Script library, mortgage protection
The mortgage protection phone script, word for word
This is an appointment-setting script. The only goal of the call is a booked 15 to 20 minute sit-down. Nobody buys a policy on a cold callback, and trying to sell one is the fastest way to lose the appointment you could have had.
1. The pickup
Goal
Sound like a person, anchor to their card, about twelve seconds.
“Hey, is this John? ... Hey John, this is Andrew, a licensed agent following up on the mortgage protection card you mailed back on the house on Maple Street. Do you have a minute?”
Name, reason, permission. No “how are you today,” no company monologue. The card and the street name do the credibility work.
2. The frame
Goal
Separate yourself from the bank and set the appointment as the goal.
“Quick context so this makes sense. I'm not with your lender, I'm an independent licensed broker, which actually works in your favor because I compare several carriers instead of pushing one. My whole job on this call is simple. You asked for information, and the best way to get it to you is a quick 15 to 20 minute sit-down where I show you the options and the real numbers for your situation. Nothing gets decided on this call.”
Two jobs. Kill the “is this my bank” confusion before it becomes an objection, and lower the stakes so booking feels small.
3. Discovery, three questions only
Goal
Enough to personalize the sit-down, not a full fact-finder.
“So I bring the right options and not a phone book, is the goal mainly to pay the house off if something happens to you, or income for the family too?”
“And is this just for you, or you and your spouse together?”
“Rough ballpark, are you both in decent health? No surgeries or anything major in the last couple years?”
Each answer narrows the quote work. The health question also pre-frames underwriting so it is not a surprise later.
4. The two-times close
Goal
Offer a specific choice, then stop talking.
“Perfect. I'm going to be out your way twice this week. I've got Tuesday at 6:15 or Thursday at 7:30. Which one works better for you two?”
A specific pair of times beats “when are you free” every single time. After you ask, be quiet. The silence is the close.
5. Lock it down
Goal
Make the appointment real so it survives until Thursday.
“Great, Thursday 7:30. Grab a pen, my name again is Andrew, here's my number. I'll have your options worked up, so if anything changes, call me instead of just canceling, fair? And make sure Sarah's there too since this covers her as well.”
Name written down, number saved, spouse expected, permission to reschedule instead of ghosting. Four small hooks against a no-show.
The four pivots you will need
Clear it in one breath and turn it into an advantage. You're independent, you compare several carriers for them, and the card they mailed is the only reason you're calling.
The number one mix-up. PMI protects the bank if they stop paying. This pays the house off for the family if something happens to you. Two different things, and that gap is what the appointment covers.
Agree, then trade. The right info depends on their answers, so convert to the three discovery questions or a booked time.
That is exactly why the appointment matters. Coverage gets built around the budget, and the sit-down costs nothing. If the numbers do not work, no problem.
A script you have read is not a script you own.
Paste the quoted lines into RingReady and run them out loud against an AI homeowner who objects like a real one. Your practice prospect reads roughly the first 250 words, so put your opener first.
Full product, no card required.