The compliance-first growth platform for insurance agents, agencies and IMOs.
CRM, automation, AI coaching and IUL illustration explainers in one place, with a rules-based compliance engine that records consent and disclosures as you work.
Card required · cancel before day 8 and pay nothing
- Consent on file (SMS, marketing)
- Not opted out or suppressed
- Quiet hours: 7:42 pm recipient time
- Frequency cap: within daily limit
- Content: no unresolved merge fields
- 21compliance knowledge domains behind the rules engine
- 51violation codes the deterministic engine can raise
- Hash-chainedaudit ledger: editing or deleting a row breaks verification
- Every messageemail and SMS checked for consent, opt-out and quiet hours before sending
Growth tools weren't built for regulated selling.
Agents are asked to move fast and keep a clean record at the same time. Most stacks make you choose.
Scattered tools
Leads in one app, texts in another, training in a third. Nobody can see the whole client history, and follow-up slips between the gaps.
Consent risk on every text
The TCPA allows statutory damages of $500 per unlawful call or text, and up to $1,500 when the violation is willful. Sending without a consent record is a risk you carry per message.
Inconsistent illustration explanations
Two agents can explain the same IUL illustration very differently. Clients deserve a consistent, plain-language walk-through of what the carrier's illustration actually shows.
No audit trail
When a carrier, regulator or client asks what was sent and why, screenshots and memory are not a record.
One platform, with compliance in the middle.
From the first form fill to the audit record, every stage runs through the same consent records and rules.
- Consent & Compliance (at the centre)Consent records, rules engine, review queue, disclosures. Every stage below passes through it.
- 1. CaptureFunnels, website chat, lead forms
- 2. NurtureSequences, campaigns, automation
- 3. Sell & IllustratePipeline, pitch builder, IUL explainers
- 4. CoachRoleplay with per-turn feedback
- 5. AuditHash-chained ledger, exports
Sell. Stay compliant. Scale teams.
Sell
Capture leads and work them from first touch to issued policy.
- Insurance CRM with an 8-stage pipeline, from new lead to closed policy
- Funnels and landing pages with website chat and lead-form embeds
- Speed-to-lead flags: a hot lead with no outbound contact after 10 minutes becomes a task
Stay compliant
Rules that run before content goes out, and a record of what happened.
- Deterministic rules screen AI output and campaigns before they send
- Review queue for flagged content, with versioned disclosures added automatically
- Append-only, hash-chained audit ledger with plan-based retention
Scale teams
Onboard, coach and route work across a team without losing oversight.
- AI coaching roleplay with feedback on every response
- Manager views: compliance dashboard and team scorecards (Beta)
- Lead routing, plus producer readiness checks for licenses and E&O (Beta)
How a message gets through the gate.
Every outbound email and SMS resolves its permission in one place, in a fixed order, and the decision is logged whether the message was allowed or refused. The gate provides workflow controls; it is not legal advice and does not replace your compliance review.
Explore the compliance engine- 1
Consent
Marketing messages need a verified consent record for that channel and address, plus a published campaign or automation that authorizes the send.
- 2
Opt-out and suppression
A STOP or unsubscribe blocks every message to that address, whatever the reason for sending. This check runs first.
- 3
Quiet hours
Sends are held outside 8am–8pm in the recipient's own timezone. With no stored timezone it falls back to their state, and defaults to Pacific time.
- 4
Frequency cap
Daily and weekly caps per contact stop a lead from being flooded by overlapping campaigns.
- 5
Content rules
Campaigns and AI drafts pass the deterministic rules engine first. At send time, unresolved merge fields and leaked AI prompt text are refused.
- 6
Logged
Every decision, allowed or blocked, is written to the touch ledger with the reason, the consent record and the campaign that authorized it.
Built for how you sell.
Pick the role closest to yours to see what you get and where to start.
Follow up fast without worrying about who you're allowed to text.
- CRM with a 9-stage insurance pipeline and speed-to-lead flags
- Unlimited funnels, website chat and appointment booking
- AI coaching roleplay with feedback on every response
- Consent, opt-out and quiet-hours checks before every email and SMS
Run a team on one system, with a record of what went out and why.
- Team management with role-based access
- Intelligent lead routing and commission tracking
- Compliance dashboard and a review queue for flagged content
- Team scorecards (Beta) and unlimited coaching for every seat
Give downline agents one governed platform under your brand.
