For a solo agent or small agency, the best pay per call companies are call marketplaces that publish a billable rule, such as Callmart, AllCalls, The Call Store, LeadSwitch Media and Insurance Calls Direct. Call centers that want a managed program can look at BrokerCalls, Marketcall or Soleo, which price by negotiation or bid.
How did we choose these pay per call companies?
Pay per call means you pay for a phone conversation that meets a stated condition, usually a minimum connected time, instead of paying for a lead record you still have to reach. The best pay per call companies for insurance agents are the ones that sell calls to the agent, publish what makes a call billable, and let you control states, hours and spend without a long contract. That rules out most 'best pay per call' lists, which are written for affiliates who want to get paid for sending calls. We kept companies whose own pages describe buying calls as an agent, agency or call center, then sorted them into two groups: self-serve marketplaces, where you fund a balance and switch calls on yourself, and managed networks, where an account manager sets your price and builds your campaign. Every fact comes from each company's own site as of November 2, 2026.
- Buyer side: the company sells calls to licensed agents or agencies, not only to large brands.
- Billable rule: a stated buffer, qualifying timer or call duration.
- Price visibility: a published price, a sample listing, a range, or a bid you set.
- Payment model: prepaid wallet, deposit, subscription or invoice, and what is refundable.
- Controls: states, hours, on and off switches and concurrency.
- Disputes: a written window and a list of reasons that count.
What is the difference between a pay per call marketplace and an affiliate network?
Every pay per call business has two sides. Publishers, often called affiliates, run ads and send calls; buyers, called advertisers or merchants on some networks, pay for the calls that qualify. Marketcall, for example, serves both advertisers who buy calls and affiliates who send traffic, and its advertiser FAQ explains how buyers set a price and reject calls.
Search for the best pay per call companies and many results rank networks by what they pay affiliates. That is the opposite question from yours. As a buyer, you care about the billable rule, the price per qualified call and whether you can pause delivery when your desk is empty. If you are on the selling side, see publisher vs affiliate and Callmart's page for publishers. For the basic model, start with what is pay per call, and for how a marketplace routes calls between the two sides, read what is an inbound call marketplace.
How do the pay per call companies compare?
| Company | Model | Lines named | Price as published | Billable rule | Best fit |
|---|---|---|---|---|---|
| Callmart | Self-serve marketplace, prepaid wallet | Final Expense, Medicare Advantage | Retail from $25 per call | The buffer you choose, from 10 seconds connected | Agents who want posted prices and per-line state controls |
| AllCalls | Self-serve, prepaid wallet | Medicare, life, Final Expense | FAQ lists Medicare at $24 (raw) to $32 per call; binding rate shown in the app; $50 minimum deposit | Qualifying Timer shown in the app (25 seconds on its $32 Medicare call) | Agents who want a low first deposit |
| The Call Store | Self-serve, prepaid wallet | Medicare, ACA, Final Expense, auto | Sample listing $20 per billable call; varies by vertical and state | Call passes its buffer (sample shows 60 seconds) | Solo agents who want a browser softphone |
| LeadSwitch Media | Marketplace with a fit check and an insertion order | Final Expense, Medicare, ACA | Final Expense inbound $25 Raw, $50 Standard or $70 Premium; Medicare $35 per billable call | 90 seconds (Final Expense), 30 seconds (Medicare) | Weekday daytime sellers who want printed rates |
| Insurance Calls Direct | Self-serve, on and off switch | Final Expense, life | Shown after you register | 15-second buffer on TV calls | Final Expense agents who want TV and web calls |
| PolicyTek | CRM subscription plus call marketplace | Final Expense, term, IUL | Plans $179 or $279 a month; $100 wallet minimum for calls | 90-second buffer | Life agents who want a CRM and calls in one tool |
| BrokerCalls | Managed network | Health, Medicare, Final Expense, life, auto, home and more | $15 to $90 per lead or call by vertical | Not published | FMOs and multi-agent floors |
| Marketcall | Managed two-sided network | Health, Medicare, auto, life, Final Expense | Set per account; payment fee usually around 3% | Call parameters you set | Call centers that want a manager and many publishers |
| Soleo | Managed network with bidding | Home, auto, life and Final Expense, renters, umbrella, commercial, Medicare | You set a bid | Duration you set; 90 to 120 seconds is typical | Local P&C agencies that want ZIP targeting |
Which call marketplaces fit solo agents and small agencies?
