Newton by Agency Systems review: pricing, downloads and accounting
Newton is a Windows agency management system from Agency Systems for independent P&C agencies. It holds clients and policies, takes carrier downloads, fills ACORD forms and certificates, and keeps a full general ledger with trust accounting.
It fits agencies from one user to several offices that want their books inside the AMS. Agency Systems sells it as a subscription with monthly support, quoted after a demo, on your server or its AWS cloud desktops.
- Best for
- Independent P&C agencies and general agencies that want their books inside the AMS
- Lines
- Personal and commercial P&C, including surety bonds
- Price
- Quote only. A software subscription plus monthly support fees
- How it runs
- Windows program on your own server, or an AWS cloud desktop run by Agency Systems
- Carrier downloads
- IVANS and TEAM-UP, with a public list of certified companies
- Accounting
- General ledger and trust accounting built in
- Contract
- No term or notice period published
- Demo or trial
- Free demo. No free trial
Our take
Newton suits an independent P&C agency that wants downloads, certificates and real agency accounting in one system. The general ledger and trust accounting are built in, so you don't need QuickBooks.
It is a Windows program. Plan on your own server, which you back up, or Agency Systems' AWS cloud desktops at extra cost. Email filing needs desktop Outlook.
Pros
- General ledger and trust accounting built in
- Public list of certified download companies
- Practice conversion on your own data before go-live
- Client portal and app with self-serve certificates
- Download alerts for cancellations and premium jumps
- Same owners since 1985
Cons
- No published prices
- Windows only, with no Mac support
- Commission downloads cost extra
- Email filing needs desktop Outlook
- Accounting history doesn't convert
Plans and pricing
- How it's priced
- A software subscription plus monthly support fees, quoted after a demo
- Hosting
- AWS Cloud Workspaces, the cloud desktops Agency Systems manages, are priced on their own
- Commission downloads
- Direct bill commission downloads are an add-on
- Setup and conversion
- Training and support during the move come at no extra fee
- Billing
- Support invoices can draft from your bank on the 15th of each month
From Agency Systems' site and help wiki, checked October 2026. Agency Systems publishes no amounts.
Clients and policies
A client record holds contacts, policies, quotes, submissions, forms, attachments, emails and diary notes. Each policy keeps its full history as a series of transactions, from new business through endorsements, renewals, cancellations and audits.
- Related clients
- Group a business with the owner's personal account
- Commercial accounts
- Schedules of drivers, vehicles, properties, equipment and workers
- Custom fields
- User-defined contact fields that merge into letters
- Several offices
- Separate agency codes for offices or entities, with search across them and combined financials
Carrier downloads
- Download routes
- IVANS, the network most carriers use to send downloads, and TEAM-UP. Progressive and Mercury use their own download tools
- Policy downloads
- Personal and commercial, as AL3 files, the carrier download format. Staff import them as a daily task
- Commission downloads
- An add-on. Each statement line becomes an invoice with producer commission and the PDF attached
- eDocs and claims
- ACORD XML eDocs and messages, plus claims downloads that create the claim on the client
- Real-time with carriers
- IVANS Real-Time, also used for appraisal district and DMV lookups
- Unmatched downloads
- Matched files can process with no clicks. The rest wait on a Pending tab for staff to assign
- Download alerts
- Rules alert the producer or CSR to cancellations, big premium changes or schedule changes
- Carrier list
- A dated list of certified download companies on the Agency Systems help wiki
The list has over 2,000 rows as of October 2026, many of them MGAs or other names for the same carrier.
Certificates, ACORD forms and claims
- ACORD forms
- A library of ACORD forms, the industry's standard insurance forms, plus New York State forms. Forms prefill from client data and downloads
- Certificates
- Master certificates with every holder. Print or email in a batch, and renewals copy holders forward
- Policy changes
- Endorsements, renewals, rewrites, reinstatements, cancellations and audits
- Renewals
- Dashboards at 30, 60, 90 and 120 days, and a renewal can go out for remarketing without retyping
- Claims
- Claims on the policy with payments and reports. ACORD loss notices come from the policy
Rating and quoting
- Raters that connect
- ACS2000, Evolution, IBQ, PL Rating, Applied Rater, AccuAuto, WinRater and TurboRater
- How quotes come in
- Through download files. Five raters work both ways, and AccuAuto, WinRater and TurboRater only send quotes in
- Built-in quoting
- None. Quotes turn into policies inside Newton
Accounting and commissions
Agency bill and direct bill
- One agency bill invoice posts receivable, payable, income and producer pay
- Installments, premium finance, fees and taxes
- Direct bill statements by download or Commission Builder
- Reconciliation for bank, carrier, client and producer balances
General ledger
Built in, with checks, vendor bills, 1099s, financial statements and month-end close. No QuickBooks needed.
