{"id":"853feb38e75991ada80f97223c926fe72bafa5e7e000cc37794f8a039d6f0728","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"End-to-end journey","text":"End-to-end journey\n\nZERO KNOWLEDGE (loan lead) → Intent = mortgage_protection → Demographics + loan facts → Build + tobacco → Disease interview (knockouts) → Spouse/co-borrower if joint → Income sanity (face vs income) → DecisionResult (Level|Graded|GI|Postpone|Decline) → Carrier shortlist (rulesets) → HUMAN AGENT briefing + client disclosure → e-App / wet signature → Requirements / issue → SALE COMPLETE","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-1"}}
{"id":"9d4ce357683744bb841da2c2771d717802cb9982fc73f647679f057fb9edbdbd","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"Step index","text":"Step index\n\nStep 0: Lead intake — zero knowledge Step 1: Lock insurance intent Step 2: Core demographics & loan facts Step 3: Build (BMI) + tobacco Step 4: Disease interview — build medical knowledge Step 5: Spouse / income (when needed) Step 6: Decision engine — soft UW knowledge complete Step 7: Carrier shortlist (rulesets) Step 8: Induct human agent — sale briefing Step 9: Client close conversation & disclosures Step 10: Application submission Step 11: Issue, delivery, sale complete","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-2"}}
{"id":"5378739047b5922cb3d9f10090009a6e6656b41424dc57adf7697fcdfad97d5d","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"Detailed process","text":"Detailed process\n\n0 Lead intake — zero knowledge ZERO Goal: Open a case with identity and loan context only; no medical claims yet. Data to capture / use Name, phone, email State of residence Lead source (dialer/CRM/mortgage desk) Approximate loan balance / closing date if known Platform / knowledge actions Create ApplicantProfile shell Do not run disease modules yet Flag case as intent-unknown until Step 1 Agent may say: Thanks for speaking with me — I’ll ask a few questions so we can see which mortgage protection options may fit before we apply anywhere. Exit gate: Contactable person + state known. 1 Lock insurance intent INTENT Goal: Confirm this case is mortgage protection (not FE or medical health). Data to capture / use intent = mortgage_protection Who to cover: primary | spouse | both Desired face ≈ loan balance Platform / knowledge actions Load mortgage SI dataset + SI/Graded BMI chart Hide Fully UW Preferred-only questions Attach vertical process checklist Agent may say: We’re looking at coverage that can help protect the home loan if something happens to you — not a medical insurance plan. Exit gate: Intent saved; coverage_on_whom set. 2 Core demographics & loan facts DATA Goal: Enough non-medical data to size the case. Data to capture / use DOB/age, sex loan_balance, loan_term_years property_state if different co_borrower_flag Platform / knowledge actions Compute suggested face amount Age-band eligibility for SI products Trigger spouse branch if co-borrower System does: Validates face vs typical SI max by age. Exit gate: Age + loan_balance present. 3 Build (BMI) + tobacco DATA Goal: Assign SI build class and nicotine class. Data to capture / use height, weight → BMI tobacco products + months since last use vape/e-cig if any Platform / knowledge actions Map to SI Level / Graded / over-max Set nicotine_class Stacking preview if high build + tobacco Agent may say: I just need height, weight, and tobacco use — this helps match build guidelines carriers use for simplified coverage. Exit gate: BMI computed; tobacco answered. 4 Disease interview — build medical knowledge KNOWLEDGE Goal: Move from zero medical knowledge to complete SI disclosure profile. Data to capture / use Heart, diabetes, cancer, kidney, lung, disability, mental (as needed) Module attributes: dates, insulin, recurrence, oxygen, SSDI Platform / knowledge actions Drive questions from disease dossiers Store impairments[].attributes Stop early only if hard GI-only pattern and client wants speed — still record disclosures Agent may say: I’ll ask health questions the same way carriers do on simplified apps — please answer fully so we don’t waste an application. Exit gate: All R disease paths for mortgage SI completed or explicitly none. 5 Spouse / income (when needed) KNOWLEDGE Goal: Complete household and affordability knowledge. Data to capture / use If joint: spouse age/sex/tobacco (+ short health if covering spouse) annual_income (sanity) beneficiary relationship Platform / knowledge actions Mark spouse profile linked or separate case Face vs income warning if extreme Exit gate: Spouse fields done if co-borrower; beneficiary known. 