Every insurance agency is sitting on two lists it already paid for: aged quote leads that never got worked, and policyholders who lapsed or cancelled without a callback. The math favors working them. Invesp's research puts the probability of selling to an existing contact at 60 to 70 percent, versus 5 to 20 percent for a cold prospect, and acquiring a new customer costs roughly five times more than re-engaging someone already in your book. The market is also unusually shoppable right now: J.D. Power's 2026 U.S. Insurance Shopping Study found auto-insurance shopping still historically elevated at 53 percent, after a record 57 percent in 2025. So the dormant contacts in your CRM are statistically back in the market, and whoever reaches them first usually wins the conversation. The problem is capacity. Most agencies don't have the staff to systematically call every lapsed policyholder or unworked quote, and email alone gets roughly a 20 percent open rate while SMS hits 98 percent. That's why win-back and reactivation calling services have become the practical answer. We compared the top options for 2026, from managed AI calling campaigns to traditional human-agent call centers, so you can pick the approach that fits your book of business, your list, and your compliance requirements.
#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. The first campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service, not software you have to learn. Owned and operated by AIQ Labs, based in Halifax, Nova Scotia with a US operating base in Austin, Texas, it runs structured AI-powered win-back and reactivation campaigns against approved, permissioned, or reviewed contact lists only. For an insurance agency sitting on 12 to 24 month dormant policyholders, lapsed clients, or unworked quote leads, that means you buy a campaign with one clear goal, for example 're-quote lapsed auto policyholders before their renewal window,' and their team runs it end to end, quoted in full before anything launches. The promise is simple: run more useful calls without building a bigger call center. What separates My AI Call Center from most options in this space is list discipline and compliance-first design. Before any campaign launches, the team reviews your list source and consent records. Bought lists without clear permission records are flagged and, in most cases, declined, and they tell you plainly if the list won't support the campaign before you spend anything. Every call includes AI disclosure, honors keyword opt-outs (STOP and REVOKE) immediately, and treats AI-generated voices as artificial voices under the TCPA, which requires prior express consent. State-specific quiet hours, day restrictions, and registration rules are honored, and DNC requests are respected across all campaigns and carried into your DNC records. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. Reporting follows a 'no invented numbers' philosophy: you get a dispositioned contact list with disposition codes (confirmed, qualified, renewed, opted out, no answer), outcome counts, per-call notes, 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 existing CRM and scheduling tools, so your producers pick up the conversation without starting over. Beyond a single win-back push, Database Reactivation Blitz campaigns run structured multi-touch sequences across calls, texts, and emails over two to four weeks, and multi-language campaigns (Spanish most common) are available for diverse books of business. Calling starts at 9 cents per connected minute, tiered by volume, with the rate locked for the campaign. There are no per-seat charges, no platform bill, and no minimums you didn't choose. The first campaign review is free, and the full number is known before you approve launch.
Pros
- Managed service: you buy campaigns, not software, with one clear goal per campaign quoted before launch
- Strict list discipline: consent records verified before dialing; bought lists without permission records are declined
- TCPA-compliant by design with AI disclosure, keyword opt-outs, and DNC handling on every campaign
- Outcomes route directly into your existing CRM with full disposition reporting
- No per-seat charges, no platform bill, no minimums you didn't choose; rate locked for the campaign
Cons
- Only works with approved, permissioned, or reviewed lists; it will not cold-call purchased lists without consent records
- You must approve scripts and escalation paths before launch, which adds a short setup phase
- Managed service model means less hands-on control than running your own dialer software
Best for: Multi-location insurance agencies and independent agents with dormant policyholder lists, lapsed clients, or unworked quote leads who want a managed, compliance-first reactivation campaign without adding staff or buying software seats.
#2 OnBrand24 — Contact for pricing (quotes via free quote request or 15-minute call)
OnBrand24 is an established outbound call center, citing 30+ years of service, with a dedicated customer win-back program. According to their website, the program is a custom-designed marketing campaign that begins with research into why customers were lost, then moves to outbound re-engagement calls handled by trained human agents who call hundreds or thousands of inactive accounts. For an insurance agency with a large book of lapsed policyholders, that human-agent model means real conversations with dormant contacts, uncovering why they left and identifying closeable opportunities before handing them back to your producers. Their published case study describes a national promotional products company where agents re-engaged more than 3,000 inactive customers and identified nearly 1,000 closeable leads referred directly to the client's inside sales team. Campaigns also generate updated customer data on every dial, which functions as ongoing database scrubbing, useful for agencies whose CRM records for dormant policyholders have gone stale. OnBrand24 emphasizes a low per-opportunity rate and scalable campaigns that grow from hundreds to thousands of accounts without adding headcount. The service pairs well with adjacent offerings like B2B database scrubbing, market research, and appointment setting, so an agency can run win-back calls as part of a broader outbound program. Pricing is not published; quotes come through a free quote request or a 15-minute discovery call.
