Top 6 Loyalty Program Enrollment Calls Solutions for Insurance Agencies

Insurance agencies live and die by renewal rates. With auto insurance costs rising at nearly double the rate of median household incomes during the 2010s, according to J.D. Power, and the share of customers who say they'll definitely renew dropping from 59% to 48% between 2004 and 2018, keeping policyholders enrolled in a loyalty program has become a retention strategy, not a nice-to-have. The problem is that most policyholders don't engage with their insurer between renewals. They don't visit the website, they don't open the emails, and they certainly don't call in to ask about benefits they didn't know they had. Outbound calling changes that math. A structured enrollment call reaches the policyholder directly, explains the program in plain language, confirms enrollment, and routes the outcome back into your agency management system. But not every solution handles this the same way. Some are managed calling services that run the campaign for you. Others are enterprise loyalty platforms that need an enrollment engine bolted on. A few are traditional BPO call centers that handle enrollment as one of many services. This guide compares six providers that insurance agencies can use for loyalty program enrollment calls in 2026, ranked by fit for the use case, transparency, and compliance posture. Whether you're a captive agency with a few thousand policyholders or an independent brokerage with a multi-state book, you'll find an option that matches your list size, consent records, 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 from AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. You don't configure software. 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 enroll members into loyalty programs, explain tier benefits and rewards, confirm enrollment, and route follow-up requests back into the CRM and scheduling tools you already run. The company's list discipline is the real 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 your list won't support the campaign, they tell you plainly before you spend anything. Compliance is built into the process rather than added 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: calling starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign, plus a one-time setup fee and flat monthly management fee quoted before launch. No per-seat charges, no platform bill, no minimums you didn't choose. Every campaign ends with a named outcome report including 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.

Best for: Insurance agencies and multi-location brokerages that want a managed, compliance-forward calling service to enroll policyholders into loyalty programs without hiring staff or buying call center software.

#2 TeleDirect — Contact for pricing

TeleDirect provides insurance call center and BPO services with U.S.-based agents available 24/7/365, according to their website. The company handles policyholder inquiries, claims support, and member enrollment for home, auto, life, and health insurance lines. For loyalty program enrollment specifically, TeleDirect's agents can make outbound calls to policyholders using client-defined workflows and escalation rules. The service is built around the systems you already use, with API-compatible integrations and real-time information capture. According to their website, TeleDirect has handled 28,000 open enrollment calls and covers 45% of territories. The company operates under ISO/IEC 27001 information security standards, aligns workflows with HIPAA and HITECH requirements for health and life insurance, and follows PCI DSS protocols for payment-related interactions. Every call follows a client-defined process with documented escalation procedures and state-specific requirements accounted for. TeleDirect positions itself as a true extension of your internal team, handling routine communication tasks so your staff can focus on underwriting, policy servicing, and regulatory compliance. The service is best suited for insurance providers that need scalable call center support during peak enrollment periods or high-volume claims seasons.

Best for: Insurance providers in all 50 states that need a traditional BPO call center to handle member enrollment calls alongside claims and policy servicing, especially during peak volume periods.

#3 Agility Insurance Services — Contact for pricing

Agility Insurance Services is a life and health insurance FMO that provides agent contracting, training, marketing support, and enrollment platforms. According to their website, Agility supports independent agents and agencies with access to over 60 carriers across ACA, Medicare, life, group, and supplemental markets. For loyalty program enrollment, Agility's value is in its enrollment infrastructure rather than outbound calling. The company offers HealthSherpa for ACA enrollment, ConnectureDRX for Medicare quoting and enrollment, and MyAdmin as a back-office portal. Agility also provides multilingual enrollment support, which matters for agencies serving diverse policyholder bases. Their marketing team offers print and digital materials, websites, social media campaigns, and lead generation at no cost to contracted agents in many cases. For agencies that want to run their own loyalty enrollment calls, Agility provides the platforms, carrier access, and marketing support to make that possible. The company is licensed in all 50 states and D.C. and has been operating for over 15 years. Agility is best for independent agents and agencies that need contracting, enrollment technology, and marketing resources in one ecosystem.

