AllCalls.io and Callmart both sell inbound insurance calls from a prepaid wallet. AllCalls covers Medicare, life and final expense, shows each call's rate and qualifying timer in its app, and starts at a $50 deposit. Callmart publishes Final Expense and Medicare Advantage retail prices by buffer, from $25, before you sign up.
What is the difference between Callmart and AllCalls?
AllCalls and Callmart are closer to each other than most vendors in this space. Both sell live inbound insurance calls rather than leads, both bill only calls that reach a minimum connected time, and both run on a prepaid wallet. The main difference is price visibility. AllCalls does not publish per-call rates on its site; its terms say rates and qualifying timers vary by call type and vertical and may change, and the binding rate is the one shown in its app when you accept a call. Callmart publishes retail prices by campaign and buffer on callmart.io and shows the same prices in your workspace before a campaign goes live. Lines differ too: AllCalls names Medicare, life insurance and final expense, while the Callmart public list covers Final Expense digital, Final Expense TV (CTV), Final Expense live transfers and Medicare Advantage. Deposits, fees, disputes and refunds also work differently, as the table shows.
AllCalls Technologies, Inc., which does business as AllCalls.io, lists an Alexandria, Virginia address and serves carriers, agencies and independent agents from one web platform. This page uses its Terms of Service (last updated August 21, 2026) and its about and solutions pages, read on November 2, 2026, alongside Callmart's published terms and price list.
How do Callmart and AllCalls compare side by side?
| Question | Callmart | AllCalls |
|---|---|---|
| What you buy | Inbound calls, not lead records | Live consumer-initiated inbound calls |
| Lines | Final Expense and Medicare Advantage on the public price list | Medicare, life insurance and final expense |
| Published prices | Yes: $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds for Final Expense digital | No: rate and timer shown in the app when you accept a call |
| Billable call | Connected time reaches the buffer you chose | Connected duration reaches the qualifying timer for the call type |
| Minimums | No minimum spend or term | $50 minimum deposit; no contracts, per its about page |
| Deposit fee | Wallet funded by card through Stripe | 3% processing fee on every deposit, including auto-recharge |
| Disputes | Credit request from the call in your call history | Within 5 business days, for listed reasons |
| Unused balance | Refunds of unspent balance handled case by case through support | Unused deposits refundable if requested within three months |
| Teams | Agency account with one wallet and team roles | Parent account can fund and administer sub-accounts |
How does AllCalls price calls?
AllCalls says it uses flat rate pricing with no contracts and no hidden fees, but it does not list rates on its public pages. Under its terms, rates and qualifying timers vary by call type and vertical and may change. The rate and timer shown in the app when you accept a call are the ones that apply, and a call that meets or exceeds the timer is billed at that rate.
- The minimum deposit is $50, held as prepaid wallet funds.
- A 3% processing fee applies to all deposits, including auto-recharge, and processing fees are not refundable.
- Optional auto-recharge tops up the wallet when it falls below a threshold you choose; a failed recharge may pause your ability to receive calls.
- Unused deposits, excluding credits, are refundable if you ask within three months of the deposit date. Promotional and dispute credits are not refundable.
To compare costs fairly, ask for the in-app rate and qualifying timer for each call type you plan to buy, then add the 3% deposit fee to your cost per call: every $100 you deposit carries $3 in processing fees.
How does Callmart price calls?
Callmart lists a retail price for each connected-time tier, called a buffer, and you can read the whole list before you create an account. You choose which tiers to buy for each campaign. Counting starts when your line answers, and a call is charged once, after it ends, only if it reached your buffer; calls that are never answered or end sooner are not billed.
| Campaign | Retail tiers |
|---|---|
| Final Expense: Digital | $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds |
| Final Expense: TV (CTV) | $55 for 10 seconds, $65 for 30 seconds, $75 for 60 seconds |
| Final Expense: Live Transfers | $80 for 120 seconds |
| Medicare Advantage | $25 for 20 seconds, $35 for 30 seconds, $55 for 90 seconds |
Agencies and bulk buyers can ask for lower rates through the wholesale program. If a campaign's price changes, that campaign pauses until you confirm the new price. A first deposit earns call credit ($50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000), with no cash value. There is no subscription, and agency accounts pay $50 a seat a month for extra softphone seats, taken from the wallet.
How do disputes and credits compare?
