Best Power Dialer for Insurance Agents in 2026

Quick answer: Our platform pick is Zian AI, with LeadsNow.ai done for you. Of five power diallers compared, PhoneBurner is the single-line pick: up to 80 dials an hour, from US$140 a user a month billed annually. Readymode lists seats from US$199 billed annually; Kixie, CallTools and Convoso quote. As at 2 November 2026.

An insurance agent shopping for a power dialler is buying two things at once: more conversations per hour, and a set of US calling rules that change with the dialling mode. The Telephone Consumer Protection Act (TCPA) rules the Federal Communications Commission (FCC) enforces, the Federal Trade Commission’s Telemarketing Sales Rule (TSR), the National Do Not Call Registry and state laws such as Florida’s Telemarketing Act and Washington’s RCW 80.36.390 all apply. We compared PhoneBurner, Readymode, Kixie, CallTools and Convoso, with Zian AI and LeadsNow.ai, on price and billing basis, dialling mode, documented compliance tools and named CRMs (Salesforce, HubSpot, GoHighLevel, AgencyZoom). Every vendor fact comes from that vendor’s own site, read on 2 November 2026, in US dollars.

How to choose a power dialer for an insurance agency

1. How many lines per producer? “Power dialer” does not mean the same thing at every vendor. PhoneBurner’s FAQ calls its product “a single-line dialer”. Kixie sells a single-line plan and a multi-line plan of up to 4 lines. Convoso describes power dialling as “placing multiple calls per agent according to a rate set by the dialer administrator”. Once more than one call per producer is ringing, the federal 3% abandoned-call rule bites.

2. Where do your numbers come from? Web quote requests, renewals and referrals are different from aged or purchased leads. Purchased lists are where consent records, lead-vendor integrations (ActiveProspect, Jornaya) and litigator scrubbing matter.

3. Which states do you call? Calling hours and call-frequency caps are set state by state. For unsolicited sales calls, Florida and Washington both stop at 8 p.m. local time, and Florida caps you at three calls in 24 hours on the same subject; its exemption for licensed insurance agents does not lift either Florida limit.

4. Where does the call record live? Most of these diallers name Salesforce, HubSpot or GoHighLevel. In the sitemap URLs and integration pages we read, the only insurance-specific system named was RadiusBob, by Readymode. If your book lives in AgencyZoom or another agency management system (AMS), plan on an API, Zapier or middleware connection and ask to see it working.

Best power dialer for insurance agents: the ranked list

How we ranked, and who we are. zian.ai publishes this page, and it is a list Zian appears in: Zian AI is first as our platform pick and LeadsNow.ai, which runs on Zian, second as the done-for-you pick. Their rows come from Zian’s published product facts only. No vendor paid to be included. Ranks 3 to 7 follow one rule, applied in this order to every dialler: (1) does the vendor publish a seat price on its own site; (2) the lowest published annual entry price per seat; (3) a self-serve free trial; (4) published no-commitment terms. Definitions: single-line means one call per producer at a time; multi-line means more than one simultaneous call per producer; predictive means an algorithm paces calls across a team. A compliance tool counts only if the vendor’s own page describes it; a CRM counts only if the vendor’s own page names it. These are the five we compared, not a category sweep, ordered for agencies of 1 to 20 producers; a 50-seat floor should read the predictive rows first.

