Ashley now answers your inbound calls

Every lead worked.Every policy tracked.

The first CRM that automates life insurance sales with AI. From AI qualified, booked, and transferred conversations, to automating your book of business and organization hierarchy.

14-day free trial · Cancel anytime

app.powerpolicies.com / Dashboard
TodayLast 7dMTDLast 90dAll campaigns
Appointments booked
128+3.2%
Live transfers
47+6.0%
Time saved by AI
86h 20m+15.3%
68%PD pickuprate
22%PD pickup— close
31%PD pickup— appt
Premium vs last monthMTD
Activity by hourToday
Call breakdown
18%
  • Completed512
  • No answer / VM348
  • Appt set118
  • Transfer86

Built for life insurance agencies. 500+ licensed agents across 50 states.

  • Aged leads
  • SMS and email AI
  • Power dialer
  • AI booking
  • Carrier statements
  • Policy book
  • A2P compliant

2,500

AI calls per day, per agent

28s

Average speed to lead

$2.9M+

Sales generated through Power Policies*

500+

Agents on Power Policies

Platform

The sales floor that never clocks out. Picks up new leads in 28 seconds. Books them, dials them on three lines, and tracks every policy and every dollar of the hierarchy behind them.

Booked straight onto the right calendar. Ashley checks availability, sets the slot, and confirms by text.

Calendar · Marcus Reed · this week
4 set by Ashley
Mon 13

Team standup

9:00 AM

Tue 14

Linda P. · final expense

3:30 PM · set by Ashley

Follow-up · R. Boyd

5:15 PM

Wed 15

James K. · veteran

10:00 AM · set by Ashley

Thu 16

Denise W. · mortgage

1:00 PM · set by Ashley

Carrier call

4:00 PM

Fri 17

Paul H. · final expense

11:30 AM · set by Ashley

Linda P. · final expense — Tue 3:30 PM

Synced

Appointment notes: prefers afternoon · husband joining the call

View Voice AI historyView SMS AI history

Triple your dials without touching a keypad. MLPD runs three lines at once, eats the voicemails and dead numbers, and drops you into live conversations only.

Dial session3 linesLiveRecording
MuteHoldKeypadEnd
Line 1Ringing

James K.

Callback owed
Line 2Connected

Denise W.

Live audio

+ Open slot

Dialing next...

This call is being recorded
Why they’re calling

final expense — wants ~$25K coverage · beneficiary: daughter · budget $60/mo

InterestedAppointment BookedSoldNeeds Follow Up
Submit & Call Next →

67dials this session

14conversations

4appointments

Your whole hierarchy, every dollar, every risk. Production rolls up the team tree live. Persistency, rollup debt, and every policy tracked to the carrier statement.

Back Office · Team tree · production rollup
MTD

Marcus Reed

owner
Personal

$12,400

Hierarchy

$122,530

Volume

100%

S. Whitfield

manager
Personal

$8,210

Hierarchy

$61,940

Volume

50.5%

D. Alvarez

manager
Personal

$9,760

Hierarchy

$48,210

Volume

39.3%

J. Kim

agent
Personal

$17,890

Hierarchy

$17,890

Volume

14.6%

R. Boyd

agent
Personal

$9,340

Hierarchy

$9,340

Volume

7.6%

T. Nguyen

agent
Personal

$12,480

Hierarchy

$12,480

Volume

10.2%

Rollup debt
  • S. Whitfield$3,120
  • T. Nguyen$9,645
  • D. Alvarez$0

Chargebacks netted against rollup, per statement

Persistency · 13-month
  • Carrier A91.2%
  • Carrier B88.7%
  • Carrier C76.4%
Policy tracker
  • Linda P. · Carrier AIn force
  • R. Boyd · Carrier CPending
  • M. Ortiz · Carrier BLapsed

Book of business: $1.24M in force · 842 policies

Sales AI

Voice, SMS, email, MLPD, drips, lifecycle campaigns, and compliance — the whole front office.

Explore Sales AI ›

Back Office AI

Statements, commissions, persistency, policies, and the tree — reconciled without a spreadsheet.

