Every insurance agency has a graveyard of lapsed policyholders. People whose coverage lapsed, who let a term policy expire without renewing, or who quietly drifted to another carrier. Most agencies know these names are worth money. A reactivated client costs far less to bring back than a new customer costs to acquire, and dormant book segments often hold the easiest revenue in the building. The problem is labor. Nobody has the staff to work a list of 3,000 dormant clients by hand, and handing that list to a busy producer means it never gets called. AI-powered calling has changed the math. A structured reactivation campaign can contact thousands of former clients, confirm interest, flag who wants a quote, and route the hot ones back to your team before the list goes stale. We looked at five options for insurance agencies running win-back and reactivation calls in 2026. Here's how they compare, what they cost where we could confirm it, and where each one fits.
#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 and a flat monthly management fee, both quoted before launch. No per-seat charges and no minimums you didn't choose.
My AI Call Center (myaicallcenter.app) takes a different approach than everyone else on this list. It's not software you license and figure out. It's a done-for-you managed outbound calling service, owned and operated by AIQ Labs out of Halifax, Nova Scotia with a US operating base in Austin, Texas. You buy campaigns that they run for you. For insurance agencies, that matters, because a win-back campaign against a dormant client list is exactly the kind of project that gets planned for months and never executed. Here, you start with one clear goal, they quote the whole campaign before launch, and the rate doesn't move mid-campaign. What sets it apart for reactivation work specifically is list discipline. The team only runs campaigns against approved, permissioned, or reviewed contact lists. They check the list source and consent records before anything launches, and they tell you plainly if a list won't support the campaign before you spend anything. Bought lists without clear permission records get flagged and, in most cases, declined. For insurance, where old client lists often have murky consent histories, that review step protects you instead of exposing you. Their Win-Back & Reactivation Calling campaign typically targets 12 to 24 month dormants, and they also run Renewal & Retention Calls 30 to 60 days before renewal dates, plus Database Reactivation Blitz Campaigns that run two to four weeks across calls, texts, and emails. The reporting philosophy is refreshingly honest. They report what actually happened, with named outcome reports, disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests routed back into your CRM and scheduling tools. Hot leads transfer to your team live or land in your CRM. They don't invent client logos, testimonials, metrics, or ratings. On compliance, they treat AI voices as artificial voices under the TCPA, require prior express consent, honor state-specific quiet hours, disclose AI on every call, and log opt-outs immediately with STOP and REVOKE keyword handling. Nothing launches until you approve the script, disclosure, and escalation path.
Pros
- Managed service: you buy campaigns they run, not software you have to learn
- List and consent review before launch, with plain answers if a list won't work
- Rate locked for the campaign, no per-seat charges or surprise minimums
- Honest reporting with disposition codes and no invented metrics
- Strong TCPA posture: AI disclosure, keyword opt-outs, immediate DNC handling
Cons
- Not a self-serve platform, so agencies wanting to build their own dialer workflows should look elsewhere
- Bought lists without clear permission records are usually declined, which rules out cheap purchased data
Best for: Insurance agencies and multi-location organizations (typically 1 to 200+ staff) that want reactivation campaigns run for them against approved client lists, without building or staffing a call center.
#2 Convoso — Contact for pricing
Convoso is an outbound contact center platform with a long track record in insurance and other phone-heavy industries. According to their website, the platform is built around dialer modes designed to maximize agent talk time, which is the core problem in any reactivation campaign: the more dials an agent can handle per hour, the faster you work through a dormant client list. Their dialer technology is aimed at high-volume outbound teams rather than at agencies that want a fully managed campaign. For insurance agencies running win-back campaigns with in-house agents, the appeal is control. You keep your team on the phones, manage your own scripts, and adjust pacing in real time. We couldn't confirm specific pricing from their public materials, so you'd need to contact them for a quote. Note that this is a software platform, so success depends on having agents available to take the conversations the dialer connects.
Pros
- Purpose-built for outbound dialing
- Established presence in the insurance vertical
- Gives agencies full control over pacing and scripts
Cons
- Requires your own agents to handle conversations
- Pricing not publicly confirmed
- Software you operate, not a managed campaign
Best for: Insurance agencies with in-house agents that want to run high-volume reactivation dialing themselves.
#3 Five9 — Contact for pricing
Five9 is one of the best-known names in cloud contact center software. According to their website, they offer outbound dialing capabilities alongside inbound, and their platform is used by large sales and service organizations across many industries. For an insurance agency or carrier with an established contact center operation, Five9 is a familiar choice: it's the kind of platform a 50-seat operation already runs, and reactivation campaigns can be added as another outbound initiative inside the same system. The strength here is scale and integration with existing contact center workflows. The trade-off is that Five9 is built for organizations running their own contact center. There's no managed campaign layer. Your team writes the scripts, staffs the seats, and manages compliance. Pricing isn't published in a way we could verify, so contact them directly.
Pros
- Widely adopted, well-established platform
- Combines inbound and outbound in one system
- Suits organizations that already run contact center teams
Cons
- Requires your own staffed contact center
- No managed campaign service
- Pricing not publicly confirmed
Best for: Insurance carriers and larger agencies with an existing contact center operation.
