Health insurance brokerages work hard for every client on the book, and then quietly lose some of them each year. A member who misses a renewal, ignores an Annual Notice of Change, or drifts to another broker during AEP rarely announces the decision. They just go quiet. Industry research cited by Bain and Company puts the cost of re-engaging a lapsed customer at roughly one-fifth to one-seventh the cost of acquiring a new one, and Personify notes that a 5% increase in retention can lift profits by 25% to 95%. For a brokerage, retention is also where commissions live: when a Medicare Advantage member disenrolls, that renewal income disappears with them. Email alone rarely wins these people back. A lapsed member usually decided weeks or months ago, and the brokerages that recover them are the ones that reach out personally, at the right moment, with a real conversation. In this 2026 guide, we compare three providers that help health insurance brokerages run structured lapsed member re-engagement calls, from a fully managed AI calling service to conversational engagement platforms built for member-based organizations.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and a flat monthly management fee, all 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 an operating base in Austin, Texas. It doesn't sell you software your team has to learn. You buy campaigns that its team runs for you, each scoped around one clear goal and quoted in full before launch. Lapsed Member Re-Engagement is one of its 17 core campaign types, and it maps cleanly onto what a health insurance brokerage needs: reach clients whose renewals went quiet, confirm whether they still want coverage help, and route warm responses back to your licensed producers. Win-Back & Reactivation Calling handles 12 to 24 month dormants, Renewal & Retention Calls run 30 to 60 days before renewal dates, and Database Reactivation Blitz Campaigns combine calls, texts, and emails over a structured two to four week window. Multi-language campaigns are available too, with Spanish the most common. What genuinely sets My AI Call Center apart is list discipline. The team only runs campaigns against approved, permissioned, or reviewed contact lists, never indiscriminate cold calling. List source and consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and, in most cases, declined. As the company puts it, they tell you plainly if the list will not support the campaign, before you spend anything. For a brokerage in a regulated, healthcare-adjacent field, that matters. Compliance is treated as a first-class concern: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, AI disclosure appears on every call, keyword opt-outs (STOP and REVOKE) and DNC requests are honored immediately and carried into client DNC records, and state-specific quiet hours and day restrictions are respected. Scripts, disclosures, opt-out handling, and escalation paths get your approval before anything launches, so a call can hand off to a human when a client asks for one. Reporting is honest by design. Every campaign closes with a named outcome report using disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, routed follow-up requests, a completion and coverage report, and opt-out and DNC logs. The company states it will never invent client logos, testimonials, metrics, or ratings. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run, and hot leads transfer to your team live or land in your CRM. Pricing is transparent: calling starts at 9 cents 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. No per-seat charges, no platform bill, no minimums you did not choose. The first campaign review is free.
Pros
- Fully managed service: no platform bill, no per-seat charges, no minimums you did not choose
- Strict list and consent discipline reduces TCPA and brand risk before you spend anything
- Full cost known before approving launch, with the rate locked and no mid-campaign changes
- Outcomes and follow-up requests route directly into the CRM and scheduling tools you already run
- No invented numbers: reporting reflects only what actually happened
Cons
- It is a managed service, not self-serve software, so you depend on the provider to execute campaigns
- Most campaigns include a setup fee and a flat monthly management fee on top of the per-minute rate
- Lists without clear consent records may be declined, which can limit who you are able to call
- Campaigns are scoped around one clear goal at a time rather than broad multi-objective outreach
Best for: Health insurance brokerages and multi-location insurance organizations (1 to 200+ staff) that want compliant, managed re-engagement calls run for them without hiring seasonal staff or operating calling software.
