Polca for life insurance agencies

The operating system for life insurance agencies.

Branded dialing, AI appointment setting, clean numbers, policies, commissions, quoting, and your team in one place.

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What changes when the lead answersPolca in motion
Next lead
Sarah DemoAged lead · coverage request
SourceRe-engagement
StateOhio
ContextAlready covered
↗ Ava takes the first call

Ava makes the call.
The rep gets the meeting.

“Sarah, is this still a good time to look at coverage for your daughter?”
“Yes. I kept putting it off.”
“Jake has Wednesday at 10. Does that work?”
✓
Wednesday · 10:00 AM bookedCalendar, conversation, and follow-up are ready for Jake.
The actual handoff:Ava callsyour brand stays on the screenthe appointment lands with context
Have Ava call your phoneA live Polca AI appointment setter demo
AI Appointment Setter

An AI appointment setter that works every lead.

Dials, qualifies, handles objections, books appointments and live-transfers buyers, all under your agency's name. Fresh leads in minutes, and the aged ones nobody touches.

  • Answers callbacks 24/7 and reschedules on the same call
  • Live-transfers hot leads to your reps mid-conversation
  • Every call recorded, transcribed & summarized
  • Consent & DNC guardrails enforced on every dial
Ava · appointment workflowWorking
Calls
Handles objection
Books
Transfers & syncs
Sarah M. Aged lead · untouched 14 months
SourceFacebook · Life insurance
Age61
StateOhio
CampaignAged re-engagement
Calling now as Northstar Insurance ✓
Ava · your agencyHey Sarah! I'm calling from Northstar Insurance about the life insurance information you requested. Got a quick minute?
LeadI already have insurance.
Objection detected · already covered
Ava · your agencyThat's great. Most people keep what they have. This is just to see whether newer options could improve the coverage. Worth a quick look tomorrow at 2:30?
StateOhio✓
NeedFinal expenses✓
Age band60s✓
BeneficiaryDaughter✓
✓
Appointment booked · Tue 2:30 PMPlaced on Alex P.'s calendar · confirmation sent
Lead asks to speak with someone now
→
Live transfer connectedRep joined in 4 seconds · appointment kept as backup
◉Recording and transcript saved
≡Summary, outcome, and follow-up synced to CRM
Real call playing
The workflow is following the conversation
0:00
Hear Polca book real appointments. Unscripted calls from live insurance campaigns. Names and identifying details have been removed or limited for privacy.
Booked in 68 seconds · Mark
Featured call · Appointment booked · Family coverage · Outbound
"Usually about how long does it take?""Just ten minutes." Locked in for 12:30 the same day.
1:08
Booked through resistance · Curtis
Final expenses · Outbound
"I'm getting ready to go into Tractor Supply."Polca qualifies him anyway and books tomorrow.
1:22
Inbound callback converted · Buster
Appointment booked · Final expenses · Inbound
"Do we talk on the phone, or do I have to go somewhere?""Just a quick phone call. You won't need to go anywhere."
2:06
Branded Power Dialer

Build a recognizable caller identity.
Not another anonymous number.

Your closers dial as your agency, with registered branded caller identity, monitored numbers, automatic rotation, and reputation remediation.

  • Branded caller ID with monitoring & remediation
  • Managed number pools, rotated automatically
  • One-tap dispositions synced to your CRM
  • Callbacks ring your rep's cell, no missed money
What the lead sees → what Polca recordsReal call screen
What the lead actually seesNorthstar Insurance · branded caller ID
1
Brand name and logo deliveredAgency identity registered and monitored
Live
2
Sarah answersAlex connected in 1.8 seconds
02:14
3
Appointment completedOne-tap disposition advances the list
Presented
✓
CRM and callback updatedRecording, notes, and next action saved
Synced
Quote Engine

From date of birth to carrier quotes in one pass.

Enter the client's basics once, add health conditions and medications, and compare available carrier results without bouncing between portals.

  • Live carrier results from one health intake
  • Face amount and premium comparisons in the same view
  • Health conditions and medications carried into underwriting
  • Move from intake to recommendation without rekeying
Polca Quote Engine entering a synthetic date of birth and returning live carrier quotes
ClientSarah M. · 61 · Ohio
One health intake11 carrier results
OutcomeAmerico selected
Book of Business

Every policy. Every client.
One accountable record.

Your whole book in one view. AP, gross, advance, and persistency calculated from the policy statuses your team records. Add status changes and follow-up notes manually so everyone works from the same record.

  • Production dashboard with monthly totals, YTD AP, net earned
  • Agent-entered policy status with a clear update history
  • Persistency calculated from the statuses your team records
  • Search & filter by client, carrier, status. CSV anytime
Book of Business · Sarah M.Agent maintained
SM
Americo · Whole LifePOL-DEMO-1042 · written by Alex P.
$2,400 AP$25,000 face amount
✓ Sold
✓ Placed
✓ In force
! Review due
✎
Alex marked this policy for review

The team enters each policy status, and Polca keeps the AP, advance, notes, and follow-up history together.

