Insurance agencies face a retention problem that pricing alone can't fix. J.D. Power's 2019 U.S. Insurance Shopping Study found that the share of customers who said they "definitely will renew" with their carrier dropped from just over 59 percent to 48 percent between 2004 and 2018, and rising premiums have only sharpened that trend. A well-run loyalty program is one of the proven answers: research cited by Avenge Digital notes that 83 percent of loyalty program members say rewards make them more likely to keep doing business with a brand, and that acquiring a new customer costs roughly 500 percent more than keeping a current one. The hard part isn't designing the program, though. It's getting policyholders enrolled. Policyholders interact with their agency a few times a year at most, so email sign-up links quietly die in inboxes. A structured enrollment call, placed to a permissioned list at the right time, closes that gap. This guide compares six solutions that help insurance agencies drive loyalty program enrollment through calls and related outreach in 2026, from managed AI calling services to BPO call centers and loyalty technology platforms. We evaluate each on real features, pricing transparency, and fit for agencies of different sizes.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume. One-time campaign setup and a flat monthly management fee are quoted before launch. 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's 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 Loyalty Program Enrollment campaign calls approved, permissioned, or reviewed policyholder lists to walk current clients into your rewards or retention program, with enrollment confirmations and follow-up requests routed directly back into the CRM and scheduling tools you already run. Hot leads can transfer to your team live or land in your CRM, so a policyholder who wants to talk to a licensed agent right now doesn't get lost. The service also pairs naturally with its Renewal and Retention campaign, which runs 30 to 60 days before renewal dates, and its Win-Back and Reactivation calling for 12 to 24 month dormants. That combination matters for insurance specifically, because enrollment conversations and retention conversations are often the same conversation. The list discipline is a genuine differentiator. List source and consent records are checked before any campaign launches. Bought lists without clear permission records are flagged, and in most cases declined. If a list won't support the campaign, they tell you plainly before you spend anything. For a regulated industry like insurance, that posture is worth a lot. Compliance is built in rather than bolted on: AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required; every call carries AI disclosure; recipients can ask for a human or opt out with STOP or REVOKE keywords; opt-outs are logged and honored immediately; and DNC requests carry across all campaigns into your DNC records. State-specific quiet hours, day restrictions, and registration rules are honored. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. Pricing is transparent and predictable. 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 and a flat monthly management fee, both quoted before launch, with no per-seat charges, no platform bill, and no minimums you didn't choose. The first campaign review is free. Every campaign ends with a named outcome report: 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 company reports what actually happened and states plainly that it will never invent client logos, testimonials, metrics, or ratings. Multi-language campaigns are available, with Spanish the most common, which matters for agencies serving diverse policyholder bases.
Pros
- Managed service: list review, scripting, compliance, monitoring, and reporting are handled for you
- Strict list and consent discipline protects a regulated business before any money is spent
- Full campaign cost is known before launch and the rate is locked mid-campaign
- Real outcome reporting with no invented numbers, plus opt-out and DNC logs for your records
- Natural fit alongside renewal retention and win-back campaigns for dormant policyholders
Cons
- It's a service, not self-serve software; campaigns are run for you rather than configured in-house
- Requires documented consent records on your policyholder list before launch
- Setup and management fees are quoted per campaign rather than published as flat rates
Best for: Insurance agencies and multi-location insurance organizations that want a managed, compliance-forward calling service to enroll existing policyholders into loyalty programs without hiring staff or buying call center software.
#2 TeleDirect — Contact for pricing
TeleDirect is a U.S.-based insurance call center and BPO provider that handles policyholder communication for insurers and agencies in all 50 states. According to their website, services relevant to loyalty enrollment include member enrollment support, lead generation and qualification, appointment scheduling, and customer service inquiries, with agents available 24/7/365 including holidays. TeleDirect reports having handled 28,000 open enrollment calls, which speaks to their experience with high-volume insurance outreach of exactly the kind loyalty enrollment drives. Their agents follow client-defined workflows that reflect your branding and voice, with real-time information capture and routing based on escalation rules, and calls are logged with clear notations so policyholders never have to repeat information. Compliance is a stated strength. Their call centers operate under ISO/IEC 27001 information security standards, they align workflows with HIPAA and HITECH for health and life insurance providers handling protected health information, and they follow PCI DSS protocols when billing or recurring charges are involved. They also account for state-specific requirements for agencies operating across multiple jurisdictions. For insurance agencies that want human agents, not AI voices, making enrollment calls, TeleDirect is a proven outsourcing option. Note that it's a human-staffed BPO, so costs scale with agent hours rather than per connected minute, and pricing isn't published.
