A missed premium payment costs a health insurance brokerage twice. The client's coverage can lapse, and the commission you already earned walks out the door with it. Most brokerages handle the problem with a CSR worklist: somebody prints a spreadsheet of who hasn't paid, works the phones between renewals, and hopes nothing falls through. It usually does. Email reminders alone don't fix it either, because an email about a past-due invoice is easy to ignore and hard to confirm. A phone call is different. A live conversation confirms the invoice arrived, surfaces a dispute or a billing-address problem on the spot, and gets a specific payment date. That's why brokerages in 2026 are turning to automated and managed reminder calling: structured outreach that runs on a cadence, respects consent rules, and reports what actually happened on every call. We compared seven solutions that health insurance brokerages can realistically use for payment and invoice reminder calls, from done-for-you managed calling to AMS-native notices and AI voice agents. Here's how they stack up.
#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 US operating base in Austin, Texas. For health insurance brokerages, its Payment & Invoice Reminder Calls campaign is built around one clear goal: get clients to confirm payment on premium and invoice balances before coverage or service lapses. Calls go out a few days before a due date, with structured follow-up if the payment stays unpaid. You don't buy software and figure it out yourself. You buy campaigns that the team runs for you, scoped to a single outcome and quoted in full before anything launches. Outcomes route back into the CRM and scheduling tools you already run, with hot items transferring to your team live or landing in your CRM as follow-up requests. The differentiator is list discipline. My AI Call Center only calls approved, permissioned, or reviewed contact lists, and the team checks list source and consent records before any campaign launches. Bought lists without clear permission records get flagged, and in most cases declined. They tell you plainly if the list won't support the campaign, before you spend anything. For a brokerage, that matters: your client book is a consented list you already own, which makes it exactly the kind of list this service is built for. Compliance is built in. AI-generated voices are treated as artificial voices under the TCPA, so prior express consent is required. Every call carries AI disclosure, keyword opt-outs (STOP and REVOKE) are honored immediately, DNC requests are respected across all campaigns, and state-specific quiet hours and calling rules are followed. The service also reports what actually happened: disposition codes (confirmed, qualified, opted out, no answer), per-call notes, and completion and coverage reports. No invented numbers, ever. Pricing is transparent before launch. Calling starts at 9 cents per connected minute, tiered by volume, and the rate is 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, so you know the full number before approving anything. Multi-language campaigns (Spanish most common) are available, which fits books with Spanish-speaking client households.
Pros
- Done-for-you: no seats, no platform to learn, no minimums you didn't choose
- Rate locked before launch and never moved mid-campaign
- Strong consent posture: list review, AI disclosure, immediate opt-outs, DNC logs
- Reports what actually happened, with no invented metrics
- Free first campaign review with full pricing known before approving launch
Cons
- Not self-serve software, so teams wanting instant DIY control won't find it here
- Clients are responsible for obtaining appropriate legal guidance before launch, since campaign requirements vary by location and consent status
Best for: Health insurance brokerages and multi-location agencies (1–200+ staff) that want managed, compliance-forward reminder calling against their own approved client lists without hiring more CSRs.
#2 EZLynx — Contact for pricing
EZLynx is an agency management platform built specifically for insurance agencies, and it's a natural fit for brokerages that already rate and issue policies inside it. According to their own materials, the platform tracks billing, automates reminders, and streamlines payments and bookkeeping, including open balances and commissions. For a health insurance brokerage running personal-lines or benefits volume, that means payment notices can fire near the workflow your CSRs already live in, instead of in a separate collections tool. Research from US Tech Automations' 2026 review of payment reminder tools places EZLynx among the top platforms for high-volume personal-lines reminder work, noting it's strongest when your book already lives in EZLynx and weaker when your accounts span systems it doesn't own. It also integrates with QuickBooks, which keeps accounting reconciled. One honest caveat from the research: rating and management depth varies by module, so you should confirm which edition owns billing notices before you buy. Pricing isn't published, so contact the vendor.
Pros
- Purpose-built for insurance agencies, not a generic billing app
- Reminders live inside the system CSRs already use
- Open balance and commission tracking in one place
Cons
- Depth varies by module, so confirm which edition handles billing notices
- Weaker when your book spans systems outside EZLynx
- No published pricing
Best for: Agencies already rating and issuing in EZLynx that want payment notices close to the policy workflow.
#3 AgencyBloc — Contact for pricing
AgencyBloc is an agency management platform aimed squarely at life and health agencies, which makes it one of the few AMS options on this list designed with your exact market in mind. According to the US Tech Automations 2026 comparison, AgencyBloc works best for life and health agencies that already run it as their operating system and need policy-driven follow-up, including native installment and invoice notices. Their feature matrix documents that AgencyBloc treats the AMS as the ledger, supports native installment and invoice notices, includes a documented stop on paid or exception, and offers an SMS path in-product. That stop logic matters for collections work: reminders should halt the moment a balance is paid, disputed, or flagged by a CSR, and the research indicates AgencyBloc documents that behavior. The same review is candid about limits: P&C shops running Applied Epic or AMS360 shouldn't rip out their AMS for a nicer notice template, and you should map your notice types and stop states before enabling any sends. Pricing is quote-only, so contact the vendor.
