insuranceQuotes, the lead brand of AWL, sells shared leads, live call transfers and clicks across auto, home, health, Medicare, life and small business, with prices quoted by phone and an optional Max Bid. Callmart sells calls, not leads, and lists its Final Expense and Medicare Advantage prices publicly, from $25. Pick by line first, then by pricing model.
What is the difference between Callmart and insuranceQuotes?
The main difference is breadth versus focus. insuranceQuotes is the agent-facing lead business of AWL, and it sells shared leads, Premium leads, qualified live call transfers and clicks across auto, home, health, Medicare, life and small business insurance. Its pricing page says leads and calls are carrier-exclusive and go to 3 agents on average, never more than 5, and it does not publish a price per lead or per call: a representative quotes packages and filters by phone, and an optional Max Bid feature lets you pay more to win leads in competitive areas. Callmart is the narrower of the two. It delivers live callers rather than lead records, and its public retail list holds three Final Expense campaigns (digital, TV and live transfers) plus Medicare Advantage, each priced by how long the call stays connected. You pay for a call after it ends, and only when it reached the buffer you picked. If you write several personal lines, insuranceQuotes covers more of them. If your business is Final Expense or Medicare over the phone, Callmart is organized around exactly those calls.
If the name sounds new, the business behind it is not. The insuranceQuotes agent FAQ says agents may previously have known it as NetQuote, InsureMe, AgentInsider or InsuranceAgents, and the Agent Resources link on netquote.com points to the insuranceQuotes agent site. AWL's About page says the company was named All Exclusive Leads and All Web Leads before it became AWL, that it began in 2005, and that InsuranceQuotes is its customer acquisition marketing division.
How do Callmart and insuranceQuotes compare side by side?
| Question | Callmart | insuranceQuotes (AWL) |
|---|---|---|
| What you buy | Calls only, no lead records | Shared and Premium leads, live call transfers and clicks |
| Insurance lines | Final Expense (three campaigns) and Medicare Advantage | Auto, home, health, Medicare, life and small business |
| Published prices | Yes, from $25 per call at retail | No: quoted by phone; optional Max Bid raises your price to win competitive leads |
| How you pay | Prepaid wallet funded by card through Stripe | Credit billing (new agents typically start at a $50 credit level) or prepay with automatic recharge |
| Sharing | Calls are not exclusive | Carrier-exclusive, sent to 3 agents on average and never more than 5 |
| Targeting | States per line, campaign switches, optional campaign hours | Free geographic targeting, carrier-specific and paid filters, daily and weekly limits, lead days and call schedules |
| Minimums and terms | No minimum spend or term; the Buyer Agreement ends on 30 days' notice once no Campaign Order is active | Not published on its site as of November 2, 2026 |
| Returns and credits | Credit requests filed per call and reviewed by Callmart | Separate return policies for leads and calls; invalid leads are credited |
| Delivery | Rings your number, a SIP endpoint, the browser softphone or the iPhone app | Email or lead management system, with optional text alerts |
How does insuranceQuotes price leads and calls?
insuranceQuotes does not publish a price list. Its pricing page describes leads and calls at competitive prices and asks agents to call for pricing, packages and filters, so the real number comes from a conversation rather than a web page. Its FAQ fills in how the account runs once you sign up.
- Max Bid (optional): a feature you enable to win more volume in competitive areas. You enter the most you will pay for a lead or call, and the FAQ says insuranceQuotes raises your price only enough to beat a competing customer's price, up to that amount.
- Filters: geographic targeting is free and optional filters cost extra. The FAQ also mentions carrier-specific filtering, daily and weekly limits, lead days and call schedules by time of day.
- Billing: on credit billing you are charged each time your balance reaches your credit level, and new agents typically start at $50. On prepay, your card is charged when funds fall to 25% or less of the recharge amount you chose. Invoices are bi-weekly only.
- Service Plan: an optional monthly service that lets you pause as often as you like and adds weekend lead discounts and a lead delivery schedule. Its fee is not published on its site as of November 2, 2026.
- Live calls: the pricing page advertises a 100% contact rate on qualified live call transfers and says you pay only for actual consumer contacts. Calls must be enabled separately from lead packages.
Its live calls come through a contact center. AWL says it created the AWL Contact Center in 2010 to turn online leads into live consumers on the phone, and the insuranceQuotes FAQ says a call is sent through only after the consumer confirms they want quotes, want to speak with an agent and have time. In other words, a representative qualifies the shopper before the handoff. The warm transfer guide explains how that differs from a caller dialing you directly.
How does Callmart price calls?
Callmart's price list is public, and your workspace shows the same numbers. Pick a campaign and a buffer (the connected time a call must reach before it is billed), and that pairing sets the price, which you confirm before the campaign goes live. The clock starts only when your line picks up. A call that rings out, or hangs up before your buffer, is not billed. Buffers start at 10 seconds, and longer ones cost more because they exclude more short calls.
| 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 |
Everything above is retail. If you run an agency or buy in bulk, you can apply for wholesale pricing, which Callmart quotes account by account. A first deposit comes with promotional call credit ($50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000) that cannot be cashed out, and buying calls carries no subscription or monthly fee. Should a campaign's price change, that campaign pauses until you approve the new one.
