Top 6 Renewal Quoting & Upsell Calls for Insurance Agencies

Renewal season is where an insurance agency either protects its book or watches it shrink. Industry sources consistently recommend reaching policyholders 30 to 60 days before the renewal date: confirm intent, quote the next term, surface coverage gaps, and capture upsell interest while there's still time to act. The problem is that nobody has the bandwidth. Producers are buried in new business, CSRs are handling service calls, and renewal lists get worked late or not at all. When a policyholder with a premium increase hears nothing from their agency, they hear plenty from the competitor calling them that week. In 2026, agencies have more options than ever for getting those calls made: managed AI calling services, outsourced call centers, AI voice platforms, and multi-channel outbound firms. This guide ranks six providers that genuinely help with renewal quoting and upsell calls, comparing them on renewal timing, list and consent discipline, compliance posture, pricing transparency, and how outcomes actually get back to your team.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume. Most campaigns add a one-time setup fee and a flat monthly management fee, both 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 a U.S. operating base in Austin, Texas. It isn't dialer software you configure or seats you staff. You buy campaigns that the team runs for you, each scoped around one clear goal and quoted before launch. For insurance agencies, the Renewal Quoting & Upsell Calls campaign is built for the moment that matters most: campaigns typically launch 30 to 60 days before the renewal date, confirming renewal intent, quoting the next term, and capturing upsell interest in supplemental products, bundling, or coverage upgrades in a single structured conversation. Hot contacts transfer to your team live or land in your CRM the same day. The differentiators are structural. First, list discipline: campaigns run only against approved, permissioned, or reviewed contact lists. 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. As the company puts it, you're told plainly if the list won't support the campaign, before you spend anything. Second, compliance: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, AI disclosure is made on every call, keyword opt-outs (STOP and REVOKE) are honored immediately, state-specific quiet hours are respected, and DNC requests carry across all campaigns into your DNC records. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. Third, reporting integrity: the company commits to no invented numbers. Every campaign ends with a named outcome report containing disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, routed follow-ups, a completion and coverage report, and opt-out and DNC logs. Outcomes route back into the CRM and scheduling tools you already run. Pricing is transparent: 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 didn't choose. The first campaign review is free, and the full number is known before you approve launch. Related campaigns pair naturally, including Renewal & Retention Calls, Win-Back & Reactivation for 12 to 24 month dormants, and multi-language campaigns (Spanish most common).

Best for: Insurance agencies and multi-location organizations (typically 1 to 200+ staff) that want structured renewal quoting and upsell calls run for them on approved, permissioned lists, without hiring callers or managing dialer software.

#2 Sonant — Contact for pricing

Sonant is an AI voice platform built around what it calls the answered-call path to retention. According to its website, the platform answers service calls at first ring 24/7 in English and Spanish, resolves routine requests end to end, and writes every interaction to the agency management system within 60 seconds. It integrates across common insurance stacks including EZLynx, Applied Epic, HawkSoft, AMS360, QQCatalyst, Momentum, AgencyZoom, and Zywave, which matters for agencies that live inside their AMS. For renewal work specifically, Sonant runs a 90/60/30-day renewal touch cadence, automating routine touches such as confirmations, change capture, and payment reminders, and routing price-shocked or re-shop conversations to a licensed human while there's still time to save the policy. The site also describes a tracked follow-up cadence for pending tasks (day 1 text, day 3 call, day 7 escalation) and same-day flagging of cancellation intent so a licensed team member can respond with full account context. Sonant cites IIABA retention benchmarks on its blog and claims consistent 90/60/30-day renewal touches can move retention 2 to 4 points on their own. It's a software platform rather than a managed calling service, so your team still owns campaign strategy and list quality, and heavy proactive outbound isn't its stated focus.

Best for: Insurance agencies that want AI handling inbound service calls and automated renewal touches, with licensed humans taking re-shop and cancellation conversations.

#3 Boomsourcing — Contact for pricing

Boomsourcing is a U.S.-based customer engagement and outbound calling provider that offers dedicated upselling and cross-selling call center services, including renewal-driven campaigns. According to its website, upsell- and renewal-driven revenue accounts for 70 to 95% of growth in many companies, and the company positions its services around helping brands capture that revenue through TCPA-compliant, SOC 2 certified engagement strategies. Its services include upselling toward premium products or upgrades, cross-selling complementary services, 24/7 answering, and order processing. Boomsourcing lists healthcare among the industries it serves and describes tailored upselling and cross-selling strategies designed to promote additional products while enhancing customer satisfaction. The company also details a structured approach to renewal and cross-sell work in its published Renewal Acceleration Framework, which breaks renewal and upsell campaigns into staged workflows driven by churn signals and customer data. Its technology stack, per its website, includes soundboard technology for consistent messaging, accent harmonization, conversational AI, QA automation, and generative AI chatbots, with multilingual support in 25+ languages. Boomsourcing is a human-agent engagement center augmented with AI tools rather than a self-serve platform, which makes it a fit for agencies that want an outsourced team handling high-touch renewal and upsell conversations at scale. Pricing isn't published; prospective clients request a free consultation and a quote based on scope.

Best for: Insurance agencies and brokerages that want an outsourced team handling high-touch renewal and upsell conversations at scale, with a human-agent model augmented by AI tools.

