Insurance agencies
Power dialer for a 3-person insurance agency
Last updated 27 August 2026
Short answer
A 3-person insurance agency on DialSheet pays $29 a month for software (1 three-seat packs at $29) plus roughly $67 of usage billed by its own Twilio account — about $96 a month all in, or $1,152 a year, which works out at $0.008 per dial across roughly 12,600 dials a month. The same 3 seats on Dialpad cost about $45 a month in licence fees alone, before telephony.
Insurance agencies buy leads in bulk and dial them for months, so the software cost per dial compounds against every lead purchased. DialSheet is free up to 500 leads and $29/month per three-seat pack after, with talk time at roughly $0.014 a minute through your own Twilio. A ten-agent agency costs $116 a month in software plus about $100 in telephony — roughly a twentieth of what ten seats cost on a $150-per-user platform.
Proof from production: An insurance agency runs 1,000 calls a month, retained month over month — measured account data for a US independent insurance agency.
The numbers for 3 reps
- Software, per month
- $29 (1 × 3-seat pack)
- Twilio, per month
- ≈ $67
- All-in monthly
- ≈ $96
- All-in yearly
- ≈ $1,152
- Dials per month
- 12,600
- Cost per dial
- $0.008
Assumes 200 dials per rep per working day, a 9% connect rate and 4-minute average conversations over 21 working days — working estimates for insurance agents on a power dialer, not a quote. Telephony is billed to your own Twilio account at ~$0.014/min plus ~$1.15/month per number.
Why the usual dialers misprice insurance agents
The quoted-not-closed list is the most valuable asset most agencies own and the least systematically worked, because the tooling to call it repeatedly is priced per seat as though every agent dials full time.
What 3 seats costs elsewhere
List prices as of August 2026 for the tools a small insurance agency actually shortlists. Per-user figures are approximate and several vendors quote rather than publish.
| Tool | Per user | 3 seats/mo | Trade-off |
|---|---|---|---|
| DialSheet | $9.67 effective | $29 | you connect your own Twilio and pay carrier rates |
| Dialpad | ~$15–25/user/mo | $45–$75 | built as a phone system first — the sales dialer sits in higher tiers |
| JustCall | ~$19–89/user/mo (annual) | $57–$267 | the dialer is gated above the entry plan, and the team tiers carry a two-user minimum |
| RingCentral | ~$20–45/user/mo | $60–$135 | a business phone system rather than an outbound sales dialer |
| CallHub | ~$25+/user/mo plus usage | $75–$150 | credit-based billing on top of the seat makes the real cost hard to predict |
| Aircall | ~$30–50/user/mo | $90–$150 | seat minimums apply and the power dialer needs the Professional tier |
Against Dialpad at list price, a 3-seat insurance agency on DialSheet Pro saves roughly $192 a year in software — about 2× the licence cost — before adding your Twilio usage of roughly $804 annually.
How insurance agents actually run it
The list is aged leads, live transfers and quote respondents; the scoreboard is policies written. This is the loop between them.
01Work aged leads on a schedule, not a whim
Tag by lead vintage and source at import, then filter to the cohort due for another attempt. Every prior dial and note stays on the record so attempt seven knows what attempt three learned.
02Chase quoted-not-closed properly
Tag every quote with its date and premium, filter to unclosed quotes older than a week, and dial them as a standing session. It is the highest-conversion list in the building and almost nobody works it systematically.
03Cross-sell the existing book
Existing customers are tags and filters over the same database — auto customers without home, home without umbrella. One system covers new business and book growth.
Consumer calling with an insurance layer on top
Insurance sales calls to households sit under the TCPA and the Do Not Call Registry with state registries and calling-hour rules, and state insurance departments add their own advertising and solicitation requirements. Health and Medicare products carry additional federal rules. DialSheet keeps an internal DNC suppression list. Orientation only — verify current federal, state and product-specific requirements.
Questions insurance agents ask
What does a dialer cost for an insurance agency?
A ten-agent agency is $116 a month on DialSheet — four three-seat packs at $29 — plus roughly $100 of Twilio usage at 200 dials per agent per day. Ten seats at $149 a user is $1,490 a month.
Can we work aged leads over many months?
Yes, and it is what the disposition and tagging system is designed for: permanent per-record history, tags by vintage and source, and filters that exclude dead outcomes so each session is only live records.
Is call recording included?
Yes, recording is on by default and files are stored in your own Twilio account. Pro adds transcription, AI call summaries and script-compliance scoring.
Can agents have their own phone numbers?
Yes. Numbers are bought through your own Twilio at about $1.15 a month and can be assigned per agent, so callbacks reach the agent who made the call.
Start dialing free
500 leads and 1 seats at no cost, on your own Twilio account. Pro is $29 a month per 3-seat pack when you outgrow it — never priced per user.
Other insurance agency team sizes
- Dialers for insurance agenciesthe trade overview, any team size
- insurance agency with 10 reps$116/mo software
- insurance agency with 25 reps$261/mo software
- insurance agency with 50 reps$493/mo software
Compare against what you use now
- DialSheet vs Dialpad~$15–25/user/mo · per-seat
- DialSheet vs JustCall~$19–89/user/mo (annual) · per-seat
- DialSheet vs RingCentral~$20–45/user/mo · per-seat
- DialSheet vs CallHub~$25+/user/mo plus usage · per-seat plus credits
Similar trades
- Final expense insuranceAgents calling direct-mail and aged leads to place small whole-life policies.
- Medicare agentsAgents working Medicare Advantage and supplement leads around the enrollment calendar.
- Debt settlement & credit repairConsultants calling consumers carrying unsecured debt into enrollment.
- Financial advisorsAdvisors prospecting for assets and booking discovery meetings.
Guides worth reading next
- What a power dialer actually costs2026 price survey across 10+ tools
- Twilio cold calling costthe wholesale maths behind these numbers
- DNC and TCPA basicsthe regime consumer dialing sits under
- Warming up a new numberkeeping answer rates up as volume climbs
- Cold call script templatesscripts new reps can follow on screen
- Setup tutorialsTwilio connection, importing, first call
Looking for the full breakdown for this trade? Read the complete insurance agencies guide.