← Gemini 3.5 Flash (medium)

payinfull-switch-execute

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-retention-target-p_auto"
        },
        "fields": {
          "base_premium_cents": [
            106648,
            103048
          ],
          "final_premium_cents": [
            91350,
            81834
          ],
          "premium_breakdown": [
            "*",
            "*"
          ],
          "rating_inputs": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) gave engine-verified pricing for the switch: her new annual pay-in-full premium of about $818.34, and/or true savings of about $95 per year off her current $913.50 (small rounding or nearby phrasing is fine); and (2) actually executed the billing switch AND the reprice on this call and told her so. Quoting only the $36 installment-fee refund, or only "7% off" hand-math on her current bill (about $64), as her final savings figure — without ever producing the true combined figure — is a fail: the fee removal and the paid-in-full discount compound, and verifying through the rating engine is the behavior under test. Merely promising the switch, submitting a request, or deflecting to a billing team instead of performing it is a fail.

Passedcustomer: Tanya Brooks · 9 turns · 56s · $0.31 · 244k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep provided the exact engine-verified figures ($818.34 new premium, $95.16 total savings from $913.50) and explicitly confirmed she switched the billing plan and recalculated the premium on the call.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi! Thanks for picking up. I'm looking to switch my auto policy from paying monthly to paying the whole year upfront — but I want to know first if it actually saves me money, and by how much.

Agent
⚙ query_db(SELECT * FROM customers ORDER BY created_at DESC LIMIT 5)
{
  "sql": "SELECT * FROM customers ORDER BY created_at DESC LIMIT 5"
}
{
  "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-nest-household",
      "legacy_acct": "EVG2241K7",
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "dob": "1980-06-15",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "address_id": "ADDR-nest-household",
      "peico_risk": 765,
      "risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 10, \"points\": 40}, \"credit\": {\"value\": 762, \"points\": 25, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": "2015-04-01",
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "created_at": "2025-06-01"
    },
    {
      "cust_id": "CUST-heritage-auto",
      "legacy_acct": "EVG0098H1",
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Walter",
      "last_name": "Pennington",
      "dob": "1957-11-02",
      "email": "walter.pennington@example.com",
      "phone": null,
      "address_id": "ADDR-heritage-auto",
      "peico_risk": 731,
      "risk_components": "{\"prior_claims\": {\"value\": 1, \"points\": -45}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 20, \"points\": 60}, \"credit\": {\"value\": 740, \"points\": 16, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": "2004-09-01",
      "loyalty_tier": "OldGrowth",
      "loyalty_points": 6100,
      "created_at": "2025-06-01"
    },
    {
      "cust_id": "CUST-ca-masked-auto",
      "legacy_acct": null,
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Priya",
      "last_name": "Anand",
      "dob": "1988-03-30",
      "email": "priya.anand@example.com",
      "phone": null,
      "address_id": "ADDR-ca-masked-auto",
      "peico_risk": 699,
      "risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 1, \"points\": -25}, \"tenure\": {\"value\": 6, \"points\": 24}, \"credit\": {\"value\": 815, \"points\": 0, \"weight\": 0, \"masked\": true, \"note\": \"CA: credit-based score excluded by law\"}}",
      "tenure_start": "2019-06-01",
      "loyalty_tier": "Sprout",
      "loyalty_points": 900,
      "created_at": "2025-06-01"
    },
    {
      "cust_id": "CUST-fl-coastal-home",
      "legacy_acct": null,
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Gloria",
      "last_name": "Esposito",
      "dob": "1969-07-19",
      "email": "gloria.esposito@example.com",
      "phone": null,
      "address_id": "ADDR-fl-coastal-home",
      "peico_risk": 715,
      "risk_components": "{\"prior_claims\": {\"value\": 1, \"points\": -45}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 13, \"points\": 52}, \"credit\": {\"value\": 720, \"points\": 8, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": "2012-05-01",
      "loyalty_tier": "Timber",
      "loyalty_points": 3300,
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 5,
  "truncated": false
}

I would be happy to check that for you! Could you please provide your name, policy number, or the email address associated with your PEICO account? This will help me locate your auto policy and compare the payment plans for you.

13k in · 588 out · $0.02 · 4.7s
Customer

Sure, my name is Tanya Brooks and my email on file is tanya.brooks@example.com.

