SMS Consent & Opt-In

Last updated: September 8, 2026

Risker is a service of Blue Sky Services LLC (“Blue Sky,” “Risker,” “we,” “us,” or “our”). Risker is software for licensed insurance agents and agencies. This page documents exactly how a consumer comes to receive text messages from Risker, and reproduces the consent controls shown in the product.

Current status: Risker consumer messaging and live transfer are live in Arizona. Risker has no public consumer web form and never messages a number it bought, imported, or collected online. A consumer is texted only after their own licensed insurance agent, already speaking with them, asks for and records their permission (section 2). A consumer reply of YES or NO does not authorize, decline, reserve, disclose, or start a connection; named-agency approval happens on the request-bound web screen in section 4.

1. Program summary

Program name — Risker Agent Match (transactional).
Who is messaged — only an Arizona consumer who is already working with a licensed insurance agent on an Auto, Homeowners, or Manufactured Home need, and who has told that agent it is okay for a local agent to contact them.
What is sent — one connection message for the request the agent recorded, and, where a sealed named-agency handoff applies, one secure, request-bound approval link. Risker never sends a second connection message unless the consumer replies.
Frequency — Message frequency varies; typically 1 to 3 messages per request.
Cost — Risker does not charge for messages. Message and data rates may apply.
Not marketing — Risker does not send promotional or marketing text messages, and consent is not a condition of any purchase.
Help and opt-out — reply HELP for help, STOP to opt out.

2. Instant Connect (agent-attested) — where consent is collected

Consent is collected in person or on the phone by a licensed insurance agent using the Risker agent portal. There is no public consumer web form and no account, payment, or invitation a consumer must complete. The agent asks the consumer for permission verbally before anything is sent, then must tick this attestation, unchecked by default, for every single request:

My client agreed to be contacted by text and phone about this quote, including by Risker on my agency's behalf.

Risker then sends the consumer exactly one message. No further message is sent unless the consumer replies.

Risker: a licensed [product] agent in AZ is ready to help with your quote. Reply 1 and we will call you to connect with an available agent. If you did not request this, reply STOP to opt out. HELP for help. Msg&data rates may apply.

Reply 1 — Risker places one phone call to connect the consumer with one licensed agent. One reply, one call.
Did not request this? — reply STOP. There is no other option offered: a consumer either asks to be connected now or opts out.
No reply — nothing further happens. Risker does not chase.
Reply STOP — every Risker message ends immediately, and any pending connection is cancelled.
Recording — connected calls may be recorded for quality and dispute resolution, and all parties are told so at the start of the call.

3. Message flow, step by step

A licensed insurance agent is already speaking with the consumer and asks whether a local agent may contact them.
Opt-in step. The agent types the consumer's mobile number and must tick the unchecked attestation reproduced in section 2. The send action stays disabled until the box is checked, so no message can be triggered without it.
Risker sends the one connection message shown in section 2. A reply of 1 places one call; STOP ends everything; no reply means nothing further.
Where a sealed named-agency handoff applies, no agency receives contact details until the consumer approves one specific named agency on the request-bound web approval screen in section 4. An SMS reply alone cannot grant or decline that approval.
The consumer may reply STOP at any point to end all messages, or HELP for support.

4. Named-agency authorization, exactly as shown

After a sealed match selects one licensed agency, Risker sends the secure, recipient-bound message below. The link expires and names the selected agency; a reply to the text cannot authorize disclosure or a transfer.

Risker: {{agency_name}} is ready to help with your {{product_name}} insurance request in {{state_code}}. Review and sign your secure consent: {{consent_link}} Reply HELP for help, STOP to opt out.

On that secure page, the consumer reads this authorization before signing:

I authorize [recipient agency name], selected through [seller agency name] and Risker, to contact me about my [product] insurance request in AZ. I understand calls or text messages may use automated technology. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out or HELP for help. By typing my name and submitting this form, I electronically sign this authorization under the E-SIGN Act.

I have read and agree to the consent statement above.

5. Message examples

These are the messages the consumer program sends today. Named-agency approval uses a request-bound web link; Risker does not send or accept a reply-YES approval.

Instant Connect: “Risker: a licensed [product] agent in AZ is ready to help with your quote. Reply 1 and we will call you to connect with an available agent. If you did not request this, reply STOP to opt out. HELP for help. Msg&data rates may apply.”
Named-agency secure link: “Risker: {{agency_name}} is ready to help with your {{product_name}} insurance request in {{state_code}}. Review and sign your secure consent: {{consent_link}} Reply HELP for help, STOP to opt out.”
Match status: “Risker: we couldn't connect you right away — a local licensed agent will reach out shortly. Reply HELP for help, STOP to opt out. Msg&data rates may apply.”
HELP reply: “Risker connects you with a licensed insurance agent. Msg&data rates may apply. Reply STOP to opt out. Support: support@risker.com”
Twilio Advanced Opt-Out STOP reply: “Risker: You are unsubscribed from all SMS messages. Reply START to resubscribe.”
Application STOP fallback: “You are unsubscribed from Risker messages and will not be contacted again. Reply HELP for help.”
Carrier re-subscription reply: “Risker: Carrier delivery is restored. This does not restore insurance consent; use a new secure consent link to authorize contact. Reply HELP for help, STOP to opt out. Msg & data rates may apply.”

6. Opting out

Reply STOP, STOPALL, QUIT, END, CANCEL, UNSUBSCRIBE, or REVOKE to any Risker message to be removed immediately; Risker also honors plain-language requests such as “do not text me.” Opting out ends every Risker message and also withdraws consent for any pending agency connection. Reply HELP for help, or email support@risker.com. Message and data rates may apply.

START, UNSTOP, and YES reopen carrier delivery only after an opt-out. They are not a valid initial opt-in, do not restore Risker consent, and cannot authorize an agency, disclose data, or begin a live transfer.

7. Privacy

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Full detail is in the Privacy Policy and the SMS program terms in the Terms of Service.