Insurance loyalty programs only pay off when policyholders actually enroll, and enrollment rarely happens on its own. Customers interact with insurers a few times a year, research from Bain shows switching rates in property and casualty markets rose over the past decade, and the Chartered Insurance Institute found more than 80% of insurance customers expect their insurer to address pricing to maintain loyalty. In that environment, a rewards program you launch quietly and promote once will sit mostly unused. What moves the needle is structured outbound outreach: calls to existing policyholders and agency clients that explain the program, confirm interest, and route enrollments back into your systems. In 2026 the options include managed AI calling services, loyalty operations agencies, and enterprise loyalty platforms. Some are built for the phone; others are the loyalty engine your enrollment calls feed into. This guide compares six solutions on real features, pricing transparency, and fit for insurance agencies, so you can match the right tool to your client list, consent posture, and budget.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume, plus a one-time campaign setup fee and 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 from AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. It is not software you configure yourself; you buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. For insurance agencies, the flagship Loyalty Program Enrollment campaign calls approved, permissioned, or reviewed client lists to enroll existing policyholders and agency clients into rewards programs, with enrollment confirmations and follow-up requests routed directly back into the CRM and scheduling tools you already run. The service pairs naturally with Renewal & Retention Calls, which run 30 to 60 days before a policy renewal date, so enrollment outreach can land at the moment loyalty matters most.
Pros
- Managed service: list review, scripting, compliance, monitoring, and reporting handled for you
- Strict list and consent discipline; unsupportable lists declined before you spend anything
- Full campaign cost known before launch, and the rate does not move mid-campaign
- Real outcome reporting with no invented numbers, logos, or testimonials
- Pairs naturally with renewal and retention calling around policy renewal dates
Cons
- It is a service, not self-serve software, so campaigns are run for you rather than configured in-house
- Requires documented consent records on your client list before launch
- Setup and management fees are quoted per campaign rather than published as flat rates
Best for: Insurance agencies and multi-location brokerages that want a managed, compliance-forward calling service to enroll existing policyholders into loyalty programs, without hiring staff or buying call center software.
#2 TTEC — Contact for pricing
TTEC provides loyalty customer care, member engagement, campaign operations, analytics, and customer experience services. According to Worldmetrics' 2026 review, TTEC's engagement model aligns loyalty program work to operational delivery, including member servicing workflows and escalation paths that reduce redemption friction. The review positions it strongest when loyalty is tied to real customer interactions, where agent guidance, issue handling, and membership changes matter as much as catalog publishing. For an insurance agency, that means enrollment questions, membership changes, and redemption disputes can be handled by trained agents within an established customer service operation. The tradeoff the review flags is that loyalty execution depends on TTEC's process involvement and coordination, which can slow rapid in-house iteration. Coverage is best evaluated around the end-to-end workflow, from member enrollment through redemption support, rather than expecting a standalone self-serve loyalty software product.
Pros
- Managed loyalty operations with clear handling of membership and redemption issues
- Program governance keeps campaign rules consistent across channels
- Strong value rating (9.3/10 on value per Worldmetrics) relative to peers
- Agent workflows suit phone-based enrollment conversations
Cons
- Execution depends on TTEC's process involvement, which can slow in-house iteration
- Not a self-serve software product
- Contact-for-pricing model makes upfront budgeting harder
Best for: Agencies and carriers implementing a loyalty program with service-heavy enrollment and redemption needs, frequent member support, or multi-channel campaign orchestration requiring consistent operational rules.
#3 Epsilon — Contact for pricing
Epsilon provides loyalty strategy, customer data services, personalization, analytics, and member communications. According to Worldmetrics' 2026 review, its core fit is using customer data and marketing execution to run loyalty campaigns that connect member behavior to offers, activation journeys, and reporting. Member enrollment and identity resolution are positioned to reduce duplicate profiles and improve household or account-level attribution for redemption and campaign responses. For insurance agencies with larger books of business, that identity layer matters: policyholders often appear in multiple systems, and clean profiles make enrollment counts and redemption reporting trustworthy. The review notes a tradeoff: the highest value depends on clean customer data flows into Epsilon systems and disciplined governance of promotion and redemption rules, so data readiness and integration work gate how fast you can launch. It is a strong fit when a large agency or carrier needs loyalty tied to marketing performance measurement, not just a standalone points catalog.
Pros
- Ties loyalty execution to audience targeting and marketing measurement
- Identity resolution supports cleaner enrollment and redemption attribution
- Highest overall score in Worldmetrics' 2026 loyalty services ranking (9.3/10)
- Rules-based orchestration keeps offer eligibility consistent
Cons
- Data readiness and integration work gate program speed to launch
- Complex rule stacks increase operational governance overhead
- Requires defined success metrics and event instrumentation before analytics are useful
Best for: Enterprises and large agency groups that need loyalty tied to marketing activation, identity resolution, and incremental lift measurement.
