How do Polca and Closelio compare?
Polca publishes this page, and we make one of the products on it. Every fact about another company comes from that company's own website, checked on November 3, 2026, and links to the page it came from. Where we couldn't verify something there, we left it out. Prices and features change; check the vendor's site before you buy. Spot an error? Email hello@polca.ai and we'll fix it.
| Polca | Closelio | |
|---|---|---|
| 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. | “The AI that calls your leads and books your appointments.” |
| Built for | Life insurance agencies and independent agents selling by phone (final expense, mortgage protection, IUL, veterans life). | Insurance agents: final expense, mortgage protection, IUL, veterans and more (FAQ). |
| 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. | AI voice and AI SMS campaigns by lead type; hot transfers to the agent's cell; books into Google Calendar (voice AI page). |
| Also includes | Agent-paced power dialer with registered caller ID and rotated number pools; book of business, commissions, leaderboards, carrier quoting. GoHighLevel optional. | Multi-line power dialer (5, 10 or 15 lines); pipeline, book of business and commissions (Agent Hub). |
| Pricing | Per seat per month, AI minutes bundled, no overage; month to month. Quote on a call | Published: Starter $149/mo, Pro $369/mo, Scale $559/mo; AI voice priced per call; A2P registration $61 once plus $10/mo (pricing). |
| 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 says consent is recorded before every dial and text, quiet hours are honored, and STOP and opt-outs are handled automatically. |
| 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. | Agents who want AI voice plus AI texting and a multi-line dialer at a published, self-serve price. |
When is Closelio the better choice?
- You want AI texting campaigns as well as AI calls, by lead type.
- You want a multi-line dialer (5, 10 or 15 lines) for your human agents.
- You want to sign up yourself at a published price, starting at $149 a month, with an annual discount.
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 inbound callbacks answered by the AI around the clock, and a booked appointment kept as a backup when a live transfer doesn't connect. (The Closelio pages we checked describe outbound AI calls; ask them about inbound.)
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
Polca vs Closelio: which is better for life insurance agents?
Closelio if you want AI texting plus a multi-line dialer at a published self-serve price. Polca if you want AI calling with 24/7 callbacks, live transfer, registered caller ID and agency records on one seat, with minutes bundled.
How much does Closelio cost?
Its pricing page listed Starter at $149, Pro at $369 and Scale at $559 a month on November 3, 2026, with AI voice priced per call.
Do both work for final expense and mortgage protection?
Yes. Both list final expense, mortgage protection, IUL and veterans leads.
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.
Book a call → Hear Ava call you