Everything Agents Need to Know About 10DLC & TCPA Compliance in 2026

The insurance industry changes fast, and compliance remains a top concern for agents. Two rules, 10DLC and TCPA, control how agents can send messages to prospects. Ignoring them can lead to fines and blocked campaigns. Understanding these rules is essential. For many agents, following them while running sales campaigns can feel tricky. However, tools like Insurance CRM can help agents manage compliance while still reaching leads effectively.

This blog will explain 10DLC and TCPA compliance, why they matter, and how agents can follow the rules in 2026. We will also share examples and tips, including using AI platforms like Solisa AI to handle compliance without slowing down sales.

What is 10DLC?

10DLC stands for 10-digit long code. It is a type of number for business text messages in the U.S. Before 10DLC, agents often used shared short codes or personal numbers for bulk messages. This caused spam complaints, poor delivery, and legal problems.

10DLC lets carriers verify businesses, track campaigns, and ensure messages meet standards. Every campaign must register, and the content must follow rules. For agents, this means bulk messaging needs careful planning. Sending messages without registering can block campaigns or lead to fines.

For instance, an agent who sends 500 messages in one day to unregistered numbers might get all messages blocked and pay penalties. Using a platform like Solisa AI, agents can register numbers, schedule messages, and track delivery automatically. This ensures messages reach prospects without breaking rules.

Understanding TCPA Compliance

The Telephone Consumer Protection Act (TCPA) is a U.S. law that protects people from unwanted calls and messages. It requires businesses to get consent before sending messages, provide an easy way to opt out, and keep records of all communications.

Breaking TCPA rules can cost a lot. Fines range from $500 to $1,500 per violation. TCPA applies to all messages, whether sending offers or following up on leads.

Imagine an agent uses an old lead list and sends messages without checking consent. A single complaint could cost thousands, and their number could get blacklisted. AI tools like Solisa AI can automatically verify opt-ins, manage opt-outs, and log communications. This reduces risks and keeps campaigns safe.

Why Compliance Matters for Agents

1. Avoid fines – Ignoring rules can result in high penalties.

2. Protect your reputation – Consumers dislike spam. Non-compliant messages can hurt trust.

3. Ensure delivery – Carriers block messages from unregistered numbers.

4. Save time – Compliance tools handle registration, consent tracking, and logs, letting agents focus on sales.

A real example: An agent used a standard CRM but had trouble tracking opt-ins. After switching to a tool with AI Insurance, consent checks happened automatically. Messages reached prospects, responses increased, and fines were avoided.

Integrating Compliance Into Daily Work

Agents often ask how to follow rules without slowing down sales. The answer is to integrate compliance into daily workflows. Here are practical steps:

1. Use registered 10DLC numbers – Tools like Solisa AI send messages from verified numbers.

2. Track consent automatically – Keep a clear record of each lead’s opt-in status.

3. Schedule messages – Send messages at the best times to improve responses.

4. Monitor responses and opt-outs – AI removes opted-out contacts and keeps records updated.

Following these steps lets agents stay compliant while keeping sales moving. Platforms like HubSpot or Zoho also help manage opt-ins, but AI solutions like Solisa AI reduce manual work even more.

Choosing the Right Platform

Choosing the right tool makes compliance easier. Look for platforms that:

• Automate compliance – Handle 10DLC registration, TCPA checks, and logs.

• Integrate with leads – Tie compliance into your sales process.

• Provide clear dashboards – Easy-to-use interfaces save time.

• Give full records – Keep all consent and messaging logs for audits.

Agents using old CRMs often struggle to manage compliance while sending messages. AI platforms like Solisa AI help manage leads, send messages, and follow rules all in one place. This reduces mistakes and lets agents focus on talking to prospects.

Real-Life Example: Compliance Improves Sales

Consider Lisa, an agent with many leads. Without tools, she spent hours checking opt-ins and risked fines. After using Solisa AI, messages were verified, scheduled, and logged automatically. Her outreach doubled, lead engagement improved, and fines were avoided.

Another agent, Mark, used an old CRM for messaging. He accidentally sent texts to leads who opted out and faced complaints. After switching to an AI-powered Insurance Sales Tools platform, consent checks and follow-ups became automatic. His campaigns stayed compliant, and leads responded better.

These stories show how integrating compliance into daily work improves both efficiency and legal safety.

Key Takeaways for Agents

1. Compliance is mandatory – Following 10DLC and TCPA rules prevents fines and blocked messages.

2. Automation helps – AI-powered tools reduce manual work and mistakes.

3. Track everything – Log opt-ins, opt-outs, and message history.

4. Combine with CRM workflows – Platforms like Solisa AI, HubSpot, or Zoho help manage compliance while nurturing leads.

Using AI and automation does more than prevent fines. It saves time and improves lead engagement, helping agents grow their business.

Compliance Drives Success

In 2026, 10DLC and TCPA compliance are critical for insurance agents. Following these rules ensures messages reach prospects, protects reputation, and avoids fines. Platforms like Solisa AI let agents handle compliance, automate opt-ins, and maintain accurate records.

Combining compliance with AI-powered lead management helps agents focus on closing sales instead of tracking rules. Whether using Solisa AI or other platforms, adopting tools that follow AI Insurance sales best practices allows agents to grow safely and efficiently. Compliance and automation together create a more productive and secure sales process.