Callmart and The Call Store both sell inbound insurance calls from a prepaid wallet and bill a call only after it passes a buffer. The Call Store covers Medicare, ACA, Final Expense and Auto, says each call goes to one agent, and prices by vertical and state. Callmart publishes a full retail list for Final Expense and Medicare Advantage.
What is the difference between Callmart and The Call Store?
The two work in a similar way, so the differences sit in coverage, pricing and the fine print. The Call Store sells live inbound calls to licensed agents in four verticals (Medicare, ACA, Final Expense and Auto) from a prepaid wallet, and its calls ring a browser softphone or your own phone. Its site says each call goes to one agent at a time and is never resold, and that pricing varies by vertical and state; instead of a price list, the homepage shows one sample listing. Callmart also sells inbound calls from a prepaid wallet, but its public retail price list names four campaigns, all Final Expense or Medicare Advantage, with a set price for each connected-time buffer. Callmart calls are not exclusive, and a billed call you believe was invalid goes through a published credit request process. If you sell ACA or Auto, The Call Store covers the line. If you want every price in writing before you register, Callmart posts it.
Because both bill on a buffer and both let you pick states and pause, a fair test is simple: match the vertical, the state and the buffer length, then compare the price and what happens when a call goes wrong.
How do Callmart and The Call Store compare side by side?
| Question | Callmart | The Call Store |
|---|---|---|
| What you buy | Inbound calls, no lead records; the price list also has a Final Expense: Live Transfers campaign | Live inbound calls; the site also calls them live transfers |
| Insurance lines | Final Expense and Medicare Advantage on the public price list | Medicare, ACA, Final Expense and Auto |
| Published prices | Full list by campaign and buffer, such as $30 for 10 seconds, $40 for 30 seconds, $50 for 60 seconds, $60 for 90 seconds for Final Expense digital | One sample listing; prices vary by vertical and state |
| When a call is billed | Once, after it ends, if connected time reached your buffer | Once it connects past the qualifying buffer |
| How you pay | Prepaid wallet funded by card through Stripe | Prepaid wallet; payment methods not listed on its site |
| Minimums and contract | No minimum spend or term; the Buyer Agreement can be ended on 30 days' written notice once no Campaign Order is active | No minimums and no long-term contracts, per its FAQ |
| Exclusivity | Not exclusive | One agent per call, never resold, per its site |
| Where calls ring | Phone number, SIP address, browser softphone or iPhone app | Browser softphone or your phone; CRM integration optional |
| Agency setup | One shared wallet, team roles and a receiving switch per member | Agency wallet that distributes balance to managed agents |
| Bad-call handling | Credit request from the call in your history, reviewed per call | No dispute or return policy on its site or terms as of November 2, 2026 |
How does The Call Store price calls?
The Call Store does not post a rate card. Its FAQ says you prepay a wallet, pay per qualified billable call, and pay an amount that depends on vertical and state, with billing only once a call passes the buffer. The one price on the homepage is a sample: a Medicare inbound call in Tampa, Florida at $20 per billable call with a 60 second buffer and caller ID verification.
- No platform fees, no minimum call volume and no long-term contracts, per its homepage.
- Its terms define a billable call as one that connects past the qualifying duration buffer, but do not list buffer lengths by vertical, so read each listing before you go Ready.
- Daily volume and spend are set in the dashboard, and you can pause or resume flow when you choose.
A sample card is marketing, not a quote. Registration starts with your email address and a setup link, so check the live listings for your own states before you compare.
How does Callmart price calls?
Callmart lists its retail prices publicly by campaign and buffer, and those are the prices your workspace shows before a campaign goes live. If a price changes later, that campaign pauses until you confirm the new one, so a change never reaches your calls without your say.
| 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 |
Connected time starts when your line answers, and ringing never counts. Against The Call Store's Medicare sample, the closest Callmart campaign is Medicare Advantage, which has no 60 second tier: it is $35 at 30 seconds and $55 at 90 seconds at retail. Agencies and bulk buyers can request lower wholesale rates after a wholesale application. A 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), which has no cash value.