6 Decision engine — soft UW knowledge complete DECISION Goal: Produce explainable offer family before any carrier app. Data to capture / use None new — use prior profile Platform / knowledge actions Run DecisionResult: si_level | graded | gi | postpone | decline reasons[] + drivers[] suggested_next_step System does: Knowledge is now complete enough for agent coaching — not a binding offer. Exit gate: DecisionResult persisted with reasons. 7 Carrier shortlist (rulesets) MATCH Goal: Map complete profile to appointed carriers. Data to capture / use Agency appointments list (system/config) Platform / knowledge actions Evaluate CarrierRuleset[] for mortgage_si Rank Level → Graded → GI Exclude non-appointed Exit gate: ≥1 viable path or clear ‘no SI — postpone’. 8 Induct human agent — sale briefing AGENT Goal: Hand licensed agent a complete case pack to run the sale conversation. Data to capture / use None new — use prior profile Platform / knowledge actions Generate agent brief: profile summary, DecisionResult, carrier shortlist, disclosure script, missing fields Assign agent / open dialer wrap-up Agent may say: Based on what you shared, simplified level coverage may / may not fit; here’s what I recommend we apply for and why — final decision is always the carrier’s. Exit gate: Agent acknowledges brief; client call/meeting scheduled or live. 9 Client close conversation & disclosures SALE Goal: Honest disclosure, product choice, premium quote via carrier tool, consent to apply. Data to capture / use Client product choice Premium mode Replacement questions if any E-sign consent Platform / knowledge actions Deep-link carrier e-app / quote Freeze interview snapshot for audit Log disclosures affirmed Exit gate: Client agrees to apply to named carrier/product. 10 Application submission SALE Goal: Submit accurate app matching captured knowledge. Data to capture / use SSN/ITIN as required by carrier Bank/draft info if TDO ID verification if required Platform / knowledge actions Pre-fill from ApplicantProfile NIGO checklist before submit Store confirmation # Exit gate: App submitted / confirmation received. 11 Issue, delivery, sale complete COMPLETE Goal: Policy issued or graded/GI waiting period explained; client has coverage path. Data to capture / use Issue status Delivery requirements First premium posted Platform / knowledge actions Update case status issued|pending|declined|withdrawn If decline: reopen Graded/GI path from same profile Notify agent + agency Agent may say: Your policy is issued / pending — here’s what happens next and how the mortgage protection works. Exit gate: Issued + delivered OR documented next path; case closed successfully.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-3"}}
{"id":"c2b35cc5c45f7d94e812554e60d053f8cbccd1c6f37dc1cd765720e3be10fb46","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"Data sources used in this process","text":"Data sources used in this process\n\nVertical dataset: ../vertical-datasets/dataset-mortgage-protection.html Shared general fields: shared-general-dataset.html Disease knowledge: ../diseases/ · BMI: bmi-build-chart-review.html Carrier rulesets: uw-knowledge-for-carriers.html Vertical process · process-mortgage-protection.html · zero to agent sale","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-4"}}
{"id":"c55720418bfca5eda8ffb623e5f8ebb2643baa3e94fd974a3f5b2b394992736a","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"0 Lead intake — zero knowledge ZERO Goal: Open a case with identity and loan context only;","text":"0 Lead intake — zero knowledge ZERO Goal: Open a case with identity and loan context only; no medical claims yet. Data to capture / use Name, phone, email State of residence Lead source (dialer/CRM/mortgage desk) Approximate loan balance / closing date if known Platform / knowledge actions Create ApplicantProfile shell Do not run disease modules yet Flag case as intent-unknown until Step 1 Agent may say: Thanks for speaking with me — I’ll ask a few questions so we can see which mortgage protection options may fit before we apply anywhere. Exit gate: Contactable person + state known.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-0"}}
