Top 6 Renewal & Retention Calls Solutions for Health Insurance Brokerages

Renewal season is where health insurance brokerages either keep their book or lose it. The research on this is blunt: 65% of customers who leave an agency never talked to an agent before they left, while 80% of those who did have a conversation that year stayed, according to Agency Performance Partners. And 2026 is shaping up as a hard year for the renewal conversation. KFF data cited by Word & Brown puts employer premium increases at 6 to 10 percent on average this year, with some groups seeing hikes as high as 32 percent. When rates jump, clients start shopping, and the only reliable defense is a proactive call before the renewal date, not a rate sheet delivered at the deadline. The problem is capacity. Most brokerages can't manually call every group 30 to 60 days out, follow up on every answer, and route every follow-up request back to a producer. This list compares six solutions that help brokerages run renewal and retention calls at scale: a managed AI calling service, full-service retention outsourcers, a conversational AI platform, a human contact center, and a structured agency retention program. Each takes a different approach, so you can match the tool to how your brokerage actually operates.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume. Most campaigns add a one-time setup and a flat monthly management fee, both quoted before launch. No per-seat charges, no platform bill.

My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service that runs structured AI-powered calling campaigns against approved, permissioned, or reviewed contact lists only. It's owned and operated by AIQ Labs, based in Halifax, Nova Scotia, with a U.S. operating base in Austin, Texas. For a health insurance brokerage, the pitch is simple: you don't buy software seats or build an internal calling team, you buy campaigns that the team runs for you. Each campaign is scoped around one clear goal, quoted in full before launch, and nothing goes live until you approve the script, disclosure, opt-out handling, and escalation path. That matters in health insurance, where a badly handled call can create compliance problems as easily as it creates retention. The Renewal & Retention Calls campaign is built to reach groups 30 to 60 days before their renewal date, which lines up with the window most retention research recommends. Outcomes route back into the CRM and scheduling tools you already run, with disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests landing with your producers. The company also runs Renewal Quoting & Upsell Calls, Customer Onboarding Check-Ins, Surveys & Feedback, Win-Back & Reactivation, and Database Reactivation Blitz campaigns across calls, texts, and emails, plus multi-language campaigns with Spanish as the most common option. List discipline is a real selling point here: list source and consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and usually declined. They tell you plainly if the list won't support the campaign, before you spend anything. The company also commits to reporting only what actually happened, with no invented logos, testimonials, or metrics. On the compliance side, AI voices are treated as artificial voices under the TCPA, AI disclosure happens on every call, opt-outs are logged and honored immediately, and HIPAA-compliant communication standards apply on clinic pages. The rate is locked for the campaign, so a mid-campaign price change can't eat your renewal-season budget.

Best for: Health insurance brokerages and multi-location organizations that want managed, compliant renewal and retention calling without building an internal call center.

#2 Qualfon — Contact for pricing

Qualfon is a customer retention and loyalty services provider that helps companies extend customer lifetime value through proactive outreach and analytics. According to their website, they apply the same performance discipline used in their sales programs to existing customers, with services spanning churn prevention, cross-sell and upsell programs, renewal and subscription optimization, and loyalty and advocacy programs. Their Qai Growth intelligence layer includes predictive churn modeling, account health analytics, opportunity detection, and voice-of-customer analytics, which is useful for a brokerage that wants to know which groups are most at risk before renewal season starts. For renewal specifically, Qualfon runs automated reminders, simplified renewal workflows, flexible payment handling, and human-led conversations that reinforce value at the moment it matters most. They also manage dunning campaigns and payment recovery outreach, which addresses the involuntary churn that comes from failed premium payments. Qualfon structures retention programs around four lifecycle stages: onboarding and activation, adoption and expansion, renewal and retention, and advocacy and growth. That full-lifecycle framing could fit a brokerage that wants a single outsourced partner for the whole client relationship, not just the renewal call. Pricing is not published on their website.

Best for: Enterprise and mid-market companies, including larger brokerages and carriers, that want a full-service retention and loyalty partner with predictive analytics.

#3 MarketStar — Contact for pricing

MarketStar offers Renewals as a Service, a proactive renewals solution designed to help companies increase customer retention and reduce churn. According to their website, they conduct detailed customer lifecycle analysis to identify pivotal renewal milestones and implement strategic timing for outreach well before renewal decisions are due. That timing-first approach is exactly what retention research in insurance recommends, since the decision to stay or leave is often made weeks before the renewal date. Their approach includes tailored messaging and multichannel engagement across email, phone, and digital platforms, with personalized strategies for each customer segment. MarketStar also focuses on churn risk identification, proactive retention strategies, contract renewal negotiations, and upsell and cross-sell during the renewal window. They reinforce value through customer education on enhancements and ROI, and use loyalty programs and incentives to reward continued business. Post-renewal feedback collection and renewal rate analysis drive continuous improvement across cycles. For a brokerage, this works like an outsourced renewals team that plugs into your existing client service motion. Their published case study highlights a 2.3X reduction in SMB advertiser churn for one client. Pricing is not published on their website.