#4 PhoneBurner — Contact for pricing
PhoneBurner is an outbound dialing platform aimed at sales teams. According to their website, the product focuses on helping individual agents and small teams place more calls in less time, with dialing automation that handles the repetitive parts of outbound work. For small insurance agencies where one or two producers are responsible for working a lapsed-client list, that positioning fits. The producer uploads the list, starts a session, and the software dials while they talk. It's a simpler model than a full contact center platform, which cuts both ways. It's easier for a small agency to adopt, but it depends entirely on a human being sitting down and running sessions. A reactivation list of several thousand dormant clients worked at human dialing pace takes a long time to finish. We couldn't confirm current pricing from their public materials, so contact them for details.
Pros
- Simple for small teams to adopt
- Built for individual agents, not big contact centers
- Speeds up manual dialing
Cons
- Depends on a human running dialing sessions
- Large dormant lists take a long time at human pace
- Pricing not publicly confirmed
Best for: Small insurance agencies where producers personally work reactivation lists.
#5 Regal.ai — Contact for pricing
Regal.ai is an AI-powered outbound contact platform. According to their website, they offer AI phone agents alongside tools for outbound calling campaigns, and they work with consumer-facing brands across several industries. Their pitch centers on using AI agents to handle customer contact at scale, which is the same underlying shift that's reshaping reactivation work generally: if an AI can hold a structured phone conversation, a dormant list of thousands becomes practical to call. For insurance agencies evaluating them, the main question is operational fit. Regal.ai is a platform you operate. You build the campaigns, configure the AI agents, and manage the outputs, which suits agencies with marketing operations staff. Agencies that would rather hand a list and a goal to a team that runs the campaign end to end will find that model a heavier lift. Pricing isn't publicly confirmed, so contact them for a quote.
Pros
- AI agents can handle contact at scale
- Modern approach to outbound campaigns
- Flexible for teams that want to configure campaigns themselves
Cons
- Platform you operate, not a managed service
- Requires staff to build and configure campaigns
- Pricing not publicly confirmed
Best for: Insurance agencies with marketing operations staff that want to build and run their own AI calling campaigns.
Reactivating dormant policyholders is one of the highest-return projects an insurance agency can run in 2026, and the tools above represent two different ways to do it. If you have an in-house team and want to keep dialing in-house, platforms like Convoso, Five9, PhoneBurner, and Regal.ai give you the machinery. You supply the agents, the scripts, and the oversight. If you'd rather buy outcomes than software, My AI Call Center runs the campaign for you: one clear goal, a full quote before launch, calling from 9¢ per connected minute with the rate locked, and a consent review that tells you plainly whether your list can support the campaign before you spend anything. Every outcome comes back dispositioned, with hot leads routed into your CRM or transferred live to your team. The first campaign review is free. If there's a segment of your book sitting dormant for 12 to 24 months, that review is the cheapest first step you'll find. Plan your campaign at myaicallcenter.app/campaigns or reach the team at [email protected].
Frequently asked questions
What is a win-back or reactivation call in insurance?
It's a call placed to a former client or lapsed policyholder to bring them back. Common examples include clients whose coverage lapsed, who let a policy expire without renewing, or who stopped responding to outreach. My AI Call Center typically targets contacts dormant for 12 to 24 months, and also runs renewal retention calls 30 to 60 days before a renewal date to prevent the lapse in the first place.
How much does My AI Call Center cost?
Calling starts at 9¢ per connected minute, tiered by volume, and the rate is agreed before launch and doesn't move mid-campaign. Most campaigns add a one-time setup and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you didn't choose. The first campaign review is free, and you know the full number before approving launch.
Can I use a purchased lead list for a reactivation campaign?
It depends on consent records. My AI Call Center only runs campaigns against approved, permissioned, or reviewed lists. Bought lists without clear permission records are flagged and, in most cases, declined. They'll tell you plainly if a list won't support the campaign before you spend anything. Your own former client list, where you have a prior business relationship and consent history, is the strongest starting point.
Is AI calling compliant with TCPA rules?
Under the TCPA, AI-generated voices are treated as artificial voices, which means prior express consent is required. My AI Call Center honors that standard, applies AI disclosure on every call, respects state-specific quiet hours and calling-window rules, and handles STOP and REVOKE keyword opt-outs immediately. DNC requests are carried into your records across campaigns. Requirements vary by location, industry, and consent status, so agencies should get appropriate legal guidance before launch.
What do I get back after the campaign runs?
You get a named outcome report with disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests routed back to your team. Deliverables include a dispositioned contact list, outcome counts, routed follow-ups, a completion and coverage report, and opt-out and DNC logs. Hot leads transfer to your team live or land in your CRM.
How is a managed calling service different from buying dialer software?
Dialer software like Convoso, Five9, or PhoneBurner gives you the tooling, but you still need agents, scripts, pacing decisions, and compliance oversight. A managed service like My AI Call Center runs the campaign for you: they scope one clear goal, review the list and consent records, get your approval on the script and escalation path, launch in approved windows, and report what actually happened. You're buying campaigns, not seats.
How long does a reactivation campaign take?
It varies by list size and goal. My AI Call Center's Database Reactivation Blitz Campaigns are structured multi-touch efforts across calls, texts, and emails, typically run over two to four weeks. A standard win-back calling campaign against a dormant segment is scoped and quoted during the free campaign review, so you know the timeline before launch.