Running an insurance agency without software is like running in the dark.
You’ll miss things. You’ll slow down. You’ll lose business.
The best agencies today use tools that help them stay organized, move fast, and give clients a better experience.
In this article, you’ll see the 7 best software tools every insurance agency should use. These tools cover everything – from managing policies, staying in touch with clients, and getting paid on time.
Let’s get into it.
TL;DR – A Quick Recap If You’re Short On Time
Most insurance agencies run on outdated tools (or too many of them).
In this guide, we break down the 7 best insurance agency software tools you should be using today.
Here’s the best insurance agency software to use (according to our research and 50+ interviews):
- AMS (Agency Management System) – your data hub (according to our research, the best products in this category are Applied Epic and AMS360).
- CRM – your sales and communication engine (we recommend going with AgencyZoom or BetterAgency)
- Client Experience Software – save time, reduce service headaches, and give clients the fast, modern service they expect (GloveBox is the leader in the market for this category)
We also look at helpful extras like payment tools and comparative raters (users say the best ones are ePayPolicy and PL Rating by Vertafore).
Now, let’s take a better look at all the important software products a serious insurance agency must have.
Agency Management Software (AMS) – The Core of Every Insurance Agency
Every serious insurance agency needs an Agency Management System (AMS).
It’s the brain of your business.
An AMS helps you keep all your client and policy data in one place. It pulls info from insurance carriers – like coverage, policy numbers, and client details – and saves it automatically.
No more tracking things in emails or spreadsheets.
When you write a policy, the carrier sends all the data into your AMS. This can take a few hours or happen overnight. But once it’s in, you don’t have to do it by hand.
You can search, sort, update, and manage everything from there.
A good AMS should:
- Connect with most major carriers
- Store all client and policy data
- Track renewals and changes
- Help you manage tasks and workflows
Most agencies in the U.S. already use one. If you’re not using one yet, you’re already behind.
Now, let’s explore the best agency management systems for insurance agencies.
Agency Management Software #1 – Applied Epic
Applied Epic is one of the most used agency management systems in the insurance world. It’s made for agencies of all sizes but works best for medium to large ones.
It helps you manage everything in one place – clients, policies, renewals, documents, and tasks. It also connects well with most big insurance carriers.
This tool is part of the Applied Systems family. Many agencies trust it to run their day-to-day work.
Key Features
- Automatic carrier downloads – Gets policy data directly from carriers without manual entry.
- Task and workflow management – Lets your team track tasks, renewals, and follow-ups.
- Sales pipeline tracking – Helps you manage leads and new business from start to finish.
- Reporting and insights – Gives you dashboards to track agency performance.
- Integration with other tools – Works with marketing, CRM, and quoting tools.
Main Use Cases
- Managing large books of business with many clients and policies
- Automating carrier data and reducing manual work
- Tracking sales, renewals, and service tasks
- Helping producers and CSRs stay on the same page
- Getting reports on agency growth, revenue, and retention
Pros and Cons of using Applied Epic
We asked some of our insurance agency customers, as well as double-checked 130+ online reviews. Here are the most common benefits of shortcomings of Applied Epic:
What users like about Applied Epic
- Custom workflows and automation – Users love that they can build workflows to match their agency’s processes. Once set up, these save time on tasks like renewals, certificate generation, or follow-ups.
- Strong reporting and insights – Agencies appreciate the detailed reporting tools. You can pull reports for commissions, policy renewals, producer performance, and more. It helps managers make smart decisions.
- Integrated system – Epic can handle everything in one place – sales, service, accounting, and documents. Many users say it reduces the need for extra tools.
- Carrier download support – Most big carriers connect smoothly to Epic. That means less data entry and fewer errors.
- Stability and scalability – It’s built for large, growing agencies. People mention it handles thousands of clients and policies without slowing down.
What users dislike about Applied Epic
- Clunky user interface – Many users say the UI looks old and isn’t very intuitive. It takes too many clicks to do basic tasks. Some call it “outdated” or “not user-friendly.”