{"id":"b93b5709f4b7bfc1f209aae357ae0ba1cad490afbfde92e7b1dc30e5f3448abb","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"1 Lock insurance intent INTENT Goal: Confirm this case is mortgage protection (not FE or m","text":"1 Lock insurance intent INTENT Goal: Confirm this case is mortgage protection (not FE or medical health). Data to capture / use intent = mortgage_protection Who to cover: primary | spouse | both Desired face ≈ loan balance Platform / knowledge actions Load mortgage SI dataset + SI/Graded BMI chart Hide Fully UW Preferred-only questions Attach vertical process checklist Agent may say: We’re looking at coverage that can help protect the home loan if something happens to you — not a medical insurance plan. Exit gate: Intent saved; coverage_on_whom set.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-1"}}
{"id":"ed3026fb545bc7dea3f4907738f0de89ac68b6c76b650ace139f2c9eccb00fae","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"2 Core demographics & loan facts DATA Goal: Enough non-medical data to size the case. Data","text":"2 Core demographics & loan facts DATA Goal: Enough non-medical data to size the case. Data to capture / use DOB/age, sex loan_balance, loan_term_years property_state if different co_borrower_flag Platform / knowledge actions Compute suggested face amount Age-band eligibility for SI products Trigger spouse branch if co-borrower System does: Validates face vs typical SI max by age. Exit gate: Age + loan_balance present.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-2"}}
{"id":"fc603f07c7352b6ba3028e0b38c78597fc052ee647adc469474d63e2e7e23cbc","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"3 Build (BMI) + tobacco DATA Goal: Assign SI build class and nicotine class. Data to captu","text":"3 Build (BMI) + tobacco DATA Goal: Assign SI build class and nicotine class. Data to capture / use height, weight → BMI tobacco products + months since last use vape/e-cig if any Platform / knowledge actions Map to SI Level / Graded / over-max Set nicotine_class Stacking preview if high build + tobacco Agent may say: I just need height, weight, and tobacco use — this helps match build guidelines carriers use for simplified coverage. Exit gate: BMI computed; tobacco answered.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-3"}}
{"id":"4cce3c38a97a585cbc6d804f261e4dfee13d55df4f2d2d19816bc0535836d987","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"4 Disease interview — build medical knowledge KNOWLEDGE Goal: Move from zero medical knowl","text":"4 Disease interview — build medical knowledge KNOWLEDGE Goal: Move from zero medical knowledge to complete SI disclosure profile. Data to capture / use Heart, diabetes, cancer, kidney, lung, disability, mental (as needed) Module attributes: dates, insulin, recurrence, oxygen, SSDI Platform / knowledge actions Drive questions from disease dossiers Store impairments[].attributes Stop early only if hard GI-only pattern and client wants speed — still record disclosures Agent may say: I’ll ask health questions the same way carriers do on simplified apps — please answer fully so we don’t waste an application. Exit gate: All R disease paths for mortgage SI completed or explicitly none.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-4"}}
{"id":"19cb8f2deba484467d4ca86032a194f2820d4ffe144e3da5320f9ee2d7bfa4d7","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"5 Spouse / income (when needed) KNOWLEDGE Goal: Complete household and affordability knowl","text":"5 Spouse / income (when needed) KNOWLEDGE Goal: Complete household and affordability knowledge. Data to capture / use If joint: spouse age/sex/tobacco (+ short health if covering spouse) annual_income (sanity) beneficiary relationship Platform / knowledge actions Mark spouse profile linked or separate case Face vs income warning if extreme Exit gate: Spouse fields done if co-borrower; beneficiary known.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-5"}}
{"id":"a664a1456005a469b088f967e3b84023689369b5fd076edf2ec53fcd87b05dd0","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"6 Decision engine — soft UW knowledge complete DECISION Goal: Produce explainable offer fa","text":"6 Decision engine — soft UW knowledge complete DECISION Goal: Produce explainable offer family before any carrier app. Data to capture / use None new — use prior profile Platform / knowledge actions Run DecisionResult: si_level | graded | gi | postpone | decline reasons[] + drivers[] suggested_next_step System does: Knowledge is now complete enough for agent coaching — not a binding offer. Exit gate: DecisionResult persisted with reasons.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-6"}}
