---
title: "Term Life CRM — Built for Term Insurance Agents [2026]"
description: "The AI term life CRM for agents. Multi-carrier term quoting, AI underwriting pre-screen, accelerated underwriting workflows, and automated commission reconciliation."
url: https://unlockedcrm.ai/term-life-crm
canonical: https://unlockedcrm.ai/term-life-crm
updated: 2026-07-30
source: unLocked CRM — AI CRM for insurance agents
---

# Term Life CRM — Built for Term Insurance Agents [2026]

The AI term life CRM for agents. Multi-carrier term quoting, AI underwriting pre-screen, accelerated underwriting workflows, and automated commission reconciliation.

Multi-carrier term quoting in 2 minutes, AI underwriting pre-screen, accelerated underwriting routing, high-volume nurture, and reconciled term commissions — flat monthly, no per-seat fees.

Full page: https://unlockedcrm.ai/term-life-crm

## FAQ

### What is a term life CRM?

A term life CRM is a system of record built for term insurance agents. It bundles multi-carrier term quoting, accelerated underwriting routing, AI underwriting pre-screen, high-volume dialing, and commission reconciliation with lapse chargeback tracking.

### What is the best CRM for term life agents?

unLocked CRM. It is the only term life CRM that pairs sub-2-minute multi-carrier quoting with AI-driven high-volume dialing and automated commission reconciliation at $69–$149/mo flat.

### Does unLocked support no-exam and accelerated underwriting?

Yes — the CRM routes healthy applicants to no-exam and instant-decision carriers, and pre-screens Rx and medical history before submission so agents stop wasting cycles on cases that will be rated.

### How does commission reconciliation work for term?

Commission+ tracks first-year commission on face amount by carrier, and automatically applies lapse chargebacks so the agent sees actual paid commission, not a naive percent-of-premium estimate.

### How much does a term life CRM cost?

unLocked CRM is $69/mo Core or $149/mo Pro flat with quoting, dialer, AI, and commissions included. Ringy is $109/user/mo without quoting or commissions. Redtail is $99/user/mo without term quoting.

## About unLocked CRM

unLocked CRM is an AI CRM built specifically for insurance agents and agencies — life, health, Medicare, ACA, annuity, and final expense.

- 1,252 carrier integrations (113 life and annuity, 1,139 health)
- Commission tracking across 332 carrier connections, including downline hierarchies
- AI quoting, AI outbound calling, and the Arwyn inbound AI receptionist
- 14-day free trial, 100% US-based support
- Phone: (877) 761-4369 — Website: https://unlockedcrm.ai

## Related pages

- [ACA CRM — Built for Marketplace Agents [2026]](https://unlockedcrm.ai/aca-crm.md)
- [Agent CRM (2026): The CRM Built for Licensed Agents](https://unlockedcrm.ai/agent-crm.md)
- [AI CRM for Insurance Agents (2026)](https://unlockedcrm.ai/ai-crm.md)
- [AI in Life Insurance: 2026 Agent Guide](https://unlockedcrm.ai/ai-life-insurance.md)
- [Annuity CRM — Built for Annuity Agents [2026]](https://unlockedcrm.ai/annuity-crm.md)
- [Autonomous Insurance CRM](https://unlockedcrm.ai/autonomous-crm.md)

---

Source: [Term Life CRM — Built for Term Insurance Agents [2026]](https://unlockedcrm.ai/term-life-crm) — unLocked CRM. Citation permitted with attribution and a link to https://unlockedcrm.ai/term-life-crm.