Nextiva review for insurance agents: pricing, dialing and compliance
Nextiva sells office phones with texting and video, plus a contact center for queues and campaign dialing. Both run on one account.
Most agencies start on Engage, which adds call recording. Call teams that dial lists need Contact Center Professional.
- Best for
- Agencies moving office phones and texting to one system, with a contact center for call teams
- Type
- Business phone system with a separate contact center
- Price
- From $15 a user per month, billed yearly
- Dialing
- Progressive, predictive and approve-first Quarterback mode on Contact Center Professional and Premium
- Texting
- 100 texts a user on Core, 500 on Engage, unlimited on Scale
- Recording
- Add-on on Core, included on Engage and Scale. Kept 6 months, or up to 3 years with paid storage
- CRM connections
- Salesforce, HubSpot, Zoho CRM and Microsoft Dynamics. Applied Epic, HawkSoft and AgencyZoom through Zapier
- Free trial
- No. A demo, and the pricing page says you can cancel anytime
Our take
Nextiva's phone plans are low-cost, and its contact center keeps more consent detail than most dialers here. It stores consent per number, splits call and text opt-outs and shows federal and litigator scrub results.
The contact center is quote only above Essential, and dialing starts on Professional.
Watch the texting rules. Nextiva bars lead generation texts, and recordings top out at three years of paid storage.
Pros
- Consent stored per number with separate call and text opt-outs
- Scrub reports for federal, litigator and wireless lists
- Quarterback mode approves each number before dialing
- Low-cost phone plans with texts included
- Setup help on every plan
Cons
- Dialing plans are quote only
- CRM connectors cost extra on every phone plan
- Texting rules bar lead generation messages
- Recording storage tops out at three years
- No free trial on the phone plans
Plans and pricing
| Plan | Billed yearly | Billed monthly | What it adds |
|---|---|---|---|
| CoreSmall offices | $15 | $23 | Unlimited US and Canada calling, auto attendant and 100 texts a user |
| EngageAgencies that record callsWhere most agents start | $25 | $50 | Recording, advanced reports, 500 texts a user and up to 2,000 toll-free minutes |
| ScaleTeams with supervisors | $75 | $75 | Unlimited texts, supervisor monitoring and AI call summaries |
| Contact Center EssentialInbound queues | From $75 | Quote only | Queues and skill routing for up to 5 agents |
| Contact Center ProfessionalOutbound call teams | Quote only | Quote only | Progressive and predictive dialing, texting and scorecards |
| Contact Center PremiumLarger call centers | Quote only | Quote only | Unlimited skill routing, workforce management and screen recording |
Phone prices are per user each month, as of October 2026. Yearly prices need a 12-month term and are for new small business customers. Contact Center is priced per agent.
What it would cost you
Cost per month
First-year cost
Cost per live call
Covers phone plan seats only. Contact Center seats and minutes, extra texts, numbers, recording on Core, CRM connectors and taxes are extra.
Good to know before you buy
- No setup fee. Activation, porting and early-exit fees can still apply.
- CRM connectors are an add-on on every phone plan.
- Contact Center minutes and texts are billed from a rate card in 6-second steps.
- Carriers can fine bad texting, and Nextiva passes fines through at cost.
Usage charges
| Item | Price |
|---|---|
| Local number | $1 a month |
| Toll-free number | $3 a month |
| Text over the allowance | $0.013 a segment |
| Contact Center outbound minute | $0.018 |
| Contact Center text | $0.0075 a segment |
| Texting brand registration | $4 once |
| Texting campaign setup | $15 each |
| Texting campaign | $1.50 to $10 a month |
Which plan has it
| Feature | Core | Engage | Scale |
|---|---|---|---|
| Unlimited US and Canada calling | |||
| Texts a user each month | 100 | 500 | Unlimited |
| Toll-free minutes | 2,000 | 10,000 | |
| Call recording | Add-on | ||
| Advanced reporting | |||
| Supervisor monitoring | Add-on | ||
| AI transcripts and summaries | |||
| CRM connectors | Add-on | Add-on | Add-on |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Click-to-call | Dial from the app or Salesforce | 1 | Phone plans |
| Progressive | Dials the next number when an agent is free, with an optional timer | 1 | Contact Center Professional and Premium |
| Predictive | Dials ahead of agents up to a maximum ratio | Set by the admin | Contact Center Professional and Premium |
| Quarterback | A person or an app approves each number before it's dialed | 1 | Contact Center Professional and Premium |
- Dropped calls
- An abandon percentage and a maximum dial ratio. Reports show the abandon rate over 15 and 30 minutes
- Voicemail drop
- On Contact Center Professional and Premium, with machine detection
- Holiday blocks
- Restricted dates stop predictive and progressive calls in a region
Inbound calls and transfers
Phone plans route calls by menu, time and caller. The contact center adds queues and skill routing, and a toll-free number can tell agents which campaign the caller dialed.