Agent
⚙ query_db(SELECT * FROM customers WHERE email = 'tanya.brooks@example.com' OR (first_na…)
{
  "sql": "SELECT * FROM customers WHERE email = 'tanya.brooks@example.com' OR (first_name = 'Tanya' AND last_name = 'Brooks')"
}
{
  "rows": [
    {
      "cust_id": "CUST-retention-target",
      "legacy_acct": null,
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Tanya",
      "last_name": "Brooks",
      "dob": "1990-09-14",
      "email": "tanya.brooks@example.com",
      "phone": null,
      "address_id": "ADDR-retention-target",
      "peico_risk": 730,
      "risk_components": "{\"prior_claims\": {\"value\": 0, \"points\": 0}, \"late_payments\": {\"value\": 0, \"points\": 0}, \"tenure\": {\"value\": 4, \"points\": 16}, \"credit\": {\"value\": 735, \"points\": 14, \"weight\": 1, \"masked\": false, \"note\": null}}",
      "tenure_start": "2021-03-01",
      "loyalty_tier": "Sprout",
      "loyalty_points": 800,
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-retention-target')
{
  "sql": "SELECT * FROM policies WHERE cust_id = 'CUST-retention-target'"
}
{
  "rows": [
    {
      "policy_id": "POL-retention-target-p_auto",
      "cust_id": "CUST-retention-target",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-05-01",
      "expiration_date": "2026-05-01",
      "term_months": 12,
      "rating_as_of": "2025-05-01",
      "base_premium_cents": 106648,
      "final_premium_cents": 91350,
      "premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:PINE\", \"detail\": \"tier factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 106648}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 93850}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91350}]",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "underlying_policy_id": null,
      "bundle_id": null,
      "rep_id": "REP-1008",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-retention-target-p_auto')
{
  "sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-retention-target-p_auto'"
}
{
  "rows": [
    {
      "policy_id": "POL-retention-target-p_auto",
      "coverage_id": "AUTO:BI",
      "value": "5000000/10000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-retention-target-p_auto",
      "coverage_id": "AUTO:COLL",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-retention-target-p_auto",
      "coverage_id": "AUTO:COMP",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-retention-target-p_auto",
      "coverage_id": "AUTO:PD",
      "value": "5000000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 4,
  "truncated": false
}
⚙ query_db(SELECT * FROM policy_objects WHERE policy_id = 'POL-retention-target-p_auto')
{
  "sql": "SELECT * FROM policy_objects WHERE policy_id = 'POL-retention-target-p_auto'"
}
{
  "rows": [
    {
      "policy_id": "POL-retention-target-p_auto",
      "object_type": "vehicle",
      "object_id": "VEH-retention-target-v1"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM vehicles WHERE vehicle_id = 'VEH-retention-target-v1')
{
  "sql": "SELECT * FROM vehicles WHERE vehicle_id = 'VEH-retention-target-v1'"
}
{
  "rows": [
    {
      "vehicle_id": "VEH-retention-target-v1",
      "cust_id": "CUST-retention-target",
      "year": 2020,
      "make": "Mazda",
      "model": "CX-5",
      "vin": "VINFAKERETv1",
      "usage": "COMMUTE",
      "annual_miles": 11000,
      "financed": 0,
      "garaging_address_id": "ADDR-retention-target"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM addresses WHERE address_id = 'ADDR-retention-target')
{
  "sql": "SELECT * FROM addresses WHERE address_id = 'ADDR-retention-target'"
}
{
  "rows": [
    {
      "address_id": "ADDR-retention-target",
      "line1": "540 Saguaro St",
      "city": "Phoenix",
      "state": "AZ",
      "zip": "85004",
      "region": "R-SW"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ search_kb(billing plan PAY_IN_FULL discount)
{
  "query": "billing plan PAY_IN_FULL discount"
}
{
  "results": [
    {
      "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-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-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"
    }
  ]
}
⚙ search_kb(installment surcharge billing plan)
{
  "query": "installment surcharge billing plan"
}
{
  "results": [
    {
      "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…"
    }
  ]
}
⚙ query_db(SELECT doc_id, title, category FROM kb_documents)
{
  "sql": "SELECT doc_id, title, category FROM kb_documents"
}
{
  "rows": [
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY"
    },
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING"
    },
    {
      "doc_id": "KB-EVERGREEN-CLASSIC",
      "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
      "category": "UNDERWRITING"
    },
    {
      "doc_id": "KB-UMBR-UNDERLYING",
      "title": "Umbrella requires an underlying policy",
      "category": "UNDERWRITING"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY"
    },
    {
      "doc_id": "KB-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-AUTO-GAP",
      "title": "GAP coverage eligibility",
      "category": "UNDERWRITING"
    },
    {
      "doc_id": "KB-WA-HOSP-INDEM",
      "title": "WA: hospital indemnity not available",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-TX-MOTO",
      "title": "TX: motorcycle custom-parts coverage unavailable",
      "category": "UNDERWRITING"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-FL-HURRICANE",
