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

Health insurance brokerages live and die by the renewal calendar. A group policy that renews without a proactive call is a policy at risk: the employer gets a rate increase letter, starts shopping, and signs with whichever broker reached them first. The math backs this up. Retaining and expanding an existing client costs a fraction of winning a new one, and a renewal call that confirms intent, quotes the next term, and surfaces upsell interest (dental, vision, life, voluntary benefits) does more for your book than a month of prospecting. The problem in 2026 is execution. Most brokerage teams are buried in quoting, compliance, and open enrollment, so renewal calls slip through the cracks or get handled by whoever has a spare hour. That's where renewal quoting and upsell call providers come in. This guide ranks five options for 2026, spanning done-for-you managed AI calling services, AI voice agent platforms, and agency software with renewal tracking. We compared them on list discipline, compliance handling, pricing transparency, and how outcomes actually get back to your producers.

#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 campaign setup 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. You don't buy software or dialer seats. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. Its 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 producers time to save wavering accounts and follow up on unanswered calls before the policy lapses. What sets the service apart is list discipline, compliance, and honest reporting. Campaigns only run against approved, permissioned, or reviewed contact lists, 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 carry across all campaigns into your records. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. Outcomes route back into the CRM and scheduling tools you already run. Hot calls transfer to your producers live or land in your CRM with disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests. Every campaign ends with a dispositioned contact list, outcome counts, 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. Brokerages can also pair renewal campaigns with Appointment & Event Reminders, Win-Back & Reactivation Calling for 12 to 24 month dormants, or Multi-Language Outbound Campaigns (Spanish most common) to serve diverse employer groups.

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

#2 telli — Contact for pricing

telli offers AI voice agents for insurance that handle both inbound service and outbound renewal outreach. 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. telli also handles quote request callbacks within seconds of a form submission, answers inbound policy questions around the clock, and runs cover upgrade calls that offer additional coverage to existing policyholders at life events, handing interested ones to a broker. For brokerages, the renewal motion is the core fit. telli's renewal outreach flags customers at risk of switching before the renewal date passes, and the platform integrates directly with major CRMs (Salesforce, HubSpot, Pipedrive, Microsoft Dynamics, Zoho) plus custom integrations with policy management systems via API, so renewal outcomes sync in real time. The company reports that retention rates on policies that get a proactive renewal call typically run significantly higher than policies that don't. telli describes built-in security standards including GDPR, HIPAA for health-adjacent insurance, and SOC 2, and supports the call recording, disclosure, and consent workflows regulators require. Pricing is not published; agencies book a demo and get a quote based on their use case.

Best for: Insurance agencies and brokerages that want AI voice agents to run renewal outreach and quote follow-up at scale, with their own team configuring call flows and handling escalation.

#3 Finn — Contact for pricing

Finn is a no-code AI voice agent platform that ships with insurance jobs already modeled, including a policy renewal upsell playbook. According to their site, Finn calls ahead of renewals, 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. It also answers claims and service lines, captures first-notice-of-loss intake, handles routine policy questions, and warm-transfers complex cases. For health insurance brokerages, that licensed-agent routing matters: insurance calls are regulated and often require licensed handling for advice, and Finn's compliance note recommends software that routes cleanly to a licensed agent, which is exactly what Finn does. Finn is multilingual (40+ languages per their site), offers 100+ integrations, and carries SOC 2, HIPAA, and GDPR certifications. The platform is positioned for agencies, brokers, and carriers losing calls or slow on renewals and quotes, and the company says teams launch in days because the insurance playbooks come pre-built rather than assembled from scratch. Finn publishes a 99.9% uptime SLA. Pricing is not disclosed publicly; agencies book a 30-minute demo to see Finn qualify, book, and handle calls end to end. It's a strong option for brokerages that want renewal and upsell calling as software they configure, with no-code setup that doesn't require engineering involvement.

