JustCall review for insurance agents: pricing, dialing and compliance
JustCall is a cloud phone system with texting and a sales dialer that logs to your CRM. Pro adds a power dialer, and the quote-only SalesPro plan adds predictive dialing.
It fits agencies of two or more users that work from HubSpot, Salesforce, Pipedrive or Zoho. Most agencies that call leads start on Pro.
- Best for
- Agencies that work from HubSpot, Salesforce, Pipedrive or Zoho and want calls, texts and list dialing in one account
- Type
- Phone system and sales dialer
- Price
- From $29 a user per month, billed yearly, 2-user minimum
- Dialing
- Power dialer on Pro and up. Predictive up to 10 lines on SalesPro
- Texting
- Every plan, with 500 to 1,000 texts a user each month
- Recording
- On by default. You choose how long it's kept, up to forever
- CRM connections
- HubSpot, Salesforce, Pipedrive and Zoho CRM built in
- Free trial
- 14 days on SalesPro
Our take
JustCall puts calls, texts and list dialing in one account and logs them to a general CRM. Pro is the plan most agencies that call leads will want, since it adds the power dialer, state calling hours and CRM-owner routing.
Predictive dialing is only on SalesPro, which you have to quote. The unlimited-minutes promise also excludes scaled telemarketing, so a busy call team should get its usage terms in writing.
Watch the extras. Texts outside the bundle, picture texts and carrier registration all bill separately, and fees aren't refunded.
Pros
- Published prices for three plans, with monthly billing
- State calling windows that agents can't override
- Recording waits for consent on calls to all-party consent states
- No fee to port your numbers out
- Routes inbound callers to their CRM owner
- You choose how long recordings are kept
Cons
- Two-user minimum, and predictive dialing is quote only
- Many texts and picture texts bill outside the bundle
- A text STOP doesn't block calls on its own
- No Do Not Call list scrubbing
- No refunds, even for seat cuts
Plans and pricing
| Plan | Billed yearly | Billed monthly | What it adds |
|---|---|---|---|
| TeamSmall agencies replacing phones | $29 | $39 | Calls, phone menus, texting, team reports and the API |
| ProAgencies that call lead listsWhere most agents start | $49 | $69 | Power dialer, mass texting, queue callback, CRM-owner routing, Salesforce calling and live coaching |
| Pro PlusTeams that want AI coaching | $89 | $109 | AI call notes, scoring, script checks and live agent prompts |
| SalesProCall teams that need predictive | Quote only | Quote only | Predictive dialing up to 10 lines, spam label scores and voicemail automation |
| BusinessAgencies with 10 or more users | Quote only | Quote only | Single sign-on, uptime guarantee, onboarding and phone support |
Prices are per user each month, as of October 2026, from justcall.io/pricing. Team, Pro, Pro Plus and SalesPro need at least 2 users.
What it would cost you
Cost per month
First-year cost
Cost per live call
Uses the seat prices in the table. Texts beyond the bundle, picture texts, extra numbers and carrier registration are extra.
Good to know before you buy
- Two numbers are included per account, one for calls and texts and one for the Sales Dialer.
- Unlimited US and Canada minutes exclude scaled call center or telemarketing use. JustCall can cap it and charge credits.
- The text bundle covers one-to-one texts only. Mass, automated and dialer texts are billed per text.
- Unpaid bills over 30 days carry a 1.5% monthly late fee.
- Porting numbers in can carry a one-time fee shown when you ask.
