Top 6 Loyalty Program Enrollment Calls Solutions for Insurance Agencies

Insurance loyalty programs only pay off when policyholders actually enroll, and that step is easier said than done. Insurance customers interact with their carrier far less often than retail shoppers, so a loyalty program launched quietly through an email or portal banner often goes unnoticed. Industry research backs this up: a J.D. Power study cited by bolttech found the share of auto insurance customers who said they would definitely renew dropped from over 59 percent in 2004 to 48 percent by 2018, and the Chartered Insurance Institute found more than 80 percent of insurance customers expect their insurer to actively address pricing to maintain loyalty. Enrollment calls solve this by putting a real conversation in front of the policyholder, explaining the program's value, answering questions, and confirming enrollment on the spot. In this 2026 guide, we compare six solutions that help insurance agencies drive loyalty program enrollment through outbound calling and managed campaign execution, including a managed AI calling service built for permissioned lists, managed loyalty operations providers, and enterprise loyalty software platforms. We evaluated each on confirmed features, pricing transparency, and fit for insurance agency operations, so you can match the right option to your policyholder list, 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 from AIQ Labs, based in Halifax, Nova Scotia, with an operating base in Austin, Texas. Unlike loyalty 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 policyholder lists to invite clients into rewards programs, tiered benefits, and renewal-linked perks, 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 producers live or land in your CRM for same-day follow-up. The company's list discipline is a genuine differentiator in a regulated industry like insurance. List source and consent records are checked before any campaign launches, bought lists without clear permission records are flagged and in most cases declined, and 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, 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: 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. Enrollment campaigns also pair naturally with renewal and retention calls run 30 to 60 days before a policy renewal date, lapsed member re-engagement, and win-back campaigns for dormant policyholders.

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 TTEC — Contact for pricing

TTEC provides managed loyalty operations, customer care, member engagement, and campaign operations services. According to the Worldmetrics 2026 review of loyalty program services, TTEC's engagement model aligns loyalty program work to operational delivery, including member servicing workflows and escalation paths that reduce redemption friction. That operational grounding matters for insurance agencies running enrollment campaigns, because policyholder questions about program rules, eligibility, and reward handling often need a trained human on the line rather than a self-serve portal. The review positions TTEC as strongest when loyalty is tied to real customer interactions, where agent guidance, issue handling, and membership changes matter as much as catalog publishing. Coverage is best evaluated around the end-to-end workflow, from member enrollment through redemption support, rather than as a standalone software product. For an insurance agency, that means TTEC can handle the enrollment conversation and the service questions that follow it, keeping eligibility and offer handling consistent across channels. A concrete tradeoff the review notes is that loyalty execution depends on TTEC's process involvement and coordination, which can slow rapid in-house iteration. Pricing is not published, so agencies will need to engage directly for a quote. TTEC earned a 9.0/10 overall score in the Worldmetrics ranking, with a 9.3/10 value score, the highest value rating among the top three services reviewed.

Best for: Insurance brands and agencies that need managed loyalty execution tied to customer service workflows, with frequent member support needs and multi-channel campaign orchestration.

#3 Epsilon — Contact for pricing

Epsilon provides loyalty strategy, customer data services, personalization, analytics, and member communications. According to the Worldmetrics 2026 review, Epsilon's core fit centers on 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, which matters for insurance agencies managing policyholder households that may hold multiple policies. The standout capability is identity resolution plus rules-based orchestration for offer eligibility and campaign sequencing across channels. For an insurance agency, that means enrollment data flows into a system that can attribute program activity to the right policyholder profile, support targeted follow-up to members who started but didn't finish enrollment, and measure incremental lift from loyalty campaigns across channels. 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. Data readiness and integration work can gate program speed to launch, and program analytics require defined success metrics and event instrumentation. Epsilon earned the top overall score (9.3/10) in the Worldmetrics loyalty program services ranking, with a 9.7/10 features score. Pricing is not published, so agencies should expect an enterprise-level engagement and request a quote.

Best for: Enterprise insurers and large agency groups that need loyalty enrollment tied to marketing activation, identity resolution, and incremental lift measurement.

