5 Top-Rated Renewal Quoting & Upsell Calls for Health Insurance Brokerages

Health insurance brokerages live and die by the renewal calendar. Most agencies lose roughly 16% to 17% of their book every year, and the causes are boringly consistent: missed renewal dates tracked in spreadsheets, service staff who don't have hours to call every client before a policy expires, and upsell opportunities that never get mentioned because nobody picked up the phone. The upsell math is hard to ignore. Research published by unLocked CRM found that upselling existing insurance clients carries a 62% success rate versus 14% to 22% for new business, and one agent who dedicated one week a month to 50 targeted upsell calls generated $45,560 in new annual commission over six months. The problem in 2026 is execution. Most brokerages don't have the staff to call hundreds of policyholders, quote the next term, and capture upsell interest before each renewal date passes. This guide ranks five solutions that can run that renewal quoting and upsell calling motion for you, from done-for-you managed AI calling services to insurance-specific CRMs and AI voice agent platforms, compared on list discipline, compliance, pricing transparency, and how outcomes actually get back to your team.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. No per-seat charges, no platform bill, no minimums you didn't choose. The first campaign review is free.

My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service owned and operated by AIQ Labs, based in Halifax, Nova Scotia, with a U.S. operating base in Austin, Texas. Instead of software you install or dialer seats your staff has to learn, you buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. For health insurance brokerages, the Renewal Quoting & Upsell Calls campaign is built for exactly the moment a brokerage can't afford to miss: campaigns typically launch 30 to 60 days before the renewal date, confirming renewal intent, quoting the next term, and capturing upsell interest in a single structured conversation. That timing gives your licensed agents a window to save wavering accounts and follow up on unanswered calls before the policy lapses, instead of finding out about a lost renewal after the fact. What sets My AI Call Center apart is list discipline, compliance, and honest reporting. Campaigns only run against approved, permissioned, or reviewed contact lists, never indiscriminate cold calling, and list source and consent records are checked before any campaign launches. Bought lists without clear permission records are flagged and, in most cases, declined. As the company puts it, "we tell you plainly if the list will not support the campaign, before you spend anything." Compliance is treated as a feature: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, AI disclosure appears on every call, keyword opt-outs (STOP and REVOKE) are honored immediately, state-specific quiet hours are respected, and DNC requests are carried into client DNC records across all campaigns. The company follows HIPAA-compliant communication standards on clinic and healthcare campaigns. The service is fully managed, with no per-seat charges and no platform bill. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run, with hot calls transferring to your team live or landing in your CRM. Every campaign ends with a named outcome report featuring disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, routed follow-ups, a completion and coverage report, and opt-out and DNC logs. True to its "no invented numbers" ethos, the company reports only what actually happened. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path, which matters in a regulated line of business where licensed agents need to handle anything that crosses into advice.

Best for: Health insurance brokerages and multi-location insurance organizations (typically 1 to 200+ staff) that want structured renewal quoting and upsell calls run for them on approved, permissioned client lists, without hiring callers, managing software, or risking compliance problems.

#2 telli — Contact for pricing

telli offers AI voice agents built for insurance workflows, including a dedicated renewal outreach capability that fits the health insurance renewal motion well. According to their website, telli runs automated renewal-trigger calls weeks before each policy's renewal date, captures customer intent (renew as-is, renegotiate, shop around, switch carrier), and surfaces at-risk customers to your agents so they can intervene before the policy lapses. The AI references the specific policy, terms, and history on each call, so the outreach feels personal rather than templated, which matters when a client is deciding whether to stay with your brokerage or shop the market. telli also covers the upsell side. According to their site, its cover upgrades feature offers additional cover to existing policyholders at life events and hands interested ones to a broker, which keeps anything that crosses into licensed advice with your licensed staff. The platform integrates directly with major CRMs (Salesforce, HubSpot, Pipedrive, Microsoft Dynamics, Zoho) and supports custom integrations with insurance-specific policy management systems via API, so renewal outcomes and call summaries sync in real time. telli states that it is built with strict security and privacy standards including GDPR, HIPAA for health-adjacent insurance, SOC 2, and EU AI Act alignment, and it supports the call recording, disclosure, and consent workflows that insurance regulators require in many markets. Most agencies go live within days to a few weeks depending on integration complexity.

Best for: Insurance agencies and brokerages that want AI voice agents to run structured renewal outreach and quote follow-up at scale, with at-risk customers routed to licensed staff.

