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

Health insurance brokerages live and die by their renewal cycle. A policyholder who never hears from their broker before a renewal date is a policyholder who shops the market, finds a slightly cheaper quote, and leaves. Industry research cited by Nutshell puts annual book-of-business attrition at 16–17%, and most of that loss isn't about price. It's about silence. Upsell conversations work the same way. Adding a rider, upgrading a plan tier, or quoting a spouse or dependent policy only converts when someone actually asks, at the right moment, in a structured and compliant conversation. The challenge in 2026 is execution. Most brokerage teams don't have the staff to call hundreds of clients 30 to 60 days before each renewal, quote the next term, and capture upsell interest before the deadline passes. That's where renewal quoting and upsell call providers come in. This guide ranks five options for health insurance brokerages in 2026, comparing managed calling services, CRM platforms with renewal automation, and outbound call centers on list discipline, compliance, pricing transparency, and how outcomes actually get back to your team. Whether you run a solo brokerage or a multi-state agency, one of these five fits the way your renewal motion needs to run.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and flat monthly management fee, both quoted before launch. 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. Rather than software you install or a dialer 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 a renewal date, confirming renewal intent, quoting the next term of coverage, and capturing upsell interest (whether that's a higher-tier plan, a supplemental rider, or a spouse or dependent policy) in a single structured conversation. What sets My AI Call Center apart for brokerages 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, prior express consent is 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 service is fully managed, with no software to buy, learn, or staff, and no per-seat charges or platform bill. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools the brokerage already runs, with hot calls transferring to staff live or landing in the 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, completion and coverage reports, and opt-out and DNC logs. True to its "no invented numbers" ethos, the company reports only what actually happened. Pricing is transparent: calling starts at 9¢ per connected minute, tiered by volume, with the rate agreed before launch and locked for the campaign. Most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. The first campaign review is free, and the full number is known before you approve launch.

Best for: Health insurance brokerages and multi-location agencies (typically 1 to 200+ staff) with active policy books who want structured renewal quoting and upsell calls run for them on approved, permissioned client lists, without hiring callers or managing dialer software.

#2 Ringy — $119/month

Ringy is a CRM purpose-built for insurance agents and agencies, offering a suite of tools for lead management, client communication, and policy tracking. According to Ringy's website, the platform combines VoIP calling, SMS, and email in one place so agents never miss a touchpoint, which makes it useful for small to mid-sized health insurance brokerages looking to grow without stacking multiple tools. For renewal quoting and upsell work specifically, Ringy offers lead management and automation that captures and prioritizes leads from web forms, calls, or imports, along with policy and renewal tracking that sends automated reminders before expiration dates so brokers can reach clients before they start shopping the market. Ringy also includes customizable workflows that automate follow-ups and outreach for better client retention, and built-in compliance support for securely storing sensitive client information with data protection features. Detailed reporting and analytics let agencies monitor sales performance, campaign effectiveness, and agent productivity. The platform's VoIP, SMS, and email integrations mean agents can communicate directly in-platform and track every client interaction in one place, which matters during the Annual Enrollment Period crunch when brokerages are juggling hundreds of renewals at once.

Best for: Health insurance agencies that want an all-in-one CRM with built-in VoIP, SMS, email, and policy renewal tracking rather than separate tools.

#3 telli — Contact for pricing

telli is an AI voice agent platform built for insurance agencies, brokers, and carriers. According to telli's website, the platform 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 agents so they can intervene before the policy lapses. The AI references the specific policy, terms, and history on each call, so outreach feels personal rather than templated. Beyond renewals, telli calls back every new quote-request lead within seconds of form submission, runs structured qualification conversations, and either books a qualified consultation directly into an agent's calendar or cleanly closes out the lead. The platform also handles inbound service calls around the clock, answers common insurance questions end-to-end, and runs friendly payment reminder calls when premiums become due or overdue. telli integrates directly with major CRMs (Salesforce, HubSpot, Pipedrive, Microsoft Dynamics, Zoho) and supports custom integrations with insurance-specific policy management systems via API, so quote qualification status, renewal outcomes, and service call summaries sync in real time.

Best for: Insurance agencies, brokers, and carriers that want an AI voice agent to handle both inbound service calls and proactive renewal outreach, with warm transfer to licensed staff for complex cases.

#4 AgencyBloc — Contact for pricing

AgencyBloc is a purpose-built insurance agency management system with integrated agency management features designed for benefits and group health insurance work. According to Nutshell's 2026 buyer's guide, AgencyBloc is a top choice for brokerages needing a purpose-built system with integrated AMS functionality, and it handles Annual Enrollment Period complexity well, with automated 90-, 60-, and 30-day reminders and compliance logging that streamline the AEP crunch. For health insurance brokerages focused on group and benefits work, AgencyBloc's strength is centralizing policy details, commissions, compliance notes, and client communication in one platform built specifically for the daily realities of insurance work. The system tracks policy types, coverage dates, renewal reminders, claims history, and compliance documentation, giving agents instant access to the information they need during client conversations. According to Ringy's comparison, AgencyBloc is best for benefits and group health insurance but less flexible for P&C or life insurance lines.

Best for: Health insurance brokerages focused on benefits and group health policies that need a purpose-built AMS with strong AEP renewal automation and compliance logging.

#5 Pearl Lemon Leads — Contact for pricing

Pearl Lemon Leads is a UK-based telemarketing and lead generation provider that runs structured outbound calling for insurance agencies, including health insurance brokerages. According to their website, the company supports UK insurance brokers, agencies, MGAs, protection firms, PMI sellers, and commercial insurance teams with outbound calling that respects FCA expectations, UK GDPR, TPS, CTPS, and clear customer communication. Their insurance telemarketing services cover the full outbound journey: first-call qualification, appointment setting, quote follow-up, renewal retention, customer reactivation, cross-sell calling, and data cleansing. For renewal quoting and upsell work specifically, Pearl Lemon Leads runs renewal retention campaigns that contact policyholders before the decision window gets tight, confirming renewal dates, identifying price concerns, checking whether circumstances have changed, and booking a broker conversation before the client starts comparing elsewhere. They also run cross-sell and policyholder growth campaigns across home, motor, life, health, landlord, commercial, cyber, fleet, and liability products, with calls planned around relevant triggers such as renewal dates, new business activity, staff growth, property changes, vehicle additions, family changes, or previous quote interest. Campaigns are built with governance controls covering approved call flows, caller identification, TPS and CTPS awareness, UK GDPR handling, opt-out capture, complaint escalation, call review, and CRM notes.

Best for: UK-based health insurance brokerages and PMI sellers that need structured outbound calling for renewal retention and cross-sell campaigns with FCA-aware governance.

Health insurance brokerages that protect their renewal cycle protect their book. The five providers above cover the main ways brokerages run renewal quoting and upsell calls in 2026: done-for-you managed calling services, CRM platforms with renewal automation, AI voice agent platforms, purpose-built insurance AMS systems, and outsourced telemarketing agencies. Each fits a different operational model. If you want a fully managed service that runs the entire campaign for you on approved, permissioned lists with transparent per-minute pricing and outcomes routed back into your CRM, My AI Call Center is the clear starting point. Calling starts at 9¢ per connected minute, the rate is locked for the campaign, and the first campaign review is free. Visit myaicallcenter.app to plan your campaign and see how structured renewal quoting and upsell calls fit into your brokerage's retention motion.

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