Where is each one stronger, and what do you give up?
insuranceQuotes (AWL)
- Six lines on one platform: auto, home, health, Medicare, life and small business.
- Leads, live calls and clicks from one vendor, with Premium leads added to Standard lead packages automatically.
- Carrier-specific filters, free geographic targeting and call schedules by day and time.
- A choice of credit billing or prepay.
- A long track record: AWL says it began in 2005 and has run its own contact center since 2010.
- No published per-lead or per-call prices; the number comes from a representative.
- Leads and calls go to 3 agents on average and up to 5, and ZIP code exclusivity is no longer supported.
- Optional filters and the Service Plan add cost, and the Service Plan fee is not published.
- Final Expense is not named on the lead types page reviewed.
- Invoices are bi-weekly only, with no monthly option.
Callmart
- A public dollar price for each campaign and buffer, repeated on screen before a campaign starts.
- You pay only for calls that reach your buffer; ringing time and early hang-ups are excluded.
- Answer on a headset in the browser or in the iPhone app, or send calls to your own number or SIP line.
- Per-line state selection, campaign switches and optional campaign hours.
- No minimum spend and no minimum term.
- Calls only: no data leads, no clicks, and no auto, home or small business campaigns on the public price list.
- Calls are not exclusive, and Callmart does not promise call volume.
- Retail buyers prepay; billing on terms is set per account for approved wholesale buyers only.
- The app is iPhone only; on Android you open app.callmart.io in the mobile browser.
Who should choose insuranceQuotes?
Choose insuranceQuotes if you write several lines, especially auto, home and small business alongside health, Medicare or life, and you want leads, calls and clicks under one account. Captive agents who need carrier-specific filtering will find more of it here than on a calls-only marketplace. It also suits agents who prefer credit billing to prepaying and who are comfortable getting prices and package details from a representative instead of a price page, with Max Bid available when you want more volume in a competitive area.
Who should choose Callmart?
Callmart is the better match when your phones are your sales floor and Final Expense or Medicare Advantage is what you write. You want callers, not records to chase. You can read every retail price before you create an account, pick a buffer that matches how quickly your agents can tell a good call from a bad one, and take calls on a headset in your browser, in the iPhone app, on a phone number or at a SIP address. Agencies fund one wallet, give each agent a login and an availability switch, and can see who is receiving. Start with how Callmart works.
How do you choose between insuranceQuotes and Callmart?
- 01List your linesIf most of your book is auto, home or small business, insuranceQuotes covers it and Callmart's public list does not. For Final Expense and Medicare Advantage, compare both.
- 02Choose leads, clicks or callsA lead needs fast follow-up, a click needs a page that converts, and a call needs an agent ready to answer. The insurance lead types guide lays out the options.
- 03Price it outAsk insuranceQuotes for its per-lead and per-call price in your area with your filters, whether Max Bid would raise it, and whether you need the Service Plan. On Callmart, the price list shows each buffer's cost before you sign up.
- 04Compare cost per saleTotal what each source cost you and count the policies it produced. Plug both into the cost per acquisition calculator to see which one pays.
- 05Start smallFund a modest balance with each, track results by source, and move budget toward the one that writes business at your target cost.
Common questions
01Is insuranceQuotes the same company as NetQuote and AllWebLeads?
Its own sites tie them together. The insuranceQuotes agent FAQ says agents may know it as NetQuote, InsureMe, AgentInsider or InsuranceAgents, and netquote.com sends agents to insuranceQuotes. AWL's About page says the company was named All Exclusive Leads and All Web Leads before becoming AWL, and calls InsuranceQuotes its customer acquisition marketing division.
02How much do insuranceQuotes leads cost?
Prices are not published on its site as of November 2, 2026. Its pricing page asks agents to call for pricing, its FAQ describes an optional Max Bid feature that raises your price only enough to beat a competing customer in competitive areas, and optional filters cost extra. The $50 starting credit level is a billing threshold, not a lead price.
03Are insuranceQuotes leads exclusive?
They are carrier-exclusive, not agent-exclusive. Its pricing page says leads and calls go to 3 agents on average and never more than 5, and its FAQ says ZIP code exclusivity is no longer supported. Callmart calls are not exclusive either: unless a Campaign Order says otherwise, similar calls can go to other buyers.
04What does Callmart charge for a Final Expense call?
At retail, Final Expense: Digital runs $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds, and the Final Expense: TV (CTV) campaign starts at $55, as of November 2, 2026. The seconds are the buffer a call must reach before it is billed. Agencies and bulk buyers can apply for lower wholesale rates.
05Does insuranceQuotes sell Final Expense leads?
Final Expense is not named on the insuranceQuotes lead types page reviewed on November 2, 2026, which lists auto, home, health, Medicare, life and small business. If Final Expense is your main line, ask its representatives whether it falls under its life products before you fund an account.