Answers for agents.

Nest is the all-in-one CRM for independent annuity agents. It puts a book, a pipeline, an AI-assisted copy studio, license and CE tracking from details you enter, a calendar, an encrypted document vault, and annuity modeling tools behind one login. Automatic license lookups and e-signature are not available yet.

The pitch is simple: one platform instead of several separate tools that agents often stitch together and pay for individually.

One audience: the independent licensed agent running their own book, whose business is mostly annuities.

Nest is built for annuity and life agents. The CRM, AI Studio, license tracking, and vault are set up around that work.

No. If you can use email and a spreadsheet, you can run Nest. Importing your book is a guided CSV upload, and connecting integrations is a one-time login to each account you already have.

There's nothing to install and no server to manage - Nest runs in your browser.

Setup can be quick. A CSV import of contacts, leads, and policies can take minutes, depending on the size and cleanliness of your file, and you connect integrations as you go.

You can import a book from CSV and have policies, pendings, contacts and commissions in place in one pass. Results depend on your data.

Create your account, agree to the Terms, pick a plan and you can start the import the same day.

Signing up is self-serve - no sales call required. You create an account, agree to the Terms of Service and Privacy Policy, choose a plan, and pay by card through Stripe Checkout. There is no free trial.

Nest imports contacts, leads, and policies from CSV so a fresh book is in within minutes. Export from your current CRM or spreadsheet, then map the columns once.

Solo is $69.99/mo and Pro is $129/mo. Pro is the higher-volume plan: more AI Studio credits, more vault storage, and the automations.

There are no setup fees and no per-action surcharges. AI Studio usage is metered in monthly credits, and extra credits can be bought as a pack. Plans renew automatically and all fees are non-refundable. See the pricing page for the full breakdown.

Both are for a single agent running their own book. Solo ($69.99/mo) covers the core CRM, license tracking, calendar, and vault. Pro ($129/mo) adds higher usage headroom across the AI Studio, more vault storage, and automations for agents who lean on them daily.

You can start on Solo and upgrade to Pro from settings without losing data. Fees already paid are not refunded when you change plans.

There's no free trial. Signing up is self-serve: pick Solo or Pro and pay by card. All fees are non-refundable, so read the pricing page and the Terms of Service before you subscribe.

If you skip the plan step during onboarding you get limited access without the paid features, and you can subscribe later from Settings.

No setup fees. License tracking, the document vault, and the AI Studio are part of your plan, with the AI Studio and vault subject to your plan's credit and storage limits. Extra AI credits can be bought as a pack; packs are non-refundable and non-transferable.

Because integrations are bring-your-own, any usage cost on integrations is billed by those providers directly to your own account, not marked up by Nest.

Subscriptions renew automatically for the same period (monthly or annual) at the then-current price until you cancel. Cancel any time in Settings > Billing or by emailing hello@nestannuity.com. Cancellation stops future renewals and takes effect at the end of the period you already paid for, and you keep access until then. All fees are non-refundable, including partial periods, unused time and downgrades. Annual plans bill 12 months in advance and renew for another 12 months.

You can export your records from Settings while your subscription is active and for a limited period after it ends, as set out in the Terms of Service. After that period we may delete your data.

Plan changes are managed in settings. The change takes effect immediately; your data carries over. Fees already paid are non-refundable and downgrades do not generate a refund or credit.

Switching from monthly to annual starts a new annual term right away. The unused part of your current paid month is applied as a one-time courtesy credit toward that charge; it is a credit on the new invoice, not a refund. Switching from annual to monthly takes effect when your annual term ends. Fees already paid are non-refundable.

Many agents arrive paying for a CRM, a separate email/marketing tool, an AI copywriting subscription, a license-tracking service, and a document storage tool. Nest puts the equivalent features under one login.

The aim is one bill and one place your contacts, policies, documents, and outreach live. Your savings, if any, depend on what you pay for today.

Nest is built for annuity and life insurance agents. The CRM, pipeline, license tracking, and vault are set up for those two lines.

Agents who write both annuities and life keep them in a single book rather than juggling separate systems.