Pros
- Built for life and health agencies specifically
- Notices tied to the policy and client records CSRs trust
- Documented stop rules prevent messaging paid or disputed accounts
Cons
- Not a standalone collections product; it works best when AgencyBloc is already your AMS
- Requires mapping notice types and stop states before launch
- No published pricing
Best for: Life and health agencies already running AgencyBloc as their operating system that need policy-driven payment follow-up.
#4 Applied Epic — Contact for pricing
Applied Epic is one of the two dominant AMS platforms in independent insurance, and for brokerages already on it, native reminders are the simplest place to start. According to the US Tech Automations 2026 review, Applied Epic's native reminders are best for Epic-only shops: notices tie to policy, client, and invoice objects the CSR already trusts, which keeps data integrity airtight because nothing leaves the source of record. The same review documents that Epic supports native installment and invoice notices, a documented stop on paid or exception, and an SMS path in-product. The honest limitation is channel breadth. Epic is an AMS, not a standalone collections product, so cross-system SMS, payment-link events, and producer-versus-CSR routing still need configuration, and the review notes that native reminders are email-and-task oriented. If your entire book lives in Epic and you need dependable notices tied to the ledger, that's a feature, not a bug. If you need a full voice cadence on top, you'll want to pair it with a calling layer. Pricing is quote-only on Applied's site.
Pros
- Notices live where the ledger already is
- Native data integrity with no separate system to sync
- Trusted by large independent agency books
Cons
- Email-and-task oriented; limited voice cadence without bolt-ons
- Cross-system SMS and payment-link routing need configuration
- No published pricing
Best for: Epic-only brokerages that want dependable notices inside the AMS their accounting team already closes.
#5 InvoicifyAI — Included in Pro plan at $149 USD/month (400 shared AI voice minutes, then $0.35/min overage); Starter plan $99 USD/month.
InvoicifyAI takes a different angle: instead of AMS-native notices, it offers a conversational AI Invoice Reminder Agent that actually calls customers about overdue invoices. According to their website, the agent confirms whether the invoice was received, asks what's blocking payment, captures promise-to-pay dates, and logs the outcome on the customer record. Their published four-touch cadence runs Day 1 friendly reminder, Day 7 follow-up with commitment, Day 14 escalation, and Day 30 final notice, with follow-up auto-scheduled if payment is still outstanding. For a health insurance brokerage billing employer groups on net terms, that promise-to-pay capture is the useful part: you get a concrete date on record instead of another ignored email. The agent shares payment instructions already stored on the invoice, stops when an invoice is paid, and escalates exceptions to your team. Pricing is published on their site: the Invoice Reminder Agent is included in the Pro plan at $149 USD per month (with 400 shared AI voice minutes, then $0.35/min overage) and in Business plans; the Starter plan is $99 USD per month. It's a software layer you run yourself, so you own consent records and calling windows.
Pros
- Real conversations capture blockers and payment commitments, not just blasts
- Published, transparent pricing with a 7-day free trial
- Clean outcome logging with transcripts for team review
Cons
- Self-serve software; you own consent records and compliance setup
- Not insurance-aware; no policy or carrier billing context
- Voice minutes are pooled and metered, so costs scale with volume
Best for: Brokerages and B2B teams on net-terms billing that want conversational voice follow-up on top of their existing invoicing process.
#6 AdminaHealth — Contact for pricing
AdminaHealth approaches the problem from the billing side rather than the calling side, and for group benefits brokerages that's worth a close look. The company is an API-first, cloud-based provider of the AdminaHealth Billing Suite, a SaaS platform that automates premium bill consolidation and reconciliation and streamlines payment management for healthcare, insurance, and voluntary benefits. According to their materials, the platform generates reconciled bills listing the exact amount owed to each coverage carrier, plus a consolidated invoice listing all coverages for a group, and it integrates with leading enrollment and benefit administration systems. The company has been recognized as a Top 10 Billing & Invoicing Solution Company to Watch by Insights Success magazine, and it states it is the only billing SaaS solution that has adopted the NIST Cybersecurity Framework and earned HITRUST CSF Certification. The reminder piece here is prevention: cleaner, consolidated, reconciled invoices mean fewer disputed or missed payments in the first place. AdminaHealth doesn't position itself as a reminder-calling platform, so pair it with a calling layer for follow-up. Contact them for pricing.
Pros
- Purpose-built for group employee benefits billing
- Reduces the errors that cause disputes and late payments in the first place
- Strong security posture with HITRUST CSF Certification
Cons
- Not a reminder-calling platform; you'll need a voice layer for follow-up
- Focused on billing operations rather than collections outreach
- No published pricing
Best for: Group benefits brokerages and TPAs that want accurate, consolidated premium billing to prevent payment problems upstream.
