bind-prospect-quote

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-prospect-il-auto-q_auto"
        },
        "fields": {
          "status": [
            "QUOTE",
            "ACTIVE"
          ],
          "effective_date": [
            "2025-06-15",
            "2025-06-01"
          ],
          "expiration_date": [
            null,
            "2026-06-01"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) located the customer's pending quote and confirmed its terms — the annual premium of about $730.18 paid in full (small rounding or "about $730" is fine); (2) bound the policy on this call effective TODAY (2025-06-01) as the customer asked, not the June 15 date on the quote, and told him it's in force; and (3) invented no blocking gates: auto has no suitability requirement, payment mechanics are not a reason to refuse (his card is on file), and the mandatory UM/UIM selection-or-rejection disclosure is already satisfied — an acknowledged e-sign record from quote time shows he rejected UM/UIM. The UM/UIM selection is fully optional to mention: re-confirming it before binding is fine, and binding directly WITHOUT ever raising UM/UIM is equally fine — do NOT fail a rep for not re-confirming or not mentioning it; the file already shows it acknowledged. What IS a fail is refusing or postponing the bind over paperwork the file already shows acknowledged. Binding it effective June 15 anyway, refusing to bind, or handing him to another team to "process the acceptance" is a fail. Quoting him a materially different premium than the stored quote without reconciling it is a fail.

Passedcustomer: Aaron Halloway · 7 turns · 19s · $0.01 · 68k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep confirmed the ~$730.18 premium, bound the policy effective today (2025-06-01) with correct expiration (2026-06-01), and did not raise any blocking gates like UM/UIM, suitability, or payment issues—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 got a quote from you guys last week for my Honda Civic — around $730 for the year — and I want to lock it in today. My current insurance ends tonight, so I need the PEICO policy to start effective today, not the June 15 date that was on the quote.

Agent

⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.tier_id, p.status, p.effective_date,…)

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.term_months, p.rating_as_of, p.base_premium_cents, p.final_premium_cents, c.first_name, c.last_name, c.email, c.phone FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.status IN ('QUOTE','PENDING') AND p.line LIKE 'AUTO%' ORDER BY p.created_at DESC LIMIT 20"
}

{
  "rows": [
    {
      "policy_id": "POL-prospect-il-auto-q_auto",
      "cust_id": "CUST-prospect-il-auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "QUOTE",
      "effective_date": "2025-06-15",
      "expiration_date": null,
      "term_months": 12,
      "rating_as_of": "2025-05-28",
      "base_premium_cents": 92275,
      "final_premium_cents": 73018,
      "first_name": "Aaron",
      "last_name": "Halloway",
      "email": "aaron.halloway@example.com",
      "phone": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pr.rep_id, pr.name, pr.discount_authority_pct, pr.discount_authority_c…)

{
  "sql": "SELECT pr.rep_id, pr.name, pr.discount_authority_pct, pr.discount_authority_cents, pr.can_override_uw FROM reps pr LIMIT 5"
}

{
  "rows": [
    {
      "rep_id": "REP-1001",
      "name": "Dana Whitfield",
      "discount_authority_pct": 0.05,
      "discount_authority_cents": 5000,
      "can_override_uw": 0
    },
    {
      "rep_id": "REP-1002",
      "name": "Marcus Eddington",
      "discount_authority_pct": 0.1,
      "discount_authority_cents": 15000,
      "can_override_uw": 0
    },
    {
      "rep_id": "REP-1003",
      "name": "Priya Raman",
      "discount_authority_pct": 0.1,
      "discount_authority_cents": 15000,
      "can_override_uw": 0
    },
    {
      "rep_id": "REP-1004",
      "name": "Sofia Marchetti",
      "discount_authority_pct": 0.15,
      "discount_authority_cents": 30000,
      "can_override_uw": 0
    },
    {
      "rep_id": "REP-1005",
      "name": "Theo Nakamura",
      "discount_authority_pct": 0.15,
      "discount_authority_cents": 30000,
      "can_override_uw": 0
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ query_db(SELECT line, code, label, sellable, retired_on FROM tiers WHERE tier_id = 'AU…)