Best for: B2B companies, including brokerages with a subscription-like group client base, that want to outsource the entire renewals motion.

#4 Perspective AI — Contact for pricing

Perspective AI provides a conversational AI platform built specifically for pre-renewal interviews. According to their website and blog, the platform triggers a conversation 30 to 60 days before renewal with an AI interviewer that asks open questions and follows up on vague answers, letting policyholders speak in their own words instead of scoring them on a 0-10 scale. The insurance context is explicit in their positioning: they argue that retention is failing because carriers treat renewal as an administrative event, mailing a renewal notice and an NPS survey, then acting surprised when the policyholder silently switches. Their blog cites J.D. Power's 2026 insurance industry outlook, which found only 51% of high-value customers say they will definitely renew. The platform's transcript analysis automatically tags each conversation for three churn drivers: dissatisfaction (friction, claims pain), life changes (new home, new driver, new business stage), and competitor pull (a cheaper quote from elsewhere). For a brokerage, that means the "why" behind a wavering group surfaces while there's still time to act, whether it's a claims frustration or a competitor's quote. This is a software platform rather than a managed service, so your team owns the setup and the follow-through. Pricing is not published on their website.

Best for: CX and retention teams at carriers and larger brokerages that want to run pre-renewal interviews at survey scale with conversational depth.

#5 Global Response — Contact for pricing

Global Response is a human-first, omnichannel contact center provider with more than 40 years of experience and over 200 brand clients. According to their website, they position their agents as brand ambassadors who receive extensive training and coaching so they embody each client's culture at every customer touchpoint. Their service lines include customer support, sales, and omnichannel care across voice, email, chat, mobile, social media, and SMS. For retention specifically, they report that clients consistently see increases in sales, retention, and conversions after switching to their team, and their published case studies back this up with named brands: FILA reported online sales up 25% and order/refund queries down 28% in 2021, and LACOSTE credited Global Response agents with improved conversion and retention. For a health insurance brokerage that values a human voice on renewal calls, especially for high-value group clients who expect a person, this is the traditional outsourced model done well. They serve healthcare among their focus industries, alongside retail, automotive, financial services, education, and travel. Pricing is quote-based.

Best for: Brokerages and brands that want a human, full-service contact center partner for ongoing client care and retention conversations.

#6 Agency Performance Partners (AppX Retention) — Contact for pricing

Agency Performance Partners (APP) runs a structured retention program called AppX Retention that is built specifically for insurance agencies, which makes it the most brokerage-native option on this list. According to their website, they believe every agency needs renewal review calls, and they lay out a full process: run renewal lists, determine a plan of attack, distribute lists to staff, decide how many days out to call (30-60 days or a check-up call), set daily and weekly call volume targets, and build pre-call and review checklists so agents walk into each call informed. They also help agencies set the percentage increase that triggers a remarket, and they're candid about the risks of rewrites, including losing carrier longevity, losing policy features, and E&O exposure for missed coverages. Their stats are worth reading: 65% of customers who leave never talked to an agent first, 80% who did talk to an agent stayed, and bundled policies retain at 91% versus 67% for monoline. They also publish program results from a real engagement with Cross Insurance in Washington State: 2,269 account reviews completed in six months, a 78% success rate on review attempts, and a 48% quote-to-sale rate on accounts quoted. This is a consulting and training program rather than a calling service, so your staff still makes the calls. Pricing is not published.

Best for: Insurance agencies and brokerages that want to build an in-house renewal review call program with expert process design and training.

The right renewal and retention call solution depends on how your brokerage is built. If you want the calls made for you, at scale, inside the 30 to 60 day pre-renewal window, and you'd rather not hire a calling team, My AI Call Center's managed campaigns are the strongest fit, with transparent per-minute pricing from 9¢ per connected minute, consent-checked lists, and outcomes routed straight into your CRM. If you'd rather build the muscle in-house, Agency Performance Partners' AppX Retention program will give your staff a proven process and checklists. If predictive analytics and full lifecycle outsourcing are what you need, Qualfon and MarketStar are credible enterprise options. Perspective AI covers the pre-renewal interview problem specifically, and Global Response offers a human-first contact center for relationship-heavy books. Whatever you choose, the one thing you can't do in 2026 is keep mailing renewal notices and hoping silence means satisfaction. The research says it doesn't. Ready to run more useful renewal calls without building a bigger call center? Start with a free campaign review at myaicallcenter.app and get a full quote before anything launches.

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