More Policies Per Agent. No TCPA Exposure.

AEP and OEP bring 90-day windows where every call counts. Year-round cross-sell and renewal campaigns require a different pace. PinnacleVoice adapts to both — with compliance automation that doesn't slow your agents down.

Get an Insurance Quote → See Platform Features
2x
Contact rate vs. manual dialing on warm insurance leads
8-20%
Typical insurance conversion rate on warm lists
24hr
Setup to first campaign — no long implementation
100%
DNC scrub before every campaign session

Insurance outbound has a compliance and volume problem at the same time.

AEP runs from October 15 to December 7. OEP runs January 1 to January 15 for most plans. That's roughly 70 days per year when your outbound team needs to run at maximum capacity. The rest of the year is renewals, cross-sell, and lead follow-up — each with different dialing needs.

Insurance calls to cell phones require written prior express consent under TCPA. Many insurance prospecting lists don't have that documentation. A single class action in insurance can exceed $1 million before it reaches a courtroom.

Pain #1
AEP volume spikes overwhelm manual teams
The enrollment window is too short for manual dialing to work at scale. Teams that can't automate miss their quotas every year.
Pain #2
Warm leads deserve a different pace than cold lists
An opted-in Medicare lead who filled out a form expects a real conversation. Predictive dialing's half-second delay signals a call center before your agent says a word.
Pain #3
Compliance documentation gaps create liability
Without a complete consent trail — date, method, source, proof — your team can't defend a TCPA claim even if the call was legitimate.
Pain #4
New agents take weeks to ramp on objection handling
Medicare and life insurance conversations require nuanced objection handling. New agents wing it. Experienced agents retire. The performance gap costs policies.

Built for Every Phase of Insurance Outbound

Power Dialing for Warm Leads

One call per available agent, zero delay on connect. Warm opt-in leads hear a voice the moment they pick up. No robocall pause, no abandoned call liability.

🎯

Predictive Dialing for AEP Cold Campaigns

During enrollment windows, run high-volume predictive dialing on cold prospecting lists. Maximize talk time when the enrollment clock is running.

👁️

Preview Mode for High-Value Policies

For annuity, life insurance, or high-value commercial accounts, agents review the full record before dialing — prior contact history, policy interest, notes.

🤖

AI Objection Coaching in Real Time

When a prospect raises "I already have coverage" or "I need to talk to my spouse," the AI coaching layer surfaces your best agent's proven response on screen — for every agent, every call.

🛡️

Consent Documentation and DNC Compliance

Every contact's consent record is logged with date, method, source, and proof. DNC scrubbing runs before every campaign. State-level calling windows enforced by time zone.

📊

Campaign Analytics by Product Line

Contact rate, conversion rate, and policy close rate tracked per campaign and per agent. Supervisors see which agents are struggling and why before end-of-day reporting catches it.

Which Mode for Which Insurance Campaign?

Campaign type
Best mode
Why
Expected result
Cold prospecting (AEP)
Predictive
Volume compensates for low connect rates
50-80 dials/hr
Warm opt-in leads
Power
No delay = no robocall signal
40-60 dials/hr
Annual renewal callbacks
Power
Prior relationship, conversational pace
40-55 dials/hr
Annuity or large policy
Preview
Review history before calling high-value
15-25 dials/hr

What Insurance Teams Ask Before They Sign

Can PinnacleVoice scale up for AEP and back down after?
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Yes. Monthly plans let you scale agent seat count up during AEP and OEP and adjust back down when enrollment windows close. There's no penalty for reducing seats mid-contract on a monthly plan. Annual plans lock in a lower per-seat rate if your team size is stable year-round.
How does TCPA compliance work for Medicare Advantage calls?
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Medicare Advantage calls to cell phones require written prior express consent under TCPA. PinnacleVoice tracks consent per contact, enforces cell vs. landline rules at the dialing layer, and maintains complete documentation for audit. State-level calling restrictions in FL, CA, and other states are enforced by recipient time zone automatically.
Does the platform support multiple product lines in separate campaigns?
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Yes. Life insurance, Medicare Advantage, auto, home, and commercial campaigns all run as separate campaigns with separate agent assignments, scripts, dialing modes, and compliance configurations. Agents can be assigned to multiple campaigns and PinnacleVoice routes them automatically based on availability.
How long does it take to get up and running?
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Most insurance teams are live within 24 hours. Setup includes account provisioning, campaign configuration, script loading, and DNC list import. If you have an upcoming AEP or OEP window, contact us at least two weeks before it opens to allow time for number registration and STIR/SHAKEN setup.

Ready Before Your Next AEP or OEP Window?

Tell us your team size, campaign types, and current dialing setup. We'll build a custom quote and have you live well before enrollment season opens.