BackNine Quote & Apply review for insurance agents: pricing, carriers and features
BackNine Quote & Apply quotes term, permanent and final expense life, long-term care and MYGA annuities, then turns the quote into a prefilled eApp. Agents use it themselves or put it on their website for clients.
Agents get it free by contracting with BackNine as their general agency. BGAs and agencies that keep their own contracts can license it as SaaS.
- Best for
- Life agents who want quote, eApp and case tracking in one place, and P&C agencies adding life
- Lines
- Term, permanent and final expense life, long-term care and MYGA annuities
- Price
- No software fee when BackNine is your general agency. SaaS for your own contracts has a setup fee from $3,000
- How you get it
- Sign up free with your NPN and contract through BackNine
- Carriers
- 22
- Applications
- Prefilled eApp from the quote, signed by DocuSign on most cases
- Website quoter
- Yes, as a link, an embed or your own domain
Our take
Quote & Apply fits a life agent who wants the quote, the application and case tracking in one place. It also suits P&C agencies, since AMS360, NowCerts, PL Rating and Applied can open a prefilled life app.
On the Agent path you pay nothing for the software, because BackNine becomes your general agency and earns from the carriers. That's a contracting decision, not just a software choice.
The limit that matters most is portability. BackNine doesn't promise you keep cases and consumer links after you move your contracts.
Pros
- No software fee on the BackNine contracting path
- A quote turns into a prefilled eApp with DocuSign on most cases
- Consumer quote links, embeds and a custom domain option
- Connections to AMS360, NowCerts, PL Rating, Redtail and Wealthbox
- Exam, instant-decision and rate-class flags on each quote
Cons
- The free path ties your contracts to BackNine as general agency
- No promise of access to cases after you leave
- SaaS fees beyond setup are quoted, not published
- No published rate update schedule
- No mobile app
Plans and pricing
| Plan | Price | Billed | What it adds |
|---|---|---|---|
| AgentAgents who contract through BackNineWhere most agents start | $0 | No software bill | Quote & Apply, BOSS case tracking, consumer links, contracting and BackNine's case and underwriting help |
| SaaSBGAs, IMOs and agencies with their own contracts | Setup from $3,000 | Quoted by sales | Quote & Apply and BOSS under your own general agency, without appointment processing |
Prices as of October 2026, from back9ins.com. On the Agent path the carriers pay BackNine as your general agency, so you pay no software fee.
Good to know before you buy
- SaaS fees after the setup are quoted by sales.
- A custom domain for your consumer page is $1,000 one time.
- Webhooks and the AMS360 and PL Rating connections carry no BackNine charge.
- Zapier bills you separately if you use it.
- Licensing, E&O and leads are still your own costs.
Which plan has it
| Feature | Agent | SaaS |
|---|---|---|
| Quoting and eApps | ||
| BOSS case tracking | ||
| Contracting and appointment processing | ||
| Uses your own general-agency contracts | ||
| Software fee | None | Setup plus quoted fees |
Access and contracting
- How you get it
- Sign up with your NPN for instant access. No card needed
- Who pays
- Carriers, through BackNine's general-agency pay on the Agent path. You pay on SaaS
- What you need first
- A BOSS account, contracting through BackNine and your state licenses. Variable UL also needs a securities license
- If you leave your upline
- Access depends on BackNine. Carrier release follows each carrier's rules
Your cases sit with your general agency. On the free path BackNine is your general agency, and it doesn't promise access to quotes, eApps or consumer links after you move. Export clients and cases from BOSS before you leave.
BackNine says there is no production minimum.
Carriers, products and states
| Product | Type | Lines | Built for |
|---|---|---|---|
| Quote & Apply | Quote-to-apply platform | Term, permanent and final expense life, long-term care, MYGA annuities | Agents, P&C agencies, advisors and BGAs |
| BackNine Link | Website quoter | The same products, for consumers | Agency websites and client links |
| BackNine API | Quote API | Quotes, prefilled eApps and illustrations | Agencies and fintechs with developers |
- Carriers
- 22
- Carrier list
- back9ins.com carrier list
- States
- Starts from where you are. You can switch to any state you're licensed in
BackNine lists 22 Quote & Apply carriers, as of October 2026. What you can sell in a state still depends on your license, the carrier and its appointment rules.
Rates and underwriting
- Where rates come from
- Live requests to the carriers. Slow carriers can drop out of a quote
- Fixing a wrong rate
- Tell support or your BackNine brokerage team
Underwriting tools
- Health rating from 1 to 5 and table ratings
- Rate class checked against the carrier
- Exam or no-exam flags, plus instant-decision and guaranteed-issue flags
- Product underwriting guides
- Build and smoker charts
Health data it checks
- Tobacco type, how often and when last used
- Height and weight
- Overall health rating
- Doctor visits when records are needed
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | An estimated premium. Underwriting sets the final class and price |
| Rate comparison | Products and carriers side by side |
| Carrier illustration | The carrier's own illustration for permanent products |
- What you can send the client
- A PDF, an email, a text or a link
Quotes expire after 24 hours. A quote doesn't confirm the class, the exam waiver or that the carrier will issue.