✓ Status last updated by AlexRecorded advance: $1,746
Run your agency

Everything after the sale stays in sync.

One operating layer for the money, the scoreboard, the floor, and the playbook, without four more systems to manage.

01 · Commissions & comp

Every rep sees the money.

Trace a sale from annual premium through adjustments, advance, residual, and the next comp level.

  • Gross, chargebacks, and net paid
  • Your levels, overrides, and bonuses
  • Policy and campaign calculators
Policy-to-paycheck breakdownEvery dollar traced
Americo policy · Sarah M. · Alex P.$2,400 annual premium
110% comp level
Gross commission+$2,640
Current-period adjustments−$312
Advance paid$1,746
Residual scheduled$582
Net earned on this policy$2,328
Monthly AP toward next comp level$43,800 / $60,000

$16,200 AP to unlock the 115% level.

At 115%, this policy would pay $120 more gross.
Pricing

Flat per-seat pricing. No overage, ever.

Put your whole team on Platform seats and upgrade the ones that dial. Mix seat types however your agency runs.

White-glove onboardingWe configure the operating system with you.Branding, caller identity, comp plan, calendars, and team environment are handled in one guided rollout.
Connect → provision → dial

Platform

$97
per seat / month
What’s included
  • The full agency platform for any team member
  • Leaderboards, book of business, commissions, training, presentations
  • Perfect for managers, assistants & new agents
Get started

Power Dialer

$597
per seat / month, includes Platform
What’s included
  • Branded caller ID & spam remediation
  • Managed number pool with rotation
  • Dispositions, recordings & callbacks
Get started
Most popular

AI Appointment Setter

$1,597
per seat / month, includes everything
What’s included
  • AI appointment setter working your leads
  • 24/7 callback answering & live transfer
  • Branded power dialing on the same seat
Get started
Build a mixed-seat agency plan
Build your agency plan

Mix seats around how your team actually works.

Each upgraded seat already includes Platform. Enter the people who need each seat type. No duplicated base charge.

Managers, assistants, new agents
Closers dialing their own leads
Ava + Power Dialer + Platform
Estimated monthly subscription · setup quoted separately$3,582/mo
Get started →
Trust

Built like it carries your book. Because it does.

SHAKEN-attested callingEvery call signed and delivered through an authorized carrier network.
Consent & DNC guardrailsOpt-outs honored automatically across AI and human dialing.
Your data stays yoursYour scripts, contacts and recordings. Export them anytime.
Isolated by designYour agency data stays isolated from other agencies through enforced tenant controls.
Open the Security & Trust center →
Questions agencies actually ask

Straight answers.

Is this TCPA compliant?

Polca is built for compliance: SHAKEN-attested calls through an authorized carrier network, automatic DNC and opt-out enforcement across both AI and human dialing, and full call recording. You dial your own opted-in leads, and the platform enforces the guardrails. Compliance is shared: your agency warrants consent on its lead sources, and our terms spell out exactly who is responsible for what.

What does the AI actually say on calls?

It runs a proven appointment-setting conversation under your agency's name. It confirms the lead's state, coverage need and age band, handles common pushback, and books to the right agent's calendar. It never quotes prices, never takes applications, and never binds coverage. Hot leads get transferred live to your licensed agents. Setting the appointment is the job.

Do I need GoHighLevel?

No. Polca runs on its own. Contacts, calendars, dialing and reporting are all built in. If you already run GoHighLevel, connect it and everything syncs both ways so nothing has to move.

How fast can my agency go live?

Days, not months. The long pole is registering your brand and numbers with the carriers so your name shows on caller ID. We handle that and you watch the status. Most agencies are power-dialing in week one, and AI dialing starts as soon as your numbers clear.

Is there a setup fee?

Yes. There is a one-time setup covering your agency's caller-ID brand registration, number provisioning and onboarding: the work that puts your name on the phone screen. It's quoted per agency, because the work scales with the size of your team and how many states you dial. It can be waived in exchange for a seat commitment. We'll walk through both options together.

Am I locked into a contract?

Month-to-month by default, cancel anytime. Agencies that commit to a number of seats can have setup waived in exchange. It's one or the other, and we'll show you the math for your team size.

Can I mix seat types across my team?

Yes, that's the design. Managers, assistants and new agents on $97 Platform seats; closers on Power Dialer or AI seats. Change any seat's type as your agency grows.

What happens to my data if I cancel?

It's yours. Export your contacts, scripts, recordings and presentation history anytime. Offboarding is part of the product, not a hostage negotiation.

Put your name on the call.

Onboarding is white-glove and slots are limited while we grow. Tell us about your agency and we'll take it from there.

Get started