pet-wellness-drop-phone
Grading criteriawhat this conversation was scored against
DB end-state
{
"customers": {
"changed": [
{
"pk": {
"cust_id": "CUST-loyalty-oldgrowth"
},
"fields": {
"phone": [
null,
"616-555-0148"
]
}
}
]
},
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet"
},
"fields": {
"base_premium_cents": [
68170,
56170
],
"final_premium_cents": [
56117,
45834
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS",
"value": "true",
"premium_contribution_cents": 12000
}
}
]
}
}Judge rubric
The rep completed BOTH requests on this call: (1) removed the wellness rider from the PET policy and repriced it, telling him a concrete outcome — the $120/yr list price, the true savings of about $102.83/yr, or the new total of about $458.34/yr are all acceptable; and (2) stored his phone number exactly as dictated (616-555-0148), ideally with a read-back. The auto policy and everything else stay untouched. Completing only one of the two and ending the call is a fail. Removing the rider without repricing, storing a mistyped number, refusing either request, or deflecting either to another team is a fail. Briefly confirming what the rider covers before removal is good practice, not a fail.
Verdicts
DB end-statefailed
DB end-state did not match.
expected: {"customers": {"changed": [{"pk": {"cust_id": "CUST-loyalty-oldgrowth"}, "fields": {"phone": [null, "616-555-0148"]}}]}, "policies": {"changed": [{"pk": {"policy_id": "POL-loyalty-oldgrowth-p_pet"}, "fields": {"base_premium_cents": [68170, 56170], "final_premium_cents": [56117, 45834], "premium_breakdown": ["*", "*"]}, "may_change": {"rating_as_of": ["*", "*"]}}]}, "policy_coverages": {"removed": [{"pk": {"policy_id": "POL-loyalty-oldgrowth-p_pet", "coverage_id": "PET:WELLNESS"}, "row": {"policy_id": "POL-loyalty-oldgrowth-p_pet", "coverage_id": "PET:WELLNESS", "value": "true", "premium_contribution_cents": 12000}}]}}
actual: {"customers": {"changed": [{"pk": {"cust_id": "CUST-loyalty-oldgrowth"}, "fields": {"phone": [null, "(616) 555-0148"]}}]}, "policies": {"changed": [{"pk": {"policy_id": "POL-loyalty-oldgrowth-p_pet"}, "fields": {"base_premium_cents": [68170, 56170], "final_premium_cents": [56117, 45834], "premium_breakdown": ["[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"COVERAGE\", \"code\": \"WELLNESS\", \"detail\": \"+ WELLNESS $120\", \"factor\": null, \"amount_cents\": 12000, \"running_cents\": 65670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 68170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 63398}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 60898}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 59071}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 56117}]", "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 56170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 52238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 49738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 48246}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 45834}]"]}}]}, "policy_coverages": {"removed": [{"pk": {"policy_id": "POL-loyalty-oldgrowth-p_pet", "coverage_id": "PET:WELLNESS"}, "row": {"policy_id": "POL-loyalty-oldgrowth-p_pet", "coverage_id": "PET:WELLNESS", "value": "true", "premium_contribution_cents": 12000}}]}}Judge rubricpassed
judge: The rep removed the wellness rider and gave the correct repriced total ($458.34) and savings ($102.83), then read back and stored the phone number exactly as dictated (616-555-0148), with no changes to the auto policy.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi there. I'm calling to make a couple of changes to my account. First, I'd like to remove the wellness rider from my pet policy — Biscuit's coverage. Can you help with that today?
I'd be glad to help. First, let me verify your identity and find your account. Could you please give me your name along with either your date of birth, email, or phone number on file?
Sure. I'm Harold Nyberg. My email on file is harold.nyberg@example.com.
⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status FROM custome…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status FROM customers WHERE lower(email)='harold.nyberg@example.com' OR (lower(first_name)='harold' AND lower(last_name)='nyberg')"
}{
"rows": [
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"status": "CUSTOMER"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, pet.name, pet.species FROM p…)
{
"sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, pet.name, pet.species\nFROM policies p\nJOIN policy_objects po ON po.policy_id=p.policy_id AND po.object_type='pet'\nJOIN pets pet ON pet.pet_id=po.object_id\nWHERE p.cust_id='CUST-loyalty-oldgrowth'"
}{
"rows": [
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"tier_id": "PET:EVERGREEN",
"status": "ACTIVE",
"name": "Biscuit",
"species": "DOG"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cen…)
{
"sql": "SELECT pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cents\nFROM policy_coverages pc\nJOIN coverages c ON c.coverage_id=pc.coverage_id\nWHERE pc.policy_id='POL-loyalty-oldgrowth-p_pet'"
}{
"rows": [
{
"coverage_id": "PET:ANNUAL_MAX",
"code": "ANNUAL_MAX",
"label": "Annual Benefit Limit",
"value": "2000000",
"premium_contribution_cents": null
},
{
"coverage_id": "PET:DEDUCT",
"code": "DEDUCT",
"label": "Annual Deductible",
"value": "10000",
"premium_contribution_cents": null
},
{
"coverage_id": "PET:DENTAL",
"code": "DENTAL",
"label": "Dental Illness",
"value": "true",
"premium_contribution_cents": 6000
},
{
"coverage_id": "PET:EXAM_FEE",
"code": "EXAM_FEE",
"label": "Exam Fees",
"value": "true",
"premium_contribution_cents": 2500
},
{
"coverage_id": "PET:REIMB_PCT",
"code": "REIMB_PCT",
"label": "Reimbursement Percentage",
"value": "0.9",
"premium_contribution_cents": null
},
{
"coverage_id": "PET:WELLNESS",
"code": "WELLNESS",
"label": "Wellness/Routine Care",
"value": "true",
"premium_contribution_cents": 12000
}
],
"row_count": 6,
"truncated": false
}⚙ query_db(SELECT rule_id, coverage_id, state, effect, condition, notes FROM eligibility…)
{
"sql": "SELECT rule_id, coverage_id, state, effect, condition, notes FROM eligibility_rules WHERE line='PET' AND (coverage_id='PET:WELLNESS' OR coverage_id IS NULL)"
}{
"rows": [],
"row_count": 0,
"truncated": false
}No rules block removing it. Just to confirm before I make the change:
I'll remove the Wellness/Routine Care rider from Biscuit's pet policy. That rider currently contributes $120.00 to your premium, so your premium will drop once I reprice it.