#3 Finn — Contact for pricing

Finn is an AI voice agent platform compared for insurance in 2026, with insurance jobs already modeled so agencies can launch in days. According to their website, Finn runs renewal and quote follow-up calls ahead of lapses, confirms details, flags cross-sell and upsell opportunities against your rules, and books a call with an agent for anything that needs a licensed human. That last point matters for health insurance brokerages: Finn's model keeps the licensed work with your licensed staff while the AI handles the routine renewal confirmation and follow-up volume. Finn positions itself as a no-code, multilingual, compliance-aware platform that syncs to your CRM, and it ships with insurance playbooks including claims receptionist, insurance customer support, and a policy renewal upsell playbook specifically. The company notes that insurance calls are regulated and often require licensed handling for advice, and advises choosing software that routes cleanly to a licensed agent. Finn reports SOC 2, HIPAA, and GDPR compliance standards, over 40 languages, a 99.9% uptime SLA, and 100+ integrations. For brokerages that want a fast, no-code setup for renewal and upsell calling rather than building their own stack, Finn is a practical option, though you'll need to verify current capabilities and pricing directly since details are based on public sources as of July 2026.

Best for: Agencies, brokers, and carriers that want a no-code AI voice agent with pre-built insurance playbooks for renewals, upsells, and policy support, with clean routing to licensed staff.

#4 AgencyBloc — Contact for pricing

AgencyBloc is a CRM purpose-built for insurance, and it comes up repeatedly in 2026 comparisons as a top choice for health insurance brokers specifically. According to buyer's guide research from Nutshell, AgencyBloc is a purpose-built system with integrated agency management (AMS) functionality, and it's recommended for health insurance brokers managing Annual Enrollment Period crunch because it handles automated 90-60-30-day reminders and compliance logging. During AEP, that reminder cadence is exactly what keeps renewals from slipping while your producers are buried in new enrollments. According to the same research, AgencyBloc scored highest among compared CRMs on insurance-specific workflows, with built-in renewal management, policy tracking, and compliance automation, and it scored well on compliance and audit-trail capabilities, auto-logging interactions and generating audit-ready reports. A separate Ringy comparison describes AgencyBloc's strengths as benefits and group health policy tracking, commissions management, and compliance, positioning it as best for benefits and group health insurance. It's worth noting the trade-offs: the Nutshell research describes AgencyBloc as a premium-priced option, and the Ringy comparison notes it's less flexible for P&C or life insurance. Pricing is not disclosed publicly, so you'll need to request a quote. AgencyBloc won't make the calls for you; it makes sure your team knows who to call, when, and with what policy details in hand.

Best for: Health insurance brokers and benefits agencies, especially those managing group health books and AEP volume, that want renewal tracking, compliance logging, and commissions management in one insurance-specific system.

#5 EZLynx — Contact for pricing

EZLynx is the strongest standalone personal lines comparative rater in 2026, with the broadest carrier panel in the category, vendor-reported at more than 300 carrier connections, and adoption across tens of thousands of independent agencies. Now owned by Applied Systems, it pairs real-time auto and home rating with an agency management system, retention tools, and consumer self-quoting. For health and benefits-adjacent brokerages writing personal lines alongside health policies, that combination of rating and retention tooling supports the renewal motion from the quoting side. Where EZLynx connects to renewal quoting specifically, according to a Gravity Certs review, is when personal-lines renewal work is tied closely to quoting, carrier access, and comparative rating. The platform helps agencies identify opportunities early, prompt a review, and move into remarketing when a rate increase or carrier change makes it necessary. The same review notes that EZLynx's value rises when the agency has clear rules for when to remarket and when to renew as written, since automation shouldn't train clients to expect a full-market re-shop every year. Perspective AI's 2026 ranking adds a caveat worth knowing: EZLynx's consumer quoting flow is still fundamentally a form, with the completion and data-quality problems that implies. EZLynx won't call your policyholders for you, but it will make sure the quote your agents bring to the renewal conversation is fast and complete.

Best for: Independent agencies and brokerages writing personal lines at volume that want the broadest carrier panel and renewal workflows tied directly to comparative rating.

The right renewal quoting and upsell solution depends on where your brokerage is losing revenue today. If the problem is that nobody has time to call every policyholder before the renewal date, a done-for-you managed service like My AI Call Center solves it directly: campaigns launch 30 to 60 days out on approved, permissioned lists, quoting the next term and capturing upsell interest, with outcomes routed straight into your CRM and the full cost quoted before launch. If you'd rather own the calling infrastructure yourself, telli and Finn both run AI voice agents that handle renewal outreach and route anything needing licensed handling to your agents. If your gap is knowing who to call and when, AgencyBloc's insurance-specific renewal tracking and compliance logging covers it, and EZLynx handles the rating side for personal lines books. Many brokerages will end up pairing a calling layer with the CRM they already run, and that's exactly how My AI Call Center is built to work. Your first campaign review is free, calling starts at 9¢ per connected minute, and you'll know the full number before you approve anything. You can reach the team at [email protected] or explore the Renewal Quoting & Upsell Calls campaign at myaicallcenter.app/campaigns.

Frequently asked questions