---
title: "How to Pick the Right unLocked AI Model for Your Insurance Practice"
description: "A short decision guide for choosing between unLocked AI Clover 2.1, Starlite - 3.4, and Sauron 4.2 based on your book size, team, and growth plans."
url: https://unlockedcrm.ai/blog/how-to-pick-the-right-unlocked-ai-model
canonical: https://unlockedcrm.ai/blog/how-to-pick-the-right-unlocked-ai-model
category: "AI Models"
published: 2026-04-17
updated: 2026-04-17
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# How to Pick the Right unLocked AI Model for Your Insurance Practice

## TL;DR

Pick AI Clover 2.1 (Core) if you're a solo producer; AI Starlite - 3.4 (Pro) if you're running 50+ apps a month or a small team; AI Sauron 4.2 (Max) if you're scaling an agency or want the CRM to run on autopilot.

<p class="text-lg mb-6">There's no perfect model — there's the right model for where you are right now, and where you'll be in twelve months. Here's the decision framework we walk new accounts through.</p>

<h2>Step 1 — Count Your Monthly Apps</h2>
<ul>
<li><strong>Under 50/month:</strong> unLocked AI Clover 2.1 (Core)</li>
<li><strong>50–200/month:</strong> unLocked AI Starlite - 3.4 (Pro)</li>
<li><strong>200+/month or running downline:</strong> unLocked AI Sauron 4.2 (Max)</li>
</ul>

<h2>Step 2 — Map Your Team</h2>
<ul>
<li>Solo producer → Clover 2.1 is plenty</li>
<li>2–5 producers sharing a pipeline → Starlite - 3.4</li>
<li>Agency, IMO, or hierarchy with overrides → Sauron 4.2</li>
</ul>

<h2>Step 3 — Audit Your Day</h2>
<p>If admin work (typing follow-ups, building quote sheets, logging calls) eats more than two hours a day, move up a tier. The math always pays.</p>

<h2>Step 4 — Plan for Growth</h2>
<p>If you'll double your app volume in 12 months, pick the model that fits where you're going, not where you are. Switching mid-year is fine, but the smoothest experience is picking the right tier from day one.</p>

<h2>Still Not Sure?</h2>
<p>Start on the Core plan with AI Clover 2.1 and a 14-day trial. If you hit the ceiling on multi-step reasoning or need autonomy, upgrade in one click — every workflow carries forward.</p>

## Related

- https://unlockedcrm.ai/blog/unlocked-ai-models-explained
- https://unlockedcrm.ai/blog/unlocked-ai-2-1-core-tier
- https://unlockedcrm.ai/blog/unlocked-ai-3-4-pro-tier
- https://unlockedcrm.ai/blog/unlocked-ai-super-max-4-2-max-tier

---

Source: [How to Pick the Right unLocked AI Model for Your Insurance Practice](https://unlockedcrm.ai/blog/how-to-pick-the-right-unlocked-ai-model) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/how-to-pick-the-right-unlocked-ai-model.