Essential Facts

• Insurance companies and their advisers are subject to the federal telemarketing rules.
• No person or entity may place a telephone solicitation to a residential telephone number (or cell phone) that has been added to the federal do-not-call registry.
• No person or entity may place a telephone solicitation to a residential telephone number before 8:00 a.m. or after 9:00 p.m.
• A referral from an existing customer or client is not an exclusion or exception from the telemarketing rules.
• The rules provide a safe harbor that requires that you establish practices and procedures for compliance with the rule. Ohio National expects you to satisfy the safe harbor requirements.
• The penalties for violating the rule are significant. Fines range from $500 for a negligent violation, to a maximum penalty of $11,000. A consumer may file a lawsuit for damages.

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