Every insurance agent sending A2P SMS in the US has to register a brand and at least one campaign. Skip one, and your texts get filtered. Here is the clear version of what each is, what it costs, and how to avoid rejection.
The 10DLC system has two registration layers, and most agents confuse them. You register your BRAND once. You register a CAMPAIGN for every distinct use case. Brand is who you are. Campaign is what you send.
Your legal business entity. EIN, legal name, address, website, vertical. Verified by TCR (The Campaign Registry). One brand per agency.
A specific messaging use case. Appointment reminders, marketing broadcasts, customer care. Each has its own consent language, sample messages, and opt in flow.
Pricing varies by CRM vendor and messaging provider, but these are typical one time and monthly fees in 2026.
| Item | Typical Fee | Frequency |
|---|---|---|
| Brand registration | $4 one time | Once per brand |
| Brand vetting (optional) | $40 to $45 one time | Recommended |
| Standard campaign | $10 per month | Per campaign ongoing |
| Low volume campaign | $1.50 to $2 per month | Per campaign ongoing |
| Carrier pass through fees | Varies | Per message |
Your legal name on the brand does not match the name the IRS has for your EIN. Call it in from your EIN letter, not memory.
Your website opt in form has no TCPA disclosure. Carriers check. Add the language before you submit.
Sample messages that do not clearly map to the campaign use case get rejected. Be specific about what you send.
Insurance agencies sometimes get rejected for picking the wrong vertical. Insurance is its own category.
Every campaign needs STOP and HELP keyword support. Must be mentioned in opt in and in sample messages.
Your website gets crawled during vetting. No site, a broken site, or a parked domain fails.
Brand registration, campaign registration, consent language, opt in forms, and STOP handling. All set up inside your CRM on day one.