RingCentral review for insurance agents: pricing, dialing and compliance
RingCentral sells RingEX, a business phone system, and RingCX, a contact center that adds outbound campaigns. An agency can run desk phones, texting and queues on RingEX and add RingCX seats for the people who dial lists.
Most agencies start on RingEX Advanced for the CRM links and automatic recording.
- Best for
- Agencies replacing their phone system, and call teams that need predictive outbound campaigns
- Type
- Business phone system (RingEX) with a contact center add-on (RingCX)
- Price
- Per user, prices on its site
- Dialing
- Preview, progressive, power and predictive on RingCX
- Texting
- 25 to 200 texts a user a month on RingEX, then paid per text
- Recording
- On-demand on Core. Automatic on Advanced, Ultra and RingCX
- CRM connections
- Salesforce, HubSpot, Microsoft Dynamics 365 and Zoho CRM, plus AMS360 through a partner
- Free trial
- 14 days of RingEX
Our take
RingCentral covers the whole range, from a five-person office to a call floor. RingEX handles the phones. RingCX adds predictive dialing, abandon-rate pacing and Do Not Call scrubbing through your own subscription.
Both are billed per user, so a dialing seat costs a RingEX seat plus a RingCX seat.
The main catch is recording. RingEX keeps recordings for up to 90 days, so a Medicare agency needs an archive in place from day one.
Pros
- Predictive dialing with abandon-rate controls
- Runs the Do Not Call scrub with your own subscription
- AMS360 connection through a partner
- Bring your own carrier on RingEX
- RingCX has no seat minimum
Cons
- Dialing seats need both RingEX and RingCX
- RingEX recordings last 90 days
- Core includes only 25 texts a user
- A cost recovery fee is added to the bill
- Texting campaigns carry a three-month minimum
Plans and pricing
| Plan | What it adds |
|---|---|
| RingEX CoreOffice phones for a small agency | Unlimited US and Canada calling, 25 texts a user and on-demand recording |
| RingEX AdvancedAgencies that need CRM links | Automatic recording, CRM connections and 100 texts a user |
| RingEX UltraLarger offices | More analytics and 200 texts a user |
| RingCX StandardOutbound and inbound call teams | Predictive dialing, queues, surveys and screen recording |
| RingCX ProfessionalTeams that score calls | AI quality scoring and agent assist |
| RingCX EliteContact centers | Interaction analytics, supervisor assist and workforce management |
Seat prices are per user each month on RingEX and RingCX. See ringcentral.com for current rates. RingCX is sold on top of a RingEX account.
Good to know before you buy
- A separate cost recovery fee for regulatory and network costs is added to the bill.
- Toll-free minutes are pooled. Core includes 100, Advanced 1,000 and Ultra 10,000.
- Each text sent or received counts against the allowance.
- Setup help and implementation are quote only.
