Insurance AMS vs Generic CRM

An AMS is a CRM...

plus, it includes the specific customizations and industry tools that health insurance agencies need. A generic CRM can’t meet the specialized needs of health and benefits agencies. A purpose-built AMS, like AgencyBloc’s AMS+ solution, is designed for your day-to-day needs.

Client & Lead Data  Policy Management Task Management  Retention & Sales Automation Call Recording System Compliance  Text Messaging   Email Marketing OEP/AEP Efficiencies

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How to Choose the Right AMS

Picking the Right AMS the First Time

Running a health or benefits agency means balancing compliance, commissions, and client relationships — all while growing. The system your team uses can make or break that effort.

Three tools many health insurance agents compare are an agency management system (AMS), a generic CRM, and an upline-provided CRM tool.

The Best AMS for Group Benefits, ACA Insurance, & Medicare

Sell Health, Life, & More? Track All Insurance Lines at Once

AgencyBloc’s AMS+ solution is a tailor-made agency management system designed for group benefits, individual health, and Medicare insurance agencies.

Medicare

Centralize SOAs, MBIs, & Medicare Data in One Tool

Use the Individual tab to track the Medicare details for senior-aged clients without custom sections. Manage the Scope of Appointment process and gather critical prescription, provider, and pharmacy data with the secure Rx Collect portal — all within AMS+. Then, streamline quoting and enrollment with ready-to-use integrations with ConnectureDRX, SunFire, and other upline tools.

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Comparing AMS Solutions

Your Agency's AMS/CRM Comparison Chart

If you're in the market for a new agency management system (AMS), these are the top decisions you should consider.
 

Decision Criteria AgencyBloc's AMS+ Generic CRM Upline-Provided CRM

Built for Health, Medicare, & Benefits Agencies

Get tools and workflows that match how you actually sell, service, and retain clients, without endless customization.

Purpose-built for the insurance industry — designed around clients, policies, and communication.

A general contact database that requires heavy customization to fit insurance needs.

May cover basic policy and contact management — can be limited to specific carriers or lines of business.

Commissions Tracking & Processing

Accurate, automated commissions mean fewer errors, faster payouts, and confidence that your agency’s getting every dollar earned.

Adaptable commissions solution that automates imports, reconciliation, and payout tracking for your team.

No built-in commission functionality — requires manual tracking or third-party add-ons.

Often limited to downline reporting; lacks transparency and flexibility.

Built-in Communication Tools (VoIP, Email Marketing, SMS)

Never miss a follow-up or renewal with complete records that capture every call, text, and email.

Includes integrated VoIP, email marketing, and SMS/text messaging to centralize client communication.

Requires separate systems or third-party integrations.

May include advanced communication tools, like email marketing, text messaging, and workflows.

Quoting & Enrollment

Faster, more accurate quoting helps you win business and serve clients with confidence without entering data over and over.

Integrated quoting and enrollment options through AgencyBloc solutions, like Quote+, or third-party integrations like SunFire or ConnectureDRX. 

Requires access to external quoting tools or manual workflows.

Often restricted to carrier-specific links or one approved integration, meaning you’re dependent on your upline’s choices, not your agency’s needs.

Workflow Automation

Tired of the sticky notes and reminders? Automation ensures your tasks are not just done, they're done to your standard.

Built-in customizable workflow automation gives your team the tools to automate your processes in ways that make the most sense for your brand.

May have basic automation capabilities, but lacks insurance-specific triggers and actions.

May cover basic processes, like happy birthday or new client alerts, but is often limited for more complex requirements. When options are broader, they may require extensive automation know-how.

Compliance Tools

You have to stay compliant with federal regulations — do so without the headaches or worries.

Pre-configured compliance tools for essential documents, like the Scope of Appointment (SOA), ACA Consent, and ACA Attestations, are easy to send, electronically signed, and automatically stored.

Requires separate systems or third-party integrations.

Often restricted to only specific compliance documents, meaning you’re dependent on your upline’s choices, not your agency’s needs.

Ease of Scaling

Ready to take the next step? Use one system from start to scale to eliminate tech burdens and accelerate growth.

Built for single agents, small agencies, mid-to-large agencies, and uplines (including General Agencies, IMOs, and FMOs) to meet your needs at each stage of growth.

Requires heavy customizations that may need to be reconfigured during every stage of your agency’s growth cycle.

Often built for single agents or small agency teams, lacking the tools to help agencies scale.

Multi-User Management

Find a system that supports your whole team, helping you work as one.

Built-in security access definitions allow administrators to customize which employees see what information, keeping data secure and efficiency high.

Can support multiple users, but may lack per-user customization access or may require extensive customization.

Typically able to support multiple users, but may lack the ability to customize access for each individual.

Data Visibility & Reporting

Get the insights you need when you need them to set goals and track growth.

