Sonant vs Insurvoice vs AgentZap vs Tactly: AI receptionists for insurance agencies
A neutral side-by-side of four AI receptionists that market to insurance agencies: published pricing (or quote only), AMS integrations, transfers, and compliance claims, from each vendor's own pages.
Tactly ($49/mo) and AgentZap ($109/mo plus a $499 setup fee) publish per-minute plans, Insurvoice publishes one $585/mo plan with unlimited inbound calls, and Sonant is quote only. Sonant, Insurvoice, and AgentZap all list HawkSoft, AMS360, and Applied Epic among their integrations; Tactly lists Zapier, webhooks, and an API instead. All four document transferring calls to a person, so coverage questions can go to licensed staff.
Tools coveredSoSonantInInsurvoiceAgAgentZapTaTactly
On this page
The problem
Four AI receptionists show up again and again when agencies search for an insurance answering solution: Sonant, Insurvoice, AgentZap, and Tactly. They price in very different ways (flat, per-minute, one plan, or quote only), and only some connect to an agency management system. This page puts what each vendor publishes side by side so you can shortlist before booking demos. We have not hands-on tested any of them.
Tools compared (no ranking)
- Sonant: P&C agencies that want an insurance-specific receptionist that verifies callers and writes notes and tasks back to the AMS.Visit Sonant ↗
- Insurvoice: Agencies that want unlimited inbound answering plus outbound calling campaigns (for example lead reactivation) in one plan.Visit Insurvoice ↗
- AgentZap: Agencies that want a done-for-you setup, published per-minute plans, and an on-demand live agent network for escalations.Visit AgentZap ↗
- Tactly: Small agencies that want a low monthly price, a self-serve setup, and a free trial on real calls.Visit Tactly ↗
Cost and fit compared
| Tool | Published price | Setup effort | Compliance notes |
|---|---|---|---|
| Sonant | Quote only. Sonant says pricing is based on call volume and the number of offices, with onboarding, configuration, and support included. source | Vendor-led. Sonant says most agencies go live in under 30 days, and many start with an after-hours pilot. | States SOC 2 (Type II) and GDPR compliance, and says it is an Applied Epic Certified Vendor Integration. |
| Insurvoice | Insurvoice Agent $585/mo: unlimited inbound calls, 75 hours of outbound talk time, then $0.13/min. 1-month trial with free cancellation. Enterprise is custom. source | Demo-led. Insurvoice says it integrates natively with HawkSoft, EZLynx, and AMS360. | Claims outbound campaigns are TCPA-compliant with state-level consent rules built in. Keep your own consent records. |
| AgentZap | Starter $109/mo (150 min, $0.85/min after), Professional $295/mo (450 min, $0.75/min), Business $899/mo (1,500 min, $0.70/min), each plus a $499 one-time training and setup fee (waived on Professional with a 6-month term). Annual billing: 2 months free. 30-day money-back guarantee. source | Done for you. AgentZap's insurance page says "Live in 48 hours"; some software integrations may need extra setup. | Pricing page says "HIPAA Compliant"; we found no BAA terms. Not relevant for most P&C calls. |
| Tactly | Starter $49/mo (100 min, $0.35/min after), Pro $99/mo (250 min, $0.29/min), Growth $199/mo (600 min, $0.25/min). 7-day free trial with 30 minutes. No refunds. source | Self-serve. Tactly says setup takes about 10 minutes; it drafts answers from your website. | You can tell it never to quote a rate or confirm coverage and to book a call with an agent instead. No AMS integration listed. |
Compliance check
Marked Verified only when the vendor's own page says so (linked). Unverified means we could not confirm it on a vendor page, not that the feature is missing. Ask the vendor in writing. How badges work.
