coastalshield-apply-execute

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-umbrella-plus-p_home"
        },
        "fields": {
          "rating_as_of": [
            "2025-02-10",
            "*"
          ],
          "final_premium_cents": [
            244175,
            232175
          ],
          "premium_breakdown": [
            "*",
            "*"
          ],
          "rating_inputs": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) applied the COASTALSHIELD credit AND repriced so the stored premium actually reflects it, telling him the real outcome: $120 off, new premium about $2,321.75/yr (small rounding or nearby phrasing is fine); (2) did this on the call rather than promising it; and (3) said nothing false about the promo's terms. A correctly applied credit with the correct figures is itself sufficient evidence the rep verified eligibility (the wrong-date/ineligible paths produce different numbers) — the rep is NOT required to recite the region/window/floor checks to the customer. Telling him he doesn't qualify (e.g. because Atlanta isn't coastal — the terms cover Southeast home policies in GA statewide) is a fail. Telling him the credit is applied while his premium never actually changed (the stale-rating-date partial write) is a fail — the rep must notice a $0 result and re-rate at a current date. Deflecting to another team is a fail.

Passedcustomer: Vincent Okonkwo · 9 turns · 95s · $0.43 · 179k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep applied the credit on the call and reported the correct figures ($120 off, new premium $2,321.75/yr), consistent with a correctly repriced outcome, and made no false statements about the promo's terms.

Conversation

Agent

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

Customer

Hey, thanks for picking up. I read in my neighborhood newsletter about a wind resilience credit for Southeast homeowners — something PEICO offers — and I'm wondering if my home policy qualifies for it. Can you help me look into that?

Agent

⚙ search_kb(wind resilience credit Southeast homeowners)

{
  "query": "wind resilience credit Southeast homeowners"
}

{
  "results": [
    {
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "title": "COASTALSHIELD terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
      "snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
    },
    {
      "doc_id": "KB-EVERGREEN-CLASSIC",
      "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"HOME\"]}",
      "snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
    },
    {
      "doc_id": "KB-CA-RATING",
      "title": "CA: prohibited auto rating factors",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
      "snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
    },
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "title": "SPRINGSAVE25 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
    },
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-FL-HURRICANE",
      "title": "FL: separate hurricane deductible",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HOME\"], \"states\": [\"FL\"]}",
      "snippet": "Florida homeowners policies carry a **separate hurricane deductible** expressed as\na percentage of the dwelling limit, distinct from the flat all-peril deductible.\nIt must be set explicitly before binding.\n"
    }
  ]
}

⚙ query_db(SELECT * FROM discounts WHERE code LIKE '%WIND%' OR label LIKE '%wind%' OR no…)

{
  "sql": "SELECT * FROM discounts WHERE code LIKE '%WIND%' OR label LIKE '%wind%' OR notes LIKE '%wind%'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ get_doc(KB-PROMO-COASTALSHIELD)

{
  "doc_id": "KB-PROMO-COASTALSHIELD"
}

{
  "doc_id": "KB-PROMO-COASTALSHIELD",
  "title": "COASTALSHIELD terms",
  "category": "PROMO",
  "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
  "body_md": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}

⚙ query_db(SELECT * FROM promotions WHERE promo_code = 'COASTALSHIELD')

{
  "sql": "SELECT * FROM promotions WHERE promo_code = 'COASTALSHIELD'"
}

{
  "rows": [
    {
      "promo_code": "COASTALSHIELD",
      "label": "Coastal Wind Resilience Credit",
      "scope": "{\"lines\": [\"HOME\", \"CONDO\"], \"regions\": [\"R-SE\"], \"customer\": \"ANY\"}",
      "window_start": "2025-05-01",
      "window_end": "2026-11-30",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 120}",
      "stacks_with": "[\"DISC-MULTILINE\"]",
      "caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "notes": "SE region only; intended for wind-mitigated dwellings."
    }
  ],
  "row_count": 1,
  "truncated": false
}

Good news — I found it. It's the COASTALSHIELD promotion: a $120 wind-resilience credit for home/condo policies in the Southeast region, running from May 1, 2025 through November 30, 2026. A couple of conditions: the policy premium needs to be at least $600, and the credit is capped at $120.

To check whether your specific home policy qualifies, I'll need to pull up your account. Could you give me your name and one other identifying detail (like the email or phone number on file, your customer ID, or date of birth)?

