If you're shopping for an insurance CRM, you've probably narrowed your list to a few names. We're going to be direct about how Closd compares to the other major options because we think the insurance industry deserves more transparency about what these platforms actually do and what they cost at scale.
We're obviously biased. We built Closd. But we're going to be fair about what the other platforms do well, because they each serve a real purpose for specific types of agencies. Let's break it down.
AgencyBloc is the incumbent. It's been around since 2008, and it's built primarily for health and life insurance agencies. The platform is solid for commission tracking, policy management, and carrier integrations. Their reporting is genuinely good, especially if you're in the health insurance space and need ACA-specific features.
Pricing is where AgencyBloc gets expensive. Their model is per-user, starting around $75 per user per month on their base plan. For a 10-agent agency, you're looking at roughly $1,090 per month when you factor in the platform fee plus per-user costs. For 25 agents, it's closer to $2,500 per month.
What AgencyBloc does well: commission tracking is mature and handles complex commission structures (overrides, hierarchies, etc.) better than most. Carrier data integrations are extensive. Compliance tracking is thorough.
What it lacks: there's no AI functionality whatsoever. No automated lead follow-up, no payment recovery calling, no sales coaching. No recruiting pipeline. No white-label option. It's a traditional CRM with traditional limitations. If you want automation, you'll need to integrate third-party tools, which adds cost and complexity.
AgencyBloc is best for: established health insurance agencies that need deep commission tracking and compliance features, and don't mind paying premium prices for a proven system. If you're primarily in ACA enrollment and need those specific integrations, AgencyBloc is worth considering.
Radiusbob is a more affordable option that's popular with smaller agencies and individual agents. It's built as an all-in-one CRM with a built-in dialer, email marketing, and basic automation workflows.
Pricing starts around $54 per month for a solo agent and scales to roughly $310 per month for a 10-agent team (their Enterprise plan). It's more affordable than AgencyBloc, but the feature set is also simpler.
What Radiusbob does well: the built-in dialer is genuinely useful if you're doing manual outbound calling. The workflow automation, while basic, covers common scenarios like drip campaigns and follow-up reminders. For solo agents or very small teams, it's a decent all-in-one tool at a reasonable price.
What it lacks: the platform feels dated in terms of UX. The automation is rule-based and limited compared to AI-driven approaches. No AI calling, no AI payment recovery, no sales coaching. Commission tracking exists but isn't as sophisticated as AgencyBloc. No recruiting pipeline. Limited reporting.
Radiusbob is best for: solo agents or small teams (under five people) who want a simple, affordable CRM with a built-in dialer. If your needs are basic and your budget is tight, Radiusbob gets the job done.
Agent CRM is a white-label of GoHighLevel, which is a general-purpose marketing platform. It's been customized for insurance agents, which means it has a lot of marketing features: landing pages, funnels, email and SMS campaigns, appointment booking, and a pipeline CRM.
Pricing is around $97 per month per user. For a 10-agent team, you're at approximately $970 per month.
What Agent CRM does well: marketing automation is its strength. If you want to build landing pages, run drip campaigns, and manage a sales funnel, it has solid tools for that. The GoHighLevel engine underneath is capable and flexible.
What it lacks: it's a marketing tool with a CRM bolted on, not an insurance-specific platform. Policy management is basic. Commission tracking is minimal. There's no AI calling for leads or payment recovery. No book of business management. No insurance-specific analytics. Because it's a GoHighLevel white-label, you're also dependent on GoHighLevel's infrastructure and pricing decisions.
Agent CRM is best for: agents or agencies that prioritize marketing and lead generation over policy management. If your main challenge is building funnels and running campaigns, and you're okay managing policies elsewhere, Agent CRM (or just plain GoHighLevel) gives you strong marketing tools.
Now, Closd. Here's where we'll try to be both honest and specific.
Closd costs $299 per month for the Agency plan, which includes up to 25 users. That's a flat rate, not per-seat. For a 10-agent team, you're paying $299 total. For 25 agents, still $299. We also have a Solo plan at $99 per month for individual agents.
Let me put the pricing side by side for a 10-agent team:
Closd: $299/month. AgencyBloc: roughly $1,090/month. Radiusbob: roughly $310/month. Agent CRM: roughly $970/month.
At 25 agents, the gap widens dramatically. Closd stays at $299. AgencyBloc goes to roughly $2,500. Agent CRM goes to roughly $2,425. Radiusbob doesn't cleanly scale to that size without custom pricing.
Per-seat pricing is one of the most expensive decisions an agency owner makes, and most don't realize it until they've scaled past 10 agents. Every new hire becomes more expensive, not just in salary and training, but in tool costs. Flat-rate pricing means your cost per agent actually decreases as you grow.
What Closd does that nobody else does:
AI appointment setting (FirstTouch): calls leads within minutes, has a natural conversation, books appointments on your calendar. No other insurance CRM has this.
AI payment recovery (GuardBot): monitors for payment failures, contacts clients via text and voice call, follows up autonomously until resolved. No other insurance CRM has this.
AI sales coaching (PitchLab): lets agents practice sales conversations with an AI prospect that gives real-time feedback. No other insurance CRM has this.
Recruiting pipeline: built-in tools for posting to job boards, tracking applicants, automating recruiting outreach, and managing onboarding. None of the competitors offer this.
White-label: agencies can brand the platform as their own. Available on the Agency plan at no additional cost.
Where Closd is still catching up: our carrier integrations aren't as extensive as AgencyBloc's yet. We're adding carriers monthly, but if you're with a niche carrier, they may have it and we may not. Our commission tracking handles standard structures well, but complex multi-tier overrides across large hierarchies is an area where AgencyBloc has more maturity.
We're also newer. AgencyBloc has 18 years of battle-testing. Radiusbob has been around for over a decade. We've been live since late 2025. That matters to some agencies, and we understand why.
Our honest recommendation: if you're a solo agent who just needs basic CRM and dialer, Radiusbob is fine. If you're a large health insurance agency with complex commission structures and you don't care about AI features, AgencyBloc is proven. If you're primarily a marketing-driven operation, Agent CRM gives you strong funnel tools.
But if you're an agency that wants AI-powered lead follow-up, automated payment recovery, sales coaching, recruiting tools, and a CRM in one platform at a flat rate that doesn't punish you for growing, Closd is the only option that does all of that. We built it because it's the platform we needed and couldn't find anywhere else.