Engage & Retain · HQA, Inc.

The lifecycle platform carriers, brokers & benefits teams run on.

Engage more. Retain longer. Grow smarter.

One platform reaches every policyholder moment automatically — from the first quote to the renewal sixty days out — across SMS, ringless voicemail, two-way AI, and Text2Enroll.

Book a demo See the three engines ↓

Outreach, on schedule Reach every quote, renewal, and life event the moment it happens. Explore Engage →

Recovered premium Turn missed payments and lapsing certificates back into coverage on the books. Explore Retain →

Onboarding & enrollment Automate document collection and enrollment — including Text2Enroll. Explore Fulfill →

19×more failed payments corrected — direct-to-consumer carrier

18%of separating cert holders kept coverage, up from <1%

96%open rate on Text2Enroll messages, vs. ~20% for email

<8 minaverage time to complete enrollment via Text2Enroll

One platform, three engines

Every stage of the policyholder lifecycle, covered by one platform.

Engage, Retain, and Fulfill run independently or together — automated outreach, automated recovery, and automated onboarding, all built on the same messaging and data layer.

Engage

Never let a moment go unanswered.

Quote requests, new policies, and renewal windows trigger automated SMS, ringless voicemail, and two-way AI conversation the moment they happen — not whenever someone gets to the call list.

Explore Engage →

Retain

Catch the lapse before it's final.

Failed payments and separating certificate holders get automated, structured outreach designed to recover premium and continue coverage — proven across two very different books of business.

Explore Retain →

Fulfill

Onboarding that finishes itself.

Document collection, handoffs, and enrollment run on autopilot — headlined by Text2Enroll, a text-first enrollment experience with no app, portal, or password.

Explore Fulfill →

Now live on Fulfill

Enrollment your employees actually finish.

A ringless voicemail kicks off the conversation. A guided text journey — welcome, health plan, voluntary benefits, whole life, dental & vision, confirmation — walks each employee through enrollment in one thread. No app. No portal. No password.

96%Open rate

85%+Pilot participation

10 minTo enroll

0Apps or passwords

See Text2Enroll in action

Proof, not promises

Two carriers. Two very different retention problems. Same platform.

Case study 01 — Direct-to-consumer

A publicly traded life insurer recovers failed payments automatically.

1.4% → 27%Failed payments corrected

19×Lift

6 moTime to live

Read the case study →

Case study 02 — Worksite

A Fortune 200 group health carrier keeps coverage on separating cert holders.

<1% → 18%Continued coverage

4.7 yrsAvg. time in force

Read the case study →

How it works

A simple system that scales with your book.

Connect the moment
Quote requests, new policies, renewals, and enrollment events post into the platform the instant they happen.
Automate the outreach
Engage, Retain, and Fulfill route each moment to the right sequence — SMS, ringless voicemail, two-way AI, or Text2Enroll.
Watch it work
Track engagement, recovered payments, and enrollment completions in real time, by book of business.
Refine and repeat
Use what's working to tighten timing and messaging across the entire lifecycle.

Engage more. Retain longer. Grow smarter.

See it on your own book of business.

Send us a sample of your lifecycle — quotes, policies, renewals, or open enrollment — and we'll show you exactly where the automation goes.

Book a demo