life-freelook-rights

{
  "sql": "SELECT p.policy_id, p.line, p.status, p.effective_date, p.final_premium_cents \nFROM policies p \nJOIN customers c ON p.cust_id = c.cust_id \nWHERE c.first_name || ' ' || c.last_name = 'Customer' -- Need to identify the customer. Wait, I should ask for their name/ID first? \n-- Actually, I have no context of the customer yet.\n"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT c.first_name, c.last_name, c.cust_id \nFROM customers c \nWHERE c.cust_id = 'CUST-1001' -- Wait, I don't have a cust_id. Let me ask the customer for their details.\n"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT cust_id, first_name, last_name FROM customers WHERE first_name = 'Eleanor' AND last_name = 'Whitmore'"
}

{
  "rows": [
    {
      "cust_id": "CUST-life-suitable",
      "first_name": "Eleanor",
      "last_name": "Whitmore"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.line, p.status, p.effective_date \nFROM policies p \nWHERE p.cust_id = 'CUST-life-suitable' AND p.line LIKE 'LIFE%'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-suitable-p_life",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-05-20"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "free look period life policy cancellation"
}

{
  "results": [
    {
      "doc_id": "KB-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\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,…"
    },
    {
      "doc_id": "KB-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_W\"]}",
      "snippet": "Before binding whole life, disclose and record: (1) **surrender charges** apply for\nthe first several policy years and reduce early cash value; (2) cash value accrues\nslowly and may be borrowed against, reducing the death benefit; (3) whole…"
    },
    {
      "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-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-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-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-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…"
    }
  ]
}

{
  "sql": "SELECT disclosure_id, acknowledged, delivered_at \nFROM disclosure_deliveries \nWHERE policy_id = 'POL-life-suitable-p_life'"
}

{
  "rows": [
    {
      "disclosure_id": "DISC-LIFEW-FREELOOK",
      "acknowledged": 1,
      "delivered_at": "2025-05-20"
    },
    {
      "disclosure_id": "DISC-LIFEW-SURRENDER",
      "acknowledged": 1,
      "delivered_at": "2025-05-20"
    },
    {
      "disclosure_id": "DISC-LIFEW-NOTINVEST",
      "acknowledged": 1,
      "delivered_at": "2025-05-20"
    },
    {
      "disclosure_id": "DISC-LIFEW-CASHVALUE",
      "acknowledged": 1,
      "delivered_at": "2025-05-20"
    }
  ],
  "row_count": 4,
  "truncated": false
}

{}

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