For agents, agencies and lead buyers

Phone validation for insurance leads

Check every purchased, aged or quote-form lead before it reaches your dialer: whether the carrier deactivated the number, mobile or landline after porting, a known TCPA litigator, on a state do-not-call list, with a timestamped result you can keep with the lead.

  • US and Canadian numbers
  • From $0.0009 per lookup
  • State DNC checks free
Purchased leads, checked
Number The lookup says Do this
(813) 555-0124 Mobile, can take texts Call or text
(402) 555-0178 Deactivated by the carrier Sep 28 Return to vendor
(512) 555-0193 Known TCPA litigator Reject
(317) 555-0146 Landline, can't take texts Call only
(404) 555-0110 Georgia area code, form says Ohio Review

Fictional 555 numbers.

  • 1B+ requests served by our validation network
  • ~32% of numbers we look up are landline or VoIP
  • ~7% of landlines we check can take a text
  • ~1.5% flagged as TCPA litigators when the scrub is on

Where purchased leads go wrong

“I paid for aged leads with dead numbers.”

A number reassigned since the lead opted in reaches someone who never consented, and the reassigned-number safe harbor only covers the FCC's database. deactivationDate flags carrier deactivations from the last 45 days.

47 CFR 64.1200(m) · ecfr.gov

deactivationDatereason

“Was this lead a professional plaintiff?”

A consumer can sue for $500 per violation of the TCPA robocall rules, or up to three times that if it was willful or knowing. The litigator scrub flags known TCPA litigators for 1 extra credit.

47 U.S.C. 227(b)(3) · law.cornell.edu

litigatorlitigator_type

“Call or text first?”

About 32% of the numbers we look up are landline or VoIP. The live carrier dip says mobile or landline after porting, and smsEligible marks the numbers that can take a text.

Source: CheckThatPhone lookup data

nanpTypedipCarrierTypesmsEligible

“The vendor says every lead opted in.”

Prior express written consent is a written agreement, signed by the person, that authorizes the seller to make autodialed or prerecorded marketing calls to that number. A phone lookup can tell you which leads are cell phones, not whether that agreement exists.

47 CFR 64.1200(f)(9) · ecfr.gov

nanpTypedipCarrierType

Where it fits in your lead flow

  1. Step 1

    A lead arrives

    A vendor post, a ping-post buy, an aged batch, or a submit on your own quote form.

  2. Step 2

    Check it before the dialer

    One API call on the lead post, webhook or form submit, before the lead is routed. Aged batches go through CSV upload (deduplicated, up to 1,000,000 rows).

  3. Step 3

    Route, reject or return

    CallTextRejectReturn

    Keep optDate and reason with the lead record, so a return request has a timestamped result behind it.

What each result means for a lead

Read these fields from every response. Absent DNC fields mean the check didn't run, not that the number is clear.

If the response showsFieldDo this
Deactivated by the carrier recently deactivationDatereason Don't dial. A candidate for a return request.
Known TCPA litigator litigatorlitigator_type Reject the lead, or send it to manual review.
Mobile that can take a text nanpType = mobilesmsEligible Call or text, within the consent the lead carries.
Landline nanpTypedipCarrierType Call. Text it only if the landline SMS check returns smsEligible: "true".
VoIP dipCarrierSubType = IPES Tag it. Use it as a lead-quality input when you score vendors.
On our internal blacklist blackList Reject. A litigator match also sets it; reason tells you which.
On a state do-not-call list dncStateResult = STATE DNC Suppress unless you hold consent.
State check absent (CO, FL, IN, LA, MA, MS, MO, OK, PA, TN, TX and WY) dncStateChecked Not checked. Use your own scrub for that state.
State differs from the one on the form geoStategeoSource Flag it for review. geoState comes from the IP you pass or from the area code, not from where the lead lives.
Every lookup optDatereason Store both with the lead: a timestamped record for vendor disputes.

One lookup, highlighted for a lead buyer

A purchased lead whose number the carrier deactivated on September 28. optDate timestamps the check and reason names the carrier id and date: the record you keep for a return request.

2 credits: lookup + litigator scrubTimestamped

Highlighted fields: optDate, reason, deactivationDate, nanpType, litigator.