Applications and enrollment
- Where the application goes
- Pick a product and the quote becomes an eApp. You track the case in BOSS
- Carriers with eApp
- Varies by carrier and product. Some finish on the carrier's site or as a drop ticket
- What carries over
- Client details, health and tobacco answers, build, owner, beneficiary, job and finances
- E-signature
- DocuSign on most cases. Some carriers want a signed paper upload
In states that need an appointment first, signing waits until the appointment is active. Elsewhere BackNine requests the appointment with the application.
Website quoting and consent
Consumers see estimated premiums, compare products and can start the application themselves. An application opens once they give an email and phone number.
- Ways to add it
- A BackNine link, an embed on your site, your own domain or the API
- Your branding
- Your greeting, colors and photo. You also choose carriers and products
- Where leads go
- A notice to you. Agency teams can rotate leads across agents
- Consent record
- You can add your own consent statement. BackNine doesn't store consent timestamps
- From plan
- Both plans. A custom domain is $1,000 one time
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| Applied and EZLynx | Agency system | Built in | In | Adds life and long-term care to P&C quotes |
| Vertafore AMS360 | Agency system | Built in | Both ways | Prefills the eApp and shows life rates inside AMS360 |
| Vertafore PL Rating | Rater | Built in | Both ways | Prefills the eApp and can send a default term quote |
| NowCerts | Agency system | Built in | Both ways | Prefills the eApp and shows life rates inside NowCerts |
| HawkSoft | Agency system | Through InsuranceGig | In | Opens a prefilled eApp |
| Redtail | CRM | Built in | Both ways | Prefills from contacts and sends cases back |
| Wealthbox | CRM | Built in | In | Opens Quote & Apply with the contact filled in |
| Singular | CRM | Built in | Both ways | Opens forms and receives eApp and case updates |
| MedicarePro CRM | CRM | Built in | In | Starts a prefilled life eApp |
| Zapier | Automation | Zapier | Out | Sends case and eApp data to other apps |
| Your own systems | API | Webhooks and API | Both ways | Quotes, prefill, eApps, illustrations and case updates |
Zapier is billed separately by Zapier.
Getting started
Sign up
Enter your NPN. Access is immediate and no card is needed.
Contract in BOSS
Finish contracting before you complete an application.
Set up your consumer link
Add your greeting and colors, pick carriers and products, then add a consent statement.
Quote and apply
Run a quote, pick a product and send the prefilled eApp for signature.
Support runs around the clock by phone at 800-790-1951 and by email, with a help center and an assigned brokerage team. SaaS setup time is quoted.
Mobile, users and security
Mobile
Quote & Apply runs in the browser on phones and computers. There's no app.
Users and security
- BackNine says it passed a SOC 2 Type 2 audit
- Stored client data and documents are encrypted
- Daily backups kept at least 30 days
- Staff don't open client data in normal work
Contract and your data
- Canceling
- Delete your account or turn off an application anytime
- Your clients
- BackNine won't use them to earn commission unless you're paid too or you agree
- Your data when you leave
- Export from BOSS as a CSV, or by API, while you still have access
- Terms
- BackNine terms
Terms read in October 2026. SaaS term, renewal and refunds are set in the SaaS agreement you sign.
BackNine Quote & Apply alternatives
- iPipeline LifePipeThrough your BGATerm and GUL quotes, usually free through an upline
- HexureQuote onlyEnterprise eApp and quoting bought by carriers and uplines
- Ninja Quoter$19/moMonthly subscription with no upline tie
- Insurance Toolkits$39.99/agent/moFinal expense, Medicare Supplement and ancillary quotes by subscription
- EnsightQuote onlyCarrier illustrations for permanent life, sold to enterprises
See every option in insurance quoting software.
Frequently asked questions
Is BackNine Quote & Apply free?
Yes, when BackNine is your general agency. Carriers pay BackNine, so you pay no software fee. SaaS for your own contracts has a setup fee from $3,000.
Which carriers does Quote & Apply quote?
BackNine lists 22 carriers for Quote & Apply. Each quote follows your state license and the carrier's appointment rules.
Can I submit the application from Quote & Apply?
Yes. The quote becomes a prefilled eApp, and most cases are signed by DocuSign.
Can clients quote and apply on my website?
Yes, through a BackNine link, an embed or your own domain. Clients can start the application once they enter an email and phone number.
Does Quote & Apply work with my agency system?
It connects to AMS360, NowCerts, PL Rating, Applied and EZLynx. On the CRM side it works with Redtail and Wealthbox. HawkSoft goes through InsuranceGig.
What happens to my cases if I leave BackNine?
BackNine doesn't guarantee access after you leave. Export your clients and cases from BOSS first.
How we researched this review. We based this review on the pricing, terms and product pages published by BackNine Quote & Apply, 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 BackNine Quote & Apply quit selling or a contract term that reads different now, let us know and send the link to the page where BackNine Quote & Apply has it. Somebody here pulls up that page and checks it before we change anything on ours.