Top agents trust Paya to help them close more deals

Turn more insurance proposals into closed deals.

Create interactive insurance proposals that make every option clear, comparable, and easy to say yes to.

Unlimited proposals
Setup takes minutes
No contracts

Trusted by top insurance companies

We convert "boring" carrier PDF quotes into branded insurance proposals

Every carrier sends a generic, text-heavy PDF. Paya transforms it into a branded, interactive proposal your prospects actually want to read.

Before Paya

Generic PDF

SWITCH INS GRP
7857 25 Mile Rd. Ste. 103
Shelby Twp, MI 48316

PROGRESSIVE^®

Auto

Underwritten by:
Progressive Michigan Ins Company
March 3, 2026
Page 1 of 4

Customer: John Doe

Auto Insurance Quote

Thank you for contacting me about your auto insurance needs.

Quote for a 6 month policy period

If you pay your premium in full, you will receive a discount as shown.

Total policy premium$1,055.00

Paid in full discount-$83.00

Policy premium if paid in full$972.00

To purchase insurance

Please review the information on your quote for accuracy; incomplete and inaccurate information could affect your rate. These rates are subject to verification of information.

Drivers and resident relatives

The applicant, spouse and all resident relatives 14 years of age or older, all regular drivers of the vehicles described in this application...

John Doe
Date of birth: Dec 18, 1975 Relationship: Insured
Driver status: Rated License type: Operator - Personal Auto

After Paya

Branded Proposal

Insurance Proposal

Your coverage,
tailored to you

This proposal has been carefully prepared to address your unique insurance needs.

Prepared forJohn Doe

Prepared byMichael Jordan

DateApr 14, 2026

◆ About Us

Safeguarding what matters most

Create a winning insurance proposal in 3 simple steps

One workspace for the people who write the procedures, the people who answer for the results and the agent that does the work.

1New Proposal
Upload your carrier quotesDrop in any carrier quote PDF. Our AI extracts all coverage details, limits, deductibles, and pricing automatically — no manual data entry.
- Single quote, side-by-side, or quote matrix
- Auto, home, commercial, life, and health
- Start from a carrier PDF or declarations page
2AI Extraction
Let Paya go to workPaya will extract all the important policy details and pricing options from your carrier PDFs.
- Coverages, limits, deductibles, and premiums pulled from the PDF
- AI flags values that need a double-check
- Contacts created from the upload
3Customize & Send
Customize your proposalPut the finishing touches on your proposal by adding optional items like a personal video or even add call-to-action buttons to guide prospects through the next steps.
- Record a personal intro on webcam or screen
- Teleprompter built in
- Add it to the proposal before you send

Proposal wizard: choose single quote, side-by-side, or quote matrix to turn a carrier PDF into a proposal

Proposal wizard: review extracted home insurance coverages, premiums, and AI double-check markers

Proposal wizard: record a personal webcam video with teleprompter for the proposal

Works for all lines of insurance

Native connectors for helpdesks, commerce, billing and CRM, plus a typed API for anything in-house. Most teams connect their first three systems in an afternoon.

Get a demo

IndependentAgents

CaptiveAgents

P&CPersonal

P&CCommercial

LifeInsurance

HealthInsurance

Trusted by modern insurance agencies

Gaya Love

Real feedback from agents and operators using Gaya.

"While carriers threw raters under the bus, Gaya has been what we needed. From integrating with SALT to working with our carriers and AMS, they have streamlined our processes. Gaya has also made us better underwriters, forcing my staff to figure out which carriers are right for the client, thus increasing our quote-to-bind ratios."

Dereck Kartchner

GILA Insurance

"Gaya had reduced our quote time by 80%. We have many carriers that are not bridging out of EZLynx. Gaya supercopy auto and home records and pastes them in a heart-beat."

Ken Abel

Trailstone Insurance

Kelly Planeta

Heffernan Insurance Brokers

"Smooth! Loving the software Carl."