Shall I go ahead?
Yes, absolutely. Go ahead and remove it. And can you tell me what the new premium will be after that drops off?
⚙ update_coverages(POL-loyalty-oldgrowth-p_pet, ["WELLNESS"])
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"remove": [
"WELLNESS"
]
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS"
},
"row": {
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"coverage_id": "PET:WELLNESS",
"value": "true",
"premium_contribution_cents": 12000
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-loyalty-oldgrowth-p_pet)
{
"policy_id": "POL-loyalty-oldgrowth-p_pet"
}{
"ok": true,
"as_of": "2025-01-20",
"base_premium_cents": 56170,
"final_premium_cents": 45834,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $240",
"factor": null,
"amount_cents": null,
"running_cents": 24000
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.45",
"factor": 1.45,
"amount_cents": null,
"running_cents": 34800
},
{
"step": "BASE",
"code": "region:R-MW",
"detail": "region factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 34800
},
{
"step": "RISK",
"code": "factor:species",
"detail": "species=DOG ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 38280
},
{
"step": "RISK",
"code": "factor:pet_age",
"detail": "pet_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 38280
},
{
"step": "RISK",
"code": "factor:reimburse_pct",
"detail": "reimburse_pct=0.9 ×1.18",
"factor": 1.18,
"amount_cents": null,
"running_cents": 45170
},
{
"step": "COVERAGE",
"code": "DENTAL",
"detail": "+ DENTAL $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 51170
},
{
"step": "COVERAGE",
"code": "EXAM_FEE",
"detail": "+ EXAM_FEE $25",
"factor": null,
"amount_cents": 2500,
"running_cents": 53670
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 56170
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 52238
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 49738
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 48246
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 45834
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-loyalty-oldgrowth-p_pet"
},
"fields": {
"base_premium_cents": [
68170,
56170
],
"final_premium_cents": [
56117,
45834
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"COVERAGE\", \"code\": \"WELLNESS\", \"detail\": \"+ WELLNESS $120\", \"factor\": null, \"amount_cents\": 12000, \"running_cents\": 65670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 68170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 63398}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 60898}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 59071}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 56117}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $240\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 24000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 34800}, {\"step\": \"RISK\", \"code\": \"factor:species\", \"detail\": \"species=DOG \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:pet_age\", \"detail\": \"pet_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 38280}, {\"step\": \"RISK\", \"code\": \"factor:reimburse_pct\", \"detail\": \"reimburse_pct=0.9 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 45170}, {\"step\": \"COVERAGE\", \"code\": \"DENTAL\", \"detail\": \"+ DENTAL $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 51170}, {\"step\": \"COVERAGE\", \"code\": \"EXAM_FEE\", \"detail\": \"+ EXAM_FEE $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 53670}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 56170}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 52238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 49738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 48246}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 45834}]"
]
}
}
]
}
}
}Done — the Wellness/Routine Care rider has been removed from Biscuit's policy and I've repriced it.
Your new premium is $458.34/year, down from $561.17 — a savings of about $102.83/year.
You mentioned you had a couple of changes. What else can I help you with?
Perfect, thanks. I also need to add my cell phone number to the account: six one six, five five five, zero one four eight.
Just to confirm, I'll add (616) 555-0148 as your phone number on file. Go ahead?
Yes, that's correct. Go ahead and add it.
⚙ update_contact(CUST-loyalty-oldgrowth, (616) 555-0148)
{
"cust_id": "CUST-loyalty-oldgrowth",
"phone": "(616) 555-0148"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"customers": {
"changed": [
{
"pk": {
"cust_id": "CUST-loyalty-oldgrowth"
},
"fields": {
"phone": [
null,
"(616) 555-0148"
]
}
}
]
}
}
}Done — I've added (616) 555-0148 as your phone number on file.
Is there anything else I can help you with, Harold?
No, that's everything. Thanks for taking care of both of those today.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Thanks for being a valued PEICO customer. Have a great day!