Nest is built for annuity work. Beyond the CRM, it includes annuity modeling tools: a Living Benefit Calculator, hypothetical projections, and an Index Analyzer. They produce estimates for planning, not insurer illustrations or quotes.

Combined with policy tracking and the document vault, annuity producers can run the whole client lifecycle in one place.

Easily. Export your spreadsheet to CSV and import it into Nest's CRM in minutes; your contacts, leads, and policies become real records with timelines, reminders, and document attachments.

You can export your records back to CSV from Settings while your subscription is active and for a limited period after it ends.

Nest's CRM uses a drag-and-drop pipeline with stages you control, so it matches how you actually move new business.

A drag-and-drop pipeline with custom stages, contact records that carry every interaction, lead intake with assignment rules, and a live view of every policy you write.

Notes, tasks, meetings, and documents land on the contact timeline, so the thread on a client stays in one place.

Leads come in through intake forms and become records you can assign with rules and chase with follow-up nudges. Nothing slips because every lead has a clear owner and next step.

Yes. Policies are first-class records tied to the contact, with statuses you can track from application through issue. Related documents attach right to the policy and the contact.

Import is end-to-end CSV for contacts, leads, and policies, and export to CSV is one click from Settings while your subscription is active and for a limited period after it ends (see the Terms of Service). Your records are yours; there is no exit fee.

Pipeline stages are fully editable so the board mirrors your real workflow.

Every contact has a timeline that gathers notes, tasks, meetings, and documents in one place.

Every integration runs on your own vendor account. Nest is the layer that stitches them together, not a reseller that marks them up. Salesforce is live today; the rest are coming soon.

When you leave Nest, those accounts stay with you. You own the relationships and the data - that's the whole idea.

Salesforce is the one integration live today. Messaging, e-signature, email, automated producer license status and certification tracking are coming soon.

Each connects through your own account, so usage is billed to you by the provider directly.

No. Nest is carrier-agnostic and does not ship a carrier roster or carrier integrations. You track the policies, statuses, and documents for the carriers you write with, on your side.

You're never captive to a roster we've curated. Write what fits your client.

Nothing - they're your accounts. Disconnecting Nest doesn't touch your Salesforce account, or any vendor account you connect later; they keep working on their own.

Export your records to CSV before your access ends; see the Terms of Service for the export window after cancellation.

Connecting is a one-time login to each service. Nest stores the connection, not the underlying credentials beyond what's needed to operate.

Automatic license lookups are coming soon. Until then, add your licenses by hand and Nest tracks renewals and CE next to your book.

It drafts mailers, refines the audience with natural-language filters, and rewrites emails. Drafts are starting points that you edit and approve. AI output can be inaccurate or incomplete, and you are responsible for what you send.

Approved mailer sends run in the background, so a campaign to a large audience does not hold up your day.

AI Studio usage is included in your plan up to its monthly credit allowance, and there is no per-action surcharge. Credits do not roll over. Extra credits can be bought as a pack; packs are non-refundable, non-transferable and have no cash value.

AI drafts require your approval: the AI helps with drafting and rewriting, and nothing it drafts is sent until you review and approve it. Automations on the Pro plan are different. If you explicitly turn one on, it sends the templates you configured on its schedule, and you are responsible for what it sends.

Start from intent and let the Studio produce a draft you can shape, then target the right slice of your book.

The rewrite tool sharpens outreach without changing your meaning - useful when a draft feels flat.

Three: a Living Benefit Calculator for comparing income rider terms, a projection tool for hypothetical year-by-year ledgers, and an Index Analyzer for modeling index crediting strategies.

They live inside the same login as your CRM and document vault. They are planning aids, not insurer-authorized illustrations or quotes.

It models the lifetime income side of an annuity - so you can estimate what an income rider could produce under different assumptions, without spreadsheets. Results are estimates built from your inputs and NEST reference data. Verify every figure with the insurer.

It helps you model index crediting strategies and how they might have behaved, using cap, participation and spread terms. Results are hypothetical, not a prediction of future results.