#2 PropFuel — Contact for pricing
PropFuel is a conversational engagement platform for email and SMS that member-based organizations use to understand why members lapse and guide them back to renewal. Its methodology centers on what the company calls Ask, Capture, Act: targeted questions surface each member's needs and reasons for lapsing, responses are captured in the platform, and organizations act on those insights with tailored follow-up. For a health insurance brokerage that runs a client loyalty program, a members-only benefits portal, or an association partnership, this is a real option if you want to know the reason behind the silence before pitching a policy review. According to their website, one PropFuel client study found that 53% of responding lapsed members in 2022 were not even aware their membership had lapsed, which is a communication gap the platform is designed to close. The documented results are notable. PropFuel reports that INCOSE reinstated 1,023 members between September 2022 and December 2023 using its campaigns, and that the American Academy of Pediatrics saw 739 members reinstate through a lapsed-member nurture campaign, which the company describes as an 80% win-back rate. The platform also supports SMS touchpoints at key moments in the membership cycle, such as grace-period reminders, and encourages ongoing dialogue about renewal and communication preferences after a win-back. One limitation matters for this use case: PropFuel is email and SMS focused and does not run outbound phone calling campaigns. If your re-engagement strategy depends on a live conversation to save a renewal, you would use PropFuel alongside a calling partner rather than instead of one.
Pros
- Documented win-back results across named member organizations
- Surfaces the reasons members lapse, not just the fact of it
- Multi-channel email and SMS engagement
- Nurture campaigns extend the conversation after initial interest
Cons
- Email and SMS focused, with no outbound phone calling service
- Pricing is not published on their site
- Designed primarily for associations rather than insurance brokerage business models
- Your team designs and runs the campaigns rather than a managed service doing it for you
Best for: Membership organizations and brokerages with member programs that want insight-driven, question-based win-back campaigns over email and SMS.
#3 Revmo AI — Contact for pricing
Revmo AI is a healthcare-focused AI voice agent platform designed for multi-location medical groups, FQHCs, and health systems, and its capabilities can extend to healthcare-adjacent outreach such as re-engaging lapsed plan members or clients of a health insurance brokerage. According to their website, Revmo handles patient scheduling and call overflow across every location, verifies identity (name and date of birth) before touching any record, and connects to your EMR and scheduling stack through API-first integrations, using browser automation when an API is not available. For re-engagement specifically, Revmo offers event-triggered outreach, including appointment reminders, no-show follow-up, and lapsed-patient re-engagement triggered by real context rather than static rules. That context-driven triggering can help a brokerage reach a client at the right moment, such as after a missed plan review, rather than on a fixed calendar. On the compliance side, which matters for any organization touching health-related information, Revmo supports HIPAA compliance with a BAA available, is SOC 2 Type II certified and PCI DSS compliant, and keeps a full audit trail on every interaction. Bilingual English and Spanish support is built in, and the company reports a 61% increase in Spanish AI call completion for one client. Revmo also offers a distinctive evaluation path: a free 7-day Listen-In audit that transcribes and categorizes inbound calls so you can see missed-call rates and coverage gaps before the AI answers anything. One large federally qualified health center reported 70.9% of calls handled by AI start to finish within 90 days and 40% fewer abandoned calls. The platform is oriented toward healthcare patient operations rather than insurance membership marketing, so a brokerage should expect to adapt its framing, and pricing requires custom quoting.
Pros
- Strong healthcare compliance posture (HIPAA with BAA, SOC 2 Type II, PCI DSS)
- Deep system integrations with write-back capability
- Free 7-day audit provides real data before any commitment
- Proven at scale from 1 to 174+ locations
Cons
- Oriented toward healthcare patient operations rather than membership re-engagement campaigns
- Pricing is not published and requires custom quoting
- May be more platform than a smaller brokerage needs
Best for: Multi-location healthcare and insurance-adjacent operators that want AI voice agents embedded in their existing systems for compliant member and client outreach.
Winning back a lapsed member is one of the highest-return moves a health insurance brokerage can make, and it costs a fraction of replacing that client with a new one. The catch is that it takes a real conversation, done compliantly, with consent records in order and a licensed producer ready to catch the warm handoff. Of the three providers in this 2026 guide, My AI Call Center stands out for brokerages because it is a managed service built around exactly that: one clear campaign goal, strict list and consent review before you spend anything, TCPA-aware calling with AI disclosure on every call, and outcome reports that route renewed or interested clients straight back into your CRM. Pricing is transparent too, starting at 9 cents per connected minute with the full number known before launch and the first campaign review free. If your book of business has gone quiet in places, start with a free campaign review at myaicallcenter.app and see what a structured re-engagement campaign could recover before the next enrollment window opens.
