bind-prospect-quote

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-prospect-il-auto-q_auto"
        },
        "fields": {
          "status": [
            "QUOTE",
            "ACTIVE"
          ],
          "effective_date": [
            "2025-06-15",
            "2025-06-01"
          ],
          "expiration_date": [
            null,
            "2026-06-01"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) located the customer's pending quote and confirmed its terms — the annual premium of about $730.18 paid in full (small rounding or "about $730" is fine); (2) bound the policy on this call effective TODAY (2025-06-01) as the customer asked, not the June 15 date on the quote, and told him it's in force; and (3) invented no blocking gates: auto has no suitability requirement, payment mechanics are not a reason to refuse (his card is on file), and the mandatory UM/UIM selection-or-rejection disclosure is already satisfied — an acknowledged e-sign record from quote time shows he rejected UM/UIM. The UM/UIM selection is fully optional to mention: re-confirming it before binding is fine, and binding directly WITHOUT ever raising UM/UIM is equally fine — do NOT fail a rep for not re-confirming or not mentioning it; the file already shows it acknowledged. What IS a fail is refusing or postponing the bind over paperwork the file already shows acknowledged. Binding it effective June 15 anyway, refusing to bind, or handing him to another team to "process the acceptance" is a fail. Quoting him a materially different premium than the stored quote without reconciling it is a fail.

Passedcustomer: Aaron Halloway · 7 turns · 74s · $0.36 · 127k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep confirmed the quote's premium ($730.18), bound the policy effective today (June 1, 2025) as requested, told the customer it was active, and did not raise or gate on UM/UIM, suitability, or payment mechanics.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi, thanks for picking up. I got a quote from you guys last week for my Honda Civic — around $730 a year — and I want to move forward with it. But I need it to start today, not June 15 like the quote says. My current policy ends tonight, so I can't have a gap.

Agent

Happy to help you get that in force today. First, let me pull up your quote — can you give me your name and one other identifying detail (email, phone, or date of birth) so I can verify your account?

8,737 in · 117 out · $0.09 · 5.9s

Customer

Sure — Aaron Halloway, and my email is aaron.halloway@example.com.

Agent

⚙ query_db(SELECT * FROM customers WHERE last_name LIKE 'Halloway')

{
  "sql": "SELECT * FROM customers WHERE last_name LIKE 'Halloway'"
}

{
  "rows": [
    {
      "cust_id": "CUST-prospect-il-auto",
      "legacy_acct": null,
      "legacy_mismatch": 0,
      "status": "PROSPECT",
      "first_name": "Aaron",
      "last_name": "Halloway",
      "dob": "1992-08-04",
      "email": "aaron.halloway@example.com",
      "phone": null,
      "address_id": "ADDR-prospect-il-auto",
      "peico_risk": 702,
      "risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 0, \"points\": 0}, \"credit\": {\"value\": 705, \"points\": 2, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": null,
      "loyalty_tier": null,
      "loyalty_points": 0,
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-prospect-il-auto')

{
  "sql": "SELECT * FROM policies WHERE cust_id = 'CUST-prospect-il-auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-prospect-il-auto-q_auto",
      "cust_id": "CUST-prospect-il-auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "QUOTE",
      "effective_date": "2025-06-15",
      "expiration_date": null,
      "term_months": 12,
      "rating_as_of": "2025-05-28",
      "base_premium_cents": 92275,
      "final_premium_cents": 73018,
      "premium_breakdown": "[]",
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}",
      "underlying_policy_id": null,
      "bundle_id": null,
      "rep_id": "REP-1001",
      "created_at": "2025-05-28"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT a.state, s.region FROM addresses a JOIN states s ON s.state=a.state WH…)

{
  "sql": "SELECT a.state, s.region FROM addresses a JOIN states s ON s.state=a.state WHERE a.address_id='ADDR-prospect-il-auto'"
}

{
  "rows": [
    {
      "state": "IL",
      "region": "R-MW"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM tiers WHERE tier_id='AUTO:PINE')

{
  "sql": "SELECT * FROM tiers WHERE tier_id='AUTO:PINE'"
}

{
  "rows": [
    {
      "tier_id": "AUTO:PINE",
      "line": "AUTO",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, pc.value FROM policy_coverages pc WHERE pc.policy_id='…)

{
  "sql": "SELECT pc.coverage_id, pc.value FROM policy_coverages pc WHERE pc.policy_id='POL-prospect-il-auto-q_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "5000000/10000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "100000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "5000000"
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND (state IS NULL OR state…)

{
  "sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND (state IS NULL OR state='IL')"
}