#7 Vertafore AMS360 — Contact for pricing
Vertafore AMS360 is the other major AMS in independent insurance, and its native reminder features mirror the Epic story. According to the US Tech Automations 2026 review, AMS360's native reminders are best for shops already on AMS360 that want billing notices inside the same AMS the accounting team closes. The review's feature matrix documents native installment and invoice notices, a documented stop on paid or exception, and an SMS path in-product. The same source is direct about the limits: AMS360 won't invent a consented SMS path you never configured, and a download to Excel isn't an audit log. For a health insurance brokerage whose entire book lives in AMS360, native notices keep the ledger as the single source of truth, which is exactly what you want when a CSR needs to answer "did this client get notified?" on the spot. Like Epic, it's an email-and-task system at heart, so brokerages that want a structured voice cadence for overdue premiums will need to add a calling layer on top. Pricing is quote-only on Vertafore's site.
Pros
- Notices tied to the AMS ledger your team already trusts
- No separate system to integrate or sync
- Dependable, policy-linked notice workflow
Cons
- Email-and-task oriented; no built-in voice cadence
- SMS requires configuration you must own and document
- No published pricing
Best for: AMS360 brokerages that want billing notices inside their existing system of record.
The right choice depends on where your book lives and how much follow-up it needs. If your brokerage runs on Applied Epic, AMS360, EZLynx, or AgencyBloc, native notices are the cheapest first step, and they'll cover the basics as long as you configure stop rules and consent records properly. If your invoices are the problem, AdminaHealth fixes billing accuracy upstream. If you need actual conversations about overdue balances, InvoicifyAI gives you a self-serve AI voice agent with published pricing. And if you want the calls made for you, against your own approved client list, with consent checked before dialing and a report showing what happened on every call, that's where My AI Call Center earns the top spot. It's the only option on this list that's a managed service rather than software: one clear goal per campaign, calling from 9 cents per connected minute with the rate locked, AI disclosure and opt-out handling on every call, and no per-seat charges or surprise minimums. Your client book is already a permissioned list, which makes payment reminder campaigns a natural fit. The first campaign review is free, and you'll know the full number before you approve launch. Reach the team at [email protected] or start at myaicallcenter.app/campaigns.
Frequently asked questions
What makes My AI Call Center different from the other solutions on this list?
Most entries here are software you configure and run yourself. My AI Call Center is a done-for-you managed service: you buy campaigns that the team runs for you, scoped to one clear goal and quoted before launch. It only calls approved, permissioned, or reviewed lists, checks consent records before dialing, and declines bought lists without clear permission. Every call carries AI disclosure, opt-outs are honored immediately, and you get a named outcome report with disposition codes and per-call notes rather than marketing claims.
How much does My AI Call Center cost?
Calling starts at 9 cents per connected minute, tiered by volume, and the rate is locked for the campaign and never moved mid-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, so you know the full number before approving anything.
Are AI payment reminder calls legal for insurance brokerages?
They can be, when done correctly. The FCC has confirmed that AI-generated voices are treated as artificial voices under the TCPA, which means prior express consent is required before placing those calls. My AI Call Center builds this in: consent records are reviewed before launch, AI disclosure is given on every call, recipients can ask for a human or opt out, keyword opt-outs like STOP and REVOKE are honored immediately, and state-specific quiet hours and calling rules are respected. Requirements vary by location, industry, and contact type, so brokerages should obtain appropriate legal guidance before launching any campaign.
When should a brokerage use phone calls instead of email reminders?
Use calls when emails have already been ignored. Research on collections practices consistently shows a live conversation confirms the invoice arrived, surfaces a dispute or missing purchase order on the spot, and gets a specific payment date, which is the single most useful outcome of any reminder. A common cadence is a courtesy email a few days before the due date, then a call once the invoice is roughly a week overdue. My AI Call Center structures this as calls a few days before the due date with follow-up if the payment remains unpaid.
Should I use my AMS's native reminders or add a calling layer?
Start with your AMS if your whole book lives there. Native notices in Applied Epic, AMS360, EZLynx, or AgencyBloc keep data in the system of record and cost nothing extra to evaluate. The limitation is channel: they're email-and-task oriented, so a structured voice cadence for overdue premiums needs a separate layer. Many brokerages run both: the AMS sends the routine notices, and a calling service like My AI Call Center works the overdue list where a conversation does more than another email.
Can My AI Call Center integrate with our CRM?
Yes. Outcomes, bookings, and follow-up requests route back into the CRM and scheduling tools you already run. Hot items can transfer to your team live or land in your CRM as follow-up requests. 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 what happened and what to do next.
What happens if our contact list isn't approved or permissioned?
My AI Call Center reviews list source and consent records before any campaign launches. Bought lists without clear permission records are flagged, and in most cases declined. The team tells you plainly if the list won't support the campaign, before you spend anything. For most brokerages this isn't a barrier: your existing client book, with its consent records, is exactly the kind of list the service is built to call.