Why You Might Request Life Insurance Info—and Get a Call from an Out‑of‑State Number

By Sebastian River Insurance

You filled out an online form for life insurance info on social media—but when the phone rings, the area code isn't local. Instead, it shows an out-of-state number. Why does that happen? Let us explain.

1. Your Info May Have Been Sold to Multiple Agents

When you submit your info (name, phone, zip) on a third-party quote site, it’s often sold to multiple agencies. The “hot lead” status means agencies with different licenses—or from other states—can contact you immediately.
According to Reddit users:

“These websites will sell your info to anyone who wants it … your number is sold as a ‘hot’ lead” Reddit+10Reddit+10Reddit+10

That’s why you may receive calls from multiple area codes—sometimes years later—as the same contact info gets resold multiple times.

2. Agents May Be Licensed Across States

Independent agents often hold non-resident licenses in several states. That means they can legally call from any phone number they choose—even if it shows a different state’s area code. One Reddit user, who used a long-held out-of-state number, shared:

“I still have an out of state phone number… I’ve had this phone number for years. I don’t want to change it…” Reddit

It doesn’t necessarily indicate a scam—it’s just how their business operates.

3. Consumer Protection & Compliance Matters

While many agents operate legally, there are risks:

• Spoofing, where a call appears local but isn’t, is illegal in states like South Carolina without a physical presence there Department of Insurance SC.

• Not all lead providers clean their lists against Do Not Call (DNC) registries, which can result in illegal or unwanted calls Reddit+12callin.io+12landlineremover.com+12.

Legitimate agencies must comply with federal and state regulations.

4. When You Feel Overwhelmed or Concerned

If you didn’t intend to request life insurance—or if calls keep coming:

• Ask the caller to place you on their internal Do Not Call list.

• If calls persist, register with the National Do Not Call Registry.

• Block numbers or use call screening tools.

• In extreme cases, lodge complaints with the FTC or state insurance department Reddit+1Reddit+1Reddit+5Reddit+5Reddit+5Reddit+9marketwatch.com+9Reddit+9Reddit+2landlineremover.com+2en.wikipedia.org+2.

5. How Sebastian River Insurance Does Things Differently

At Sebastian River Insurance:

• If you request info, one licensed local agent will contact you on our secure agency number.

• We'll explain your options, answer questions, and respect your boundaries—no repeated calls from unknown numbers.

• You remain in control—you choose when, how, and if we continue.

✅ Bottom Line

• Requests through lead-generating sites can override your state boundaries, resulting in out-of-state numbers calling.

• Some call centers reuse old phone numbers, causing repeated contact even after years.

• But legitimate agencies like ours respect your time, choice, and privacy—offering personal service only when requested.

If you want clear, respectful support with no pressure, Sebastian River Insurance is here to help.