AI front office, live now

AI works the funnel. Your advisor closes. Coverage never sleeps.

Hearthmark is an AI-native brokerage built for mortgage protection and term life insurance. AI agents staff the front office around the clock — qualifying per TCPA and state licensing, scoring intent, scheduling live calls, and chasing the renewal. The moment a prospect is ready, a licensed human advisor takes the handoff. No lead slips out of the pipeline.

Talk to the teamSee the deliberate split
TCPA-aware qualification State-licensed handoffs Carrier-side-by-side

The deliberate split

Machines don't close. They shouldn't pretend to.

The split is intentional. AI absorbs the volume work that AI voice agents handle in production today; humans hold the accountability that a policy demands.

What the AI handles
  • Real-time TCPA + state-license screeningEvery call verified for consent, calling hours, and the advisor's license jurisdiction before a single question is asked.
  • Intent scoring & qualificationGlass-level scoring on mortgage status, dependents, household income, and policy timing — not just lead form fields.
  • Live-transfer schedulingBooks the handoff window, sends confirmations, rebooks on no-show, holds the slot against calendar collisions.
  • Side-by-side carrier quotesPulls rate classes across your appointed carriers in seconds; the advisor walks in already pre-quoted.
  • Renewal & lapse chasingOwned ownership of the policy file after binding — never another orphan in a CRM.
What your advisor closes
  • Underwriting callsMedical history, risk class negotiation, carrier escalation — the human judgment buyers actually pay for.
  • Carrier appointmentsState-specific appointments, contracting, and product access — the part no AI voice agent handles well.
  • Policy binding & serviceOwner of the policy from funded through renewal year three. The name on the file.
  • Annual coverage reviewLife events, beneficiary changes, mortgage-payoff recalculation — handled by someone the client sees.

Pipeline

One lead. One file. Six stops — and not one of them lets the lead drop out of the pipeline.

  1. 01Step

    Inbound · lead captured

    Form, partner transfer, or self-sourced. Time-stamped and consent-checked.

  2. 02Step

    AI qualification · TCPA + state

    Calling-hour window, jurisdiction of the licensed advisor, consent language on file.

  3. 03Step

    Intent score + carrier pre-quote

    Mortgage balance, dependents, policy term. Carrier matrix runs in the background.

  4. 04Step

    Live-transfer schedule

    Window booked against the advisor's calendar, confirmations sent, no-shows rebooked.

  5. 05Step

    Advisor handoff

    Brief is delivered: intent score, pre-quotes, state license matched. Host-guest transition.

  6. 06Step

    Bind · service · renewal

    Policy owner from day one. Annual review owned by the advisor, not the CRM.

Economics

Sits comfortably inside the math your producers already know.

No new billing model. No per-call SKU. Hearthmark runs on the per-lead economics and SaaS budgets independent producers already operate against — wide enough to widen the funnel, narrow enough to ship this quarter.

Per live transfer
$20–$60

Inside the standard mortgage-protection live-transfer pay range — and consistent across the carriers you already book with.

Platform · per seat
$200–$500/ mo

SaaS budget an independent producer can sign off on without the captive-channel headache.

Founder

Built by a host, not a script engineer.

Dionne Powe spent 26 years in hospitality operations and 19 running multi-unit Chili's teams — the kind of training where the transition from the floor to the table is the whole point of the job.

Hearthmark's hand-off — AI to advisor, advisor to client — is built on that discipline. The moment an AI voice agent hands a call off to a licensed advisor is the moment a guest hears, for the first time, that the house knows they're there. Get that wrong and the deal dies; get it right and the policy funds.

26 yrs hospitality
19 yrs multi-unit ops
Mortgage protection
Why the AI-to-advisor handoff is built like a host greeting a guest

The AI doesn't close the call. It opens the door, confirms the language, checks the license jurisdiction, and waits — like a host who knows the guest is on the way.

The advisor walks in already briefed: intent score, pre-quotes, family situation, mortgage balance. The handoff is a greeting, not a handoff.

The client never hears a script reading itself. They feel, for the first time on the call, that they are talking to the house.

Compliance

Built inside the rules. Built to be audited by them.

Mortgage-protection and term-life work is regulated work. Hearthmark is built so that the AI never operates ahead of the license.

View compliance log →

Next step

Hand us the funnel. Keep the close.

One conversation with the team, no demo theatre. We will walk you through how the hand-off would look on your leads, your carriers, your state mix.

Talk to the teamOpen today’s briefing
hearthmark-uh7m6j@polsia.app