West Virginia has about 1.8 million people, and 22.5% of them are 65 or older. Our West Virginia leads come from Coverfolk quote forms filled out by people in Charleston, Huntington, Morgantown, Parkersburg and the towns in between.
Who to call
West Virginia has the highest home ownership of any state we sell in: 74.9% of homes are lived in by the owner, and homes are affordable at a median of $162,600. With 22.5% of people 65 or older, final expense is the main lead here. The state telemarketing law does not apply to licensed agents, so the federal rules are the ones to follow.
Calling rules
A short summary, checked against the statute. Not legal advice. Federal rules apply too.
24 hours every 2 years, with 3 hours of ethics. Up to 6 extra hours can carry into the next period. Regulator: West Virginia Offices of the Insurance Commissioner.
No state rule for licensed agents; federal hours apply: 8 AM to 9 PM local time.
The same price list as every state we sell in. Aged from $1.50. Bad numbers swapped in one tap.
Questions
West Virginia's own telemarketing hours do not apply to licensed agents acting within their license (W. Va. Code 46A-6F-210). Follow the federal window: 8 AM to 9 PM in the lead's local time.
Source: W. Va. Code 46A-6F-601 (abusive practices, hours) · National Do Not Call Registry
No, if you are a licensed agent soliciting within the scope of your license. W. Va. Code 46A-6F-210 says the article does not apply to you.
24 hours every 2 years, 3 of them ethics, per the Offices of the Insurance Commissioner.
Final expense and mortgage protection. 22.5% of people are 65 or older, and 74.9% of homes are lived in by the owner.
Source: Census population estimates 2025 (state totals and age)
Your leads in West Virginia read our sister site first: Life insurance in West Virginia on Coverfolk.
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