BrokerCalls is a managed pay per call network: you give an account manager your lines, states and volume, and it returns a rate card, with insurance calls from $15 to $90 on its site. Callmart is self-serve, with posted retail prices for Final Expense and Medicare Advantage calls. Choose by the lines you sell and how much management you want.
What is the difference between Callmart and BrokerCalls?
The core difference is managed service versus self-serve. BrokerCalls is a pay per call network that sells to FMOs, IMOs, carriers, agencies and call centers: you submit your vertical, states, volume and screening criteria, it sends a rate card, and an account manager sets up routing and adjusts it over time. Its insurance page lists eight lines, from ACA and under-65 health to Medicare Advantage, Medicare Supplement, Final Expense, life, auto, homeowners and SSDI, with IVR filters for each vertical ahead of your queue. It publishes a price range rather than a price per campaign. Callmart is a marketplace you run yourself: you create an account, see the retail price for each campaign and buffer, fund a prepaid wallet and switch campaigns on. Its public list covers Final Expense and Medicare Advantage only. If you need several lines or want someone else to tune routing, BrokerCalls fits that model. If you want posted prices and direct control, Callmart does.
How do Callmart and BrokerCalls compare side by side?
| Question | Callmart | BrokerCalls |
|---|---|---|
| How you buy | Self-serve account at app.callmart.io | Buy Calls form, then an account manager |
| What you buy | Inbound calls, with a Final Expense: Live Transfers campaign on the price list | Inbound calls, with warm transfers in some verticals |
| Insurance lines | Final Expense and Medicare Advantage on the public list | ACA and under-65 health, Medicare Advantage, Medicare Supplement, Final Expense, term and whole life, auto, homeowners, SSDI |
| Published pricing | Full retail list by campaign and buffer | A CPL range of $15 to $90; rate card on request |
| Minimums | No minimum spend and no minimum term | No rigid minimum, per its site |
| How you pay | Prepaid wallet funded by card through Stripe | Not stated on its public pages |
| Billable duration | The buffer you choose, from 10 seconds | Not stated on its public pages |
| Screening and routing | States per line, line capacity, campaign hours, receiving switch | IVR criteria per sub-vertical, state and ZIP routing, concurrent call caps, open hours, backup queues |
| Exclusivity | Not exclusive | Described as exclusive on its site |
| Returns or credits | Credit request from the call in your history, reviewed per call | Not covered in its public terms |
Which insurance lines does each one cover?
BrokerCalls covers far more lines. Its insurance page lists ACA and under-65 health, Medicare Advantage, Medicare Supplement, Final Expense, term and whole life, auto (insured and uninsured), homeowners and SSDI, and says it runs over 80 active insurance campaigns. Its Medicare page describes direct inbound calls and exclusive Medicare leads aimed at people entering Medicare and people looking to switch plans, and its Final Expense page describes inbound calls plus calls generated through call center transfers.
Callmart's public retail list has four campaigns: Final Expense: Digital, Final Expense: TV (CTV), Final Expense: Live Transfers and Medicare Advantage. CTV calls come from people who saw an ad on a streaming service and dialed the number on screen. If your agency writes Medicare Supplement, ACA, auto or home, BrokerCalls is the one of the two that lists those lines. For Medicare Advantage calls and Final Expense, both are options and price becomes the question.
How does BrokerCalls price insurance calls?
BrokerCalls publishes a range, not a price list. Its insurance page gives a CPL range from $15 for auto insurance to $90 for Medicare Supplement warm transfers, depending on vertical, call type and state. To get your price, you send your vertical, states, volume and IVR criteria, and it says a sub-vertical rate card follows within one business day.
- There is no rigid minimum. The site says it works with independent agents at about 20 calls a month and with call centers buying 10,000 or more.
- Onboarding has three steps: the rate card, a compliance review and routing setup, then going live with quality monitoring.
- Campaign changes and rate card adjustments go through your account manager, who uses reporting by hour, day and state.
- Its Final Expense page describes performance-based pricing on a cost per call basis.
The public pages do not say how you pay, how long a call must last to be billable, or how returns work, and its terms and conditions are website terms. Get those answers in writing with the rate card; they move your cost per sale more than the headline number.
How does Callmart price calls?