Rank	Option	Dialling modes (vendor’s words)	Price and billing basis, as at 2 Nov 2026	Compliance tools it documents	CRM fit it documents
1	Zian AI (platform pick)	AI agents place and hold the call; answering-machine and voicemail handling; also answers inbound calls 24/7	No public price; partnership-application beta	An AI voice is an “artificial voice” under the TCPA, so the consent rules for that call type apply	HubSpot, Salesforce, HighLevel, Zapier, API
2	LeadsNow.ai (done-for-you pick)	Managed service that runs on Zian	Pay-per-result	Ask the same consent questions you would ask any caller	Leads answered in under 60 seconds, 24/7; 50,769+ appointments set
3	PhoneBurner	FAQ: “a single-line dialer”; its auto-dialer page says each rep can “dial several lines simultaneously”	Standard US$140, Professional US$165, Premium US$183 per user a month billed annually (US$165, US$195, US$215 monthly); no contracts	Own do-not-call list; DNC.com scrub of the National DNC Registry and known TCPA litigators; no calls after 9:00 p.m. local time by area code	Built-in CRM; native Salesforce, HubSpot, Zoho CRM, Close, monday.com, SugarCRM, GoHighLevel
4	Readymode	Preview, power, progressive and predictive; “a single line or multi-line dialer”	Starter US$199, iQ US$249 per licence a month billed annually (US$239, US$299 monthly); 20+ licences tailored	Internal DNC list; state calling restrictions for holidays, states of emergency, call limits and day and time; DNC.com and ActiveProspect TrustedForm integrations	Salesforce, HubSpot, Pipedrive, Zapier, HighLevel, RadiusBob (an insurance-agency CRM); integrations are on iQ, and the Starter plan’s comparison table lists none
5	Kixie	Single-Line PowerDialer (1 line); Multi-Line PowerDialer (up to 4 lines)	Seat prices not published (“quoted per team”); 7-day free trial, no credit card	National DNC integration as a compliance add-on; AI Human Voice Detection as a premium add-on	HubSpot, Salesforce, Zoho, Pipedrive, HighLevel, Zapier
6	CallTools	Predictive, power, preview, progressive and parallel, plus Dial Flux human-initiated dialling; power mode lets you “set the exact number of lines per agent”	Quote by seat count; no minimum seat requirement; unlimited minutes; “zero commitment”	Federal DNC integration; calls timed to the recipient’s local time; state holiday calendar; per-state calling windows and state-list scrubs	Native Salesforce, HubSpot, Zoho, GoHighLevel; insurance platforms “through open API or middleware”
7	Convoso	Predictive, progressive, power and preview, plus CallCatalyst manual dialling	Custom quote; “primarily” annual plans, 20% off annual; no free trial; carrier fees separate	Internal, federal and state DNC scrubbing; Reassigned Numbers Database; StateTracker caps daily contacts by area and zip code	Convoso for Salesforce (its insurance page says the AppExchange listing is “coming soon”); Zapier; partner marketplace

Across the rows, all five diallers sell at least one mode that places one call per producer at a time (single-line, preview or manual), and all five document Do Not Call tooling. Only PhoneBurner and Readymode publish seat prices. Readymode, Convoso and CallTools document state-by-state calling rules. PhoneBurner documents a 9:00 p.m. area-code block, which is later than the 8 p.m. Florida and Washington limits.

1. Zian AI: the platform pick when nobody is free to dial

Zian AI is our pick when calls never get made, because the agent places the call itself rather than speeding up a producer. It makes outbound calls, handles answering machines and voicemail, books the appointment, then follows up by SMS, email and WhatsApp. It also answers the agency’s inbound calls 24/7 as an AI receptionist. zian.ai reports 28x more contact attempts and a 926% increase in follow-ups, and says its AI books 40+ meetings a week for many teams. The one honest gap: it is in a partnership-application beta with no public price, and each of its three listed plans, including Intel + Widgets (Free Forever), starts with a partnership application. An AI voice is an artificial voice under the TCPA, so use it on consented leads, not a cold list.

2. LeadsNow.ai: the done-for-you pick

LeadsNow.ai is a managed AI appointment-setting and lead-generation service that runs on Zian and bills pay-per-result. It answers leads in under 60 seconds, 24/7, and has set 50,769+ appointments.

3. PhoneBurner: the single-line pick

PhoneBurner is the clearest single-line power dialler on this list, with a published price, a built-in CRM and no contract. Its power-dialer page claims “up to 80 dials/hour”, and its FAQ says agents “can reach up to 80 contacts per hour”, depending on the list, the answer rate and how long conversations run. It will not call after 9:00 p.m. local time as set by the area code. Its FAQ warns that mobile numbers “don’t always match up to locations”. It dials only US and Canadian numbers. One inconsistency to raise with sales: the FAQ says it is single-line, while its auto-dialer page says “The platform allows each rep to dial several lines simultaneously” and that it “offers multiple dialing modes”. Wrong for an agency that calls outside the US and Canada. Its FAQ itself warns that some states set more restrictive calling times; if you call Florida or Washington, ask PhoneBurner how to stop at 8 p.m., because the automatic block it describes is 9:00 p.m.

