retention-downgrade-execute
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-retention-target-p_auto"
},
"fields": {
"tier_id": [
"AUTO:PINE",
"AUTO:SAPLING"
],
"base_premium_cents": [
106648,
88550
],
"final_premium_cents": [
91350,
75424
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep executed the downgrade the customer asked for: (1) moved the policy to the Sapling tier on this call — telling her Sapling is unavailable, not allowed in Arizona, or blocked for her is a fail (no such restriction exists for AZ; the Sapling DENY rules cover other states); (2) repriced so the stored premium is the real Sapling figure and told her the honest new number (about $754.24/yr — small rounding or nearby phrasing is fine); and (3) respected her instruction to keep her coverage limits — removing or reducing coverages is a fail. Retention attempts (explaining what Pine offers, confirming she's sure) are fine service as long as the rep ultimately executes; refusing or deflecting to another team is a fail. The rep is NOT required to recite eligibility checks — the executed change with correct figures is the evidence.
Passedcustomer: Tanya Brooks · 9 turns · 67s · $0.11 · 239k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep confirmed Sapling was available in AZ, executed the tier switch, kept coverage limits unchanged as requested, and quoted the correct final premium of $754.24/yr.
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'd like to switch my auto policy down to your Sapling tier — I'm currently on Pine and I'm looking to lower my premium. Can we make that change today?
Agent
8,779 in · 43 out · $0.0025 · 3.1sI can help with that. Could you give me your customer ID or policy number (and your name, for verification) so I can pull up your auto policy?
Customer
Sure — I'm Tanya Brooks. My email on file is tanya.brooks@example.com. I don't have my policy number handy, but you should be able to find me with that info.
Agent
125k in · 3,004 out · $0.07 · 43.6s⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, dob FROM customers WHERE…)
{
"sql": "SELECT cust_id, first_name, last_name, email, phone, dob FROM customers WHERE lower(email) = 'tanya.brooks@example.com'"
}{
"rows": [
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"email": "tanya.brooks@example.com",
"phone": null,
"dob": "1990-09-14"
}
],
"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 FROM policies WHERE cust_id = 'CUST-retention-target' AND line = 'AUTO'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"base_premium_cents": 106648,
"final_premium_cents": 91350
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers…)
{
"sql": "SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers WHERE line='AUTO'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:PINE",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:EVERGREEN",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:SEQUOIA",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:HERITAGE",
"code": "HERITAGE",
"label": "Heritage",
"position": 0,
"sellable": 0,
"retired_on": "2009-07-01",
"notes": "Retired 2009. Has a coverage combo no current tier offers; cannot be re-bound once dropped (downgrade trap)."
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING')
{
"sql": "SELECT * FROM eligibility_rules WHERE line='AUTO' AND tier_id='AUTO:SAPLING'"
}{
"rows": [
{
"rule_id": "ELIG-NY-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NY",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NY minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
},
{
"rule_id": "ELIG-NJ-AUTO-SAPLING",
"line": "AUTO",
"tier_id": "AUTO:SAPLING",
"coverage_id": null,
"state": "NJ",
"effect": "DENY",
"condition": null,
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-NE-MIN-LIMITS",
"notes": "NJ minimum BI/PD exceeds Sapling limits -> Sapling auto ineligible."
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT a.state, a.region FROM customers c JOIN addresses a ON c.address_id = …)
{
"sql": "SELECT a.state, a.region FROM customers c JOIN addresses a ON c.address_id = a.address_id WHERE c.cust_id = 'CUST-retention-target'"
}{
"rows": [
{
"state": "AZ",
"region": "R-SW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, c.label, c.ki…)
{
"sql": "SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, c.label, c.kind\nFROM policy_coverages pc JOIN coverages c ON pc.coverage_id = c.coverage_id\nWHERE pc.policy_id = 'POL-retention-target-p_auto'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"value": "5000000/10000000",
"premium_contribution_cents": null,
"label": "Bodily Injury Liability",
"kind": "limit"
},
{
"coverage_id": "AUTO:COLL",
"value": "100000",
"premium_contribution_cents": null,
"label": "Collision",
"kind": "deductible"
},
{
"coverage_id": "AUTO:COMP",
"value": "50000",
"premium_contribution_cents": null,
"label": "Comprehensive",
"kind": "deductible"
},
{
"coverage_id": "AUTO:PD",
"value": "5000000",
"premium_contribution_cents": null,
"label": "Property Damage Liability",
"kind": "limit"
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable, c.labe…)
{
"sql": "SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable, c.label\nFROM tier_coverage_defaults tcd JOIN coverages c ON tcd.coverage_id = c.coverage_id\nWHERE tcd.tier_id = 'AUTO:SAPLING'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "2500000/5000000",
"editable": 1,
"label": "Bodily Injury Liability"
},
{
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1,
"label": "Collision"
},
{
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "100000",
"editable": 1,
"label": "Comprehensive"
},
{
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"label": "Loan/Lease Gap"
},
{
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0,
"label": "Medical Payments"
},
{
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"label": "OEM Parts Guarantee"
},
{
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "2500000",
"editable": 1,
"label": "Property Damage Liability"
},
{
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0,
"label": "Rental Reimbursement"
},
{
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"label": "Roadside Assistance"
},
{
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "2500000/5000000",
"editable": 1,
"label": "Uninsured/Underinsured Motorist"
}
],
"row_count": 10,
"truncated": false
}⚙ query_db(SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable, c.labe…)
{
"sql": "SELECT tcd.coverage_id, tcd.included, tcd.default_value, tcd.editable, c.label\nFROM tier_coverage_defaults tcd JOIN coverages c ON tcd.coverage_id = c.coverage_id\nWHERE tcd.tier_id = 'AUTO:PINE'"
}{
"rows": [
{
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1,
"label": "Bodily Injury Liability"
},
{
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1,
"label": "Collision"
},
{
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1,
"label": "Comprehensive"
},
{
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"label": "Loan/Lease Gap"
},
{
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0,
"label": "Medical Payments"
