SmartFinancial sells real-time prospect data and exclusive, intent-checked live transfers across auto, home, health, life, commercial and group health, with prices quoted on request. Callmart sells Final Expense and Medicare Advantage calls at published retail prices from $25 per call, billed only past a connected-time buffer. Choose by line first, then by exclusivity and price visibility.
What is the difference between Callmart and SmartFinancial?
SmartFinancial and Callmart sell different products into mostly different lines of insurance. SmartFinancial for Agents sells real-time prospect data, paid per lead, and live transfers that its own call center screens for intent and then sends to only one agent. Its agent pages cover auto, home, health, life, commercial and group health, and it quotes prices through a "Check Volume & Get Pricing" request instead of a public list. Callmart is an inbound call marketplace: it sells phone calls, never lead records, and its public retail list covers Final Expense digital, Final Expense TV (CTV), Final Expense live transfers and Medicare Advantage. Every Callmart price is attached to a connected-time buffer, and a call is billed once, after it ends, only if it reaches that buffer. So the first filter is your line of business. A P&C or commercial agent lines up with SmartFinancial, while a Final Expense or Medicare phone agent lines up with Callmart.
Exclusivity is the second split. SmartFinancial says each live transfer goes to one agent. Callmart calls are not exclusive: unless a Campaign Order says otherwise, Callmart may route similar calls to other buyers. If a one-agent transfer is the product you want, weigh that before you compare prices.
How do Callmart and SmartFinancial compare side by side?
| Question | Callmart | SmartFinancial |
|---|---|---|
| What you buy | Calls, not lead records; the list includes a campaign named Final Expense: Live Transfers | Real-time prospect data (pay per lead) and live transfers |
| Insurance lines | Final Expense and Medicare Advantage on the public price list | Auto, home, health, life, commercial and group health |
| Published prices | Yes. Final Expense digital: $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds | No: pricing comes from a volume and pricing request |
| Exclusivity | Calls are not exclusive | Transfers go to one agent; the prospects page does not say how many agents get a lead |
| How you pay | Prepaid wallet funded by card through Stripe | Not described on its agent pages; returned leads are credited to the account balance |
| Contract and minimums | No minimum spend or term; the Buyer Agreement can end on 30 days' notice once no Campaign Order is active | "No required minimums or contracts" |
| Returns and credits | Request a credit from the call in your call history; each request is reviewed | Lead returns from day 7 to day 10 after delivery, as account credit |
| Where calls ring | Your phone number, a SIP address, the browser softphone or the iPhone app | Transfers go to your office or cell phone; leads post to 200+ integrations |
| Volume and timing controls | States per line, campaign hours, receiving and pause switches, line capacity | Geography, filters, quantity, delivery method, daily limits and concurrency caps |
How does SmartFinancial price leads and live transfers?
SmartFinancial does not publish a per-lead or per-transfer price. Its prospects and live transfer pages both send agents to a "Check Volume & Get Pricing" request and describe the pricing as fair and transparent, with no required minimums or contracts. Your cost depends on the area and volume you ask about, so the only fair comparison is a quote for the exact territory and lines you work.
- Prospects are sold pay per lead with no long-term commitments and delivered in real time through more than 200 integrations, including Salesforce, AgencyZoom, PhoneBurner, Convoso and Velocify.
- Live transfers are checked by its call center for the prospect's information and intent, then sent to one agent's office or cell phone. It describes the result as a 100% contact rate.
- Its dashboard tracks quote volume, cost per quote and bind rate, with real-time budget controls, a CPA calculator and a quote-to-bind tracker.
Contactability, a pay-per-call site under a SmartFinancial agreement
Agents researching SmartFinancial's call side may also come across Contactability, a pay-per-call insurance site whose terms of service (last updated May 7, 2025) name SmartFinancial.com Insurance LLC, doing business as SmartFinancial.com, as the contracting company. Contactability lets agents set their own bid, says its pre-screened calls are exclusive, and states that you only pay for calls over 90 seconds. Its terms describe an opening deposit in an amount it sets, automatic rebilling when the balance reaches $50 or less, and a dispute window that closes on the fifth day after you receive a bill.
How does Callmart price calls?
Callmart posts its retail prices publicly, and the price on the pricing page is the same one shown in your workspace and again before you switch a campaign on. Each price belongs to a buffer: the connected time a call must reach before it is billed. Connected time starts when your line answers, so ringing never counts, and a call that is never answered or ends short of the buffer is not charged.
| 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 |
A longer buffer costs more per call because more short calls fall outside billing, and the shortest buffer is 10 seconds. Agencies and bulk buyers can ask for lower wholesale rates through a wholesale application, 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. That credit has no cash value. There is no subscription or monthly fee to buy calls, and creating an account commits you to no spend.
How do returns and credits compare?
