The Best VoIP Phone Services for 2026
Choose the Best VoIP Platform for Your Insurance Business
Your email has been registered. Redirecting...
Sign up now and connect with ready-to-buy leads near you.
Are you planning to incorporate VoIP technology into your insurance operations? We have complied the list of best VOIP service providers for 2025 that can help you reduce costs and get greater flexibility in communication.
Efficient and effective communication is the backbone of every insurance business and companies that adapt to the evolving digital landscape strategically reap the maximum ROI in terms of productivity and growth.
Insurance businesses today operate in an interconnected and digitalized world where integration of proper technology into business operations can significantly boost growth, flow of services, and revenue. One such important and ever-evolving technology is VoIP technology that has been around for decades but has started becoming an integral part of business operations over a certain period.
What is VoIP Technology?
VoIP technology, which stands for Voice over Internet Protocol, is a communication technology that allows users to make phone calls over a broadband internet connection or internet data lines instead of the traditional analog landlines.
In short, VoIP systems allow you to make voice calls over the internet instead of a regular landline and also cellular network.
While VoIP has been around for a while, this technology has gone through major updates over a period.
Top VoIP Services for 2025 at a Glance
| Best VoIP Picks | Best for | Overall Rating | Starting Price (Monthly) | Video Capacity |
|---|---|---|---|---|
| RingCentral Ex | Enterprise businesses and collaboration | 4.5 | $30 for 1 to 100 users | 200 |
| 8x8 | SMB unified messaging and security | 4 | $29.95 for 5 to 19 users | unlimited |
| Nextiva | Business communications and customer support | 4 | $29.95 for 5 to 19 users | unlimited |
| Dialpad | Softphone users | 4 | $15 per user | 10 |
| Ooma Office | Ease of use | 4 | $19.95 | 100 |
| Zoom | Video conferencing and remote teams | 4.5 | $10 per user | 1000 |
| Aircall | Support and sales teams | 4 | $30 per license | N/A |
Best VoIP Services for 2025
Modern VoIP systems not just offer voice calling but voicemail to email, call forwarding, video conferencing, sophisticated call management, text chat and more making it a versatile solution for business and individuals alike.
However, with increasing competition and AI taking over, choosing the best VoIP service can be a challenging endeavor.
Hence, you can trust our review to select the right VoIP considering your operational requirements, budget, and maintenance capabilities:
Our team has finalized this list of VOIP service providers after in-depth research, user reviews, and hours of testing information.
- Ringcentral Ring Ex: Best for enterprise businesses and collaboration
- Zoom: Best for video conferencing and remote teams
- Nextiva: Best for business communications and customer support
- Dialpad: Best for softphone users
- 8×8: Best for SMB unified messaging and security
- Ooma Office: Best for ease of use
- Aircall: Best for support and sales teams
1. RingCentral RingEx
Starting Monthly fee
$30
Customer Satisfaction
85%
Digital Experience
500/1000
Ratings
Product Overview:
RingCentral has been a market leader in VoIP services for a long time and RingEx is its latest offering which is certain to cement its stop as a top VoIP service provider such are its new specifications.
RingEx eliminates the need for on-premises PBX hardware as it belongs to a secure and reliable cloud communications platform.
With features like mobile apps, chat features, virtual meetings, and business SMS, and more, RingEx is power packed with a ton of features making it one of the best VoIP services in the United States.
RingEx also comes with impressive AI capabilities that include real-time transcription and auto message generation features.

-
Key Features:
- Voicemail Transcription
- Software Phone
- SMS Messaging
- Automatic Call-Back
- Call Monitoring
- Voicemail to Email
- Electronic Fax
- E911 Service
- SIP Phone Support
- Toll-Free Option
- Video Conferencing
-
Reviews and Ratings
- Capterra: 4.2/5 (1201 reviews)
- TrustRadius: 4/5 (176 reviews)
- Business.com: 9.1/10
- Technology Advice: 4.61/5
-
Pricing Plans
- Core plan starts at $20 per month per user paid annually. This plan is perfect for small businesses needing a reliable phone system, HD video, and messaging
- Advanced plan starts at $25 per user per month paid annually
- Ultra plan starts at $35 per user per month paid annually
-
Pros & Cons
Pros Cons 300+ integrations like Salesforce, Oracle, Dropbox, Zendesk, Google, and Microsoft The UI can be occasionally complex to use, and some features can be overwhelming for new users AI-backed call transcription and call summaries It can be expensive for some businesses as the number of users increase API access Advanced and intelligent call routing feature
2. Zoom
Starting Monthly fee
$26.99
Customer Satisfaction
90%
Digital Experience
800/1000
Ratings
Product Overview
Zoom is one of the most popular and ubiquitous remote work platforms which is great for client-facing roles and remote teams.