- Steep learning curve – New users often struggle at first. It takes time to train staff, and many features aren’t easy to discover without help.
- Slow support response – Some reviews mention slow customer support or needing to go through multiple reps to solve a problem.
- Too many updates, not always helpful – Frequent system updates sometimes introduce bugs or confuse users with small UI changes.
- High cost – Small to midsize agencies say the price feels high – especially when you need extra modules or custom features.
Agency Management Software #2 – AMS360 (by Vertafore)
AMS360 is one of the most popular agency management systems in the U.S. It’s built by Vertafore, a long-time name in the insurance tech space.
It’s a great choice for small to midsize insurance agencies that want to stay organized, reduce manual work, and get better control over their data.
AMS360 helps you manage policies, track renewals, handle commissions, and store everything in one system.
Key Features
- Carrier downloads – Pulls policy and client info straight from most major carriers.
- Integrated accounting – Built-in tools for invoicing, billing, and commission tracking.
- Renewal and task tracking – Helps your team stay on top of deadlines and follow-ups.
- Sales and marketing tools – Manages leads, tracks deals, and connects with CRMs.
- Reporting and dashboards – Gives insights into agency performance and staff productivity.
- Cloud-based access – Works on any device, anytime, through the cloud.
Main Use Cases
- Agencies that want an all-in-one AMS with built-in accounting
- Managing policy life cycles, renewals, and customer service
- Keeping track of commissions and producer performance
- Organizing documents and cutting down on paper
- Agencies with a few producers and CSRs that need a reliable system
Pros and Cons of using AMS360
What users like:
- Built-in accounting – AMS360 handles accounting inside the platform – so agencies don’t have to pay for extra accounting software.
- Easy policy and client tracking – It’s easy to look up a client, pull their policy history, or review documents.
- Good for audits and compliance – The system keeps a clear record of actions, documents, and policy changes. This is especially helpful during audits or E&O checks.
- Integrations with Vertafore tools – If an agency also uses PL Rating or ReferenceConnect (also by Vertafore), they work smoothly with AMS360.
- Useful dashboards and reports – You can track renewal rates, producer performance, revenue, and more without exporting data.
What users don’t love about AMS360:
- Can be slow at times – Some users complain about lag – especially when switching between tabs or modules. It’s not always instant.
- Clunky user experience – Like many AMS tools, the design feels outdated. Users mention too many steps to complete simple actions.
- Steep learning curve – New staff need training. Features like accounting and reporting are powerful but not beginner-friendly. It can feel overwhelming without help.
- Support is inconsistent – Some users say support is helpful and quick. Others report long wait times and unhelpful answers. It seems to depend on who you get.
- Limited customisation – Agencies that want to tweak workflows or reports sometimes find it hard. You need a tech-savvy admin to get the most out of it.
CRM Software for Insurance Agencies
An AMS helps you manage policies. But it doesn’t help you stay close to your leads and clients.
That’s where a CRM (Customer Relationship Management) system comes in.
A CRM helps you track every lead, send follow-ups, and keep all client communication in one place. Emails, texts, notes, reminders – it’s all there.
With a CRM, your producers and service team don’t have to guess who to call next. They just log in and see what needs to be done.
There are two types of CRMs:
- Horizontal CRMs like HubSpot or ActiveCampaign. These are made for all industries.
- Vertical CRMs built just for insurance agencies. These are more focused and easier to use for daily insurance work.
Although you can use horizontal CRMs, in this article, we will quickly walk you through two CRMs made specifically for insurance agencies.
Let’s dive in.
CRM software for insurance agencies #1 – AgencyZoom
AgencyZoom is one of the most popular CRMs made just for insurance agencies. It’s now part of Vertafore, the same company behind AMS360. It helps agents stay on top of leads, automate follow-ups, and track performance – all in one place.
It’s built to boost sales. But it also supports service, onboarding, and retention workflows.
Many agencies use AgencyZoom alongside their AMS to keep their front-end sales process fast and clean.
Key Features
- Sales pipeline tracking – Helps you move leads through the funnel and never miss a follow-up.
