legacy-glossary-coverage-compare

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status FROM customers WHERE last_name = 'Pennington' AND first_name = 'Walter'"
}

{
  "rows": [
    {
      "cust_id": "CUST-heritage-auto",
      "first_name": "Walter",
      "last_name": "Pennington",
      "dob": "1957-11-02",
      "email": "walter.pennington@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "UMUIM RENT_REIMB OEM coverage code glossary"
}

{
  "results": [
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "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-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-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-TX-MOTO",
      "title": "TX: motorcycle custom-parts coverage unavailable",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
      "snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    },
    {
      "doc_id": "KB-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
    }
  ]
}

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

{
  "rows": [
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:HERITAGE",
      "status": "ACTIVE",
      "effective_date": "2025-02-01",
      "expiration_date": "2026-02-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "doc_id": "KB-GLOSSARY-AUTO"
}

{
  "doc_id": "KB-GLOSSARY-AUTO",
  "title": "Auto coverage codes, decoded",
  "category": "GLOSSARY",
  "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
  "body_md": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- **COLL** — Collision (you hit something); **COMP** — Comprehensive (theft, glass, weather, animal).\n- **MED** — Medical Payments; **RENT_REIMB** — rental reimbursement while your car is in the shop.\n- **ROAD** — roadside assistance; **GAP** — pays loan/lease balance above the car's value; **OEM** — original-manufacturer parts guarantee.\n"
}

{
  "doc_id": "KB-HERITAGE"
}

{
  "doc_id": "KB-HERITAGE",
  "title": "Heritage tier (retired 2009) — do not drop without disclosure",
  "category": "UNDERWRITING",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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 combination\npermanently**. Disclose the downgrade trap before any tier change off Heritage.\n"
}

{
  "sql": "SELECT pc.coverage_id, c.label, c.notes, pc.value FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-heritage-auto-p_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "label": "Bodily Injury Liability",
      "notes": "Per-person / per-accident. Limit rises by tier.",
      "value": "10000000/30000000"
    },
    {
      "coverage_id": "AUTO:COLL",
      "label": "Collision",
      "notes": "Deductible falls by tier.",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:COMP",
      "label": "Comprehensive",
      "notes": "Deductible falls by tier.",
      "value": "50000"
    },
    {
      "coverage_id": "AUTO:MED",
      "label": "Medical Payments",
      "notes": "Evergreen+ only.",
      "value": "500000"
    },
    {
      "coverage_id": "AUTO:OEM",
      "label": "OEM Parts Guarantee",
      "notes": "Sequoia only.",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:PD",
      "label": "Property Damage Liability",
      "notes": "Limit rises by tier.",
      "value": "5000000"
    },
    {
      "coverage_id": "AUTO:RENT_REIMB",
      "label": "Rental Reimbursement",
      "notes": "Per-day/max. Evergreen+ only.",
      "value": "90000"
    },
    {
      "coverage_id": "AUTO:ROAD",
      "label": "Roadside Assistance",
      "notes": "Included at Sequoia; add-on elsewhere.",
      "value": "true"
    },
    {
      "coverage_id": "AUTO:UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM.",
      "value": "10000000/30000000"
    }
  ],
  "row_count": 9,
  "truncated": false
}

{}

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