VanceTel review for insurance agents: pricing, dialing and compliance
VanceTel replaces office desk phones with a cloud system that rings desk, mobile and desktop apps together. Taxes and fees are in the price.
It fits small agencies that mostly take calls. Voice + Text adds texting from the office number.
- Best for
- Small agencies replacing desk phones with a cloud system that also texts
- Type
- Cloud phone system for small offices
- Price
- From $24 an extension per month, 3-year term, 3-extension minimum
- Dialing
- Click-to-call only. No power or predictive dialer
- Texting
- On Voice + Text, 250 texts an extension pooled
- Recording
- Add-on. Kept 30 days
- CRM connections
- API and webhooks. No ready-made CRM links
- Free trial
- No. 30-day money-back guarantee
Our take
VanceTel is a straightforward office phone system with all-in pricing. Routing by line of business or ZIP code suits agencies that take inbound calls.
It is not a dialer. Recordings last only 30 days, which falls far short of the Medicare rule.
The lowest price needs a 3-year term.
Pros
- Taxes and surcharges included
- Routing by line of business or ZIP code
- VanceTel files the texting registration
- Free number port-in
- On-site setup in Southern California
Cons
- No power or predictive dialer
- Recordings kept only 30 days
- Best price needs a 3-year term
- No ready-made CRM links
Plans and pricing
| Plan | 3-year term, billed monthly | Month to month | What it adds |
|---|---|---|---|
| VoiceCalls only | $24 | $32 | Unlimited US and Canada calls, phone menu, queues and voicemail transcripts |
| Voice + TextCalls and textsWhere most agents start | $34 | $45 | Texts and pictures from the office number with a shared inbox |
Prices are per extension each month, with a 3-extension minimum, as of October 2026, from VanceTel's pricing page. Taxes, 911 and surcharges are included. Paying 12 months up front takes 10% off month-to-month rates.
What it would cost you
Cost per month
First-year cost
Cost per live call
Uses 3-year term prices. Recording, AI transcripts, extra numbers, texting registration and texts over the pool are extra.
Usage and add-ons
| Item | Price |
|---|---|
| Call recording | $5 an extension a month |
| AI transcripts and summaries | $15 an extension a month |
| Extra phone number | $5 a month |
| Toll-free number | $15 a month with 500 minutes |
| Texts over the pool | $0.02 a segment |
| E-fax line | $10 a month with 500 pages |
Good to know before you buy
- No setup fee.
- Leaving a 3-year term early makes the rest of the term due.
- Month-to-month rates are locked for 12 months.
- Desk phones can be bought or rented.
Which plan has it
| Feature | Voice | Voice + Text |
|---|---|---|
| Unlimited US and Canada calling | ||
| Phone menu and auto-attendant | ||
| Ring groups and call queues | ||
| Business-hours and holiday routing | ||
| Voicemail to email with transcripts | ||
| Click-to-call | ||
| Texts and pictures | ||
| Shared text inbox | ||
| Call recording | Add-on | Add-on |
| AI call transcripts | Add-on | Add-on |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Click-to-call | Opens the softphone with the number filled in | 1 | Both plans |
| Place a call (API) | Rings your softphone, then connects the other side | 1 | Both plans |
- Power and predictive
- Not offered. VanceTel is a phone system, not a dialer
Inbound calls and transfers
Inbound routing is the main job here. Calls can route by line of business or ZIP code.
- Routing
- By line of business, ZIP code or in sequence
- Queues
- Ring groups and call queues on both plans
- Phone menu
- Auto-attendant on both plans
- After hours
- Business-hours, holiday and after-hours schedules, with failover to another number
Phone numbers and spam labels
- Who supplies numbers
- VanceTel
- Bring your own number
- Free port-in. Usually 7 to 14 business days
- Taking numbers with you
- VanceTel says it will port them out
- Bring your own carrier
- SIP trunking supported
Do Not Call, calling hours and consent
- National Do Not Call list
- No scrub. The agency handles it
- Opt-outs
- STOP and similar words block texts across the account
- Consent records
- Keep your own for texting
- Recording consent
- Two-party consent prompts can be turned on for states that need them
An office phone, not a calling floor VanceTel has no Do Not Call or calling-hour tools because it isn't built for outbound campaigns. Agencies that cold call need a separate dialer and scrub.
Texting and registration
- Plans with texting
- Voice + Text only
- Allowance
- 250 segments an extension each month, pooled. Sent and received both count
- Pictures
- Count as three segments
- Carrier registration
- VanceTel files the 10DLC registration (US carrier registration for business texting) for you
- Fees
- $19.50 once, then $1.50 a month, or $10 for marketing blasts
- Opt-out words
- STOP, STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT
Call recording and Medicare
- Recording
- Add-on that records every call automatically
- Recording notice
- Two-party consent prompts can be turned on
- How long it's kept
- 30 days
- Export
- Call logs from the dashboard or webhooks
- Transcripts
- Voicemail transcripts included. AI call transcripts are an add-on
- After you cancel
- You keep rights to your recordings
Under CMS's rule for the 2027 plan year, Medicare audio is kept six years, far more than VanceTel's 30 days. Download and store every call yourself.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| VanceTel API | Automation | API | Calls, messages and contacts |
| Webhooks | Automation | API | Texts received and delivered, completed and missed calls, new contacts |
| Mailchimp and Klaviyo | API | Text events and opt-outs | |
| Salesforce, HubSpot, Pipedrive and Zoho CRM | CRM | API | Links and webhooks you build |
No CRM or agency management system connects out of the box.
Reporting and coaching
Reports
- Call detail records
- Completed and missed call alerts
- Voicemail transcripts
Coaching
- AI call summaries with the add-on
- No listen-in or whisper tools
Getting started
Talk to sales
Get a written quote or build the bill online.
Port your numbers
Sign a letter of authorization and send a bill image.
Register for texting
VanceTel files it on Voice + Text.
Set up routing
Menus, queues and hours.
Go live
About a day after the port. On-site setup in Southern California.
Support by phone and email, with on-site installation and training in Orange County, Los Angeles and San Diego.
Contract and canceling
- Term
- Month to month, a 12-month prepay or a 3-year term billed monthly
- Renewal
- The 3-year term rolls to month to month at the same price. The prepay doesn't renew
- Refunds
- 30-day money-back guarantee on every term
- Canceling
- Online with 30 days' notice
- Equipment
- Return rented phones within 14 days
Terms as of October 2026, from VanceTel's pricing page and terms.
VanceTel alternatives
- IntulseFrom $26 to $42 an extension per month, 2-extension minimumPhone system with insurance agency system links
- OomaFrom $19.95 a user per monthLow-cost office phone with no contract
- NextivaFrom $15 a user per month, billed yearlyPhone system with longer recording storage
- QuoFrom $15 a user per month, billed yearlyShared numbers with calls and texts, no term
See every option in insurance dialers.
Frequently asked questions
How much does VanceTel cost?
Voice is $24 and Voice + Text $34 an extension a month on a 3-year term. Month to month they are $32 and $45.
Does VanceTel have a dialer?
Only click-to-call. There is no power or predictive dialing.
Is VanceTel recording enough for Medicare?
Not by itself. Recordings are kept 30 days, so you must export and store them for six years.
Who registers VanceTel texting with the carriers?
VanceTel files it and passes the carrier fees through at cost.
How we researched this review. We based this review on the pricing, terms and product pages published by VanceTel, 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 VanceTel quit selling or a contract term that reads different now, let us know and send the link to the page where VanceTel has it. Somebody here pulls up that page and checks it before we change anything on ours.