Software · head to head
PolicyGenius vs Bold Penguin
The short version
- Each has a real cost: PolicyGenius pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.; Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance
- They diverge on capability: PolicyGenius covers Quote comparison, Bold Penguin covers Multi-carrier quoting.
Where they differ
Only the attributes on which PolicyGenius and Bold Penguin actually diverge.
| Attribute | PolicyGenius | Bold Penguin |
|---|---|---|
| Pricing model | freemium | transaction |
| Founded | 2014 | 2019 |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).
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 PolicyGenius
- Quote comparison
- Policy application
- Digital underwriting
- Policy management
- Claims filing
- Document storage
- Expert advisors
- Banking systems
Only in Bold Penguin
- Multi-carrier quoting
- Instant quotes
- Online binding
- Customer portal
- Commission tracking
- API access
- Reporting
- Agency management systems
Both cover
- Mobile app
- Multiple carriers
- Cloud deployment
- Web support
- Ios support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
PolicyGenius
- Life insurance shoppingnot Bold Penguin
- Home insurance comparisonnot Bold Penguin
- Policy managementnot Bold Penguin
- Financial protectionnot Bold Penguin
Bold Penguin
- Routing and triaging commercial insurance submissionsnot PolicyGenius
- Automating submission to bind through the Terminal platformnot PolicyGenius
- Handling complex middle market submissions with SubmissionLinknot PolicyGenius
- Policy checking with ClauseLinknot PolicyGenius
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
PolicyGenius
- Pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.
Bold Penguin
- Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
- Pricing is not published
Pricing, plan by plan
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
Bold Penguin
Free- Broker AccessFree
- Multi-carrier quotes
- Instant quoting
- Commission tracking
Which should you pick?
Choose PolicyGenius if
- You need quote comparison.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want policy application.
Choose Bold Penguin if
- You need multi-carrier quoting.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want instant quotes.
Questions people ask
- Is PolicyGenius or Bold Penguin better?
- Neither clearly leads. PolicyGenius starts at Free and Bold Penguin at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, PolicyGenius or Bold Penguin?
- PolicyGenius starts at Free and Bold Penguin at Free.
- Does PolicyGenius or Bold Penguin run on more platforms?
- Both run on Web, Ios, Android, so platform support will not decide this one for you.
- Can I use PolicyGenius for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is PolicyGenius best used for?
- PolicyGenius is most often used for life insurance shopping, home insurance comparison, policy management, financial protection. Of those, life insurance shopping and home insurance comparison are not what Bold Penguin is typically brought in for.
- What can PolicyGenius do that Bold Penguin cannot?
- PolicyGenius covers Quote comparison, Policy application, Digital underwriting, Policy management. Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. Both handle Mobile app, Multiple carriers, Cloud deployment, Web support.
Related pages
More on PolicyGenius
More on Bold Penguin
Keep looking
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