Explore Back Office AI ›

Built only for life insurance.

Final expense, IUL, mortgage protection, veterans, whole life. Every workflow assumes you write policies.

Setup, done for you.

Numbers registered, AI configured, hierarchy imported. Most agencies run their first campaign within 20 minutes.

One tool. One bill.

Stop paying for a CRM, a dialer, a commission tracker, a VA, and an AI add-on. One subscription, one login.

Sales AI

Your leads, workedto the end.

Ashley answers, qualifies, books, and transfers. MLDP triples your manual dials. Nothing your agency owns sits untouched.

Inbound call · (415) 336-0112 · answered in 2 rings
Live transfer
  1. Ashley · AI0:02

    Thanks for calling the life insurance office, this is Ashley. Are you calling about the final expense information we sent over?

  2. Caller0:11

    Yeah, I got a letter. I want to know what it would cost for me and my wife.

  3. Ashley · AI0:19

    Happy to help with both of you. I have a licensed agent free right now, can I bring him on the line while I pull up your info?

Transferred to Marcus · 0:31Recorded + Transcribed

2,500

AI calls per day, per agent

17,880

Concurrent outbound conversations, all live

$5,000+

Added monthly production, average

500+

Agents on Power Policies

Every reply handled like your best closer wrote it. Voice, SMS, and email, one brain. On the record, every time.

Ashley keeps context, asks the next question, and moves the lead toward a booked appointment.

Ashley inbox · live lead
Live reply
Lead

Who is this?

Ashley

Hi Linda, it’s Ashley with the life insurance office. You requested final expense info last week. Do you have 2 minutes today?

Lead

How much is it a month?

Ashley

Most folks are between $40 and $80 a month. A licensed agent has 3:30 or 5:15 open today for exact numbers. Which works better?

Leads email back. The AI answers and books. It reads the reply, answers the question, and offers times, then books to your calendar. Take over any thread with one toggle.

Email Inbox
AI on
Email12 total
  • Diane W.

    Re: Final expense cove...

  • Robert M.

    Quote for my wife and me

  • Karen S.

    Thanks, see you Thursday

Diane W.

diane.w@example.com

AI AI On

Diane W. 9:41 AM

Re: Final expense coverage

Does this cover my husband too? And what happens if I miss a payment?

Ashley · AI 9:43 AM

Re: Final expense coverage

Yes, one policy each covers you both, and there’s a 30-day grace period on payments so coverage doesn’t lapse. A licensed agent can go over exact rates with you. Would tomorrow at 10:15 AM or 2:30 PM work better?

Tomorrow · 10:15 AM · added to Marcus’s cal...Appointment booked

A campaign takes four decisions. Audience, agent, schedule, numbers. Ashley handles the other ten thousand.

Campaigns · New voice campaign
Draft

Audience

Final expense · aged 30-90 days · 412 leads

Edit

Agent

Ashley · Final Expense persona · objection pack on

Final expenseVeteranMortgageIULTruckerBeneficiary
Edit

Schedule

Mon–Sat · 9:00a–7:00p lead local time · TCPA windows enforced

Edit

Caller IDs

3 numbers rotating · health all clean

Edit

Est. 3–4 days to first pass · pauses itself if pickup drops

Launch campaign

Booked straight onto the right calendar. Ashley checks availability, sets the slot, and confirms by text.

Calendar · Marcus Reed · this week
4 set by Ashley

Mon 13

Team standup

9:00 AM

Tue 14

Linda P. · final expense

3:30 PM · set by Ashley

Follow-up · R. Boyd

5:15 PM

Wed 15

James K. · veteran

10:00 AM · set by Ashley

Thu 16

Denise W. · mortgage

1:00 PM · set by Ashley

Carrier call

4:00 PM

Fri 17

Paul H. · final expense

11:30 AM · set by Ashley

Triple your dials without touching a keypad. MLPD runs three lines at once and drops you into live conversations only.