These six publish how a call becomes billable, and most let you start without negotiating a price. They differ on whether you see the price before signing up, how long a call must last before it bills, and what you can dispute afterward.
Callmart: for agents who want posted retail prices and per-line controls
Callmart sells Final Expense and Medicare Advantage calls, not lead records, and you run buying from one workspace at app.callmart.io. Retail prices are published by campaign and buffer, as of November 2, 2026: Final Expense: Digital is $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds; Final Expense: TV (CTV) is $55 for 10 seconds, $65 for 30 seconds, $75 for 60 seconds; Final Expense: Live Transfers is $80 for 120 seconds; and Medicare Advantage is $25 for 20 seconds, $35 for 30 seconds, $55 for 90 seconds. Agencies and bulk buyers can apply for lower wholesale rates quoted per account.
Connected time starts when your destination answers, time in your own IVR or voicemail after the answer counts toward it, and a call is charged once, after it ends, only if it reached your buffer. The shortest buffer is 10 seconds. You fund a prepaid wallet by card through Stripe, with no subscription, no minimum spend and no minimum term. Calls can ring a phone number, a SIP address, or the Callmart phone in your browser or iPhone app. Each line accepts calls only from the states you choose (you are responsible for holding the right license), and optional campaign hours set when each campaign takes calls. If a campaign's price changes, that campaign pauses until you confirm the new price.
Tradeoffs: calls are not exclusive, call volume is not promised, there is no Android app (Android users work in the mobile browser), and each App phone takes one call at a time. A credit for a call you think was invalid is reviewed by Callmart rather than applied automatically.
AllCalls: for licensed agents who want a $50 start
AllCalls sells consumer-initiated inbound calls for Medicare, life and Final Expense from a prepaid wallet. Its terms set a $50 minimum deposit and a 3% processing fee on every deposit, including auto-recharge, and that fee is non-refundable. Per-call rates and the Qualifying Timer that makes a call billable vary by call type, and the binding rate is the one shown in the app when you accept a call. Its FAQ gives Medicare examples: $32 per call with a 25-second billable duration, and $24 for raw calls with a 5-second connection. The terms also allow some price or timer changes to take effect immediately.
Disputes must be filed within 5 business days. Valid reasons include a caller in a state where you are not licensed, a wrong vertical, a material technical failure and clear fraud; no sale, shopper behavior, agent unavailability and an agent hanging up before the timer do not count. Unused deposits, excluding credits, are refundable if requested within three months. See Callmart vs AllCalls for a closer look.
The Call Store: for solo agents who want a browser softphone
The Call Store sells live inbound insurance calls on demand to licensed agents and agencies across Medicare, ACA, Final Expense and auto. Calls reach a browser softphone or your own phone, you choose the verticals and states you are licensed in, and a ready or pause toggle controls delivery. Agencies can fund a wallet and hand balance to managed agents. It states no platform fees, no minimums and no long-term contracts, and says its calls are exclusive and not resold.
Pricing varies by vertical and state; its homepage shows a sample listing at $20 per billable call with a 60-second buffer, and you are billed only once a call passes the buffer. Neither its site nor its terms publish a dispute or refund policy, a minimum deposit, a state list or a legal entity, so ask for those before you fund.
LeadSwitch Media: for weekday sellers who want printed rates
LeadSwitch Media runs a prepaid call marketplace for Final Expense, Spanish Final Expense, Medicare and ACA, and it prints rates with billable durations. Final Expense inbound comes in three tiers, $25 Raw, $50 Standard and $70 Premium per call, billable after 90 seconds of connected talk time; it says every tier receives the same calls, and the tier sets the price and the order in which calls are offered. Medicare inbound is $35 per billable call at 30 seconds, and Final Expense live transfers are $45 Standard or $60 Premium at 90 seconds. Its separate live price list, which the product pages call the final word, shows $55 per connected inbound call and $45 per connected transfer without naming a vertical.
