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Insurance · head to head

FINEOS vs NowCerts

FINEOS logo

FINEOS

Insurance

Insurance platform for life, health, and annuities

From
On request
Rated
-
Full reviewWebsite
NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: FINEOS focused exclusively on Life, Accident and Health insurance; not suitable for Property & Casualty insurance; NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • They diverge on capability: FINEOS covers Policy administration, NowCerts covers Policy and client management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which FINEOS and NowCerts actually diverge.

Attributes where FINEOS and NowCerts differ
AttributeFINEOSNowCerts
Starting priceOn request$99/month
Pricing modelsubscriptionPer month by seat band
PlatformsCloud (SaaS)Web, iOS, Android
Founded1993Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in FINEOS

  • Policy administration
  • Claims processing
  • Billing and collections
  • Customer portal
  • Workflow automation
  • Document management
  • Advanced analytics
  • Mobile applications

Only in NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

What people use each for

The jobs each tool is most often brought in to do.

FINEOS

  • Policy administrationnot NowCerts
  • Claims processingnot NowCerts
  • Customer managementnot NowCerts
  • Regulatory compliancenot NowCerts

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot FINEOS
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot FINEOS
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot FINEOS
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot FINEOS

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

FINEOS

  • Focused exclusively on Life, Accident and Health insurance; not suitable for Property & Casualty insurance
  • Complex implementation; requires significant configuration for enterprise deployments

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

Pricing, plan by plan

FINEOS

On request
  • Policy Administration$undefined/month
    • Policy management
    • Billing and collections
    • Customer portal
  • Claims Management$undefined/month
    • Claims processing
    • Workflow automation
    • Adjuster tools
  • Enterprise Suite$undefined/month
    • All modules
    • Advanced customization
    • Multi-line support

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

Which should you pick?

Choose FINEOS if

  • You need policy administration.
  • You work on Cloud (SaaS).
  • You also want claims processing.
FINEOS review

Choose NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Questions people ask

Is FINEOS or NowCerts better?
Neither clearly leads. FINEOS starts at On request and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FINEOS or NowCerts?
FINEOS starts at On request and NowCerts at $99/month.
Does FINEOS or NowCerts run on more platforms?
FINEOS runs on Cloud (SaaS). NowCerts runs on Web, iOS, Android.
What is FINEOS best used for?
FINEOS is most often used for policy administration, claims processing, customer management, regulatory compliance. Of those, policy administration and claims processing are not what NowCerts is typically brought in for.
What can FINEOS do that NowCerts cannot?
FINEOS covers Policy administration, Claims processing, Billing and collections, Customer portal. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

FINEOS: What types of insurance does FINEOS support?

FINEOS AdminSuite is designed specifically for Life, Accident and Health insurance, serving group, voluntary, and individual markets in the employee benefits space.

Source
NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

FINEOS: Is FINEOS a single integrated system?

Yes. FINEOS AdminSuite integrates disability and absence management, billing, claims, payments, policy administration, provider solutions, and rating/underwriting into one unified platform for managing the insurance lifecycle.

Source
NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

FINEOS: Can FINEOS Claims work standalone?

Yes. FINEOS Claims is available as a standalone SaaS system that can integrate into any policy administration system, including FINEOS Policy or third-party systems.

Source
NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

FINEOS: What does FINEOS provide for absence management?

FINEOS provides integrated disability and absence management capabilities within AdminSuite, coordinating with claims, billing, and policy administration for streamlined employee absence administration.

Source
NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

FINEOS: Does FINEOS support API integration?

Yes. FINEOS Digital Ecosystem provides APIs for integrating health and life insurance functionality with external systems and applications.

Source
FINEOS: What is the cloud delivery model for FINEOS?

FINEOS AdminSuite is delivered as a cloud-native SaaS platform with 24/7 digital service capability.

Source
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