pinebundle-real-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 identified at least one genuine, currently-applicable discount or promotion the customer qualifies for — in particular a bundle-related promotion available because she has two active lines (auto + home), and/or her existing multi-line/loyalty discounts. The rep's claim must be accurate (a real, in-window, in-scope benefit), not a fabricated or inapplicable one. Correctly stating she has bundle savings available satisfies the rubric.

Passedcustomer: Marisol Trujillo · 11 turns · 68s · $0.10 · 194k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified the PINEBUNDLE promotion (10% off, valid for 2+ active lines like auto+home, in-window) and accurately noted existing Multi-Line and Loyalty discounts already applied, matching the reference answer's real benefit.

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'm calling to see what discounts or promotions I might qualify for on my policies. I have both auto and home coverage with you guys, and I'd like to know if there's anything that could help lower my premium.

Agent

I'd be happy to look into that! First, I need to verify your identity — could you give me your full name and either your date of birth or the email/phone on your account?

8,789 in · 69 out · $0.0028 · 2.0s

Customer

Sure. My name is Marisol Trujillo, and my date of birth is June 15, 1980.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status, loyalty_tie…)

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status, loyalty_tier, loyalty_points FROM customers WHERE lower(first_name)='marisol' AND lower(last_name)='trujillo'"
}

{
  "rows": [
    {
      "cust_id": "CUST-nest-household",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "dob": "1980-06-15",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "status": "CUSTOMER",
      "loyalty_tier": "Timber",
      "loyalty_points": 4200
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, bas…)

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, base_premium_cents, final_premium_cents, bundle_id FROM policies WHERE cust_id='CUST-nest-household'"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "base_premium_cents": 80320,
      "final_premium_cents": 49184,
      "bundle_id": "BND-nest-household"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "base_premium_cents": 170868,
      "final_premium_cents": 131533,
      "bundle_id": "BND-nest-household"
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ query_db(SELECT * FROM bundles WHERE cust_id='CUST-nest-household')

{
  "sql": "SELECT * FROM bundles WHERE cust_id='CUST-nest-household'"
}

{
  "rows": [
    {
      "bundle_id": "BND-nest-household",
      "cust_id": "CUST-nest-household",
      "code": "NEST",
      "discount_id": "DISC-MULTILINE",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM discounts)

{
  "sql": "SELECT * FROM discounts"
}

{
  "rows": [
    {
      "discount_id": "DISC-SAFEDRIVER",
      "code": "SAFE_DRIVER",
      "label": "Safe Driver",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.12}",
      "stack_order": 10,
      "eligibility": "line in [AUTO,MOTO] and driver_incidents_5yr == 0",
      "notes": null
    },
    {
      "discount_id": "DISC-MULTILINE",
      "code": "MULTILINE",
      "label": "Multi-Line (Bundle)",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "stack_order": 20,
      "eligibility": "household has an active bundle (NEST/NEST_PLUS/FAMILY_TREE/ROOST)",
      "notes": "This is the discount a bundle attaches to; breaking the bundle re-rates survivors without it."
    },
    {
      "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
    },
    {
      "discount_id": "DISC-PAPERLESS",
      "code": "PAPERLESS",
      "label": "Paperless Billing",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
      "stack_order": 40,
      "eligibility": "contact.paperless == true",
      "notes": null
    },
    {
      "discount_id": "DISC-AUTOPAY",
      "code": "AUTOPAY",
      "label": "Automatic Payments",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
      "stack_order": 50,
      "eligibility": "billing.autopay == true",
      "notes": null
    },
    {
      "discount_id": "DISC-LOYALTY",
      "code": "LOYALTY",
      "label": "PineRewards Loyalty",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stack_order": 60,
      "eligibility": "loyalty_tier in [Timber, OldGrowth]",
      "notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
    }
  ],
  "row_count": 6,
  "truncated": false
}

⚙ query_db(SELECT * FROM promotions WHERE active=1)

{
  "sql": "SELECT * FROM promotions WHERE active=1"
}

{
  "rows": [
    {
      "promo_code": "WELCOME15",
      "label": "New-Customer Welcome 15%",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\", \"RENT\", \"CONDO\", \"PET\"], \"regions\": \"ALL\", \"customer\": \"NEW_FIRST_POLICY\"}",
      "window_start": "2025-01-01",
      "window_end": "2026-12-31",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
      "caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-WELCOME15",
      "notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
    },
    {
      "promo_code": "PINEBUNDLE",
      "label": "Pine Bundle Boost",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"ANY\", \"requires_active_lines\": 2}",
      "window_start": "2025-03-01",
      "window_end": "2026-12-31",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.1}",
      "stacks_with": "[\"DISC-MULTILINE\", \"DISC-LOYALTY\"]",
      "caps": "{\"max_benefit_usd\": 500, \"min_premium_floor_usd\": 250}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "notes": "Requires >=2 active lines for the household. Pairs with the NEST bundle discount."
    },
    {
      "promo_code": "GREENSTART",
      "label": "Evergreen Loyalty Rider (legacy)",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"EXISTING\"}",
      "window_start": "2018-01-01",
      "window_end": "2099-01-01",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stacks_with": "[\"DISC-LOYALTY\"]",
      "caps": "{\"max_benefit_usd\": 0, \"min_premium_floor_usd\": 0}",
      "active": 1,
      "retired_rider": 1,
      "doc_id": "KB-PROMO-GREENSTART",
      "notes": "The $0 trap. Still validates; agent must NOT promise a discount that nets zero."
    },
    {
      "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,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "notes": "SE region only; intended for wind-mitigated dwellings."
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT policy_id, premium_breakdown FROM policies WHERE cust_id='CUST-nest-ho…)