- Automated workflows – Sends emails and texts to leads and clients based on triggers or timelines.
- Renewal management – Keeps track of when policies are due for renewal and prompts your team to act.
- New business tracking – See who’s writing new business and who needs help.
- Performance dashboards – Measure how producers do with leads, closes, and retention.
- Client onboarding – Automate welcome emails, policy setup reminders, and touchpoints after closing.
- It integrates with AMS360 and other tools – It works well with other Vertafore products.
Main Use Cases
- Following up with leads quickly and automatically
- Tracking sales numbers and agent performance
- Managing renewals with timely reminders
- Sending welcome campaigns to new clients
- Making sure no lead or client falls through the cracks
What People Like (and Don’t Like)
What users love:
- Makes follow-up easy – Users say it helps them follow up faster and more consistently.
- Clean & modern interface – Compared to most insurance software, the design is fresh and simple.
- Great for sales teams – Agencies with multiple sales reps love the pipeline view. It’s clear who’s working what and how close they are to closing.
- Time-saving automations – Users say the workflows for emails and texts save hours each week. You can build sequences for every part of the client journey.
What users don’t like:
- Limited customization – Some users wish to customize stages, reports, or automation more deeply. You may need to work within their system instead of building your own.
- Basic reporting – It covers the basics, but some users feel it lacks deeper insights or flexible reporting options.
- Integration hiccups – While it integrates with Vertafore tools, some users mention syncing issues or delays with AMS360 and others.
- Works best for P&C – Life and health agencies say it’s not built with their workflows in mind. Most of its features focus on property and casualty.
CRM software for insurance agencies #2 – Better Agency
Better Agency is a CRM designed specifically for insurance agencies. It aims to streamline sales, service, and renewal processes through automation.
Built by insurance agents, it offers pre-built campaigns and workflows that people from the insurance world love.
Key Features
- Pre-built automation campaigns – Over 100 ready-to-use campaigns for sales, service, claims, and renewals.
- Sales pipeline management – Visual pipelines to track leads and monitor deal progress.
- Client communication tools – Integrated email and text messaging for direct client engagement.
- Task management – Assign and track tasks to ensure timely follow-ups and service delivery.
- Reporting and analytics – Comprehensive reports on agency performance and client interactions.
- Third-party integrations – Connects with various tools to centralize operations.
Main Use Cases
- Automating client communication for policy renewals and follow-ups.
- Managing sales pipelines to improve lead conversion rates.
- Centralizing client data for better service delivery.
- Tracking agency performance through detailed reports.
What Users Like and Dislike
What users like:
- Ease of use – Users appreciate the intuitive interface, which is easy to navigate and implement.
- Pre-built campaigns – Ready-to-use automation campaigns save time and effort when setting up client communications.
- Customization options – Users can tailor campaigns and workflows to fit their agency’s needs.
- Centralized communication – The platform allows for centralizing client interactions, reducing the need for multiple tools.
What users dislike:
- Learning curve – New users may experience a learning curve when implementing the system. But it’s not as bad as it sounds. You should get yourself and your teammates onboard in less than 30 minutes.
- Feature limitations – Some users desire more advanced features or flexibility in existing functionalities.
Customer Experience Software for Insurance Agencies
Customer Experience Software is one of the essential tools every insurance agency should have. And yet, many “forget about it.”
Most agencies wait too long to fix their service process.
Your team is drowning in service requests. ID cards. Policy docs. Billing questions. All the small stuff that eats up 40% of your day.
You didn’t start your agency to answer the same questions over and over again.
That’s where Client Experience Software comes in.
It gives your clients a self-service portal – one place to get what they need without calling, emailing, or waiting.
It gives your team back their time and saves costs by up to 40%.
But how do you know when it’s the right time to buy customer experience software?
- Your team is overloaded and can’t keep up with basic service tasks.
- Your portal feels outdated, or nobody uses it.
- You’re growing but can’t afford to hire more people (or don’t need to, because with customer experience software, your existing team can handle 3x more service requests)
- Clients expect more—faster service, online access, and a smooth experience.