This makes Zoom phone one of the best VoIP mobile apps for video conferencing. Zoom phone comes with other excellent features like HD video quality, intuitive meeting controls, HD voice calls, voicemail transcription, seamless device switching, call delegation, seamless video conferencing integration, and versatile VoIP functionality.
Zoom phone allows team members to easily switch between video meetings, phone calls, and team chats within a single app.

-
Key Features
Zoom Phone Calling Features:
- Zoom mobile and desktop app
- Desk phone support
- Call transfer
- Call forwarding
- Voicemail
- Call recording
- Salesforce integration
- Call blocking
- Call delegation
- Call hold
- Elevate to meeting
- Listen (Monitor)
- Whisper
- Shared line groups
- Business application integration
- Slack integration
- Time Tracking
Zoom Phone Administration
- Calling plans
- Bring your own carrier
- Phone number porting
- Device management
- Global call routing
- Contact center integration
- Quality dashboards
- Emergency calling
- Single sign-on
- Advanced analytics
- Call queues
- Zoom phone local survivability
-
Pros & Cons
Pros Cons Top-class call quality and reliability Phone extension numbers not included in the base plan Unlimited domestic and international calling Integration with 139-third party apps only Built-in analog and plug-and-play VoIP phone device support Call hand-off between devices User interface is very intuitive and familiar to Zoom users Equipped with agent call monitoring tools (barge, monitor, whisper, and takeover) -
Pricing Plans
Zoom service plan Cost What’s Included U.S. & Canada Metered (Zoom Phone) $10 per user/month Pay-as-you-go domestic and international calling, Unlimited 40-minute video meetings with 100 participants, Team Chat, Clips Basic, Notes, Mail and Calendar U.S. & Canada Unlimited (Zoom Phone) $15 per user/month Unlimited U.S. and Canada calling and metered international calls, Unlimited 40-minute video meetings with 100 attendees, Team Chat, Clips Basic, Notes, Mail and Calendar, Global Select (Zoom Phone) $20 per user/month Unmetered regional calling in one of 48 countries or territories and metered international calls, Unlimited 40-minute video meetings with 100 participants, Team Chat, Clips Basic, Notes, Mail and Calendar, Business Plus (Zoom Workplace) $26.99 per user/month Unlimited regional calling, AI Companion, Unlimited 30-hour meetings with 300 attendees, Team Chat, Clips Plus, Scheduler, Workspace Reservations, 10 GB cloud storage, Visitor Management, Enterprise (Zoom Workplace) Custom Full-featured PBX phone, Up to 1,000 video meeting attendees, Team Chat, Unlimited cloud storage, Rooms and Webinars, -
Reviews and Ratings
- Capterra: 4.6/5 (14168 reviews)
- TrustRadius: 8.2/10 (5810 reviews)
- Business.com: 9/10
- Technology Advice: 4.5/5
3. Nextiva
Starting Monthly fee
$29.95
Customer Satisfaction
91%
Digital Experience
800/1000
Ratings
Product Overview
Nextiva is an extremely versatile VoIP system with full features and modern UI that works across desktop and mobile devices.
Nextiva offers the best customer service agents and phone support which not all rival services offer on entry-tier plans contrary to self-guided deployment experiences.
Nextiva offers free implementation assistance and 24-hour customer service. The call analytics and reporting features are also the highlight of Nextiva. The administration functions are straightforward and include a graphical call-flow builder as well.