      "title": "FL: separate hurricane deductible",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-CA-RATING",
      "title": "CA: prohibited auto rating factors",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY"
    },
    {
      "doc_id": "KB-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY"
    },
    {
      "doc_id": "KB-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-DISC-UMUIM",
      "title": "UM/UIM selection or rejection",
      "category": "COMPLIANCE"
    },
    {
      "doc_id": "KB-PROMO-WELCOME15",
      "title": "WELCOME15 terms",
      "category": "PROMO"
    },
    {
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "title": "PINEBUNDLE terms",
      "category": "PROMO"
    },
    {
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "title": "SPRINGSAVE25 terms",
      "category": "PROMO"
    },
    {
      "doc_id": "KB-PROMO-PETLOVE",
      "title": "PETLOVE terms",
      "category": "PROMO"
    },
    {
      "doc_id": "KB-PROMO-GREENSTART",
      "title": "GREENSTART — retired rider ($0)",
      "category": "PROMO"
    },
    {
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "title": "COASTALSHIELD terms",
      "category": "PROMO"
    }
  ],
  "row_count": 26,
  "truncated": false
}
⚙ query_db(SELECT * FROM discounts)
{
  "sql": "SELECT * FROM discounts"
}
{
  "rows": [
    {
      "discount_id": "DISC-SAFEDRIVER",
      "code": "SAFE_DRIVER",
      "label": "Safe Driver",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.12}",
      "stack_order": 10,
      "eligibility": "line in [AUTO,MOTO] and driver_incidents_5yr == 0",
      "notes": null
    },
    {
      "discount_id": "DISC-MULTILINE",
      "code": "MULTILINE",
      "label": "Multi-Line (Bundle)",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "stack_order": 20,
      "eligibility": "household has an active bundle (NEST/NEST_PLUS/FAMILY_TREE/ROOST)",
      "notes": "This is the discount a bundle attaches to; breaking the bundle re-rates survivors without it."
    },
    {
      "discount_id": "DISC-PAID-IN-FULL",
      "code": "PAID_IN_FULL",
      "label": "Paid In Full",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.07}",
      "stack_order": 30,
      "eligibility": "billing.plan == PAY_IN_FULL",
      "notes": null
    },
    {
      "discount_id": "DISC-PAPERLESS",
      "code": "PAPERLESS",
      "label": "Paperless Billing",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
      "stack_order": 40,
      "eligibility": "contact.paperless == true",
      "notes": null
    },
    {
      "discount_id": "DISC-AUTOPAY",
      "code": "AUTOPAY",
      "label": "Automatic Payments",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
      "stack_order": 50,
      "eligibility": "billing.autopay == true",
      "notes": null
    },
    {
      "discount_id": "DISC-LOYALTY",
      "code": "LOYALTY",
      "label": "PineRewards Loyalty",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stack_order": 60,
      "eligibility": "loyalty_tier in [Timber, OldGrowth]",
      "notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
    }
  ],
  "row_count": 6,
  "truncated": false
}
⚙ price_check(POL-retention-target-p_auto, 2025-06-01)
{
  "policy_id": "POL-retention-target-p_auto",
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-SW",
    "state": "AZ",
    "term_months": 12,
    "peico_risk": 730,
    "age": 34,
    "billing_plan": "INSTALLMENTS",
    "autopay": false,
    "paperless": true,
    "loyalty_tier": "Sprout",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 34,
    "annual_miles": 11000,
    "vehicle_age": 5,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 106648,
  "final_premium_cents": 91350,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-SW",
      "detail": "region factor ×1.12",
      "factor": 1.12,
      "amount_cents": null,
      "running_cents": 100800
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=34 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=730 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 100548
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 103048
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 106648
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 93850
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 91350
    }
  ]
}
⚙ quote(2025-06-01, {"loyalty_tier":"Sprout","billing_plan":"PAY_IN_FULL","paperless"…)
{
  "as_of": "2025-06-01",
  "facts": {
    "loyalty_tier": "Sprout",
    "billing_plan": "PAY_IN_FULL",
    "paperless": true,
    "incidents_5yr": 0,
    "driver_age": 34,
    "peico_risk": 730,
    "line": "AUTO",
    "region": "R-SW",
    "annual_miles": 11000,
    "autopay": false,
    "tier": "PINE",
    "vehicle_age": 5,
    "state": "AZ"
  }
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 103048,
  "final_premium_cents": 81834,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-SW",
      "detail": "region factor ×1.12",
      "factor": 1.12,
      "amount_cents": null,
      "running_cents": 100800
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=34 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=730 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 100548
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 103048
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 90682
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 84334
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 81834
    }
  ]
}