MLPD · live dialer
Live
Dial session3 linesLiveRecording
MuteHoldKeypadEnd
Line 1Ringing

Robert M.

Callback owed
Line 2Connected

Karen S.

◁)) Live audio

+ Open slot

Dialing next...

This call is being recorded
Why they’re calling

IUL — wants ~$400K coverage · beneficiary: spouse · budget $220/mo

InterestedAppointment BookedSoldNeeds Follow Up
Submit & Call Next →

82dials this session

19conversations

6appointments

Campaigns that never forget. SMS, voice, and email steps fire on schedule until the lead answers or opts out.

Drip campaign · Aged final expense · 173 enrolled
Active
SMSDay 0 · Intro text, replies handled by Ashley
98% delivered
VOICEDay 1 · AI call, books or transfers live
61% reached
EMAILDay 2 · Email recap, replies handled by Ashley
47% opened
SMSDay 3 · Objection follow-up, price framing
24 replies

24replies

9appointments

3live transfers

Email drips by product type. Sequences send from your own verified domain on the same path leads ask about. Working every lead for days.

Email Campaigns · New Email Campaign
Final expense
SettingsStepsEnrollmentsStatsEmails this month 412 / 2,000 included

Blocks

Drag onto the canvas

  • TText
  • HHeading
  • Image
  • Button
  • Divider
  • Spacer
  • Columns
  • Signature
  • Social
  • { }Merge tag

Start from template 4

Your final expense quote is ready

Hi {{firstName}} , thanks for requesting information on final expense coverage. Here’s the plan summary we put together for you.

Image
Get my quote

Marcus Reed

Licensed Agent · youragency.com

Button

Call-to-action link

Content

Button text

Get my quote

Link URL

youragency.com/quote( )

Style

Alignment

Button color

#005ba8

Corner radius

8px

Worked past the Sold, automatically. Customer care, chargeback win-back, and beneficiary referrals enroll themselves. Every close seeds new leads.

Pipeline · lifecycle campaigns
Auto-enroll

Customer care

New Sold policies

47 active

Beneficiary referral

Beneficiary outreach

24 active

Chargeback

Win-back follow-up

8 active

Appointment reminder

Booked this week

19 active

No show

Re-engagement

6 active

Emergency contact

Secondary outreach

11 active

AI memory active across 437 ongoing conversations

Every call recorded, transcribed, summarized. Disposition and next step synced to the lead automatically. Train on the calls that actually closed.

Call · Linda P. · 4m 12s
Appt set

AI Summary

Linda asked about monthly cost and coverage for her husband. Price framed at $40-$80/mo. Objection: “need to talk to my daughter” resolved with a 3-way option. Appointment set for 3:30 PM with Marcus. Sentiment: warm.

Disposition · Appt setFinal expenseRecording + Transcript

Compliant out of the box. FTC, TCR, and TCPA across all 50 states. Opt-outs and DNC handled. Numbers monitored for spam flags.

Trust center · compliance & phone health
All clear
TCPA ✓TCR ✓FTC ✓Opt-outs autoDNC auto

(415) 336-0112 · spam score 0 · 412 calls this week

Healthy

(628) 200-4471 · carrier flag detected → rotated out automatically

Rotated

(415) 771-0090 · spam score 0 · 388 calls this week

Healthy

Numbers monitored daily. Flags handled before they cost you pickups.

See every safeguard, and how it’s enforced →

Back Office AI

The back office that runs itself.

Carrier statements parsed by AI. Production rolled up the team tree. Debt, persistency, and every policy tracked without a spreadsheet.

Back Office · Team tree · production rollup
MTD

Marcus Reed

owner
Personal

$12,400

Hierarchy

$122,530

Volume

100%

S. Whitfield

manager
Personal

$8,210

Hierarchy

$61,940

Volume

50.5%

D. Alvarez

manager
Personal

$9,760

Hierarchy

$48,210

Volume

39.3%

J. Kim

agent
Personal

$17,890

Hierarchy

$17,890

Volume

14.6%

R. Boyd

agent
Personal

$9,340

Hierarchy

$9,340

Volume

7.6%

T. Nguyen

agent
Personal

$12,480

Hierarchy

$12,480

Volume

10.2%

Book of business tracking

Every policy, status, and premium in one live book. No spreadsheet.

