Sunsure vs Xilo
Two tools that aim to remove friction from insurance application and quoting workflows. Xilo emphasizes form-flow automation; sunsure emphasizes AI document reading + parallel carrier quoting. Here's how they line up.
- Sunsure centers on AI: Sonny reads documents, parallel-quotes 20+ Florida carriers, runs conversational underwriting Q&A, automates renewals.
- Xilo centers on streamlining insurance forms and the front-end customer flow.
- Decision shortcut: if your bottleneck is the customer-facing form and intake flow, Xilo. If your bottleneck is the back-end document-to-quote cycle, sunsure.
Feature-by-feature
| Capability | Sunsure | Xilo |
|---|---|---|
| Customer-facing form automation | – not the focus | ✓ core capability |
| AI document reading (Sonny, 4-point, wind mit, dec pages) | ✓ per-field confidence | – less emphasized |
| Parallel carrier quoting in under 3 minutes | ✓ 20+ Florida carriers | – depends on workflow |
| Conversational AI underwriting Q&A | ✓ Sonny | – not advertised |
| Renewal automation (re-shop on premium spike) | ✓ AI CSR | – out of scope |
| Personal + commercial lines | ✓ | ✓ |
| Florida residential focus | ✓ TypTap, Slide, Citizens, Heritage, Centauri | – broader |
| Published pricing | $149–$799/mo + add-ons | contact sales |
Who each one fits
Choose sunsure if…
- You spend time keying data from documents into quote forms
- You want parallel carrier submission against Florida residential carriers
- You want a named AI agent (Sonny) for plain-language UW questions
- Renewals need to be auto-shopped
Choose Xilo if…
- Your bottleneck is the customer-facing intake form, not the back-end quoting cycle
- You don't have a Florida concentration
- You don't need conversational AI underwriting
How they overlap
Both reduce friction in the agency workflow. Both use modern web tech. The category split is customer-facing form automation (Xilo) vs back-end AI document and quoting automation (sunsure).
Where they differ most
Where AI is applied. Sunsure's AI reads inspection documents and answers carrier-rule questions. Xilo focuses on the form-fill experience itself.
Florida specificity. Sunsure is built around Florida residential carrier portals and Florida-specific document types.
Pricing. Sunsure publishes plan tiers; Xilo follows a contact-sales model.
When Xilo is the better choice
Lead-capture and form-automation tools solve the top of the funnel — a different problem from quoting and binding. Xilo is the cleaner choice when:
- Your bottleneck is lead intake, not quote turnaround. If new business is coming in faster than your agents can route or qualify it, a tool focused on dynamic intake forms and lead distribution attacks that specific problem.
- You already have a quoting workflow you like. Xilo doesn't replace your rater or platform — it sits in front of it. Sunsure replaces the rater and the manual data-entry step. If your existing rater is fine, you only need the intake layer.
- You want CRM-grade lead tracking more than carrier-portal automation. The two problems are adjacent but not the same. Pipeline visibility and lead-source attribution are different capabilities from parallel carrier quoting.
The honest split: sunsure replaces the slow step that happens after the lead lands (data entry, document reading, carrier submission). Xilo improves the step that happens before that (intake, qualification, routing). Agencies with both problems sometimes use both.
Frequently asked questions
Indirect. Both reduce agency workflow friction, but at different stages, Xilo at the customer intake form, sunsure at the document-to-quote step. Some agencies use both.
Sunsure focuses on the back-end of the quoting workflow. Customer-facing intake forms are not the platform's primary use case.
If the bottleneck is in the document-to-quote cycle (manual entry of dec pages, 4-points, wind mits), sunsure. If the bottleneck is the customer's first-touch form, Xilo.
Sunsure focuses on what happens once a submission arrives — document reading, parallel quoting, renewal automation. Lead intake itself is upstream of where sunsure starts. Many agencies pair an intake tool with sunsure rather than expecting one product to do both well.
Yes — Xilo can capture and qualify a lead, then hand the structured data off to sunsure for quoting. The integration is data-handoff at the boundary; the two tools don't overlap functionally.
It depends on the bottleneck. If you have more leads than you can quote, sunsure compresses the quote cycle and frees agent capacity. If you have agent capacity but leads are leaking, an intake tool addresses the upstream problem. A clean way to choose: time a typical week and find which step has the biggest backlog.