Includes tools for high-level overviews and trend management as well as in-depth reporting and trend analysis — all focused on health insurance needs.

Can support data analysis and reporting, but report templates or types lean generic.

Likely has built-in reporting capabilities, but will vary on how in-depth the tools are.

Integrations, API, & Security

A connected system improves efficiencies, reduces silo and manual entry, and empowers your team to work smarter.

Pre-built integrations and an open API let your tech stack integrate seamlessly and securely, supported by HIPAA and SOC 2 Type II compliance.

May integrate with chosen third-party tools; requires internal build-out and management.

May be restricted to upline-approved integrations, limiting your options for agency partnerships.

Onboarding, Ongoing Support & Education

Provide your team with the support they need to adopt new tools efficiently.

Every client is paired with a dedicated Client Success Manager as an ongoing resource and has access to an Academy video library, a technical Knowledge Base, and live Support via phone, email, and chat.

Often provides a help center, tutorial library, and/or a ticket-based support system for support and questions. 

May require third-party assistance or ticket-based support, depending how much tech support the upline provides.

See the AgencyBloc Difference

When you're a Member of The Bloc, it shows.

35Xincrease in revenue

"AgencyBloc has helped us streamline all of our daily tasks. We started with 6 employees, and now we have over 40, supporting a 35X growth in revenue. It’s helped us see measurable results and set goals for the future."

Tracy K.
Tracy K.
HTA Insurance Services
1centralized solution

"We had three separate CRMs. Why not just find one that can do everything and do it well? If you are looking at AgencyBloc, you're putting a step in the right direction."

Travis F.
Travis F.
Medi-Solutions Insurance Agency
900%increase in Google reviews

"AgencyBloc is an integrated management system that allows you to grow and scale your business and effectively manage and maintain your business. With one workflow campaign, we grew our Google reviews from 50 to 500 in just a few months."

Bill G.
Bill G.
Sun Coast Legacy Advisors
50%increase in effiencies 

"From A-Z, AgencyBloc saves us over 50% of our time, giving us the chance to focus on other revenue-generating opportunities. AgencyBloc has been our time-saver and has helped our agency truly organize all of our operations."

Alex C.
Alex C.
Comfort Insurance & Finances
$69Kfound in missing commissions

"We have been using AgencyBloc's platform for about a year and a half. We've had a great experience so far, and within that timeframe, we have been able to recover $69,000 in missed commissions, which has been amazing."

Becca D.
Becca D.
United Producers Group

The Verdict

The Best AMS for Health Insurance Agencies

If your agency focuses on individual health, Medicare, group benefits, or all of the above, AgencyBloc’s AMS+ is the clear leader: Built for your industry, supported by industry-knowledgeable people, and proven to grow revenue and client retention.

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Frequently Asked Questions

If you have questions or can't find what you need, feel free to reach out to us through our Contact Us page or at 866-338-7075. We're here to help!

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  • An agency management system (AMS) is software designed specifically for health insurance agencies to manage policies, commissions, and client data. A CRM helps track customer relationships, but most CRMs are built for general sales teams, not insurance-specific workflows. AgencyBloc AMS+ combines AMS functionality with CRM features, so agencies don’t have to choose between the two.

  • Unlike many platforms built for property & casualty agencies or general businesses, AgencyBloc AMS+ is tailored for individual health, group benefits, and Medicare agencies. It stands out with commissions processing automation, compliance tools, and people-first support, whereas competitors often require heavy customization or outside support.

  • All of the above. AgencyBloc AMS+ supports agencies in health, Medicare, and employee benefits. Specialized tools like commission processing, policy tracking, built-in compliance documents, and communication tools help agencies manage group benefits and Medicare enrollments more efficiently than generic CRMs.

  • Yes. AgencyBloc AMS+ solution integrates with quoting and workflow tools, such as Connecture DRX, SunFire, Quote+, Zapier, and more. Plus, we have an open API for teams to build the integrations they need.

  • Support doesn’t end after signup. AgencyBloc offers ongoing training resources, a responsive Support Team accessible via email, live chat, and phone, and access to a dedicated Client Success Manager. We partner with agencies to optimize their use of the platform, unlike many competitors that limit support to ticket-based systems.

  • Agencies often report reduced admin time, faster commission reconciliation, and improved client retention. Many of our client testimonials highlight how AgencyBloc simplifies compliance and enables growth, while delivering a better experience for their team.

  • Start by scheduling a demo with AgencyBloc’s experts. Once you’ve done the demo, you can choose your package and start date. Then, we’ll introduce you to your dedicated Client Success Manager, who can help you coordinate your data migration, onboarding, and more. As a Member of The Bloc, you’ll have access to exclusive training materials, including the AgencyBloc Academy and the technical Knowledge Base. Plus, we have a live Support Team that is here to help you over the phone, via email, and through a built-in chat feature.