Pros
- Deep insurance-specific experience, including 28,000 open enrollment calls handled
- Strong compliance posture: ISO 27001, HIPAA/HITECH alignment, and PCI DSS protocols
- 24/7 coverage and the ability to scale agent headcount during peak periods
- Workflows customized to your brand, voice, and escalation rules
Cons
- Pricing isn't published, so budgeting requires a quote
- Human-staffed BPO costs typically scale with agent hours rather than per connected minute
- Enrollment calling is one of many services rather than a packaged loyalty enrollment campaign
Best for: Insurance agencies and carriers that want a human-staffed, compliance-aligned BPO partner for enrollment and policyholder communication at scale.
#3 Comarch — Contact for pricing
Comarch is a loyalty technology vendor with a dedicated insurance loyalty practice, and their published thinking on insurance rewards programs is among the most useful in the market. Their analysis covers what makes loyalty work differently in insurance: customers engage infrequently, products are complex, trust matters more than in retail, and price sensitivity erodes loyalty when policies look identical on paper. Their platform thinking draws on real programs like John Hancock Vitality, which rewards everyday wellness choices and can translate into premium savings of up to 25 percent, and AIA Vitality, where members climb status tiers for premium discounts of up to 20 percent. That tiered, behavior-based model is the design pattern Comarch helps insurers build. For enrollment calls specifically, Comarch is the loyalty engine rather than the dialer. Their strength is the program structure that enrollment campaigns feed into: points, tiers, partner rewards, and personalized offers across health, life, auto, and home lines. An agency running enrollment calls needs a program worth enrolling into, and Comarch's insurance-specific expertise helps design one. The trade-off is that Comarch doesn't run the outbound enrollment calls for you, so agencies typically pair it with a calling service. Pricing isn't published and depends on program scope.
Pros
- Genuine insurance loyalty expertise, not a generic retail loyalty tool adapted to insurance
- Strong published framework for the challenges specific to insurance retention
- Supports the tiered, behavior-based program models used by leading insurers
Cons
- Does not itself provide managed outbound enrollment calling
- Pricing isn't published and enterprise loyalty platforms can be costly for small agencies
- Better suited to carriers and large operations than a single-location agency
Best for: Insurers and larger agencies designing the loyalty program itself, especially wellness-linked or tiered programs, that will pair it with a separate enrollment outreach channel.
#4 Paytronix — Custom pricing. Enterprise loyalty platforms in this category typically range from $1,500 to $5,000+ per month, often with a one-time setup fee.
Paytronix is a guest engagement platform serving 1,800+ restaurant and convenience store brands, spanning loyalty, online ordering, CRM, and gift cards in one suite. It makes this list because of its data layer, which is directly relevant to how an insurance agency with a rewards program should think about enrollment targeting. According to their website, the platform learns from every order and visit and uses that data to send targeted campaigns across email, SMS, push, and branded mobile apps. It supports customizable loyalty programs based on points, visits, or tiered structures, with hundreds of built-in audience segments for targeting the right customers with the right offers. Subscription programs can be layered on top of loyalty to lock in frequent customers with monthly perks or members-only pricing. For insurance agencies, Paytronix works best as the loyalty program engine that enrollment campaigns feed into rather than an outbound calling tool itself. Its segmentation logic is a good fit for the strategy Avenge Digital recommends for agencies: identify your top 10 percent most frequent or profitable patrons and target them, rather than offering a broad discount to everyone. Paytronix cites 500+ integrations, including more than 30 POS systems, and reports participation rates of 50 to 70 percent among its top clients, figures that are vendor-reported and may not generalize to every account. Pricing is custom and enterprise loyalty platforms in this category typically run $1,500 to $5,000+ per month, so it's a serious investment for an agency with a large book of business.
