Health insurance brokerages live and die by the renewal calendar. Group plans, individual policies, and Medicare books all come up for renewal on a schedule, and the brokerage that calls clients 30 to 60 days ahead of the deadline consistently keeps business that quieter shops watch walk to a competitor. The upsell side matters just as much: adding a dental rider, moving a group to a richer tier, or cross-selling a supplemental product only happens if someone actually asks, in a structured conversation, at the right moment. The problem in 2026 is execution. Most brokerages have producers quoting new business all day, and nobody has spare hours to call hundreds of renewal accounts, confirm intent, quote the next term, and log the outcome. This guide ranks five options that help, from done-for-you managed AI calling campaigns to insurance CRMs and outsourced calling agencies, 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. 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. For health insurance brokerages, the Renewal Quoting & Upsell Calls campaign is built for exactly the moment a book of business 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. Because the calls happen well before the deadline, your producers still have time to save wavering accounts and follow up on unanswered calls.
Pros
- Fully managed: no software to buy, learn, or staff, and no per-seat charges or platform bill
- List and consent review before launch keeps calling TCPA-compliant and protects your brokerage's name
- Transparent pricing quoted before launch, with the rate locked for the campaign
- No invented numbers: reporting reflects what actually happened, with disposition codes and routed follow-ups
- You're told plainly if a list won't support the campaign, before you spend anything
Cons
- Not a self-serve platform; you approve campaigns rather than running calls yourself
- Requires an approved list with permission or consent records, and bought lists without clear permission are usually declined
- Script and escalation approval adds a short setup step before launch
- Campaign requirements vary by location, industry, and consent status; clients are responsible for obtaining appropriate legal guidance before launch
Best for: Health insurance brokerages and multi-location benefits organizations (typically 1 to 200+ staff) with recurring group or individual policies who want structured renewal quoting and upsell calls run for them on approved, permissioned lists, without hiring callers or buying dialer software.
#2 Call Savvys — $1,200 to $3,300 per month, month to month, no setup fee
Call Savvys is a done-for-you calling agency that works aged and fresh insurance lists, including Medicare, final expense, life, and P&C, and it sets appointments so your licensed agent does the quoting. According to its website, callers qualify the prospect and book the appointment, with a written guarantee of 10 to 20 qualified leads per caller per month. The company started in real estate and runs the same managed calling engine for insurance, with DNC-scrubbed lists, a free CRM (Pipelio), and skip tracing at $0.03 per record. For brokerages, this model fits the renewal motion where you need volume dials against an existing book and someone else making them. The company publishes pricing of $1,200 to $3,300 per month, month to month with no setup fee, and says campaigns are dial-ready in about five days. It's a human-caller agency, so per-contact costs run higher than AI-driven calling, and the written guarantee is the anchor of the offer.
Pros
- Written leads guarantee, which is rare in this market
- Month-to-month pricing with no setup fee and dial-ready in about five days
- Free CRM and DNC-scrubbed lists reduce admin overhead
- Callers qualify and set appointments so licensed agents focus on quoting
Cons
- Priced for guaranteed outcomes, not the lowest hourly rate
- Started in real estate, so not built for general multi-industry campaigns
- Human-caller model costs more per contact than AI-driven calling
- Appointment-setting focus, not renewal quoting specifically
Best for: Insurance agencies and brokerages that want a human-caller agency with a written leads guarantee, and that have licensed agents ready to quote and close the appointments the callers set.
#3 Ringy — $119/month
Ringy is a CRM purpose-built for insurance agents and agencies, and it earned a spot on Ringy's own comparison of health insurance CRM software as the best all-in-one option for small to mid-sized agencies. According to that published comparison, Ringy combines VoIP calling, SMS, and email in one platform, so agents never miss a touchpoint, and it includes policy and renewal tracking with automated reminders ahead of expiration dates. Lead management captures and prioritizes leads from web forms, calls, or imports, and customizable workflows automate follow-ups and outreach for retention. Reporting covers sales performance, campaign effectiveness, and agent productivity. For renewal quoting and upsell work, Ringy is a software platform your own team operates: it gives you the reminder triggers, the communication channels, and the tracking, but your staff still make the calls. Pricing is published at $119 per month, which makes it a practical choice for agencies that have the internal capacity to run renewal outreach themselves.
Pros
- All-in-one platform combining CRM, VoIP, SMS, and email in one price
- Automated renewal reminders help prevent missed deadlines
- Purpose-built for insurance workflows rather than a generic CRM
- Published, simple pricing at $119 per month
Cons
- Software your team has to operate; no managed calling campaigns
- Less suited for large enterprise ecosystems, per Ringy's own comparison
- Renewal outreach depends on staff capacity to actually dial
- No AI-driven outbound calling described in the research
Best for: Small to mid-sized health insurance agencies that want renewal tracking, calling, and texting built into one CRM and have staff available to make the calls themselves.
#4 AgencyBloc — Contact for pricing
AgencyBloc is an agency management platform aimed at benefits and group health insurance, which makes it a natural fit for health insurance brokerages managing recurring group policies. According to Ringy's published comparison of health insurance CRM software, AgencyBloc's strengths are benefits and group health policy tracking, commissions management, and compliance support. That policy tracking is what feeds a renewal motion: when group plan renewal dates, carrier details, and commission schedules live in one system, your team can see what's coming due and who owns the account. The same comparison notes its main limitation, that it's less flexible for P&C or life insurance, which confirms it's a specialist tool. Pricing is not disclosed publicly, so you'll need to request a quote. It's software, not a calling service, so renewal quoting and upsell conversations still depend on your producers and account managers picking up the phone, but the system gives them the structured data to know who to call and when.