-
Key Features:
- Voicemail Transcription
- Software Phone
- SMS Messaging
- Automatic Call-Back
- Call Monitoring
- Voicemail to Email
- Electronic Fax
- E911 Service
- SIP Phone Support
- Toll-Free Option
- Video Conferencing
-
Pros & Cons
Pros Cons Comprehensive analytics and reporting Features Lacking AI features compared to the competitors Modern, elegant, and attractive user interface To access full features, enterprise tier is needed All users have 24/7 phone support access and customer service One directional contact syncing Hands-on implementation support -
Pricing Plan
Service plan Cost What’s Included Essential $29.95 per user/month Unlimited calling, One-to-one video meetings, 1,500 toll-free minutes, Auto attendant, Call groups, Voicemail-to-email notifications, MS Outlook and Google Contacts integrations, Unlimited internet fax, Video conference recording, Team chat, Threaded messages, Call log reports, Contact management, Professional $33.95 per user/month Everything in the Essential plan, plus: Multilevel auto attendant, Unlimited calling, 40 video conference attendees, 3,000 toll-free minutes, Voicemail-to-SMS notifications, HubSpot and Zendesk integrations, 1,000 SMS/MMS, Enterprise $43.95 per user/month Everything in the Professional plan, plus: Call recording, Voicemail transcription, Single sign-on, 2,000 SMS/MMS, One-to-one video meetings, 12,500 toll-free minutes, ServiceNow and Bullhorn integrations, -
Reviews and Ratings
- Capterra: 4.6/5 (907 reviews)
- TrustRadius: 4.5/5 (251 reviews)
- Business.com: 8.5/10
- Technology Advice: 4.7/5
4.Dialpad
Starting Monthly fee
$23
Customer Satisfaction
82%
Digital Experience
700/1000
Ratings
Product Overview
Dialpad is an intelligent and multi-functional VoIP service that comes with power-packed communication features. Dialpad has powerful features like the new Voice Intelligence.
Dialpad has stuck on to its role as a software-based communications service and the focus is still the softphone while it supports hardware handsets.
It is the perfect business phone system for teams like sales and recruiting as it comes with AI features like voice intelligence.
Every feature in Dialpad is accessed from the central app, along with the dialer that can be launched with a click. Dialpad also regularly updates its tool making it a dependable platform.

-
Key Features
- Voicemail Transcription
- Software Phone
- SMS Messaging
- Automatic Call-Back
- Call Monitoring
- Voicemail to Email
- Electronic Fax
- E911 Service
- SIP Phone Support
- Toll-Free Option
- Video Conferencing
-
Pros & Cons
Pros Cons AI powered features like generative AI technology which converts voice to searchable and actionable summaries. AI powered analytics feature is also included. Video conferencing feature limits participation to 10 users simultaneously. Businesses must pay a $15 add for more people The UI is very user-friendly and intuitive There are user complaints of glitches in the app version Comes with new geographic call routing feature Analytics report does not include call quality information -
Pricing Plan
Dialpad Service plan Monthly cost What’s Included Standard $23 per user Unlimited calling, with support for one location, Visual voicemail, Three ring groups, Call recording, Unlimited AI meetings for up to 10 participants, SMS, MMS and team messaging, Google Workspace and Microsoft 365 integrations, Visual voicemail and transcription, Pro $35 per user Everything in Standard, plus: Support for 10 locations, 25 ring groups, CRM integrations, Hold queues, International SMS and phone numbers, Open APIs and webhooks, Enterprise Custom Everything in Pro, plus: Unlimited ring groups and office locations, Dial by extension, Priority routing, Data retention policies, Single sign-on provider integrations, -
Reviews and Ratings
- Capterra: 4.2/5 (540 reviews)
- TrustRadius: 4/5 (492 reviews)
- Business.com: 8.6/10
- Technology Advice: 4.7/5
5. 8x8
Starting Monthly fee
$24
Customer Satisfaction
75%
Digital Experience
720/1000
Ratings
Product Overview
8×8 is the leading VoIP service provider when it comes to providing a secure and encrypted platform. 8×8 comes loaded with enterprise-grade encryption and privacy framework compliance like the GDPR, HIPPA, and CCPA.
8×8 is equipped with SRTP (Secure Real-Time Transport Protocol) that ensures that all the voice and video communication is encrypted end-to-end making all the calls safe from external interception.
8×8 is the best VoIP provider in terms of security as the platform also incorporates multi-factor authentication and network security monitoring that safeguards businesses from cyber threats.
Alongside robust and reliable security features, it also provides HD voice and video, voicemail transcription, and seamless integration with all the popular platforms.