Both companies settle bad leads or calls with account credit, not cash, but the rules differ. SmartFinancial's lead return policy, last revised April 23, 2022, accepts requests from day 7 through day 10 after delivery. Reasons it will likely credit include disconnected or wrong numbers, duplicates it sent within 30 days, leads outside your geography, language barriers and filter errors. It may decline a return when the consumer already bought elsewhere or you did not write a policy, leads bought with promo credits or rewards points are not eligible, and accounts with a high return rate may be audited. The policy is written for leads and mentions calls only in its list of reasons a return may be declined, such as calls that go unanswered to voicemail, so ask how transfer credits work.
On Callmart, a call that ends before your buffer never reaches your bill. If you believe a billed call was not valid, you request a credit from that call in your call history and pick 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, and a credit is not guaranteed. An approved credit equals the charge and goes back to your wallet. The call disputes guide explains the process.
What are the strengths and tradeoffs of each?
SmartFinancial
- Live transfers go to one agent only, after its call center checks intent.
- Six lines, including commercial and group health.
- Daily limits, concurrency caps and a long list of CRM and dialer integrations.
- No required minimums or long-term contracts.
- No public price list; you request pricing by area and volume.
- Lead returns open only from day 7 to day 10 after delivery and are paid as account credit.
- The prospects page does not say how many agents receive each data lead.
- Final Expense and Medicare are not listed as lines on its agent pages.
Callmart
- Published retail prices by campaign and buffer, from $25 per call.
- Ringing, unanswered calls and calls under your buffer are not billed.
- Final Expense digital, CTV and live transfer campaigns plus Medicare Advantage from one wallet.
- Choose the states each line accepts, set optional campaign hours, and pause your line on every device at once.
- Calls are not exclusive, and no call volume is guaranteed.
- No auto, home, health or commercial campaigns on the public list, and no data leads.
- Each Callmart App phone takes one call at a time, and there is no Android app.
- Credit requests are reviewed one by one, and approval is not guaranteed.
Who should choose SmartFinancial?
Choose SmartFinancial if you write auto, home, commercial or group health and want a transfer that no other agent receives. It also fits agencies that already run a CRM or dialer on its integration list and want prospect data flowing into it in real time, with daily limits and concurrency caps holding volume where the team can handle it. If you are comfortable getting a price after you share your territory and volume, its quote-based model is no obstacle.
Who should choose Callmart?
Choose Callmart if your book is Final Expense or Medicare Advantage and you sell by phone. You can read the price of every tier before you sign up, pick a buffer that matches how quickly you qualify a caller, and take calls on a headset in the browser, in the iPhone app, or on your own phone number or SIP line. Agencies fund one wallet for the team, give each agent a login and destination, and see who is receiving. Read how Callmart works for the full setup.
How do you decide between them?
- 01Start with your lineIf most of your premium is personal lines P&C or commercial, start with SmartFinancial. If it is Final Expense or Medicare Advantage, start with Callmart's list.
- 02Choose the productDecide between lead data you call back and a live call on the phone. The insurance lead types guide sorts them out.
- 03Get prices you can compareRequest SmartFinancial's quote for your territory. For Callmart, read the retail price list and pick a buffer using the call buffer guide.
- 04Write down the credit rulesNote each vendor's credit window and accepted reasons before the first purchase. The lead vendor vetting guide lists the questions to ask.
- 05Measure cost per saleNeither requires a minimum, so fund a small test, then divide spend by policies written with the cost per acquisition calculator.
Common questions
01How much do SmartFinancial leads cost?
SmartFinancial does not publish lead or transfer prices on its agent site. As of November 2, 2026, its prospects and live transfer pages ask agents to request volume and pricing for their area. It states there are no required minimums or contracts, so you can ask for a quote without committing to spend.
02Are SmartFinancial live transfers exclusive?
Yes, according to its live transfers page: each transfer goes to only one agent after its call center checks the prospect's information and intent. Its prospects page does not say how many agents receive each real-time data lead, so ask about that separately before you buy prospects.
03Does SmartFinancial sell Final Expense or Medicare leads?
The agent pages reviewed on November 2, 2026 list auto, home, health, life, commercial and group health. Final Expense and Medicare are not named as separate lines, although its prospects page refers to Medicare marketing requirements. Confirm with its sales team. Callmart's public price list covers Final Expense and Medicare Advantage calls.
04Does Callmart sell live transfers?
Yes. Final Expense: Live Transfers is one of Callmart's four public campaigns, priced at $80 for a call that reaches 120 seconds of connected time, as of November 2, 2026. Like every Callmart call, these calls are not exclusive, and agencies and bulk buyers can request lower wholesale rates.
05Do I sign a contract with either company?
SmartFinancial says it has no required minimums or contracts. Callmart buyers accept a Buyer Agreement when they create an account, with no minimum spend and no minimum term. You can end it on 30 days' written notice once no Campaign Order is active.