Callmart for the independent insurance agent

You are licensed, you work your own book, and you decide how you spend your marketing dollars. Callmart is a marketplace where you fund a prepaid wallet, turn on the campaigns you want, and take inbound calls from consumers who dialed in about health, life, or final expense insurance.

How a solo account works

You create an account at app.callmart.io, and Callmart reviews it before you can start buying. Approval is required before you spend anything, and creating an account does not commit you to spend a dollar. Once approved, you fund a prepaid wallet through Stripe and turn buying on for the campaigns available to you.

Every campaign shows its price and its connected-time buffer before you switch it on. Screened inbound calls start at $25 per connected call. Final Expense CTV calls start at $50. You see both numbers up front, not after the fact.

You control the switch

• Turn availability on when you are ready to take calls, and off when you are not.
• Turn individual campaigns on or off without touching the others.
• Set a daily call limit so a good day does not turn into an unplanned bill.

There is no dispatcher deciding when you work. If you are between appointments or wrapping up for the day, you flip yourself off the clock in the softphone and the calls stop coming.

How you take the call

Callmart routes an inbound call to a phone number or SIP address you set, or you answer it in the browser softphone built on the Twilio Voice SDK. The softphone gives you mute, DTMF tones, device selection, and an online or offline toggle. On an iPhone, the Callmart app puts a native phone screen in your pocket with a dialer, recent calls, and VoIP push, so an incoming call can reach you even when the phone is locked. There is no Android app.

What you can sell through Callmart

Callmart's launch verticals are Health Insurance, Life Insurance, and Final Expense, with named campaign types that include Final Expense, Final Expense CTV, and Medicare Advantage. You only turn on the campaigns that match what you are licensed and appointed to sell, and nothing stops you from running one vertical or several at once, as long as each one is funded and approved on your account.

Business approval happens once, when you first sign up, not campaign by campaign. After that, adding a new vertical is just switching its toggle on, funded from the same wallet you already have set up.

What buying a call does and does not do

Buying a call gets a live consumer on the phone. It does not write the policy. You still have to ask the right questions, handle the objection, and close the sale the way you would with any other lead source.

Screening happens upstream, before the call reaches you, through an IVR or a script that confirms basic qualifying answers depending on the campaign and the publisher. That filters out some of the noise, but it is not a promise about how any one call will go. Connected time is measured after your destination number answers, not from the first ring, and you are only billed once when a call reaches the buffer you selected. A call that rings out, or hangs up in the first few seconds, is not billed.

If a call clearly did not match what the campaign described, you can submit it as a dispute for review. Disputes are reviewed case by case, and Callmart does not promise an automatic refund on every submission, but it gives you a real path to flag a call that did not look right rather than just absorbing the cost silently.

Staying compliant on your own

As an independent agent you are responsible for holding the appropriate license for what you sell, and for your own compliance with TCPA, state telemarketing rules, do-not-call obligations, and call recording consent laws in the states where you work calls. This is general information, not legal advice. Confirm anything specific with your own counsel or your state regulator.

Common questions