market alternatives.
  • California. Lead-gen permitted; CA DOI requires disclosure of compensation. Partner producer must hold an active CA Property Broker-Agent or LSP-FB license depending on activity. We do not solicit FAIR Plan policies; we route to admitted alternatives.
  • Tennessee, Texas, Idaho, North Carolina, Arizona. Lead-gen permitted; partner producer must hold an active state P&C license. State-specific disclosure language pre-reviewed by counsel before partner activation.

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