ny-sapling-floor-quote
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 determined that the Sapling auto tier is not sellable in New York — the state's minimum required liability limits exceed Sapling's — and therefore did NOT quote, offer, or begin signing the customer up for Sapling. A pass requires explaining the reason (NY minimum limits) in some form and identifying Pine as the lowest tier actually available to him; giving an actual Pine price is welcome but not required for a pass. Producing a Sapling quote or price for him, telling him he can have Sapling, or offering to enroll him in it is a fail — even if hedged — because the combination is barred by state rule. Telling him nothing is available to him, or refusing to help with a quote at all, is also a fail: the correct floor is Pine, not a refusal.
Passedcustomer: Miguel Santana · 11 turns · 151s · $0.70 · 1150k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that NY minimum liability limits exceed Sapling's limits, declined to quote Sapling, and instead offered Pine as the lowest available tier with an actual price, fully satisfying the rubric.
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 looking to get a quote on your Sapling plan for my 2015 Honda Fit. I've been checking out your website and that's the plan I'm interested in.
Agent
12k in · 498 out · $0.01 · 4.0s⚙ search_kb(Sapling)
{
"query": "Sapling"
}{
"results": [
{
"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-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"
}
]
}⚙ query_db(SELECT * FROM tiers WHERE code = 'SAPLING' OR label LIKE '%Sapling%')
{
"sql": "SELECT * FROM tiers WHERE code = 'SAPLING' OR label LIKE '%Sapling%'"
}{
"rows": [
{
"tier_id": "AUTO:SAPLING",
"line": "AUTO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "HOME:SAPLING",
"line": "HOME",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "RENT:SAPLING",
"line": "RENT",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "CONDO:SAPLING",
"line": "CONDO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "PET:SAPLING",
"line": "PET",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "HLTH:SAPLING",
"line": "HLTH",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "TRVL:SAPLING",
"line": "TRVL",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 7,
"truncated": false
}To get started, are you an existing PEICO customer? If so, could you please share your name, email, or customer ID so I can find your profile?
If you're new to PEICO, I'd be happy to set up a new quote for you! In that case, I will need a few details about you (like your name, date of birth, and address) so we can look up eligibility and run an accurate quote for your 2015 Honda Fit.
Customer
I'm new to PEICO, so yeah, happy to give you what you need. I'm Miguel Santana, born February 11, 1997, and I'm at 412 Elmwood Ave Apt 3, Buffalo, NY 14222.
Agent
457k in · 8,124 out · $0.39 · 78.7s⚙ query_db(SELECT * FROM addresses WHERE line1 LIKE '%412 Elmwood%' OR zip = '14222')
{
"sql": "SELECT * FROM addresses WHERE line1 LIKE '%412 Elmwood%' OR zip = '14222'"
}{
"rows": [
{
"address_id": "ADDR-ny-prospect",
"line1": "412 Elmwood Ave Apt 3",
"city": "Buffalo",
"state": "NY",
"zip": "14222",
"region": "R-NE"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM customers WHERE last_name = 'Santana' OR email LIKE '%santana%'…)
{
"sql": "SELECT * FROM customers WHERE last_name = 'Santana' OR email LIKE '%santana%' OR address_id = 'ADDR-ny-prospect'"
}{
"rows": [
{
"cust_id": "CUST-ny-prospect",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "PROSPECT",
"first_name": "Miguel",
"last_name": "Santana",
"dob": "1997-02-11",
"email": "miguel.santana@example.com",
"phone": null,
"address_id": "ADDR-ny-prospect",
"peico_risk": 680,
"risk_components": null,
"tenure_start": null,
"loyalty_tier": "Seedling",
"loyalty_points": 0,
"created_at": null
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-NE-MIN-LIMITS)
{
"doc_id": "KB-NE-MIN-LIMITS"
}{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"body_md": "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"
}⚙ query_db(SELECT * FROM eligibility_rules WHERE line = 'AUTO' AND (state = 'NY' OR stat…)
{
"sql": "SELECT * FROM eligibility_rules WHERE line = 'AUTO' AND (state = 'NY' OR state IS NULL)"
}{
"rows": [
{
"rule_id": "ELIG-AUTO-GAP-FINANCED",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:GAP",
"state": null,
"effect": "GATE",
"condition": "vehicle_financed",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-GAP",
"notes": "GAP eligible only when the vehicle is financed/leased."
