Pricing
PolicyWell is the Agentic Operating System for the Insurance & Financial Services Industry - free for consumers, with commercial producer, agency/MGA, IMO, and carrier plans for advanced workflows, APIs, and white-label acquisition tools.
Human-reviewed recommendations. Enterprise-grade security. No rip-and-replace required.
Save 17% annuallyApproximately two months free
For individuals and families
Understand your coverage without paying for another dashboard.
No credit card required.
For independent advisors and small practices
Most Popular
Turn policy review into a repeatable client workflow.
Solo
$990 per year
One additional policy placement can cover the annual subscription.
Start Advisor TrialFor independent commercial producers
Commercial risk workspace, gap detection, and preliminary underwriting support.
Prepare cleaner commercial submissions without replacing your AMS.
Start producer trialIndependent producers may subscribe directly.
For commercial agencies and MGAs
Usage-based underwriting intelligence and commercial document analysis available as add-ons.
Seat licensing for producers plus commercial intelligence across the book.
Scale commercial submission quality across producers without a rip-and-replace.
Talk to SalesMGA and IMO customers may license seats for their producers; independents can subscribe directly.
For insurance marketing organizations and distribution teams
Typical plans range from $1,500 to $5,000 per month depending on advisor count, policy volume, and integrations.
Intelligence across your advisor network and book of business.
Surface more opportunities across the entire book of business without adding administrative headcount.
Talk to SalesFor insurance carriers and financial institutions
Typical contracts may begin around $100,000 annually and scale based on policy volume, integrations, workflows, and deployment scope.
APIs, AI workflows, white-label deployment, and legacy integration.
Deploy PolicyWell across servicing, distribution, retention, and advisor enablement without replacing existing systems.
Contact Enterprise SalesPolicyWell pricing scales with the value delivered across policies, advisors, workflows, and integrations.
Complete more policy reviews without increasing headcount.
Identify lapse risk and retention opportunities earlier.
Surface replacement, upgrade, and new-coverage opportunities.
Add AI workflows without replacing policy administration systems.
PolicyWell can be deployed through the web application, APIs, CLI tools, batch workflows, CRM integrations, and existing policy administration systems.
API and usage-based pricing is available for:
No rip-and-replace required.
PolicyWell may create additional revenue through advisor subscriptions, permitted referral arrangements, marketplace fees, and transaction-related services, subject to licensing and regulatory requirements.
Insurance recommendations and transactions remain subject to licensed advisor review, carrier requirements, and applicable state and federal regulations.
A clear view of what each tier unlocks across the insurance ecosystem.
| Feature | Policyholder | Advisor | IMO / BGA | Carrier Enterprise |
|---|---|---|---|---|
| Policy uploads | ||||
| Policy explanations | ||||
| Household profile | ||||
| Coverage analysis | ||||
| AI recommendations | ||||
| Client-ready reports | - | |||
| Replacement analysis | - | |||
| Annual review automation | - | |||
| Multi-advisor management | - | - | ||
| Book-of-business analytics | - | - | ||
| Lapse-risk detection | - | Professional | ||
| White-label portal | - | - | ||
| CRM integrations | - | |||
| API access | - | - | Add-on | |
| CLI tools | - | - | Add-on | |
| Legacy-system integration | - | - | - | |
| Custom workflows | - | - | Limited | |
| SSO | - | - | ||
| Audit logs | - | - | ||
| Dedicated support | - | Priority |
Policyholders get free access to insurance intelligence so they can understand coverage, gaps, and next steps. Advisors, IMOs, and carriers fund the product by paying for productivity tools, portfolio intelligence, APIs, and enterprise infrastructure.
PolicyWell is a workflow and intelligence layer. Insurance recommendations and client-facing advice remain subject to licensed advisor review and applicable regulations. Advisors should use PolicyWell within their existing licensing and compliance requirements.
Solo is the entry advisor plan at $99 per month or $990 per year. It includes up to 25 active client households, policy review tools, client-ready reports, basic household analysis, and email support.
IMO / BGA plans start at $1,500 per month or $15,000 per year. Typical plans range up to $5,000 per month based on advisor count, policy volume, white-label needs, and integrations.
Carrier Enterprise is a custom annual license. Contracts typically begin around $100,000 annually and scale with policy volume, APIs, workflows, white-label deployment, and integration scope.
Yes. Carrier deployments are designed for policy administration systems, CRM platforms, batch workflows, CLI tools, and legacy environments without requiring rip-and-replace.
Yes. API and usage-based pricing is available for ingestion, extraction, review, household context, scoring, comparison, recommendation generation, and report generation - or as part of an enterprise contract.
White-label client portals and deployment options are available on IMO / BGA and Carrier Enterprise plans.
PolicyWell may participate in permitted referral, marketplace, and transaction-related arrangements where legally allowed. Insurance transactions remain subject to licensed advisor review, carrier requirements, and applicable regulations.
Yes. Annual billing is available for Advisor and IMO / BGA plans and saves approximately 17% versus monthly billing - about two months free.
Policyholders can begin for free. Advisors, IMOs, and carriers can contact us for tailored onboarding and enterprise pricing.