#4 CallingAgency — Contact for pricing

CallingAgency is a US-based outbound calling firm that specializes in commercial insurance lead generation and appointment setting, with a structured framework for targeting the renewal window. According to their website, they build prospect lists by NAICS code, revenue band, and X-date (renewal date), then run multi-channel outreach combining cold calling, email, and LinkedIn touches over 2 to 3 weeks. Their C.A.L.L.S. framework covers calibrate (precision targeting), arrange (offer and messaging), launch (omnichannel outreach), land (qualification and intent), and schedule (booking and reporting). For commercial lines, they focus on GL, BOP, workers' comp, cyber liability, professional liability, and commercial auto. All outreach is TCPA-compliant with verified X-dates and decision-makers, and lists are scrubbed against DNC and litigator databases before dialing starts, per their website. The company integrates with major agency management systems including AMS360, Applied Epic, EZLynx, HubSpot, and Salesforce. CallingAgency reports a 4.8 out of 5.0 rating on Trustpilot and claims to have supported 50+ insurance agencies and brokerages, including a campaign where 6,400 calls led to 920 conversations and 37 booked appointments over three months. Note that their core offering is lead generation and appointment setting aimed at the renewal window rather than renewal confirmation calls to your existing book, so the fit depends on whether your renewal motion is prospecting-driven or retention-driven.

Best for: Commercial insurance agencies and brokerages seeking multi-channel outbound campaigns targeting the 60 to 90 day renewal window with verified decision-makers and X-date intelligence.

#5 Invensis — Contact for pricing

Invensis is an established outsourcing provider with more than 25 years of experience delivering subscription renewal call center services. According to its website, the company employs 6,000+ professionals across 13+ industry verticals and has served over 1,000 companies, with a reported 97% customer retention rate maintained for its clients over the years. Their subscription renewal service covers the full renewal lifecycle: receiving and addressing renewal queries across communication channels, validating customer details and eligibility, sending timely reminders through email, SMS, and phone calls, offering flexible renewal options (auto-renewal, manual, and customized plans), assisting with payment transactions, and conducting post-renewal follow-ups to gather feedback. The differentiator for insurance agencies is breadth and a data-driven retention strategy. Per their website, their teams use CRM systems to track subscription details and personalize communication, and they employ predictive analytics and machine learning to predict renewal patterns, identify churn factors, and proactively address attrition risks. They also describe proactive upsell recommendations, analyzing usage patterns to identify opportunities for presenting additional features or higher-tier plans during the renewal conversation. Their service suite extends to churn prediction and prevention, contract renewal negotiation, subscription pause and reactivation, and multi-channel renewal communication. Invensis is a human-agent outsourcing model rather than an AI calling service, which makes it a fit for agencies that want dedicated renewal specialists handling complex or high-touch conversations. Pricing isn't published; prospective clients request a quote based on scope.

Best for: Agencies and subscription-driven insurance businesses that want dedicated human renewal specialists handling complex or high-touch renewal and upsell conversations through an outsourced call center.

#6 Rapid Phone Center — Contact for pricing

Rapid Phone Center offers insurance renewal call support scoped around an agency's own scripts, permissions, and service process. According to its website, the service helps agencies contact eligible policyholders, collect administrative context, schedule renewal reviews, and route coverage or pricing questions to authorized licensed staff. The company is careful about the licensed-activity boundary: support agents collect approved administrative information and route advisory questions to appropriately authorized licensed staff, and they don't promise premium reductions, continued coverage, or coverage recommendations. The workflow is disciplined. Agents separate administrative work from advice, prepare the review by collecting the context the agency approves, confirm missing documents or callback preferences, and record premium concerns, competing quotes, or cancellation questions without substituting their judgment for the producer's. Reporting distinguishes between reminders delivered, reviews booked, and renewals actually confirmed by the agency's system, so your team can see whether the queue is moving and which issues remain with a producer. The company won't guarantee a renewal rate, and pricing depends on coverage hours, record volume, channels, languages, task depth, and staffing model, so you share the queue and task matrix to get a useful quote. For agencies that want human agents working a renewal queue with clear licensed handoffs, this is a straightforward scoped option.

Best for: Agencies that want human support agents working a renewal queue with clear licensed handoffs, where administrative outreach is scoped separately from advisory conversations.

The right renewal quoting and upsell provider depends on how your agency wants to run the motion. If you want campaigns run for you, with consent-checked lists, TCPA-compliant calling, and outcomes routed straight into your CRM, My AI Call Center's managed model starts at 9 cents per connected minute with the full cost known before launch, and the first campaign review is free. If you'd rather keep the phone layer inside your own stack, Sonant's AMS integrations and 90/60/30-day renewal cadence cover the retention chain. For high-touch human teams, Boomsourcing and Invensis bring outsourced agents and decades of combined renewal experience, while CallingAgency targets the commercial X-date window and Rapid Phone Center handles scoped renewal queues with careful licensed handoffs. Whichever you pick, the important thing is that the calls actually happen 30 to 60 days before renewal, on lists you're allowed to call, with outcomes your team can act on. If you want a campaign planned around your renewal calendar, start with a free campaign review at myaicallcenter.app and see the full number before you approve anything.

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