Best final expense inbound call vendors

How did we pick these final expense inbound call vendors?

A final expense inbound call is a phone call that a senior starts by dialing a number from an ad, a TV spot or a web page, which the vendor then routes to your line. You pay per call once it lasts long enough, so a price only makes sense next to its billable duration, often called the buffer or qualifying timer. We chose nine vendors that sell these calls to licensed agents and explain their terms on their own websites, then grouped them by buying model: self-serve marketplaces with a prepaid wallet, a CRM with a built-in call marketplace, flat weekly programs, and managed campaigns scoped by a sales team. For each, we noted whether prices are published, how long a call must last before it bills, how you fund the account and what happens to money you do not spend. The order follows buyer need, not a score.

• Call source: TV and connected TV ads, digital ads, or both.
• Billable duration: the seconds or minutes a call must last before you pay.
• Price visibility: published, shown after signup or in the app, or quoted.
• Funding: prepaid wallet, credit packs, subscription or weekly fee, and the refund terms for unused balance.
• Desk setup: browser softphone, your own phone, SIP, or a CRM dialer.

How do final expense inbound call vendors compare?

What does each final expense inbound call vendor offer?

Insurance Calls Direct: TV and web calls with a short buffer

Insurance Calls Direct, operated by DigitalBGA LLC, sells final expense calls from TV, connected TV and web sources to licensed agents. Its homepage lists a 15 second buffer on TV final expense calls and says web callers are qualified as ages 50 to 80 with an active checking account before they see the number. Prices are visible only after you register a free account. You can turn calls on or off at any time, its terms say routing follows your settings, including availability and licensed states, and every call is recorded and downloadable. The homepage says no contracts, no commitments and no monthly fees.

• Good fit: agents who want TV-sourced calls and a short billable threshold.
• Before you buy: its terms say pricing varies by call type and can change at any time, fees are non-refundable unless stated otherwise, and missed calls may affect your access to future routing.

LeadSwitch Media: per-call prices printed on each product page

LeadSwitch Media prints a price and billable duration on every final expense product. Inbound calls come in three rungs: $25 Raw, $50 Standard and $70 Premium per billable call. Connected TV inbound calls are $55 and Spanish inbound calls $50, each billable after 90 seconds of connected talk. Buying starts with a short fit check, a signed buyer agreement and an insertion order. Larger credit packs add bonus credit, and routing offers each call to one agent who is switched on, licensed in the caller's state and holding balance.

• Good fit: agents who want CTV and digital calls with stated prices and an insertion order that fixes states, hours and caps.
• Before you buy: calls are sold Monday to Friday, 9am to 3pm Central, and the company describes inbound as the smallest volume of its final expense products.

Callmart: choose your buffer and see the price before you sign up

Callmart sells Final Expense: Digital calls at $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds, and Final Expense: TV (CTV) calls at $55 for 10 seconds, $65 for 30 seconds, $75 for 60 seconds, all retail as of November 2, 2026. CTV calls come from Connected TV advertising: the caller saw an ad on a streaming service and dialed the number on screen. Each call is charged once, after it ends, and only if connected time reached your buffer. If you think a billed call was not valid, you can request a credit from your call history, and Callmart reviews each request. Calls ring a phone number, a SIP address, or the Callmart phone in your browser or iPhone app.

• Good fit: agents and agencies who want to trade price against buffer length and control states, campaigns and receiving themselves.
• Before you buy: calls are not exclusive, each App phone takes one call at a time, there is no Android app, and no call volume is guaranteed. Bulk buyers can request lower rates through a wholesale application.

The Call Store: a wallet marketplace with a browser softphone

The Call Store sells live inbound calls in Medicare, ACA, final expense and auto to licensed agents and agencies. Its homepage shows a sample Medicare listing at $20 per billable call with a 60 second buffer and publishes no final expense price, and its FAQ says pricing varies by vertical and state and you are billed only once a call passes the buffer. It states no platform fees, no minimums and no long-term contracts, and you prepay a wallet before going live. Calls ring a browser softphone or your phone, you pick the verticals and states you are licensed in, and agencies can fund a wallet and pass balance to their agents.

• Good fit: agents who sell several lines and want calls without buying a dialer or CRM.
• Before you buy: its site and terms do not publish a dispute or refund policy, a minimum deposit, a state list or a legal entity.

AllCalls: a small first deposit, with rates shown in the app

AllCalls, run by AllCalls Technologies, Inc., routes consumer-initiated Medicare, life and final expense calls to licensed agents from a prepaid wallet, according to its about page. Its terms set a $50 minimum deposit with a 3% processing fee on every deposit, and say the binding rate and qualifying timer are the ones shown in the app when you accept a call. You can dispute a call within 5 business days for reasons such as a caller in a state you are not licensed in or a material technical failure, and unused deposits are refundable if requested within three months. A parent account can fund sub-accounts.

• Good fit: agents who want to start small and are comfortable accepting per-call terms in the app.
• Before you buy: its terms let rates and timers change immediately for fraud, quality, supply or regulatory reasons, and no sale is not a valid dispute reason.