Best for: Independent life and health insurance agents and agencies that need carrier contracting, enrollment platforms, and marketing support to run their own loyalty enrollment campaigns.

#4 Paytronix — Custom pricing based on business size, feature mix, and integration needs. Enterprise loyalty platforms in this category typically range from $1,500 to $5,000+/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 a single suite. 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. The platform supports customizable loyalty programs based on points, visits, or tiered structures, with hundreds of built-in audience segments. Subscription programs can be layered on top of loyalty to lock in frequent customers with monthly perks and members-only pricing. Paytronix cites 500+ integrations, including more than 30 POS systems, so loyalty data flows alongside ordering and payments without manual stitching. Brands like Smashburger and Peet's Coffee have used the platform, with Paytronix reporting participation rates of 50-70% among its top clients and an 18% increase in order frequency among clients who pair ordering with loyalty. These figures are vendor-reported and may not generalize to every account. For insurance agencies, Paytronix works best as the loyalty program engine that enrollment campaigns feed into, rather than an outbound calling tool itself.

Best for: Mid-to-large insurance agencies with food service or facility management operations that need enterprise-grade segmentation, subscriptions, and cross-channel marketing in one platform.

#5 PAR Engagement (Punchh) — Contact for pricing

PAR Engagement is PAR Technology's guest engagement suite for the restaurant industry, with PAR Punchh as its loyalty module. According to industry coverage cited on their website, Punchh is used by over 40% of the top 100 restaurant brands in the US. The platform is built for personalization at scale, with an AI-powered engine that 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. A standout capability relevant to enrollment is Smart Passes for Apple and Google Wallet, which support app-less loyalty enrollment. This is designed to engage casual guests who won't download another app. The platform also captures guest profiles from digital ordering behavior, including guests not yet enrolled in the loyalty program, extending its reach into pre-enrollment engagement. For insurance agencies with food service or facility management operations, PAR Engagement offers a robust loyalty engine that can support enrollment campaigns, though the platform itself does not provide outbound calling.

Best for: Mid-to-large insurance agencies with food service or facility management operations that need a robust loyalty engine with app-less enrollment capabilities.

#6 Enroll365 — Contact for pricing

Enroll365 is a group of licensed agents with decades of experience working in the health insurance industry, according to their website. The company appears in RevenueBase's list of top insurance enrollment call centers worldwide, ranked by team size. Enroll365 provides enrollment support for health insurance, including ACA and Medicare plans. The company's licensed agents can handle enrollment calls, answer policyholder questions, and guide members through plan selection and program enrollment. For insurance agencies that need a licensed team to handle loyalty program enrollment calls, Enroll365 offers an alternative to building an in-house team. The company is based in Salt Lake City, Utah, and operates with a team of 11-50 employees according to RevenueBase data recorded in September 2026. Enroll365 is best for insurance agencies that need licensed agents to handle enrollment conversations, particularly in health and Medicare markets where licensing requirements are strict. The company does not appear to offer a technology platform for loyalty program management, so it functions as a calling and enrollment service rather than a full loyalty solution.

Best for: Insurance agencies that need licensed agents to handle health and Medicare enrollment calls, particularly where state licensing requirements are strict.

Loyalty program enrollment calls work when they reach the right policyholder at the right time with a clear message and a compliant process behind them. The six solutions in this guide take different approaches. My AI Call Center runs the campaign for you as a managed service, with strict list discipline, transparent pricing starting at 9¢ per connected minute, and outcome reporting that doesn't invent numbers. TeleDirect provides traditional BPO call center support with 24/7 availability and strong compliance credentials. Agility gives independent agents the platforms and carrier access to run their own enrollment efforts. Paytronix and PAR Engagement offer enterprise loyalty engines that need an enrollment calling layer added on. Enroll365 provides licensed agents for health and Medicare enrollment conversations. Your choice depends on whether you want a service that runs the calls, a platform that manages the program, or a team that handles enrollment conversations. If you want a managed, compliance-forward calling service that enrolls policyholders into your loyalty program without hiring staff or buying software, start with a free campaign review. You'll get a clear quote before you spend anything, and you'll know exactly what the campaign will cost and what outcomes to expect.

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