},
{
"rule_id": "ELIG-AUTO-OEM-SEQUOIA",
"line": "AUTO",
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"state": null,
"effect": "GATE",
"condition": "tier_is_sequoia",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "OEM parts guarantee is Sequoia-only on sellable tiers."
},
{
"rule_id": "ELIG-AUTO-MED-EVERGREEN",
"line": "AUTO",
"tier_id": null,
"coverage_id": "AUTO:MED",
"state": null,
"effect": "GATE",
"condition": "tier_position_gte_evergreen",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-AUTO-TIERS",
"notes": "Medical Payments available Evergreen and above."
},
{
"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."
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT * FROM tiers WHERE line = 'AUTO' ORDER BY position)
{
"sql": "SELECT * FROM tiers WHERE line = 'AUTO' ORDER BY position"
}{
"rows": [
{
"tier_id": "AUTO:HERITAGE",
"line": "AUTO",
"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)."
},
{
"tier_id": "AUTO:SAPLING",
"line": "AUTO",
"code": "SAPLING",
"label": "Sapling",
"position": 1,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:PINE",
"line": "AUTO",
"code": "PINE",
"label": "Pine",
"position": 2,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:EVERGREEN",
"line": "AUTO",
"code": "EVERGREEN",
"label": "Evergreen",
"position": 3,
"sellable": 1,
"retired_on": null,
"notes": null
},
{
"tier_id": "AUTO:SEQUOIA",
"line": "AUTO",
"code": "SEQUOIA",
"label": "Sequoia",
"position": 4,
"sellable": 1,
"retired_on": null,
"notes": null
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT tcd.*, c.code, c.label, c.kind, c.unit FROM tier_coverage_defaults tcd…)
{
"sql": "SELECT tcd.*, c.code, c.label, c.kind, c.unit FROM tier_coverage_defaults tcd JOIN coverages c ON tcd.coverage_id = c.coverage_id WHERE tcd.tier_id LIKE 'AUTO:%' ORDER BY tcd.tier_id, tcd.coverage_id"
}{
"rows": [
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "10000000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "90000",
"editable": 1,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:EVERGREEN",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "50000",
"editable": 1,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "500000",
"editable": 1,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:OEM",
"included": 1,
"default_value": "true",
"editable": 1,
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "90000",
"editable": 1,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:ROAD",
"included": 1,
"default_value": "true",
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:HERITAGE",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "10000000/30000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "5000000/10000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "50000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "5000000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:PINE",
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "5000000/10000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "2500000/5000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "100000",
"editable": 1,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "100000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:MED",
"included": 0,
"default_value": null,
"editable": 0,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:OEM",
"included": 0,
"default_value": null,
"editable": 0,
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "2500000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:RENT_REIMB",
"included": 0,
"default_value": null,
"editable": 0,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:ROAD",
"included": 0,
"default_value": null,
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SAPLING",
"coverage_id": "AUTO:UMUIM",
"included": 0,
"default_value": "2500000/5000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:BI",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1,
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:COLL",
"included": 1,
"default_value": "25000",
"editable": 1,
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:COMP",
"included": 1,
"default_value": "10000",
"editable": 1,
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:GAP",
"included": 0,
"default_value": null,
"editable": 1,
"code": "GAP",
"label": "Loan/Lease Gap",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:MED",
"included": 1,
"default_value": "1000000",
"editable": 1,
"code": "MED",
"label": "Medical Payments",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:OEM",
"included": 1,
"default_value": "true",
"editable": 1,
"code": "OEM",
"label": "OEM Parts Guarantee",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:PD",
"included": 1,
"default_value": "25000000",
"editable": 1,
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:RENT_REIMB",
"included": 1,
"default_value": "150000",
"editable": 1,
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"kind": "limit",
"unit": "usd"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:ROAD",