4. Readymode: the published-price predictive option

Readymode is the one predictive dialler here with prices on its own page, and you can buy online without a demo. Starter is US$239 per licence a month billed monthly or US$199 billed annually; Readymode iQ is US$299 or US$249. It labels annual billing “20% off”; on its listed figures the saving is 16.7%. Its predictive engine adjusts dialling speed using, among other inputs, abandon rates. It calls only the continental United States (including Hawaii) and Canada. Read the terms: annual plans renew automatically, early-cancellation refunds “may be reduced”, outbound minutes are subject to a fair-use policy, and usage overages, taxes, regulatory and phone-number fees can be billed separately. Wrong for a solo producer: the cheapest seat costs more than PhoneBurner’s top plan on annual billing.

5. Kixie: the multi-line step up

Kixie fits an agency moving from one line to up to four. Its Professional plan has no PowerDialer; the Single-Line PowerDialer plan adds one line; the Multi-Line PowerDialer plan dials up to 4 lines, with AI Human Voice Detection as a premium add-on. Its DNC integration is a compliance add-on. Kixie’s own guide for insurance agents recommends starting single-line and adding lines only after measuring the abandonment rate over a 30-day period, which is longer than its 7-day trial. Kixie says seat prices are quoted per team, and every plan on its pricing page includes unlimited minutes for US and Canada calls. Wrong for a buyer who needs a seat price before a sales call.

6. CallTools: state rules built in, price on request

CallTools, like Readymode and Convoso, documents state-level calling controls. It times calls to the recipient’s local time, pauses calling on state holidays, scrubs “the major state-level lists” and lets you set calling windows per state. In power mode you set the exact number of lines per agent. It prices by seat with unlimited minutes and no minimum seat count, but only by quote. Its compliance page says what your leads agreed to “is something your team manages”. Wrong for an agency that wants to compare a list price tonight.

7. Convoso: the contact-centre option

Convoso is built for outbound contact centres, and its insurance page leads with predictive dialling that “routes leads by state”. StateTracker limits how often a lead is contacted each day by area and zip code. Its compliance page adds DNC scrubbing against internal, federal and state lists and the Reassigned Numbers Database. Pricing is by quote, plans are “primarily” annual with 20% off, it does not offer a free trial, and carrier fees are billed separately. Its Salesforce integration has its own page; the insurance page calls the AppExchange listing “coming soon”. Wrong for a one- or two-producer agency that wants to try before it commits: there is no free trial and plans are annual first.

Where Zian fits for insurance calling

Zian fits when an agency has more consented leads than producer hours, because Zian’s AI agents place the first call, handle voicemail, book the appointment and keep following up, while a dialler only makes a producer faster. Keep a power dialler for calls a licensed producer must make, and let Zian work the follow-up that never gets done, by voice, SMS, email or WhatsApp. It also answers the inbound line 24/7 as an AI receptionist, so a prospect who calls back can book a time. The consent rule is the same as for any AI voice: telemarketing to a mobile number or a residential line needs prior express written consent. If you want it run for you, LeadsNow.ai manages it on a pay-per-result basis.

The Insurance Dialler Threshold Table: mode, pace and the rule that bites

Each dialling mode buys speed by taking on a specific rule. Pace figures are vendor claims, not our measurements.