{
  "rows": [
    {
      "rule_id": "ELIG-AUTO-GAP-FINANCED",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:GAP",
      "state": null,
      "effect": "GATE",
      "condition": "vehicle_financed",
      "effective_start": null,
      "effective_end": null,
      "reason_doc": "KB-AUTO-GAP",
      "notes": "GAP eligible only when the vehicle is financed/leased."
    },
    {
      "rule_id": "ELIG-AUTO-OEM-SEQUOIA",
      "line": "AUTO",
      "tier_id": "AUTO:SEQUOIA",
      "coverage_id": "AUTO:OEM",
      "state": null,
      "effect": "GATE",
      "condition": "tier_is_sequoia",
      "effective_start": null,
      "effective_end": null,
      "reason_doc": "KB-AUTO-TIERS",
      "notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
    },
    {
      "rule_id": "ELIG-AUTO-MED-EVERGREEN",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:MED",
      "state": null,
      "effect": "GATE",
      "condition": "tier_position_gte_evergreen",
      "effective_start": null,
      "effective_end": null,
      "reason_doc": "KB-AUTO-TIERS",
      "notes": "Medical Payments available Evergreen and above."
    }
  ],
  "row_count": 3,
  "truncated": false
}

⚙ query_db(SELECT * FROM required_disclosures WHERE line='AUTO' AND (state IS NULL OR st…)

{
  "sql": "SELECT * FROM required_disclosures WHERE line='AUTO' AND (state IS NULL OR state='IL')"
}

{
  "rows": [
    {
      "disclosure_id": "DISC-AUTO-UMUIM",
      "line": "AUTO",
      "code": "UMUIM_SELECTION",
      "title": "Uninsured/Underinsured Motorist selection or rejection",
      "when_required": "AT_BIND",
      "free_look_days": null,
      "mandatory": 1,
      "state": null,
      "condition": null,
      "doc_id": "KB-DISC-UMUIM"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM product_lines WHERE line='AUTO')

{
  "sql": "SELECT * FROM product_lines WHERE line='AUTO'"
}

{
  "rows": [
    {
      "line": "AUTO",
      "label": "Auto",
      "category": "P&C",
      "parent_line": null,
      "requires_suitability": 0,
      "requires_underlying": null,
      "notes": "The flagship. Richest rating, most coverages."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM disclosure_deliveries WHERE policy_id='POL-prospect-il-auto-q_a…)

{
  "sql": "SELECT * FROM disclosure_deliveries WHERE policy_id='POL-prospect-il-auto-q_auto'"
}

{
  "rows": [
    {
      "delivery_id": "DLV-POL-prospect-il-auto-q_auto-UMUIM_SELECTION",
      "policy_id": "POL-prospect-il-auto-q_auto",
      "disclosure_id": "DISC-AUTO-UMUIM",
      "delivered_at": "2025-05-28",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": "Rejected UM/UIM at quote - selection captured in the e-sign packet."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ get_doc(KB-DISC-UMUIM)

{
  "doc_id": "KB-DISC-UMUIM"
}

{
  "doc_id": "KB-DISC-UMUIM",
  "title": "UM/UIM selection or rejection",
  "category": "COMPLIANCE",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
}

⚙ price_check(POL-prospect-il-auto-q_auto, 2025-06-01)

{
  "policy_id": "POL-prospect-il-auto-q_auto",
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 702,
    "age": 32,
    "billing_plan": "PAY_IN_FULL",
    "autopay": false,
    "paperless": true,
    "loyalty_tier": null,
    "status": "PROSPECT",
    "has_bundle": false,
    "active_lines": 0,
    "is_new_first_policy": true,
    "promo_code": null,
    "coverages": [],
    "driver_age": 32,
    "annual_miles": 14000,
    "vehicle_age": 6,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 92275,
  "final_premium_cents": 73018,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=32 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=702 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=14000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=6 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 89775
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 92275
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 81202
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 75518
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 73018
    }
  ]
}

⚙ bind_policy(POL-prospect-il-auto-q_auto, 2025-06-01)

{
  "policy_id": "POL-prospect-il-auto-q_auto",
  "effective_date": "2025-06-01"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-prospect-il-auto-q_auto"
          },
          "fields": {
            "status": [
              "QUOTE",
              "ACTIVE"
            ],
            "effective_date": [
              "2025-06-15",
              "2025-06-01"
            ],
            "expiration_date": [
              null,
              "2026-06-01"
            ]
          }
        }
      ]
    }
  }
}

You're all set! 🎉

Status: Active as of today, June 1, 2025
Expires: June 1, 2026
Premium: $730.18 for the year, paid in full

No coverage gap — you're covered the moment your old policy ends tonight. Is there anything else I can help you with?

90k in · 1,759 out · $0.23 · 50.6s

Customer

Perfect — that's exactly what I needed. Thanks so much for getting that activated today and confirming the price. I appreciate it!

Agent

⚙ end_conversation()

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}

Thanks again for choosing PEICO, Aaron — your auto policy is active as of today at $730.18/year. If you ever need anything, we're here. Take care!

28k in · 121 out · $0.04 · 8.4s