{
  "success": true,
  "credits_used": 2,
  "data": {
    "subscriber": "4025550178",
    "optDate": "2026-10-09T13:12:44.581Z",
    "action": "unsubscribe",
    "deliverable": "false",
    "reason": "Number deactivated by carrier id 6010 on 2026-09-28",
    "deactivationDate": "2026-09-28",
    "nanpType": "mobile",
    "blackList": "false",
    "dip": "success",
    "dipLrn": "4025550178",
    "dipPorted": "false",
    "dipOcn": "6010",
    "dipCarrierSubType": "WIRELESS",
    "dipCarrier": "AT&T",
    "dipCarrierType": "mobile",
    "litigator": "false",
    "litigator_type": "",
    "litigator_name": "",
    "geoState": "NE",
    "geoCity": "omaha",
    "geoCountry": "US",
    "timezone": "America/Chicago",
    "tzOffset": 6,
    "geoSource": "area-code",
    "error": "false",
    "doNotSms": "true"
  }
}

What it costs at your volume

Monthly cost, with the TCPA litigator scrub (+1 credit per number):

  • Agency buying leads, 15,000 leads/mo: $90/mo on the 10K plan, billed monthly
  • Lead buyer, 60,000 posts/mo: $120/mo on the 100K plan, billed monthly
Your monthly cost $90/mo on the 10K plan, billed monthly 15,000 leads × 2 credits = 30,000 credits. 10K plan: $30 + 20,000 × $0.003 = $90

State DNC and complainer checks never add credits. The landline SMS check adds 1 credit per landline; mobiles are not charged.

What the lookup covers, and what's still on you

The lookup gives you

  • Mobile, landline or VoIP from a live carrier dip, after porting
  • Carrier deactivations in the last 45 days, with the date
  • Known TCPA litigators (+1 credit)
  • State do-not-call matches in 38 states plus DC, and complainers (free)
  • Which landlines can take a text (+1 credit per landline)
  • A timestamp on every result (optDate)

Still your job

Not legal advice.

Coverage and limits

  • State DNC: covers 38 states plus DC, refreshed weekly. Numbers in CO, FL, IN, LA, MA, MS, MO, OK, PA, TN, TX and WY aren't checked, and dncStateChecked is left out for them, so "not checked" never reads as clear.
  • No National Do Not Call Registry check. Registry access for sellers comes from the FTC at telemarketing.donotcall.gov.
  • No subscriber names or owner details.
  • deactivationDate: data refreshed daily, with a 1 to 7 day lag, and entries expire after 45 days. It is not a reassigned-number check.
  • Canadian numbers are validated and carrier-dipped like US numbers, but the state DNC check is US-only and Canada's National DNCL isn't checked.

Questions agents and lead buyers ask

Does a clean lookup prove the lead consented?

No. Autodialed or prerecorded marketing calls to a cell phone need prior express written consent: a written agreement, signed by the person, that authorizes the seller to call that number (47 CFR 64.1200(f)(9)). That record lives with your lead source, not in a phone lookup.

What happened to the one-to-one consent rule?

The Eleventh Circuit vacated it on January 24, 2025 (Insurance Marketing Coalition v. FCC), and it never took effect. Prior express written consent under 47 CFR 64.1200(a)(2) still applies to autodialed or prerecorded marketing calls to cell phones. This is not legal advice.

Can we use the result to return a lead?

It gives you a record: optDate timestamps the lookup, and a deactivated number comes back with a reason like "Number deactivated by carrier id 6010 on 2026-09-28". Whether that earns a credit or a replacement is up to your contract with the vendor.

Is geoState the lead's home state?

No. geoState comes from the IP you pass with the request or, without one, from the area code, which is where the number was issued. A mismatch with the state on the form is a reason to review the lead, not proof of fraud.

Does it check the National Do Not Call Registry?

No. It runs the state do-not-call check for 38 states plus DC and screens our national complainer list. Get national registry access from the FTC at telemarketing.donotcall.gov; the FCC's safe harbor expects a copy no more than 31 days old (47 CFR 64.1200(c)(2)(i)(D)).

What does the litigator scrub add?

1 extra credit per number. It flags numbers tied to known TCPA litigators (litigator, litigator_type) from data refreshed daily, and a match sets action to "unsubscribe". About 1.5% of the numbers we check come back flagged when the scrub is on.

Check the next lead before it reaches your dialer

500 free lookups a month. Call the API on every lead post, or upload an aged batch as a CSV.