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Insurance · head to head

Five Sigma vs NowCerts

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
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: 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.; 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: Five Sigma covers Claim file management, 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 Five Sigma and NowCerts actually diverge.

Attributes where Five Sigma and NowCerts differ
AttributeFive SigmaNowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWeb, APIWeb, iOS, Android

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 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.

Five Sigma

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

NowCerts

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

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

Five Sigma

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

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 Five Sigma if

  • You need claim file management.
  • You work on Web, API.
  • You also want automation rules.
Five Sigma 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 Five Sigma or NowCerts better?
Neither clearly leads. Five Sigma 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, Five Sigma or NowCerts?
Five Sigma starts at On request and NowCerts at $99/month.
Does Five Sigma or NowCerts run on more platforms?
Five Sigma runs on Web, API. NowCerts 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 NowCerts is typically brought in for.
What can Five Sigma do that NowCerts cannot?
Five Sigma covers Claim file management, Automation rules, Adjuster decision support, Vendor and litigation management. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

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.

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.

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.

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.

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.

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.

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.

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