Insurance agencies face a retention problem that most industries never see. Policyholders interact with their insurer once or twice a year at most, and J.D. Power research cited by bolttech found that the share of customers who say they "definitely will renew" with their current carrier fell from 59 percent to 48 percent between 2004 and 2018. A loyalty program is one of the best answers to that slide: it gives policyholders a reason to stay, and Bain & Company's long-running loyalty research shows that customers who stay longer own more of an insurer's products. But a program only works if people actually enroll, and enrollment rarely happens on its own. Policyholders are busy, price-sensitive, and skeptical of anything that sounds like a sales pitch. That's why structured enrollment calling has become one of the highest-leverage retention campaigns an agency can run in 2026. In this guide, we compare six solutions that help insurance agencies drive loyalty program enrollment through calls and related outreach, from managed AI calling services to insurance-focused lead generation agencies and enterprise loyalty operations partners. We've evaluated each on real features, pricing transparency, and fit for agency operations, so you can match the right tool to your book of business, consent posture, and budget.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; one-time campaign setup and flat monthly management fee 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. Unlike software you configure yourself, you buy campaigns that the team runs for you. Each campaign is 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 existing clients through program benefits, answer questions, and capture enrollment confirmations, with outcomes and follow-up requests routed directly back into the CRM and scheduling tools you already run. Hot leads can transfer to your producers live or land in your CRM for same-day follow-up. The company's list discipline is a genuine differentiator in insurance, where consent matters as much as conversion. 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. 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 request 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 client DNC records. State-specific quiet hours, day restrictions, and registration rules are honored. 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 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, and the full number is known before you approve launch. Every campaign ends with a named outcome report: disposition codes (confirmed, qualified, enrolled, opted out, no answer), per-call notes, a dispositioned contact list, routed follow-ups, 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. Loyalty enrollment campaigns also pair naturally with renewal and retention calls (run 30 to 60 days before the renewal date), win-back calling for lapsed policyholders, and multi-language campaigns for Spanish-speaking books of business.
Pros
- Managed service means list review, scripting, compliance, monitoring, and reporting are handled for you
- Strict list and consent discipline; unsupportable lists are declined before you spend anything
- Full campaign cost known before launch, with the rate locked mid-campaign
- Real outcome reporting with no invented numbers
- Pairs naturally with renewal, retention, and lapsed-policyholder re-engagement campaigns
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 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 Abstrakt — Contact for pricing
Abstrakt is an all-inclusive insurance lead generation agency that combines appointment setting and digital marketing to build a full sales funnel, from sourcing prospects through nurturing relationships to creating conversion opportunities. According to their website, the company coordinates multi-channel outreach across phone, email, LinkedIn, and direct mail to reach key decision-makers, while the inbound side covers SEO-rich websites, high-volume content, local presence, and paid channels. The same multi-channel calling infrastructure an agency uses for prospecting can be applied to retention and enrollment outreach on an existing book of business. Abstrakt's process is structured and measurable. They build the target audience and ideal client profile, launch a cadence of calls, emails, social touches, and direct mail, then qualify and book appointments with vetted decision-makers. A live dashboard portal gives 24/7 visibility into lead flow, call recordings, and performance metrics, with monthly reviews to refine messaging and outreach logic. In one published case study, a national commercial insurance brokerage used Abstrakt to break into new regional markets and, within 90 days, the outbound program delivered qualified meetings while the inbound SEO work boosted organic traffic by more than 200 percent. Pricing is not published, so you'll need to contact them for a quote.
Pros
- Purpose-built for the insurance industry with published insurance case studies
- Multi-channel cadence rather than calls alone
- Transparent reporting through a live dashboard with call recordings
Cons
- Pricing is not published
- Focused primarily on new business lead generation rather than policyholder loyalty enrollment
- Agency engagement model may be heavier than a single scoped campaign
Best for: Insurance agencies that want an outsourced outreach team handling both enrollment-style calling on their book of business and new business development under one agency relationship.
#3 TTEC — Contact for pricing
TTEC is a managed loyalty operations provider that scored 9.0/10 in Worldmetrics' 2026 ranking of loyalty program services. According to Worldmetrics' verified review, TTEC provides loyalty customer care, member engagement, campaign operations, analytics, and customer experience services, and is best evaluated around the end-to-end workflow from member enrollment through redemption support rather than as a standalone software product. For insurance carriers and large agencies, TTEC's strength is tying loyalty execution to real customer interactions. Their engagement model aligns loyalty program work to operational delivery, including member servicing workflows and escalation paths that reduce redemption friction. Worldmetrics notes that TTEC coordinates campaign orchestration so eligibility and offer handling stay consistent across channels, which lowers the risk of rule mismatches between phone, digital, and mail touchpoints. The tradeoff, per the same review, is that loyalty execution depends on TTEC's process involvement and coordination, which can slow rapid in-house iteration. Pricing is not published; you'll need to contact them. TTEC fits best when a loyalty program has service-heavy redemption issues, frequent member support needs, or multi-channel campaign orchestration that requires consistent operational rules at scale.