"included": 1,
"default_value": "true",
"editable": 1,
"code": "ROAD",
"label": "Roadside Assistance",
"kind": "flag",
"unit": "bool"
},
{
"tier_id": "AUTO:SEQUOIA",
"coverage_id": "AUTO:UMUIM",
"included": 1,
"default_value": "25000000/50000000",
"editable": 1,
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"kind": "limit",
"unit": "usd_split"
}
],
"row_count": 49,
"truncated": false
}⚙ query_db(SELECT * FROM vehicles WHERE cust_id = 'CUST-ny-prospect')
{
"sql": "SELECT * FROM vehicles WHERE cust_id = 'CUST-ny-prospect'"
}{
"rows": [
{
"vehicle_id": "VEH-ny-prospect-v1",
"cust_id": "CUST-ny-prospect",
"year": 2015,
"make": "Honda",
"model": "Fit",
"vin": "3HGGK5H85FM701442",
"usage": "COMMUTE",
"annual_miles": 9000,
"financed": 0,
"garaging_address_id": "ADDR-ny-prospect"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-ny-prospect')
{
"sql": "SELECT * FROM policies WHERE cust_id = 'CUST-ny-prospect'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ search_kb(auto pricing rating quote)
{
"query": "auto pricing rating quote"
}{
"results": [
{
"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-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-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-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-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-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"
}
]
}⚙ query_db(SELECT line, tier_id, rating_inputs, premium_breakdown FROM policies LIMIT 5)
{
"sql": "SELECT line, tier_id, rating_inputs, premium_breakdown FROM policies LIMIT 5"
}{
"rows": [
{
"line": "AUTO",
"tier_id": "AUTO:PINE",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"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-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}]"
},
{
"line": "HOME",
"tier_id": "HOME:EVERGREEN",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"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}]"
},
{
"line": "AUTO",
"tier_id": "AUTO:HERITAGE",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": false}, \"incidents_5yr\": 1, \"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:HERITAGE\", \"detail\": \"tier factor \\u00d71.35\", \"factor\": 1.35, \"amount_cents\": null, \"running_cents\": 121500}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 121500}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=67 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=731 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=8000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=9 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=1 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 172044}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 176544}, {\"step\": \"COVERAGE\", \"code\": \"OEM\", \"detail\": \"+ OEM $40\", \"factor\": null, \"amount_cents\": 4000, \"running_cents\": 180544}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 183544}, {\"step\": \"COVERAGE\", \"code\": \"ROAD\", \"detail\": \"+ ROAD $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 186044}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 197044}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 199544}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 185576}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 176297}]"
},
{
"line": "AUTO",
"tier_id": "AUTO:EVERGREEN",
"rating_inputs": "{\"billing\": {\"plan\": \"AUTOPAY_MONTHLY\", \"autopay\": true, \"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:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-W\", \"detail\": \"region factor \\u00d71.25\", \"factor\": 1.25, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=36 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=699 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=10000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 158400}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 150480}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 154980}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 157980}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 168980}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 171480}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 175080}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 154070}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 151570}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 147023}]"
},
{
"line": "HOME",
"tier_id": "HOME:SEQUOIA",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $520,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 218400}, {\"step\": \"BASE\", \"code\": \"tier:SEQUOIA\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 338520}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=715 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.01 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 562573}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 568073}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 570573}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 574173}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 571673}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 554523}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 526797}]"