Usage charges
| Item | Price |
|---|---|
| Texts outside the bundle | $0.025 each |
| Picture texts | $0.0284 each |
| Answering machine detection | $0.009 a connected call off SalesPro |
| Texting brand registration | $46 once, $4.50 if rejected |
| Texting campaign | $15 to submit, then $10 a month |
| AI Review Assist | $9 a user a month |
Which plan has it
| Feature | Team | Pro | Pro Plus | SalesPro |
|---|---|---|---|---|
| Calls, phone menus and queues | ||||
| One-to-one texts included a user | 500 | 1,000 | 1,000 | 1,000 |
| Call recording and transcripts | ||||
| Power dialer | ||||
| Predictive dialer | Up to 10 lines | |||
| Calling hours by state | ||||
| Mass texting | ||||
| Routing by CRM owner | ||||
| Salesforce calling | ||||
| Listen, whisper and barge | ||||
| AI call scoring and notes | ||||
| Spam label scores |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Click-to-call | Dial from the app or your CRM | 1 | All plans |
| Power Dialer | Calls a campaign list one contact at a time | 1 | Pro and up |
| Dynamic Dialer | A shared campaign list for a team, still one call at a time | 1 | SalesPro |
| Predictive Dialer | Dials several numbers per agent and connects answered calls | 1 to 10 | SalesPro |
- Abandoned calls
- You set the lines per agent, and JustCall sets no automatic abandon-rate cap. A recorded message can play when someone answers and no agent is free. Federal rules limit abandoned calls to 3% of answered calls per campaign over 30 days, so keep the ratio low
- Machine answers
- Predictive campaigns can send them to voicemail automation
- Voicemail drop
- Upload a message of up to 3 minutes and play it on voicemail. Every plan
- Sales Dialer numbers
- Kept apart from your everyday numbers. Moving a number into it stops normal calls and texts on that number
Inbound calls and transfers
JustCall handles inbound calls on every plan. Pro and up can send a caller straight to the person who owns the contact in your CRM.
- Routing
- By user, ring group, business hours or CRM owner
- Queues
- Position announcements, oldest call first, live monitoring and queue callback
- Phone menu
- Multi-level menus on every plan
- Forwarding
- To a cell or outside number, billed outside the minute bundle
Phone numbers and spam labels
- Who supplies numbers
- JustCall, running on Twilio. US numbers are local or toll-free only
- Porting in
- Needs proof of ownership and a letter of authorization. Not during the trial
- Taking numbers with you
- Yes, with no JustCall export fee. Stay on a paid plan until the port finishes, usually 3 to 5 business days
- Local presence
- Predictive campaigns can pick a local number. Local number bundles are an add-on on Pro and up
- Call signing (STIR/SHAKEN)
- Calls may get B until your business profile is approved. JustCall then registers your numbers in 3 to 4 days
- Spam label monitoring
- JustCall registers numbers with T-Mobile and AT&T. Verizon registration is your step. SalesPro adds Number Health scores
- Fixing spam labels
- JustCall can't force removal and points you to the carrier registries
- Branded caller ID
- US branded calling is in a slow beta through your account manager
Do Not Call, calling hours and consent
- National Do Not Call list
- Not included. You buy and scrub your own subscription
- Your own do-not-call list
- Separate blocks for calls, texts or both, set by hand or from a call outcome. Lists export
- Calling hours
- Pro and up. Admins set windows by state, and agents can't dial outside them
- Attempt limits
- Up to 3 retry rules by outcome and delay. No daily cap per contact
- Consent records
- Kept by you, with a timestamp
- Opt-outs
- STOP and similar replies block future texts. They don't block calls on their own
Opt-outs by text don't stop calls Someone who texts STOP can still land in a dial session. Have agents mark the contact do-not-call as well, so a person who opted out by text isn't called.
Texting and registration
- Plans with texting
- Every plan. 500 one-to-one texts a user each month on Team and 1,000 on higher plans, pooled across the account
- Outside the bundle
- Mass, automated, CRM and dialer texts are billed per text
- Pictures
- Yes, billed per message
- Carrier registration
- JustCall files the 10DLC registration (US carrier registration for business texting) with your agency's legal name as the brand
- Fees
- See usage charges above. A rejected brand still costs $4.50
- Time to approve
- Up to 3 weeks
- Toll-free texting
- Separate verification in the Compliance Center
Call recording and Medicare
- Recording
- On by default for each number. Admins can turn it off number by number
- Two-party states
- On outbound calls, recording waits for the agent to confirm consent when the called state requires it
- Recording notice
- No automatic notice or beep. Agents give it
- Pause
- Pro and up, and transcription pauses too
- How long it's kept
- You choose 15 to 365 days or never delete
- Export
- Play or download from call logs. Turn on the setting that requires a login for recording links
- After you cancel
- Access lasts through the paid cycle. Download recordings first
For Medicare sales calls, set deletion to never to keep the six years that CMS's rule for the 2027 plan year requires. Pause and the state consent setting can leave parts of a call unrecorded, so decide how agents should use them.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| HubSpot | CRM | Built in | Calls, texts, notes, outcomes and recording links. Routes callers to the HubSpot owner on Pro |
| Salesforce | CRM | Built in, Pro and up | Calls from inside Salesforce and logs them back |
| Pipedrive | CRM | Built in | Call activity, with owner routing on Pro |
| Zoho CRM | CRM | Built in | Call activity, with owner routing on Pro |
| API and webhooks | Automation | API | Recording, outcome, notes, transcript and AI summary after each call |
| Zapier | Automation | Zapier | Links JustCall to other apps |
Zapier is billed separately. JustCall has no published connection to an insurance agency management system.
