Mortgage protection is the classic new-homeowner conversation: term life sized to the mortgage, bought at the moment the family takes on its biggest debt. ClosrLeads delivers OTP-verified mortgage protection leads at $30 and aged records from $1, captured with timestamped TCPA consent and backed by a replacement policy for invalid contacts.
Every product below is built for licensed insurance agents and agencies. Pricing starts at $1.00 per lead on aged volume; real-time and niche-filtered pricing varies by filter set, state, and daily volume. Live pricing and available filters are on the shop page.
Mortgage protection leads are homeowners asking a specific question: if something happens to me, does my family keep the house? The product behind the answer is term life insurance sized to the mortgage, often with living-benefit riders. Because the need is anchored to a concrete debt and a concrete monthly payment, MP remains one of the most script-friendly, highest-intent conversations in life insurance telesales.
The vertical built the careers of a generation of telesales agencies for a reason: the prospect self-identifies as a homeowner with dependents and a payment to defend. You are not creating urgency — the closing table already did.
ClosrLeads sells mortgage protection in four tiers: OTP-verified real-time leads at $30 per lead, and aged records at $5 for 45-90 days, $3 for 90-150 days, and $1 for 150+ days. For context, the wider MP market runs from roughly $10 for shared internet leads to $50 and up for exclusive direct-mail responders; $30 with passcode phone verification sits deliberately in the working middle — verified contact data without direct-mail economics.
OTP-verified flow carries your live shifts: the homeowner confirmed their number with a one-time passcode at submission, so dials connect and the conversation starts while the inquiry is warm.
Aged MP is the value play. The debt that motivated the inquiry is a 30-year commitment; the need outlives the lead's freshness by decades. A patient SMS-plus-call cadence on $1-$5 records reliably surfaces homeowners who never bought and still feel the exposure. Mix both: real-time for the dialer floor, aged for nurture and callback windows.
Records are captured on mortgage-protection-specific landing pages with affirmative, timestamped TCPA consent authorizing contact by a licensed agent. Every submission passes device-reputation, IP-quality, and duplicate checks before delivery; OTP products add passcode phone verification. Delivery is real-time by webhook into your CRM or dialer, or CSV for aged batches. Consent documentation is retrievable on request.
Anchor every touch to the home. "You asked about protecting the house on [street/city]" outperforms any generic life insurance opener because it is the reason they inquired. Quote coverage that tracks the mortgage balance and term, and present it as monthly-budget math next to the mortgage payment itself.
Sell the spouse conversation, not the death conversation: the emotional close in MP is the surviving family staying in the home. And place with living benefits where health allows — disability and critical-illness riders answer the "what if I just can't work" objection that stalls half of MP files.
Over 36,000 people — most of them licensed agents — follow @closrtech on Instagram, where discount codes and deal announcements post first.
Every record includes the fields licensed agents need to open a conversation and stay compliant. Additional fields may be available for real-time and niche lead types depending on the source and filter set.
Delivery: CSV file with column headers for aged, real-time webhook (JSON POST) for live flows, or both in parallel.
Every mortgage protection lead delivered through ClosrLeads is captured with timestamped, affirmative consent that documents who consented, when, how, and on what web property. The consent record is available on request, and is what your compliance team will need if a call or text is ever challenged under the Telephone Consumer Protection Act (TCPA) or state telemarketing rules.
Beyond opt-in capture, submissions are screened against duplicate, DNC, and quality signals, and high-risk inputs are filtered out before delivery. Buyers are responsible for maintaining their own calling-time windows, DNC policy, agent training, and state-level registrations. We document the consent; you document the agent behavior. Used together, the two form a defensible TCPA posture.
For the full regulatory picture, the FCC and FTC publish guidance on TCPA and telemarketing rules. Agents should also review their state insurance department bulletins for any state-specific requirements around lead calls, texts, and solicitation language.
Runs the classic MP phone flow: reference the home and the payment, quote term sized to the balance, close with a spouse-protection story. Buys OTP-verified flow because contact rate is the whole game in MP.
Books kitchen-table and virtual appointments around a home territory. Uses state and ZIP filters to keep drive time sane and works aged records between appointment blocks.
A final expense floor that adds MP as a second product line for younger, homeowner prospects. Same dialer, same cadence discipline, higher face amounts and commissions per placement.
Pick a lead type, choose your states, and start receiving leads the same day.
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