{"id":"957988a398e0b259514e35e2d16844076049537c83e9f2c2a75c8f549897a169","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"7 Carrier shortlist (rulesets) MATCH Goal: Map complete profile to appointed carriers. Dat","text":"7 Carrier shortlist (rulesets) MATCH Goal: Map complete profile to appointed carriers. Data to capture / use Agency appointments list (system/config) Platform / knowledge actions Evaluate CarrierRuleset[] for mortgage_si Rank Level → Graded → GI Exclude non-appointed Exit gate: ≥1 viable path or clear ‘no SI — postpone’.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-7"}}
{"id":"a3acc11b0ee79463f4b9e15e075a1ed2fbea9d2812c1fa088116317e443f406b","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"8 Induct human agent — sale briefing AGENT Goal: Hand licensed agent a complete case pack ","text":"8 Induct human agent — sale briefing AGENT Goal: Hand licensed agent a complete case pack to run the sale conversation. Data to capture / use None new — use prior profile Platform / knowledge actions Generate agent brief: profile summary, DecisionResult, carrier shortlist, disclosure script, missing fields Assign agent / open dialer wrap-up Agent may say: Based on what you shared, simplified level coverage may / may not fit; here’s what I recommend we apply for and why — final decision is always the carrier’s. Exit gate: Agent acknowledges brief; client call/meeting scheduled or live.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-8"}}
{"id":"7f4e18c6a54a0d44a556fdc55c001c06676f9666e734ed1bea72ede7e60efb38","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"9 Client close conversation & disclosures SALE Goal: Honest disclosure, product choice, pr","text":"9 Client close conversation & disclosures SALE Goal: Honest disclosure, product choice, premium quote via carrier tool, consent to apply. Data to capture / use Client product choice Premium mode Replacement questions if any E-sign consent Platform / knowledge actions Deep-link carrier e-app / quote Freeze interview snapshot for audit Log disclosures affirmed Exit gate: Client agrees to apply to named carrier/product.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-9"}}
{"id":"e7c1ec4060f8b8b93d1a5f4812987b58b339578daee87515f06500c46854f516","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"10 Application submission SALE Goal: Submit accurate app matching captured knowledge. Data","text":"10 Application submission SALE Goal: Submit accurate app matching captured knowledge. Data to capture / use SSN/ITIN as required by carrier Bank/draft info if TDO ID verification if required Platform / knowledge actions Pre-fill from ApplicantProfile NIGO checklist before submit Store confirmation # Exit gate: App submitted / confirmation received.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-10"}}
{"id":"e6eaf7d5f043c37abf4e2f56db15d745006bdb7be5080686459ae76e427d9638","vertical":"mortgage","source_path":"html/vertical-processes/process-mortgage-protection.html","doc_type":"process","module":"mortgage_process","title":"11 Issue, delivery, sale complete COMPLETE Goal: Policy issued or graded/GI waiting period","text":"11 Issue, delivery, sale complete COMPLETE Goal: Policy issued or graded/GI waiting period explained; client has coverage path. Data to capture / use Issue status Delivery requirements First premium posted Platform / knowledge actions Update case status issued|pending|declined|withdrawn If decline: reopen Graded/GI path from same profile Notify agent + agency Agent may say: Your policy is issued / pending — here’s what happens next and how the mortgage protection works. Exit gate: Issued + delivered OR documented next path; case closed successfully.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"step-11"}}
{"id":"5e526cc32b453cc85546f57b4f44055ae59ecd9362a02ae9b4bed0a88b0bd810","vertical":"mortgage","source_path":"html/vertical-datasets/dataset-mortgage-protection.html","doc_type":"dataset","module":"mortgage_dataset","title":"What this vertical needs from data","text":"What this vertical needs from data\n\nConfirm loan amount ↔ face amount reasonability SI Level vs Graded vs Decline using disease + BMI Spouse often co-borrower — capture spouse basics when joint coverage discussed Income supports affordability / face sanity, not full financial UW BMI note: Use SI Level (~BMI 38–42) and Graded (~44) ceilings. Preferred chart not primary.","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-1"}}