Yes. The projection tool builds a hypothetical year-by-year ledger you can attach to the contact and store in the vault. A Nest projection is a modeling aid. It is not an insurer-authorized illustration and must not be presented as one; in any sale, use the insurer's official illustration and disclosure documents.

Rates on the Rates board come from the sheets you import and are not verified by Nest. The calculators and the Index Analyzer use NEST reference data, which is illustrative, may be incomplete or out of date, and is not a carrier feed. Verify every figure with the insurer. The tools are for modeling and education. They are not financial, tax or legal advice, and past performance does not predict future results.

Model an income rider for a specific client scenario in a few inputs.

Nest tracks the licenses you add and shows renewals next to the agent record - resident and non-resident states included. Automatic lookups through a license-data account are coming soon.

Resident and non-resident states sit on the same record. Dates you enter appear on your dashboard.

Yes, as a record you enter. You add your AHIP certification details and Nest shows them alongside license data. Nest does not verify certification, and automatic AHIP lookups are not available yet.

E-signature through DocuSign is coming soon. Until then, download the document to sign, then upload the signed copy and Nest keeps it on the contact timeline.

License and AHIP dates you enter appear on your dashboard next to each agent. You're responsible for maintaining the right licenses in the states where you write; Nest only displays the details you enter and does not verify them.

Automatic license lookups are coming soon. Until then, add each license by hand and Nest tracks it for you.

Documents in the vault are encrypted at rest with AES-256-GCM before storage, and data is protected in transit by TLS. Access is scoped to your organization in application code and covered by automated tests. An audit log records selected security-relevant actions such as document downloads and changes; not every read is logged.

No. Nest is software, not a data broker. It doesn't aggregate across organizations and doesn't sell or share client information. Your book is yours.

Your records are scoped to your own organization in application code. Nest does not pool or sell data across accounts. Nest personnel may access data only as needed to operate and support the service.

Export to CSV with one click from Settings while your subscription is active and for a limited period after it ends, as set out in the Terms of Service - contacts, leads, and policies. After that period we may delete your data, so export before you cancel. Because integrations are bring-your-own, your connected accounts stay with you too. There is no exit fee.

No. Nest does not currently hold SOC 2 or HIPAA attestations and does not sign business associate agreements (BAAs).

Vault documents are encrypted at rest with AES-256-GCM, data is protected in transit by TLS, and an audit log records selected actions. Do not upload nonpublic personal health information unless you have obtained any authorization required by law. If your organization has formal requirements such as a vendor security review, email hello@nestannuity.com before you subscribe.

You can pull your records out at any time - useful for backups, reporting, or migrating.

Payment details live in Settings → Billing. Update your card there and the change applies to your next invoice.

Subscriptions renew automatically for the same period (monthly or annual) at the then-current price until you cancel. Cancel any time in Settings > Billing or by emailing hello@nestannuity.com. Cancellation stops future renewals and takes effect at the end of the period you already paid for, and you keep access until then. All fees are non-refundable, including partial periods, unused time and downgrades. Annual plans bill 12 months in advance and renew for another 12 months.

Before you cancel, export your contacts, leads, and policies to CSV. You can export your records from Settings while your subscription is active and for a limited period after it ends, as set out in the Terms of Service. After that period we may delete your data. Your connected integrations are your own accounts and keep working regardless.

Closing your account is different from canceling: closing ends your access immediately and does not refund the rest of a paid period.

No. All fees are paid in advance and are non-refundable, including partial periods, unused time, downgrades, credit packs, and charges for any period you did not use. That is stated beside the price before you pay, at Checkout, and in your confirmation email.

If you were charged twice, or charged by mistake, contact us and we will correct it. The full Refund & Cancellation Policy is at /legal/refunds.

Invoices and receipts are available in Settings → Billing, where you can review your history and download what you need for records.

Email hello@nestannuity.com with the account email and the charge in question. We do not promise a response time. Duplicate or erroneous charges are corrected promptly. All other fees are non-refundable, as set out in the refund and cancellation policy. Before disputing a charge with your card issuer, please contact us and give us 10 business days to resolve it. Nothing here limits any right you have to dispute a transaction with your card issuer.