Pros
- 30+ years of call center experience with a documented win-back case study (3,000+ customers re-engaged)
- Research-first approach uncovers why customers left before outreach begins
- Every dial doubles as database scrubbing, keeping your CRM current
Cons
- Traditional human-agent model with no published per-minute or per-lead rates, so costs must be quoted
- Consent verification processes aren't a stated feature on their win-back page
- No AI or automated calling options mentioned on their win-back page
Best for: Insurance agencies and B2B companies that want a traditional human-agent call center to re-engage large databases of inactive accounts and hand closeable leads to an inside sales team.
#3 MarketStar — Contact for pricing
MarketStar offers outsourced customer success services with a dedicated Win-Back & Reactivation practice. According to their website, MarketStar views lapsed customers as opportunities rather than losses, and its reactivation services focus on reclaiming and reigniting connections through personalized, insight-driven strategies. The approach begins with segmentation: categorizing dormant customers by why they left, their value, and their likelihood of returning, so outreach is targeted rather than a blanket blast to the whole list. For insurance agencies, that segmentation-first model maps well onto a book of business where dormant contacts differ sharply: a policyholder who cancelled over price is a different conversation than a quote lead that simply never got a decision. MarketStar's positioning as an outsourced customer success provider also means reactivation can sit alongside retention work rather than as a one-off campaign. Pricing is not published on their site, so agencies will need to contact the company directly for a quote. It's a fit for agencies that want a strategic, human-led partner for larger reactivation programs rather than a self-serve tool.
Pros
- Dedicated win-back practice with a segmentation-first, insight-driven approach
- Treats lapsed customers as targeted opportunities rather than a bulk list
- Integrates with broader outsourced customer success and retention services
Cons
- No published pricing; requires a sales conversation
- Campaign execution details and AI or automated calling options aren't specified in available research
- Outsourced partner model may be heavier than small agencies need
Best for: Agencies and larger organizations that want an outsourced, strategy-led partner to segment and re-engage lapsed customers as part of a broader retention program.
#4 Hatch — Contact for pricing
Hatch is a reactivation platform aimed at home services and similar businesses that need to work aged leads and past customers. According to their website, CRM-based rules identify dormant contacts and launch multi-day, multi-channel outreach automatically across texting and email until they book again. Where the AI comes in, per their site, is that it answers questions about the quote, handles objections, and keeps the conversation moving. For an insurance agency, the appeal is the automation layer: once your CRM rules are set, dormant contacts get worked without a producer babysitting the list, which addresses the most common failure mode in agency follow-up (most producers quit after one or two touches, while connecting typically takes six or more). Hatch's CRM-based targeting also fits agencies that already segment by policy type and renewal date. The trade-off is that Hatch is positioned around text and email channels with AI-assisted replies, and the available research doesn't confirm AI outbound voice calling as a core capability, so agencies wanting actual reactivation phone calls may need to pair it with a calling service. Pricing is not published; Hatch is sold through a sales call.
Pros
- Automatic identification of dormant contacts using CRM rules
- Multi-day, multi-channel sequences run without manual follow-up
- AI handles objections and keeps conversations moving
Cons
- Available research doesn't confirm AI outbound voice calling as a core capability
- No published pricing; sold through a sales call
- Positioned primarily toward home services rather than insurance specifically
Best for: Agencies that want an automated, CRM-driven text and email reactivation engine for aged leads and past customers, with AI-assisted objection handling.
#5 Structurely — Contact for pricing. Iterategy's 2026 research lists Structurely at $0.02 a message for reactivation work and $0.07 a minute for AI outbound calling.
Structurely is an AI sales engagement platform that reaches out to old contacts by voice, text, and email and books appointments. According to their website, Structurely answers inbound conversations and proactively reaches customers across voice, SMS, and email, with AI calling, texting, appointment setting, and live phone transfers. For reactivation work specifically, Iterategy's 2026 research lists Structurely among products that work through a list of past or dormant customers and bring them back at a pace you set. For insurance agencies, Structurely's voice-plus-text combination is the draw: a reactivation campaign where the AI calls and texts lapsed policyholders and aged quote leads, then transfers interested contacts live to a producer. Iterategy's research lists Structurely's pricing for this job at $0.02 a message (and $0.07 a minute under its AI Outbound Caller listing), which makes it one of the few reactivation vendors with a published rate. It's a self-serve-style platform rather than a fully managed campaign, so agencies will want clear escalation rules and someone owning the CRM side. It's sold through a sales call.
