For licensed agents
Mortgage protection leads, and the window that closes.
Almost every mortgage protection lead in the country comes off the same public county records, which means the difference between a good one and a dead one is rarely the vendor. It is how fast you reach them after closing. Here is what each type costs and how to work the window.
Sources
Five ways to get them, one underlying list.
Typical US market ranges in 2026. Your pricing moves with volume, state, and vendor.
Direct mail
$30 - $50The letter references their actual mortgage, lender, and amount, pulled from the public record. Nothing else in this vertical converts like a piece of mail that already knows what they just signed.
Telemarketed
$25 - $45A call center works the same new-homeowner records and hands you a warm name. Quality swings hard by vendor, and the consent record is the thing to check before you buy volume.
Internet / real-time
$25 - $60Fast delivery, and if you dial inside a minute you have a real shot. Past that you are the fourth agent calling about the house they bought last week.
Aged MP leads
$1 - $6Cheap enough to work in volume. The catch specific to this vertical is that urgency decays fast — six months after closing, the emotional window has usually closed with it.
Your own Facebook ads
$12 - $35Target recent-mover and new-homeowner behaviors in your own ad account. Slower to start and cheaper once the pixel knows your buyer, and nobody else gets a copy of the name.
The thing that actually matters
You are selling a feeling with an expiry date.
Somebody who closed three weeks ago just signed for the biggest debt of their life and has not stopped thinking about it. Somebody who closed eight months ago has moved on, hung pictures, and stopped noticing the number.
That is the whole vertical. It explains why aged MP data is nearly free, why speed to lead matters more here than anywhere else in life insurance, and why the agents who do well are the ones reaching people inside the first month rather than the ones with the cleverest script.
Running your own ads helps for exactly one reason: the lead lands in your account the moment it is generated, and nobody else got a copy first.
Working them
Five things that move the number.
- Call inside the first hour on anything real-time. On shared MP data, the first agent to connect wins most of the time.
- Reference the actual mortgage. The amount and the lender are on the record, and using them separates you from every generic call they got.
- Work the 30 to 60 day window hardest. Past 90 days your conversion falls off a cliff no script fixes.
- Check the consent record before buying volume. New-homeowner data gets scraped and resold constantly, and TCPA exposure lands on you.
- Quote term against the loan balance, not a round number. It makes the recommendation obvious instead of arbitrary.
Questions
Asked constantly.
What are mortgage protection leads?
Homeowners who recently closed on a mortgage and responded to an offer about covering that mortgage if they die or become disabled. The product sold against them is usually term life or return-of-premium term, sized to the loan balance. Most of the market is generated off public county mortgage records, which is why the same names circulate between vendors.
How much do mortgage protection leads cost?
Direct mail runs $30 to $50, telemarketed $25 to $45, internet and real-time $25 to $60, and aged leads drop to a few dollars. Agents generating their own through Facebook typically land between $12 and $35 once past the learning period.
How soon after closing should you contact a mortgage protection lead?
Inside the first 30 to 60 days if you can. The lead responds to the feeling of having just taken on the largest debt of their life, and that feeling fades fast. A lead worked at three months converts noticeably worse than the same lead at three weeks, which is why aged MP data is priced the way it is.
Are mortgage protection leads exclusive?
Direct mail usually is. Internet and real-time leads are commonly sold two to five times, and aged leads well beyond that. Since most vendors work the same public mortgage records, "exclusive" often means exclusive to that vendor rather than exclusive to the prospect. Ask which one they mean, in writing.
Do mortgage protection leads work on Facebook?
Yes, and it is one of the better verticals for it. Meta cannot target income directly anymore, but recent-mover and new-homeowner behaviors are still usable, and the creative writes itself because the pain is specific and recent. The tradeoff is the usual one: a month of expensive learning before the numbers settle.