Best for
Best for Medicare, ACA, group benefits and life agencies, and for GAs, IMOs and FMOs that manage downline agents.
- Freelancers
- Small and mid-sized
- Enterprise
Insurance Agency Software Comparison
AgencyBloc vs. NowCerts
At a glance
At a glance
Best for
Best for small independent P&C agencies that want a published monthly price and self-serve certificates for their insureds.
- Freelancers
- Small and mid-sized
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | AgencyBloc | NowCerts |
|---|---|---|
| Starting price | From $109 / user / month For the AMS+ Grow package. Accelerate is listed at $139 and Elevate at $169 per month; enterprise pricing for IMOs, FMOs, GAs and large agencies on request. Commissions+, Engage+ and Quote+ are separate solutions without a published price. | lower value From $99 / month Essentials plan with 1 user included; Professional includes 2 users and Business 5. Additional user licences cost extra. |
| Free trial | 7-day free trial | 30-day free trial |
| Users | Not stated | 1, 2 or 5 users included depending on plan; the Enterprise plan is listed for 50+ users |
| API | Open API, plus a Zapier integration | Developer REST API and Zapier; the number of API integrations depends on the plan |
| Hosting | Cloud; the vendor states its solutions run on HIPAA-compliant AWS servers | Cloud-based, used in a browser |
| Made in | United States (Des Moines, Iowa) | Not stated |
| Clients and policies | Individual and group health, life and ancillary policies, each linked to client, carrier and agent, with every policy of an individual, household or group on one screen, policy status from quoting to active to renewal, and documents, activities and communications attached to the policy | Client and policy records with endorsements that log every change, document storage, notes and reminders per policy, all ACORD forms in PDF or HTML filled from the record, and a claims module for tracking and submitting claims |
| Lines of business and markets | Health, benefits, senior and life: Medicare, individual and ACA health, group benefits, life and ancillary products, for retail agencies as well as uplines (GAs, IMOs, FMOs) that track downline agents and their business | Property and casualty: certificates and a loss runs module for commercial accounts, personal lines quoting through rater integrations; broker and wholesaler functionality and online MGA integration are listed in the plans |
| Comparative rating and quoting | AMS+ connects to Medicare, ACA and benefits quoting and enrollment platforms such as SunFire, ConnectureDRX, Lead Advantage Pro, HealthSherpa and Employee Navigator. Quote+, a separate solution, shops small group medically underwritten, level-funded, community rated, ACA and ancillary quotes from multiple carriers and builds benefit proposals. | Integrations with outside comparative raters, named as TurboRater and Applied, for personal lines quotes from one application; a quote form for the agency website feeds prospects into NowCerts |
| Carrier downloads and connectivity | Commissions+ imports carrier commission data for processing, and Quote+ fills carrier-specific forms and submits enrollment forms to multiple carriers at once | Automated policy updates from carrier databases through IVANS, which the vendor says covers downloads from over 250 carriers, and Ebix TEAM-UP; eServicing access to carrier portals is listed in the plans |
| Sales pipeline and renewals | Personalized lead dashboards and pipeline management, lead import and lead vendor integration, lead forms and automated lead workflows, with automated lead assignment and routing from the Accelerate package; renewal dates are tracked with automations that alert policyholders and agents of record | Sales pipeline management with prospect tracking and CRM automation campaigns, a renewal center with reminders before renewal, and automated pending-cancellation messages to customers |
| Commissions and agency accounting | Commissions+ add-on: imports carrier data, builds rate tables and payee schedules, tracks bonuses, advances and overrides, generates agent statements, identifies missed carrier commissions and produces commission and financial reports | Tracking of agency and agent commissions, agency fees and carrier fees, commission reconciliation, billing and accounting with invoices, receipts and refunds, and a QuickBooks integration |
| Client portal and certificates | Not stated | Insured portal where clients view policy details, issue their own certificates, request policy changes, pay and sign documents; the vendor states portal accounts and certificates sent through the system carry no extra charge |
