Mortgage Protection
Underwriting triage and lead qualification for mortgage protection
Every mortgage protection agent keeps a carrier cheat sheet. It is out of date, it is hand-made, and placing a client on the wrong carrier turns first-day coverage into a decline.
- Commission
- 5-10x
- Show rate
- 90%+
What is broken before we arrive
Carrier rules live in a hand-built sheet
Each carrier underwrites different health criteria, so agents assemble their own reference from carrier health questionnaires. Navigating that is described in the trade itself as what separates a good agent from a great one. It should not be a memory test.
The wrong placement is not a small error
Put a client with the wrong carrier and the case comes back declined or rated. The agent loses the sale, the client loses the coverage they came for, and the lead cost is spent either way.
The filing data is public and nobody works it fast enough
New mortgage filings are a matter of record. The constraint has never been finding the prospect, it has been reaching them, qualifying them and booking them before someone else does.
AI Lead Qualification & Underwriting Intelligence
An AI system that processes public mortgage filing data, qualifies prospects through intelligent outreach sequences, and matches homeowners to the right carrier product across Transamerica, Mutual of Omaha, Foresters and Corbridge.
Automated underwriting triage replaces the error-prone carrier cheat sheet with real-time eligibility scoring, applied across 32 or more state licenses so the agent is never quoting a product they cannot write.
The measured outcome on the client's book is a 90%+ show rate and five to ten times the commission per worked lead.
How the build runs
Encode each carrier's real criteria
The health questions, the knockouts and the rate classes become structured rules, versioned, so a carrier update is a reviewed change.
Score eligibility at contact time
The triage runs while the prospect is on the phone, so the product named is one they can actually be placed on.
Work the filing data continuously
Ingestion and outreach run on a schedule, not on whoever remembered to pull the list.
Respect the licence map
State licensing is a hard constraint in the routing, not a note in a manual.