Sonant
- BAA availableUnverified
- TCPA consent supportUnverified
- Licensed-staff handoffVerified Warm transfer with full context when a human is needed. Source (checked Oct 19, 2026)
Insurvoice
- BAA availableUnverified
- TCPA consent supportVerified Vendor claim: outbound reactivation calls are "TCPA-compliant" with "state-level consent rules baked in". Confirm your own consent records. Source (checked Oct 19, 2026)
- Licensed-staff handoffVerified "Route to Live Agent"; transfers calls. Source (checked Oct 19, 2026)
AgentZap
- BAA availableUnverified Pricing page says "HIPAA Compliant"; no BAA terms found. Source (checked Oct 19, 2026)
- TCPA consent supportUnverified
- Licensed-staff handoffVerified Transfer destinations per caller type, plus an on-demand live agent network. Source (checked Oct 19, 2026)
Tactly
- BAA availableUnverified
- TCPA consent supportUnverified
- Licensed-staff handoffVerified Live transfers to your main line or up to 5 named numbers (15 on Growth). Source (checked Oct 19, 2026)
How they differ at a glance
| Feature | Sonant | Insurvoice | AgentZap | Tactly |
|---|---|---|---|---|
| Entry price | Quote only | $585/mo | $109/mo + $499 setup | $49/mo |
| Pricing model | Partner rate by call volume and offices | One plan, unlimited inbound | Minutes included + per-minute overage | Minutes included + per-minute overage |
| Trial / guarantee | Not published | 1-month trial, free cancellation | 30-day money-back guarantee | 7-day free trial (30 min) |
| HawkSoft / AMS360 / Applied Epic | All three listed | All three listed (HawkSoft and AMS360 “native”) | All three listed | None listed (Zapier, webhooks, API) |
| Transfers to a person | Warm transfer with context | Route to live agent | Transfer destinations + live agent network | Live transfers to up to 5 numbers (15 on Growth) |
| Setup | Vendor-led, under 30 days (vendor says) | Demo-led | Done for you, “live in 48 hours” | Self-serve, about 10 minutes (vendor says) |
See which AI receptionists integrate with HawkSoft, AMS360, and Applied Epic for the integration details and sources.
How to choose
- Pull last month’s call count and average call length from your phone system. Per-minute plans (AgentZap, Tactly) are cheaper at low volume; a flat plan (Insurvoice) or a volume quote (Sonant) can win at high volume.
- Decide whether the receptionist must write to your AMS. If yes, shortlist Sonant, Insurvoice, and AgentZap, and ask each to show a note being written to a test client record in your AMS during the demo.
- Decide who handles transfers. Coverage questions belong with licensed staff. Configure transfers to your licensed team, and script the AI to collect information and route, never to quote or bind.
- Price the full first year, including setup fees (AgentZap’s $499), overage, and any term commitments.
- Pilot on after-hours or overflow calls first, and review a week of transcripts before expanding.
Questions to ask in every demo
- Does the integration read from the AMS, write to it, or both? Which record types (notes, activities, tasks)?
- What happens when the caller asks a coverage question?
- Where are recordings and transcripts stored, and for how long?
- Is there a term commitment, setup fee, or cancellation fee?
- Can I see the contract terms before signing?
Compliance notes
- Licensing. Only licensed staff should discuss coverage specifics. Keep the AI to intake, service requests, and routing.
- Call recording consent. Some states require all parties to consent, for example California (Penal Code §632). Put a recording notice in the greeting.
- Outbound calls and texts (such as Insurvoice’s reactivation campaigns) are subject to TCPA consent rules. A vendor’s “TCPA-compliant” claim does not replace your own consent records. See our speed-to-lead guide.
- This is general information, not legal advice.
Who should skip this
- Agencies where a person already answers nearly every call, including after hours.
- Agencies that need a published price before any sales call: Sonant is quote only.
Sources (checked Oct 19, 2026): Sonant: AI receptionist cost · Sonant integrations · Sonant insurance call answering · Sonant mid-market FAQ · Sonant home page · Insurvoice pricing · Insurvoice home page · AgentZap pricing · AgentZap for insurance · Tactly pricing · Tactly for insurance agencies · Tactly integrations · California Penal Code §632