- You’re still getting after-hours calls for simple requests.
- You need a way to stand out, not just compete on price.
Client Experience Software solves all of that.
It’s one of the most important tools your insurance agency can use.
But, what’s the best client experience software in the market?
There are a few contenders that hold the biggest market share. However, most of them are outdated and do not receive any development support anymore.
Here’s the best client experience software based on answers from over 100 insurance agencies.
Glovebox – most rated Client Experience Software made for Insurance Agencies
GloveBox is a client experience platform built for insurance agencies in the U.S.
It gives your clients a simple, modern portal where they can upload documents, track onboarding steps, request changes, and get what they need – without calling or emailing you.
It replaces all the back-and-forth with a clean, branded experience that makes your agency look sharp and saves your team hours every week.
Key Features
- Branded client portal – Your agency’s name, your look. Clients log in to a portal that feels like yours – not a third-party tool.
- Document collection and tracking – Clients can upload forms, photos, and paperwork directly. You can track what’s done and what’s still missing.
- Smart task lists – Show your clients exactly what they need to do, step by step.
- Automated reminders – No more chasing people over email. GloveBox handles that.
- Mobile-first design – Clients can use it from any device, anytime. It’s made for how people actually work today.
- Integrates with your systems – Syncs with AMS tools, CRMs, and other parts of your technology stack.
- Cross selling for referrals – With one click your clients can share your information with their peers and recommend your services.
Main Use Cases
- Client onboarding – Create a clean process from the start – no PDFs, emails, or confusion.
- Policy servicing – Let clients request changes, upload documents, and track progress.
- Renewal prep – Collect updated info and documents ahead of time.
- After-hours requests – Clients get what they need without calling your team at 8pm.
What People Love
- Clients actually use it – Many agencies struggle to get people to use portals. GloveBox makes it easy and clear. Adoption is high.
- Cuts down on busy work – Teams save hours by not chasing documents or answering the same questions over and over.
- Looks professional – The branded experience helps agencies stand out from the crowd and feel more polished.
- Boosts client satisfaction – People love knowing exactly what to do – and being able to do it without waiting.
What Could Be Better
- Some setup required – Like any client-facing tool, you’ll need to set it up for your workflows. But once it’s live, it runs smoothly.
- It’s not a good fit for small insurance agencies – only mid-to-large businesses – If your agency doesn’t need much client input or document collection, it might be more than you need.
If you’re ready to save more than 40% of your agent’s time, get more referrals, and stand out from the competitors with a custom client portal, schedule a demo with GloveBox to see how they can make your insurance agency grow and cut costs.
Optional Software for Insurance Agencies
Agency management software, CRM, and client experience software are a must for every serious insurance agency.
However, there are a few tools that fit in the “optional” category.
Not every agency needs these tools – but the right ones can save time, reduce errors, and make life easier.
Payment tools help you collect premiums without chasing checks or dealing with clunky systems. They also help your agency look more professional.
Quoting tools – also called comparative raters – let you show clients quotes from multiple carriers in one place. They can speed up the sales process and help you win more deals
Let’s look at the best ones.
Note: There are also other tools insurance agencies can use, but they’re not specific to our vertical. Tools for calendar management, notes, document management, internal communication, call center, etc. can also be used inside your insurance agency – but these are “horizontal tools” that can be used by any type of business. We’ll not cover these in this article, as we aim to cover only “insurance agency specific” software.
Payment Solutions Software for Insurance Agencies – ePayPolicy
ePayPolicy is a payment platform made specifically for insurance agencies, MGAs, and carriers.
It helps agencies collect payments online – fast, simple, and secure. No more paper checks, no more awkward phone calls for credit card info, and no more chasing people for late payments.
It’s trusted by thousands of insurance professionals and is known for being easy to use and reliable.
Key Features
- Digital payment options – Accept credit cards, ACH (bank transfers), and more.
- Branded payment pages – Your logo and colors on the payment page. Clients know it’s you.
- Automated payment tracking – Keep tabs on every transaction. No more guessing who paid.
