Buying insurance calls in Indiana

Indiana looks like a single-time-zone state on a map but is not: 12 of its 92 counties, clustered near Chicago and near the Kentucky border, run an hour behind the rest of the state.

Licensing and the Indiana Department of Insurance

Insurance in Indiana is regulated by the Indiana Department of Insurance (IDOI), at in.gov/idoi, whose commissioner is appointed by the governor. IDOI licenses resident and non-resident producers and handles consumer protection and market conduct from its Indianapolis office. Any agent taking Callmart calls into Indiana needs the resident or non-resident license their product requires.

The calling clock in Indiana

Indiana observes Eastern time in 80 of its 92 counties, including Indianapolis, Fort Wayne, South Bend and Bloomington. Twelve counties are on Central time instead: six in the northwest near Chicago, including Lake and Porter counties, and six in the southwest near the Illinois and Kentucky border, including Vanderburgh County around Evansville. All 92 counties observe daylight saving time, a uniform statewide rule adopted in 2006.

Recording calls with Indiana consumers

Indiana is a one-party consent state for phone calls under Indiana Code Section 35-33.5-5-5; a participant to the call can consent on their own behalf. Indiana's statute is specific to telephone conversations and does not clearly extend to in-person conversations the same way. If a call reaches a party in a stricter all-party consent state, the conservative approach is to follow that state's rule for that leg of the call.

This page is general information, not legal advice. Confirm recording consent, telemarketing timing and licensing requirements with your own counsel and with the Indiana Department of Insurance.

Buying calls into Indianapolis, Fort Wayne and Evansville

Indiana uses the federally facilitated marketplace at HealthCare.gov for ACA coverage rather than running its own exchange, so ACA questions route through the federal platform. Callmart runs national campaigns across Health Insurance, Life Insurance and Final Expense, including Final Expense CTV and Medicare Advantage; an approved Indiana buyer's workspace shows the specific campaigns and buffers available to them, whichever time zone their lead source is actually calling from.

Staffing around Indiana's two time zones

A team that mostly works Eastern-time Indianapolis or Fort Wayne leads can miss that a smaller pocket of Central-time counties near Evansville or Chicago is on the same campaign, so the daily call limit and availability toggle are worth setting per-campaign rather than assuming one shift schedule covers the whole state. Owners can assign the finance and reporting roles separately from agents taking calls, and per-member daily spending allowances keep the split-zone schedule from creating a budgeting blind spot.

Recorded calls are available for review, and any call that did not match its campaign, including one billed against the wrong buffer, can be submitted as a dispute.

South Bend and Fishers round out Indiana's larger population centers beyond Indianapolis, Fort Wayne and Evansville, and all of them fall under the same statewide campaigns rather than requiring a separate setup per city. Fishers sits within the Indianapolis metro area and stays on Eastern time along with the rest of central Indiana, while South Bend, in the state's north, is Eastern time as well despite sitting close to the Michigan and Illinois borders.

Common questions