Agent Agreement

You are buying life insurance leads: the contact details and stated interest of a person who requested life insurance coverage.

Each lead is sold to one agent, you, and never resold. We do not sell the same lead to another agent.

If you buy through an agency account, the lead is sold to the agency and delivered to one agent on its roster, as section 7 describes. Everything this agreement says about “you” then binds the agency owner and that agent alike.

You are an independent licensed insurance producer. You are not our employee, agent, partner, or representative, and you may not hold yourself out as one. You decide how you run your business, which carriers you represent, and what you say to a consumer.

By buying a lead you represent that:

1. You hold a current insurance producer license in every State you have selected, and you will tell us immediately if that stops being true.
2. You will contact consumers in compliance with the Telephone Consumer Protection Act, State calling and do-not-call rules, and State insurance rules on how policies are sold.
3. You will call only within lawful calling hours for the consumer's timezone.
4. You will stop contacting a consumer who asks you to stop, and mark the lead Do Not Contact.
5. You will not resell, share, trade, or transfer a lead outside your WRITTEN account or, for an agency lead, outside your agency's roster.
6. You will protect consumer information you receive, use it only to offer insurance to that person, and not use it for any other product, campaign, or list.
7. Everything you tell a consumer about a policy, a carrier, or a price will be accurate.

1. Each lead is exclusive to you, or to your agency for an agency lead, and is not resold.
2. Each lead has been screened as described on our How It Works page.
3. The answers on a lead are what the consumer gave on the form. We do not verify them, veteran status included.
4. Each lead arrived with a consent record, which we keep and can produce.
5. We will replace a lead that does not match what we sold, under the Replacement Policy.

We do not promise a sale, a contact rate, a conversion rate, a return on your spend, or that any particular lead will answer.

We do not promise that a consumer still wants coverage when you call, or that they will qualify for a policy.

The consumer consented to be contacted at the lead source. We keep the exact wording they were shown, the moment they agreed, and a copy of the advertisement and the form as they stood on that day. We will give you that record if you need it.

We do not hold the consumer’s IP address or browser. Meta does not pass either one on for a lead submitted inside Facebook or Instagram, and we would rather tell you that now than have you discover it in a dispute. If we ever collect a request on our own website, we would hold both, and this paragraph would say so.

That record is evidence, not a defense. You are the one placing the call. You are responsible for whether your call is lawful, including scrubbing against do-not-call lists where required, honoring revocations, and calling within permitted hours.

If a consumer tells you they did not submit a request, stop calling, mark the lead Do Not Contact, and tell us at support@writtenleads.com.

Lists you bring. You can import your own leads into WRITTEN, from a file or through a Lead Link. We did not collect them and we hold no consent record for them. Before every import, and when you set up a Lead Link for every lead it brings in, you confirm that you have consent to call and text every number. For those numbers you alone are responsible for that consent, for checking them against the National and State Do Not Call lists, for calling and texting them within lawful hours, and for every call and text you send them. We record your confirmation on each lead the import creates, with the time and the words you agreed to. We may stop any number from being dialed through WRITTEN, and we may suspend imports and Lead Links, at any time. This paragraph applies to you whenever you import, whether or not you have bought a lead.

Texting. Texting runs under Written Leads LLC’s registration with the phone network. Your texts go from your number on behalf of Written Leads. WRITTEN never texts a lead for you: every text is one you send or schedule, apart from the confirmation WRITTEN sends when you record a yes and the automatic answers to STOP, START, and HELP. You may text a person only after they agree to it with you: they told you on a call that you can text them and you recorded it in WRITTEN, or they texted your number first. The text templates WRITTEN gives you are a starting point, and what you send is yours. You are responsible for every text you send or schedule, for having consent to text each person, for honoring STOP and any other request to stop, and for texting only within lawful hours. We may switch texting off for your account at any time.

Call Recording. If you turn on Call Recording, your calls with leads through WRITTEN may be recorded. Where State law requires everyone on a call to agree, as in California, Florida, and Pennsylvania, or where your State or the lead’s is not known, WRITTEN announces the recording: the lead hears “This call may be recorded for quality purposes.” as the recording starts. You must not talk over, cut off, or get around the announcement, and you must keep the State you call from correct in your settings. You are responsible for the recordings you make. Recordings and transcripts are deleted after 90 days.

Consumer information you receive is sold to you for one purpose: offering insurance to that person.

You will keep it secure, keep it only as long as you need it, and delete it if we tell you the consumer has asked for deletion.

