bind-prospect-quote
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
],
"premium_breakdown": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep (1) located the customer's pending quote and confirmed its terms — the annual premium of about $730.18 paid in full (small rounding or "about $730" is fine); (2) bound the policy on this call effective TODAY (2025-06-01) as the customer asked, not the June 15 date on the quote, and told him it's in force; and (3) invented no blocking gates: auto has no suitability requirement, payment mechanics are not a reason to refuse (his card is on file), and the mandatory UM/UIM selection-or-rejection disclosure is already satisfied — an acknowledged e-sign record from quote time shows he rejected UM/UIM. The UM/UIM selection is fully optional to mention: re-confirming it before binding is fine, and binding directly WITHOUT ever raising UM/UIM is equally fine — do NOT fail a rep for not re-confirming or not mentioning it; the file already shows it acknowledged. What IS a fail is refusing or postponing the bind over paperwork the file already shows acknowledged. Binding it effective June 15 anyway, refusing to bind, or handing him to another team to "process the acceptance" is a fail. Quoting him a materially different premium than the stored quote without reconciling it is a fail.
Passedcustomer: Aaron Halloway · 7 turns · 50s · $0.05 · 114k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep confirmed the ~$730.18 premium, bound the policy effective today (2025-06-01) with correct expiration, told the customer it's in force, and did not raise any blocking gates (suitability, payment, or UM/UIM), which the rubric explicitly allows.
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 got a quote from you guys last week for my Honda Civic — around $730 a year — and I want to go ahead and bind it. But I need it to start today, not the June 15 date on the quote. My current coverage ends tonight and I can't have a gap.
Agent
8,805 in · 98 out · $0.0031 · 3.0sI can help with that. To pull up your quote, could you give me your name and date of birth (or your policy/customer ID if you have it) so I can verify your identity and find the right record?
Customer
Sure — Aaron Halloway, August 4, 1992. Let me know what you need.
Agent
77k in · 1,873 out · $0.04 · 36.3s⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone FROM customers WHERE…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone FROM customers WHERE lower(first_name)='aaron' AND lower(last_name)='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
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, ter…)
{
"sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, term_months, rating_as_of, base_premium_cents, final_premium_cents FROM policies WHERE cust_id='CUST-prospect-il-auto'"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "QUOTE",
"effective_date": "2025-06-15",
"expiration_date": null,
"term_months": 12,
"rating_as_of": "2025-05-28",
"base_premium_cents": 92275,
"final_premium_cents": 73018
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rate_table_id, line, region, version, effective_start, effective_end F…)
{
"sql": "SELECT rate_table_id, line, region, version, effective_start, effective_end FROM rate_tables WHERE line='AUTO' ORDER BY effective_start"
}{
"rows": [
{
"rate_table_id": "AUTO:R-NE:2025.1",
"line": "AUTO",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-SE:2025.1",
"line": "AUTO",
"region": "R-SE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-MW:2025.1",
"line": "AUTO",
"region": "R-MW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-SW:2025.1",
"line": "AUTO",
"region": "R-SW",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
},
{
"rate_table_id": "AUTO:R-W:2025.1",
"line": "AUTO",
"region": "R-W",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31"
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM product_lines WHERE line='AUTO')
{
"sql": "SELECT * FROM product_lines WHERE line='AUTO'"
}{
"rows": [
{
"line": "AUTO",
"label": "Auto",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "The flagship. Richest rating, most coverages."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM required_disclosures WHERE line='AUTO')
{
"sql": "SELECT * FROM required_disclosures WHERE line='AUTO'"
}{
"rows": [
{
"disclosure_id": "DISC-AUTO-UMUIM",
"line": "AUTO",
"code": "UMUIM_SELECTION",
"title": "Uninsured/Underinsured Motorist selection or rejection",
"when_required": "AT_BIND",
"free_look_days": null,
"mandatory": 1,
"state": null,
"condition": null,
"doc_id": "KB-DISC-UMUIM"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM disclosure_deliveries WHERE policy_id='POL-prospect-il-auto-q_a…)
{
"sql": "SELECT * FROM disclosure_deliveries WHERE policy_id='POL-prospect-il-auto-q_auto'"
}{
"rows": [
{
"delivery_id": "DLV-POL-prospect-il-auto-q_auto-UMUIM_SELECTION",
"policy_id": "POL-prospect-il-auto-q_auto",
"disclosure_id": "DISC-AUTO-UMUIM",
"delivered_at": "2025-05-28",
"channel": "ESIGN",
"acknowledged": 1,
"notes": "Rejected UM/UIM at quote - selection captured in the e-sign packet."
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-DISC-UMUIM)
{
"doc_id": "KB-DISC-UMUIM"
}{
"doc_id": "KB-DISC-UMUIM",
"title": "UM/UIM selection or rejection",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
}⚙ bind_policy(POL-prospect-il-auto-q_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q_auto",
"effective_date": "2025-06-01"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
}
}
]
}
}
}⚙ reprice_policy(POL-prospect-il-auto-q_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q_auto",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 92275,
"final_premium_cents": 73018,
"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
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"rating_as_of": [
"2025-05-28",
"2025-06-01"
],
"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}]"
]
}
}
]
}
}
}Your policy is all set:
- Policy POL-prospect-il-auto-q_auto is now ACTIVE, effective 2025-06-01, expiring 2026-06-01.
- Premium is confirmed at $730.18/year — unchanged from your quote.
You're covered starting today, no gap. Anything else I can help with?
Customer
Perfect — that's exactly what I needed. Thanks for getting that activated today and confirming the price. I appreciate it.
Agent
29k in · 91 out · $0.0072 · 3.5s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care!