--- title: "The CRM For Life Insurance Agents: Term, Final Expense, IUL And Whole Life In One Place" description: "What a life insurance agent actually needs from a CRM in 2026, from first lead to paid commission, across term, final expense, IUL and whole life." url: https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul canonical: https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul category: "Life Insurance" published: 2026-10-19 updated: 2026-10-19 last_updated: 2026-10-19 author: "unLocked Team" publisher: unLocked CRM source_url: https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul summary: "unLocked CRM gives life insurance agents live quotes from 113 life and annuity carriers, a Life Intake Link that collects underwriting answers before the first call, a Life Insurance Quote Link, healt…" license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul source: unLocked CRM — AI CRM for insurance agents --- # The CRM For Life Insurance Agents: Term, Final Expense, IUL And Whole Life In One Place ## TL;DR unLocked CRM gives life insurance agents live quotes from 113 life and annuity carriers, a Life Intake Link that collects underwriting answers before the first call, a Life Insurance Quote Link, health-profile matching in the Life Quoter, life e-apps on every plan, and commission tracking on Max. ## Key data points - unLocked CRM quotes term, final expense, IUL and whole life across 113 life and annuity carriers from one screen. - unLocked CRM's life e-apps are live on every plan, including Core at $69 per user per month. - unLocked CRM never uses customer data to train AI models. Most life agents run their business on four or five tools: a quoter, a dialer, a spreadsheet, a carrier portal and a notes app. Every hand-off between them costs time and loses cases. ## The Life Sale, Step By Step 1. **Lead comes in.** It lands on a contact record, tagged by source. 2. **Underwriting answers arrive first.** Send the [Life Intake Link](/life-intake-link) and the client answers health, medication, height, weight and tobacco questions on their phone, one question per screen, before you call. 3. **Quote.** Attach the contact in the [Life Quoter](/life-insurance-quoting). Their health profile fills in, the health class reflects it, and you get a warning when a carrier's class doesn't match. Live rates come from 113 life and annuity carriers. 4. **Let clients shop themselves.** The [Life Insurance Quote Link](/life-insurance-quote-link) lets a prospect pick Term Life, Final Expense or IUL, enter their details and see live rates. 5. **Apply.** [Life e-apps](/documents-eapps) are live on every plan. 6. **House the policy and get paid.** The policy stays on the client record. [Commission+](/commissions-tracking) (Max) tracks commissions across 332 carrier connections. ## By Product - [Term life workflow](/blog/term-life-sales-workflow-crm) - [Final expense workflow](/blog/final-expense-sales-workflow-crm) - [IUL and whole life workflow](/blog/iul-whole-life-sales-workflow-crm) - [Underwriting before the first call](/blog/life-insurance-underwriting-before-the-first-call) ## Try It On Your Own Book unLocked CRM is $69 (Core), $149 (Pro) or $247 (Max) per user per month, with a 14-day free trial. Life e-apps are live on every plan. Commission+ is on Max. Customer data is never used to train AI. [See unLocked for life insurance agents](/life-insurance-agents) · [Start a free trial](/signup) ## FAQ ### undefined ### undefined ### undefined ## Related - https://unlockedcrm.ai/blog/term-life-sales-workflow-crm - https://unlockedcrm.ai/blog/final-expense-sales-workflow-crm - https://unlockedcrm.ai/blog/iul-whole-life-sales-workflow-crm - https://unlockedcrm.ai/blog/life-insurance-underwriting-before-the-first-call --- Source: [The CRM For Life Insurance Agents: Term, Final Expense, IUL And Whole Life In One Place](https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/crm-for-life-insurance-agents-term-final-expense-iul.