Usage and add-ons
| Item | Price |
|---|---|
| Extra local or toll-free number | $4.99 a month |
| Toll-free minutes over the pool | $0.039 a minute |
| Registered text over the allowance | $0.0119 each |
| Picture text (MMS) | $0.0182 each |
| Texting brand registration | $19 once |
| Texting campaign vetting | $15 once |
| Texting campaign | $1.50 or $10 a month |
| Business SMS Booster | from $25 a month |
| Call Queues Booster | $35 a month |
| Conversational Intelligence | From $60 a month |
Which plan has it
| Feature | Core | Advanced | Ultra | RingCX |
|---|---|---|---|---|
| Unlimited US and Canada calling | Inbound and manual dialing | |||
| Texts a user each month | 25 | 100 | 200 | |
| On-demand recording | ||||
| Automatic recording | ||||
| Salesforce and Dynamics 365 | Own connector | |||
| Custom roles | ||||
| Toll-free minutes pooled | 100 | 1,000 | 10,000 | |
| Predictive and power dialing | ||||
| Queues with callback | Add-on | Add-on | Add-on |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Click-to-call | Dial from the app or a connected CRM | 1 | RingEX |
| Preview | Shows the lead before the agent dials | 1 | RingCX |
| Progressive and power | Dials the next lead as soon as an agent is free | 1 | RingCX |
| Predictive | Dials ahead of free agents at a ratio the admin sets | Several | RingCX |
| Voice Broadcast | Plays a recorded message with no agent. Marketing calls like this need prior written consent | No agent | RingCX |
| ManualDial (safe mode) | Every call starts with a person clicking | 1 | ManualDial account |
- Dropped calls
- A target abandon rate slows pacing. RingCentral suggests 3% or lower
- Abandon message
- Plays a recorded message within two seconds, sends the caller to a queue or adds the lead to your do-not-call list
- Team size
- Predictive dialing works best with about 14 or more agents
- Voicemail drop
- An agent drops a recorded message on a live outbound call through App Connect
Inbound calls and transfers
RingEX gives every agency menus and call queues. RingCX adds contact center routing and can carry the lead source, campaign and custom fields from a lead vendor's transfer.
- Routing
- Skill, language, rank, availability, schedule, time zone, caller number or dialed number
- Queues
- Callback, wrap-up and service-level settings on RingCX
- Phone menu
- RingEX and RingCX, with a visual designer on RingCX
- Live transfers
- Lead data passed through an integration stays with the call
- License routing
- No built-in routing by state or producer license
Phone numbers and spam labels
- Who supplies numbers
- RingCentral, in over 200 area codes
- Bring your own carrier
- RingEX supports it, with technical setup
- Porting in
- Local, mobile and toll-free. RingCentral covers the transfer cost
- Taking numbers with you
- Yes. Port before you cancel, or the number can be released
- Local presence
- Set caller ID by account, campaign or list
- Number rotation
- Through a third-party add-on
- Call signing (STIR/SHAKEN)
- Signs calls that start on its network
- Spam label monitoring
- Yours, with Free Caller Registry and Numeracle as the named options
- Branded caller ID
- Through TNS, arranged by the account team
Do Not Call, calling hours and consent
- National Do Not Call list
- Scrubbed on RingCX with your own DNC.com subscription. Wireless numbers are scrubbed for you
- State lists
- Also through your own DNC.com subscription
- Your own do-not-call list
- Upload, search and tag on RingCX. A call outcome can suppress the lead
- Calling hours
- Campaign schedules by account or campaign time zone
- Attempt limits
- Retry limits per campaign
- Consent records
- A consent ID or URL can sit in a custom lead field
- Opt-outs
- STOP blocks texts between that number pair. An API setting can block the whole account
Your subscription, your liability RingCX runs the scrub, but the Do Not Call subscription and fees are yours. RingCentral's terms make the agency responsible for lawful calling.
Texting and registration
- Plans with texting
- RingEX. Core includes 25 texts a user a month, Advanced 100 and Ultra 200
- Pictures
- Yes on local numbers. Toll-free numbers can't send pictures
- Carrier registration
- Your admin files the 10DLC registration (US carrier registration for business texting) through RingCentral with your legal name and tax ID
- Approval time
- Up to four weeks, with up to 49 numbers per request
- Fees
- Passed through with no markup, with a three-month campaign minimum
- Opt-out words
- STOP, END, QUIT, CANCEL, UNSUBSCRIBE, REVOKE and OPT OUT
Call recording and Medicare
- Recording
- On-demand on every RingEX plan. Automatic on Advanced, Ultra and RingCX
- Recording notice
- Announcements at start or stop and a repeating tone
- Pause
- Yes
- How long it's kept
- RingEX call logs hold recordings up to 90 days, with 100,000 per account
- Export
- API and archive to SFTP or cloud storage. RingCX recordings download as WAV files
- After you cancel
- The account closes on the last billing day and is deleted within 30 days
From the 2027 plan year, CMS wants six years of Medicare sales calls. The 90-day log won't cover that, so set up an archive from the start.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| Salesforce | CRM | Built in | Click-to-call, call logs, screen pops and voicemail |
| HubSpot | CRM | Built in | Calls, texts, notes, outcomes, recordings and AI summaries |
| Microsoft Dynamics 365 | CRM | Built in | Call and text logs, voicemail and click-to-call |
| Zoho CRM | CRM | Built in | Calls and activity |
| AMS360 | Agency system | Partner | Calls through EcoLink by Inteveo, which installs and trains |
| ServiceNow | Help desk | Built in | Tickets from calls and chats |
Most CRM links need RingEX Advanced or Ultra. AMS360 also needs its Web Service API.
