Guide · Insurance agents and agencies
CRM for insurance agents in Malaysia: your options
Most insurance agents in Malaysia use one of three things to track clients and renewals: their insurer's own agent app, a general CRM with a free plan such as HubSpot or Bigin, or a spreadsheet with WhatsApp. Insurer apps cover only that insurer's policies, while general CRMs need setting up for policies and renewals. Agents who sell for more than one insurer, or run an agency, usually need their own record across all of them.
Three common options
| Option | Example | Cost | Good at | Watch for |
|---|---|---|---|---|
| Insurer's agent app | Allianz 360 (Allianz Malaysia Berhad), for Allianz agents | Provided by the insurer to its agents | Clients, recruits, policies and leads for that insurer, signed in with the agent ID | Covers one insurer only. The record belongs to the insurer's system. |
| General CRM | HubSpot free CRM; Bigin by Zoho | HubSpot: free for up to 2 users and 1,000 contacts. Bigin: free for 1 user and 500 records, paid plans from US$7 per user a month billed yearly | Contacts, pipelines, reminders and email | Not built for policies, renewals or insurers. Prices are in US dollars, and local tax is added. |
| Spreadsheet and WhatsApp | Google Sheets or Excel | Free or already paid for | Quick to start, and flexible | No reminders, easy to overwrite, and hard to share safely with a team. |
Prices as published on 19 October 2026.
What to check before you choose
- Renewals first. Can it remind you, and the client, before a motor, medical or life policy renews?
- Every insurer in one place. If you sell for more than one insurer or takaful operator, can it hold all of them?
- Who owns the record. If you change agency or insurer, can you export your own clients?
- Personal data. Client records are personal data under the Personal Data Protection Act 2010, so check who can see what, and where the data is kept.
- Team access. In an agency, each person should sign in with their own account, with the agency deciding what each role can see.
Where Mahardika fits
Mahardika by DaulatLabs is a workspace for insurance agents and agencies in Malaysia: one record of clients, policies, claims and renewals across every insurer, with insurers keeping their own systems. It is in development and not open for sign-up. There is no launch date to share, and it has no users or reviews yet. Agencies can leave a work email on the Mahardika page to hear when it opens.
Questions
Is there a free CRM for insurance agents in Malaysia?
General CRMs have free plans: HubSpot's free CRM allows up to 2 users and 1,000 contacts, and Bigin by Zoho has a free plan for 1 user and 500 records. They are not built for policies and renewals, so you set them up yourself.
Do insurers give agents their own app?
Some do. Allianz Malaysia, for example, offers Allianz 360 to its agents for clients, recruits, policies and leads. Such apps cover only that insurer's business.
Is Mahardika available?
No. Mahardika by DaulatLabs is in development and not open for sign-up, and there is no launch date yet.
Sources
Every fact on this page comes from one of these sources. Dates are when the source was published, or when we read a live page.
- Allianz 360 on the App Store, Malaysia (Allianz Malaysia Berhad) (updated 15 Sep 2026, read 19 Oct 2026)
- HubSpot free CRM page (read 19 Oct 2026)
- Bigin by Zoho pricing page (read 19 Oct 2026)