Pros
- Specialized for benefits and group health, the core of most health brokerage books
- Commissions management alongside policy tracking
- Compliance support built for insurance workflows
Cons
- Less flexible for P&C or life lines, per the published comparison
- No published pricing, so budgeting requires a sales conversation
- Software only; no calling capability, so your team makes the renewal calls
- Renewal outreach depends entirely on internal staff capacity
Best for: Benefits and group health brokerages that need policy tracking and commissions management in one system and run renewal outreach with their own staff.
#5 EZLynx — Contact for pricing
EZLynx, now owned by Applied Systems, is a personal lines comparative rater with an agency management system attached, and it appears in Gravity Certs' roundup of policy renewal automation tools as especially valuable when personal-lines renewal work is tied closely to quoting, carrier access, and comparative rating. According to that roundup, EZLynx helps agencies that write coverage at volume identify opportunities early, prompt a review, and 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, because automation shouldn't train clients to expect a full-market re-shop every year. With a vendor-reported 300+ carrier connections and consumer self-quoting, it covers the quoting layer of the renewal motion well. It's software, though, not a calling service: the renewal conversation itself still belongs to your team. Pricing isn't published in the research, so contact the vendor for a quote.
Pros
- Broad carrier panel makes remarketing at renewal fast
- Renewal automation tied directly to quoting, which is where health-adjacent personal lines live
- Retention tools built alongside the rater
Cons
- Consumer quoting flow is still fundamentally a form, with the completion problems that implies, per published analysis
- Software platform; no outbound calling, so renewal calls depend on your staff
- No published pricing in the research
- Personal lines focus; group health renewal workflows are not its center of gravity
Best for: Independent agencies and brokerages writing personal lines at volume that want renewal workflows tied directly into comparative rating and carrier access.
The right renewal quoting and upsell solution for a health insurance brokerage depends on one honest question: who is actually going to make the calls? If your producers have capacity and you just need the data and reminders, a CRM like Ringy or AgencyBloc, or a rater-plus-AMS like EZLynx, gives your team the structure. If you want guaranteed appointment volume from human callers, Call Savvys puts a number in writing. But if you want the calls made for you, at scale, on approved and permissioned lists, with compliance handled and outcomes routed straight into your CRM, My AI Call Center is the editor's choice for 2026. Calling starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign and the full cost quoted before launch. The first campaign review is free, and nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. If your renewal calendar is fuller than your staffing, start with a campaign review at myaicallcenter.app and see what a structured renewal quoting campaign would actually cost, before you spend anything.
Frequently asked questions
What makes My AI Call Center different from other options on this list?
It's a managed service, not software. You buy campaigns that the team runs for you, scoped around one clear goal and quoted in full before launch. It only calls approved, permissioned, or reviewed lists, checks consent records before any campaign launches, and reports what actually happened with disposition codes and per-call notes rather than invented metrics. Pricing starts at 9¢ per connected minute with the rate locked for the campaign, and there are no per-seat charges or platform bills.
When should renewal quoting calls start for health insurance policies?
My AI Call Center's renewal campaigns typically launch 30 to 60 days before the renewal date. That window gives your team time to save wavering accounts, follow up on unanswered calls, and prepare quotes before the deadline. For commercial or group lines, some agencies run a longer 120-, 90-, 60-, and 30-day cadence with separate tasks for exposure updates and proposals, but the 30 to 60 day calling window is where the renewal conversation itself happens.
Can AI legally make renewal calls for an insurance brokerage?
Requirements vary by location, industry, contact type, consent status, and technology, and clients are responsible for obtaining appropriate legal guidance before launch. My AI Call Center treats AI-generated voices as artificial voices under the TCPA, requires prior express consent, makes AI disclosure on every call, honors keyword opt-outs (STOP and REVOKE) immediately, respects state-specific quiet hours, and carries DNC requests into client records across all campaigns. Licensed-agent rules still apply to anything involving advice or binding, which is why hot calls transfer to your team.
Do these tools replace licensed agents?
No. A cold caller or AI voice cannot give a quote or bind coverage in the way a licensed agent can. The working model at My AI Call Center and at Call Savvys is qualification and appointment-setting: the call confirms intent, captures interest, and routes the hot prospect to your licensed agent live or into your CRM. The licensed work stays with you.
How much do renewal calling campaigns cost?
My AI Call Center charges from 9¢ per connected minute, tiered by volume, with most campaigns adding a one-time setup fee and a flat monthly management fee, all quoted before launch. Call Savvys publishes $1,200 to $3,300 per month for its human-caller agency. Software options range from $119 per month for Ringy to undisclosed pricing at AgencyBloc and EZLynx, where you request a quote.
Can renewal campaigns also handle upsells?
Yes. My AI Call Center's Renewal Quoting & Upsell Calls campaign confirms renewal intent, quotes the next term, and captures upsell interest in one structured conversation, whether that's a richer plan tier, a supplemental product, or an added coverage line. Industry data on upselling to existing clients suggests it converts far better than new business, which is why capturing it during the renewal call is the natural moment.
What if my list doesn't have clear consent records?
My AI Call Center reviews list source and consent records before any campaign launches. Bought lists without clear permission records are flagged and, in most cases, declined, and you're told plainly if the list won't support the campaign before you spend anything. That protects your brokerage's reputation and keeps the calling TCPA-compliant.