How We Handle Consent to Call and Text You

Licensing & Compliance · InsureToday24 (BNW Services LLC), a licensed independent agency across MO, KS, NE, TN, OK, AR & CO.

# How We Handle Consent to Call and Text You

Because our AI receptionist Lucy answers by phone and text, it's fair to ask how BNW Services LLC (dba InsureToday24) handles your phone number and your consent to be contacted. We take this seriously — both because it's the law and because nobody likes being pestered. This page explains, in plain language, how contact consent works, what you're agreeing to when you reach out, and how to change your preferences any time.

The Rules Behind Calls and Texts

Consumer contact by phone and text is governed at the federal level, primarily by the Telephone Consumer Protection Act (TCPA), with additional consumer-protection oversight from the Federal Communications Commission (FCC) and the Federal Trade Commission (FTC). The core idea is simple: businesses generally need your permission to contact you with marketing calls or texts, especially automated ones, and they must honor your request to stop.

There's also the national Do Not Call Registry, maintained by the FTC, which limits unsolicited telemarketing. None of this blocks the everyday communication you actually want — like a callback about a quote you asked for — but it does put you in control.

When You Contact Us First

When *you* call, text, or submit a request at insuretoday24.com, you're inviting us to respond. That's the normal, expected way we work: you ask for a quote or help, and we follow up about it. Lucy, our AI receptionist at (573) 594-5148, may confirm details, answer questions, and route you to a licensed agent. We use your number to help *you* — with the specific insurance matter you raised — not to spam you.

If you'd rather we reach you a certain way — call instead of text, or a specific time of day — just tell Lucy or your agent, and we'll note it.

Automated and AI-Assisted Contact

Lucy is an AI receptionist, so it's only right that we're upfront about it. When you interact with Lucy, you're talking to an automated assistant, not a licensed human — and she'll make that clear. Anything that affects your actual coverage is reviewed and handled by a licensed BNW agent. We explain exactly where that handoff happens in How We Use AI and Keep a Licensed Human in the Loop.

We use automated contact to be *helpful and responsive* — a quick text confirmation, a callback about your request — not to blast marketing at you.

Your Right to Opt Out — Any Time

You are always in the driver's seat:

Opting out of marketing-style messages won't cut off essential service communication tied to a policy you hold — like a notice about your coverage — but it does stop the promotional stuff. This mirrors the broader privacy commitments we describe in How We Protect Your Personal Information.

We Don't Sell Your Number

Your phone number is not a product we sell. We use it to serve your insurance needs and share it only as needed to place and service your coverage (for example, with a carrier), or when the law requires. We don't hand your contact info to unrelated marketers or data brokers.

A Few Smart Habits on Your End

The Bottom Line

We contact you to help with what you asked for, we're honest that Lucy is an AI assistant, and we stop the moment you tell us to. That's how contact consent should work. Questions about your preferences? Call or text (573) 594-5148, or reach us at insuretoday24.com.

References

Related

Watch

← All insurance guides   Get my quote →

Get my quote →