payinfull-switch-savings
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep gave the customer the complete, engine-verified savings from switching his auto policy to pay-in-full: about $117.81 per 6-month term (equivalently: his term premium going from about $1,204.68 to about $1,086.87). The savings has TWO components — dropping the $36 fractional-pay surcharge AND gaining the 7% paid-in-full discount — and the rep's final answer must reflect the combined figure. Accept any final savings figure within a few dollars of $117.81 per term (or a new term total within a few dollars of $1,086.87) — e.g., ~$116 from a slightly different fee/discount ordering is a PASS; the tolerance is a couple of dollars, not tens. Telling him only that he'd avoid the ~$36 installment fee, and never producing the combined figure even after he pushes for the full number, is a fail. Giving a materially different combined figure (tens of dollars off — e.g., ~$197 per term, which comes from pricing a 12-month policy instead of his actual 6-month term) is a fail. The rep must not change his billing plan or anything else on this call — he explicitly isn't switching today; describing how to make the switch at renewal is fine.
Passedcustomer: Raymond Castillo · 7 turns · 47s · $0.06 · 113k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep provided the correct combined savings figure of $117.81 per 6-month term (from $1,204.68 to $1,086.87), correctly explaining both the removed surcharge and the added discount, and did not change the billing plan since the customer declined.
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'm Raymond Castillo, and I have a question about my auto policy. I'm thinking about paying my next term in full instead of doing monthly installments, but I want to know exactly how much I'd save if I did that. Can you pull up that math for me?
Agent
8,805 in · 67 out · $0.0028 · 2.2sI can help with that. Could you confirm your date of birth or customer/policy ID so I can pull up the right account securely?
Customer
Sure. It's December 11, 1974. My old account number is EVG4471Q2 if that helps.
Agent
75k in · 1,998 out · $0.04 · 31.0s⚙ query_db(SELECT cust_id, first_name, last_name, dob, legacy_acct, status FROM customer…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, legacy_acct, status FROM customers WHERE legacy_acct = 'EVG4471Q2'"
}{
"rows": [
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"dob": "1974-12-11",
"legacy_acct": "EVG4471Q2",
"status": "CUSTOMER"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, billing_plan_check_placeholder FROM …)
{
"sql": "SELECT policy_id, line, tier_id, status, billing_plan_check_placeholder FROM policies WHERE cust_id='CUST-legacy-mismatch'"
}{
"error": "sql_error",
"detail": "no such column: billing_plan_check_placeholder"
}⚙ query_db(SELECT * FROM policies WHERE cust_id='CUST-legacy-mismatch')
{
"sql": "SELECT * FROM policies WHERE cust_id='CUST-legacy-mismatch'"
}{
"rows": [
{
"policy_id": "POL-legacy-mismatch-p_auto",
"cust_id": "CUST-legacy-mismatch",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"term_months": 6,
"rating_as_of": "2025-02-20",
"base_premium_cents": 120468,
"final_premium_cents": 120468,
"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-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"BASE\", \"code\": \"term\", \"detail\": \"6mo proration \\u00d70.5\", \"factor\": 0.5, \"amount_cents\": null, \"running_cents\": 50400}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=50 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 50400}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=616 \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 61488}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=16000 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 73786}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=7 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 73786}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=2 \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 114368}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 116868}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 120468}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": false}, \"incidents_5yr\": 2, \"smoker\": false, \"promo_code\": null}",
"underlying_policy_id": null,
"bundle_id": null,
"rep_id": "REP-1008",
"created_at": "2025-06-01"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM discounts WHERE effect LIKE '%pay%' OR code LIKE '%PIF%' OR cod…)
{
"sql": "SELECT * FROM discounts WHERE effect LIKE '%pay%' OR code LIKE '%PIF%' OR code LIKE '%FULL%' OR label LIKE '%full%'"
}{
"rows": [
{
"discount_id": "DISC-PAID-IN-FULL",
"code": "PAID_IN_FULL",