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT * FROM household_members WHERE cust_id = 'CUST-ny-prospect')
{
"sql": "SELECT * FROM household_members WHERE cust_id = 'CUST-ny-prospect'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT risk_components FROM customers WHERE cust_id = 'CUST-ny-prospect')
{
"sql": "SELECT risk_components FROM customers WHERE cust_id = 'CUST-ny-prospect'"
}{
"rows": [
{
"risk_components": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT * FROM claims WHERE policy_id IN (SELECT policy_id FROM policies WHERE…)
{
"sql": "SELECT * FROM claims WHERE policy_id IN (SELECT policy_id FROM policies WHERE cust_id = 'CUST-ny-prospect')"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM rate_tables WHERE line = 'AUTO' AND region = 'R-NE')
{
"sql": "SELECT * FROM rate_tables WHERE line = 'AUTO' AND region = 'R-NE'"
}{
"rows": [
{
"rate_table_id": "AUTO:R-NE:2025.1",
"line": "AUTO",
"region": "R-NE",
"version": "2025.1",
"effective_start": "2025-01-01",
"effective_end": "2026-12-31",
"payload": "{\"unit\": \"per_vehicle\", \"base_rate\": 900, \"tier_factors\": {\"SAPLING\": 0.82, \"PINE\": 1.0, \"EVERGREEN\": 1.28, \"SEQUOIA\": 1.65, \"HERITAGE\": 1.35}, \"factors\": {\"driver_age\": [{\"max\": 20, \"f\": 1.85}, {\"max\": 25, \"f\": 1.45}, {\"max\": 35, \"f\": 1.05}, {\"max\": 65, \"f\": 1.0}, {\"max\": 999, \"f\": 1.18}], \"risk_score\": [{\"max\": 579, \"f\": 1.55}, {\"max\": 669, \"f\": 1.22}, {\"max\": 739, \"f\": 1.0}, {\"max\": 850, \"f\": 0.84}], \"annual_miles\": [{\"max\": 7500, \"f\": 0.92}, {\"max\": 15000, \"f\": 1.0}, {\"max\": 999999, \"f\": 1.2}], \"vehicle_age\": [{\"max\": 3, \"f\": 1.1}, {\"max\": 10, \"f\": 1.0}, {\"max\": 99, \"f\": 0.92}], \"incidents_5yr\": [{\"max\": 0, \"f\": 0.95}, {\"max\": 1, \"f\": 1.2}, {\"max\": 2, \"f\": 1.55}, {\"max\": 99, \"f\": 2.1}]}, \"coverage_premiums\": {\"UMUIM\": 110, \"MED\": 45, \"RENT_REIMB\": 30, \"ROAD\": 25, \"GAP\": 60, \"OEM\": 40}, \"prohibited_factors_by_state\": {\"CA\": [\"risk_credit_component\", \"gender\"]}, \"line\": \"AUTO\", \"region\": \"R-NE\", \"region_factor\": 1.3, \"version\": \"2025.1\", \"money_unit\": \"usd\"}"
}
],
"row_count": 1,
"truncated": false
}⚙ quote({"peico_risk":680,"region":"R-NE","coverages":["BI","COLL","COMP","PD"],"driv…)
{
"facts": {
"peico_risk": 680,
"region": "R-NE",
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"driver_age": 28,
"state": "NY",
"line": "AUTO",
"incidents_5yr": 0,
"vehicle_age": 10,
"tier": "PINE",
"annual_miles": 9000
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 104903,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
}
]
}⚙ 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
}⚙ quote(2025-06-01, {"incidents_5yr":0,"vehicle_age":10,"billing":{"paperless":true,"…)
{
"as_of": "2025-06-01",
"facts": {
"incidents_5yr": 0,
"vehicle_age": 10,
"billing": {
"paperless": true,
"autopay": true,
"plan": "PAY_IN_FULL"
},
"line": "AUTO",
"peico_risk": 680,
"tier": "PINE",
"region": "R-NE",
"state": "NY",
"driver_age": 28,
"annual_miles": 9000,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
]
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 104903,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
}
]
}⚙ search_kb(PAPERLESS)
{
"query": "PAPERLESS"
}{
"results": []
}⚙ search_kb(discounts)
{
"query": "discounts"
}{
"results": []
}⚙ quote({"driver_age":28,"contact":{"paperless":true},"region":"R-NE","tier":"PINE","…)
{
"facts": {
"driver_age": 28,
"contact": {
"paperless": true
},
"region": "R-NE",
"tier": "PINE",
"vehicle_age": 10,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"state": "NY",
"peico_risk": 680,
"billing": {
"autopay": true,
"plan": "PAY_IN_FULL"
},
"annual_miles": 9000,
"line": "AUTO",
"incidents_5yr": 0
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 104903,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
}
]
}⚙ quote(2025-06-01, {"state":"NY","driver_age":28,"tier":"PINE","region":"R-NE","auto…)
{
"as_of": "2025-06-01",
"facts": {
"state": "NY",
"driver_age": 28,
"tier": "PINE",
"region": "R-NE",
"autopay": true,
"annual_miles": 9000,
"vehicle_age": 10,
"peico_risk": 680,
"billing_plan": "PAY_IN_FULL",
"line": "AUTO",
"paperless": true,
"incidents_5yr": 0,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
]
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 92208,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 97560
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 95060
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 92208
}
]
}⚙ quote(2025-06-01, {"state":"NY","billing_plan":"INSTALLMENTS","peico_risk":680,"reg…)
{
"as_of": "2025-06-01",
"facts": {
"state": "NY",
"billing_plan": "INSTALLMENTS",
"peico_risk": 680,
"region": "R-NE",
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"driver_age": 28,
