Zinnia review for insurance agents: pricing, carriers and features
Zinnia sells three sales tools. VitalQuote compares term and GUL, WinFlex runs carrier-approved illustrations and VitalAnnuity compares annuity rates.
VitalQuote costs $585 a user per year, and a case can move into WinFlex and then a LifeSpeed e-application.
- Best for
- Life and annuity producers who want term and GUL comparisons, carrier illustrations and an e-app path from one vendor
- Lines
- Term, GUL and permanent life, disability income and fixed, indexed and variable annuities
- Price
- $585 a user per year for VitalQuote
- How you get it
- Subscribe yourself, or through a BGA or marketing group
- Carriers
- 40+ in WinFlex
- Applications
- WinFlex hands supported cases to LifeSpeed e-applications
Our take
Zinnia suits a life and annuity producer who wants comparisons, illustrations and e-apps from one vendor, especially one already on SmartOffice. VitalQuote's rider and surrender charge detail goes deeper than a price list.
WinFlex needs carrier approval product by product, so setup takes time.
Pros
- Term, GUL and annuity comparisons
- Carrier-approved illustrations in WinFlex
- A path from quote to illustration to e-app
- Saves reports back to SmartOffice
- Annuity rates refreshed every business day
Cons
- WinFlex needs carrier approval for each product
- No refunds, and access can end without notice
- Mobile access costs extra
- No prescription lookup
Plans and pricing
| Plan | Price a year | Who it covers | What it adds |
|---|---|---|---|
| VitalQuote IndividualTerm and GULFor a single producer | $585 | One producer | Term and GUL comparisons with premiums, riders, surrender charges and health questions |
| VitalQuote Office or Agency SupportTeams | $2,340 | Up to 10 agents in one office, or one staffer preparing reports | The same comparisons, with names printed on reports |
| VitalAnnuity IndividualAnnuities | $525 | One advisor | Fixed, indexed and variable annuity comparisons with product forms |
As of October 2026, from vitalsalessuite.com. VitalQuote Mobile adds $7.99 on Individual plans. The order page shows Office and Agency Support as unavailable for now.
Access and contracting
- How you get it
- Order VitalQuote or VitalAnnuity online. WinFlex needs a carrier or agency to approve you
- Who pays
- You, or a sponsoring BGA or marketing group
- What you need first
- A license and the carrier agreements for what you sell
- If you leave your upline
- No right to keep cases, quotes or carrier access
Some BGAs give VitalQuote to their agents free. Asking a carrier for WinFlex access only notifies it.
Carriers, products and states
| Product | Type | Lines | Built for |
|---|---|---|---|
| VitalQuote | Comparison quoter | Term and GUL | Producers and agencies |
| WinFlex | Illustration platform | Life, disability and annuities | Producers, BGAs, carriers and broker-dealers |
| VitalAnnuity | Annuity comparison | Fixed, indexed and variable annuities | Advisors |
- Carriers
- 40+ in WinFlex, with 300+ products
- Carrier list
- WinFlex carrier list
- States
- Set by each carrier and product
Zinnia lists 40+ WinFlex carriers, as of October 2026. VitalQuote and VitalAnnuity give no carrier count.
Rates and underwriting
- Where rates come from
- Carrier product data, and carrier-approved illustration logic in WinFlex
- How often they update
- VitalAnnuity every business day. WinFlex as carriers change
- Fixing a wrong rate
- Email Zinnia support
VitalQuote underwriting inputs
- Health questions by carrier
- Build and tobacco
- Risk classes and table ratings
What it doesn't do
- Prescription lookup
- Automated underwriting decisions
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | Term and GUL premiums with features and riders |
| Carrier illustration | Carrier-approved illustrations from WinFlex |
| Rate comparison | Annuity rates side by side |
- What you can send the client
- A PDF
Zinnia says to check comparisons against carrier rate cards. An illustration isn't a guarantee or approval.
Applications and enrollment
- Where the application goes
- LifeSpeed e-applications, from WinFlex
- What carries over
- Supported client fields from VitalQuote to WinFlex, then case data to LifeSpeed
- E-signature
- Built into LifeSpeed
Website quoting and consent
BGAs and marketing groups can add VitalSales Suite to their own site, styled to match. Zinnia doesn't offer a consumer quoter for single agents.
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| SmartOffice | CRM | Built in | Both ways | Fills VitalQuote and WinFlex, then saves reports back to the contact |
| WinFlex | Illustrations | Built in | Out | VitalQuote passes client data to WinFlex |
| LifeSpeed | eApp | Built in | Out | WinFlex sends cases into applications |
Getting started
Order online
Buy a VitalQuote or VitalAnnuity subscription, or ask your BGA.
Register for WinFlex
Then wait for a carrier or agency to approve your products.
Compare
Run term or GUL comparisons and save the PDF.
Illustrate and apply
Move the case to WinFlex and on to LifeSpeed.
Support is by phone, email and help center. Zinnia sends a renewal reminder about a month before your year ends.
Mobile, users and security
Mobile
VitalQuote Mobile and WinFlex Mobile are paid add-ons. There's no app-store app, and Safari isn't supported.
Users and security
- Strong password rules
- 30-minute timeout in WinFlex
- Carrier and agency control over products
- SOC 2 Type II badge
Contract and your data
- Term
- One year for VitalQuote and VitalAnnuity
- Renewal
- A reminder about a month before it ends
- Canceling
- Zinnia can end access any time without notice
- Your data when you leave
- Download WinFlex cases. No bulk export is promised
- Terms
- VitalSales Suite terms
Terms read in October 2026. Keep your own records, and know that WinFlex data can be used to train models without client identities.
Zinnia alternatives
- EnsightQuote onlyMulti-carrier life and LTC illustrations for brokerages
- HexureQuote onlyLife and annuity quoting into FireLight eApps
- CANNEXQuote onlyAnnuity rate data and comparisons for advisors
- COMPULIFEFrom $110/yrTerm, GUL and final expense quoting on a yearly license
- iPipeline LifePipeThrough your BGATerm and GUL quoting into iGO, usually free through a BGA
See every option in insurance quoting software.
Frequently asked questions
How much does Zinnia VitalQuote cost?
$585 a user per year. The Office version for up to 10 agents is listed at $2,340, but the order page shows it as unavailable.
How do I get WinFlex access?
Register, then a carrier or agency approves the products you can illustrate.
Can I submit an application from Zinnia's tools?
Yes, for supported cases. WinFlex sends them to LifeSpeed e-applications.
How we researched this review. We based this review on the pricing, terms and product pages published by Zinnia, 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 Zinnia quit selling or a contract term that reads different now, let us know and send the link to the page where Zinnia has it. Somebody here pulls up that page and checks it before we change anything on ours.