Reporting and coaching
Reports
- 250-plus ready reports with 350-plus metrics
- Live agent and queue views
- Campaign results and abandon rate
- Scheduled reports
Coaching
- Monitor, whisper and barge
- Quality scoring on RingCX
- AI scoring and agent assist on Professional and Elite
Getting started
Start the trial or book a demo
RingEX has a 14-day trial for up to 20 lines, without texting. RingCX starts with a demo.
Port your numbers
Keep the old carrier until the port finishes. Over 100 numbers get a project manager.
Register for texting
Send your legal name, tax ID, sample messages and opt-in steps.
Add your Do Not Call subscription
Load your DNC.com account into RingCX before the first campaign.
Connect the CRM
Install the CRM app on Advanced or Ultra.
Support by phone, a help center and a user community.
Contract and canceling
- Term
- Set in the order form, with a committed seat count
- Renewal
- Automatic, for the same length
- Notice
- 30 days before the term ends
- Leaving early
- The rest of the term's charges come due within 30 days
- Refunds
- Only when RingCentral is in material breach
- Your numbers
- Released if not ported before the end
- Your data
- Export recordings, logs, do-not-call lists and consent fields first
Terms as of October 2026, from RingCentral's online terms.
What users say
What reviewers say most often, as of October 2026.
What users like
- Usability
- Feature breadth
- Omnichannel workflow
- Remote operations
- Analytics
What users dislike
- Support response
- Reporting and customization depth
- Learning curve
- Call issues
- Transfer caller-ID behavior
- SMS reliability
RingCentral alternatives
- DialpadFrom $15 a user per month, billed yearlySeparate sales product with a power dialer
- Five9From $159 a seat per month for voice (Core), 50-seat minimumContact center built around outbound dialing
- NextivaFrom $15 a user per month, billed yearlyPhone system with a contact center option
- AircallFrom $30 a user per month, billed yearly, 3-user minimumSimpler phone system with a power dialer
- ReadyModeFrom $199 a license per monthPredictive dialer with published license prices
See every option in insurance dialers.
Frequently asked questions
How much does RingCentral cost?
RingEX and RingCX are billed per user each month, and a dialing seat needs both. Add-ons start at $25 a month for Business SMS Booster.
Does RingCentral have a predictive dialer?
Yes, in RingCX. The admin sets calls per free agent, and a target abandon rate slows dialing.
Does RingCentral scrub the Do Not Call list?
RingCX scrubs national and state lists once you load your own DNC.com subscription. It also scrubs wireless numbers.
Can RingCentral keep Medicare call recordings long enough?
Not on its own. RingEX logs keep recordings 90 days, so archive them to cloud storage or SFTP.
Does RingCentral connect to AMS360?
Yes, through EcoLink by Inteveo on RingEX Advanced or Ultra.
How long does RingCentral texting registration take?
Up to four weeks. Fees pass through at cost.
How we researched this review. We based this review on the pricing, terms and product pages published by RingCentral, 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 RingCentral quit selling or a contract term that reads different now, let us know and send the link to the page where RingCentral has it. Somebody here pulls up that page and checks it before we change anything on ours.