January 2026 Restricted Call Dates for Insurance Agencies

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January 2026 Restricted Call Dates: What Insurance Agencies and Brokers Need to Know

For insurance agencies and brokers, outbound calling remains a critical channel for lead follow-up, policy reviews, renewals, and cross-sell opportunities. But as 2026 begins, it’s important to remember that not all days are equal when it comes to compliance.

Several U.S. states enforce holiday-based restricted call dates, and failing to account for them can put agencies at risk of regulatory complaints, fines, and reputational damage. Below is what insurance professionals need to know about January 2026 restricted calling dates — and how to manage them effectively.

January 2026 Restricted Calling Dates (U.S. Only)

January 1 — New Year’s Day

Insurance-related outbound calls are restricted or prohibited in the following states:

  • Alabama

  • Louisiana

  • Nebraska*

  • Pennsylvania

  • Rhode Island

  • Utah

*Nebraska does not impose a full prohibition, but restricts prerecorded messages to limited hours, with certain exceptions.

January 2 — New Year’s Holiday Observed

  • Louisiana continues its New Year’s calling restrictions on January 2, making outbound insurance calls noncompliant on this date as well.

January 19 — Martin Luther King Jr. Day

The following states enforce restricted calling rules on MLK Day:

  • Alabama

  • Louisiana

  • Nebraska*

  • Pennsylvania

  • Rhode Island

  • Utah

Why These Dates Matter for Insurance Agencies

Insurance agencies often operate with:

  • Distributed sales teams

  • High-volume outbound dialing

  • Multiple lead sources

  • Tight response-time SLAs

That combination increases risk when state-level holiday rules aren’t automatically enforced. Even a well-intentioned agent calling a warm lead on a restricted date can trigger consumer complaints or regulatory scrutiny.

It’s also important to remember that state holiday restrictions apply in addition to:

  • The National Do Not Call Registry

  • State DNC lists

  • Consent and revocation rules

  • Time-of-day calling limits

How TLD Helps Insurance Agencies Stay Compliant

Managing these restrictions manually is difficult — especially at scale. That’s where TLD (Total Lead Domination) comes in.

TLD helps insurance agencies and brokers:

  • Manage outbound calling campaigns with state-specific controls

  • Automatically suppress calls on restricted dates and holidays

  • Segment leads by geography to apply the correct rules

  • Protect agents from accidental violations caused by manual dialing

  • Maintain clean compliance records across multiple campaigns and lead sources

Instead of relying on spreadsheets or tribal knowledge, agencies can rely on system-driven safeguards that work in the background — letting producers focus on selling, not compliance.

Start 2026 with Smarter Calling Practices

Holiday calling restrictions are easy to overlook, but regulators don’t overlook them — and neither do consumers. For insurance agencies, respecting these rules isn’t just about avoiding fines; it’s about building trust and protecting long-term growth.

With the right systems in place, staying compliant doesn’t have to slow your team down.

TLD is here to help insurance agencies and brokers run smarter outbound campaigns while ensuring call compliance every step of the way.