7 Best Insurance CRM Software for 2021

Learn about the best CRM software for insurance agents, along with the primary use case for each option, in our independent editorial review.

Many insurance agents rely on a combination of spreadsheets, email clients, and scheduling software to run their business. However, following up with clients and generating leads is difficult when everything is splintered across multiple applications. An insurance CRM rolls those functions into one while also adding niche functions like commission management and claim resolution. We evaluated a variety of insurance CRMs and found seven that stand out the most.

These are the top seven insurance CRM software options in 2021:

  • Freshsales (Overall Winner): Best for streamlining workflows (free starting price)
  • Zoho CRM: Best for engaging with clients on multiple channels (free starting price)
  • Salesforce Financial Services Cloud: Best for large companies needing a custom CRM ($150 starting price)
  • Less Annoying CRM: Best CRM for solo agents or small insurance agencies ($15 starting price)
  • Bitrix24: Best free CRM that includes unlimited contacts and leads (free starting price) 
  • Insureio: Best CRM for initiating and delivering life insurance policies ($25 starting price)
  • NextAgency: Best for agencies wanting commission management ($62.50 starting price)

How We Evaluated the Best Insurance CRMs

We believe the best CRM software for insurance sales is reasonably priced, simple to implement, and not lacking in essential contact management tools. Thus, in evaluating close to 20 options, we placed the most emphasis on each CRM’s features, overall costs, and ease of use. Other criteria included how customizable a CRM is, the selection of third-party app integrations each CRM offers, customer support access, and our own expert score.

Evaluation Criteria

We divided our scoring criteria into six categories. Then, we used a list of key subcriteria to assign every CRM a score out of five in each category and used that information to determine an overall score for all options on our list.

Cost:
25%
Core Features:
25%
Ease of Use:
20%
Customization & Integrations:
15%
Expert Score:
10%
Customer Support:
5%

Note: All per-user prices are with a one-year commitment unless noted.

Although every category has at least one clear winner, Freshsales tops our list with a cumulative score of 4.3 stars and three criteria wins. See how our top insurance CRM options scored across all six categories, including a summary of features, pricing, and more.

Freshsales: Best for Workflow Automation

Use AI to streamline day-to-day tasks and score leads to have more time to cultivate meaningful client relationships.

Price Range: Free to $69 per user, per month (21-day free trial)

Overall Rating star-fullstar-fullstar-fullstar-full Cost star-fullstar-fullstar-fullstar-full Core Features star-fullstar-fullstar-fullstar-full Ease of Use star-fullstar-fullstar-fullstar-fullstar-full Customization & Integrations star-fullstar-fullstar-fullstar-fullstar-full Expert Score star-fullstar-fullstar-fullstar-full Customer Support star-fullstar-fullstar-fullstar-full

Pros:

  • Score leads with Freddy AI
  • Automate day-to-day tasks
  • Try for free before committing

Cons:

  • No native insurance app integrations
  • Cheaper plans lack Freddy AI
  • Add-ons are useful but costly

Freshsales takes the crown as the top insurance CRM. Its affordability and solid contact management tools make it a great option for agencies of all sizes, but larger firms wanting to streamline their workload will especially benefit from Freshsales' automation features. Its Freddy AI scores leads and forecasts insights to help teams focus on the most important tasks. Agents can also automate client updates, track claims, and set appointment reminders.

Freshsales Pricing

  • Free Version: Support for unlimited users
  • Growth: $15 per user, per month
  • Pro: $39 per user, per month
  • Enterprise: $69 per user, per month
  • Free Trial: 21 days

Freshsales Key Features

  • Freddy AI: Use artificial intelligence to qualify, score, and engage with leads.
  • Workflow Automation: Create emails, set reminders, and update policy statuses.
  • Visual Pipeline: Keep up with every move through an easy-to-follow, drag-and-drop UI.
  • App Integrations: Connect to popular software like Zapier, MailChimp, and more.

Freshworks Insurance CRM

Visit Freshsales

Zoho CRM: Best for Multi-channel Communication

Its multichannel communication hub makes it easy to engage with customers through social media, live chat, and email.

Price Range: Free to $52 per user, per month (15- to 30-day free trial)

Overall Rating star-fullstar-fullstar-fullstar-full Cost star-fullstar-fullstar-fullstar-full Core Features star-fullstar-fullstar-fullstar-full Ease of Use star-fullstar-fullstar-fullstar-fullstar-full Customization & Integrations star-fullstar-fullstar-full star-full Expert Score star-fullstar-fullstar-fullstar-fullstar-full Customer Support star-fullstar-fullstar-full star-full

Pros:

  • Access social media platforms in-app
  • Automation and assignment rules
  • Customizable dashboards and reports

Cons:

  • Insurance app integration limited
  • Free platform lacks key tools
  • Setup takes time

Zoho CRM is an excellent choice for insurance teams that actively nurture leads and engage with clients through multiple channels. This includes platforms like Facebook and Twitter, which agents can access through Zoho CRM’s dedicated social media tab. Teams can also interact with customers using live chat widgets, automated emails, and in-app phone calls (via telephony). Plus, every interaction is logged so agents can pick up where they left off.

