The Ultimate Guide to A2P 10DLC Compliance for Insurance Agents: How to Get Approved & Stay Compliant

If you're an insurance agent using CRM automation and text message marketing to engage leads and clients, you've probably heard about the A2P 10DLC (Application-to-Person 10-Digit Long Code) compliance changes. This new regulation impacts how businesses send SMS campaigns, and failure to comply could mean blocked messages, higher fees, and lower deliverability rates.

But don’t worry—this guide will walk you through:
✅ What A2P 10DLC is and why it matters
✅ How to get your SMS campaigns approved
✅ Best practices for compliance and higher message delivery rates

If you rely on texting as part of your insurance CRM, follow these steps to ensure your messages reach prospects and clients without disruption.

What Is A2P 10DLC & Why Does It Matter?

A2P 10DLC (Application-to-Person 10-Digit Long Code) is a system implemented by mobile carriers to regulate business text messaging. It was introduced to cut down on spam, increase SMS security, and improve text message deliverability for legitimate businesses.

As an insurance agent, your CRM or insurance management system likely allows you to automate text messages for:
📌 Appointment reminders
📌 Lead follow-ups
📌 Renewal notifications
📌 Policy updates
📌 Win-back campaigns for past clients

However, without proper registration, your messages could be:
🚫 Blocked or flagged as spam
🚫 Subject to higher carrier fees
🚫 Delayed in delivery, reducing response rates

This is why it's critical for agents to register their business and SMS campaigns under the A2P 10DLC framework.

Step-by-Step: How to Get Your A2P 10DLC Registration Approved

Step 1: Register Your Business & Brand

Before sending A2P text messages through your CRM or insurance management system, you must verify your business identity with The Campaign Registry (TCR), which oversees compliance.

📌 What you need to register:

• Your legal business name (must match IRS records)

• EIN (Employer Identification Number) or Tax ID

• A professional business website (or a verifiable social media page)

• Accurate business contact details

💡 Pro Tip: Your business name must match your official IRS registration exactly—even small discrepancies can delay approval.

Step 2: Register Your A2P SMS Campaigns

After your business is verified, you must register the purpose of your text messages. This means providing details about your campaigns to mobile carriers.

📌 What you need for campaign approval:

• A clear description of your texting purpose (e.g., "Sending appointment reminders and policy updates to existing clients.")

• Two to three message samples that reflect real texts you plan to send

• A working opt-in method (website forms, verbal consent, etc.)

• A standard opt-out message (e.g., "Reply STOP to unsubscribe.")

💡 Best Practices for Fast Campaign Approval:
✅ Be specific about how your messages support customer communication
✅ Show proof of opt-in methods (carriers want to ensure clients willingly receive messages)
✅ Include compliant language (such as disclaimers and opt-out instructions)

📢 Example of a compliant message sample:
"Hi [First Name], this is [Agent Name] from [Agency Name]. Your auto policy renewal is coming up—let’s review your coverage. Reply YES to confirm a call or STOP to opt out."

How A2P 10DLC Impacts Your CRM & Insurance Automation

Many insurance CRMs and lead management systems have built-in texting features, but without proper A2P registration, those texts may never reach your leads or clients.

Here’s what to check inside your CRM:
✅ Ensure your CRM provider supports A2P 10DLC registration
✅ Verify that your sender ID and phone number are registered
✅ Use dynamic fields (like first names) to personalize messages
✅ Track SMS deliverability inside your CRM's reporting dashboard

Failing to register means your CRM-powered texts could be flagged as spam, reducing engagement and potentially costing you lost deals.

Common Mistakes That Lead to A2P Rejection

🚫 Unverified Businesses – If your EIN or legal name doesn’t match IRS records, your application will be rejected.

🚫 Cold Texting Leads – You must have explicit opt-in consent before sending SMS messages.

🚫 No Opt-Out Language – Every message must provide a clear way to unsubscribe (e.g., “Reply STOP to opt out.”).

🚫 High Complaint Rates – Carriers track spam reports, and repeated complaints can get your messages blocked permanently.

🚫 Generic or Vague Use Cases – Carriers need to know exactly how you’re using SMS. Be specific when describing your campaign.

What Happens After You Register?

✅ Brand & campaign approval usually takes 3-5 days
✅ Once approved, your texts will be prioritized for delivery
✅ Your CRM’s text messaging will be fully compliant, avoiding fees and message blocking

For more details, check out these helpful resources:
📌 A2P 10DLC Campaign Approval Best Practices
📌 A2P Registration Guide

Final Thoughts: Stay Ahead of Compliance & Keep Your Insurance CRM Running Smoothly

A2P 10DLC isn’t just another regulation—it’s a critical upgrade for business texting. Ensuring compliance means:
✅ Faster SMS delivery
✅ Fewer blocked messages
✅ Higher engagement rates
✅ Better lead conversion from your CRM automation

At Little Giant, we help insurance agents stay ahead of compliance and maximize their SMS strategy.

👉 Need help setting up your A2P registration? Book a call with our team, and we’ll ensure your CRM texting is fully approved and optimized for success.