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LegacyCore vs unLocked CRM

unLocked CRM is a multi-line insurance CRM with quoting, e-apps, a dialer, AI voice and carrier sync on per-user plans. LegacyCore is the Final Expense Agency Operating System: carrier application entry, book health, chargebacks and conservation across a downline, on flat monthly plans. Facts checked 2026-10-29.

By Joseph Santos, founder of LegacyCore · Reviewed 2026-10-29

What unLocked CRM is built for

unLocked CRM describes itself as an AI-focused insurance CRM for independent agents, agencies, IMOs, FMOs and recruiters. It covers life, annuity, Medicare Advantage, Medigap, ACA, private health, hospital indemnity, and dental, vision and hearing. Teams can work in the CRM or through AI assistants such as Claude and ChatGPT, with unLocked kept as the system of record.

Its final expense page lists final expense quoting under life, telesales workflows such as voice signature and phone point-of-sale interviews, and day-of dialing for direct-mail and Facebook leads.

What LegacyCore is built for

LegacyCore is the Final Expense Agency Operating System, for licensed agencies with 5 or more agents across several carriers. The SI Closer answers inbound calls, qualifies callers and books them with a licensed agent. The Portal Worker fills carrier applications and stops before the final Submit. Book Health checks connected carrier portals for lapse signals, missed payments and pending requirements, and Conservation SI drafts follow-up that a person approves before it sends. Agents, managers and admins each see their part of the same book.

Side by side, as of 2026-10-29

Each row was checked against the vendor's own public pages on 2026-10-29, and each row links its sources. Unconfirmed means the vendor's pages do not state it, or state it in ways that conflict. Features and prices change, so confirm details with each vendor before you decide.

Focus

LegacyCore

Final expense agencies with a downline, from the carrier application to retention.

unLocked CRM

A multi-line insurance CRM for agents, agencies, IMOs, FMOs and recruiters.

Source: unlockedcrm.ai

Quoting

LegacyCore

Not part of the published plans.

unLocked CRM

Standard quoters on every plan, and an AI Quoting Suite on Pro and Max, with rate tables updated daily. Carrier counts differ between its pages.

Source: unlockedcrm.ai/pricing, unlockedcrm.ai/ai-quoting-suite

Application entry and e-signature

LegacyCore

The Portal Worker pre-fills applications inside the carrier's own portal on 6 carriers (Americo, Mutual of Omaha, Transamerica, Corebridge, American Amicable and Ethos) and stops before the final Submit for the agent to approve. An e-signature tool is not part of the published plans.

unLocked CRM

E-apps prefilled from the quote and contact, signed on the client's phone and submitted to the carrier from inside the CRM, for life, Medicare Advantage, Medicare Supplement and ancillary lines. Which plan includes e-apps: Unconfirmed, because its pages conflict.

Source: unlockedcrm.ai/documents-eapps, unlockedcrm.ai/independent-agents

Dialer, texting and email

LegacyCore

Not part of the published plans.

unLocked CRM

A power dialer on Core and above, with built-in calling, texting and email.

Source: unlockedcrm.ai/pricing

Voice agents

LegacyCore

The SI Closer answers inbound calls, qualifies callers and books them with a licensed agent, who writes the policy (Scale and Enterprise). It does not live transfer, and outbound calling is not live yet.

unLocked CRM

Agent AI places outbound calls in a cloned voice (qualifies, handles objections, live transfers, books appointments and logs notes), and Arwyn answers inbound calls. Both need Pro or higher and cost $0.10 a minute.

Source: unlockedcrm.ai/product, unlockedcrm.ai/pricing

Carrier book and status sync

LegacyCore

Book Health checks each connected carrier portal for lapse signals, missed payments and pending requirements, for one carrier or all of them at once. Status syncs have run in production for Americo, Mutual of Omaha and Transamerica. Carrier portals are set up during implementation, after a written authorization for each one.

unLocked CRM

Policy Auto-Sync on Max keeps portal logins in a vault, handles email and SMS two-factor codes, and pulls the book and each policy's status; it lists 332 carrier integrations. How often it runs and which carriers it covers: Unconfirmed, not published.

Source: unlockedcrm.ai/policy-auto-sync

Commission tracking

LegacyCore

The Monday book report covers AP written and commission paid, and Chargeback Watch shows advances still at risk. Carrier statement import is not part of the published plans.

unLocked CRM

Commission+ pulls statements through portal logins, a statement inbox, a connector or file upload, flags missing payments and handles downline and GA/MGA overrides. Which plan includes it: Unconfirmed, because the page names both Max and every plan.

