I shall overlook the quaint charm of a near-illiterate post such as yours accusing someone else of being "ignorant" and point out the real difference between someone who works "with" as opposed to "for" an insurance company: The one who is working "with" is hoping the person receiving the call doesn't know the difference. If the mark – excuse me, I mean "potential customer" (cough) – overlooks or doesn't understand the difference it is exactly what the telemarketer intends. Misleading without actually lying, a long-established technique of con artists and unethical salesmen.
I just got a call from them. I informed them that I am on the Federal Do Not Call list and they stated it did not apply to them. WRONG. I have already contacted the Feds to inform them. I think I will also send the Feds this site so they can see how many people this is truly annoying, especially since very few people even go to the trouble of checking out their phone number.