Direct answer: Use a spreadsheet or a generic free CRM while the book is tiny and you accept manual reminders. Pay for insurance software when overdue vs due-this-week has to be a board, not a filter. InsuredBoard is a 7-day trial (75 active policies, unlimited clients), then Starter ₹199/month — not a forever-free product.
Free or generic tools
- Good for: first handful of policies, agents still testing whether they will stay in the business
- Pros: zero or low cost, you already know Sheets
- Limits: no insurance renewal board unless you build it; WhatsApp is copy-paste
- Examples: Google Sheets, HubSpot free CRM, Zoho entry editions (confirm current limits on their sites)
Paid insurance agent software
- Good for: a live book you cannot afford to lapse, or a small team that needs roles
- Pros: due-date list, documents on the client, WhatsApp from the card (how each vendor implements WhatsApp varies — ours is a pre-filled chat you send)
- Cost: InsuredBoard Starter ₹199/month, Pro ₹699, Business ₹1,299. Other vendors: confirm on their pricing pages; we do not invent theirs.
InsuredBoard specifically
Trial: 7 days, 75 active policies, unlimited clients, no credit card. CSV import and extra seats are on paid plans. Commission still comes from the insurer. See pricing and best free insurance CRM in India for the forever-free vs trial distinction.
When to pay
Upgrade when you are missing renewals, spending mornings on filters, or need CSV and team seats. One saved persistency follow-up usually covers Starter. Product tour: how it works.
Start the 7-day trial
75 active policies, unlimited clients. Then Starter at ₹199/month if the list is the habit you want.
Start free trial