Question 1

Do I need to download an app to use Kinvo?

Accepted Answer

No. Kinvo works entirely in your browser using WebRTC technology. Just sign up, add credits, and start calling. It works on Chrome, Firefox, Safari, and Edge on any device with a microphone.

Question 2

How does the Kinvo credit system work?

Accepted Answer

Buy credits in preset amounts ($5, $10, $20, $50, or $100) or a custom amount. Each call deducts credits based on the per-minute rate for that country plus a $0.05 connection fee (only charged when the call is answered). Credits never expire. Larger packs include bonus credits: $20 pack gets +$1, $50 gets +$5, $100 gets +$15.

Question 3

What countries can I call with Kinvo?

Accepted Answer

Kinvo supports calls to over 220 countries including the US, UK, Canada, Australia, India, Germany, France, Japan, Brazil, Mexico, Philippines, and most of Europe, Asia, Africa, and South America. Both landline and mobile numbers are supported.

Question 4

Is Kinvo call quality good?

Accepted Answer

Yes. Kinvo uses WebRTC with HD voice codecs for crystal clear audio. All calls are encrypted end-to-end. Call quality is typically better than traditional phone calls, with real-time quality indicators showing latency and packet loss.

Question 5

Can I use my own phone number as caller ID on Kinvo?

Accepted Answer

Yes. You can verify your personal phone number through Kinvo's caller ID feature, and recipients will see your real number when you call. You can also purchase virtual phone numbers in the US, UK, Canada, and Australia.

Question 6

Do Kinvo credits expire?

Accepted Answer

No. Your credits stay in your account indefinitely until you use them. There are no hidden fees, no monthly minimums, and no expiration dates.

Question 7

Is Kinvo a good alternative to Skype for international calls?

Accepted Answer

Yes. Kinvo was built specifically to fill the gap left by Skype's shutdown in May 2025. Like Skype, Kinvo offers affordable international calls with a pay-as-you-go model. Unlike Skype, Kinvo requires no app download — calls are made directly from the browser. Kinvo supports 220+ countries with HD WebRTC voice quality, team accounts, and caller ID verification.

Question 8

How much do international calls cost with Kinvo?

Accepted Answer

Rates vary by country. Calls to US and UK landlines start from $0.03/min. Mobile rates are typically higher. There is a $0.05 connection fee per call, charged only when the call is answered. You can check exact rates for any country before you dial. Every new account gets a free 1-minute test call.

Question 9

What is the cheapest way to call internationally from a browser?

Accepted Answer

Kinvo is one of the most affordable browser-based international calling services. With rates starting from $0.03/min for popular destinations, no subscription fees, and credits that never expire, it is significantly cheaper than traditional phone plans or calling cards. The pay-as-you-go model means you only pay for the minutes you use.

Question 10

Does Kinvo support team or business accounts?

Accepted Answer

Yes. Kinvo offers team accounts with shared credit wallets, member management, per-user spending limits, and admin dashboards with per-member call analytics. Teams are created with a $150 minimum credit purchase, with no seat limits.

Department / Line	Phone Number	Hours
Annuities Service Center	+1 888 778 2888	—	Call
Customer Service	+1 800 778 4357	—	Call
General Customer Service	+1 800 778 2255 Mon-Fri, 8 a.m. - 8 p.m. ET	Mon-Fri, 8 a.m. - 8 p.m. ET	Call
Disability and Absence	+1 800 842 1718	—	Call
Claims	+1 800 524 0542	—	Call
Claims Center	+1 855 277 8061	—	Call

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