{
  "sql": "SELECT policy_id, premium_breakdown FROM policies WHERE cust_id='CUST-nest-household'"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "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=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 170868}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]"
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ query_db(SELECT policy_id, rating_inputs FROM policies WHERE cust_id='CUST-nest-househ…)

{
  "sql": "SELECT policy_id, rating_inputs FROM policies WHERE cust_id='CUST-nest-household'"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ query_db(SELECT address_id, region, state FROM addresses WHERE address_id=(SELECT addr…)

{
  "sql": "SELECT address_id, region, state FROM addresses WHERE address_id=(SELECT address_id FROM customers WHERE cust_id='CUST-nest-household')"
}

{
  "rows": [
    {
      "address_id": "ADDR-nest-household",
      "region": "R-MW",
      "state": "IL"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(PINEBUNDLE Pine Bundle Boost promo)

{
  "query": "PINEBUNDLE Pine Bundle Boost promo"
}

{
  "results": [
    {
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "title": "PINEBUNDLE terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
    },
    {
      "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-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-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\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-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
    },
    {
      "doc_id": "KB-PROMO-WELCOME15",
      "title": "WELCOME15 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
    },
    {
      "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."
    }
  ]
}

⚙ search_kb(promo code stacking rules discount order)

{
  "query": "promo code stacking rules discount order"
}

{
  "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-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-PROMO-GREENSTART",
      "title": "GREENSTART — retired rider ($0)",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
    },
    {
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "title": "PINEBUNDLE terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
    },
    {
      "doc_id": "KB-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
    },
    {
      "doc_id": "KB-PROMO-WELCOME15",
      "title": "WELCOME15 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
    },
    {
      "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-PROMO-PETLOVE",
      "title": "PETLOVE terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"PET\"]}",
      "snippet": "20% off pet policies during October 2025 adoption month. Cap $60."
    }
  ]
}

⚙ query_db(SELECT * FROM promotions WHERE promo_code='SPRINGSAVE25')

{
  "sql": "SELECT * FROM promotions WHERE promo_code='SPRINGSAVE25'"
}

{
  "rows": [
    {
      "promo_code": "SPRINGSAVE25",
      "label": "Spring Savings 2025",
      "scope": "{\"lines\": [\"AUTO\"], \"regions\": [\"R-MW\", \"R-SW\"], \"customer\": \"ANY\"}",
      "window_start": "2025-03-20",
      "window_end": "2025-06-21",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 75}",
      "stacks_with": "[]",
      "caps": "{\"max_benefit_usd\": 75, \"min_premium_floor_usd\": 300}",
      "active": 0,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "notes": "Expired seasonal promo."
    }
  ],
  "row_count": 1,
  "truncated": false
}

Good news — I found something you're not currently getting. Here's the full picture:

Already applied to your policies (auto + home):

Safe Driver (auto, 12% off)
Multi-Line/Bundle discount (15% off both)
Paperless (‑$25 each)
Autopay (3% off)
PineRewards Loyalty (5% off, Timber tier)
Paid-in-Full (7% off) — currently only on auto, since home is on an installment plan

Promotions I checked:

PINEBUNDLE (Pine Bundle Boost) — 10% off, for households with 2+ active lines (you qualify with auto+home), active through 2026, stacks fine with your Multi-Line and Loyalty discounts. This one is not currently applied to either policy — you're eligible and could add it now.
WELCOME15 — new-customer-only, first policy. You don't qualify (existing customer, multiple policies).
COASTALSHIELD — Southeast-region only; you're in the Midwest, so not eligible.
SPRINGSAVE25 — expired/inactive, not usable despite the printed date window.
GREENSTART — technically valid but its underlying rate rider was retired, so it nets a $0 benefit. I won't apply this — it wouldn't actually save you anything.

One other option: if you switched your home policy from installments to pay-in-full, you'd pick up the 7% Paid-in-Full discount there too (like your auto policy already has), though that means paying the annual premium upfront instead of in installments.

Would you like me to:

Apply the PINEBUNDLE promo to your auto and/or home policy, and
Switch home billing to pay-in-full for that extra discount?

Let me know which you'd like and I'll make the changes and reprice.

99k in · 3,232 out · $0.07 · 45.8s

Customer

Wow, okay — thank you for breaking all that down. So the PINEBUNDLE is the one thing I'm not getting yet, and that's 10% off both policies?

Agent

Yes, that's right — PINEBUNDLE gives 10% off, and since your household has 2+ active lines (auto + home), you qualify for it on both. A couple of details on the fine print:

It stacks fine with your existing Multi-Line and Loyalty discounts.
There's a cap of $500 max benefit per policy, and each policy's premium needs to be above $250 (yours both are, easily), so you should see the full 10% benefit on each.

Since promos attach per-policy, I'd apply it separately to your auto policy and your home policy, then reprice both so you see the exact new dollar amounts. Want me to go ahead and apply it to both?

21k in · 338 out · $0.01 · 5.2s

Customer

No, not today — I just wanted the numbers. I need to talk it over with my husband first before we make any changes. But this is really helpful to know. So just to confirm: if we decide to go with it, we'd save 10% on both auto and home with the PINEBUNDLE, right?

Agent

That's correct — 10% off the current premium on both your auto and home policies, applied on top of the discounts you already have. Just whenever you two decide, reach back out and I'll get it applied and give you the exact new dollar figures for each policy.

Anything else I can help with today?

22k in · 88 out · $0.0060 · 2.3s

Customer

No, that's perfect. Thank you so much for walking me through all of that — I really appreciate it. I'll talk to my husband and we'll get back to you if we want to move forward. Have a great day!

Agent

⚙ end_conversation()

{}

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

Take care!

44k in · 95 out · $0.01 · 3.3s