You will not add a WRITTEN lead to any marketing list, share it with anyone outside your WRITTEN account, or use it for any product other than insurance you are licensed to sell. You may send your WRITTEN leads to a CRM of your own, including through Send To Your CRM, as long as nobody outside your WRITTEN account can work them there.

Agency accounts. An agency owner may buy leads for the agency, and a team leader who holds their own Agency plan may buy leads for their own team. Each agency lead is delivered to one agent on the agency's roster whom the owner has chosen to receive leads and who has told us they are licensed in the lead's State. The owner may see every agency lead, may move one to another agent on the roster who is licensed in that State, and may hold one in the agency's Lead Pond until it is handed out again. A team leader may do the same with the agency leads of their own team. The owner may also move unused agency leads between their own and a team leader's. An agent may see only the agency leads delivered or moved to them, and a team leader may also see those of the agents the owner has placed under them.

An agency lead belongs to the agency. An agent who leaves the agency or is removed from it keeps no right to any agency lead, must stop contacting those consumers on the agency's behalf, and must delete any copy of an agency lead held outside WRITTEN. Leads an agent buys or imports in their own account stay theirs, and the agency is never shown who those consumers are. By joining an agency, an agent agrees that the owner, and any team leader above them, may see their activity figures on every lead they work while on the roster, their own leads included: calls, contacts, appointments, sales, and annual premium.

The agency owner is responsible for every agent on the roster as if each were the owner: for their licensing, for every call they place, and for what they do with agency leads. Each agent remains personally responsible for their own licensing, calls, and conduct, and is bound by this agreement for every agency lead they receive.

Anyone who covers another agent's CRM or CRM + Dialer is responsible for every charge on it, phone usage included, whatever the agent does with it. The agent remains responsible for every call they place and every list they bring. Records the agent creates while covered are the agent's, and agency leads among them stay agency leads.

Before an agency lead is contacted, the agent calling and the agency owner are each responsible for confirming that the consumer's consent covers contact by that agent. WRITTEN makes no promise that a consent covers any agent other than the one the lead was first delivered to.

An agency owner, or a team leader for their own team, may import leads into the agency, from a file or through a Lead Link. For every lead imported, they make the promises this agreement asks of anyone who brings their own list, and also promise that the consumer's consent covers contact by every agent the lead is shared with. An imported lead is an agency lead. WRITTEN checks nothing about where imported leads came from, and whoever imported them, the agency owner, and the agent who calls are each responsible for them.

Quick Quote is software and a conversation guide. It records what a client tells you to get a quote, saves it to their lead, and shows prices. It does not decide eligibility, benefits, or premiums, and it does not diagnose anything. The carrier decides, on its own current application.

You are responsible for recording a client's answers accurately, for checking them against the carrier's application, for what you tell the client, and for your licensing.

Keep health answers in Quick Quote and nowhere else in WRITTEN: not in notes, Support messages, or screenshots. Use them only to help that client with insurance, never for marketing. Any copy you download or export is yours to protect and delete; we can't erase a file you already have.

A client's health answers are seen only by the agent who holds the lead. An agency owner, a team leader, anyone who covers your plan, and WRITTEN staff do not see them, and an owner's responsibility for their team gives no access to them. When a lead leaves you, or you close your account, its health answers are cleared.

We may close your account immediately and without refund if you resell leads, contact consumers unlawfully, misrepresent your licensing, or use consumer information outside the permitted purpose.

You will indemnify and hold WRITTEN harmless against any claim, demand, penalty, fine, judgment, or cost, including reasonable legal fees, arising from:

• how you contacted a consumer, including any claim under the Telephone Consumer Protection Act or a State calling law
• any number you imported into WRITTEN, and any call you placed to it
• anything you told a consumer about a policy, carrier, or price
• your licensing, or the absence of it
• your use, storage, or disclosure of consumer information
• how you asked for, recorded, or used a client's health answers
• your breach of this agreement
• if you own an agency account, anything an agent on your roster does or fails to do, including with an agency lead

This survives the end of this agreement.

WRITTEN's total liability under this agreement for any lead is limited to the price you paid for that lead.

We are not liable for lost commissions, lost sales, or any indirect loss.

This agreement applies to every lead you buy while it is in force.

We may issue a new version. A new version applies to leads you buy after you accept it, and does not change the terms of leads you already bought. The version recorded against each order is the version that governs it.

Sections 13 and 14 of the Terms Of Service, on arbitration and governing law, apply to this agreement too.