Are you still selling mortgage protection over the phone? I am newly licensed. How can I learn to sell MPI over the phone rather than in home?I do MP over the phone but NOT with MOO. 60% comp is ridiculous unless they are providing you with QUALITY leads for free. I think most, if not all, free lead programs suck. If you do the math, you are better off paying to generate your own leads and getting a better comp. The problem is most agents don't WORK so they buy leads, don't work them and then cry about being broke.