"label": "Paid In Full",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.07}",
"stack_order": 30,
"eligibility": "billing.plan == PAY_IN_FULL",
"notes": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.coverage_id, pc.value FROM policy_coverages pc WHERE pc.policy_id='…)
{
"sql": "SELECT pc.coverage_id, pc.value FROM policy_coverages pc WHERE pc.policy_id='POL-legacy-mismatch-p_auto'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"value": "5000000/10000000"
},
{
"coverage_id": "AUTO:COLL",
"value": "100000"
},
{
"coverage_id": "AUTO:COMP",
"value": "50000"
},
{
"coverage_id": "AUTO:PD",
"value": "5000000"
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT c.cust_id, c.peico_risk, a.region FROM customers c JOIN addresses a ON…)
{
"sql": "SELECT c.cust_id, c.peico_risk, a.region FROM customers c JOIN addresses a ON c.address_id=a.address_id WHERE c.cust_id='CUST-legacy-mismatch'"
}{
"rows": [
{
"cust_id": "CUST-legacy-mismatch",
"peico_risk": 616,
"region": "R-SW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT v.* FROM vehicles v JOIN policy_objects po ON po.object_id=v.vehicle_i…)
{
"sql": "SELECT v.* FROM vehicles v JOIN policy_objects po ON po.object_id=v.vehicle_id WHERE po.policy_id='POL-legacy-mismatch-p_auto'"
}{
"rows": [
{
"vehicle_id": "VEH-legacy-mismatch-v1",
"cust_id": "CUST-legacy-mismatch",
"year": 2018,
"make": "Ford",
"model": "F-150",
"vin": "VINFAKELEGv1",
"usage": "COMMUTE",
"annual_miles": 16000,
"financed": 0,
"garaging_address_id": "ADDR-legacy-mismatch"
}
],
"row_count": 1,
"truncated": false
}⚙ quote({"line":"AUTO","region":"R-SW","tier":"PINE","peico_risk":616,"annual_miles":…)
{
"facts": {
"line": "AUTO",
"region": "R-SW",
"tier": "PINE",
"peico_risk": 616,
"annual_miles": 16000,
"incidents_5yr": 2,
"vehicle_age": 7,
"driver_age": 50,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"billing_plan": "PAY_IN_FULL",
"term_months": 6
},
"as_of": "2025-02-20"
}{
"as_of": "2025-02-20",
"base_premium_cents": 116868,
"final_premium_cents": 108687,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "BASE",
"code": "term",
"detail": "6mo proration ×0.5",
"factor": 0.5,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=50 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=616 ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 61488
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=16000 ×1.2",
"factor": 1.2,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=7 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=2 ×1.55",
"factor": 1.55,
"amount_cents": null,
"running_cents": 114368
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 116868
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 108687
}
]
}⚙ quote({"line":"AUTO","region":"R-SW","tier":"PINE","peico_risk":616,"annual_miles":…)
{
"facts": {
"line": "AUTO",
"region": "R-SW",
"tier": "PINE",
"peico_risk": 616,
"annual_miles": 16000,
"incidents_5yr": 2,
"vehicle_age": 7,
"driver_age": 50,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"billing_plan": "INSTALLMENTS",
"term_months": 6
},
"as_of": "2025-02-20"
}{
"as_of": "2025-02-20",
"base_premium_cents": 120468,
"final_premium_cents": 120468,
"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-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "BASE",
"code": "term",
"detail": "6mo proration ×0.5",
"factor": 0.5,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=50 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=616 ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 61488
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=16000 ×1.2",
"factor": 1.2,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=7 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=2 ×1.55",
"factor": 1.55,
"amount_cents": null,
"running_cents": 114368
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 116868
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 120468
}
]
}This matches your policy exactly — both figures line up with what's on file. Here's the math:
Currently (Installments):
- Base premium (after all rating factors + $25 policy fee): $1,168.68
-
- $36.00 installment surcharge
- Final: $1,204.68
If you switch to Pay-in-Full:
- Same base: $1,168.68
- − 7% Paid-in-Full discount ($81.81)
- Final: $1,086.87
Your savings: $117.81 for the 6-month term if you pay in full instead of installments.
Would you like me to go ahead and switch your billing plan to Pay-in-Full and lock in that price?
Customer
Perfect — that's exactly what I needed. $117.81 per term, that's clear. Thanks for breaking it down. I'm not switching anything today, but I'll definitely think it over before my renewal comes up. I appreciate you getting me the actual numbers.
Agent
29k in · 95 out · $0.0076 · 3.6s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care!