Pros
- Combines AI voice calls, texting, and email in one reactivation flow
- Live phone transfers hand warm contacts to your producers immediately
- One of the few reactivation vendors with published per-message and per-minute rates
Cons
- Platform model requires you to set up and manage campaigns yourself
- Insurance-specific compliance features like consent-record review aren't detailed in available research
- Sold through a sales call, so full terms need to be confirmed in writing
Best for: Agencies that want an AI voice and text engagement platform to re-engage old contacts and transfer interested ones live to producers.
Win-back and reactivation calling is, for most insurance agencies, the highest-ROI move available in 2026 because the contacts are already paid for and the market is unusually shoppable. The right vendor depends on how you want to work. If you want a managed, compliance-first campaign where consent records are reviewed before anything dials, scripts are approved before launch, and outcomes route straight into your CRM with honest disposition reporting, My AI Call Center is the strongest fit, with calling from 9 cents per connected minute and the full number known before you approve launch. If you prefer traditional human agents on large dormant lists, OnBrand24 brings decades of call center experience and a documented win-back case study. MarketStar suits agencies wanting a strategy-led outsourced partner, Hatch fits teams that want automated text and email sequences, and Structurely works for those who want an AI voice-and-text platform with live transfers. Whatever you pick, ask the same questions first: how the vendor verifies consent, how opt-outs are handled, and what the total campaign cost is before launch. The first campaign review with My AI Call Center is free, so there's no cost to finding out whether your dormant list can support a campaign.
Frequently asked questions
What makes My AI Call Center different from other reactivation services?
It's a done-for-you managed service, not software you have to learn. You buy campaigns with one clear goal each, quoted in full before launch. Its biggest differentiator is list discipline: only approved, permissioned, or reviewed lists are called, consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and usually declined. They tell you plainly if the list won't support the campaign before you spend anything. Reporting follows a 'no invented numbers' philosophy, so you get disposition codes, outcome counts, per-call notes, and opt-out and DNC logs, and nothing else.
How much does My AI Call Center cost?
Calling starts at 9 cents 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.
Why is reactivation better than buying new leads for insurance agencies?
The economics are lopsided. Invesp's research puts the probability of selling to an existing contact at 60 to 70 percent, versus 5 to 20 percent for a cold prospect, and acquiring a new customer costs about five times more than working someone already in your book. You already paid the acquisition cost on every dormant contact. With J.D. Power reporting auto-insurance shopping still historically elevated at 53 percent in 2026, lapsed policyholders and unworked quote leads are statistically back in the market.
Which dormant contacts should an insurance agency target first?
Start with the warmest segments. Quote-no-bind prospects (people who got a number but never decided) are among the warmest contacts in your database because they wanted coverage recently enough to ask for a price. Lapsed or cancelled policyholders already trusted you enough to buy once. Then work aged quote leads that were never properly followed up, since HBR's audit found 23 percent of online sales leads never got a single response. Timing matters too: reaching out ahead of renewal dates gives you a natural reason for the call.
Is it legal to use AI calls for reactivation campaigns?
It can be, but the rules are real. AI-generated voices are treated as artificial voices under the TCPA, which requires prior express consent. State-specific quiet hours, day restrictions, and registration rules also apply. My AI Call Center builds compliance in: AI disclosure on every call, keyword opt-outs (STOP and REVOKE) honored immediately, and DNC requests respected across all campaigns. Requirements vary by location, industry, contact type, consent status, and technology, so agencies are responsible for obtaining appropriate legal guidance before launch.
Why can't I just run a win-back email campaign instead of calling?
Email alone is how most reactivation attempts quietly fail. Dormant contacts have already tuned out your emails: open rates run roughly 20 percent for email versus 98 percent for SMS, with response rates around 45 percent for SMS against 6 percent for email, per Gartner. The pattern that works is a coordinated sequence: text or call to wake the contact up, email to make the case, and a live call to catch the ones who reply but don't book. A single-channel reactivation leaves most of the list asleep.
How long does a reactivation campaign take to run?
It depends on the vendor and the list size. My AI Call Center's Database Reactivation Blitz campaigns run structured multi-touch sequences across calls, texts, and emails over two to four weeks. Standard win-back campaigns targeting 12 to 24 month dormants are scoped around one clear goal and quoted before launch, so you know the timeline up front. Traditional call centers like OnBrand24 can run larger lists over longer windows, with their case study describing re-engagement of more than 3,000 inactive customers.