howardcrm.com

What It Is

HowardCRM is a CRM tailored for health insurance agents and agencies, with a particular focus on Medicare and ACA insurance sales scenarios. Built on the Salesforce.com platform by a team with an insurance industry background, it is not intended to be a generic customer database. Instead, it helps agents manage clients, household relationships, policies, plans, communication history, reminders, and reporting.

Core Features and Industry Fit

Based on the available materials, HowardCRM’s core modules include household/contact management, policy management, customer activity history, communication records, calendar and task reminders, mobile access, reports, and dashboards. Its vertical value is most evident at the insurance plan level: when a specific ACA or Medicare carrier or plan is discontinued, users can run reports to identify affected clients. The platform also says it builds plan information into the system, reducing the configuration burden for agents. User reviews frequently mention open enrollment periods, birthday/anniversary reminders, commission tracking, and follow-up task management, suggesting that it is best understood as a day-to-day operations workspace for insurance agents.

Pricing, Trial, and Deployment

The publicly listed price is $300/year, with a 30-day free trial available. Promotional pricing may also be available by phone. The terms of service indicate that fees are generally prepaid annually, and paid fees are typically non-refundable and non-cancelable. Payments can be charged via credit card or bank account. Deployment is cloud-based SaaS, built on Salesforce.com, and there is no visible self-hosted deployment option.

Security, Collaboration, and Extensibility

On security, HowardCRM only states that it relies on Salesforce.com’s enterprise-grade security and industry standards, but it does not disclose specific certifications such as HIPAA, SOC 2, or ISO 27001. For collaboration, the terms allow employees, contractors, or agents who have purchased access rights to use the service, but they do not explain role-based permissions, team hierarchies, or approval workflows. As for third-party integrations, aside from the Salesforce platform and insurance/medical third-party data sources, there is no visible information about APIs, webhooks, or developer documentation.

Pros, Cons, and Who It’s For

Its strengths are clear industry positioning, simple pricing, workflows designed around the real needs of Medicare/ACA agents, and the use of Salesforce’s mobile, reporting, and security foundation. Its weaknesses are limited public documentation and a lack of transparency around plan limits, seat restrictions, integration ecosystem, permission models, and compliance evidence. The terms also explicitly state that the accuracy of third-party insurance/medical data is not guaranteed. HowardCRM is best suited to U.S. health insurance agents, independent Medicare brokers, and small insurance agencies. For Chinese insurance operations, cross-border teams, or organizations requiring local compliance and Chinese-language support, key issues to evaluate include network access, payment, data compliance, and local alternatives such as 销售易, 纷享销客, and 悟空CRM.