The Life Insurance CRM Built for Life Agents.
Quote 113 carriers with underwriting eligibility on every row, get a live rate-class read before you quote, submit the e-App from the quote, follow up in your own voice for the whole 90-day cycle, and let Commission Auto Sync tell you when the carrier paid. One record from first question to first renewal. Per user from $69 a month.
A Life Case, Start to Placement, on One Record.
Underwriting guide, quoter, carrier portal, and commission spreadsheet are four tabs in most practices. Here they are five steps on the contact.
01
Describe the case
Age, build, tobacco, medications, and coverage in plain English, or pulled from the contact. Underwrite AI keeps a live rate-class read and the best-match carrier as the facts come in.
02
Quote 113 carriers
Term, whole life, IUL, GUL, return of premium, and final expense ranked by premium, with underwriting eligibility flagged on every row.
03
Send it
A branded PDF, or the quote by email or SMS from the CRM. Clients can also quote themselves through your custom life quoting link and land in your pipeline.
04
Submit the e-App
Pick the carrier on the quote and the application opens filled in. Sign on the client's phone, submit, and the packet files to the record. 125 life carrier and product listings.
05
Get paid, and know it
Commission Auto Sync pulls the carrier statement, matches the payment to the policy, and flags chargebacks, underpayments, and the renewals that quietly stopped.
Underwrite Before You Quote.
Rated and postponed cases are where life agents lose weeks. Underwrite AI reads the case as you describe it, so the carrier you quote is the one likely to say yes.
- A live read of the likely rate class, the best-match carrier, and BMI as the case is described
- A case checklist of what is captured and what is still missing, with the next questions to ask
- A ranked lineup of 23 carriers with fit scores and the reasons a carrier may want a closer look
- Chat through the case instead of a rigid wizard; start from a contact or pasted notes
- Save the assessment, export a PDF summary, and pass the details into the quote
Every Life Product, One Quoter.
113 carriers, rates updated daily, side by side for the same client. Included on every plan.
Term life
10, 15, 20, and 30 year, conversion options, and return of premium, ranked by premium.
Whole life
Guaranteed death benefit and cash value, with eligibility flagged before the client hears a number.
Indexed universal life
IUL illustrations beside term and whole life for the same client, on the same screen.
Guaranteed universal life
GUL for clients who want the permanent guarantee without the cash value story.
Final expense
Simplified issue quoting for the clients term will not fit, without switching tools.
Annuities
FIA, MYGA, and SPIA across 35+ carriers on the same record, so the retirement conversation stays with the protection one.
The Long Cycle, Worked Automatically.
Life closes on 30, 60, and 90-day cycles, and most of them die in the gap between the quote and the exam. The follow-up here runs from the record, not from memory.
Sequences for the 90-day close
Email and SMS campaigns for the quoted-but-undecided, the exam pending, and the policy delivered, with A2P 10DLC registration handled for you.
Learn moreAgent AI in your voice
Outbound follow-up in your cloned voice, in any of 32 languages, with every call transcribed to the contact.
Learn moreArwyn on the callback
The client who calls back at 8 pm gets answered as you, qualified, and booked onto your calendar.
Learn moreunLocked AI does the CRM work
Tell it to draft the follow-up, log the note, move the case, and schedule the exam reminder. 118 tools, on instruction.
Learn moreFamily Trees for the cross-sell
A visual map of the household that flags members with no life coverage and anyone turning 65 within six months.
Learn moreAdvance, As-Earned, and Chargeback, Reconciled to the Policy.
Commission Auto Sync logs into your carrier portals with the credentials you enter once, pulls each statement on the carrier's schedule, and matches every line to the policy it belongs to. Comp plans account for new business versus renewal, dollar or percentage, and chargebacks, and every exception is listed with the carrier and the dollar amount: missing payments, underpayments, unmatched deposits, and chargebacks. 332 carrier integrations, 296 of them auto-syncing. Included on Max.
See Commission Auto SyncWhy Not an Advisor CRM, an AMS, or a Quoter?
The tools life agents usually evaluate each cover one piece of the case. Any tool missing quoting, underwriting, nurture, e-App, or commission reconciliation is a contact tracker.
Financial-advisor CRMs (Redtail, Wealthbox)
No life quoting, no underwriting read, no commission reconciliation, no AI calling. Fine if the practice also runs AUM. The wrong tool for a pure life practice.
iLife
A life quoter with a light CRM bolted on. Fine as a quoter, narrow as a system of record.
Salesforce Financial Services Cloud
Enterprise-only, at $225 per seat per month plus a multi-month implementation. Overkill for anyone under 50 agents.
Generic CRMs (HubSpot, Pipedrive, Zoho)
Contact trackers with no life workflow. Every quote, application, and commission line lives outside the tool.
Life Insurance CRM FAQ
What is a life insurance CRM?
A system of record built for life agents rather than a generic sales CRM with a life tag. It has to quote across carriers, read underwriting before the application, run the 30, 60, and 90-day nurture without a person babysitting it, submit the e-App with a signature, and reconcile commissions from every carrier including chargebacks and hierarchy splits.
Which life products can I quote?
Term, whole life, indexed universal life, guaranteed universal life, return of premium, and final expense across 113 carriers, ranked by premium with underwriting eligibility on every row. Annuities (FIA, MYGA, and SPIA) quote across 35+ carriers on the same record.
Does it help with underwriting?
Yes. Underwrite AI takes the case in plain English, from a contact, or from pasted notes and keeps a live read of the likely rate class, the best-match carrier, and a ranked lineup of 23 carriers, with a checklist of what is still missing. It is included on Pro.
Can I submit the application inside the CRM?
Yes, for 125 life carrier and product listings. The e-App starts from the quote with the client details filled in, the signature is collected on the client's phone, the case submits to the carrier, and the packet files to the client record. eApps & eSign is included on Core. Other carriers get a carrier application link.
How much does it cost?
Core is $69, Pro is $149, and Max is $247 per user per month, with a 14-day free trial. Quoting, the dialer, and unLocked AI are in every seat. Pro adds Agent AI, Arwyn, and voice cloning. Max adds eApps and Commission Auto Sync.