Pros
- Managed operations with clear handling of membership and redemption issues
- Program governance support that keeps campaign rules consistent across channels
- Strong fit when loyalty is tied to high member support volume
Cons
- Pricing is not published
- Execution depends on TTEC's process involvement, which can slow rapid iteration
- Enterprise-scale engagement is likely too heavy for small independent agencies
Best for: Large insurance carriers and enterprise loyalty teams that need managed loyalty execution tied to customer service workflows and controlled redemption handling.
#4 Epsilon — Contact for pricing
Epsilon is a loyalty and marketing services provider that ranked first in Worldmetrics' 2026 top loyalty program services list with a 9.3/10 score. According to Worldmetrics' verified review, Epsilon provides loyalty strategy, customer data services, personalization, analytics, and member communications, with member enrollment and identity resolution positioned to reduce duplicate profiles and improve household or account-level attribution for redemption and campaign responses. For insurers, the identity resolution angle is the interesting part. Insurance households often hold multiple policies across auto, home, and life lines, and Epsilon's rules-based orchestration for offer eligibility and campaign sequencing across channels is designed to keep enrollment and redemption attributable to the right customer profiles. Worldmetrics scores Epsilon 9.7/10 on features and 9.1/10 on both ease of use and value. The same review flags real tradeoffs: the highest value depends on clean customer data flows into Epsilon systems and disciplined governance of promotion and redemption rules, complex rule stacks increase operational overhead, and program analytics require defined success metrics and event instrumentation. Pricing is not published. Epsilon fits when a large brand 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 attribution across multi-policy households
- Rules-based offer eligibility and campaign orchestration across channels
Cons
- Data readiness and integration work gate program launch speed
- Complex rule stacks increase operational governance overhead
- Analytics require defined success metrics and event instrumentation
- Pricing is not published
Best for: Large insurance carriers and enterprise marketing teams that need loyalty enrollment tied to identity resolution, marketing activation, and incremental lift measurement.
#5 EverQuote — Contact for pricing
EverQuote is one of the most recognizable names in insurance lead generation, known for its large-scale online marketplace connecting consumers directly with insurance agents and carriers. According to their website and coverage in Abstrakt's 2026 review of insurance lead generation companies, EverQuote specializes in real-time leads for auto, home, renters, life, and health insurance. When a consumer submits a quote request, their data is verified and matched with agents based on criteria such as location, product line, and budget, so agents get access to shoppers who are actively seeking coverage, often within seconds of their inquiry. EverQuote is not a loyalty enrollment calling service, but it earns a place here for agencies building the top of the retention funnel. Every real-time lead that converts into a policy becomes a future loyalty program candidate, and EverQuote offers CRM integrations and performance-tracking dashboards that help agencies manage that lead flow into a structured book of business. The Abstrakt review notes that lead quality can be strong due to real-time intent, but competition is a key consideration since leads are often sold to multiple agents at once. For teams with strong follow-up systems, it can be a scalable source of inbound demand. Pricing is not published; contact them for current lead costs in your lines and territories.
Pros
- Real-time intent means leads are actively shopping for coverage
- CRM integrations and dashboards help manage lead flow efficiently
- Scalable source of inbound demand across multiple insurance lines
Cons
- Leads are often sold to multiple agents at once, so speed-to-contact matters
- Not an enrollment calling solution; it feeds acquisition rather than retention
- Pricing is not published
Best for: Independent insurance agents and smaller brokerages that want a steady stream of real-time, high-intent leads to grow the policyholder base their loyalty program will eventually enroll.