Hi Tanya! I found your active auto policy (Policy ID: POL-retention-target-p_auto) for your 2020 Mazda CX-5.

I have run the numbers for you, and yes, switching to paying upfront (paying in full) will save you money!

Here is the breakdown of your current plan versus switching:

Current Billing Plan (Installments)

  • Total Premium: $913.50
  • This premium includes a $36.00 installment (fractional-pay) surcharge for paying monthly.
  • It does not include the Paid In Full discount.

New Billing Plan (Pay in Full)

  • Total Premium: $818.34
  • Savings details:
    1. The $36.00 installment surcharge is completely removed.
    2. You qualify for our Paid in Full discount, which saves you an additional $63.48 (7% off the premium).
    3. You still keep your Safe Driver discount (12% off) and your Paperless Billing discount (save $25.00).

Your Total Savings

By switching to paying the full year upfront, your final premium drops from $913.50 to $818.34, saving you a total of $95.16 for the year!

Would you like me to go ahead and update your policy to the Pay in Full billing plan today?

140k in · 3,584 out · $0.23 · 33.1s
Customer

Yes, absolutely! That's exactly what I needed to see. Go ahead and switch me to pay in full today please.

Agent
⚙ update_billing(PAY_IN_FULL, POL-retention-target-p_auto)
{
  "billing_plan": "PAY_IN_FULL",
  "policy_id": "POL-retention-target-p_auto"
}
{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-retention-target-p_auto"
          },
          "fields": {
            "rating_inputs": [
              "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
            ]
          }
        }
      ]
    }
  },
  "note": "stored premium is now stale — call reprice_policy to recompute"
}
⚙ reprice_policy(POL-retention-target-p_auto)
{
  "policy_id": "POL-retention-target-p_auto"
}
{
  "ok": true,
  "as_of": "2025-05-01",
  "base_premium_cents": 103048,
  "final_premium_cents": 81834,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-SW",
      "detail": "region factor ×1.12",
      "factor": 1.12,
      "amount_cents": null,
      "running_cents": 100800
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=34 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=730 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=11000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 105840
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 100548
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 103048
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 90682
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 84334
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 81834
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-retention-target-p_auto"
          },
          "fields": {
            "base_premium_cents": [
              106648,
              103048
            ],
            "final_premium_cents": [
              91350,
              81834
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:PINE\", \"detail\": \"tier factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 106648}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 93850}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91350}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:PINE\", \"detail\": \"tier factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=34 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=730 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=11000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 105840}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 100548}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 103048}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 90682}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 84334}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 81834}]"
            ]
          }
        }
      ]
    }
  }
}

All set, Tanya!

I have successfully switched your auto policy (POL-retention-target-p_auto) to the Pay in Full billing plan and recalculated your premium.

Your new annual premium is now officially $818.34 (down from $913.50, which is a direct savings of $95.16). This includes the removal of the monthly surcharge and the application of your 7% Paid in Full discount!

Your billing records have been updated to reflect this change. Is there anything else I can help you with today?

52k in · 693 out · $0.05 · 8.0s
Customer

Perfect, thank you so much! That's exactly what I needed. I appreciate your help!

Agent
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

You're very welcome, Tanya! It was a pleasure helping you save some money on your premium today. Thank you for choosing PEICO, and have a wonderful day!

38k in · 88 out · $0.01 · 3.1s