PolicyTek: calls inside a life insurance CRM

PolicyTek is a CRM for life and final expense agents with a built-in lead and call marketplace and a browser dialer. The Agent plan is $179 per month and the Agency plan is $279 per month, and leads and calls are bought on top. Its help center says you need at least $100 in your wallet to subscribe to call leads, and that the first 90 seconds of each call are reserved for narrow qualification, with standard under-buffer refunds processed automatically. Its flat weekly calls program costs $2,500 per week from the wallet; PolicyTek says it averages 45 to 60 valid calls a week and does not promise a number.

• Good fit: agents who want CRM, dialer, quoting and calls in one login.
• Before you buy: the monthly subscription comes on top of call costs and is generally non-refundable, and the weekly program routes during business hours Monday to Friday, with limited volume on Saturdays.

Falcon FEX: per-call packs or a flat weekly price

Falcon FEX sells final expense inbound calls at $55 per call with a 90-second buffer through its multi-agent order form, with at least 20 calls per agent and 3 licensed states, paid in full up front. Its Falcon Velocity program charges a flat $1,999 per agent per week for direct inbound final expense and general life calls with no screening, sold one week at a time with no auto-renew across six service days. Calls ring a browser softphone or your own cell phone.

• Good fit: experienced closers who want predictable weekly spend and can answer every call that comes in.
• Before you buy: Velocity does not promise a number of calls or an interval between them, packages are non-refundable once activated except after loss of your insurance license, Falcon FEX ceasing operations or a verified billing error, Velocity weeks are refunded only for a billing error or Falcon FEX ceasing operations, and you must pause during off hours or the credits used are your responsibility.

SeniorCenterAgents: a calling workspace with AI assistance

SeniorCenterAgents gives senior-market agents and agencies a workspace for receiving inbound calls; its site does not list which insurance lines those calls cover. Agents go online to take calls and pause any time, notes and outcomes sit in one place, and a real-time AI Assist offers guidance during calls. Agencies get a command center for live activity, routing by availability and coverage windows, coaching and billing. Its FAQ says you are billed only for qualified inbound calls and there is no minimum commitment; prices are not published and are shown before purchase.

• Good fit: agency owners who want routing and in-call help inside the same tool agents answer in.
• Before you buy: no buffer or billable duration is published, and its terms say fees are non-refundable unless stated otherwise in writing.

Elevarus: a managed, verified call campaign

Elevarus runs paid campaigns for final expense agents, agencies, FMOs and call centers and delivers verified inbound calls and passcode-verified form leads. You set the age band, licensed states, daily volume and filters, and choose exclusive delivery or semi-exclusive delivery shared across a small, capped set of operators at a lower cost. Calls ring your floor in real time. Rates are scoped on a strategy call rather than published.

• Good fit: call centers and agencies that want a done-for-you program instead of a self-serve marketplace.
• Before you buy: it prices per verified call or lead, while its separate consulting services fulfillment policy describes a non-refundable monthly retainer with 30 days notice to cancel, so ask which terms apply.

What separates TV, CTV and digital final expense calls?

The call source tells you how the caller found the number. TV and connected TV calls come from ads on broadcast or streaming television, where the viewer dials the number on screen. Digital calls come from search, social or web pages, sometimes after a short form or quiz. Vendors price the sources differently: LeadSwitch Media charges $55 for connected TV calls against $50 for standard inbound, and Callmart's Final Expense: TV (CTV) tiers sit above its Final Expense: Digital tiers. Insurance Calls Direct publishes a 15 second buffer on its TV calls.

Which source works better depends on your script and market, so test both with the same agents before deciding. Our CTV calls vs search calls comparison and the final expense CTV calls page explain the difference in more depth.

Who should choose each kind of inbound call vendor?

• Self-serve platforms (Insurance Calls Direct, Callmart, The Call Store, AllCalls) and LeadSwitch Media's prepaid network: solo agents and small agencies who want to switch on and judge results call by call.
• CRM bundle (PolicyTek): agents who do not yet have a CRM and dialer and want everything under one subscription.
• Flat weekly program (Falcon Velocity or PolicyTek's weekly program): high-volume closers who answer every call and prefer a fixed weekly cost to per-call billing.
• Agent workspace (SeniorCenterAgents): agency owners who want routing, coaching and AI help in the calling tool itself.
• Managed campaign (Elevarus): call centers that want volume scoped and run for them.

If you are weighing calls against other formats, our guides to final expense lead companies and final expense live transfer companies cover those products.

What should you check before you buy final expense calls?

• The billable duration and when the clock starts. On Callmart, connected time starts when your destination answers, and time in your own IVR or voicemail counts toward the buffer.
• Which reasons qualify for a credit, and how long you have to ask. See how call disputes work.
• Whether unused balance is refundable, plus any deposit minimum or processing fee.
• How repeat callers are handled. Our duplicate calls page explains what to ask.
• Delivery hours, and whether missed calls affect your future routing.
• How you set your licensed states, and whether the vendor checks them.
• How many calls each agent or line can take at once, and what happens when everyone is busy.

Then work out your break-even price per call with the cost per acquisition calculator, and read how to sell final expense over the phone before your first shift.

Common questions