welcome15-prospect-bind-chain
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"rating_inputs": [
"*",
"*"
],
"final_premium_cents": [
73018,
62065
],
"premium_breakdown": [
"*",
"*"
],
"status": [
"QUOTE",
"ACTIVE"
],
"expiration_date": [
null,
"2026-06-01"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep completed the whole chain on this call: (1) recognized the customer qualifies for WELCOME15 (a brand-new customer binding his first policy, auto line, promo active and in window) — telling him he doesn't qualify is a fail; (2) attached the promo AND repriced so the discount actually landed, quoting the honest discounted figure (about $620.65/yr, down from $730.18 — small rounding or nearby phrasing is fine; the discount is capped so "exactly 15% off" phrasing is acceptable if the stored figure is right); and (3) bound the policy effective today so he has coverage. Binding at the undiscounted price despite his eligibility, attaching the promo without the discount ever reaching the stored premium, or ending the call with the quote unbound, is a fail. The rep is NOT required to recite the promo's terms, caps, or eligibility checks — the correct final figure on a bound policy is the evidence. Judge the FINAL spoken figures only (about $620.65, and/or savings of about $109.53 from $730.18). The rating engine's breakdown contains several intermediate notions of "base" (a raw $900 base rate before factors; a $922.75 base premium after factors), so a rep narrating the engine's steps may quote intermediates that differ from the reference framing below — that is correct, not inconsistent. Do not fail a trial whose final figures are right because its intermediate arithmetic is presented differently.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep recognized eligibility, applied WELCOME15 with the discount actually landing in the quoted premium ($620.65, saving $109.53 from $730.18/$922.75 base), and bound the policy effective today.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I'm Aaron Halloway — I've got a quote on file for my 2019 Honda Civic, and I'm ready to move forward with it today. But first, I saw your WELCOME15 ad for new customers getting 15% off, and I want to make sure that discount gets applied before we finalize anything. Can you help me with that?
⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status, tenure_star…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status, tenure_start, created_at FROM customers WHERE first_name LIKE 'Aaron' AND last_name LIKE 'Halloway'"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"first_name": "Aaron",
"last_name": "Halloway",
"dob": "1992-08-04",
"email": "aaron.halloway@example.com",
"phone": null,
"status": "PROSPECT",
"tenure_start": null,
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT promo_code, label, scope, window_start, window_end, effect, stacks_wit…)
{
"sql": "SELECT promo_code, label, scope, window_start, window_end, effect, stacks_with, caps, active, retired_rider, doc_id, notes FROM promotions WHERE promo_code LIKE 'WELCOME15'"
}{
"rows": [
{
"promo_code": "WELCOME15",
"label": "New-Customer Welcome 15%",
"scope": "{\"lines\": [\"AUTO\", \"HOME\", \"RENT\", \"CONDO\", \"PET\"], \"regions\": \"ALL\", \"customer\": \"NEW_FIRST_POLICY\"}",
"window_start": "2025-01-01",
"window_end": "2026-12-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
"caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
"active": 1,
"retired_rider": 0,
"doc_id": "KB-PROMO-WELCOME15",
"notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, term_months, base_pr…)
{
"sql": "SELECT policy_id, line, tier_id, status, effective_date, term_months, base_premium_cents, final_premium_cents, rating_as_of, rating_inputs FROM policies WHERE cust_id = 'CUST-prospect-il-auto'"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "QUOTE",
"effective_date": "2025-06-01",
"term_months": 12,
"base_premium_cents": 92275,
"final_premium_cents": 73018,
"rating_as_of": "2025-05-29",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}"
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-PROMO-WELCOME15)
{
"doc_id": "KB-PROMO-WELCOME15"
}{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"body_md": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
}Thanks for your patience — I've got your quote up. I just need you to confirm two things to verify your identity before I touch the account:
- Your date of birth
- The email address on file
Once you confirm, I can walk you through the WELCOME15 discount and getting the policy bound.
Sure, no problem. My date of birth is August 4, 1992, and my email on file is aaron.halloway@example.com.
⚙ apply_promo(POL-prospect-il-auto-q2_auto, WELCOME15)
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"promo_code": "WELCOME15"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"rating_inputs": [
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}",
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"promo_code\": \"WELCOME15\"}"
]
}
}
]
}
},
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-prospect-il-auto-q2_auto)
{
"policy_id": "POL-prospect-il-auto-q2_auto"
}{
"ok": true,
"as_of": "2025-05-29",
"base_premium_cents": 92275,
"final_premium_cents": 62065,
"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
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "−15% (cap $300)",
"factor": null,
"amount_cents": -10953,
"running_cents": 62065
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"final_premium_cents": [
73018,
62065
],
"premium_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 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=32 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=702 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=14000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"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\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 81202}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 75518}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 73018}, {\"step\": \"PROMO\", \"code\": \"WELCOME15\", \"detail\": \"\\u221215% (cap $300)\", \"factor\": null, \"amount_cents\": -10953, \"running_cents\": 62065}]"
]
}
}
]
}
}
}Done — WELCOME15 is applied. Here's how your premium shakes out:
| Item | Amount |
|---|---|
| Base + risk + policy fee | $922.75 |
| Safe driver (−12%) | −$110.73 |
| Paid-in-full (−7%) | −$56.84 |
| Paperless (−$25) | −$25.00 |
| WELCOME15 (−15%) | −$109.53 |
| Final annual premium | $620.65 |
The 15% promo saved you $109.53, and you're well under its $300 cap. That's an annual, pay-in-full premium of $620.65 for your 2019 Honda Civic on the PINE tier, 12-month term.
You said you're ready to move forward today. Want me to bind the policy now with an effective date of today (2025-06-01)?
Yes, absolutely — that's exactly what I want. Go ahead and bind it with coverage starting today. Thanks for getting that discount applied.
⚙ bind_policy(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"effective_date": "2025-06-01"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"expiration_date": [
null,
"2026-06-01"
]
}
}
]
}
}
}You're all set, Aaron! 🎉 Your auto policy is now active:
- Policy: POL-prospect-il-auto-q2_auto (2019 Honda Civic)
- Coverage starts: 2025-06-01
- Expires: 2026-06-01 (12-month term)
- Annual premium (paid in full): $620.65
Welcome to PEICO! Is there anything else I can help you with?
No, that's perfect — thanks for taking care of that so quickly. I appreciate you getting the WELCOME15 discount sorted out. Have a good one!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care, Aaron — enjoy the rest of your day!