NowCertsvs
Applied Epic
Applied Epic: Deeper commercial lines handling, broader carrier download and real agency accounting, at several times the seat cost
NowCerts
Agency management system for independent insurance agencies, now sold as Momentum AMP
As of 31 August 2026, NowCerts starts at $99/month. A cloud agency management system for small and mid-sized independent property and casualty agencies. Softwr lists it under Insurance. NowCerts is made by Momentum (formerly NowCerts Inc.), available on Web, iOS, Android.
Overview
What NowCerts does
NowCerts is a browser-based agency management system for independent insurance agencies, covering client and policy records, ACORD forms, certificate issuance, commission reconciliation, renewal tracking and a self-service insured portal. It was built for agencies that found Applied Epic and AMS360 too heavy and too expensive to run. The fact that decides a shortlist here is the name. NowCerts Inc. rebranded to Momentum in November 2024, the product is now marketed as Momentum AMP, and the company then bought TrustedChoice.com in June 2025 and relaunched it as Momentum Edge. The nowcerts.com domain still resolves and existing agencies still call it NowCerts, but contracts, support and the pricing page are Momentum. If you are evaluating on the strength of older reviews written about NowCerts, you are reading about a product with a different owner strategy, one now pushing lead generation and a rating engine alongside the AMS. Buyers are one to twenty-person independent agencies, often personal lines or small commercial, frequently switching off spreadsheets or off a Vertafore product whose per-seat cost stopped making sense. Published pricing starts at 99 US dollars a month for a single user on Essentials, 169 for two users, 349 for five, with additional seats at 45 dollars each; that is genuinely cheaper than the incumbents. The trade-off is depth: accounting, carrier download breadth and commercial lines handling are thinner than Epic, and much of the agency-specific setup falls on you unless you buy the separate professional services retainer, which starts at 1,950 dollars a month.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.
Cross-shopped
What people choose instead of NowCerts
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- NowCertsvsEZLynx
EZLynx: Stronger comparative rating built into the management system, which suits personal lines agencies that quote heavily
- NowCertsvsHawkSoft
HawkSoft: Another small-agency AMS with a long independent track record and no recent rebrand to work around
Pricing
What NowCerts costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Essentials
$99 /mo
- 1 user included
- Additional seats 45 USD each
- Client and policy management
- ACORD forms and certificates
- Document storage
Professional
$169 /mo
- 2 users included
- Sales pipeline
- Renewal centre
- Agency dashboard and reports
Business
$349 /mo
- 5 users included
- Billing and accounting
- Commission reconciliation
- Workflow management
Enterprise
On request
- 50 or more users
- Quoted
- Additional seats 45 USD each
Capabilities
Features
Policy and client management
Household and business records with policy history, documents and tasks in one place
ACORD forms and certificates
Generates ACORD forms, certificates of insurance and auto ID cards from policy data
Commission reconciliation
Matches carrier commission statements against expected agency and producer splits
Insured self-service portal
Lets policyholders pull certificates and ID cards without an agency touch
Carrier download
Ingests policy and claims data from carriers via industry download connections
Momentum Automation Center
Workflow automation tier sold separately, with a free single-user level and paid levels at 99 and 199 dollars a month
Momentum Rate
Comparative rating add-on priced from roughly 100 to 300 dollars a month for two to eight users
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
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.
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.
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.
Keep looking
Where to go from NowCerts
- NowCerts alternativesEvery product people weigh against it
- NowCerts pricingPlans, floors and what the tiers exclude
- NowCerts badgesWhich rules it meets, and the figure behind each
- All Insurance softwareThe full category
- Best Insurance softwareThe shortlist, and how it was cut
Best Insurance software for
Compare NowCerts with
- Applied Epic
- EZLynx
- HawkSoft
- InsurancePro
- Jenesis Software
- QQCatalyst
- BriteCore
- Duck Creek
- Guidewire ClaimCenter
- Shift Technology
- Socotra
- Splice Software
- TurboRater
- Verisk
- Ivans
- Vertafore AMS360
- Indio
- Vertafore Content
Other Insurance software
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Pricing on request12 researched notesDigital commercial insurance applications and renewals for agencies and brokers
Pricing on request12 researched notes
Softwr does not host reviews and shows no star rating for NowCerts, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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