cancel-pet-redeem-farewell

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone, loyalty_tier, loyalty_points, status FROM customers WHERE last_name = 'Nyberg' AND first_name = 'Harold'"
}

{
  "rows": [
    {
      "cust_id": "CUST-loyalty-oldgrowth",
      "first_name": "Harold",
      "last_name": "Nyberg",
      "dob": "1962-04-27",
      "email": "harold.nyberg@example.com",
      "phone": null,
      "loyalty_tier": "OldGrowth",
      "loyalty_points": 7000,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, final_premium_cents FROM policies WHERE cust_id = 'CUST-loyalty-oldgrowth'"
}

{
  "rows": [
    {
      "policy_id": "POL-loyalty-oldgrowth-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "final_premium_cents": 89796
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "tier_id": "PET:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "final_premium_cents": 56117
    }
  ],
  "row_count": 2,
  "truncated": false
}

{
  "sql": "SELECT pet_id, name, species, breed, age FROM pets WHERE cust_id = 'CUST-loyalty-oldgrowth'"
}

{
  "rows": [
    {
      "pet_id": "PET-loyalty-oldgrowth-pet1",
      "name": "Biscuit",
      "species": "DOG",
      "breed": "Labrador",
      "age": 5
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "loyalty points redemption redeem premium"
}

{
  "results": [
    {
      "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-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\n"
    },
    {
      "doc_id": "KB-PROMO-WELCOME15",
      "title": "WELCOME15 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
    },
    {
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "title": "PINEBUNDLE terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
    },
    {
      "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."
    }
  ]
}

{
  "query": "PineRewards loyalty tier redemption authority adjustment"
}

{
  "results": [
    {
      "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-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-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
    }
  ]
}

{
  "doc_id": "KB-LOYALTY-AUTHORITY"
}

{
  "doc_id": "KB-LOYALTY-AUTHORITY",
  "title": "PineRewards points: what a service rep may post",
  "category": "POLICY",
  "applies_to": "{\"lines\": \"ALL\"}",
  "body_md": "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 without expiry dates and are honored as non-expiring. A service rep\nmay post exactly three kinds of manual ledger entry:\n\n1. **Goodwill grant** — up to **500 points per incident**, and at most **one\n   goodwill grant per customer per rolling 12 months** (check the ledger\n   before posting). Larger amounts, or a second grant inside the window, go\n   to the loyalty desk — do not post them yourself.\n2. **Redemption** — at the customer's request, points convert to a\n   **deductible credit** on one named active policy at **100 points = $1**,\n   in 100-point increments, capped at **2,000 points per customer per\n   calendar year**.\n3. **Correction** — reverse a documented posting error point-for-point, or\n   reinstate points whose expiry date fell within the **last 90 days**.\n   Older expiries go to the loyalty desk.\n\nPoints have **no cash or premium value** — never apply them to a bill or a\npremium, and never re-post an expiring balance to dodge its expiry date.\nEvery manual entry needs a specific reason, and the cached balance must\nalways equal the ledger sum.\n"
}

{
  "sql": "SELECT entry_id, ts, delta_points, reason, expires_on, ref_policy_id FROM loyalty_ledger WHERE cust_id = 'CUST-loyalty-oldgrowth' ORDER BY ts"
}

{
  "rows": [
    {
      "entry_id": "LL-loyalty-oldgrowth-3",
      "ts": "2018-05-01",
      "delta_points": 1500,
      "reason": "LEGACY_EARN",
      "expires_on": null,
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-0",
      "ts": "2023-07-01",
      "delta_points": 5200,
      "reason": "PREMIUM_EARN",
      "expires_on": "2025-07-01",
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-1",
      "ts": "2024-03-15",
      "delta_points": 2100,
      "reason": "BUNDLE_BONUS",
      "expires_on": "2026-03-15",
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-2",
      "ts": "2024-11-02",
      "delta_points": -1800,
      "reason": "REDEEM_DEDUCTIBLE_CREDIT",
      "expires_on": null,
      "ref_policy_id": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "sql": "SELECT * FROM bundles WHERE cust_id = 'CUST-loyalty-oldgrowth'"
}

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

{
  "sql": "SELECT policy_id, line, tier_id, status, underlying_policy_id, bundle_id FROM policies WHERE underlying_policy_id = 'POL-loyalty-oldgrowth-p_pet'"
}

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

{
  "policy_id": "POL-loyalty-oldgrowth-p_pet"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-loyalty-oldgrowth-p_pet"
          },
          "fields": {
            "status": [
              "ACTIVE",
              "CANCELLED"
            ]
          }
        }
      ]
    }
  }
}

{
  "cust_id": "CUST-loyalty-oldgrowth",
  "delta_points": -2000,
  "reason": "REDEEM_DEDUCTIBLE_CREDIT: 2000 pts = $20 deductible credit on auto policy at customer request",
  "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
}

{
  "ok": true,
  "changesets": [
    {
      "loyalty_ledger": {
        "added": [
          {
            "pk": {
              "entry_id": "LL-loyalty-oldgrowth-5"
            },
            "row": {
              "entry_id": "LL-loyalty-oldgrowth-5",
              "cust_id": "CUST-loyalty-oldgrowth",
              "ts": "2025-06-01",
              "delta_points": -2000,
              "reason": "REDEEM_DEDUCTIBLE_CREDIT: 2000 pts = $20 deductible credit on auto policy at customer request",
              "expires_on": null,
              "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
            }
          }
        ]
      }
    },
    {
      "customers": {
        "changed": [
          {
            "pk": {
              "cust_id": "CUST-loyalty-oldgrowth"
            },
            "fields": {
              "loyalty_points": [
                7000,
                5000
              ]
            }
          }
        ]
      }
    }
  ]
}

{}

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