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Insurance · head to head

Five Sigma vs Policyholders

Five Sigma logo

Five Sigma

Insurance

Cloud claims management with decision support aimed at insurers who cannot fund a full core programme

From
On request
Rated
-
Full reviewWebsite
P

Policyholders

Insurance

Insurance platform for brokers and agents

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • They diverge on capability: Five Sigma covers Claim file management, Policyholders covers Policy management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Five Sigma and Policyholders actually diverge.

Attributes where Five Sigma and Policyholders differ
AttributeFive SigmaPolicyholders
Starting priceOn request$99/month
Pricing modelquotesubscription
PlatformsWeb, APIWeb, Ios, Android
FoundedUnknown2010

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 Five Sigma

  • Claim file management
  • Automation rules
  • Adjuster decision support
  • Vendor and litigation management
  • Configurable lines
  • Reporting and data export

Only in Policyholders

  • Policy management
  • Client management
  • Commission tracking
  • Document storage
  • Task management
  • Calendar integration
  • Reporting and analytics
  • Mobile app

What people use each for

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

Five Sigma

  • A third-party administrator replacing a homegrown claims system without a multi-year programmenot Policyholders
  • An MGA taking claims handling in house from a delegated authority arrangementnot Policyholders
  • A mid-sized carrier that needs a modern claims system but cannot fund a core suite replacementnot Policyholders
  • A programme business that must report claims data to capacity providers in a consistent formatnot Policyholders

Policyholders

  • Policy administrationnot Five Sigma
  • Client managementnot Five Sigma
  • Commission trackingnot Five Sigma
  • Agency operationsnot Five Sigma

Where each one falls short

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

Five Sigma

  • The reference base is small compared with established claims vendors, so procurement and audit committees will ask for viability assurances you cannot fully answer.
  • Automation benefits depend entirely on your claim mix, and a book with high-complexity liability claims sees far less handling time reduction than a high-volume property book.
  • There is almost no third-party integrator market, so implementation, configuration and later changes route through the vendor and its capacity becomes your constraint.
  • Deep integration with legacy policy systems is your responsibility, and claims platforms are only as useful as the policy and coverage data flowing into them.
  • Regulatory reporting for many United States states is not as complete out of the box as it is on platforms that have served American carriers for decades, so expect some reporting build.

Policyholders

Nothing recorded yet. See the Policyholders review.

Pricing, plan by plan

Five Sigma

On request
  • Five Sigma Claims$undefined/year
    • Claims administration
    • Automation and decision support
    • Configurable lines of business

Policyholders

$99/month
  • Starter$99/month
    • Policy management
    • Client tracking
    • Basic reporting
  • Professional$299/month
    • All Starter features
    • Commission tracking
    • Advanced analytics

Which should you pick?

Choose Five Sigma if

  • You need claim file management.
  • You work on Web, API.
  • You also want automation rules.
Five Sigma review

Choose Policyholders if

  • You need policy management.
  • You work on Web, Ios, Android.
  • You also want client management.
Policyholders review

Questions people ask

Is Five Sigma or Policyholders better?
Neither clearly leads. Five Sigma starts at On request and Policyholders at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Five Sigma or Policyholders?
Five Sigma starts at On request and Policyholders at $99/month.
Does Five Sigma or Policyholders run on more platforms?
Five Sigma runs on Web, API. Policyholders runs on Web, Ios, Android.
What is Five Sigma best used for?
Five Sigma is most often used for a third-party administrator replacing a homegrown claims system without a multi-year programme, an mga taking claims handling in house from a delegated authority arrangement, a mid-sized carrier that needs a modern claims system but cannot fund a core suite replacement, a programme business that must report claims data to capacity providers in a consistent format. Of those, a third-party administrator replacing a homegrown claims system without a multi-year programme and an mga taking claims handling in house from a delegated authority arrangement are not what Policyholders is typically brought in for.
What can Five Sigma do that Policyholders cannot?
Five Sigma covers Claim file management, Automation rules, Adjuster decision support, Vendor and litigation management. Policyholders covers Policy management, Client management, Commission tracking, Document storage.

Answered from the vendors’ own pages

Five Sigma: Who is the typical buyer?

Third-party administrators, MGAs and small to mid-sized carriers that need a real claims system without a core suite budget.

Five Sigma: How does it compare with Guidewire ClaimCenter?

ClaimCenter has far more depth, references and integrator support, and costs correspondingly more with a longer implementation. Five Sigma competes on time to live.

Five Sigma: What should we test in a pilot?

Adjuster handling time on your own claim mix. The commercial case rests on that measurement, not on the feature list.

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