"annual_miles": 9000,
"paperless": true,
"incidents_5yr": 0,
"autopay": true,
"vehicle_age": 10,
"line": "AUTO",
"tier": "PINE"
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 122808,
"final_premium_cents": 102404,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 122808
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 108071
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 105571
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 102404
}
]
}⚙ quote({"line":"AUTO","tier":"PINE","peico_risk":680,"region":"R-NE","coverages":["B…)
{
"facts": {
"line": "AUTO",
"tier": "PINE",
"peico_risk": 680,
"region": "R-NE",
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"paperless": false,
"incidents_5yr": 0,
"autopay": false,
"annual_miles": 9000,
"vehicle_age": 10,
"state": "NY",
"billing_plan": "PAY_IN_FULL",
"driver_age": 28
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 97560,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 97560
}
]
}⚙ quote(2025-06-01, {"annual_miles":9000,"driver_age":28,"region":"R-NE","coverages":…)
{
"as_of": "2025-06-01",
"facts": {
"annual_miles": 9000,
"driver_age": 28,
"region": "R-NE",
"coverages": [
"BI",
"COLL",
"COMP",
"PD",
"MED",
"RENT_REIMB",
"UMUIM"
],
"tier": "EVERGREEN",
"incidents_5yr": 0,
"state": "NY",
"paperless": true,
"vehicle_age": 10,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"line": "AUTO",
"peico_risk": 680
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 170386,
"final_premium_cents": 132836,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.28",
"factor": 1.28,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "BASE",
"code": "region:R-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 149760
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 157248
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 157248
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 157248
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 157248
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 149386
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 153886
},
{
"step": "COVERAGE",
"code": "RENT_REIMB",
"detail": "+ RENT_REIMB $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 156886
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 167886
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 170386
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 149940
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 139444
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 136944
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 132836
}
]
}Hi Miguel! I found your profile in our system. Welcome to PEICO!
I'd be happy to help you with that quote for your 2015 Honda Fit. However, I have an important compliance detail regarding the Sapling tier you mentioned:
Under New York State insurance regulations, the mandatory minimum liability limits for auto insurance exceed the limits bundled into our Sapling plan. Because of this, the Sapling tier is not sellable for auto insurance in New York.
To make sure you are fully compliant with New York state law, the entry-level plan we can offer you is the Pine plan. The Pine plan actually offers twice the liability protection of the Sapling plan. Here is how they compare:
- Bodily Injury Liability (BI): Pine provides $50,000 per person / $100,000 per accident (Sapling only offers $25,000 / $50,000).
- Property Damage Liability (PD): Pine provides $50,000 (Sapling only offers $25,000).
- Collision Deductible: $1,000
- Comprehensive Deductible: $500
To give you an accurate price, I ran a quote based on your profile risk rating and your 2015 Honda Fit (which has an estimated annual mileage of 9,000 miles). I also assumed 0 driving incidents (tickets, violations, or accidents) in the last 5 years, which qualifies you for our 12% Safe Driver Discount. Could you confirm if that is correct?
Assuming you have a clean 5-year driving record, here are your options for the Pine plan:
- Paid in Full (Best Value): If you pay the 6-month premium in full and enroll in Paperless Billing and Autopay, your total is $922.08 (includes a 7% Paid-In-Full discount, a $25 Paperless discount, and a 3% Autopay discount).
- Installments: If you prefer to pay in installments with Paperless Billing and Autopay enabled, your premium is $1,024.04 (due to a standard installment surcharge and the loss of the pay-in-full discount).
- Paid in Full (No Paperless/Autopay): If you pay in full but opt out of paperless/autopay, your total is $975.60.
Would you like me to look into binding this Pine plan for you, or would you also be interested in comparing this with our Evergreen tier (which adds Medical Payments, Rental Reimbursement, and Uninsured/Underinsured Motorist coverage by default for $1,328.36 paid-in-full)?
Customer
I appreciate you explaining that — I didn't realize New York had those higher minimums. That makes sense. So Pine is the cheapest option you can offer me then?