Commission and debt tracking

Carrier statements parsed by AI: earned, advanced, and owed reconciled.

Hierarchy and roll-up risk management

Production rolls up your team tree, with debt and flight-risk visibility.

Comp plan and bonus progress tracking

Comp ladders and bonus progress tracked as production lands.

Know what’s actually happening, every day. Production, carriers, and managers ranked every morning.

No month-end surprises.

Performance · YTD
Owner view

Team YTD sold

$682,037

+42.8% vs prior

Commission paid

$1.23M

Matched to statements

Top producers

  • Alex Rivera
  • Michael Williams
  • Andrew Lee

$232.3K

$105.0K

$53.5K

Statements in. Truth out. AI parses every carrier statement and matches every dollar to the right agent.

Monthly commission files become searchable, reconciled records.

Commissions
Owner scope
TrendsBonusesPayoutsDebt

Earned commission

$84,210

Personal sales

$47,930

Override income

$29,480

Outstanding debt

-$6,790

Trend · monthly

+14.5% MoM net

FebMarAprMayJunJul
CommissionPersonal salesOverrideDebt

Every policy in one searchable book. Premium, status, and persistency month for every policy.

Straight from the carrier statement.

Book of business
$1.2M in force
Search 842 policies · client, carrier, agent, status...
ClientCarrierPremiumMonthStatus
Linda P.Carrier A$68/moM4In force
B. BoydCarrier C$54/mo--Pending
M. OrtizCarrier B$89/moM1Lapsed
J. WhitmoreCarrier A$72/moM13In force

Persistency flat: 88.4% weighted: 91.0% straight from the carrier statement

Persistency, flat and weighted. Every carrier and cohort tracked by month.

The numbers your overrides and renewals live on.

Persistency
Owner view
Overall4-month9-month13-month25-month

13-month persistency weighted

91.0%

Flat: 88.4% · Saved: 24 policies matching 13 months

Insight: Carrier C lapse risk is concentrated in months 2–4 · 9 policies recoverable this cycle.

Carrier · 13 month

Carrier A89%91%
Carrier B88%87%
Carrier C75%76%

Cohort · Mar 2026

Final expense90%91%
Veteran88%87%
Mortgage74%80%

See the walk coming a month early. Production, debt, and activity signals rolled into one owner-only view.

Managers see which agents need help before business leaves.

Flight risk · owner view
Owner only

T. Nguyen

Production -36% MoM · 2 chargebacks in 30d · no deals in 6 days

Red

S. Whitfield

No new apps · production steady

Yellow

D. Alvarez

Production +12% MoM · debt clear

Green

You see the walk coming a month early, while there is still time to save the leg.

Comp plans, bonuses, and tiers. Ladders by carrier, custom bonus programs, every tier tracked automatically.

Leaders see progress before the statement arrives.

Commission · Comp ladder · Carrier A
July

Earned in July

$8,412

Senior producer 83% · Manager $10K · +$1,600 bonus

Pace · $12.1K by month end

Tier 1Tier 2Tier 3Tier 4
StartProducerSenior producerManager
Fast start bonus · qualifiedProducer club · $1,500 at $25K netOverrides compute per statement

Statements in. Truth out. Stop reconciling by hand.

My agents work half the hours and write more. The back office alone pays for it.

Agency owner · Enterprise plan

Compare

Power Policies vs everything you’ve tried.

Nine tools stitched together still can’t answer a lead at 2am. Here’s the honest table.

Sales AI · 8 rowsBack Office · 11 rows

The only one with both halves.

Sales AI that works the lead and a back office that tracks the dollar. Every other tool does one, badly stitched to the rest.

$149 replaces the stack.

A dialer, a texting tool, a VA, and a commission spreadsheet run $400+/mo per agent. Power Policies is one bill.

Built only for life insurance.