| Compliance records and audit trail | Scope of Appointment, ACA Consent to Contact and ACA Attestations are sent, signed and stored in AMS+ with the status of each document tracked; the Elevate package adds VoIP with call recording and storage, and signed forms, recordings, notes and correspondence are tied to each policy as an audit trail | Every policy change is recorded as an endorsement, and notes and reminders are kept per agency, customer or agent |
| Reports and exports | Real-time graphs and charts, pre-built industry reports on in-force policies, policy adds and terms, business growth and client churn, and a Custom Report builder whose reports can be saved and rerun | Over 40 prepared reports with filters, custom and scheduled reports, a customizable user dashboard and data export to Excel |
| Integrations and API | Open API, Zapier integration, lead post vendor integration, Microsoft Outlook sync, Google Workspace and Gmail email integration and email forwarding | Developer REST API, Zapier, Twilio for texting, QuickBooks, Outlook and Google email and calendar, OneDrive and SharePoint, telephony and lead generator integrations |
| AI features | stated Yes | No |
| Deployment | Cloud (SaaS) | Cloud (SaaS) |
| Support | Not stated | Email helpdesk, Phone |
| Onboarding | Documentation and knowledge base, Guided onboarding | Documentation and knowledge base, Guided onboarding |
| Company size | more entries Freelancers, Small and mid-sized, Enterprise | Freelancers, Small and mid-sized |
| Integrations | more entries SunFire, ConnectureDRX, Lead Advantage Pro, HealthSherpa, SimplyEnroll, RetireFlo, Employee Navigator, Ease, Zapier, Microsoft Outlook, Gmail, NextGen Leads, AgentMethods | IVANS, Ebix TEAM-UP, TurboRater, Applied, QuickBooks, Zapier, Twilio, Microsoft Outlook, Google G Suite, Microsoft OneDrive, Microsoft SharePoint |
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Adds a column to the table, from the tools in this category.
Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- Starting price AgencyBloc From $109 / user / month NowCerts From $99 / month
- Free trial AgencyBloc 7-day free trial NowCerts 30-day free trial
- Company size AgencyBloc Freelancers, Small and mid-sized, Enterprise NowCerts Freelancers, Small and mid-sized
- Hosting AgencyBloc Cloud; the vendor states its solutions run on HIPAA-compliant AWS servers NowCerts Cloud-based, used in a browser
- AI features AgencyBloc Yes NowCerts No
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
AgencyBloc
Strengths
- Published package prices, from $109 per user per month for AMS+ Grow
- Scope of Appointment, ACA consent and attestation forms sent, signed and stored inside the system
- Uplines such as GAs, IMOs and FMOs can track downline agents, policies and commissions
- 7-day free trial
Limitations
- Commissions+, Engage+ and Quote+ are separate solutions without a published price
- Built for health, benefits, senior and life lines; property and casualty is not among the lines the vendor names
- Several AgencyBloc Intelligence features are labelled alpha or beta
- VoIP and call recording only in the top Elevate package
NowCerts
Strengths
- Published monthly plans from $99, with a 30-day free trial
- Insured portal where clients issue their own certificates, request changes and pay
- Carrier downloads through IVANS, which the vendor puts at over 250 carriers
- Tracks agency and agent commissions, fees and carrier fees, with reconciliation
Limitations
- The vendor site describes quoting only through integrations with outside raters
- Enterprise plan price not published
- The pricing table and the FAQ on the vendor site give different prices for an additional user
Plans
Pricing
AgencyBloc
- AMS+ Grow $109 Per user per month. Health, senior and benefits CRM, basic servicing and lead workflows, SOA and ACA compliance forms, email marketing and quoting and enrollment integrations.
- AMS+ Accelerate $139 Per month as listed. Adds premium workflows, automated lead assignment and routing, Rx Collect and RetireFlo intake.
- AMS+ Elevate $169 Per month as listed. Adds integrated VoIP, call queues for leads and call recording.
- Enterprise Not stated Custom pricing and packages for IMOs, FMOs, GAs and large agencies, on request.
NowCerts
- Essentials $99 Per month, 1 user included.
- Professional $169 Per month, 2 users included.
- Business $349 Per month, 5 users included.
- Enterprise Not stated For 50+ users; price on request.
What users say
Review Scores · opens after launch
AgencyBloc
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
NowCerts
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
How we check reviews
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Where this comes from
Where this comes from
AgencyBloc https://www.agencybloc.com/ · checked against the official source on 2026-11-06
NowCerts https://www.nowcerts.com/ · checked against the official source on 2026-11-05
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.