Hey ___, it's (you) — calling you back for the mortgage protection appointment. How's your day going so far?
Perfect. Grab a pen and paper for me. I'm going to give you your mortgage ID, my name spelled out, and my license number for the state of ___ — so you know exactly who you're working with.
All of this coverage is based on your age, health, and habits — those three things decide which programs you qualify for and what it costs. So I'll ask a few quick questions, shop it around, and come back with the cheapest price for the most coverage.
When the day does come and you pass away, who's the primary beneficiary — who's left to deal with the home?
And if you were to pass — what do you think she would do with the home? Keep it? Sell it?
Let them answer. That picture is what the rest of the call protects.DOB, height/weight, smoker, meds — then the knockouts:
Alright, I'm going to plug all that in — it shops around and kicks back the cheapest price for the most coverage. While that loads, let me explain how the coverage actually works, so you understand everything before you see the cost.
Buys you teach-time. Price lands last, into someone who already gets the value.There's a death benefit, and it covers pretty much any kind of death — natural, accidental, even pre-existing conditions, doesn't matter how — it pays out to her when you pass.
The only things it won't cover are three: suicide, dying while committing a felony, or dying in a riot. I think you're all good there, right?
There's also a living benefit. If a doctor ever diagnoses you with a terminal illness — a year or less to live — you can access the money while you're still alive, for medical bills or anything you need.
There's two things I'd want my own family to know if they were the ones getting this:
One — it's tied to you, not the home. If you refinance, change lenders, or even move homes, you keep the coverage. It follows you, not the house.
Two — the premium and death benefit never change. As you get older, what you pay never goes up and what you're covered for never goes down. Locked for life.
Before I explain your plans, ___, I want you to know the company makes these flexible — as long as we get you approved for something, you can always change it later. Make sense?
Full transparency: they'll have me show you a few plans, because every household's a little different. But they all have the same death benefit, same living benefits, same qualifications — the only thing that changes is the amount.
Now pick the track below. The decoy + payment-protector + months close are Critical Period only. If you're writing Term, skip that lane and run the Term lane — your regular flow.The first is what everyone thinks mortgage protection is — the one that pays off the entire loan balance, the full payoff. Thing is, almost nobody goes with it: you have to be under 50 to even qualify, and even then it runs thousands a month. You don't want that, right?
So what everyone actually does is the payment protector — it covers your monthly mortgage payment for a set stretch of time after you pass. That gives her room to grieve, breathe, and sort the finances on the reduced income — time to refinance, get a roommate, keep it, or sell. It buys her time.
For each: “if you pass away or get sick and can't work, they step in right away and cover the mortgage payments for you and your beneficiary.”
Alright ___, keep that pen handy — let me just pull these options up for you real quick and read them back.
No decoy, no “months” framing here. Straight into the numbers, your regular way.For each: “this one covers a $___ benefit that goes right to you and/or the family.”
“If it's too expensive I'm not going to recommend any of those — that's why I'm assigned to you today. We're not here to take food off the table, we're here to put food on it when something happens.”
▸ Lowest plan: go with the lowest they have — we can always increase it later, no fees, no penalties. We don't need the whole loan, just something before enrollment closes.
▸ Foot in the door: a starter program that's more reasonable, just to take advantage during open enrollment.
Keep your full spine here: mailing address, DOB, Social, authorization code, beneficiary (just confirming what they already told you in step 4), banking / routing.
This is your compliance backbone — Cason shows none of it on camera. You keep all of it.➕ And if you get any more of those notices in the mail, just throw them away now — you're all set. Cason's line — kills competition + buyer's remorse.
Your Outro & Advanced Market Closing Statement — verbatim. This is the part that solidifies it.OK now ___, I just sent over your MyPolicyInfo. All you're gonna do is click the text or email I sent and log into your MyPolicyInfo now to finish everything up here and make sure your login works.
Again, to wrap this up and summarize what we have coming your way… number one, you're going to get that paper copy your way. The next thing is the digital copy if you ever need to send it to anyone or make more copies. And lastly you have your MyPolicyInfo you're logging into now — think of it like your quick view to see everything in one place, where you can make any changes or get in contact with me, and I'm always going to be a phone call away.
The only reason I wouldn't answer is I'm probably just on the other line with another household — but I'll be sure to get back with you right away.
One last thing before we wrap up — I'm going to give you a 4-digit verification PIN for your records to keep everything secure. If anyone tries to contact you regarding your application, simply ask them for this PIN. That way you know exactly who's authorized to contact you about your mortgage protection.
Do me a favor and write this down. Let me know when you're ready for the PIN… That PIN is going to be: (last 4 of your phone #).
I'll be your main point of contact, so if anything comes up you can always reach back out to me directly, okay?
Is there anything else you need from me… other than a million bucks? (haha) Perfect — and I see you got into your MyPolicyInfo on my end. So with that, I hope you have a great rest of your day!