#4 Kobie Marketing — Contact for pricing
Kobie Marketing is a loyalty marketing agency focused on program design and customer engagement strategy. According to Worldmetrics' 2026 loyalty management review, Kobie fits loyalty teams that need marketing execution and lifecycle campaign management support, with campaign-led loyalty operations that connect member messaging to enrollment and redemption touchpoints. The company has history in the insurance space specifically: Avenge Digital's coverage of insurance loyalty programs quotes Bob Konsewicz, a strategic consultant at Maritz Loyalty, on targeting top customers, and Kobie's president Michael Hemsey is quoted in the same piece recommending that insurers figure out which customer relationships matter most and design rewards around them. That insurance background is a genuine plus for agencies. The tradeoff, as with most agency-led models, is that you are buying services and strategy rather than a tool your team operates directly, so timelines and costs depend on scope and engagement.
Pros
- End-to-end loyalty design and execution under one partner
- Leadership with direct insurance loyalty experience (Michael Hemsey, president)
- Strong ease-of-use rating in Worldmetrics' 2026 review (8.6/10 overall)
- Campaign-led approach suits enrollment pushes
Cons
- Agency engagement model, not self-serve tooling
- Pricing not published, so budgeting requires a sales conversation
- Delivery timelines depend on scope and stakeholder sign-off
Best for: Insurance agencies and carriers that want a loyalty marketing partner to design the program and run enrollment and lifecycle campaigns, rather than operating software themselves.
#5 Merkle — Contact for pricing
Merkle is a performance marketing agency with dedicated loyalty and customer experience services. According to Worldmetrics' 2026 review, Merkle works best when loyalty is treated as a cross-channel program with defined business rules and operational accountability. Delivery spans loyalty program design, member enrollment and lifecycle management, and rule governance for points-based economics. Integration work typically connects loyalty activity to customer profiles and transactional systems so earn and burn behavior stays consistent across touchpoints, which matters for insurers juggling policy systems, CRMs, and marketing platforms. The review's standout framing is governed loyalty program economics built around partner and operational workflows, not just marketing campaign management. The tradeoff is heavier services engagement than software-only loyalty tooling: if the goal is a quick, lightweight points program, Merkle is likely more than you need. It fits situations where stakeholders need managed orchestration of member journeys, reward operations, and settlement workflows.
Pros
- End-to-end loyalty operations support across strategy, design, and execution
- Governed rules reduce drift in eligibility and redemption logic
- Strong ease-of-use sentiment in Worldmetrics' review (9.2/10 on that dimension)
- Integration delivery connects loyalty to existing customer profiles
Cons
- Heavier services engagement than software-only tooling
- Longer delivery timelines when program rules need extensive governance
- Complex scope increases coordination across internal teams
Best for: Agencies and carriers that need managed loyalty execution with defined business rules, governance, and system integrations across policy and CRM systems.
#6 Dunnhumby — Contact for pricing
Dunnhumby provides customer data and loyalty analytics services, best known for retail but applicable to any organization running a managed loyalty program. According to Worldmetrics' 2026 review, its work spans loyalty strategy, program design, and campaign execution support, with engagement anchored to measurable member actions and commercial outcomes. Analytics steer targeting and offer logic, which is useful when an insurance agency wants to identify its most valuable policyholders before deciding who to invite into a rewards tier. The review's standout feature is managed program execution that ties analytics outputs to reward decisions and campaign orchestration, not only loyalty tooling, with tighter control over earn and burn rules, reward availability, and redemption performance monitoring. The tradeoff is that complex integrations and governance workflows require joint implementation effort with IT and marketing teams, and program change cycles can be slower when many stakeholders require sign-off. For a smaller agency, that weight may be more than the program needs.
Pros
- Retail-grade analytics applied to loyalty design and campaign decisions
- Operational delivery supports consistent reward logic and redemption governance
- Top overall score (9.2/10) in Worldmetrics' 2026 loyalty management ranking
- Experienced cross-functional implementation approach
Cons
- Integration and governance workload increases project effort for internal teams
- Program change cycles slower with many stakeholders
- Limited self-serve agility if requirements shift after launch
Best for: Larger agencies and carrier partners that want analytics-led loyalty operations with tight governance over reward rules and redemption performance.
