Keystone Interactive sells under-65 health insurance data, live transfers and inbound calls, and its site publishes no prices or terms; you start with a contact form. Callmart sells inbound calls at posted retail prices, and its public list covers Final Expense and Medicare Advantage. If you sell under-65 health, look at Keystone Interactive first.
What is the difference between Callmart and Keystone Interactive?
They sell into different lines, and they sell in different ways. Keystone Interactive describes itself as a source of under-65 health insurance leads: real-time data generated from premium searches and pay-per-click traffic, plus live transfer and inbound call services staffed by call center professionals around the clock. Its site says it has worked in health leads and calls for over ten years. It publishes no prices, minimums, return policy or terms; you reach it through a contact form or by phone. Callmart sells inbound calls rather than data, and its public retail price list covers Final Expense and Medicare Advantage, with a fixed price for every connected-time buffer and written rules for billing and credits. If your agency writes under-65 health plans, Keystone Interactive is aimed at you and Callmart's public list is not. If you write Final Expense or Medicare Advantage, Callmart is the closer fit, and you can see what it costs without a sales call.
How do Callmart and Keystone Interactive compare side by side?
| Question | Callmart | Keystone Interactive |
|---|---|---|
| Main line | Final Expense and Medicare Advantage on the public price list | Under-65 health insurance |
| What you buy | Inbound calls, with a Final Expense: Live Transfers campaign on the price list | Real-time data, live transfers and inbound calls; a dialer is also a contact form option |
| Published prices | Yes, such as $55 for 10 seconds, $65 for 30 seconds, $75 for 60 seconds for Final Expense CTV | Not published on its site as of November 2, 2026 |
| How you start | Create an account, accept the Buyer Agreement, fund a wallet | Contact form or phone |
| How you pay | Prepaid wallet funded by card through Stripe | Not published |
| Billing rule | Charged only when connected time reaches your buffer | Not published |
| Returns and credits | Per-call credit requests, each one reviewed | Not published |
| Contract | Buyer Agreement with no minimum spend or minimum term | Not published |
| Delivery | Phone number, SIP address, browser softphone or iPhone app | Not described on its site |
What does Keystone Interactive sell?
Keystone Interactive offers three products for health insurance sellers, and its contact form lists a fourth option. The site is a single page with overview, services and contact sections, plus a privacy policy.
- Data
- Real-time consumer data generated through premium searches and pay-per-click traffic, aimed at people actively shopping for health coverage.
- Live transfers
- Consumers its call center staff connect to your team while they are shopping. Its site says the staff work around the clock.
- Inbound calls
- Grouped with live transfers as a way to reach active consumers; the site does not describe it separately.
- Dialer
- An option on the contact form with no description on the site, so ask what it includes.
Its privacy policy names the operator as Keystone Interactive LLC and says a contact form submission goes to its relationship managers to answer that request. Expect buying to start with a conversation. For a primer on how these formats differ, see the insurance lead types guide.
How does Keystone Interactive price leads and calls?
Pricing is not published on its site as of November 2, 2026, and neither are minimums, contract length, billing rules, states served or a return policy. Every number comes from the sales conversation, so the useful move is to ask for the terms in writing before the first order.
- The price per data lead, per live transfer and per inbound call, and whether it changes by state or volume.
- What makes a transfer or call billable: a minimum duration, or any connection.
- How many buyers receive each data lead.
- How returns or credits work, which reasons count and the deadline to ask.
- Whether you prepay, pay on invoice or pay on terms, and any minimum order.
- How calls are delivered, what hours they run and how you pause them.
The guide to vetting a lead vendor has a longer list. The aim is to compare any quote on cost per sale rather than on the headline price.
How does Callmart price calls?
Every Callmart retail price sits on its public price list, tied to a campaign and a connected-time buffer, and the same price appears in your workspace before a campaign goes live.
| 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 |
Choose a longer buffer and you pay more per call, because more short calls drop out of billing; the shortest buffer is 10 seconds. These are retail prices, and agencies and bulk buyers can request lower wholesale rates quoted per account. 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), which has no cash value.
How do billing and contract terms compare?
