Best insurance CRM software for life agents
Below are the CRMs we found for life insurance. They follow our default order, which is not a quality ranking.
Of the 19 vendors with a product that lists life insurance among its insurance lines, 15 publish a starting price and four do not. Starting prices per user per month run from $20 at Ricochet360 (on a yearly contract) to $500 at Salesforce Financial Services Cloud (billed yearly). Starting prices per account per month run from $25 at Insureio to $119.20 at AgencyZoom (billed yearly, paid upfront).
Among the 19 vendors, one lists carrier downloads, eight sell month to month and 17 describe migration help.
Quick picks by need
- Lowest starting price per user per monthHubSpot and Ricochet360 (on a yearly contract)From $20 per user per month
- Month to monthAgencyZoom, TLDCRM, Ringy, Insureio, NextAgency, Agent CRM, Momentum AMP and MedicarePRO CRMNo yearly contract
- Commission trackingAgencyZoom, TLDCRM, Smart Agent CRM, Insureio, NextAgency, InsuredMine, Salesforce Financial Services Cloud, Momentum AMP, AgencyBloc AMS+ and MedicarePRO CRMProducer pay kept in the system
- Mobile appAgencyZoom, Shape, Ricochet360, Ringy, LeadSquared, NextAgency, InsuredMine, AgentCubed, Act!, Salesforce Financial Services Cloud, HubSpot, Agent CRM, Momentum AMP and AgencyBloc AMS+Agents can work from a phone
- Free trialAgencyZoom, Smart Agent CRM, Ringy, Insureio, NextAgency, Act!, Salesforce Financial Services Cloud, Agent CRM, Momentum AMP, AgencyBloc AMS+ and MedicarePRO CRMTry it before you pay
19 vendors
Its listed lines start with P&C and health. Life insurance is also on the list. Pick this if you want to buy month to month.
- Best for
- P&C agencies, independent or captive, that want lead follow-up, renewals and producer pay in one CRM
- Starting price
- $119.20 per month, billed yearly, paid upfront (October 2026)
- Lines
- Life
- Free trial
- 14 days
- Contract
- Month to month, or a year paid upfront
Keep in mind: no texting on Essential, and click-to-call needs Pro.
Read the AgencyZoom reviewIts listed lines start with health and Medicare. Life insurance is also on the list. Pick this if you want to buy month to month.
- Best for
- Health, Medicare and life agencies and call centers with 15 or more agents that buy leads and calls in volume
- Starting price
- $100 per user per month, billed monthly (October 2026)
- Lines
- Life
- Contract
- Month to month, renewing monthly
Keep in mind: no free trial.
Read the TLDCRM reviewIt lists personal lines first and life second among its lines. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Personal lines and life agencies that buy leads and want routing, calling, texting and renewal campaigns in one CRM beside their AMS
- Lines
- Life
- Contract
- Renews automatically, 30 days' notice to cancel
Worth checking: EZLynx is the only AMS link, and only one way.
Read the Shape reviewIt lists personal lines first and life second among its lines. Pick this if a published start of $20 per user per month fits your budget.
- Best for
- Agencies and call teams that buy leads and want CRM, phone, texting and dialing in one system
- Starting price
- $20 per user per month, on a yearly contract (October 2026)
- Lines
- Life
- Contract
- Monthly (two-month minimum), quarterly or annual terms that renew automatically
Check first: integrations and email and text automation start at the Explorer plan.
Read the Ricochet360 reviewIts listed lines start with health and Medicare. Life insurance is also on the list. Pick this if a published start of $95 per user per month fits your budget.
- Best for
- Medicare and health agents and FMOs that want Scope of Appointment, policies and commissions in a Salesforce-based CRM
- Starting price
- $95 per user per month, monthly, 12-month minimum (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Monthly with a 12-month minimum, or yearly
Keep in mind: tracking commissions takes an add-on with a setup fee.
Read the Smart Agent CRM reviewPick this if your producers work from phones, since there is a mobile app.
- Best for
- Life, health and Medicare sales teams that buy leads and want calling, texting and routing in one CRM
- Starting price
- $119 per month, billed monthly (October 2026)
- Lines
- Life
- Free trial
- 7 days
- Contract
- Month to month, renewing automatically
Keep in mind: no AMS connection or policy records.
Read the Ringy reviewIts listed lines start with health and Medicare. Life insurance is also on the list. Pick Vanillasoft if its published terms fit your agency.
- Best for
- Insurance sales teams of five or more that buy leads from several vendors and call them from one queue
- Lines
- Life
- Contract
- Term chosen at signup, renewing automatically
Check first: Do Not Call registry sources aren't named, and consent records stay your job.
Read the Vanillasoft reviewPick this if a published start of $25 per month fits your budget.
- Best for
- Independent life, final expense and annuity producers and BGAs that want quoting, applications and case tracking in one CRM
- Starting price
- $25 per month, billed monthly (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Monthly or yearly, renewing automatically
Worth checking: lead routing needs an Agency Management plan.
Read the Insureio reviewIts listed lines start with P&C and health. Life insurance is also on the list. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Larger agencies, insurers and call centers that want detailed rule-based lead distribution and automation
- Starting price
- $60 per user per month, billed yearly (October 2026)
- Lines
- Life
- Contract
- Term set in your order form, renewing for at least a year
Check first: email sync and the Distribution Engine (it reassigns missed leads) are paid add-ons.