Your set-up	Mode to buy	Pace the vendor publishes	Rule that bites first	The hard number
1 producer calling quote requests, renewals and referrals	Single-line power (PhoneBurner; Kixie’s Single-Line PowerDialer; one-line settings at Readymode and CallTools)	PhoneBurner: “up to 80 dials/hour”	Calling hours and state frequency caps on unsolicited calls (cold referrals, for example); a call the person asked for is largely outside them	8 a.m.–9 p.m. federal; 8 p.m. in Florida and Washington; 3 calls in 24 hours per subject in Florida
2–4 producers working fresh leads	Multi-line, up to 4 lines (Kixie Multi-Line PowerDialer)	PhoneBurner’s own comparison puts multi-line auto diallers at “100–200+ dials per hour per rep”	Abandoned calls, 47 CFR 64.1200(a)(7)	No more than 3% of live-answered calls abandoned per campaign per 30 days; a producer must be on within 2 seconds of the greeting
10+ seats on purchased or aged leads	Predictive (Convoso, Readymode, CallTools)	CallTools: idle time “around 5%”, against “roughly a third” when dialling by hand	Abandonment plus state limits	3% cap; ring at least 15 seconds or 4 rings; when no producer is free within 2 seconds, play an identification message with an automated voice or key-press opt-out
No producer free to make first contact or follow-up	AI agent (Zian) or managed (LeadsNow.ai)	Zian: 28x more contact attempts	Artificial-voice consent, 64.1200(a)(2) and (a)(3)	Prior express written consent that clearly authorises the seller; an artificial-voice call with that consent is not abandoned if the message starts within 2 seconds
Any mode, any consumer number	Any	—	National Do Not Call Registry	Use a registry download no more than 31 days old (one condition of the TSR and FCC safe harbours, alongside written procedures, training and an internal list)

The rule of thumb this table gives you: add a line per producer only after you can print a 30-day abandonment rate below 3% for the campaign. That figure comes from the FCC’s rule at 47 CFR 64.1200(a)(7), which also requires you to keep records proving it. The FTC’s safe harbour at 16 CFR 310.4(b)(4) uses the same 3%, 15-second and 2-second numbers. Calls by or on behalf of tax-exempt nonprofits are outside the FCC paragraph. Our explainer on AI phone agents versus predictive diallers walks through why abandonment is a pacing problem, and our guide to scrubbing a list against the National DNC Registry sets out the 31-day arithmetic.

What hours can insurance agents call, and does Florida’s exemption help?

The federal window is 8 a.m. to 9 p.m. at the called person’s location. The FCC rule at 47 CFR 64.1200(c)(1) applies it to telephone solicitations to residential subscribers. A “telephone solicitation” excludes calls made with the person’s prior express invitation or permission, calls to someone with whom you have an established business relationship, and calls by tax-exempt nonprofits. The FTC’s TSR, at 16 CFR 310.4(c), sets the same window for telemarketing calls to a residence made “without the prior consent of a person”.

Two states are stricter, and both name insurance agents. Florida’s Telemarketing Act, section 501.616(6), bars a commercial telephone solicitation call (an unsolicited sales call, as section 501.603 defines it) before 8 a.m. or after 8 p.m. in the called person’s time zone. It also bars more than three such calls from any number to a person over 24 hours on the same subject, “regardless of the phone number used”. Section 501.604(8) exempts licensed insurance agents soliciting within their licence from most of the Act, but expressly not from 501.616(6) and (7). The 8 p.m. stop and the three-call cap still apply to a licensed agent. Washington’s RCW 80.36.390 bars calls received before 8:00 a.m. or after 8:00 p.m. at the recipient’s local time. It treats each insurance agent who keeps a separate list as a company, and requires callers to identify themselves, the company and the purpose within 30 seconds. It covers only unsolicited calls, and its definition excludes, among others, calls made in response to the person’s request or inquiry (including calls about something they bought from you in the previous 12 months) and business-to-business contacts.

That makes the compliance cell in the ranked table practical. A 9:00 p.m. area-code block on its own, which is what PhoneBurner’s FAQ describes, would not stop an 8:30 p.m. call to a Florida number, so ask how to set an earlier stop. CallTools, Readymode and Convoso document per-state calling rules that you configure for each state. Our page on online checkbox consent for TCPA robocalls covers the consent side of web quote forms.

Is the FCC one-to-one consent rule in force for insurance leads?

No. As at 2 November 2026, the one-to-one consent rule is not in force, and it never took effect. The FCC’s order in the Federal Register of 29 August 2025 records that the Eleventh Circuit vacated the first paragraph of the 2023 rewrite of the prior express written consent definition. That rewrite would have required consent to one seller at a time. The court’s mandate issued on 30 April 2025, and the FCC reinstated the prior definition, noting that “the revised rule had not gone into effect”. The definition in force at 47 CFR 64.1200(f)(9) still requires a signed written agreement that clearly authorises the seller to make such calls, names the phone number and discloses that signing is not a condition of purchase.