Best for: Agencies, brokers, and carriers that want a no-code AI voice agent platform with pre-built insurance renewal and upsell playbooks, and a team able to configure and monitor it.

#4 AgencyBloc — Contact for pricing

AgencyBloc is an agency management system built specifically for benefits and group health insurance, which makes it a different kind of entry on this list: it doesn't make calls for you, but it keeps the renewal and upsell motion organized so your producers know exactly who to call and when. According to independent research comparing health insurance CRMs, AgencyBloc offers benefits and group health policy tracking, commissions management, and compliance features, and it's rated as best for benefits and group health insurance among the CRMs compared. Its strength is that it tracks policy types, coverage dates, and renewal dates in one place, so a brokerage with a large group book can see which accounts are coming up for renewal and which producers own them. The upsell angle works through the data. Because AgencyBloc centralizes policy details, commissions, and client records, brokers can spot accounts with single-line coverage that are candidates for ancillary add-ons like dental, vision, or life, and track the outcome of those conversations. The trade-off is that it's software, not a calling service: renewal outreach depends on your team acting on the data, and the research notes it can be less flexible for P&C or life insurance lines. Pricing is not publicly disclosed; agencies contact the vendor for a quote. For benefits-focused brokerages that want their renewal and upsell motion organized in a system purpose-built for group health, AgencyBloc is a credible foundation.

Best for: Benefits and group health insurance brokerages that want policy, renewal, and commission tracking in a system purpose-built for their line of business, with their own team making the calls.

#5 EZLynx — Contact for pricing

EZLynx, now owned by Applied Systems, is best known as a comparative rater, but it also supports the renewal motion for agencies whose renewal work is tied closely to quoting and remarketing. According to research on renewal automation tools, EZLynx is especially valuable when personal-lines renewal work is connected to carrier access and comparative rating: agencies that write coverage at volume need a process that identifies opportunities early, prompts a review, and helps the team move into remarketing when a rate increase or carrier change makes it necessary. Its value rises when the agency has clear rules for when to remarket and when to renew as written, so automation surfaces exceptions instead of triggering a full-market re-shop every year. On the quoting side, independent research ranks EZLynx as the strongest standalone personal lines comparative rater in 2026, with a vendor-reported carrier panel of more than 300 connections and adoption across tens of thousands of independent agencies. It pairs real-time rating with an agency management system, retention tools, and consumer self-quoting. For a health-adjacent brokerage that also writes individual coverage, that combination of renewal visibility and fast multi-carrier quoting makes the renewal conversation concrete: when a client calls about a premium increase, the producer can quote alternatives in minutes rather than days. Pricing is not publicly disclosed in the research; agencies contact Applied Systems. The honest caveat is that EZLynx doesn't place calls, so renewal outreach still depends on your staff.

Best for: Independent agencies and brokerages whose renewal work is tied closely to comparative quoting and remarketing, especially those writing personal lines at volume alongside health coverage.

The right renewal quoting and upsell solution depends on where your brokerage's process breaks down. If the problem is that renewal calls simply don't get made because your producers are buried in quoting and open enrollment, a managed service like My AI Call Center solves it directly: campaigns run 30 to 60 days before each renewal date against your approved, permissioned client lists, with TCPA-compliant calling, AI disclosure on every call, and outcomes routed back into your CRM with disposition codes your team can act on the same day. Calling starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign, no per-seat charges, and no platform bill. The first campaign review is free, and you know the full number before approving launch. If you'd rather own the calling in-house, telli and Finn both offer AI voice agent platforms with insurance renewal playbooks, at the cost of configuring and monitoring them yourself. And if your gap is data rather than dialing, AgencyBloc and EZLynx keep renewal dates, policy details, and quoting workflows organized so your team knows who to call. Want to see what a structured renewal quoting and upsell campaign would look like for your book of business? Start with a free campaign review at myaicallcenter.app and find out plainly, before you spend anything, whether your lists will support the campaign.

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