Pros
- Deep segmentation and personalized targeting at scale
- All-in-one suite spanning loyalty, subscriptions, CRM, and analytics
- Broad integration range with existing systems
- Strong vendor-reported participation rates among top clients
Cons
- Does not itself provide managed outbound enrollment calling
- Custom pricing can be costly for smaller agencies
- Built primarily for restaurant and retail brands, so insurance requires adaptation
Best for: Larger organizations that need a full loyalty and engagement platform with deep segmentation, and that will pair it with a separate outbound calling channel for enrollment.
#5 PAR Engagement (Punchh) — Contact for pricing
PAR Engagement is PAR Technology's guest engagement suite, with PAR Punchh as its loyalty module. According to industry coverage cited in our research, it's used by over 40 percent of the top 100 restaurant brands in the US, and its AI-powered engine analyzes guest behavior across channels to deliver targeted offers in real time. In September 2026, PAR launched Guest360, a unified guest-data product built alongside Punchh, with rollout expanding through the end of 2026, so availability should be treated as staged. One capability stands out for enrollment-heavy programs: Smart Passes for Apple and Google Wallet support app-less loyalty enrollment, designed to reach casual customers who won't download another app. That matters for insurance agencies too, since policyholders are famously reluctant to install yet another app just to join a rewards program. The platform also captures guest profiles from digital ordering behavior, including people not yet enrolled in the loyalty program, which extends reach into pre-enrollment engagement. For an insurance agency, the transferable lesson is enrollment mechanics that lower friction: wallet passes and behavior capture instead of a sign-up form. Punchh is a loyalty engine rather than a calling service, so agencies using it for program structure would still need an outbound calling partner to drive phone-based enrollment. Pricing isn't published.
Pros
- App-less enrollment via Apple and Google Wallet passes removes a major sign-up barrier
- Used by a large share of top restaurant brands, so the enrollment mechanics are battle-tested
- Captures profiles from people not yet enrolled, supporting pre-enrollment outreach
Cons
- Does not provide outbound enrollment calling
- Guest360 availability is staged through the end of 2026 and should be verified
- Built for restaurant and retail use cases, so insurance adoption requires adaptation
Best for: Organizations that want a proven loyalty engine with low-friction, app-less enrollment mechanics, and that will pair it with separate outbound calling.
#6 Foliume — Contact for pricing
Foliume is an AI platform built for insurance brokers, agencies, and bancassurance, and it represents the automation-first approach to retention outreach. According to their 2026 software guide, Foliume connects with your existing CRM or AMS and highlights what each client needs next, whether that's a renewal, a follow-up, or an opportunity. At the center is Wilbert, described as the first WhatsApp-based assistant for insurance brokers and agents, which can quote products, renew policies, locate documents, send information to clients, and identify cross-selling and retention opportunities directly from the chat. For loyalty program enrollment, that retention-opportunity identification is the useful piece: it tells you which policyholders to call and when, which is half the battle in running an enrollment campaign. Foliume's positioning is worth understanding even if you don't buy it: automate the repetitive work without replacing your existing systems. An agency could use Foliume to surface the enrollment-ready segment from its book of business, then run the actual enrollment calls through a managed calling service. The limitation is that Foliume's outreach is chat and workflow automation rather than voice campaigns, and there's no published pricing. For agencies already living in WhatsApp and a CRM, though, it's a modern, insurance-specific option.
Pros
- Built specifically for insurance brokers and agencies
- Works alongside your existing CRM and AMS instead of replacing them
- Retention and cross-sell opportunity identification helps target who to enroll
Cons
- Chat and workflow automation rather than managed voice calling for enrollment
- No published pricing
- WhatsApp-first approach may not fit agencies whose policyholders prefer phone contact
Best for: Insurance brokers and agencies that want AI automation layered onto their existing CRM to surface retention and enrollment opportunities, especially teams already using WhatsApp.