Read the LeadSquared reviewIts listed lines start with health and Medicare. Life insurance is also on the list. Pick this if you want to buy month to month.
- Best for
- Life, Medicare, benefits and health agencies that want clients, renewals and commissions in one system
- Starting price
- $70.83 per user per month, billed yearly (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Month to month or prepaid yearly, renewing automatically
Keep in mind: no Android app.
Read the NextAgency reviewIts listed lines start with personal lines and commercial. Life insurance is also on the list. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Independent P&C agencies that want lead follow-up and renewals tied to their AMS
- Starting price
- $106 per user per month, billed yearly (October 2026)
- Lines
- Life
- Contract
- Monthly or yearly
Check first: round robin or hand assignment only, with no rules by state or line.
Read the InsuredMine reviewIts listed lines start with P&C and health. Life insurance is also on the list. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Health, Medicare and life agencies, call centers and carriers that want lead routing, quoting and enrollment in one system
- Lines
- Life
Check first: no round robin among its published routing rules.
Read the AgentCubed reviewAlso covers life, which puts it on this list of CRMs. Pick this if a published start of $30 per user per month fits your budget.
- Best for
- Small agencies that want a general CRM with email marketing and keep policies in an AMS
- Starting price
- $30 per user per month, billed yearly (October 2026)
- Lines
- Life
- Free trial
- 14 days
- Contract
- Term set in your order, renewing automatically
Worth checking: insurance tables cost extra below Ultimate.
Read the Act! reviewIts listed lines start with P&C and personal lines. Life insurance is also on the list. Pick this if you want to try it free for 30 days before you pay.
- Best for
- Larger brokerages with P&C or benefits teams and an admin or partner to configure Salesforce
- Starting price
- $500 per user per month, billed yearly (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Term set in your order form, renewing yearly
Keep in mind: dialer, telephony, automated follow-up sequences (cadences) and AMS360 Connect cost extra.
Read the Salesforce Financial Services Cloud reviewIts listed lines start with personal lines and commercial. Life insurance is also on the list. Pick this if a published start of $20 per user per month fits your budget.
- Best for
- Agencies that want marketing, sales and service in one configurable CRM, with policies kept in their AMS
- Starting price
- $20 per user per month, billed monthly (October 2026)
- Lines
- Life
- Contract
- Term set in your order, renewing for the same period or one year
Keep in mind: no standard AMS connector, so syncing your AMS is a custom project.
Read the HubSpot reviewIts listed lines start with P&C and health. Life insurance is also on the list. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Agents and small agencies that want ready-made insurance marketing campaigns, texting and calling in one CRM
- Starting price
- $97 per month, billed monthly (October 2026)
- Lines
- Life
- Free trial
- 14 days
- Contract
- Month to month, or 12 months prepaid
Keep in mind: iPhone app only.
Read the Agent CRM reviewIts listed lines start with P&C and personal lines. Life insurance is also on the list. Pick this if you want to buy month to month.
- Best for
- Independent P&C agencies, including ones that also write health and life, that want their AMS and CRM in one system
- Starting price
- $119 per month, billed monthly (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Month to month, 15 days' notice
Check first: API and Zapier need an API seat below Business.
Read the Momentum AMP reviewIts listed lines start with health and Medicare. Life insurance is also on the list. Pick this if your producers work from phones, since there is a mobile app.
- Best for
- Health, Medicare and benefits agencies that want leads, clients, policies and compliance forms in one system
- Lines
- Life
- Free trial
- Yes, on request
- Contract
- Term set in your order form, renewing for 12 months
Check first: built-in calling only on Elevate.
Read the AgencyBloc AMS+ reviewIts listed lines start with Medicare and health. Life insurance is also on the list. Pick this if a published start of $45 per month fits your budget.
- Best for
- Medicare agents and small agencies with downlines that want a CRM with quoting and enrollment links at published monthly prices
- Starting price
- $45 per month, billed monthly (October 2026)
- Lines
- Life
- Free trial
- 30 days
- Contract
- Month to month, cancel at least three days before the next billing date
Worth checking: automations are a paid add-on, quoted by MedicarePRO.
Read the MedicarePRO CRM review
Prices are each vendor's published starting price, dated as shown.
How we chose
We include a vendor when it has a product that lists life insurance among its insurance lines. That gave us 19 vendors, with prices dated October 2026.
Among the qualifying products, 11 offer a free trial, 14 have a mobile app and nine have a client portal.
Related guides: agency management systems and comparative raters.
Frequently asked questions
How did you choose software for life insurance?
Every vendor here has a product that lists life insurance among its insurance lines. Having one is the only requirement, so 19 made the list and none paid to be there.
What should I compare after making a shortlist?
Compare how the life insurance workflow handles quotes and renewals first, then carrier downloads and commissions where you need them. After that look at contract and export terms. Among these vendors, 10 track commissions.
Where can I compare prices?
The insurance CRM cost page has the dated prices for the whole category, plus a calculator for first-year cost. Starting prices per user per month run from $20 at Ricochet360 (on a yearly contract) to $500 at Salesforce Financial Services Cloud (billed yearly). Starting prices per account per month run from $25 at Insureio to $119.20 at AgencyZoom (billed yearly, paid upfront).
How we researched this. We based this page on each vendor's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.