Agent
94k in · 703 out · $0.05 · 10.0s⚙ search_kb(bundles)
{
"query": "bundles"
}{
"results": []
}⚙ query_db(SELECT * FROM product_lines)
{
"sql": "SELECT * FROM product_lines"
}{
"rows": [
{
"line": "AUTO",
"label": "Auto",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "The flagship. Richest rating, most coverages."
},
{
"line": "HOME",
"label": "Homeowners",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Dwelling, structure, contents, liability (HO-3 style)."
},
{
"line": "RENT",
"label": "Renters",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Contents + liability, no dwelling (HO-4 style)."
},
{
"line": "CONDO",
"label": "Condo",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "HO-6 style; carves around the HOA master policy."
},
{
"line": "UMBR",
"label": "Personal Umbrella",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": "[\"AUTO\", \"HOME\"]",
"notes": "Cannot bind without an in-force underlying AUTO or HOME."
},
{
"line": "PET",
"label": "Pet",
"category": "P&C",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Accident & illness; fun, low-stakes line."
},
{
"line": "LIFE_T",
"label": "Term Life",
"category": "LIFE",
"parent_line": null,
"requires_suitability": 1,
"requires_underlying": null,
"notes": "Level term; suitability record required before bind."
},
{
"line": "LIFE_W",
"label": "Whole Life",
"category": "LIFE",
"parent_line": null,
"requires_suitability": 1,
"requires_underlying": null,
"notes": "Permanent; builds cash value. Mis-sale risk -> judge-flagged."
},
{
"line": "HLTH",
"label": "Supplemental Health",
"category": "HEALTH",
"parent_line": null,
"requires_suitability": 1,
"requires_underlying": null,
"notes": "Accident / critical-illness / hospital indemnity. Narrow on purpose."
},
{
"line": "TRVL",
"label": "Travel",
"category": "TRAVEL",
"parent_line": null,
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Per-trip and annual multi-trip."
},
{
"line": "MOTO",
"label": "Motorcycle",
"category": "P&C",
"parent_line": "AUTO",
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Some coverages unavailable in TX (legacy licensing quirk)."
},
{
"line": "RV",
"label": "Recreational Vehicle",
"category": "P&C",
"parent_line": "AUTO",
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Motorhome / travel-trailer; adds vacation-liability."
},
{
"line": "BOAT",
"label": "Boat & Watercraft",
"category": "P&C",
"parent_line": "AUTO",
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Hull + liability; lay-up season factor."
},
{
"line": "CLSC",
"label": "Classic / Collector Auto",
"category": "P&C",
"parent_line": "AUTO",
"requires_suitability": 0,
"requires_underlying": null,
"notes": "Agreed-value basis; limited mileage."
}
],
"row_count": 14,
"truncated": false
}Yes, that's exactly right. Because of those state-mandated minimums in New York, the Pine plan is indeed the most cost-effective auto insurance plan we can offer you.
Just to make sure we have everything completely accurate for this quote:
- Does your 5-year driving history have any tickets or accidents? (If it's completely clean, you are guaranteed that 12% Safe Driver Discount we included).
- If you're happy with this plan, we can get this quote set up and bound for you. Would you prefer to pay in full ($922.08) or in installments ($1,024.04)? Both of these options include the Autopay and Paperless Billing discounts!
Customer
Yeah, my driving record is clean — no tickets or accidents. Look, I appreciate the quote. That's helpful to know. But I'm not ready to buy anything today — I need to think it over. The Pine plan at $922 paid in full, that's what I'd be looking at if I go with you guys?
Agent
494k in · 3,716 out · $0.22 · 41.5s⚙ query_db(SELECT * FROM promotions WHERE active = 1 AND scope IN ('AUTO', 'ALL'))
{
"sql": "SELECT * FROM promotions WHERE active = 1 AND scope IN ('AUTO', 'ALL')"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM promotions)
{
"sql": "SELECT * FROM promotions"
}{
"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": "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."
