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Insurance · head to head

NowCerts vs PolicyGenius

NowCerts logo

NowCerts

Insurance

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

From
$99/month
Rated
-
Full reviewWebsite
PolicyGenius logo

PolicyGenius

Insurance

Simplified insurance shopping platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only PolicyGenius has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; PolicyGenius not a SaaS product with pricing; operates as insurance marketplace
  • They diverge on capability: NowCerts covers Policy and client management, PolicyGenius covers Quote comparison.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and PolicyGenius actually diverge.

Attributes where NowCerts and PolicyGenius differ
AttributeNowCertsPolicyGenius
Starting price$99/monthFree
Pricing modelPer month by seat bandfreemium
Free tierNoYes
FoundedUnknown2014

Identical on both: platforms (Web, iOS, Android), 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 NowCerts

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

Only in PolicyGenius

  • Quote comparison
  • Policy application
  • Digital underwriting
  • Policy management
  • Claims filing
  • Document storage
  • Expert advisors
  • Mobile app

What people use each for

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

NowCerts

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

PolicyGenius

  • Life insurance shoppingnot NowCerts
  • Home insurance comparisonnot NowCerts
  • Policy managementnot NowCerts
  • Financial protectionnot NowCerts

Where each one falls short

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

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.

PolicyGenius

  • Not a SaaS product with pricing; operates as insurance marketplace
  • No subscription fees or recurring billing structure
  • Insurance premium quotes are non-binding and determined by underwriters

Pricing, plan by plan

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

PolicyGenius

Free
  • Free Quote ToolFree
    • Compare life insurance quotes
    • Home insurance quotes
    • Auto insurance quotes
  • Premium Support$undefined/month
    • Expert advisor consultation
    • Personalized recommendations
    • Policy comparison

Which should you pick?

Choose NowCerts if

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

Choose PolicyGenius if

  • You need quote comparison.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want policy application.
PolicyGenius review

Questions people ask

Is NowCerts or PolicyGenius better?
Neither clearly leads. NowCerts starts at $99/month and PolicyGenius at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or PolicyGenius?
PolicyGenius has a free tier; the other does not. Paid plans start at $99/month for NowCerts and Free for PolicyGenius.
Does NowCerts or PolicyGenius run on more platforms?
NowCerts runs on Web, iOS, Android. PolicyGenius runs on Web, Ios, Android.
Can I use PolicyGenius for free?
Yes. PolicyGenius has a free tier, so you can try it without paying. NowCerts starts at $99/month.
What is NowCerts best used for?
NowCerts is most often used for a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data, an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost, a commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account manager, a newly formed agency that wants an ams, a comparative rater and lead generation from one vendor rather than stitching three contracts together. Of those, a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data and an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost are not what PolicyGenius is typically brought in for.
What can NowCerts do that PolicyGenius cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. PolicyGenius covers Quote comparison, Policy application, Digital underwriting, Policy management.

Answered from the vendors’ own pages

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.

PolicyGenius: Does Policygenius charge for insurance quotes?

No. Policygenius provides free quotes tailored to your needs with support from licensed agents. Insurance policy premium quotes displayed are non-binding and determined by the underwriting insurance company. Source: https://www.policygenius.com

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.

PolicyGenius: How does Policygenius make money if quotes are free?

Policygenius operates as an insurance marketplace; commissions come from insurance carriers, not from customer quotes. All quote evaluations and initial consultations with licensed agents are free. Source: https://www.policygenius.com

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.

PolicyGenius: Are there any hidden fees for using Policygenius?

No hidden fees exist for quote requests or initial agent consultations on Policygenius. The only costs are insurance premiums from carriers, which are determined after underwriting review. Source: https://www.policygenius.com

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.

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