-
Key Features
- Queued callback
- Phone paging
- Hot desking
- Voicemail Transcription
- Software Phone
- SMS Messaging
- Call Monitoring
- Voicemail to Email
- E911 Service
- SIP Phone Support
- Toll-Free Option
- Video Conferencing
-
Pros & Cons
Pros Cons Highly secure platform with transport layer security (TLS) and secure real-time transport protocol (SRTP) Call retention is available for only 30 days Up to 100 participants can join HD video web conferencing IVR access is not available on all plans No limitations on global calling for up to 27 countries Productivity features are not on par with other products Provides sufficient 10 GB media storage for meetings and call recordings. Analytics reports cannot be configured Easy to setup for both mobile and desktop clients The new version has improved mobile video -
Pricing Plan
Service Plan Features 8x8 Contact Center Omnichannel Routing Agent Workspace™ Supervisor Workspace™ Analytics for Contact Center High-Volume Messaging AI-Enabled Self-Service Workforce Engagement Management Secure Payment Processing And more CX Beyond the Contact Center (8x8 Engage) Advanced Queue Management , Conversational Intelligence, Call, Meet, Message, Team Lead Analytics, Global Coverage, Integrations Communications APIs (8x8 no-code CPaaS) High-Volume SMS, Messaging, Voice, Video, Authentication and Fraud Unified Communications (8x8 Work) Call, Meet, Message, High-Volume Messaging, Receptionist Console, System Analytics, Global Coverage, Integrations -
Reviews and Ratings
- Capterra: 4/5 (306 reviews)
- TrustRadius: 4.5/5 (816 reviews)
- Technology Advice: 4.38/5
6. Ooma Office
Starting Monthly fee
$24.95
Customer Satisfaction
89%
Digital Experience
850/1000
Ratings
Product Overview
Oooma Office is an excellent VoIP service provider for small and midsize businesses looking for a VoIP system with modest features set as it has a low entry price. The updated version also comes with contact syncing, SMS messaging support, and video conferencing.
While Ooma Office is lacking some fancier features like AI integration and deep integrations with other software, it is a great choice for businesses that require easy to manage and set up experience.

-
Key Features
- Voicemail Transcription
- Software Phone
- SMS Messaging
- Automatic Call-Back
- Call Monitoring
- Voicemail to Email
- Electronic Fax
- E911 Service
- SIP Phone Support
- Toll-Free Option
- Video Conferencing
-
Pros & Cons
Pros Cons Powerful features to monitor calls Extra charges for AI-generated call summaries and transcripts Strong focus targeted towards call centers and sales teams Pricier service compared to other products. Available globally and international number options Easy-to-use interface and simple integrations with other tools. -
Pricing Plan
Service Plans Cost Ooma Office Essentials $19.95/month per user. Ooma Office Pro $24.95/month per user. Ooma Office Pro Plus $29.95/month per user. Applicable Taxes and Fees Varies by locale. Ooma Care Phone Support Free Porting/Change Fee Free Additional Phone Number(s) $9.95 per number/month Directory Assistance $0.99 per call Extended Warranty $39.99 per year Ooma Office Pro Text Messaging Up to 250 text messages (inbound, outbound, internal, short code and deleted messages) per account per month. $0.0095/message usage rate after exceeding monthly allocation. Ooma Office Pro Plus Text Messaging Up to 1,000 text messages (inbound, outbound, internal, short code and deleted messages) per account per month. $0.0095/message usage rate after exceeding monthly allocation. -
Reviews and Ratings
- Capterra: 4.5/5 (244 reviews)
- TrustRadius: 7.5/10
- Business.com: 9/10
7. Aircall
Starting Monthly fee
$30
Customer Satisfaction
84%
Digital Experience
840/1000
Ratings
Product Overview
Aircall is a flexible business phone solution that can integrate with 100+ CRMs, Helpdesk, and other critical business tools. Aircall is also equipped with first-class phone features like SMS, advanced call routing, IVR, analytics, power dialer, call tagging, and many other collaborative features.
Aircall has a reputation for its easy-to-use platform, comprehensive call management features that also come with options to buy local and international business phone numbers. The call routing and recording functionalities are also very beneficial for optimizing customer service and seamless communication. Aircall’s ability to integrate with various third-party applications like Pipeline, Hubspot, Slack and more.

