Which AI is right for your insurance brokerage? A practical guide to the models that matter in 2026

Which AI is right for your insurance brokerage? A practical guide to the models that matter in 2026

Pricing at a glance

AI platform costs · June 2026 · USD per user/month

Pricing comparison: main AI platforms

Subscription tiers only. Enterprise pricing negotiated separately for all platforms.

Free tier

Standard paid

Power user

Hidden / watch out

ChatGPT

OpenAI · GPT-5.5

Free

$20 Plus

$200 Pro

Teams $25/seat


Claude

Anthropic · Opus 4.8

Free

$20 Pro

$100 Max 5×

$200 Max 20×

Enterprise: sales


Gemini

Google · 2.5 Pro

Free

$20 Pro

$250 Ultra

+$30–36 Workspace

 

Enterprise requires Google Workspace base subscription — add $14–22/user/mo to the figures above.


Copilot

Microsoft · M365

Basic

$20 Personal

$30 Business

True cost ~$42.50 all-in

 

Copilot Business requires M365 base subscription (~$12.50/user/mo). Total cost is 2–4× a standalone Claude or ChatGPT plan.


Grok

xAI · Grok 4

Free

$30 SuperGrok

$300 Heavy

Enterprise: sales


DeepSeek

Chinese open-source

Free / very low API

Not for client data — stored in China

ChatGPT (GPT-5.5) – the familiar workhorse

GPT-5.5 is the model most people started with, and for many teams it’s still the default. That’s not just inertia – it genuinely handles a wide range of tasks well. Drafting, summarising, researching, building workflows: it’s the most versatile of the main platforms, and its interface is the easiest to pick up. The Custom GPTs feature lets teams build tailored tools without a developer, useful for brokers who want a document-review assistant configured to their specific policy types or a first-draft generator for standard client letters.

Leave a Reply

Your email address will not be published. Required fields are marked *