Kaitlyn Ourada

Stonebridge Insurance

"So in what, 12 minutes we got seven quotes ready to go. That would normally take him 40 to 45 minutes."

Steve Lovecchio

TWFG Insurance Services

Kenny Planeta

Senior Vice President — Heffernan Insurance Brokers

"I've timed myself doing a quote... To do a home and auto quote without Gaya, I time myself with the dropdowns and doing all the stuff and manually entering everything, and it was 17 minutes for a home and auto quote with Vault. With Gaya, it was down to 8."

Tim Luperini

Plexus Groupe

"Super huge though. .. That makes my life so much easier. The biggest pain is, I have to type everything eight times because we quote in eight different companies. So Thank you guys. That's special."

Brock Lindsay

The Summit Group

Alex Crosby

Crosby Family Insurance

"While carriers threw raters under the bus, Gaya has been what we needed. From integrating with SALT to working with our carriers and AMS, they have streamlined our processes. Gaya has also made us better underwriters, forcing my staff to figure out which carriers are right for the client, thus increasing our quote-to-bind ratios."

Dereck Kartchner

GILA Insurance

"Gaya had reduced our quote time by 80%. We have many carriers that are not bridging out of EZLynx. Gaya supercopy auto and home records and pastes them in a heart-beat."

Ken Abel

Trailstone Insurance

Kelly Planeta

Heffernan Insurance Brokers

"Smooth! Loving the software Carl."

Kaitlyn Ourada

Stonebridge Insurance

"So in what, 12 minutes we got seven quotes ready to go. That would normally take him 40 to 45 minutes."

Steve Lovecchio

TWFG Insurance Services

Kenny Planeta

Senior Vice President — Heffernan Insurance Brokers

"I've timed myself doing a quote... To do a home and auto quote without Gaya, I time myself with the dropdowns and doing all the stuff and manually entering everything, and it was 17 minutes for a home and auto quote with Vault. With Gaya, it was down to 8."

Tim Luperini

Plexus Groupe

"Super huge though. .. That makes my life so much easier. The biggest pain is, I have to type everything eight times because we quote in eight different companies. So Thank you guys. That's special."

Brock Lindsay

The Summit Group

Alex Crosby

Crosby Family Insurance

You have questions. We have answers.

Get started →

What is insurance proposal software?

Insurance proposal software is a tool that helps agents turn carrier PDF quotes into branded, digital proposals prospects can view on any device. The best options — like Paya — include side-by-side comparisons, video embeds, Buy Now buttons, and real-time engagement tracking.

How do insurance agents create proposals?

Most agents start with a carrier PDF and manually format it into a presentation. With Paya, you upload the PDF and AI extracts coverage details automatically. Add your branding and video, then send a shareable link — the whole process takes under 5 minutes.

What should an insurance proposal include?

Every insurance proposal should include a branded cover page, personalized introduction, side-by-side coverage comparisons, a clear premium breakdown, agent credentials, client testimonials, and a specific call to action like a Buy Now button or scheduling link.

How much does insurance proposal software cost?

Paya is $20 per seat per month, with a 2-seat minimum. You can cancel anytime.

Can I create insurance proposals from carrier PDFs?

Yes. Paya uses AI to extract coverage details, limits, deductibles, and pricing from any carrier PDF automatically — Progressive, Safeco, Travelers, Hartford, and dozens more. No manual data entry required.

Can I add video to an insurance proposal?

Yes. Paya includes a built-in video recorder that lets you record your webcam, screen, or both. Adding a personal introduction video builds trust and agents who use video report significantly higher engagement and close rates.

Do prospects need an account to view a proposal?

No. Paya proposals are web-based — you share a link and prospects open it in their browser. Nothing to download or install. Proposals work on phones, tablets, and desktops.

Does Paya work for commercial insurance proposals?

Yes. Paya supports multi-line commercial proposals with separate sections for GL, property, auto, workers’ comp, and umbrella. You can compare up to 4 carriers per line and include the coverage-specific detail commercial accounts expect.