How do Polca and Agent Autopilot compare?
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| Polca | Agent Autopilot | |
|---|---|---|
| What it is | AI platform for life insurance agencies: Ava, an AI appointment setter, plus a branded power dialer and lead, policy and commission records. | “Your AI agents book the appointments. You just close.” |
| Built for | Life insurance agencies and independent agents selling by phone (final expense, mortgage protection, IUL, veterans life). | Life and health, Medicare, final expense, IMOs and FMOs; mentions mortgage protection, IUL and annuities. |
| What the AI does | AI voice: calls the agency's fresh and aged leads under its name, books on agents' calendars, answers callbacks 24/7, live-transfers to a rep. AI texting (Ava Texting): replies and booking, confirmations, reminders, no-show and missed-call texts. | Two-way AI texting, missed-call text-back and automated booking. Its site says the AI agents “call, text, and follow up” and also “The AI texts, you call.” |
| Also includes | Agent-paced power dialer with registered caller ID and rotated number pools; book of business, commissions, leaderboards, carrier quoting. GoHighLevel optional. | A built-in dialer through your own number; syncs leads and appointments both ways with your CRM (none named). |
| Pricing | Per seat per month, AI minutes bundled, no overage; month to month. Quote on a call | Published: Starter $197/month; Pro $1,970/year; Agency custom. |
| Compliance (as stated) | Enforces the agency's opt-out list, detected opt-outs, 9 a.m.–7 p.m. local calling, no Sundays, attempt caps, kill switch. Does not scrub the National DNC Registry. | Site states texting is consent-based opt-in with opt-out handling. |
| Best for | Agencies that want an AI to call their own consented leads under the agency's name and book onto agents' calendars, with the dialer and records on the same seat. | Solo agents who want fast text follow-up and aged-lead reactivation at a low flat monthly price. |
When is Agent Autopilot the better choice?
- You mainly want fast text follow-up on new and aged leads, and you'll make the calls yourself.
- You're a solo agent and want a low, published monthly price, with annual billing as an option.
- You want to keep your current CRM and add text automation alongside it.
When is Polca the better choice?
- You sell life insurance by phone and want an AI that calls your agency's own fresh and aged leads under your agency's name, answers callbacks at any hour and books onto your agents' calendars, with live transfer when a lead wants to talk now.
- You want the branded power dialer, the book of business, commissions and leaderboards on the same seat as the AI, with one opt-out list across all of it.
- You want AI minutes bundled with no overage, month to month, and the 30-in-30 guarantee on new AI seats.
- You want the AI itself to place the calls. Agent Autopilot's site describes AI that will “call, text, and follow up” and also “The AI texts, you call”; ask them which applies to your plan.
What should you ask both?
- Can I hear unedited recordings of booked calls, and see results traced to written policies?
- Does the AI place voice calls, send texts, or both?
- What does the lead see on caller ID, and who manages number health?
- What happens when a lead wants to talk now?
- Which consent does each list need, and who checks it?
- Who scrubs against the National DNC Registry?
- What does a busy month cost? Are minutes or calls billed as overage?
- Is it month to month? Is there a setup fee?
What has Polca's AI setter produced?
Per agent on Ava, each month (as of November 2026): 46 appointments booked by Ava, 5 clients signed by the agent (about 11% of booked appointments), and $9,856 in annual premium (AP) written, about $118,000 a year. That is about $10 of AP written for every $1 spent on Ava (9.9×, measured against what the agency pays for Ava). Top agents are on pace for $134,000 to $137,000 a year of AP from Ava-booked appointments.
Ava booked the appointment; the agent signed the client. A signed client counts when the agent signed them within 60 days of the appointment Ava booked; AP counts everything signed. Source: production records of the agency Polca was built in. Individual results vary. Hear real booked calls.
Common questions
Is Agent Autopilot an AI caller or a texting tool?
Its site leads with AI texting and missed-call text-back, and says “The AI texts, you call,” while also describing AI that will “call, text, and follow up.” Ask them on a demo.
How much does Agent Autopilot cost?
Its site listed Starter at $197 a month and Pro at $1,970 a year, with Agency pricing custom, on November 3, 2026.
Is Polca an alternative to Agent Autopilot?
Yes, for agencies that want an AI voice to call and book their leads, plus a branded dialer and agency records on the same seat.
Sources
Hear Ava before you decide.
Polca's AI appointment setter calls your leads under your agency's name and books meetings on your agents' calendars. The licensed conversation stays with your agent.
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