- Producer commissions
- Paid on earned commission, one producer or all at once, with emailed statements
- Payments
- Cash, check or card at the office. Online card or bank payments through ePayPolicy on your own plan
- Trust accounts
- Trust accounting built into the ledger, and producers can be paid only on what the client has paid
Documents, email and e-signature
- Storage
- On your server or cloud desktop, so space depends on that server
- Needs classic desktop Outlook. Drag emails onto a client or policy, and sent mail is saved and searchable
- E-signature
- Sent through the Access My Insurance portal
- Mass email or letters
- Drip emails for welcome, birthdays, expirations and lost clients, plus blasts to all clients
Tasks, texting and phones
- Tasks and renewals
- Dashboards list follow-ups, expirations and download alerts for each user and manager
- Sales pipeline
- Quotes not converted and sales analysis reports
- Texting
- Two-way texts with photos and documents saved on the client, and scheduled reminders
- Reports
- A client query tool with CSV export, plus DataView for retention and new business
Mobile and client portal
Staff on the go
The Access My Insurance app for iOS and Android, plus a web Producers Portal where producers see their clients, follow-ups, policies and claims.
Clients
Access My Insurance gives clients policies, documents, auto ID cards, certificates, secure messages, e-signature and online payment.
Integrations and API
| Connects to | Type | Direction | What it does |
|---|---|---|---|
| IVANS | Carrier downloads | Into Newton | Policy, commission, eDocs and claims downloads plus real-time |
| TEAM-UP | Carrier downloads | Into Newton | Policy downloads |
| Progressive, Mercury | Carrier downloads | Into Newton | Through each carrier's download tool |
| ACS2000, Evolution, IBQ, PL Rating, Applied Rater | Rater | Both ways | Policies out, rated quotes back |
| AccuAuto, WinRater, TurboRater | Rater | Into Newton | Quotes in |
| Microsoft Outlook | Both ways | Email and calendar filed to the client | |
| Access My Insurance | Client portal | Both ways | Portal and app from Agency Systems |
| ePayPolicy | Payments | Into Newton | Online payments logged on the client |
| DataView | Reports | Out of Newton | Retention and staff performance reports |
Hosting and product status
- How it runs
- Windows program with a MariaDB database on your server, a third-party host or an AWS cloud desktop
- Computers
- Windows 11 workstations. Six or more users need a dedicated server, ideally Windows Server 2022 or later. No Mac
- Product status
- Current. Access My Insurance, from a 2019 merger, works beside it
Getting started
Book a free demo
Agency Systems shows Newton and quotes after the demo.
Install
A technician installs it in about an hour on the server and 15 minutes a workstation.
Training conversion
Staff practice on a copy of their own data and approve it.
Final conversion
Usually pulled on a Friday evening for a Monday start.
Go live
About an hour of download training follows. Enter ledger starting balances from your old system's last month-end.
Conversions come from EZLynx, HawkSoft, AMS360, Applied TAM, QQCatalyst, Agency Matrix and others. Accounting history does not convert.
Support and training
- Channels
- Phone, email, remote sessions and a help wiki
- Hours
- Weekdays 8 a.m. to 5 p.m. Central
- Training
- A personal trainer runs webinars and agency reviews, with unlimited training during the move
Security
How client data is protected
- View, entry, edit and global rights for each function
- Limits by producer
- Cloud desktops in a private, encrypted AWS network
- Cloud server backups daily, kept seven days
- On your own server, backups are your job
Contract and your data
- Term
- A software subscription from Agency Systems, whose legal name is Matrix Software, Inc.
- Renewal
- Each term needs a new subscription code. Newton asks for it ten days before the old code runs out, and support issues it within a business day. Ask whether the subscription renews on its own
- Billing
- Recurring support invoices, with optional bank draft
- Your data when you leave
- The database sits on your server or your cloud desktop, and Agency Systems says you can move it whenever you want
Agency Systems publishes no full contract. From its site and help wiki, checked October 2026.
Newton by Agency Systems alternatives
- HawkSoft$99 a seat a monthPublished price and month-to-month terms
- AgencyProQuote onlyWindows AMS with a general ledger in every license
- EclipseQuote onlyNo long-term contract, per the vendor, and several agencies in one database
- AMS360Quote onlyVertafore AMS for larger and multi-office agencies
- XanatekQuote onlyBilled monthly by user count, with its own rater
See every option in insurance agency management systems.
Frequently asked questions
How much does Newton cost?
Agency Systems quotes after a demo. You pay a software subscription plus monthly support, and AWS cloud desktops are priced separately.
Is Newton cloud based?
Newton is a Windows program. You can run it on your own server or in AWS cloud desktops that Agency Systems manages.
Does Newton replace QuickBooks?
Yes. Its general ledger handles checks, vendor bills, 1099s and financial statements.
Can Newton convert my data from another system?
Yes, from EZLynx, HawkSoft, AMS360, Applied TAM, QQCatalyst and others. Client and policy data moves, but accounting history does not.
Which carriers download into Newton?
Agency Systems posts a dated list of certified download companies on its help wiki. Downloads come through IVANS and TEAM-UP.
How we researched this review. We based this review on the terms and product pages published by Newton by Agency Systems, 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 Newton by Agency Systems quit selling or a contract term that reads different now, let us know and send the link to the page where Newton by Agency Systems has it. Somebody here pulls up that page and checks it before we change anything on ours.