Delphi Training Docs — Batch 2 (2026-06-30) — CGH Knowledge Articles
This internal training document provides agents with step‑by‑step procedural guidance on four distinct underwriting and payment scenarios encountered in mortgage‑protection and term/UL life insurance. The first section explains how to determine whether a Texas client can pay mortgage‑protection premiums by credit card, emphasizing carrier‑specific e‑application checks and compliance with client authorization. The second section addresses GPM face‑amount limits, advising agents to verify caps with GPM’s New Business line and to consider quoting GPM Alliance Term as a lower‑cost alternative when budget constraints exist, while documenting any coverage‑gap trade‑offs. The third section outlines how to assess build (height/weight) and tobacco‑lookback periods for an older male simplified‑issue term/UL case, noting that carrier charts and lookback windows vary and must be confirmed directly. The final section guides agents on alternative carrier options for clients declined due to taking three or more blood‑pressure medications, highlighting Foresters and GPM as more flexible carriers, the need for current BP documentation, and compliance cautions about outcome promises. Across all sections, the document stresses verifying carrier‑specific rules, recording client consent, and avoiding assumptions that are not documented in CGH’s source material.
Topics
Texas Mortgage Protection Credit Card Payment Feasibility
Procedure for confirming whether a Texas client can pay mortgage‑protection premiums via credit card, including carrier‑specific e‑application checks and New Business line verification.
GPM Face Amount Caps and Alliance Term Affordability Comparison
Guidance on handling GPM e‑application face‑amount rejections, confirming caps with GPM, and using GPM Alliance Term as a cost‑effective alternative while documenting coverage‑gap implications.
Build and Tobacco Lookback Classification for Older Male Simplified Issue
Steps to evaluate height/weight build charts and carrier‑specific tobacco‑free lookback periods for a 63‑year‑old male, emphasizing verification of carrier rules and compliance with tobacco classification.
Alternative Carrier Strategies for 3+ Blood‑Pressure Medication Declines
Recommendations for selecting next‑try carriers (Foresters, GPM, possibly American Amicable) when a client is declined due to three or more hypertension medications, including required documentation and compliance notes.