Final expense, mortgage protection, IUL, veteran. The scripts, dispositions, and comp math are native.

IncludedPartialNot offered
FeaturePower PoliciesGoHighLevelAgent CRM
Sales AI
Built for life insurancePartialPartial
In-app AI assistant Ashley
Unified voice, SMS and email on one lead
Lead pipeline and dispositions
Hands-free power dialer
Live transfer with full contextPartialPartial
Call recordings, transcripts and AI summaries
Compliance setup handled for you
Back Office AI
AI parses every carrier statement
Every dollar matched to the right agent
Debt tracked and roll-up risk flagged
Every policy in one searchable book
Persistency tracking
Org tree with live value view
Bonus programs with custom tiers
Commission tier tracked per agent
Comp plan ladders by carrier
Reconciliation hub for orphan rows
Agent flight-risk surfacing

Demo

The whole product in nine minutes.

Watch the platform work a real lead, then talk to the AI yourself.

Featured
Bro, my text campaign finally launched and this is freaking insane. I got like 65 people replying back interested in life insurance. They are now converted to hot leads from the old aged leads I uploaded. This is amazing, thank you.
CS

Caleb S.

Final expense agent

65 replies

Look, it’s calling 10 of these numbers at once, then it texts everybody.

Compliance

Compliance isn’t a promise. It’s enforced in code.

Quiet hours, consent, disclosures, do-not-call. Not policies your team has to remember, gates every call and text passes through before it leaves.

Outbound gate · every call and text passes through
Enforced
Lead · ChannelDNC · Quiet hours · Consent · Registered sender

Linda P. · SMS

✓ ✓ ✓ ✓Sent · 11:42 AM her time

Robert M. · AI call

✓ 8:52 PM CT ✓Deferred · Mon 9:00 AM CT

J. Alvarez · AI call

✓ ✓ no consent proof ✓Voice locked · Manual only

(555) 014-2210 · SMS

on your DNC — — —Blocked · Logged

If a check errors, the send is withheld — the gate fails closed

Bring us your compliance checklist. We’ll show you where each line is enforced.

Outreach lands in the legal window — the lead’s window. Automated calls fire 9am–8pm in the lead’s own timezone, never Sunday. Texts wait for daytime too. Out-of-window work defers to the next legal morning — it never just sends.

Voice campaign · dispatch schedule
Lead-local time

Denise W. · Tampa, FL

Queued 11:04 AM ET

Called 11:04 AM her time

Carl H. · Phoenix, AZ

Queued 8:12 PM local

Deferred · 9:00 AM tomorrow

M. Rivera · Sacramento, CA

Queued Sunday 2:14 PM

Deferred · Mon 9:00 AM PT

Deferred — not dropped. The lead keeps their place for the next legal morning.

No consent proof on file? The AI doesn’t dial. Leads without documented consent are locked out of AI voice — the dialer skips them. Consent lives on the lead: source, opt-in language, timestamp, proof file.

Leads · compliance state
Consent on record

Linda P.

Voice + SMS
  • Consent proof · webform.pdf
  • Source · vendor webform
  • Captured · May 14, 9:31 AM
  • Opt-in language · hash pinned

J. Alvarez

SMS only
  • Consent proof · none on file
  • AI voice locked — the dialer skips this lead
  • Upload proof to unlock voice outreach

Your AI introduces itself as an AI. Set your disclosure once, agency-wide, and it opens every AI call — spoken before anything else. When a human call is recorded, both parties hear the consent disclosure first.

AI call · opening
Disclosure logged

Ashley · AI — First words, every call

“Hi, this is Ashley, an automated assistant with the life insurance office, calling on a recorded line...”

Set once, agency-wideSpoken before anything else

Recorded human calls play a consent disclosure to both parties before recording starts

The dialer paces to you — not a statistical model. First human wins, extra lines are released before anyone hears silence, and any abandoned call gets your recorded callback message with a press-1 opt-out. All of it tracked in your metrics.