One change is close. An FCC order published on 26 October 2026 takes effect on 25 November 2026. It lets callers designate an exclusive way to revoke consent: an automated voice or key-press opt-out, a reply text using a standard word such as “stop”, or a designated website or phone number. It must be disclosed on the call or text. A revocation in response to a telemarketing call or text revokes consent to all future telemarketing calls and texts from that caller; one made in response to an informational call or text can be treated as covering only that category. Callers that designate no exclusive method must keep accepting any reasonable one. Requests must still be honoured within ten business days. A further FCC proposal asks whether to shorten that period; comments close on 25 November 2026.

What five producers pay on published list prices

Only PhoneBurner and Readymode publish seat prices, so this worked example costs five producers for 12 months at list price, as at 2 November 2026: seat price × 5 × 12.

Plan	Billed annually (5 seats, 12 months)	Billed monthly (5 seats, 12 months)	Annual saving on the vendor’s figures
PhoneBurner Standard	US$8,400	US$9,900	15.2%
PhoneBurner Professional	US$9,900	US$11,700	15.4%
PhoneBurner Premium	US$10,980	US$12,900	14.9%
Readymode Starter	US$11,940	US$14,340	16.7%
Readymode iQ	US$14,940	US$17,940	16.7%

The rows include different things. Readymode’s Starter seat includes up to 30 phone numbers per licence, iQ up to 75, and buyers of three or more licences get implementation and training. Its annual plan covers licence fees only; overages and phone-number fees can be extra, and inbound minutes are US$0.02 a minute on both plans. Its comparison table lists integrations only on iQ, so an agency that needs its dialler to write to a CRM should price the iQ row. PhoneBurner’s seat includes its CRM, and SMS (1,000 outbound a month, then US$15 per 1,000) comes only on Premium. Phone numbers and its ARMOR® spam-flag service are add-ons. To turn these into a cost per conversation, divide by your own connected calls: at PhoneBurner’s stated ceiling of 80 dials an hour, a producer dialling four hours a day for 21 working days (our assumption) places at most 6,720 dials a month, and your connect rate decides the rest.

Frequently asked questions

What is the best power dialer for insurance agents?

Our platform pick is Zian AI, with LeadsNow.ai as the done-for-you option. Among the five diallers we compared, PhoneBurner is the single-line pick with a published price from US$140 a user a month billed annually; Readymode publishes predictive plans from US$199; Kixie, CallTools and Convoso quote. Prices as at 2 November 2026.

Does a power dialer break the 3% abandoned-call rule?

A single-line power dialler connects the producer to every answered call, so the abandonment arithmetic is rarely the problem. Multi-line and predictive modes must keep abandoned calls to no more than 3% of live-answered calls per campaign per 30 days, under 47 CFR 64.1200(a)(7), with a producer on the line within 2 seconds of the greeting.

Is the FCC one-to-one consent rule in effect?

No. The Eleventh Circuit vacated it, and the FCC restored the earlier consent definition in an order published on 29 August 2025, noting the revised rule had not gone into effect. Consent must still clearly authorise the seller.

What time can insurance agents make sales calls?

Under federal rules, telephone solicitations may run from 8 a.m. to 9 p.m. at the called person’s location. For unsolicited calls, Florida and Washington stop at 8 p.m., and Florida caps calls at three in 24 hours on the same subject, and its exemption for licensed insurance agents does not lift either limit under section 501.604.

Which power dialer integrates with AgencyZoom?

None of the five we compared names AgencyZoom in the sitemap URLs or integration pages we read on 2 November 2026. Readymode names RadiusBob, an insurance CRM; CallTools connects insurance platforms through its open API or middleware; most also offer Zapier.

Can an AI agent replace my power dialer?

For first contact and follow-up on consented leads, often yes: Zian’s agents place the call, handle voicemail and book the appointment. An AI voice is an artificial voice under the TCPA, so telemarketing to a mobile or a residential line needs prior express written consent. Keep a dialler for calls a licensed producer must make.

