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The operating system for insurance

Run Your Insurance Business on Infrastructure Built for Scale

Policy Tools is a CRM and operations platform built exclusively for insurance agencies, brokers and independent agents. Leads, policies, agents, commissions and renewals — all in one place.

Watch the full walkthrough, then explore the details below.

Start free — pay as you grow
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Connected operations

One Platform Instead of a Fragmented Software Stack

Health AMS, P&C management, quoting, communications, e-signatures and workflows—all connected through Policy Tools.

AMS — Health Insurance

ApizealAgencyBloc

Agency management, policies, commissions and consent

CRMs

GoHighLevelAgencyZoom

Contacts, leads, pipelines and follow-up

P&C Operations

EZLynxTurboRaterQQ Catalyst

Agency management, rating and quoting

Communications

Five9RingCentral

Calls, dialer, phone and SMS

Documents & Workflows

DocuSignTrello

E-signatures, consent, tasks and workflows

“Our agency cut roughly $16,000 per month in software expenses — from about $25,000 down to a third of that.”

Too many platforms. Too many logins. Too many bills.

Policy Tools brings your insurance operation together.

Start free — your costs grow only as your business grows.

See it in action

See How Policy Tools Runs Your Entire Insurance Operation

Teams in Sync

Keep agents, clients and daily operations connected.

One Connected Workspace

Bring systems, resources and workflows into one place.

Clearer Operations

See the work that moves your insurance business forward.

Built for Insurance

Support the way agencies and independent agents work.

The journey

From a Fragmented Stack to One Operation

Policy Tools was built inside a working insurance agency. This is the path that agency took — and the one most agencies are still on.

Before

A stack that grew one tool at a time

An AMS for health, a separate system for P&C, a CRM on top, a dialer, an e-signature tool and spreadsheets holding it all together.

  • Renewals and retention tracked in spreadsheets
  • Leads re-entered by hand across systems
  • Commission advances reconciled manually
  • Around $25,000 a month in software bills
The turning point

The tools were the bottleneck, not the team

Every new producer meant more logins, more training and more places for a policy to fall through. The stack could not scale with the agency.

  • No single view of production or retention
  • Compliance and licensing spread across tools
  • Remote and offshore teams hard to supervise
  • Growth adding cost faster than revenue
After Policy Tools

One operation, one login, one bill

Leads, policies, agents, commissions, renewals, resources and communication moved into a single platform built for insurance.

  • Live production, retention and revenue dashboards
  • Automatic lead routing and follow-up rules
  • Commissions, splits and overrides tracked in-platform
  • Monthly software spend cut to about a third

You don't need another generic CRM. You need infrastructure built for insurance.

Case study

The Agency That Built Policy Tools

A multi-line agency running health, life and P&C moved its entire operation onto Policy Tools and consolidated its software stack.

Before Policy Tools

~$25,000/mo

Spent across AMS, CRM, P&C, dialer, e-signature and workflow tools.

After Policy Tools

~1/3 the cost

One platform replacing the stack, with the same operation running on it.

Monthly savings

~$16,000/mo

Roughly two thirds of the previous software spend, back in the business.

"Our agency cut its monthly software spend to a third of what it was — and everything finally lives in one place."

For agencies

Manage Your Agency from One Place

Policy Tools gives agency owners and managers full visibility into production, retention and money flow — across one office or many.

Access Policy Tools
  • Route leads to the right producer automatically, with status tracking and follow-up rules.
  • See production, close rate, revenue and retention for every agent on one dashboard.
  • Track upfront and renewal commissions, splits and manager overrides without spreadsheets.
  • Manage multiple offices, seat capacity and role-based access as the team grows.
  • Keep NPN, state licensing and certifications current with expiration alerts and audit logs.

For agents

Manage Your Book of Business from One Place

Independent agents get the same infrastructure without the overhead: clients, policies, tools, resources and commissions in a single workspace.

Access Policy Tools
  • Keep every client, quote and policy in one place instead of across notebooks and inboxes.
  • Follow each policy from quote to effective date to renewal, with alerts before it lapses.
  • Open your quoting tools, carrier portals and Resource Center from a single login.
  • See exactly what you've earned, what's advanced and what's still coming.
  • Keep learning with Academy courses and proven scripts for your conversations.

Core features

Everything You Need to Run Insurance Operations

Purpose-built tools for every part of your workflow — from lead capture to commission reconciliation.

Lead Management Engine

Multi-channel intake, real-time agent assignment, routing rules, follow-up automation and call tracking.

Policy Lifecycle Management

New business, effective dates, 6-month and annual renewal cycles, retention analytics and alerts.

Agent Performance Dashboard

Production per agent, close rate, revenue generated, lead-to-policy conversion and carrier tiers.

Commission & Overrides

Upfront and renewal payments, splits between agents, manager overrides and reconciliation reports.

Multi-Office & Team Management

Remote and offshore team tracking, seat capacity, office comparisons and role-based access control.

Compliance & Licensing

NPN and state licensing, marketplace participation, certification tracking, audit logs and alerts.

Academy & Scripts

Ongoing training for your producers plus proven scripts and guides for every conversation.

API-Ready Infrastructure

Built to connect with EDE entities, state-based marketplaces, carrier APIs and rating engines.

Integrations

Connected to the Tools You Already Use

Policy Tools plugs into the insurance ecosystem so data flows in and out of your operation without manual work.

HealthSherpa

Sync ACA enrollments, applications and client data directly with your HealthSherpa workflow.

Marketplace Integrations

Connect with the Federally Facilitated Marketplace, EDE entities and state-based marketplaces.

Carrier Portals & APIs

Open carrier portals and pull policy data through carrier APIs without leaving the platform.

Rating Engines & Quoting

Connect quoting and rating engines so proposals flow straight into your pipeline.

And many more — our API-ready infrastructure connects with the platforms your agency relies on.

Purpose-built

Built Specifically for Insurance

Not a generic CRM adapted for insurance. Every workflow and report exists because an agency owner needed it.

Health (ACA)

Marketplace enrollment, SEP tracking and plan comparison.

Auto

Personal and commercial auto policy lifecycle.

Life

Term, whole life, IUL and annuity management.

Group Plans

Group benefits administration and renewals.

Property & Casualty

P&C policy tracking across carriers.

Multi-State

Manage agencies operating across multiple states.

FAQ

Frequently Asked Questions

What insurance lines do you cover?

Health and ACA, Auto, Life, Group plans, Property & Casualty, and multi-state operations. Workflows, fields and reporting are built around how each line actually works, rather than a generic CRM adapted after the fact.

How long does it take to set up?

Most agencies are up and running in 24 to 48 hours. We help you bring in your team, your book and your existing data so you can start working in Policy Tools right away.

What integrations are supported?

HealthSherpa, marketplace integrations (FFM, EDE and state-based exchanges), carrier portals and APIs, and rating and quoting engines. Our API-ready infrastructure connects with the other platforms your agency relies on as well.

How much does Policy Tools cost?

You start for free — no monthly fee. Your expenses grow only as your business grows, so you pay based on actual usage. Every other CRM charges you from day one; Policy Tools lets you run your operation at no cost until you scale.

Contact us

Request More Information

Tell us a bit about yourself, and we'll get back to you as soon as possible.

Policy Tools

Your Business. Your Tools. One Place.

Access Policy Tools and find the tools and resources you need for your day-to-day business.

Start free — your costs grow only as your business grows.

ACCESS POLICY TOOLS