Loyalty program enrollment for insurance agencies comes down to two things: a program worth joining, and a compliant way to reach policyholders about it. The research is consistent on why it matters. Customers who say they "definitely will renew" dropped from roughly 59 percent to 48 percent over a 14-year stretch per J.D. Power, while 83 percent of loyalty program members say rewards make them more likely to stay with a brand. If your agency has a loyalty or rewards program and a permissioned policyholder list, the fastest path to enrollment is a structured calling campaign. My AI Call Center is our Editor's Choice because it's the only option on this list that runs the enrollment calls for you, against consent-checked lists, with TCPA-forward compliance, pricing from 9 cents per connected minute locked before launch, and outcome reports that show exactly what happened. The first campaign review is free, and you'll know the full number before approving anything. If you'd rather build the program engine first, Comarch, Paytronix, and PAR Engagement are strong technology foundations. If you want human agents, TeleDirect brings real insurance enrollment experience. Plan your campaign at myaicallcenter.app/campaigns, or reach the team at [email protected].
Frequently asked questions
Why do insurance agencies need outbound calls for loyalty program enrollment?
Because policyholders rarely engage with their agency on their own. Insurance customers interact a handful of times a year, mostly around renewals or claims, so email sign-up links and portal banners get ignored. A phone call placed to a permissioned list lets you explain the program, answer questions on the spot, and confirm enrollment in one conversation. The payoff is well documented: 83 percent of loyalty program members say rewards make them more likely to keep doing business with a brand, and keeping a customer costs far less than acquiring a new one.
What makes My AI Call Center different from other enrollment calling options?
It's a managed service, not software or a staffed BPO. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. List source and consent records are checked before any campaign starts, and lists without clear permission records are flagged and usually declined, which matters in a regulated industry like insurance. Calling starts at 9 cents per connected minute with the rate locked, every call carries AI disclosure with immediate opt-out handling, and every campaign ends with disposition-coded outcome reports. The company commits to reporting what actually happened and never inventing metrics or testimonials.
Is AI-powered enrollment calling compliant for insurance agencies?
It can be, when it's run correctly. Under the TCPA, AI-generated voices are treated as artificial voices, which means prior express consent is required before calling. My AI Call Center builds this into every campaign: consent records are reviewed before launch, AI disclosure is made on every call, recipients can request a human or opt out with keywords like STOP or REVOKE, opt-outs are honored immediately, and DNC requests carry across all campaigns. State-specific quiet hours, day restrictions, and registration rules are honored too. The platform notes that campaign requirements vary by location, industry, and consent status, so agencies should get appropriate legal guidance before launch.
How much does loyalty program enrollment calling cost?
With My AI Call Center, calling starts at 9 cents per connected minute, tiered by volume, with the rate agreed before launch and locked for the campaign. Most campaigns add a one-time setup and a flat monthly management fee, both quoted before launch, and there are no per-seat charges or platform bills. The first campaign review is free. Human-staffed BPOs like TeleDirect don't publish pricing and typically charge based on agent hours. Loyalty platform vendors like Paytronix price custom, with comparable enterprise platforms often running $1,500 to $5,000+ per month.
Can these solutions help with policy retention, not just enrollment?
Yes, and the two usually go together. My AI Call Center runs Renewal and Retention campaigns that call policyholders 30 to 60 days before their renewal date, plus Win-Back and Reactivation campaigns for 12 to 24 month dormants, so an agency can run enrollment and retention as coordinated touches. Foliume flags retention opportunities from your existing CRM data, and Comarch's insurance loyalty framework is built around reducing churn between renewals. Enrollment into a rewards program is itself a retention play, since members are measurably more likely to stay.
What kind of contact list do I need to run an enrollment campaign?
An approved, permissioned, or reviewed list. My AI Call Center only calls lists with clear consent records, checks the list source before launch, and declines bought lists without permission records in most cases. For insurance agencies, your existing policyholder book usually qualifies, since you have an established business relationship. If you're unsure whether your list will support a campaign, the free first campaign review will tell you plainly before you spend anything.