Many thanks for posting to the XM Forum! I’m happy to provide details regarding this topic. One detail I want to clarify is that XMPP (Xfinity Mobile Protection Plan) is not a requirement for Early Upgrade.
Early Upgrade does require that 50% of the DPP (Device Payment Plan) be paid off before qualifying for the upgrade. The Early Upgrade program is temporarily paused due to COVID-19. Early Upgrade cannot take place over the phone due to the need to have to grade the device that is being returned. The Early Upgrade program will resume when Xfinity Stores become fully operational.
I’ve included the following two links related to overviews for the Early Upgrade program and XMPP - https://www.xfinity.com/mobile/support/article/how-to-upgrade-replace-device, https://www.xfinity.com/mobile/support/article/protection-plan-details. Let me know if you have any other questions.