- Routing
- Time of day, caller ID, menu choice, skill, area code or a list field
- Queues
- Contact Center. Skill routing covers 5 agents on Essential, 10 on Professional and no limit on Premium
- Phone menu
- Auto attendant on phone plans. A simple menu on Scale
- After hours
- Time-of-day routing
Phone numbers and spam labels
- Who supplies numbers
- Nextiva. The terms don't say you own them
- Porting in
- On every plan. Usually 5 to 10 business days after the signed form
- Taking numbers with you
- While the account is open and paid up
- Local presence
- A campaign can show a number from the lead's state, or pull numbers from your own system
- Spam label monitoring
- Yours. Register numbers free at Free Caller Registry, which goes to First Orion, Hiya and TNS
- Caller name
- Up to 15 characters, usually live within 15 days
Do Not Call, calling hours and consent
- National Do Not Call list
- Contact Center scrub reports flag federal, litigator, wireless and your own lists. You need your own federal subscription
- Your own do-not-call list
- Permanent or temporary blocks, by campaign or for all, added by call outcome
- Calling hours
- Outbound hours by region, area code and time zone
- Attempt limits
- Per address, per day and in total
- Consent records
- Stored per number with type, campaign and reason
- Opt-outs
- Separate opt-outs for calls, texts and email. STOP blocks texts
Check the use-case rules Nextiva's texting guide bars lead generation and referral messages. Agencies texting purchased leads should confirm their campaign fits before signing.
Texting and registration
- Plans with texting
- Every phone plan, and Contact Center from Professional
- Pictures
- Yes, at the per-segment rate
- Carrier registration
- You file the 10DLC registration (US carrier registration for business texting) with your legal name and tax ID
- Fees
- Added to the Nextiva bill. See usage charges above
- Toll-free texting
- Not on the phone plans
- Opt-out words
- STOP, START to resubscribe and HELP
Call recording and Medicare
- Recording
- Always, always with pause, on demand or never. Add-on on Core. Contact Center can record a share of calls
- Recording notice
- A start and stop announcement, a beep on pause and an optional repeating tone
- State settings
- Contact Center regions can be marked two-party to block automatic recording
- Pause
- Yes, with PCI pause and card-number redaction
- How long it's kept
- 6 months by default. Paid storage up to 3 years
- Export
- Download one or a batch, or set up SFTP
- After you cancel
- Access ends right away, and Nextiva needn't keep or send your data
CMS's rule for the 2027 plan year asks for six years of Medicare sales calls, recorded in full, so don't mark those regions two-party. Nextiva's longest storage is three years, so archive by SFTP to your own storage.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| Salesforce | CRM | Built in | Real-time contact and activity data on Contact Center. Call logs on phone plans |
| HubSpot | CRM | Add-on | Phone plan CRM connector |
| Zoho CRM | CRM | Add-on | Phone plan CRM connector |
| Microsoft Dynamics | CRM | Add-on | Phone plan CRM connector |
| Applied Epic | Agency system | Zapier | Call logs, contacts and follow-up tasks |
| HawkSoft | Agency system | Zapier | Call logs, contacts and follow-up tasks |
| AgencyZoom | Agency system | Zapier | Call logs, contacts and follow-up tasks |
Salesforce on Contact Center needs a Salesforce Enterprise license. Zapier is billed separately.
Reporting and coaching
Reports
- Dashboards on every plan, advanced on Engage and Scale
- Campaign dashboard with abandon rate
- Do Not Call scrub reports
- Campaign scorecards
Coaching
- Monitor, whisper and barge
- Scoring and quality surveys on Contact Center
Getting started
Book a demo
Nextiva's service delivery team helps with setup on every plan.
Port your numbers
Sign the transfer form. Nextiva files in 1 to 3 business days.
Register for texting
File your brand and campaign before texting from new or ported numbers.
Set calling hours and lists
Load regions, outbound hours and your do-not-call list.
Connect the CRM
Add the connector or set up Zapier for your agency system.
Support by phone, email and chat.
Contract and canceling
- Term
- Yearly prices need 12 months. Core and Engage also come month to month
- Renewal
- Automatic, for the same length
- Notice
- 30 days before the term ends
- Leaving early
- The rest of the term plus any disconnect fee
- Refunds
- The terms describe a 30-day money-back guarantee that Nextiva can withdraw without notice. Ask whether it applies to your plan before you sign
- Canceling
- By email or phone
- Your data
- Export while active. Access ends at termination
Terms as of October 2026, from Nextiva's master terms.
What users say
What reviewers say most often, as of October 2026.
What users like
- Customer support
- Ease of use
- Reliability
What users dislike
- Customer support
- Long wait times
- Call issues
- Difficult navigation
Nextiva alternatives
- RingCentralPer user, prices on its sitePredictive contact center sold on top of its phones
- DialpadFrom $15 a user per month, billed yearlyPhone system with a separate sales dialer
- Ooma OfficeFrom $19.95 a user per monthOffice phones with a one-line list dialer on Pro Plus
- Five9From $159 a seat per month for voice (Core), 50-seat minimumContact center for 50 seats or more
See every option in insurance dialers.
Frequently asked questions
How much does Nextiva cost?
Core is $15, Engage $25 and Scale $75 a user per month on a yearly term. Contact Center starts at $75 an agent, and dialing plans are quote only.
Does Nextiva have a predictive dialer?
Yes, on Contact Center Professional and Premium, along with progressive and Quarterback modes.
Does Nextiva scrub the Do Not Call list?
Contact Center reports flag federal Do Not Call and litigator numbers. You still need your own federal subscription.
Does Nextiva work with Applied Epic or HawkSoft?
Through Zapier, which logs calls and syncs contacts. Zapier is a separate bill.
Can Nextiva keep Medicare recordings for six years?
No. Paid storage goes to three years, so archive copies yourself.
Does Nextiva have a free trial?
Not for phone plans. It offers a demo, and its pricing page says you can cancel anytime.
How we researched this review. We based this review on the pricing, terms and product pages published by Nextiva, 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 Nextiva quit selling or a contract term that reads different now, let us know and send the link to the page where Nextiva has it. Somebody here pulls up that page and checks it before we change anything on ours.