Zoho CRM Pricing

  • Free-for-Life: Support for 3 users
  • Standard: $14 per user, per month
  • Professional: $23 per user, per month
  • Enterprise: $40 per user, per month
  • Ultimate: $52 per user, per month
  • Free Trial: 15 days (30 days with Ultimate)

Zoho CRM Key Features

  • Multichannel Outreach: Engage with clients via live chat, email, and social media.
  • Claim Resolution: Use assignment rules to ensure clients are receiving proper help.
  • Automation: Help customers stay on top of renewals with automated reminders.
  • Multi-Page Layouts: Maintain multiple client policies in one central location.

Visit Zoho CRM

Salesforce Financial Services Cloud: Most Customizable CRM

Ideal for large insurance companies that require a customizable platform with access to key third-party app integrations.

Price Range: $150 to $400 per user, per month (30-day free trial)

Overall Rating star-fullstar-fullstar-fullstar-fullstar-full Cost star-fullstar-full star-fullstar-full Core Features star-fullstar-fullstar-fullstar-full Ease of Use star-fullstar-fullstar-full star-full Customization & Integrations star-fullstar-fullstar-fullstar-fullstar-full Expert Score star-fullstar-fullstar-fullstar-fullstar-full Customer Support star-fullstar-full star-fullstar-full

Pros:

  • Customize reports and workflows
  • Over 100 insurance app integrations
  • Comprehensive policyholder data

Cons:

  • Too pricey for smaller companies
  • Will take time to set up and learn
  • Cheaper plans have limited support

Salesforce Financial Services Cloud is a version of the renowned CRM designed for insurance companies that offers a 360-degree view of policy lifecycles. It’s suited for larger companies seeking a malleable piece of software that can be tailored to their exact needs, from reporting to automation. The CRM can be further customized with many third-party app integrations from Salesforce AppExchange, which includes more than 100 insurance-centric programs.

Salesforce Financial Services Cloud Pricing

  • Professional: $150 per user, per month
  • Enterprise: $300 per user, per month
  • Unlimited: $400 per user, per month
  • Free Trial: 30 days

Salesforce Financial Services Cloud Key Features

  • Customization: Create custom dashboards, reports, and automation rules.
  • Salesforce AppExchange: Choose from hundreds of popular app integrations.
  • Policy Lifecycle: Track every step, from quoting and underwriting to billing.
  • Mobile App: View the Salesforce SFC dashboard anytime with offline mobile access.

Visit Salesforce Financial Services Cloud

Less Annoying CRM: Best for Solo Agents

Solo agents or small teams that want a reliable and secure way to store client data will like this straightforward CRM.

Price Range: $15 per user, per month (30-day free trial)

Overall Rating star-fullstar-fullstar-full star-full Cost star-fullstar-fullstar-fullstar-fullstar-full Core Features star-fullstar-fullstar-full star-full Ease of Use star-fullstar-fullstar-fullstar-fullstar-full Customization & Integrations star-fullstar-full star-fullstar-full Expert Score star-fullstar-fullstar-fullstar-full Customer Support star-fullstar-fullstar-full star-full

Pros:

  • Flat pricing plus 30-day trial
  • Free, automatic updates
  • Group contacts on shared policies

Cons:

  • Too basic for larger companies
  • Small pool of app integrations
  • No insurance features out of the box

Less Annoying CRM is a no-frills program that will suit solo insurance agents or small teams needing robust contact management tools. Users can store and access essential client info on one screen, from follow-up notes to personal milestones. Agents can also group contacts together if they’re on a shared policy. A fair amount of customization is required out of the box, but Less Annoying CRM eases that burden by providing free setup and support.

Less Annoying CRM Pricing

  • Single-Tier Pricing: $15 per user, per month
  • Free Trial: 30 days

Less Annoying CRM Key Features

  • Contact Grouping: Group individual contacts together based on shared plans.
  • Custom Fields: Tailor fields and pipelines to track policy renewals and client milestones.
  • Customer Support: All users get free email and phone support, even with a free trial.
  • Data Security: Client data is secured with 256-bit encryption.

Visit Less Annoying CRM

Bitrix24: Best Free CRM for Growing Companies

New insurance teams — or teams new to CRMs — will find value in this free platform’s unlimited user seats, contacts, and leads.

Price Range: Free to $159 per user, per month (30-day free trial)

Overall Rating star-fullstar-fullstar-full star-full Cost star-fullstar-fullstar-full star-full Core Features star-fullstar-fullstar-full star-full Ease of Use star-fullstar-fullstar-fullstar-fullstar-full Customization & Integrations star-fullstar-fullstar-fullstar-fullstar-full Expert Score star-fullstar-fullstar-fullstar-fullstar-full Customer Support star-fullstar-fullstar-fullstar-full

Pros:

  • Free platform supports unlimited users
  • Unlimited leads and contacts
  • Generate quotes within the CRM

Cons:

  • No automation with free plan
  • Most paid tiers have user caps
  • Lacks native insurance features

For new insurance companies (or companies new to CRMs), Bitrix24’s free platform is a great start. Support for unlimited users, leads, and contacts allows Bitrix24 to scale alongside a growing business. Free features include generating and sending policy quotes, integrating client data from major email clients, and customizing stages so agents can track what they need. Affordable paid plans add automation and third-party apps, but also cap user limits.

