Insurance Toolkits review for insurance agents: pricing, carriers and features
Insurance Toolkits screens health conditions and drugs, then quotes final expense, term, Medigap and ancillary plans the client likely qualifies for. It includes a CRM and a quote link you can share.
The Agent plan costs $39.99 a month, and the Agency plan covers five agents for $119.99.
- Best for
- Final expense and Medigap agents who want health and drug screening with a built-in CRM
- Lines
- Final expense, term life, Medicare Supplement, dental, vision, hearing and hospital indemnity
- Price
- $39.99 a month for one agent
- How you get it
- Subscribe online. No upline needed
- Applications
- No e-application. You finish on the carrier's app
- Website quoter
- Yes, a personal quote link and website quoting
- Free trial
- 14 days, card required
Our take
Insurance Toolkits suits a final expense or Medigap agent who wants health screening and quoting without an upline attached. The drug lookup and suggested carriers save calls to underwriting.
It stops at the quote. You finish the application on the carrier's own system.
Agencies of four or more save on the Agency plan.
Pros
- Drug lookup and health screening built into the quote
- A CRM included at no extra cost
- No upline, appointments or production minimum
- A shareable quote link with every plan
- Agencies control which carriers agents see
Cons
- No e-application or enrollment
- Medigap only, with no Medicare Advantage or Part D
- No mobile app
- No refunds and no promised data export
- A card is needed to start the trial
Plans and pricing
| Plan | Price a month | Agents | What it adds |
|---|---|---|---|
| AgentOne agentFor a solo agent | $39.99 | 1 | Every toolkit, the quoter and underwriter, the CRM, lead marketplace access and an unlimited quote link |
| AgencyTeams | $119.99 | 5 included | Everything in Agent for each agent, plus adding agents and choosing which carriers they see |
As of October 2026, from insurancetoolkits.com. Each agent past five on the Agency plan costs $29.99 a month. Leads you buy are billed separately and can't be refunded.
| Agents | Cheapest plan | Monthly cost |
|---|---|---|
| 1 | Agent | $39.99 |
| 3 | Three Agent plans | $119.97 |
| 4 | Agency | $119.99 |
| 5 | Agency | $119.99 |
| 10 | Agency plus five extra agents | $269.94 |
From four agents up, the Agency plan costs less than separate Agent plans.
Access and contracting
- How you get it
- Sign up and pay on the website
- Who pays
- You, or your agency if it bills you
- What you need first
- A card for the trial. No upline, appointments or production minimum
- If you leave your upline
- Insurance Toolkits doesn't promise you keep the account or its records
Joining with an agency's promo code puts you under that agency, and it can limit the carriers you see.
Carriers, products and states
- Carrier list
- Final expense carriers
- States
- Products and rates vary by state
The site lists carrier products for each line, with no total, as of October 2026. You can hide carriers you aren't appointed with.
Rates and underwriting
- Where rates come from
- Carrier data kept up by Insurance Toolkits
- Fixing a wrong rate
- Live chat or email
Underwriting tools
- Drug lookup
- Health condition questions
- A health cheat sheet
- Suggested carriers and products
- Alerts when a term case needs a referral
A suggested result is a guide. The carrier still makes the underwriting call.
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | Premiums from carriers the client likely qualifies for |
| Rate comparison | Three quotes side by side |
- What you can send the client
- A PDF or a link
A quote isn't a carrier offer or a check of your appointment.
Medicare tools
- Medicare lines
- Medicare Supplement quotes
- Enrollment
- Not in Insurance Toolkits
There's no Medicare Advantage or Part D quoting, so it doesn't replace a Medicare plan comparison tool.
Website quoting and consent
Every paid account gets a public quote link you can share or bookmark. Clients enter quote details and contact information and agree to calls and texts.
- Ways to add it
- Your personal link, or website quoting
- Your branding
- Branded quoting for agencies, through the API
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| Built-in CRM | CRM | Built in | In | Saves quotes, clients, notes and sales numbers |
| Other toolkits | Quote files | Save and load | Out | Moves a saved quote into another toolkit |
| GoHighLevel | CRM | Lead delivery | Out | Sends purchased leads |
| Your own software | API | REST API | Out | Rates, carriers and underwriting rules. Priced separately |
Getting started
Start the trial
Sign up with a card. Billing starts when the trial ends.
Pick your carriers
Turn off carriers you aren't appointed with.
Run a screen
Enter health and drugs, then compare three quotes.
Share your link
Send clients your quote link or add it to your site.
Support is live chat and email at support@insurancetoolkits.com, with how-to videos. Agencies can get setup help the same day.
Mobile, users and security
Mobile
There's no app. You can bookmark your quote link on your phone.
Users and security
- Agency owners add and remove agents
- Agencies choose the carriers agents see
- HIPAA safeguards and encryption described in the terms
Contract and your data
- Term
- Monthly
- Renewal
- Renews each month until you cancel
- Canceling
- From your dashboard, or your agency's portal if it bills you
- Refunds
- None once paid service starts
- Your data when you leave
- No export promised, and access can end right away
- Terms
- Insurance Toolkits terms
Terms read in October 2026. Save quotes and client details you need before you cancel.
Insurance Toolkits alternatives
- Quoteplicity$59/moFinal expense quoting with health screening and an eApp path
- LifeBrain$7/user/moBudget-based term, final expense and GUL quotes, monthly
- Ninja Quoter$19/moFinal expense and term quoting with a consumer quoter
- CSG MarketAdvisorFrom $20/moMedigap, final expense and ancillary quotes priced by state
- Free FEX QuoterFreeQuick final expense price check with no health screening
See every option in insurance quoting software.
Frequently asked questions
How much does Insurance Toolkits cost?
$39.99 a month for one agent. The Agency plan is $119.99 for five agents.
Does Insurance Toolkits have a free trial?
Yes, for 14 days. You need a card, and the paid plan starts when the trial ends.
Do I need an upline to use Insurance Toolkits?
No. You subscribe yourself with no contracting or production rules.
Can I submit applications from Insurance Toolkits?
No. It quotes and screens, then you apply with the carrier.
How we researched this review. We based this review on the pricing, terms and product pages published by Insurance Toolkits, 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 Insurance Toolkits quit selling or a contract term that reads different now, let us know and send the link to the page where Insurance Toolkits has it. Somebody here pulls up that page and checks it before we change anything on ours.