Callmart prices are public and fixed per campaign and buffer, and you can read them before you create an account. A buffer is the connected time a call must reach before it is billable; a longer buffer costs more because more short calls fall outside billing.
| Campaign | Retail prices by buffer |
|---|---|
| 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 |
For scale against BrokerCalls' range, a 90 second Medicare Advantage call on Callmart is $55 and a 90 second Final Expense digital call is $60 at retail. Agencies and bulk buyers can request lower wholesale rates, quoted per account after a wholesale application, and approved wholesale buyers can be billed on terms instead of prepaying.
Everyone else prepays a wallet by card through Stripe. Calls draw down the balance, delivery pauses when the balance cannot cover a call, and there is no subscription or monthly fee. Your first deposit adds call credit: $50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000.
What are the strengths and tradeoffs of each?
BrokerCalls
- Eight insurance lines and over 80 active insurance campaigns, per its site.
- IVR filters per sub-vertical, plus routing by state and ZIP, concurrent call caps, open hours and backup queues.
- A dedicated account manager who adjusts routing and allocation from your results.
- Consent records (source, timestamp, publisher ID and consent language) available on request, per its site.
- Exact prices come on a rate card; only a range is public.
- Payment terms, billable duration and returns are not on its public pages.
- Buying starts with a form and runs through an account manager rather than switches you control.
- No buyer terms are published; ask for them with the rate card.
Callmart
- Public retail prices by campaign and buffer; a price change pauses the campaign until you confirm it.
- Self-serve controls: receiving switch, campaign on and off, campaign hours, states per line and line capacity.
- A published credit request process with set reasons; approved credits return the full charge.
- Calls ring a phone number, a SIP address, the browser softphone or the iPhone app.
- The public list covers Final Expense and Medicare Advantage only.
- Calls are not exclusive, and no call volume is guaranteed.
- Coaching means reviewing recordings afterward; there is no live listen, barge or whisper.
- No Android app, and each App phone takes one call at a time.
Who should choose BrokerCalls?
Choose BrokerCalls if you run a floor or an FMO that buys across several lines, especially ACA, Medicare Supplement, life, auto or home, and you want an account manager to set IVR screening, ZIP routing and concurrency for you. It also suits buyers who want a consent record available on request and are comfortable negotiating a price before they see it. The Medicare lead companies guide lists other managed options.
Who should choose Callmart?
Choose Callmart if you sell Final Expense or Medicare Advantage and want to start without a sales conversation: read the price, set a destination, fund the wallet and switch on. It suits solo agents taking calls in a browser or on an iPhone, and agencies that want one wallet with owner, manager, agent, finance and reporting roles. How Callmart works walks through the setup.
How do you decide between them?
- List every line you want calls for. Anything beyond Final Expense and Medicare Advantage points to BrokerCalls.
- Decide how hands-on you want to be: an account manager tuning routing, or switches you flip yourself.
- Ask BrokerCalls for the rate card, payment terms, billable duration and return rules in writing. The vendor vetting guide has more questions.
- Compare at equal call length. The same price buys less when a call is billable on any connection than when it must pass 90 seconds; the call buffer guide shows why.
- Test with a small budget on each and judge them on cost per policy, not cost per call.
Common questions
01Does BrokerCalls sell Medicare calls?
Yes. Its insurance page lists Medicare Advantage and Medicare Supplement, and its Medicare page describes inbound calls and exclusive Medicare leads. The published range tops out at $90 for Medicare Supplement warm transfers; your price comes on a rate card. Callmart's Medicare Advantage retail tiers are $25 for 20 seconds, $35 for 30 seconds, $55 for 90 seconds.
02Does BrokerCalls sell ACA calls?
Its insurance page lists ACA and under-65 health as a vertical with its own IVR criteria. Callmart's public retail price list does not include an ACA campaign; it covers Final Expense and Medicare Advantage. If ACA is your main line, BrokerCalls is the one of the two that lists it.
03Is there a minimum order with BrokerCalls?
Its site says there is no rigid minimum, and it describes buyers from independent agents at about 20 calls a month to call centers at 10,000 or more. Callmart has no minimum spend and no minimum term; you fund the wallet with what you want to spend.
04Are BrokerCalls calls exclusive?
Its homepage offers exclusive calls, and its Final Expense and Medicare pages call their leads exclusive. Ask how exclusivity is defined in your agreement. Callmart calls are not exclusive: unless a Campaign Order says otherwise, similar calls may go to other buyers.