After a short fit check, you sign a buyer agreement and an insertion order that sets products, rates, states, hours, concurrency and daily caps, and card top-ups through Stripe start at $500, with bonus credit on larger packs. Calls are sold Monday to Friday, 9am to 3pm Central. Billing disputes have a 7-day window, and balance is not refundable once calls have been delivered against it. See Callmart vs LeadSwitch Media.
Insurance Calls Direct: for Final Expense agents who want TV and web calls
Insurance Calls Direct, operated by DigitalBGA LLC, sells TV, connected TV and web inbound calls for Final Expense and life. It publishes a 15-second buffer on TV calls and says web callers are qualified as ages 50 to 80 with an active checking account before they see the number. 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.
Prices appear only after you register a free account. Its terms say pricing varies by call type and may change, all fees are non-refundable unless otherwise stated, and missed calls may affect your access to future routing. The site states no contracts and no monthly fees.
PolicyTek: for life agents who want a CRM with calls built in
PolicyTek is a life insurance CRM with a built-in softphone and a marketplace for leads and inbound calls, including Final Expense calls. The Agent plan is $179 a month, billed monthly with no contract, and the Agency plan is $279 a month; leads and calls cost extra, and per-lead prices are not published. Its knowledge base says you need at least $100 in your wallet before subscribing to call leads.
Calls use a 90-second buffer. Standard under-buffer refunds process automatically, but calls disqualified for off-script vetting during the buffer do not. PolicyTek also sells a flat weekly calls program at $2,500 per week, prepaid, and says it does not promise a call count. Unused wallet balance can be refunded to the original payment method, while monthly subscriptions generally cannot.
Which managed pay per call networks fit call centers and FMOs?
Managed networks pair you with an account manager who builds a campaign, recommends a price and sources calls from many publishers. They suit buyers with several licensed agents and steady hours, and they publish less about price up front.
BrokerCalls: for FMOs and multi-agent floors across many lines
BrokerCalls sells exclusive inbound insurance calls, optional warm transfers and leads across ACA and under-65 health, Medicare Advantage, Medicare Supplement, Final Expense, term and whole life, auto, homeowners and SSDI. Its insurance page gives a range rather than a rate card: cost per lead or call runs from $15 for auto insurance to $90 for Medicare Supplement warm transfers, depending on vertical, call type and state. It says there is no rigid minimum and sends a rate card within one business day.
Calls pass through per-vertical IVR filters for intent, eligibility, location and product fit, and routing uses state filters, concurrent call caps, open hours and backup queues matched to your licensed headcount. Its public terms are website terms and do not cover buyer payment, returns or call qualification, so get those in your agreement. See Callmart vs BrokerCalls.
Marketcall: for call centers that want a manager and many publishers
Marketcall is a two-sided pay per call network whose advertiser side sells calls and leads in health, Medicare, auto, life and Final Expense insurance. Price per call is set individually: its specialists recommend a price based on vertical, coverage, call hours and traffic sources, and you can change it, though a lower price than recommended may not win the volume you want. Payment is arranged through a personal manager by wire, ACH, card or PayPal, with a commission fee it puts at usually around 3%.
Its call states show what you actually pay for: calls held for approval during a contract's hold period, after-hours calls left unbilled, repeat numbers not billed, and calls that miss your payout conditions not billed. Every call is recorded, and you can appeal a call or lead to its quality team. Its pages publish no insurance-specific prices or minimum call durations. Compare it in Callmart vs Marketcall.