- IUL Illustration Engine for consistent illustration explanations
- Custom branding / white label (Beta)
- The highest AI, email and SMS allowances
- A hash-chained audit ledger on the longest audit-log retention tier
Click through each module to see how CoverAgent works, from lead management to compliance review. Screens show sample data.
Explore the platform
Active Policies
142
+8%
Pipeline Value
$284K
+12%
Close Rate
34%
+5%
Compliance
98%
Pipeline This Month
Compliance
Recent Activity
Know Your Business at a Glance
- Real-time KPIs: policies, revenue, pipeline value
- Compliance health indicator across all modules
- AI coaching progress and team performance
- Upcoming tasks, renewals, and appointments
Will it pay for itself?
Plug in your own leads, close rate, commission and tool spend in the ROI calculator.
Open the ROI calculator- Pro plan, one quarter
- $297
- Assumed: 1 extra policy a quarter at $800 commission
- $800
Both inputs are assumptions chosen to show the maths. They are not typical results and not a promise; your numbers will differ.
What we do today, and what we haven't done yet.
- Encryption in transit and at rest; stored email and SMS credentials encrypted with AES-256-GCM
- Role-based access for owners, admins and agents
- Hash-chained audit ledger for compliance-relevant actions
- We do not fine-tune AI models on your data
SOC 2 status
SOC 2: not yet audited. A readiness program is in progress and no auditor has been engaged. We make no SOC 2 attestation claim until an independent audit is complete.
Early, honest, and built with agents.
Built with licensed agents
CoverAgent AI is operated by Everest Wealth Builder LLC (Annapurna Insurance Solutions), a licensed insurance agency, NPN 21571071. The platform is shaped by the day-to-day work of licensed agents: consent, disclosures, illustrations and follow-up.
About CoverAgentDesign partner program
We're working with a small group of agencies and IMOs who want a say in the roadmap. No testimonials, no logos: just early access and a direct line to the team building it.
Apply to be a design partnerPlans from $39/month.
Starter, Pro and Agency start with a 7-day trial. Card required · cancel before day 8 and pay nothing. Annual billing costs 10 months' price for 12.
Starter
Solo agents getting started.
Start 7-day trial- CRM with 9-stage insurance pipeline
- 2 funnels
- 300 AI credits/mo
- 2,000 emails/mo
- Website chat + lead form embeds
- Appointment booking (Google + Outlook)
Pro
Growing agents scaling operations.
Start 7-day trial- Everything in Starter
- Unlimited funnels
- 1,000 AI credits/mo
- Unlimited AI coaching sessions
- Email + SMS campaigns
- Social publishing (5 platforms)
- Nurture sequences + automation builder
Agency
Agencies managing teams.
Start 7-day trial- Everything in Pro
- 5,000 AI credits/mo
- Intelligent lead routing
- Commission tracking
- Compliance dashboard
- Team scorecards (Beta)
- Extra seats $20/mo each
Enterprise
Large agencies & IMOs.
Talk to sales- Everything in Agency
- 20,000 AI credits/mo
- IUL Illustration Engine included
- Custom branding / white label (Beta)
- Unlimited SMS and website chat
- 250,000 emails/mo
Common questions
Yes. A payment card is required to start the 7-day trial on Starter, Pro or Agency, and nothing is charged during those 7 days. Unless you cancel before day 8, your card is charged automatically on day 8 for the plan you chose, and the subscription then renews monthly or annually until you cancel. During the trial you get Pro-level access with reduced usage limits. One trial per person.
Any time, online, from Settings → Billing, which opens the Stripe customer portal. Cancellation takes effect at the end of the current billing period and you keep access until then. Monthly fees are not refunded; annual plans are refundable within the first 30 days.
You can export reports and compliance records as CSV or PDF from the portal. Audit-log export is in Beta. A full self-service export of every record is not built yet, so contact support if you need a complete export.
No. CoverAgent provides workflow controls: consent tracking, rule-based content screening, review queues, disclosures and audit logs. It does not replace your compliance team, your carriers' requirements or legal counsel, and you remain responsible for what you send.
No. CoverAgent has not completed a SOC 2 audit. A readiness program is in progress and no auditor has been engaged yet. See the security page for the controls we do have today.
Not yet. SSO/SAML is on the roadmap but not built, so it is not included in any plan today. Sign-in is by email and password or Google.
See it on your own pipeline.
Start a 7-day trial on a self-serve plan, or book a demo and we'll walk your team through consent, compliance and the IUL engine.
Card required · cancel before day 8 and pay nothing