- Integration with AMS systems – Works with AMS360, Applied Epic, NowCerts, and more.
- Mobile-friendly design – Clients can pay from any device, anytime.
- Secure and compliant – PCI-compliant and built for the insurance industry.
Main Use Cases
- Collecting premium payments quickly and securely
- Reducing check handling and manual accounting
- Giving clients a professional and easy way to pay
- Syncing payment data with your AMS or accounting tool
What People Like
- Saves time and cuts down on errors – Agencies love how fast payments come in – and how it reduces time spent on manual accounting.
- Clients like it too – Many reviews mention that insureds appreciate the simple, mobile-friendly payment experience.
- Great support team – Users say the ePayPolicy team is quick to help and easy to work with.
- Easy to set up and use – You don’t need to be tech-savvy. Most agencies get started quickly.
- Custom branding – Makes the agency look more professional compared to generic payment portals.
What People Don’t Like
- Processing fees – Some agencies mention fees can add up, especially on credit card payments. But many pass those costs to the client.
- Limited customization – A few users say they wish they could tweak the design or workflows a bit more.
- Some AMS sync issues – Sometimes, data syncing with AMS systems can get delayed or need manual fixing.
Quoting Software for Insurance Agencies – PL Rating (Vertafore)
PL Rating is a comparative rater (or a quoting software) made for personal lines insurance. It helps agents quickly get quotes from multiple carriers without having to re-enter the same data over and over.
It’s made by Vertafore (the same company behind AMS360 and AgencyZoom) and is widely used by independent insurance agencies across the U.S.
If your agency writes a lot of home, auto, or renters insurance, PL Rating can save a ton of time.
Key Features
- Real-time quoting – Instantly pull live quotes from multiple carriers using a single data entry.
- Pre-fill client info – Use data from your AMS or lead form to fill out applications faster.
- Carrier integrations – Works with most major personal lines carriers.
- Customizable workflows – Add filters, set preferences, and control how quotes are shown.
- AMS integration – Syncs with AMS360, QQCatalyst, and other Vertafore tools.
Main Use Cases
- Quoting auto, home, renters, and other personal lines policies
- Comparing pricing and coverage across carriers
- Reducing duplicate data entry and manual quoting
- Speeding up the sales process for personal lines agents
What People Like
- Huge time saver – Users love how fast they can get multiple quotes with one entry. It cuts the quoting time down from hours to minutes.
- Accurate real-time rates – Most reviews mention that the quotes match what carriers would offer directly.
- Works well with AMS360 – Agencies using Vertafore tools get the most out of this integration.
- Easy to use once set up – Many agents say it’s simple after the initial learning phase.
- Great for cross-selling – You can quote multiple lines at once, like bundling home and auto.
What People Don’t Like
- Can be slow at times – Some users report lag or load delays when pulling quotes.
- Not all carriers are supported – While it works with many big carriers, not every regional or niche insurer is on board.
- Learning curve upfront – Setting up carrier connections and workflows can take time.
- Interface feels a bit dated – The design isn’t as modern or slick as newer tools.
- Support varies – Some users get great help. Others feel support can be slow to respond or hard to reach.
The Quick Recap
If you don’t want to be eaten by your competitors, your insurance agency needs the right tools to stay sharp, move fast, and grow.
The three essential software types we covered – Agency Management Systems (AMS), CRMs, and Client Experience Software – work together to cover your entire operations.
One manages data. One manages relationships. One manages the client journey.
Most agencies already have an AMS and maybe a CRM.
But they’re still missing the one piece that makes everything feel modern and run smooth: Client Experience Software.
That’s where GloveBox comes in.
If your team is swamped with service requests…
If your clients are calling for ID cards at 8pm…
If you’re stuck answering the same emails over and over again…
You don’t need more people. You need better systems.
GloveBox gives your clients a simple way to self-serve, while giving your team hours back every week.
It’s clean. It’s fast. And it works.
If any of those problems sound familiar, it’s time to schedule a free GloveBox demo and see how to solve them.