Soleo: for local P&C agencies that want ZIP-level targeting
Soleo Communications runs a pay per call network on its CallThread platform for home, auto, life and Final Expense, renters, umbrella, commercial and Medicare. You set a bid price for a call that lasts your specified duration, and Soleo says a typical duration bid is usually 90 to 120 seconds, varying by category. Targeting goes down to ZIP code and consumer attributes such as homeowner status, calls route only in the hours you set, with daily call caps you choose from small to large, and calls are never resold.
Two terms stand out. Soleo charges for routed calls you do not answer, and it offers a commission-based option that shares revenue on the policies you sell instead of a per-call price. It publishes no rate card or minimum spend, and health insurance is not listed on its insurance page.
Who should choose a call marketplace, and who should use a managed network?
Choose a call marketplace if you are a solo agent or a small agency that wants to see a price or billable rule before committing and switch calls off when nobody is free. Callmart, AllCalls and The Call Store let you fund a balance yourself, LeadSwitch Media adds a fit check and an insertion order, Insurance Calls Direct offers on and off switching with prices shown after you register, and PolicyTek adds a CRM if you want one tool for the whole job.
Use a managed network if you run a floor with steady staffing, sell several lines, and want someone else to build campaigns and source calls. BrokerCalls, Marketcall and Soleo price by negotiation or bid, so expect a sales conversation and a written agreement. Whichever you pick, judge it on cost per sale rather than price per call; the cost per acquisition calculator shows how. If you are still weighing calls against leads, read pay per call vs pay per lead.
What should you check before you fund a pay per call account?
- The billable rule: how many seconds of connected time, when the clock starts, and whether ringing or IVR time counts. The call buffer guide explains the terms.
- Unanswered calls: whether a routed call you miss is charged (Soleo says it is) or simply not billed.
- Price changes: whether a new price applies at once or waits for your confirmation.
- Disputes: the window (5 business days at AllCalls, 7 days at LeadSwitch Media) and the reasons that count.
- Refunds: what happens to unused balance, processing fees, credits and bonuses when you stop.
- States and hours: whether each agent or line can be limited to licensed states and set hours.
- Concurrency: how many calls one agent, phone or line can take at once.
- Exclusivity: whether the same caller can be offered to another buyer.
A practical way to start is to fund the smallest balance a marketplace allows, take calls for a short test, and compare cost per sale across two sources. The first 30 days buying calls guide lists what to track.
Common questions
01What is pay per call for insurance agents?
Pay per call is a pricing model in which you pay for an inbound phone call that meets a stated condition, usually a minimum connected time, instead of paying for a lead record. The consumer has already dialed, so you speak with them right away. What is pay per call explains the model and how billable calls are counted.
02How much does a pay per call insurance call cost?
Published examples vary by line and buffer. LeadSwitch Media lists Medicare inbound at $35 per billable call at 30 seconds, The Call Store shows a sample listing at $20 with a 60-second buffer, and BrokerCalls gives a $15 to $90 range by vertical. Callmart's retail prices start at $25 per call as of November 2, 2026. Compare prices only at the same buffer.
03Which pay per call companies sell directly to agents?
AllCalls, The Call Store, Insurance Calls Direct and PolicyTek describe self-serve buying for licensed agents, Callmart takes an online buyer application from insurance agents and agencies, and LeadSwitch Media sells after a short fit check, a buyer agreement and an insertion order. BrokerCalls, Marketcall and Soleo sell through account managers. Many networks that rank for this search pay affiliates for sending calls and do not sell calls to agents at all.
04Do I pay for calls I miss?
It depends on the company. Soleo says you incur a charge for routed calls you do not answer, and AllCalls lists agent unavailability as an invalid dispute reason. Insurance Calls Direct says missed calls may affect future routing. On Callmart, a call that is never answered is not billed, and you can switch receiving off when you step away.
05Can an agency fund one balance for several agents?
Yes, at several companies. The Call Store lets an agency hand wallet balance to managed agents, LeadSwitch Media runs several agents under one account, AllCalls defines parent and sub-accounts, and PolicyTek ties agency members to the owner's wallet. On Callmart, an agency funds one wallet and the whole team buys against it, with roles for each member.