#4 Salesforce Loyalty Management — Contact for pricing

Salesforce Loyalty Management is enterprise loyalty software designed to help organizations create, manage, and optimize customer loyalty programs. According to Gartner Peer Insights, where it holds a 4.4 rating across 14 reviews, the software offers tools for designing personalized rewards and engagement journeys, tracking member activities, and automating program rules and operations. It captures customer data and behaviors, enabling segmentation and targeted incentives based on customer profiles, and supports various loyalty program types including points, tiered, and partner programs. For insurance agencies already running on the Salesforce ecosystem, the main advantage is that loyalty data lives alongside your CRM. Policyholder profiles, policy history, and enrollment status sit in one system, so segmentation for enrollment outreach and reporting on program effectiveness draw from the same data. The platform supports points, tiered, and partner program structures, which covers common insurance loyalty designs such as tenure-based tiers, renewal-linked rewards, and partner benefit programs. The tradeoff is that this is software you configure and operate yourself. There is no managed calling component, so enrollment outreach has to be run by your own team or paired with a separate calling service. Implementation and administration require internal resources, and pricing is not published on the listing. For agencies with Salesforce admin capacity and a policyholder base large enough to justify the investment, it's a solid program engine that enrollment calls can feed into.

Best for: Insurance agencies and carriers already on the Salesforce ecosystem that want loyalty program management unified with their CRM data.

#5 Kobie Marketing — Contact for pricing

Kobie Marketing is a loyalty marketing agency focused on program design and customer engagement strategy. According to the Worldmetrics 2026 loyalty management review, Kobie fits when loyalty teams need marketing execution and lifecycle campaign management support, with campaign-led loyalty operations that connect member messaging to enrollment and redemption touchpoints. It scored 8.6/10 overall in that ranking, with the review labeling it the easiest to use among the top three loyalty management services. For insurance agencies, Kobie's value is in the strategy and creative layer: designing a loyalty program worth enrolling into, then running the lifecycle campaigns that drive enrollment and ongoing participation. The review describes its operations as connecting member messaging to enrollment and redemption touchpoints, which is the loop an insurance loyalty program needs to close, since policyholders interact with their carrier infrequently and need repeated, well-timed prompts between renewals. The tradeoff is the agency model itself. Kobie is a services partner, so program changes and campaign iterations run through the agency rather than through an in-house dashboard. That adds coordination overhead compared with self-serve tools, and pricing is not published, so budgeting requires a direct conversation. For an agency that wants loyalty strategy, creative, and enrollment campaign execution handled by one specialist partner, Kobie is a reasonable fit. If you need the enrollment calls themselves run against a permissioned list with strict consent controls, you'll want to pair it with a managed calling service or handle calling in-house.

Best for: Insurance agencies that want a specialist loyalty partner to design the program and run lifecycle marketing campaigns that drive enrollment and participation.

#6 Merkle — Contact for pricing

Merkle is a performance marketing agency with dedicated loyalty and customer experience services. According to the Worldmetrics 2026 loyalty management review, where it scored 8.9/10 overall, Merkle works best when loyalty is treated as a cross-channel program with defined business rules and operational accountability. Delivery commonly spans loyalty program design, member enrollment and lifecycle management, and rule governance for points-based economics. The standout capability, per the review, is governed loyalty program economics built around partner and operational workflows. For insurance agencies, that governance matters: enrollment promises, reward eligibility, and redemption rules need to stay consistent as campaigns run across channels, and Merkle's integration work connects loyalty activity to customer profiles and transactional systems so earn and burn behavior stays consistent across touchpoints. That includes connecting member behavior to customer profiles so engagement and rewards reflect current status and history, which supports accurate targeting for enrollment follow-up. The tradeoff shows up when the goal is a quick rollout with minimal services involvement. The review notes heavier services engagement than software-only loyalty tooling, longer delivery timelines when program rules need extensive governance, and increased coordination across internal teams as program scope grows. Merkle fits insurance organizations that need managed orchestration of member journeys, reward operations, and partner-related settlement workflows. Like Kobie, it doesn't provide managed outbound calling itself, so enrollment calls need a separate service or internal team.

Best for: Insurance organizations that need managed loyalty orchestration with strict rule governance across channels, CRM systems, and partner workflows.

Loyalty program enrollment in insurance comes down to one thing: getting a policyholder to say yes on a call, with their consent documented and their questions answered. The six solutions above cover different parts of that job. My AI Call Center handles the enrollment calls themselves as a managed, compliance-forward service against approved, permissioned, or reviewed lists, starting at 9 cents per connected minute with the full campaign cost quoted before launch. TTEC and Merkle bring managed loyalty operations and governance for larger programs. Epsilon adds identity resolution and lift measurement for enterprises. Salesforce Loyalty Management gives agencies already on Salesforce a program engine tied to their CRM. Kobie designs the program and runs the lifecycle marketing around it. If your priority is enrolling policyholders from a list you already have permission to call, without hiring staff or buying call center software, start with the managed calling route. My AI Call Center's first campaign review is free, and you'll know the full cost before anything launches. If the list won't support the campaign, they'll tell you plainly before you spend anything. Visit myaicallcenter.app to plan your first enrollment campaign and see what a structured, one-goal-at-a-time calling program can do for your agency's retention numbers in 2026.

Frequently asked questions