Loyalty in insurance is hard because interaction frequency is low and switching is easy. Bain's decade of research found Net Promoter Scores for insurers improved in most countries by 10 to 30 percentage points, but only when carriers delivered on higher-order value like reducing anxiety, not just price. An enrollment campaign is one of the few moments you get a direct conversation with a policyholder about why staying with your agency is worth it, so it pays to run it well. If you want the calls handled for you, with list and consent review, TCPA-aware scripting, and outcome reports you can actually trust, start with My AI Call Center. The first campaign review is free, the full cost is known before you approve launch, and calling starts at 9¢ per connected minute. If you need the loyalty program engine and analytics behind those calls, Epsilon, Merkle, Kobie, Dunnhumby, or TTEC each bring real strengths. Match the tool to your list, your consent records, and your budget, then get the program in front of the policyholders who already trust you.
Frequently asked questions
Why do loyalty program enrollment calls matter so much for insurance agencies?
Insurance customers interact with their insurer far less often than retail customers, so there are few natural moments to promote a rewards program. Bain's research on insurance loyalty notes that low interaction frequency is a core challenge, and the Chartered Insurance Institute found more than 80% of insurance customers expect their insurer to address pricing to maintain loyalty. A structured enrollment call creates a direct conversation at a moment you control, explains the concrete value of the program, and confirms enrollment on the spot rather than waiting for a policyholder to notice a portal they may never visit.
What makes My AI Call Center different from the other options on this list?
It is the only managed outbound calling service on the list. My AI Call Center runs Loyalty Program Enrollment campaigns for you against approved, permissioned, or reviewed lists, with list source and consent records checked before launch. Bought lists without clear permission records are flagged and in most cases declined. Every call carries AI disclosure, opt-outs via STOP and REVOKE are honored immediately, and DNC requests carry across campaigns. Pricing is known before launch: calling starts at 9¢ per connected minute with the rate locked for the campaign, plus setup and management fees quoted upfront. The other five options are loyalty operations agencies or analytics-led loyalty partners; they design and govern programs but do not run the enrollment calls themselves.
How much does a loyalty enrollment calling campaign cost?
With My AI Call Center, calling starts at 9¢ per connected minute, tiered by volume, with a one-time campaign setup fee and a flat monthly management fee, all quoted before launch. The first campaign review is free. The agency and analytics providers on this list (TTEC, Epsilon, Kobie Marketing, Merkle, Dunnhumby) do not publish pricing; budgeting requires a sales conversation. As a rough benchmark, Worldmetrics notes enterprise loyalty platforms in adjacent categories often range from $1,500 to $5,000+ per month, though that figure reflects software platforms rather than managed calling services.
What compliance rules apply to AI-powered enrollment calls?
My AI Call Center treats AI-generated voices as artificial voices under the TCPA, which means prior express consent is required before calling. Every call includes AI disclosure, recipients can ask whether the call is AI-assisted, request a human, or opt out with STOP or REVOKE keywords. State-specific quiet hours, day restrictions, and registration rules are honored, and DNC requests are respected across all campaigns and carried into client DNC records. The company notes that campaign requirements vary by location, industry, contact type, and consent status, and recommends clients obtain appropriate legal guidance before launch.
Can enrollment calls connect to the CRM and policy systems my agency already uses?
With My AI Call Center, yes. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run. Hot leads transfer to your team live or land in your CRM. Every campaign ends with a named outcome report containing disposition codes (confirmed, qualified, enrolled, opted out, no answer), per-call notes, a dispositioned contact list, completion and coverage reports, and opt-out and DNC logs. The loyalty platforms on this list (Epsilon, Merkle, Dunnhumby) also emphasize integration, connecting loyalty activity to customer profiles and transactional systems so earn and redemption behavior stays consistent.
Should I use open or closed enrollment for my agency's loyalty program?
Research from Extu (formerly Incentive Solutions), based on internal study of 35 successful programs, found closed enrollment programs produced higher engagement: top-performing programs showed 60% of enrolled participants active after one year and 75% after two, versus 24% and 34% for open enrollment. Closed enrollment works by inviting participants you already know, which fits insurance agencies well since you hold the client list. The tradeoff is reach. Open enrollment builds a broader data picture and suits programs targeting unknown end users. Many agencies start closed with their best clients, then expand.
How do I choose between a managed calling service and a loyalty platform for enrollment?
Ask who makes the phone ring. A loyalty platform like Epsilon or Dunnhumby runs the program engine, points rules, and analytics, but enrollment still needs outreach to drive sign-ups. A managed calling service like My AI Call Center makes those calls directly and routes enrollments back to your systems. Many organizations use both: the calling service drives enrollment, and the platform manages rewards and redemption afterward. If your budget only covers one and your bottleneck is getting policyholders enrolled, start with the calling service, since enrollment volume is the lifeblood of the program and platforms have nothing to manage until members join.