What are the strengths and tradeoffs of each?
The Call Store
- Four verticals, including ACA and Auto, which Callmart's public list does not cover.
- Each call goes to one agent and is never resold, per its site.
- No platform fees, minimums or long-term contracts; its FAQ says most agents go live the same day.
- Daily volume and spend settings, plus agency wallets that hand balance to managed agents.
- No full price list on the public site; price depends on vertical and state.
- No dispute, return or unused-balance refund policy in its site or terms.
- The softphone needs an open browser tab, and each transfer needs a disposition before you go Ready again.
- No mobile app is mentioned on its site.
Callmart
- A full retail price list by campaign and buffer, public before you sign up.
- Buffers from 10 seconds up, so you choose how many short calls you are willing to pay for.
- A published credit request process; an approved credit returns the full charge to your wallet.
- Calls can ring a phone number, a SIP address, the browser softphone or the iPhone app.
- The public price list covers Final Expense and Medicare Advantage only.
- Calls are not exclusive, and no call volume is guaranteed.
- No Android app; Android users work in the mobile browser.
- Each Callmart App phone takes one call at a time.
Who should choose The Call Store?
Choose The Call Store if you write ACA or Auto alongside Medicare or Final Expense and want one wallet for all of them, or if exclusivity matters more to you than a public price list. It also suits agency managers who want to give each agent a slice of the balance and set coverage agent by agent, and agents who want daily volume and spend settings in the dashboard.
Who should choose Callmart?
Choose Callmart if your book is Final Expense or Medicare Advantage and you want to see the exact price for each buffer before you register. It fits agents who want a written process for questioning a billed call, agencies that want one wallet with owner, manager, agent, finance and reporting roles (team accounts explains them), and buyers who answer on a SIP line or an iPhone as well as a browser. Larger buyers with their own routing can apply for wholesale pricing and have Callmart ask their system before each call.
How do you decide between them?
- 01Match the lineACA or Auto points to The Call Store. For Final Expense or Medicare, both are options, so the rest of these steps decide it.
- 02Price the same bufferPull The Call Store's listing for your state and compare it with the nearest Callmart tier on the retail price list. A 60 second buffer and a 30 second buffer are different purchases.
- 03Read the bad-call rulesCallmart's process is in how call disputes work. Ask The Call Store in writing how it handles a wrong number or a dropped call.
- 04Decide how much exclusivity is worthIf you will only buy calls no other agent receives, The Call Store states that. Callmart calls are not exclusive unless a Campaign Order says otherwise.
- 05Start small and measureNeither has a minimum spend, so fund a small balance on each and compare cost per policy with the cost per acquisition calculator.
Common questions
01Does The Call Store publish its prices?
Not as a full list. Its FAQ says pricing varies by vertical and state and that you pay only for calls that pass the buffer. The homepage shows one sample listing, a Florida Medicare call at $20 with a 60 second buffer, which is an example rather than a quote.
02Are The Call Store's calls exclusive?
Its site says each call routes to one agent at a time and is never resold. Callmart calls are not exclusive: unless a Campaign Order says otherwise, Callmart may route similar calls to other buyers. If exclusivity is a must for you, that difference matters.
03What does a Final Expense call cost on Callmart?
At retail, a Final Expense digital call is $50 at a 60 second buffer and $60 at 90 seconds, and Final Expense CTV is $75 at 60 seconds, as of November 2, 2026. Agencies and bulk buyers can request lower wholesale rates.
04Do I need a dialer or CRM for either one?
No. The Call Store rings a browser softphone or your phone, with CRM integration optional. Callmart's browser softphone works with a headset and no desk phone, and calls can also ring a phone number, a SIP address or the iPhone app.