Frequently asked questions
Why are phone calls better than email for re-engaging lapsed insurance clients?
The MemberWise Network points out that members usually decide to lapse weeks or months before renewal, so by the time they go quiet they have often stopped reading your emails entirely. A phone call gives them a chance to ask questions, voice a frustration, or renew on the spot, which no email can do. Research cited by Bain and Company also puts the cost of re-engaging a lapsed customer at roughly one-fifth to one-seventh the cost of acquiring a new one, so the call usually pays for itself. The key is doing it compliantly, with consent records in order, which is why a managed, compliance-forward provider like My AI Call Center can be safer than ad-hoc dialing by your own staff.
What makes My AI Call Center different?
My AI Call Center is a managed service, not software. You buy structured campaigns that its team runs for you, each scoped around one clear goal and fully quoted before launch. Its biggest differentiator is list discipline: it only calls approved, permissioned, or reviewed lists, checks consent records before any campaign launches, and tells you plainly if a list will not support the campaign before you spend anything. Compliance is built in, with AI disclosure on every call, TCPA-aware handling of AI voices, keyword opt-outs, and DNC logs. Reporting uses disposition codes and per-call notes, and the company commits to never inventing client logos, testimonials, metrics, or ratings.
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 locked for the campaign. Most campaigns add a one-time campaign setup fee and a flat monthly management fee, both quoted before launch. There are no per-seat charges, no platform bill, and no minimums you did not choose. The first campaign review is free, so you know the full number before approving anything.
Can a brokerage use AI calling for clients in a regulated, healthcare-adjacent field?
Yes, but consent and disclosure discipline matter. My AI Call Center treats AI-generated voices as artificial voices under the TCPA, requires prior express consent, puts AI disclosure on every call, honors keyword opt-outs like STOP and REVOKE immediately, and carries DNC requests into client DNC records. Recipients can ask whether a call is AI-assisted, request a human, or opt out, and escalation paths are approved by you before launch. My AI Call Center notes that campaign requirements vary by location, industry, contact type, consent status, and technology, and that clients are responsible for obtaining appropriate legal guidance before launch. Revmo AI is another compliance-strong option, with HIPAA support via a BAA and SOC 2 Type II certification.
Is PropFuel a good fit for an insurance brokerage?
It can be, with the right expectations. PropFuel has documented win-back results, including INCOSE reinstating 1,023 members and the American Academy of Pediatrics achieving an 80% win-back rate on a lapsed-member nurture campaign. Its Ask, Capture, Act methodology surfaces why members lapse, which is genuinely useful intelligence. The limitation is that it is email and SMS focused with no outbound phone calling, and it was designed primarily for associations. A brokerage would typically use it alongside a calling partner rather than instead of one.
How far in advance should a brokerage start re-engagement calls before a renewal date?
My AI Call Center schedules Renewal & Retention Calls 30 to 60 days before the renewal date, which lines up with how insurance renewals and Annual Enrollment Period timing actually work. For longer-dormant contacts, its Win-Back & Reactivation Calling targets 12 to 24 month dormants. Starting early matters because, as the MemberWise Network notes, the decision to lapse is usually made well before the renewal date, so the conversation needs to happen while there is still time to save the relationship.
Do these providers handle opt-outs and do-not-call requests?
My AI Call Center does this explicitly: opt-outs are logged and honored immediately, keyword opt-outs (STOP and REVOKE) are recognized, and DNC requests are respected across all campaigns and carried into client DNC records. It also provides opt-out and DNC logs as part of every campaign's completion report. Revmo AI keeps a full audit trail on every interaction as part of its compliance posture. PropFuel handles engagement over email and SMS, where unsubscribe handling is standard but phone-specific DNC rules do not apply.