Reporting and coaching
Reports
- Call and text dashboards
- Campaign results with connect rate, outcomes and abandoned calls
- Advanced and scheduled reports on Pro and up
Coaching
- Listen, whisper and barge on Pro and up, one monitor per call
- Manual scorecards
- AI scoring, topics and sentiment on Pro Plus
Getting started
Start the trial
Fourteen days on SalesPro. Calls are capped at 7 minutes and you can't add contacts or port numbers.
Submit your business profile
It unlocks call signing and is the base for texting registration.
Register for texting
Enter your legal name, tax ID, sample messages and consent proof. Allow up to 3 weeks.
Connect your CRM
Turn on logging and owner routing.
Set calling hours
Add state windows before the first campaign.
Usage over $2 can be charged during the trial. Support by chat and email, with phone support on Business.
Contract and canceling
- Term
- The plan length you pick, or the order form
- Renewal
- Renews for the same length. Give notice 30 days before the end, or 45 on an order form
- Refunds
- None, including partial months, downgrades and seat cuts
- Canceling
- Only the owner can cancel. Access runs to the end of the paid cycle
- Cheaper ways to pause
- Eligible US accounts can drop to a limited Starter plan or hibernate to keep numbers
- Your numbers
- Port them out while on a paid plan
- Your data
- Export call logs, texts, voicemails and recordings before you close
Terms as of October 2026, from JustCall's terms of service.
What users say
What reviewers say most often, as of October 2026.
What users like
- Setup and daily use
- HubSpot and Salesforce logging
- Calling and texting in one place
- Recording and transcription
What users dislike
- Dropped calls and audio lag
- Usage charges beyond the seat price
- Higher-tier feature gates
- Support handoffs
JustCall alternatives
- AircallFrom $30 a user per month, billed yearly, 3-user minimumPhone system with power dialing and no port-out fee
- CloudTalkFrom $25 a user per month on Starter, billed yearlyPower and parallel dialing with published monthly prices
- KixieQuote onlyUp to four-line dialing and account-wide opt-outs
- DialpadFrom $15 a user per month, billed yearlyPhone system with a separate contact center
- ReadyModeFrom $199 a license per monthPredictive dialer with published license prices
See every option in insurance dialers.
Frequently asked questions
How much does JustCall cost?
Team is $29, Pro $49 and Pro Plus $89 a user per month billed yearly, with a 2-user minimum. Monthly billing costs more.
Does JustCall have a predictive dialer?
Yes, on the SalesPro plan, at up to 10 lines per agent. Pro has a one-line power dialer.
Does JustCall work with HubSpot and Salesforce?
Yes. Both log calls, and Salesforce calling from inside Salesforce needs Pro or higher.
Who registers my texting with JustCall?
JustCall files the registration in your agency's legal name, and you pay the carrier fees. Approval can take up to 3 weeks.
Can JustCall keep recordings for Medicare?
Yes, if you set automatic deletion to never. Recordings then stay as long as the account is open.
Does JustCall have a free trial?
Yes, 14 days on SalesPro, with calls capped at 7 minutes.
How we researched this review. We based this review on the pricing, terms and product pages published by JustCall, 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 JustCall quit selling or a contract term that reads different now, let us know and send the link to the page where JustCall has it. Somebody here pulls up that page and checks it before we change anything on ours.