30k in · 677 out · $0.09 · 27.8s

Customer

Perfect, that sounds like exactly what I read about. I'm Vincent Okonkwo — and my email on file is vincent.okonkwo@example.com.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, status, address_id FROM …)

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, status, address_id FROM customers WHERE last_name = 'Okonkwo'"
}

{
  "rows": [
    {
      "cust_id": "CUST-umbrella-plus",
      "first_name": "Vincent",
      "last_name": "Okonkwo",
      "email": "vincent.okonkwo@example.com",
      "phone": null,
      "status": "CUSTOMER",
      "address_id": "ADDR-umbrella-plus"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expirati…)

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.final_premium_cents, p.base_premium_cents, p.rating_inputs, a.state, a.region FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.cust_id = 'CUST-umbrella-plus'"
}

{
  "rows": [
    {
      "policy_id": "POL-umbrella-plus-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 86310,
      "base_premium_cents": 138236,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "state": "GA",
      "region": "R-SE"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 244175,
      "base_premium_cents": 338361,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "state": "GA",
      "region": "R-SE"
    },
    {
      "policy_id": "POL-umbrella-plus-p_umbr",
      "line": "UMBR",
      "tier_id": "UMBR:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 27870,
      "base_premium_cents": 41422,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "state": "GA",
      "region": "R-SE"
    }
  ],
  "row_count": 3,
  "truncated": false
}

Thanks, Vincent — I've verified you and pulled up your account. Here's what I see:

Home policy (POL-umbrella-plus-p_home) — Georgia, Southeast region, ACTIVE, current premium $2,441.75/yr, no promo currently attached.

Checking against the COASTALSHIELD terms:

✅ Home line — qualifies
✅ Southeast region (Georgia) — qualifies
✅ Offer window (May 1, 2025 – Nov 30, 2026) — we're within it
✅ Premium above the $600 minimum
✅ It stacks with the multi-line discount, so it won't disrupt your existing bundle savings

So yes — your home policy qualifies for the $120 credit. Would you like me to apply it? I'd attach the promo code and reprice the policy, which should bring it to roughly $2,321.75/yr.

35k in · 899 out · $0.09 · 22.9s

Customer

Yes, absolutely — go ahead and apply it now. And once you do, can you confirm that new premium for me?

Agent

⚙ apply_promo(POL-umbrella-plus-p_home, COASTALSHIELD)

{
  "policy_id": "POL-umbrella-plus-p_home",
  "promo_code": "COASTALSHIELD"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_home"
          },
          "fields": {
            "rating_inputs": [
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": \"COASTALSHIELD\"}"
            ]
          }
        }
      ]
    }
  },
  "note": "stored premium is now stale — call reprice_policy to recompute"
}

⚙ reprice_policy(POL-umbrella-plus-p_home)

{
  "policy_id": "POL-umbrella-plus-p_home"
}

{
  "ok": true,
  "as_of": "2025-02-10",
  "base_premium_cents": 338361,
  "final_premium_cents": 244175,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $610,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 256200
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 312564
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 430557
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=3 ×0.9",
      "factor": 0.9,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=220 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 341001
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 327361
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 330361
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 335861
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 338361
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 287607
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 267475
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 264975
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 257026
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 244175
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "outside window for as_of — no effect",
      "factor": null,
      "amount_cents": 0,
      "running_cents": 244175
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_home"
          },
          "fields": {
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}, {\"step\": \"PROMO\", \"code\": \"COASTALSHIELD\", \"detail\": \"outside window for as_of \\u2014 no effect\", \"factor\": null, \"amount_cents\": 0, \"running_cents\": 244175}]"
            ]
          }
        }
      ]
    }
  }
}

⚙ reprice_policy(POL-umbrella-plus-p_home, 2025-06-01)

{
  "policy_id": "POL-umbrella-plus-p_home",
  "as_of": "2025-06-01"
}

{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 338361,
  "final_premium_cents": 232175,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $610,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 256200
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 312564
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 430557
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=3 ×0.9",
      "factor": 0.9,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=220 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 341001
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 327361
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 330361
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 335861
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 338361
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 287607
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 267475
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 264975
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 257026
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 244175
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "−$120 (cap $120)",
      "factor": null,
      "amount_cents": -12000,
      "running_cents": 232175
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_home"
          },
          "fields": {
            "rating_as_of": [
              "2025-02-10",
              "2025-06-01"
            ],
            "final_premium_cents": [
              244175,
              232175
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}, {\"step\": \"PROMO\", \"code\": \"COASTALSHIELD\", \"detail\": \"outside window for as_of \\u2014 no effect\", \"factor\": null, \"amount_cents\": 0, \"running_cents\": 244175}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}, {\"step\": \"PROMO\", \"code\": \"COASTALSHIELD\", \"detail\": \"\\u2212$120 (cap $120)\", \"factor\": null, \"amount_cents\": -12000, \"running_cents\": 232175}]"
            ]
          }
        }
      ]
    }
  }
}

Done! The COASTALSHIELD credit is now applied to your home policy. Here's the confirmation:

Previous premium: $2,441.75/yr
COASTALSHIELD credit: −$120.00
New premium: $2,321.75/yr

All your existing discounts (multi-line, paid-in-full, paperless, autopay, loyalty) are still in place — the wind credit stacks on top of them.

Is there anything else I can help you with today?

67k in · 663 out · $0.19 · 21.9s

Customer

Perfect — that's exactly what I needed. Thanks for getting that applied and walking me through it. I appreciate the help!

Agent

⚙ end_conversation()

{}

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

Thanks again for being a PEICO customer, Vincent — have a great day!

46k in · 122 out · $0.06 · 13.6s