-
Key Features
- Call Center Management
- Call Conferencing
- Call Disposition
- Call List Management
- Call Logging
- Call Monitoring
- Call Queues
- Call Recording
- Call Reporting
- Call Routing
- Call Scheduling
- Call Screening
- Call Scripting
- Call Tagging
- Call Tracking
- Call Tracking Metrics
- Call Transfer
- Callback Scheduling
- Caller ID
- Collaboration Tools
- Commenting/Notes
- Communication Management
- Computer Telephony Integration
- Conferencing
- Contact Database
- Contact Management and more
-
Pros & Cons
Pros Cons Powerful features to monitor calls Extra charges for AI-generated call summaries and transcripts Strong focus targeted towards call centers and sales teams Pricier service compared to other products. Available globally and international number options Easy-to-use interface and simple integrations with other tools. -
Pricing Plan
Service Plans Cost Features Essentials Plan ($30 per license/ 3 licenses for $1080, billed annually) 100 + Integrations and API access, Unlimited inbound calls (toll-free excluded), Essential telephony features including IVR, call recording and click-to-dial, Send and receive SMS and MMS***, Softphone for desktop, Android, iOS, Unlimited simultaneous outbound calls and more Professional Plan ($50 per license/ 3 licenses for $1800, billed annually) All features from the Essentials plan, plus Salesforce integration, Mandatory call tagging, Advanced analytics and live monitoring, Advanced support features including queue call back and smart routing, Advanced sales features including Power Dialer & Voicemail Drop and more Custom Plan 25-licenses minimum All features from the Professional plan, plus: Unlimited outbound calls*, Custom onboarding, Access to API developer support, Service-level agreement (SLA), Single sign-on* and more -
Reviews and Ratings
- Capterra: 4.3/5 (432 reviews)
- TrustRadius: 4/5 (130 reviews)
- Business.com: 9/10
Why is VoIP Important for Insurance Agencies and Businesses?
VoIP systems are beneficial for insurance businesses for several crucial reasons. The insurance industry is a fast-paced business where effective communication, customer service, and seamless collaboration are critical. Here are the ways in which insurance businesses can leverage a proper VoIP system to improve their operational process, customer satisfaction, and ultimately revenue:
- The Insurance industry runs on fast, effective, and efficient communication. VoIP allows agents and agencies to reduce costs as they are generally more affordable compared to traditional landlines.
- Insurance agencies can improve customer service, which is the backbone of the insurance industry, through faster response time, better communication from anywhere, and also tracking call analytics.
- Increased mobility as agents can work remotely and take calls from anywhere. This can also empower agents to integrate VoIP with mobile apps.
- Better team collaboration such as VoIP allows insurance companies and agencies to centralize communication systems with agents, service representatives, and adjusters on the same page.
- Regulatory compliance of the insurance industry for secure communication and secure call recording fulfilling compliance requirements.
- Reliable data backup during disaster recovery protecting sensitive clients, agents’ information and communication.
Conclusion
Choosing the best VoIP system ultimately boils down to the requirements and the nature of the insurance business that wants to integrate the VoIP system into their operational ecosystem.
For the insurance industry, where quick, efficient, and cost-effective communication is crucial, VoIP offers a myriad of advantages that improve both the internal operations of the business and the customer experience.
VoIP systems are getting better with every new update and the incorporation of AI into these systems has made them more intelligent, fast, and versatile.
Hence, here are the most important questions that businesses need to answer to choose the best VoIP systems in 2025 and get the maximum benefits at optimal budget levels.
- Do you need a VoIP system that comes with sales and service team productivity features like CRM integration, power dialing, and agent collaboration tools?
- Do you need a low-budget VoIP solution?
- Does the VoIP system need to have calling, video, and internal chat features?
- Is call transcription a priority for your business?
- Do you want to bundle VoIP with other business solutions?
Every VoIP system needs to qualify important features like metered or unlimited calling, voicemail options, caller id, speed dial, integrations, and SMS/video conferencing features to get the best outcome.
You can choose from our recommended list of best VoIP systems for 2025 and find the best phone system for your insurance business.
Frequently Asked Questions
-
1.Is VoIP the same as a virtual phone number?
VoIP and virtual phone numbers are related but they are not the same thing, A virtual phone number can be a part of a VoIP system and VoIP itself is the technology that enables the call functionality.
-
2. What protocol is used to initiate VoIP?
VoIP technology uses several protocols to initiate, maintain, and terminate calls. The most common protocols are SIP (Session Initiation Protocol), H.323, RTP (Real-Time Transport Protocol), and RTCP (Real-Time Control Protocol).
-
3.Do VoIP receive text?
Yes, VoIP services can receive text messages, but it depends on the type of VoIP service you are using. VoIP services such as Google Voice and RingCentral allow you to send and receive SMS (text messages) using VoIP number.
Agency Height Team
Updated on: December 21st, 2025
Highlights
Get Noticed. Get Leads. Get Results.
Sign up now and connect with ready-to-buy leads near you.
Your email has been registered. Redirecting...