AllCalls spells out its dispute rules. You submit a dispute within 5 business days of the call. Valid reasons include a caller in a state you are not licensed in, the wrong vertical, a material technical failure, a caller whose only aim was a do-not-call request, and clear fraud. Reasons it treats as invalid include no sale, shopper behavior, agent unavailability and an agent hanging up before the qualifying timer. Approved disputes are credited to your wallet.
On Callmart, you request a credit from the call itself in your call history and choose a reason such as wrong number, caller would not engage, did not meet buying criteria, duplicate caller, audio problem, platform error or test call. Callmart reviews each request; an approved credit equals the amount charged and is added to your wallet as a new ledger entry. A credit is not guaranteed. The call disputes guide explains the process step by step.
What are the strengths and tradeoffs of each?
AllCalls
- A low entry point: a $50 minimum deposit.
- Medicare, life insurance and final expense calls on one platform.
- Written dispute rules with defined valid reasons and a 5 business day window.
- Unused deposits refundable within three months, and parent accounts that fund sub-accounts.
- Per-call rates and timers are not published; you see them in the app.
- A 3% processing fee on every deposit.
- Rate or timer changes can take effect immediately.
- Agent unavailability and hang-ups before the timer are not valid dispute reasons.
Callmart
- Retail prices by campaign and buffer are public before you sign up.
- A price change pauses the campaign until you confirm it.
- States per line, optional campaign hours and a receiving switch for each teammate.
- Delivery to a phone number, SIP address, browser softphone or iPhone app.
- No life insurance campaign on the public price list.
- Calls are non-exclusive, and no volume is promised.
- Android users work in the mobile browser, since there is no Android app.
- Refunds of unspent balance are handled case by case, not on a fixed window.
Who should choose AllCalls?
Choose AllCalls if you want to start with a small deposit, you sell life insurance as well as Medicare or final expense, and you are comfortable seeing the rate and qualifying timer when you accept a call rather than on a public list. Agencies that want a parent account funding sub-accounts, and buyers who value a fixed three-month refund window on unused deposits, may also prefer its terms.
Who should choose Callmart?
Choose Callmart if you want to know what a Final Expense or Medicare Advantage call costs before you create an account, and you want a price change to stop delivery until you approve it. It suits agents who take calls on a browser softphone or iPhone, and agencies that run one wallet with owner, manager, agent, finance and reporting roles. Final Expense TV (CTV) calls are also a published campaign; the CTV calls page explains them, and how Callmart works walks through setup.
How do you decide between them?
- 01Confirm your linesLife insurance points to AllCalls. Final Expense and Medicare are sold by both.
- 02Get both pricesAsk AllCalls for the in-app rate and timer per call type, and read the Callmart retail price list. Compare calls with similar minimum connected times.
- 03Add the feesInclude the AllCalls 3% deposit fee, and the Callmart $50 seat fee if you need extra agency seats.
- 04Read the dispute rulesCompare valid reasons and deadlines, since they decide which bad calls you get back.
- 05Test and measureFund a small balance on each, track cost per policy with the cost per acquisition calculator, and keep the one that pays.
Common questions
01How much do AllCalls calls cost?
AllCalls does not publish per-call prices on its site as of November 2, 2026. Its terms say rates and qualifying timers vary by call type and vertical, may change, and are shown in the app when you accept a call. The minimum deposit is $50, plus a 3% processing fee.
02What is a qualifying timer on AllCalls?
It is the connected duration a call must reach to become billable. AllCalls sets a timer for each call type and shows it when you accept the call. The Callmart version is the buffer: a connected-time tier you choose per campaign, with its price published. See the call buffer guide.
03Which insurance lines does AllCalls cover?
Its about page names Medicare, life insurance and final expense, and its solutions page addresses carriers, agencies and independent agents. The Callmart public price list covers Final Expense digital, Final Expense TV (CTV), Final Expense live transfers and Medicare Advantage.
04Can I get unused wallet funds back?
On AllCalls, unused deposits excluding credits are refundable if requested within three months of the deposit date, and processing fees are not refunded. On Callmart, wallet funds are prepayments for calls, and refunds of unspent balance are handled case by case through support@callmart.io.
05Who is responsible for licensing on each platform?
AllCalls' terms say you warrant you are licensed and that it may verify licensure and appointments. On Callmart, buyers are responsible for holding the right license in each state they sell, and each line accepts calls only from the states you choose. Callmart does not provide licensing.