},
{
"promo_code": "PETLOVE",
"label": "Pet Adoption Month",
"scope": "{\"lines\": [\"PET\"], \"regions\": \"ALL\", \"customer\": \"ANY\"}",
"window_start": "2025-10-01",
"window_end": "2025-10-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.2}",
"stacks_with": "[\"DISC-PAPERLESS\"]",
"caps": "{\"max_benefit_usd\": 60, \"min_premium_floor_usd\": 80}",
"active": 0,
"retired_rider": 0,
"doc_id": "KB-PROMO-PETLOVE",
"notes": null
},
{
"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": 6,
"truncated": false
}⚙ quote({"tier":"PINE","billing_plan":"PAY_IN_FULL","line":"AUTO","coverages":["BI","…)
{
"facts": {
"tier": "PINE",
"billing_plan": "PAY_IN_FULL",
"line": "AUTO",
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"annual_miles": 9000,
"vehicle_age": 10,
"incidents_5yr": 0,
"autopay": true,
"state": "NY",
"paperless": true,
"peico_risk": 680,
"promo_code": "WELCOME15",
"region": "R-NE",
"driver_age": 28
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 92208,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 97560
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 95060
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 92208
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "out of scope — no effect",
"factor": null,
"amount_cents": 0,
"running_cents": 92208
}
]
}⚙ get_doc(KB-PROMO-WELCOME15)
{
"doc_id": "KB-PROMO-WELCOME15"
}{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"body_md": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
}⚙ quote(2025-06-01, {"autopay":true,"tier":"PINE","region":"R-NE","line":"AUTO","vehi…)
{
"as_of": "2025-06-01",
"facts": {
"autopay": true,
"tier": "PINE",
"region": "R-NE",
"line": "AUTO",
"vehicle_age": 10,
"cust_id": "CUST-ny-prospect",
"billing_plan": "PAY_IN_FULL",
"peico_risk": 680,
"driver_age": 28,
"incidents_5yr": 0,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"promo_code": "WELCOME15",
"paperless": true,
"state": "NY",
"annual_miles": 9000
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 92208,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 97560
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 95060
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 92208
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "out of scope — no effect",
"factor": null,
"amount_cents": 0,
"running_cents": 92208
}
]
}⚙ search_kb(welcome promo scope)
{
"query": "welcome promo scope"
}{
"results": [
{
"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-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-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-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."
},
{
"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-COASTALSHIELD",
"title": "COASTALSHIELD terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
"snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}
]
}⚙ quote(2025-06-01, {"paperless":true,"autopay":true,"peico_risk":680,"new_customer":…)
{
"as_of": "2025-06-01",
"facts": {
"paperless": true,
"autopay": true,
"peico_risk": 680,
"new_customer": true,
"region": "R-NE",
"state": "NY",
"promo_code": "WELCOME15",
"annual_miles": 9000,
"is_new_customer": true,
"coverages": [
"BI",
"COLL",
"COMP",
"PD"
],
"is_first_policy": true,
"tier": "PINE",
"billing_plan": "PAY_IN_FULL",
"incidents_5yr": 0,
"vehicle_age": 10,
"line": "AUTO",
"driver_age": 28,
"first_policy": true
}
}{
"as_of": "2025-06-01",
"base_premium_cents": 119208,
"final_premium_cents": 92208,
"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-NE",
"detail": "region factor ×1.3",
"factor": 1.3,
"amount_cents": null,
"running_cents": 117000
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=28 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=680 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=9000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=10 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 122850
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 116708
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 119208
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 104903
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 97560
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 95060
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 92208
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "out of scope — no effect",
"factor": null,
"amount_cents": 0,
"running_cents": 92208
}
]
}⚙ query_db(SELECT DISTINCT status FROM customers)
{
"sql": "SELECT DISTINCT status FROM customers"
}{
"rows": [
{
"status": "PROSPECT"
},
{
"status": "CUSTOMER"
}
],
"row_count": 2,
"truncated": false
}⚙ query_db(SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM pol…)
{
"sql": "SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM policies WHERE premium_breakdown LIKE '%WELCOME15%' LIMIT 5"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM pol…)
{
"sql": "SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM policies WHERE rating_inputs LIKE '%promo%' OR premium_breakdown LIKE '%PROMO%' LIMIT 5"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"tier_id": "AUTO:PINE",
"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}]",
"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",
"cust_id": "CUST-nest-household",
"tier_id": "HOME:EVERGREEN",
"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}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"tier_id": "AUTO:HERITAGE",