Power dialer · 3 lines · agent-paced
No dead air

Line 1 · (813) 224-0561

Connected → you

Line 2 · (602) 773-1148

Released before ring answer

Line 3 · (916) 402-8830

No answer

If a call is ever abandoned

Your recorded callback message plays — with your name and number — and the caller is offered press-1 to opt out. Both are required before a multi-line campaign can start.

Abandoned-call outcomes are tracked in your campaign metrics

One STOP shuts it all down. Conversation closed, drips cancelled, DNC written, confirmation sent from the same number — automatically. A spoken opt-out to the AI is honored the same way.

Inbound · (415) 336-0112
Opt-out honored

Lead · 2:07 PM

STOP

  • Conversation closed, AI disabled for this lead
  • Scheduled drip steps cancelled
  • Added to your do-not-call list — SMS channel
  • Confirmation sent from the same number they texted
  • Written to the compliance log

A spoken “stop calling me” on an AI call is honored the same way

Every send passes one do-not-call gate. If the check itself errors, the message is withheld — the system never gambles on an illegal contact. Every block and pass is logged, and imports are scrubbed against your list on entry.

Compliance log · today
Export CSV
2:07 PMDNC addedSTOP reply · SMS channel
1:44 PMSend blockedDNC match at the outbound gate
11:20 AMImport scrubbed38 suppressed numbers stripped from CSV
9:03 AMDNC addedSpoken opt-out on AI call
9:00 AMCheck passedOutbound SMS · logged

Every add, block, pass, and removal — timestamped, attributed, exportable

Affiliates

Get paid to refer Power Policies.

Earn $15 in usage credit every month, for every account you refer, for as long as they stay a paying customer. Free to join, open to every Power Policies account, and there is no cap on referrals.

Every month they stay, your wallet moves. $15 per active referral, every billing cycle, no invoices, no thresholds, no waiting.

  • $15/mo. Per active referral, credited every month they stay paid
  • Lifetime. Accrues for as long as the account keeps its subscription
  • 30 days. Attribution window on your link
  • No cap. On referrals or lifetime earnings
  • Requires a Power Policies account. Your link and rewards are tied to it. Not a user yet? Start a free trial first, then apply.
  • $15/mo per active referral. Usage credit automatically lands every cycle while the account stays paid.
  • Code emailed on approval. Applications are reviewed within a few days.

Apply to the program.

Open to every Power Policies account, agents, agency owners, and teams alike.

Optional. Where cash payouts go if you are invited to Pro.

Must match an active Power Policies account.

Get started

Choose your plan.

Sign up as an individual agent, or launch your own white-label AI agency. Live in 48 hours either way, setup done for you.

Common questions

Everything else.

What does Power Policies cost?

$149/mo per agent with a 14-day free trial, or $111.75/mo billed annually, which includes three months free. Agencies launch white-label from a $499 one-time setup plus a $10 monthly agency fee, and Enterprise pricing is built around your agency’s size.

How long does setup take?

You are live in 48 hours, and setup is done for you. Five numbers are provisioned, A2P registration is handled and paid, and Ashley is trained on your lead types and calendars before you load a single lead.

What is included in a subscription?

AI Voice, SMS and Email campaigns, five free phone numbers, done-for-you AI setup, CRM and lead management, and free A2P registration — the $40+ carrier paperwork every other tool charges for.

Who is Ashley?

The AI agent on every one of your numbers, on every channel, at every hour. She answers inbound in two rings, books appointments straight onto the right agent’s calendar, transfers hot leads live, and logs the transcript and disposition on the record.

Can I cancel?

Yes. Two clicks in settings — no call and no retention script. Nothing is billed during the 14-day trial.

How do you keep outreach compliant?

Quiet hours, consent capture, DNC and opt-outs are enforced by the platform on every call and text rather than left to your team to remember, and the audit trail exports for a carrier, an auditor, or counsel.

Do you have an affiliate program?

Yes, and it is open to every Power Policies account. You earn $15 in usage credit every month, for every account you refer, for as long as they stay a paying customer.

Nothing billed for 14 days. Cancel in two clicks, no retention script.