Where every figure on this page comes from

Figure	Who published it	Link	Date read
PhoneBurner US$140 / US$165 / US$183 annual; US$165 / US$195 / US$215 monthly; SMS 1,000/mo then $15 per 1,000	PhoneBurner	phoneburner.com/pricing	2 Nov 2026
PhoneBurner “single-line dialer”; up to 80 contacts per hour; 9:00 p.m. area-code block; US and Canada only; DNC.com scrub	PhoneBurner	phoneburner.com/faq	2 Nov 2026
PhoneBurner “up to 80 dials/hour”	PhoneBurner	phoneburner.com/power-dialer	2 Nov 2026
“100–200+ dials per hour per rep on multiple lines”; “dial several lines simultaneously”	PhoneBurner	phoneburner.com/auto-dialer-software	2 Nov 2026
Readymode US$239 / US$199 Starter, US$299 / US$249 iQ; 30 and 75 numbers per licence; “20% off”; implementation for 3+ licences; fair use and extra fees	Readymode	readymode.com/pricing	2 Nov 2026
Readymode four dialling modes; speed adjusted on abandon rates	Readymode	readymode.com/platform/predictive-dialer	2 Nov 2026
Kixie 1 line and up to 4 lines; 7-day trial; add-ons; unlimited US and Canada minutes on every plan	Kixie	kixie.com/pricing	2 Nov 2026
Kixie seat prices “quoted per team”	Kixie	kixie.com/llm-info	2 Nov 2026
Kixie 30-day abandonment measurement advice for insurance agents	Kixie	kixie.com sales blog	2 Nov 2026
CallTools quote, seat-based, no minimum seats, unlimited minutes	CallTools	calltools.com/pricing and calltools.com/power-dialer	2 Nov 2026
CallTools idle time “around 5%” against “roughly a third”	CallTools	calltools.com/predictive-dialer	2 Nov 2026
CallTools state calling windows, holiday calendar, state-list scrubs	CallTools	calltools.com/compliant-call-center-features	2 Nov 2026
Convoso 20% off annual; no free trial; carrier fees separate	Convoso	convoso.com/pricing	2 Nov 2026
Convoso StateTracker daily contact limits by area and zip code	Convoso	convoso.com/statetracker-mini-tcpa-tool	2 Nov 2026
3% abandonment; 2 seconds; 15 seconds or 4 rings; 8 a.m.–9 p.m.; consent definition	FCC (eCFR, current to 29 Oct 2026)	47 CFR 64.1200	2 Nov 2026
TSR 8:00 a.m.–9:00 p.m.; 3% safe harbour; 31-day registry version	FTC (eCFR)	16 CFR 310.4	2 Nov 2026
One-to-one rule: consent to “a single seller at a time”	FCC, Federal Register	89 FR 87982	2 Nov 2026
One-to-one rule vacated; mandate 30 April 2025; prior definition reinstated 29 Aug 2025	FCC, Federal Register	90 FR 42137	2 Nov 2026
Exclusive revocation methods effective 25 Nov 2026; ten business days	FCC, Federal Register	91 FR 67214	2 Nov 2026
Comments on shortening the revocation period close 25 Nov 2026	FCC, Federal Register	91 FR 67239	2 Nov 2026
AI voices are “artificial or prerecorded voice” under the TCPA	FCC, Federal Register (Sept 2024 proposal)	2024-19028	2 Nov 2026
Florida 8 a.m.–8 p.m.; three calls in 24 hours	Florida Legislature	Fla. Stat. 501.616	2 Nov 2026
Florida insurance-agent exemption, except 501.616(6) and (7)	Florida Legislature	Fla. Stat. 501.604	2 Nov 2026
Washington 8:00 a.m.–8:00 p.m.; each insurance agent treated as a company; 30-second identification	Washington State Legislature	RCW 80.36.390	2 Nov 2026
28x more contact attempts; 926% increase in follow-ups; 40+ meetings a week	Zian AI	zian.ai home page	2 Nov 2026
Under 60 seconds, 24/7; 50,769+ appointments; pay-per-result	LeadsNow.ai	leadsnow.ai	2 Nov 2026

General information as at 2 November 2026, not legal advice. Calling rules differ by state; confirm your set-up with counsel.