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:HERITAGE\", \"detail\": \"tier factor \\u00d71.35\", \"factor\": 1.35, \"amount_cents\": null, \"running_cents\": 121500}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 121500}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=67 \\u00d71.18\", \"factor\": 1.18, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=731 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=8000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=9 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 143370}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=1 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 172044}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 176544}, {\"step\": \"COVERAGE\", \"code\": \"OEM\", \"detail\": \"+ OEM $40\", \"factor\": null, \"amount_cents\": 4000, \"running_cents\": 180544}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 183544}, {\"step\": \"COVERAGE\", \"code\": \"ROAD\", \"detail\": \"+ ROAD $25\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 186044}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 197044}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 199544}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 185576}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 176297}]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": false}, \"incidents_5yr\": 1, \"smoker\": false, \"promo_code\": null}"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"tier_id": "AUTO:EVERGREEN",
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-W\", \"detail\": \"region factor \\u00d71.25\", \"factor\": 1.25, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=36 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=699 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=10000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 144000}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 158400}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 150480}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 154980}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 157980}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 168980}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 171480}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 175080}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 154070}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 151570}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 147023}]",
"rating_inputs": "{\"billing\": {\"plan\": \"AUTOPAY_MONTHLY\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"tier_id": "HOME:SEQUOIA",
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $520,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 218400}, {\"step\": \"BASE\", \"code\": \"tier:SEQUOIA\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 338520}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=715 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.01 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 562573}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 568073}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 570573}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 574173}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 571673}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 554523}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 526797}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM pol…)
{
"sql": "SELECT policy_id, cust_id, tier_id, premium_breakdown, rating_inputs FROM policies WHERE rating_inputs LIKE '%\"promo_code\"%' AND rating_inputs NOT LIKE '%\"promo_code\": null%' LIMIT 5"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT * FROM customers WHERE status = 'PROSPECT')
{
"sql": "SELECT * FROM customers WHERE status = 'PROSPECT'"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "PROSPECT",
"first_name": "Aaron",
"last_name": "Halloway",
"dob": "1992-08-04",
"email": "aaron.halloway@example.com",
"phone": null,
"address_id": "ADDR-prospect-il-auto",
"peico_risk": 702,
"risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 0, \"points\": 0}, \"credit\": {\"value\": 705, \"points\": 2, \"weight\": 1, \"masked\": false, \"note\": null}}",
"tenure_start": null,
"loyalty_tier": null,
"loyalty_points": 0,
"created_at": "2025-06-01"
},
{
"cust_id": "CUST-ny-prospect",
"legacy_acct": null,
"legacy_mismatch": 0,
"status": "PROSPECT",
"first_name": "Miguel",
"last_name": "Santana",
"dob": "1997-02-11",
"email": "miguel.santana@example.com",
"phone": null,
"address_id": "ADDR-ny-prospect",
"peico_risk": 680,
"risk_components": null,
"tenure_start": null,
"loyalty_tier": "Seedling",
"loyalty_points": 0,
"created_at": null
}
],
"row_count": 2,
"truncated": false
}Yes, exactly! If you decide to go with PEICO, $922.08 is the exact price you would pay in full for a 6-month term on our compliant Pine plan.
This rate includes:
- A 12% Safe Driver Discount (for your clean driving record)
- A 7% Paid-In-Full Discount
- A $25 Paperless Billing Discount
- A 3% Autopay Discount
We would love to have you as a customer when you're ready! I completely understand wanting to take some time to think it over.
Since you are not ready to bind or purchase today, I won't save any formal policy in force on your profile just yet. Whenever you are ready to move forward, you can just reach back out to us and any representative can retrieve your profile (CUST-ny-prospect) and pull up these exact details for you.
Is there any other question I can answer for you today, or anything else about the coverages you'd like to check before you go?
Customer
No, that covers it. Thanks for walking me through everything and explaining the New York requirements — that was really helpful. I'll think it over and get back to you if I decide to move forward.
Agent
92k in · 180 out · $0.03 · 4.0s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You're very welcome, Miguel! It was a pleasure walking you through everything, and I'm glad I could help explain those New York state requirements for you.
Take all the time you need to think it over, and we'll be right here whenever you're ready to make a decision. Have a wonderful rest of your day, and thank you for choosing PEICO!