ACORDS.com and acords.ai review for insurance agencies: submissions, markets and pricing
ACORDS.com fills, saves, signs and emails ACORD applications and certificates in your browser. Its sister product acords.ai reads policies and old forms and fills the new form with AI.
It fits agencies that send their own submissions and want less typing. Hosted plans are billed yearly, and acords.ai sells credit packs.
- Best for
- Agencies, MGAs and risk managers that fill and reuse ACORD forms and certificates by hand or with AI
- Tool type
- ACORD form filler, plus an AI workbench that reads documents
- Price
- $180 a year for Basic Fill. acords.ai is free to start
- Markets
- None built in. You send forms to your own markets
- Whose appointment
- Yours
- ACORD forms
- 750+, with your own ACORD license
- Free plan or trial
- Five-day trial of the hosted forms
Our take
ACORDS.com is a form tool, not a market platform. It suits an agency or MGA that already knows where a risk goes and wants clean ACORD forms fast.
Basic Fill is cheap at $180 a year, and acords.ai costs about a penny per AI-filled field. You still need your own ACORD license, and nothing sends the form to a market for you.
Pros
- Low yearly price for 750+ forms
- AI fills forms from policies and old applications
- Copy details from one form to the next
- Bulk certificates for a list of holders
- Free to type and download in acords.ai
Cons
- Needs a separate ACORD license
- No market submission or quoting
- Doesn't connect to your agency system, though Gold adds contacts, policies and invoices that can stand in for a simple one
- Broad rights over content you upload to acords.ai
Plans and pricing
| Plan | Price a year | What it adds |
|---|---|---|
| Basic FillForms only | $180 | Fill, save, sign, print and email ACORD forms |
| BronzeAgency AnywhereAdds certificates and contacts | $300 | Contacts, certificate management and an activity log |
| SilverAgency Anywhere | $420 | Documents, notes, policies, letters and a calendar |
| GoldAgency Anywhere | $540 | Claims, commissions, invoices, payments and custom apps |
| Pack | Price | AI-filled fields |
|---|---|---|
| Starter PackOne-time | $9.99 | 999 |
| Pro PackOne-time | $39.99 | 3,999 |
| Enterprise PackOne-time | $99.99 | 9,999 |
As of October 2026, from acords.com and acords.ai. One credit fills one field with AI. Typing, signing and PDF download in acords.ai are free.
Good to know before you buy
- You need your own ACORD license, bought from ACORD
- Self Serve Certificates costs $400 a year and needs Bronze
- Extra users are priced on request
- acords.ai has its own sign-up and billing
Which plan has it
| Feature | Basic Fill | Bronze | Silver | Gold |
|---|---|---|---|---|
| 750+ ACORD forms | ||||
| Fill to another form | ||||
| Sign, print and email | ||||
| Contacts | ||||
| Certificate management | ||||
| Self Serve Certificates | Add-on | Add-on | Add-on | |
| Documents, notes and policies | ||||
| Claims, commissions and invoices |
Market access, commission and your book
- Whose appointment
- Yours. ACORDS.com doesn't place business
- Commission
- All yours, from your own carriers
- Who owns the client and renewal
- Your agency
Applications and ACORD forms
In the hosted plans you type into the forms, save them and copy shared details into the next form. In acords.ai you upload a policy, last year's ACORD form, a screenshot or an email. AI fills the form for you to check field by field.
- ACORD forms
- 750+, including the 125, 126, 127, 130 and 140 applications and the 25 certificate
- Reading documents
- acords.ai reads PDFs, screenshots, emails and text
- Prefill
- Fill to another form copies shared details between saved forms
- E-signature
- Yes
- Certificates in bulk
- acords.ai Merge Holders makes copies for a list of holders from a spreadsheet
You need a written license from ACORD to use its forms. ACORDS.com can't grant it and isn't part of ACORD. It also says its forms may not be the latest ACORD editions.
Sending submissions
- Who picks the markets
- You
- How it sends
- You email or print the finished form
Quotes, bind and payment
| Result | What it means for you |
|---|---|
| Filled ACORD PDF | A form ready to send to any market |
| Saved form | Reuse it next year or for the next client |
| Online certificate | Holders sign in and get a signed certificate |
- Bind
- No. It doesn't quote or bind
- Payment
- No
Integrations and retyping
- Writes back to your agency system
- No named connection
- Carrier portals
- No named connection
- Retyping still needed
- Moving form details into your agency system and carrier portals
Renewals
Saved forms carry over from year to year, and acords.ai can read last year's ACORD form to fill this year's.
How your data is used
Your submission data
- You own what you upload to acords.ai.
- Choices Software also gets a broad right to use, copy, change and share it, and can pass that right on.
- Email, security and analytics providers may see it.
- Kept for
- acords.com says acords.ai doesn't store your forms or client records. The terms of use say Choices Software may keep copies on backup servers even after you ask for removal. Ask which applies before you upload client files.
- Export
- Finished forms download as PDFs
- Deleted after you leave
- Email a removal request. The terms promise removal within 10 business days, and backup copies may remain.
Getting started
Get an ACORD license
Buy it directly from ACORD.
Start a trial
Try the hosted forms free for five days, or sign up for acords.ai.
Pick a plan
Choose Basic Fill or an Agency Anywhere tier.
Fill your first form
Type it in, or upload documents to acords.ai.
Support by phone at 800-873-4757 or email, weekdays 8:30 a.m. to 5 p.m. Eastern.
Contract terms
- Term
- Yearly for the hosted plans
- Refunds
- acords.ai refunds the latest paid month or year on request. Hosted plans: ask
- Price changes
- acords.ai gives 14 days' notice
- Terms
- acords.ai terms of use
acords.ai terms effective September 17, 2026. Billing disputes must be raised within 30 days. The hosted plans' terms aren't public.
ACORDS.com and acords.ai alternatives
- AppulateFreeFills ACORD forms and sends them to many markets
- BindlyFree plan, Pro $79/moAI client interview fills ACORD and carrier forms
- Applied IndioQuote onlyClient-facing applications and renewals tied to Applied Epic
- Talage WheelhouseQuote onlySmall commercial quoting with 20+ carriers through APIs
- Ask KodiakFreeAppetite search to find a market first
See every option in insurance quoting software.
Frequently asked questions
How much does ACORDS.com cost?
Basic Fill is $180 a year and Agency Anywhere runs $300 to $540. acords.ai is free to start, with credit packs from $9.99.
Do I need an ACORD license to use ACORDS.com?
Yes. You buy it from ACORD, and ACORDS.com can't grant it.
Does ACORDS.com send submissions to carriers?
No. You send the finished forms to your own markets.
What does acords.ai do with my uploads?
You own them, and Choices Software gets a broad right to use and share them. The homepage says acords.ai doesn't store forms. The terms allow backup copies, so ask.
How we researched this review. We based this review on the pricing, terms and product pages published by ACORDS.com and acords.ai, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan ACORDS.com and acords.ai quit selling or a contract term that reads different now, let us know and send the link to the page where ACORDS.com and acords.ai has it. Somebody here pulls up that page and checks it before we change anything on ours.