#6 QuoteWizard — Contact for pricing
QuoteWizard, a subsidiary of LendingTree, is another major player among insurance lead generation companies, offering both web form and phone-based leads. According to coverage in Abstrakt's 2026 review, QuoteWizard connects consumers searching for insurance quotes with licensed agents using an extensive network of partner websites, search ads, and call centers. Its biggest advantage, per the same review, is flexibility: agencies can customize their lead-buying strategy, balance volume with quality, and benefit from programs that support multiple lines of insurance. The phone-based lead option is what makes QuoteWizard relevant to an enrollment-calling conversation. Agencies that already run structured call handling for inbound quote requests have the muscle memory and telephony workflow to extend that same discipline to outbound loyalty enrollment calls on their existing book. QuoteWizard's multi-line support also fits agencies that want one lead partner across auto, home, and life products, since multi-line households are exactly where loyalty programs pay off most. As with any shared-lead marketplace, leads may be distributed to more than one agent, so your speed-to-lead and follow-up process determine your conversion. Pricing is not published; contact them for rates and availability in your state.
Pros
- Flexible lead programs across multiple insurance lines
- Phone-based leads available, not just web forms
- Backed by LendingTree's large consumer network
Cons
- Not a loyalty enrollment calling solution itself
- Shared lead distribution means competing agents may get the same contact
- Pricing is not published
Best for: Insurance agencies that want flexible, multi-line lead buying with phone-based options, and that plan to run their own enrollment calling on the resulting book of business.
Loyalty programs are one of the few retention levers that compound: the longer a policyholder stays enrolled, the more products they tend to hold and the less they tend to shop around. But none of that happens if enrollment is passive. The solutions above take different routes to the same goal. My AI Call Center is the strongest fit for most agencies because it's a managed service built around one clear goal per campaign, it checks your list source and consent records before you spend a dollar, and it reports what actually happened with disposition codes rather than inflated numbers. Calling starts at 9 cents per connected minute, the rate is locked for the campaign, and the first campaign review is free. Abstrakt and TTEC suit agencies that want a fuller agency or enterprise relationship, Epsilon fits carriers with serious identity-resolution needs, and EverQuote and QuoteWizard are better understood as top-of-funnel feeders that grow the book your loyalty program will eventually enroll. If you already have an approved, permissioned policyholder list and a program worth joining, start with a campaign review at myaicallcenter.app. You'll know the full cost before anything launches, and you'll get a plain answer about whether your list can support the campaign before you commit.
Frequently asked questions
What makes My AI Call Center different from other enrollment calling options?
It's a managed service, not software you configure. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted in full before launch. Two things stand out for insurance agencies. First, list discipline: 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. They tell you plainly if the list won't support the campaign, before you spend anything. Second, honest reporting: every campaign ends with a named outcome report including disposition codes, per-call notes, and opt-out and DNC logs, and the company states it will never invent client logos, testimonials, metrics, or ratings.
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 campaign setup 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, and the first campaign review is free. For the other providers on this list, pricing is not published, so you'll need to contact each one directly for a quote.
Why do insurance agencies need loyalty programs at all?
Because retention in insurance is fragile and getting more so. J.D. Power research cited by bolttech found the share of customers who say they "definitely will renew" with their current carrier dropped from just over 59 percent to 48 percent between 2004 and 2018, largely driven by rising premiums. Bain & Company's loyalty research adds that customers who stay longer own more of an insurer's products through cross-selling. A loyalty program gives policyholders a concrete reason to stay between claims and renewals, but only if they enroll, which is why structured enrollment outreach matters.
Is AI calling compliant for insurance policyholder outreach?
It can be, when it's done with consent discipline. My AI Call Center treats AI-generated voices as artificial voices under the TCPA, which means prior express consent is required. Every call carries AI disclosure, recipients can ask if the call is AI-assisted, request a human, or opt out with STOP or REVOKE keywords, and opt-outs are logged and honored immediately. DNC requests carry across all campaigns into client DNC records, and state-specific quiet hours, day restrictions, and registration rules are honored. Campaign requirements still vary by location, industry, contact type, and consent status, so agencies are responsible for obtaining appropriate legal guidance before launch.
Can enrollment calls route results back into my agency's CRM?
Yes, with My AI Call Center. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run. Hot leads can transfer to your producers live or land in your CRM for same-day follow-up. Every campaign ends with a dispositioned contact list, outcome counts, routed follow-ups, a completion and coverage report, and opt-out and DNC logs, so your team knows exactly who enrolled, who asked for a callback, and who opted out.
Should I use a lead generation company like EverQuote for loyalty enrollment?
Not directly. EverQuote and QuoteWizard are acquisition tools: they deliver real-time, high-intent shoppers who are actively seeking coverage. That's useful, because every new policyholder becomes a future loyalty program candidate, and both platforms offer CRM integrations to manage that flow. But neither provides managed outbound enrollment calling on your existing book. A common pattern is to feed acquisition through a lead marketplace while running enrollment and retention campaigns on your permissioned policyholder list through a managed calling service.