Source: unlockedcrm.ai/commissions-tracking

Chargebacks

LegacyCore

Chargeback Watch is included from Growth, and Book Health flags missed payments and lapse signals read from the carrier portals.

unLocked CRM

Chargeback alerts by carrier and amount in Commission+, found through statement reconciliation, and early-lapse chargeback tracking on Max.

Source: unlockedcrm.ai/commissions-tracking, unlockedcrm.ai/final-expense-crm

Lapse and retention follow-up

LegacyCore

Conservation SI drafts follow-up to clients on at-risk policies. A person approves it before it sends, and each contact is logged (Scale and Enterprise). Persistency is measured from payment records and carries a confidence label.

unLocked CRM

A revenue-at-risk view for policies likely to lapse, missed-renewal flags, retention trends and renewal-reminder automations. A conservation or save workflow: Unconfirmed, not described.

Source: unlockedcrm.ai/commissions-tracking

Downline views

LegacyCore

One book with three role-scoped views on every plan. An agent sees their own book, a manager their team, an admin every manager and agent.

unLocked CRM

Agency management on Max; the Agency/IMO tier adds multi-agent management and downline tracking, and a help article covers downline overrides.

Source: unlockedcrm.ai/pricing

AI assistant connector (MCP)

LegacyCore

A remote MCP server with more than 100 tools on every plan. You choose read only or read and act; full access is for admins.

unLocked CRM

An MCP server with OAuth 2.0 or a scoped API key and read and write scopes per resource, included on Pro and Max.

Source: unlockedcrm.ai/mcp-server

Licensing, recruiting and client portal

LegacyCore

Not part of the published plans.

unLocked CRM

Licensing with NIPR sync, recruiting pipelines, SOA and consent forms, a public API, and a client portal and white label on Max.

Source: unlockedcrm.ai/product

Mobile

LegacyCore

A mobile-first web app. The Portal Worker runs on a computer paired to the agent's account.

unLocked CRM

A native mobile app is Unconfirmed; no app or help article was found on its site.

Source: unlockedcrm.ai/help

Pricing

LegacyCore

Flat monthly plans, not per seat. Growth $499 a month plus $2,500 implementation, Scale $999 plus $3,500, Enterprise from $1,999 plus $5,000. The implementation fee comes back as a credit on the first 3 monthly invoices, up to the plan price each month. No free trial; a demo comes first.

unLocked CRM

Core $69, Pro $149 and Max $247 per user per month, 20% off with annual billing, Agency/IMO by quote, a 14-day free trial, and usage fees for calls, texts and AI voice minutes.

Source: unlockedcrm.ai/pricing

Where unLocked CRM is stronger

  • More product lines: Medicare, ACA, health and ancillary as well as life and final expense.
  • Quoting, and e-apps signed on the client's phone, inside the CRM.
  • A built-in power dialer, texting and email.
  • Outbound AI calling with live transfer. LegacyCore does not offer outbound calling or live transfer today.
  • A longer stated list of carrier integrations for book, status and commission sync.
  • Licensing with NIPR sync, and recruiting pipelines.
  • A self-serve 14-day trial and a lower starting price for a solo agent or a small team.

Where LegacyCore differs

  • It is built for final expense agency owners with 5 or more agents, not for every insurance line.
  • The Portal Worker works inside the carrier's own portal and leaves the final Submit to the agent.
  • Conservation SI drafts the follow-up on at-risk policies, and a person approves it before it sends.
  • Setup is done for you: carrier portals and workflows are configured during implementation.
  • The monthly price is flat, so it does not change as the team adds agents.
  • It works alongside an existing CRM, and how records are matched is confirmed during setup.

Which one fits

  • unLocked CRM may fit a solo agent or a small team that writes several lines and wants quoting, e-apps, dialing and AI calling in one per-user CRM, with a free trial first.
  • LegacyCore may fit a final expense agency owner with 5 or more agents who wants carrier application entry, policy status, chargebacks and conservation across the downline at a flat monthly price, with setup done for them.
  • Some agencies may run both: a CRM for selling, and LegacyCore for the carrier side and retention. Ask each vendor how records move between them.
  • Check your carriers first. The Portal Worker fills applications on 6 carriers today, and carrier access is confirmed during setup.

Sources, checked 2026-10-29

unLocked CRM facts come from its own public pages. LegacyCore facts come from our pricing and product pages. Confirm anything that matters to you with each vendor.

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