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One can talk with live video on the iPhone using Skype, this information can be obtain from Skype. All you need to get started by download Skype for free.
There is a app called skype you can text with it and theres ebuddy which id for instant messeging
Skype is bought by Microsoft so there is no specific ticker for Skype.
At the moment Skype is the most reliable VOIP provider. You can check them at at http://www.skype.com Vonage and Skype offer similar products. As of right now Skype seems to have a slight edge in reliability.
Skype