I could give you help with that, but you need to understand that mortgage protection direct mail lead returns have fallen by half in the last year or so. Many if not most are re-fi, and they are doing the re-fi because they are broke. Many are seniors also.
Have you thought about using older data? After 6 months, you can get complete demographics including scrubbed phones. You could go in with something other than a table 6 "package policy", and cut their premium in half for a better product.
Atlantainsguy
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