americo delphi training course.md
This document is a comprehensive internal training guide for CGH agents and case managers on the Americo carrier. It outlines Americo's unique positioning as both a last‑resort term carrier and the primary placement carrier for atrial fibrillation (AFib) cases that have not met the two‑year blood‑thinner threshold. The guide lists Americo’s product suite (Term 100/125, CBO 50/100, Payment Protector UL, Eagle Premier, Eagle Select) and details when to recommend or avoid the carrier, including hard underwriting stops (insulin use, diabetic clients above Table 2, unavailable states MS/NY/VT). It explains Americo’s prescription‑check‑only underwriting, higher face‑amount limits versus MoO, and the instant‑decision term process. A step‑by‑step case‑manager workflow is provided, followed by an extensive FAQ covering common agent questions, documented gaps (tobacco classification for non‑cigarette products and Eagle Select incentive terms), and product comparisons (Payment Protector vs. MoO IUL). The guide enumerates typical mistakes agents make, coaching language, decision‑training scenarios, knowledge‑check quizzes, escalation protocols, and a final list of five core reminders. All content is based on verified CGH source materials, with gaps explicitly flagged.
Topics
Americo's Dual Role: Last‑Resort Term Carrier and Primary AFib Placement Carrier
Explains that Americo is positioned as a fallback term carrier after core carriers, but is the first‑choice carrier for AFib clients who have not been on blood thinners for two years.
Case Manager Evaluation Workflow for Americo Submissions
Provides a step‑by‑step process (reason identification, decline‑reason check, hard‑stop verification, state/appointment confirmation, AFib blood‑thinner check) that guides agents through a disciplined review before submission.