What mortgage protection leads do agents work?
- Direct mail leads. New homeowners receive a mailer after closing and send back a response card. These are the classic mortgage protection lead.
- Online form leads from social and search ads aimed at homeowners.
- Inbound calls from mailers that list a phone number.
- Aged leads from either source that were never fully worked. See the aged leads guide.
What makes mortgage protection leads hard to call?
Mortgage protection buyers are usually working homeowners. They are hard to reach during the workday, and the best contact windows are early mornings, early evenings and Saturdays.
The consent question is sharper here than in most lines. A mailed response card was signed, but its wording often authorizes contact from an agent and says nothing about an artificial or prerecorded voice. For an AI voice call, the consent must cover that (see the TCPA explainer). Card leads whose wording doesn't cover it belong on a human dialer.
Mailer leads also age fast. The card may sit for days before it's keyed in, and the homeowner may already have heard from other agents.
How does an AI appointment setter fit mortgage protection sales?
For online leads whose consent covers AI voice calls, the AI calls within minutes, confirms the state, the coverage need (the mortgage, the family, income replacement) and age band, and books a time with an agent. It answers callbacks around the clock, which matters for people who can only call back after work.
For card leads that only allow a human, the better tool is a branded power dialer, so the agent's own calls show the agency's name.
One honest tradeoff with Polca: Polca calls only between 9 a.m. and 7 p.m. in the lead's local time and never on Sundays, on AI and human calls alike. That is narrower than the federal 8 a.m. to 9 p.m. window, and agencies can tighten it but not widen it. If your best window for working homeowners is 7 to 9 p.m., Polca won't dial then, though Ava still answers callbacks at any hour.
What should you look for in an AI setter?
- Your agency's name on the call. Registered caller ID and healthy, rotated numbers, or the lead never answers.
- Speed on new leads and callbacks. A lead who calls back at 8 p.m. should reach someone, or get a booked time.
- A hard line on licensed work. The AI should book and transfer, not quote, advise or take applications.
- Live transfer. When a lead wants to talk now, the call should go to a rep while they are still on the line.
- Consent and opt-out controls that apply to every call, AI and human, and that your reps can't switch off.
- Recordings and summaries you can audit. You should be able to hear exactly what the AI said.
- Proof. Ask for unedited recordings of booked calls and results traced to sales, not screenshots.
How does Polca handle mortgage protection leads?
Polca (polca.ai) was built for agencies that sell by phone, mortgage protection included. Ava calls the agency's leads under the agency's name, confirms the lead's state, coverage need and age band, handles common objections such as “I already have insurance,” and books the appointment on the right agent's calendar. She never quotes prices, never takes applications and never binds coverage.
She calls fresh leads within minutes and works aged leads that were never fully worked. She answers callbacks 24 hours a day and can reschedule on the same call. When a lead wants to talk now, she live-transfers the call to one of the agency's reps, and the appointment she booked stays on the calendar as a backup. Calls are transcribed and summarized, and recorded where the agency's recording setting and the lead's state allow it, so the agent knows the lead's details before the appointment.
Calls show the agency's registered name on caller ID where the carrier and phone support it, from a managed pool of numbers that Polca rotates and monitors for spam labeling. Reps who dial their own leads use the agent-paced power dialer on the same seat, and booked appointments land on the agent's calendar. GoHighLevel is optional; if your agency uses it, contacts and appointments sync both ways.
Polca calls only between 9 a.m. and 7 p.m. in the lead's local time and never on Sundays, on AI and human calls alike. That is narrower than the federal 8 a.m. to 9 p.m. window, and agencies can tighten it but not widen it. Before Ava calls a list, your agency certifies that those leads gave prior express written consent to AI voice calls from your agency. See what Polca enforces and what your agency does.
Per agent on Ava, each month (as of November 2026): 46 appointments booked by Ava, 5 clients signed by the agent (about 11% of booked appointments), and $9,856 in annual premium (AP) written, about $118,000 a year. That is about $10 of AP written for every $1 spent on Ava (9.9×, measured against what the agency pays for Ava). Top agents are on pace for $134,000 to $137,000 a year of AP from Ava-booked appointments.
Ava booked the appointment; the agent signed the client. A signed client counts when the agent signed them within 60 days of the appointment Ava booked; AP counts everything signed. Source: production records of the agency Polca was built in. Individual results vary. Hear real booked calls.
Common questions
Can AI call my mortgage protection leads?
Yes, for leads whose consent covers telemarketing calls using an artificial or prerecorded voice from your agency. Many mailer response cards don't include that language, so check each source before turning AI calling on.
Are mortgage protection mailer leads TCPA compliant for AI calls?
It depends on the card's wording. A signed card that authorizes an agent to call may still not cover an artificial-voice call. Read the card and ask your counsel.
What hours does Polca call mortgage protection leads?
9 a.m. to 7 p.m. in the lead's local time, never on Sundays. Agencies can narrow those hours but not widen them. Ava answers callbacks 24 hours a day.
Does the AI explain mortgage protection policies?
No. Ava confirms the basics and books the appointment. She never quotes prices, takes applications or binds coverage.
Sources
- FCC Declaratory Ruling FCC 24-17 (AI-generated voices are “artificial” voices under the TCPA), released Feb. 8, 2024
- 47 CFR § 64.1200 (FCC telemarketing and robocall rules)
- National Do Not Call Registry for telemarketers
- FCC Reassigned Numbers Database
Let Ava call your mortgage protection leads.
Polca's AI appointment setter calls your leads under your agency's name and books meetings on your agents' calendars. The licensed conversation stays with your agent.
Book a call → Hear Ava call you