},
{
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"label": "OEM Parts Guarantee"
},
{
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1,
"label": "Property Damage Liability"
},
{
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0,
"label": "Rental Reimbursement"
},
{
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"label": "Roadside Assistance"
},
{
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "5000000/10000000",
"editable": 1,
"label": "Uninsured/Underinsured Motorist"
}
],
"row_count": 10,
"truncated": false
}⚙ search_kb(tier downgrade change_tier coverage values)
{
"query": "tier downgrade change_tier coverage values"
}{
"results": [
{
"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-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-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-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-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,…"
}
]
}⚙ search_kb(Sapling tier auto eligibility)
{
"query": "Sapling tier auto eligibility"
}{
"results": [
{
"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-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-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-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
},
{
"doc_id": "KB-AUTO-GAP",
"title": "GAP coverage eligibility",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
}
]
}⚙ query_db(SELECT policy_id, line, tier_id, status, underlying_policy_id FROM policies W…)
{
"sql": "SELECT policy_id, line, tier_id, status, underlying_policy_id FROM policies WHERE cust_id='CUST-retention-target'"
}{
"rows": [
{
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "ACTIVE",
"underlying_policy_id": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rating_inputs, premium_breakdown FROM policies WHERE policy_id='POL-re…)
{
"sql": "SELECT rating_inputs, premium_breakdown FROM policies WHERE policy_id='POL-retention-target-p_auto'"
}{
"rows": [
{
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"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\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 106648}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 93850}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91350}]"
}
],
"row_count": 1,
"truncated": false
}I found your auto policy (POL-retention-target-p_auto), currently on the Pine tier, active in Arizona. Good news — Sapling is sellable in AZ (it's blocked in NY/NJ, but that doesn't apply to you), so this move is possible.
One thing to flag before I make the change: switching tiers itself doesn't change your actual coverage limits — those are stored separately on the policy. Right now you're carrying:
- Bodily Injury: $5,000,000/$10,000,000
- Property Damage: $5,000,000
- Collision deductible: $1,000
- Comprehensive deductible: $500
Sapling's default limits are lower (BI $2,500,000/$5,000,000, PD $2,500,000, Comprehensive deductible $1,000), but if I just move you to the Sapling tier and leave your coverages untouched, you'd keep your current higher limits — you'd get Sapling's base rate factor but not necessarily the full Sapling-tier savings, since the higher limits still cost more to insure.
Would you like me to:
- Just switch tiers and leave your current coverage limits as-is, or
- Switch tiers and also reduce your limits to Sapling's standard defaults for the biggest premium reduction?
Either way I'll reprice afterward and tell you the exact new premium before anything is final.
Customer
I appreciate you laying that out. I want to keep my coverage limits exactly as they are — no changes there. Just move me to the Sapling tier with my current limits. Let's do that and see what the new premium is.
Agent
60k in · 350 out · $0.02 · 8.0s⚙ change_tier(POL-retention-target-p_auto, SAPLING)
{
"policy_id": "POL-retention-target-p_auto",
"tier": "SAPLING"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-retention-target-p_auto"
},
"fields": {
"tier_id": [
"AUTO:PINE",
"AUTO:SAPLING"
]
}
}
]
}
},
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-retention-target-p_auto)
{
"policy_id": "POL-retention-target-p_auto"
}{
"ok": true,
"as_of": "2025-05-01",
"base_premium_cents": 88550,
"final_premium_cents": 75424,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:SAPLING",
"detail": "tier factor ×0.82",
"factor": 0.82,
"amount_cents": null,
"running_cents": 73800
},
{
"step": "BASE",
"code": "region:R-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 82656
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=34 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 86789
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=730 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 86789
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=11000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 86789
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 86789
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 82450
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 84950
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 88550
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 77924
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 75424
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-retention-target-p_auto"
},
"fields": {
"base_premium_cents": [
106648,
88550
],
"final_premium_cents": [
91350,
75424
],
"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\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 106648}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 93850}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91350}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:SAPLING\", \"detail\": \"tier factor \\u00d70.82\", \"factor\": 0.82, \"amount_cents\": null, \"running_cents\": 73800}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 82656}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 86789}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 86789}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 86789}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 86789}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 82450}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 84950}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 88550}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 77924}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 75424}]"
]
}
}
]
}
}
}Done! Your auto policy is now on the Sapling tier with all your coverage limits unchanged (BI $5M/$10M, PD $5M, Collision $1,000 ded., Comprehensive $500 ded.).
New premium:
- Base premium: $885.50
- Final premium: $754.24 (down from $913.50)
That's about a $159/month savings — the Sapling tier factor (0.82x vs Pine's 1.0x) dropped your rate, and your existing discounts (Safe Driver 12%, Paperless $25) still applied. Anything else I can help with?
Customer
That's great — thank you! I'm happy with that savings. No, that's all I needed. I appreciate your help!
Agent
45k in · 79 out · $0.01 · 3.6s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Take care!