Bitrix24 Pricing

  • Bitrix24 Free-for-Life: Support for unlimited users
  • Basic: $39 per user, per month; 5-seat max
  • Standard: $79 per user, per month; 50-seat max
  • Professional: $159 per user, per month
  • Free Trial: 30 days

Bitrix24 Key Features

  • Unlimited Resources: All plans have unlimited contacts, leads, deals, and companies.
  • Policy Quotes: Generate quotes, then save as a PDF or send via email.
  • Data Integration: Import client data from vCard, Outlook, Gmail, and Yahoo Mail.
  • Document Management: Edit documents via Google Docs and MS Office Online.

Visit Bitrix24

Insureio: Best to Manage Life Insurance Policies

Insureio makes it easier for agents to initiate and deliver life insurance policies and provides a robust set of marketing tools.

Price Range: $25 to $75 per user, per month (30-day free trial)

Overall Rating star-fullstar-fullstar-full star-full Cost star-fullstar-fullstar-fullstar-fullstar-full Core Features star-fullstar-fullstar-fullstar-full Ease of Use star-fullstar-fullstar-fullstar-fullstar-full Customization & Integrations star-fullstar-fullstar-full star-full Expert Score star-fullstar-fullstar-fullstar-fullstar-full Customer Support star-fullstar-fullstar-full star-full

Pros:

  • Comes with a 30-day trial
  • Automated lead routing
  • Custom insurance-centric landing page

Cons:

  • Steep learning curve
  • No native mobile app
  • CRM kept freezing during trial

Insureio is a CRM made especially for life insurance agents. It partners with over 30 carriers to fulfill applications and electronically deliver policies for long-term care, disability, and other types. Insureio also has a robust set of marketing tools, from pre-built email templates to social media integration for lead generation. It even provides agents with an insurance landing page that can be customized with quoting widgets, images, and social share buttons.

Insureio Pricing

  • Basic: $25 per user, per month
  • Marketing: $50 per user, per month
  • Agency Management: $50 per user, per month
  • Marketing and Agency Management: $75 per user, per month
  • Free Trial: 30 days

Insureio Key Features

  • Application Fulfillment: Fulfill and deliver policies with help from distribution partners.
  • Lead Management: Automatically assign leads based on brand, referrer, or source.
  • Campaign Management: Capture leads with email templates and web widgets.
  • Custom Landing Pages: Images, content, and quoting widgets are all provided.

Insureio Insurance CRM

Visit InsureIO

NextAgency: Best to Manage Commissions

Agents who want to make sure they’re receiving their fair share can utilize this CRM’s suite of commission management tools.

Price Range: From $62.50 per month for one user + $27.50 per month for additional users (14-day free trial)

Overall Rating star-fullstar-fullstar-full star-full Cost star-fullstar-full star-fullstar-full Core Features star-fullstar-fullstar-full star-full Ease of Use star-fullstar-fullstar-full star-full Customization & Integrations star-fullstar-fullstar-full star-full Expert Score star-fullstar-fullstar-full star-full Customer Support star-fullstar-full star-fullstar-full

Pros:

  • Commission management tools
  • Pay annually and get 2 months free
  • NAHU discounts available

Cons:

  • Can become expensive
  • Limited customer support
  • Zapier integration costs extra

NextAgency is an insurance CRM that helps agents receive their fair share. The NextCommission module features tracking and auditing tools so all deals are recorded accurately. Users can also manage downstream agents (commission splitting) and flag clients who are on the verge of policy lapses. In addition to preventing lost wages, NextAgency also offers automated workflows, email campaign management, and over 50 app integrations.

NextAgency Pricing

  • First User: $78 per month ($62.50 with NAHU)
  • Additional Users: $35 per month ($27.50 with NAHU)
  • NextCommission Module: $78 per month ($62.50 with NAHU)
  • Add-Ons: Marketing and integration add-ons from $5 per month
  • Free Trial: 14 days

NextAgency Key Features

  • Commission Management: Manage sub-agents and stay on top of lapsing policies.
  • Campaign Management: Engage with leads via email, SMS, and web widgets.
  • Integrations: Connect to an agency website and add over 50 third-party apps.
  • Automated Messages: Send follow-ups, birthday wishes, and renewal reminders.

NextAgency Insurance CRM

Visit NextAgency

Bottom Line: Best Insurance CRM Software

Whether you’re a team of one or one hundred, a reliable insurance CRM is a must if you want to grow your client list and maintain a solid customer base. Think about the areas where your company could use the most help — we’re confident that any of the top industry-specific CRM options featured on our list can provide you with the right tools to help you reach your goals.

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