{"id":"e9a549fe03bc1c25924ae3a6fb702127925686cb57dde35c1b420fe71f3bb6aa","vertical":"mortgage","source_path":"html/vertical-datasets/dataset-mortgage-protection.html","doc_type":"dataset","module":"mortgage_dataset","title":"Disease modules priority","text":"Disease modules priority\n\nModule Priority Why for this vertical Heart / Circulatory R Recent MI/CHF/stroke blocks Level Diabetes R Insulin + complications / combo with heart Cancer R Treatment recency → Graded/GI Kidney R Dialysis / advanced CKD Lung S Oxygen / severe COPD Disability under 65 R Active SSDI often blocks Level Mental / Nervous S Recent hospital/attempt Liver / Digestive / Immune / Joint / Other S As disclosed Full actuarial detail: ../diseases/ · BMI: bmi-build-chart-review.html","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-2"}}
{"id":"1d029b2f9bdeb31b174ed24c7a9bfa16370d1d9f499ecc7f89b03b2ddc3822db","vertical":"mortgage","source_path":"html/vertical-datasets/dataset-mortgage-protection.html","doc_type":"dataset","module":"mortgage_dataset","title":"Field checklist (general + vertical-specific)","text":"Field checklist (general + vertical-specific)\n\nGroup Field Priority Why Demographics age G R Primary pricing & UW age bands Demographics sex G R Rate tables / some build charts Demographics state G R Availability, compliance, product filing Demographics date_of_birth G S Exact age calculation Demographics citizenship_residency G S Eligibility / foreign national rules BMI / Build height_ft_in G R Build chart input BMI / Build weight_lb G R Build chart input BMI / Build bmi_computed G R Class assignment BMI / Build build_class_label G S preferred/standard/si_level/graded BMI / Build diabetic_build_path G S Use alternate ceiling when diabetes present Tobacco tobacco_products[] G R Cigarettes/vape/chew/cigar/cannabis Tobacco months_since_last_use G R NT lookbacks 12–60 mo Tobacco nicotine_class G S NT / tobacco rate class Diseases impairments[].module G R cancer|diabetes|heart|kidney|lung|… Diseases impairments[].attributes G R Module-specific dates/severity Diseases impairments[].path_answers[] G S Interview trail for audit Income / financial annual_income G S Face amount reasonability / anti-selection Income / financial net_worth G O Large face / fully UW Income / financial existing_coverage_amount G S Replacement / total line Income / financial bankruptcy_years G O Financial UW Spouse / household marital_status G S Household / rider eligibility Spouse / household spouse_age_sex G S Spouse rider / joint needs Spouse / household spouse_tobacco G O Spouse rider UW Spouse / household spouse_impairments_summary G O Joint or second-insured cases Spouse / household dependent_children_count G S Child rider / need analysis Spouse / household beneficiary_relationship G S App completeness Mortgage loan_balance R Face sizing Mortgage loan_term_years R Term match Mortgage property_state S If differs from resident state Mortgage co_borrower_flag S Triggers spouse dataset Mortgage coverage_on_whom R primary|spouse|both Family history fh_cvd_parent_sibling G O Usually not SI-critical Labs a1c_bp_etc O Not required for pure SI path","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-3"}}
{"id":"8959a8c235ce67b33077530a2df9eddbbf006513686fa72ac81393a568609437","vertical":"mortgage","source_path":"html/vertical-datasets/dataset-mortgage-protection.html","doc_type":"dataset","module":"mortgage_dataset","title":"Improve solution quality — use of shared data","text":"Improve solution quality — use of shared data\n\nFrom general dataset Reuse without re-asking when intent changes mid-case where safe. BMI raw height/weight always stored once Disease attributes feed knockouts and Graded routing Income / spouse only when this vertical marks R/S Family history mainly Fully UW / Preferred Vertical-only extras Do not pollute other verticals with these fields as required. See rows without G in the checklist above Keep them behind intent = mortgage-protection Vertical dataset · dataset-mortgage-protection.html · phase V1","knowledge_layer":"synthesis_2026","metadata":{"section_key":"h2-4"}}