Keystone Interactive publishes no billing or contract terms, so there is nothing to compare until you have a proposal. Callmart's terms are public. You accept the Buyer Agreement when you create an account, and each campaign you confirm becomes a Campaign Order under it, with no separate signature.
- No minimum spend and no minimum term. You can end the Buyer Agreement on 30 days' written notice once no Campaign Order is active, and end a Campaign Order on its stated notice period, or five business days if none is stated.
- Buying runs on a prepaid wallet. Unspent balance refunds are handled case by case through support@callmart.io.
- Calls are not exclusive. Unless a Campaign Order says otherwise, similar calls may go to other buyers.
- The Terms are governed by Florida law, and Callmart is operated by CALLMART LLC in Naples, Florida.
What are the strengths and tradeoffs of each?
Keystone Interactive
- Under-65 health focus, with data, live transfers and inbound calls from one vendor.
- Data generated from premium search and pay-per-click traffic, per its site.
- Round-the-clock call center staffing for transfers, as stated on its site.
- Over ten years in health leads and calls, per its site.
- No prices, minimums, terms or return policy on its site.
- No portal, app or delivery method described.
- Health only; no Medicare or Final Expense product described.
- A one-page site, so most answers come from sales.
Callmart
- Retail prices public before you register.
- Written billing, credit and contract terms, including no minimum spend or term.
- Delivery to a phone number, SIP address, browser or iPhone, with one shared wallet and team roles for agencies.
- States chosen per line, plus optional campaign hours in Eastern time.
- No under-65 health campaign on the public price list.
- Calls only; no data leads.
- Not exclusive, and no call volume is guaranteed.
- One call at a time per App phone, and no Android app.
Who should choose Keystone Interactive?
Choose Keystone Interactive if you sell under-65 health insurance and want one vendor for data, transfers and inbound calls, with prices worked out in a conversation. It suits health agencies and call centers that already run a dialer and are used to negotiated terms. If you are comparing health vendors, Infinix Media is another one that sells health leads and transfers.
Who should choose Callmart?
Choose Callmart if Final Expense or Medicare Advantage is your line and you want posted prices, written terms and controls you run yourself. It suits Final Expense agents and Medicare Advantage agents working solo with a headset, as well as agencies funding one wallet for a team and watching each member's call activity.
How do you decide between them?
- 01Start with the lineUnder-65 health goes to Keystone Interactive. Final Expense and Medicare Advantage go to Callmart.
- 02Pick the formatData needs a dialer and fast follow-up; transfers and inbound calls put a person on the line.
- 03Get Keystone's terms in writingUse the questions above before you place an order, and keep the answers with your invoice.
- 04Read Callmart's terms and pricesThe retail price list and the call buffer guide show exactly what a billable call is.
- 05Measure cost per saleTrack each source on its own: spend divided by policies written tells you which one earns its budget.
Common questions
01Does Keystone Interactive publish its prices?
No. Its site, reviewed on November 2, 2026, has no pricing, minimums, contract terms or return policy. Buyers start through a contact form or by phone, and the terms come from that conversation, so ask for them in writing.
02What does Keystone Interactive sell?
Under-65 health insurance data generated from search and pay-per-click traffic, live transfers, and inbound calls. Its contact form also lists a dialer as an option. The site says it has worked in health leads and calls for over ten years.
03Does Keystone Interactive sell Medicare or Final Expense leads?
Its site focuses on under-65 health insurance and does not describe a Medicare or Final Expense product. If you need those lines from Keystone Interactive, ask its team directly; Callmart's public price list covers both.
04Does Callmart sell under-65 health calls?
Callmart's public retail price list covers Final Expense and Medicare Advantage campaigns, and no under-65 health campaign appears on it. Which campaigns an account sees depends on its approval and enabled services. For an under-65 health book, a specialist such as Keystone Interactive is the better place to start.
05Can I use Keystone Interactive and Callmart together?
Yes, if you write both under-65 health and senior lines. The products do not overlap, so an agency can buy health data or transfers from one and Final Expense or Medicare Advantage calls from the other, then compare each on cost per policy.