Which AI is correct to your insurance coverage brokerage? A sensible information to the fashions that matter in 2026


Pricing at a look

AI platform prices · June 2026 · USD per person/month

Pricing comparability: major AI platforms

Subscription tiers solely. Enterprise pricing negotiated individually for all platforms.

Free tier

Commonplace paid

Energy person

Hidden / be careful

ChatGPT

OpenAI · GPT-5.5

Free

$20 Plus

$200 Professional

Groups $25/seat


Claude

Anthropic · Opus 4.8

Free

$20 Professional

$100 Max 5×

$200 Max 20×

Enterprise: gross sales


Gemini

Google · 2.5 Professional

Free

$20 Professional

$250 Extremely

+$30–36 Workspace

 

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


Copilot

Microsoft · M365

Primary

$20 Private

$30 Enterprise

True value ~$42.50 all-in

 

Copilot Enterprise requires M365 base subscription (~$12.50/person/mo). Whole value is 2–4× a standalone Claude or ChatGPT plan.


Grok

xAI · Grok 4

Free

$30 SuperGrok

$300 Heavy

Enterprise: gross sales


DeepSeek

Chinese language open-source

Free / very low API

Not for consumer knowledge — saved in China

ChatGPT (GPT-5.5) – the acquainted workhorse

GPT-5.5 is the mannequin most individuals began with, and for a lot of groups it is nonetheless the default. That is not simply inertia – it genuinely handles a variety of duties properly. Drafting, summarising, researching, constructing workflows: it is essentially the most versatile of the primary platforms, and its interface is the best to select up. The Customized GPTs function lets groups construct tailor-made instruments and not using a developer, helpful for brokers who desire a document-review assistant configured to their particular coverage sorts or a first-draft generator for traditional consumer letters.

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