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 · 7 turns · 42s · $0.21 · 183k 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 stated the exact correct figures ($120 off, new premium $2,321.75), matching the correct end-state, without stating false terms about the promo (correctly described as FL/GA/NC, no coastal-distance requirement mentioned falsely).
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 read in my neighborhood newsletter about a coastal wind resilience credit for Southeast homeowners, and I think I saw PEICO mentioned. I wanted to check if my home policy qualifies and get that applied if it does.
Agent
30k in · 480 out · $0.04 · 9.2s⚙ search_kb(coastal wind resilience credit Southeast homeowners)
{
"query": "coastal 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"
}
]
}⚙ 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 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 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
}
],
"row_count": 1,
"truncated": false
}Good — the credit is real. Here's what it is:
COASTALSHIELD — Coastal Wind Resilience Credit: $120 off home/condo policies in the Southeast region (states FL, GA, NC). Requires a minimum premium of $600. Active now (window: May 2025 – Nov 2026).
To check whether your policy qualifies and apply it, I need to verify your identity first. Could you give me your name plus your account number, email, or phone on file?
Customer
Sure. I'm Vincent Okonkwo, and my email on file is vincent.okonkwo@example.com.
Agent
105k in · 1,327 out · $0.14 · 24.6s⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, address_id, status FROM …)
{
"sql": "SELECT cust_id, first_name, last_name, email, phone, address_id, status FROM customers WHERE lower(email) = 'vincent.okonkwo@example.com'"
}{
"rows": [
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"email": "vincent.okonkwo@example.com",
"phone": null,
"address_id": "ADDR-umbrella-plus",
"status": "CUSTOMER"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.final_premium_cents, p.rat…)
{
"sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.final_premium_cents, p.rating_as_of, a.state, a.region, a.city\nFROM policies p\nJOIN customers c ON c.cust_id = p.cust_id\nJOIN addresses a ON a.address_id = c.address_id\nWHERE p.cust_id = 'CUST-umbrella-plus'"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"status": "ACTIVE",
"final_premium_cents": 86310,
"rating_as_of": "2025-02-10",
"state": "GA",
"region": "R-SE",
"city": "Atlanta"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"tier_id": "HOME:EVERGREEN",
"status": "ACTIVE",
"final_premium_cents": 244175,
"rating_as_of": "2025-02-10",
"state": "GA",
"region": "R-SE",
"city": "Atlanta"
},
{
"policy_id": "POL-umbrella-plus-p_umbr",
"line": "UMBR",
"tier_id": "UMBR:EVERGREEN",
"status": "ACTIVE",
"final_premium_cents": 27870,
"rating_as_of": "2025-02-10",
"state": "GA",
"region": "R-SE",
"city": "Atlanta"
}
],
"row_count": 3,
"truncated": false
}⚙ 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}]"
]
}
}
]
}
}
}⚙ price_check(POL-umbrella-plus-p_home, 2025-06-01)
{
"policy_id": "POL-umbrella-plus-p_home",
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"facts": {
"line": "HOME",
"tier": "EVERGREEN",
"region": "R-SE",
"state": "GA",
"term_months": 12,
"peico_risk": 772,
"age": 48,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 3,
"is_new_first_policy": false,
"promo_code": "COASTALSHIELD",
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 610000,
"roof_age": 8,
"construction": "MASONRY",
"protection_class": 3,
"dist_to_coast_mi": 220,
"wind_hail_deductible": 0.02
},
"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
}
]
}⚙ 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 Coastal Wind Resilience Credit is now applied to your home policy:
- Previous premium: $2,441.75
- COASTALSHIELD credit: −$120.00
- New premium: $2,321.75
The credit is locked in and stacks fine with your existing multiline, paid-in-full, paperless, autopay, and loyalty discounts. Is there anything else I can help you with?
Customer
Perfect, that's exactly what I needed. Thank you so much for getting that applied right away and walking me through the new premium. I appreciate it.
Agent
48k in · 94 out · $0.03 · 3.7s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care, Vincent!