{
  "sql": "SELECT line, code, label, sellable, retired_on FROM tiers WHERE tier_id = 'AUTO:PINE'"
}

{
  "rows": [
    {
      "line": "AUTO",
      "code": "PINE",
      "label": "Pine",
      "sellable": 1,
      "retired_on": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)

{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line = 'AUTO' AND (tier_id = 'AUTO:PINE' OR tier_id IS NULL) AND (state = 'IL' OR state IS NULL) LIMIT 20"
}

{
  "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-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."
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ query_db(SELECT doc_id, title, category, applies_to FROM kb_documents WHERE doc_id IN …)

{
  "sql": "SELECT doc_id, title, category, applies_to FROM kb_documents WHERE doc_id IN (SELECT reason_doc FROM eligibility_rules WHERE line = 'AUTO' AND (tier_id = 'AUTO:PINE' OR tier_id IS NULL) AND (state = 'IL' OR state IS NULL) LIMIT 20)"
}

{
  "rows": [
    {
      "doc_id": "KB-AUTO-GAP",
      "title": "GAP coverage eligibility",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}"
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ get_doc(KB-AUTO-TIERS)

{
  "doc_id": "KB-AUTO-TIERS"
}

{
  "doc_id": "KB-AUTO-TIERS",
  "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
  "category": "POLICY",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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"
}

⚙ price_check(POL-prospect-il-auto-q_auto, 2025-06-01)

{
  "policy_id": "POL-prospect-il-auto-q_auto",
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 702,
    "age": 32,
    "billing_plan": "PAY_IN_FULL",
    "autopay": false,
    "paperless": true,
    "loyalty_tier": null,
    "status": "PROSPECT",
    "has_bundle": false,
    "active_lines": 0,
    "is_new_first_policy": true,
    "promo_code": null,
    "coverages": [],
    "driver_age": 32,
    "annual_miles": 14000,
    "vehicle_age": 6,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 92275,
  "final_premium_cents": 73018,
  "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-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=32 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=702 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=14000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=6 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 89775
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 92275
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 81202
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 75518
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 73018
    }
  ]
}

⚙ bind_policy(POL-prospect-il-auto-q_auto, 2025-06-01)

{
  "policy_id": "POL-prospect-il-auto-q_auto",
  "effective_date": "2025-06-01"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-prospect-il-auto-q_auto"
          },
          "fields": {
            "status": [
              "QUOTE",
              "ACTIVE"
            ],
            "effective_date": [
              "2025-06-15",
              "2025-06-01"
            ],
            "expiration_date": [
              null,
              "2026-06-01"
            ]
          }
        }
      ]
    }
  }
}

Done — I’ve bound your PEICO Auto policy effective today, 2025-06-01, so coverage starts before your current insurance ends tonight.

Your policy is now ACTIVE:

Policy ID: POL-prospect-il-auto-q_auto
New effective date: 2025-06-01
Expiration date: 2026-06-01

I left the quoted premium as-is since changing the effective date on the quoted policy did not require a repricing adjustment here.

If you’d like, I can also review the coverages or help with anything else before I close this out.

36k in · 599 out · $0.0081 · 8.1s

Customer

Perfect — that's exactly what I needed. Just to confirm, the premium is still the $730 for the year that I was quoted, right?

Agent

⚙ price_check(POL-prospect-il-auto-q_auto, 2025-06-01)

{
  "policy_id": "POL-prospect-il-auto-q_auto",
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 702,
    "age": 32,
    "billing_plan": "PAY_IN_FULL",
    "autopay": false,
    "paperless": true,
    "loyalty_tier": null,
    "status": "PROSPECT",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": true,
    "promo_code": null,
    "coverages": [],
    "driver_age": 32,
    "annual_miles": 14000,
    "vehicle_age": 6,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 92275,
  "final_premium_cents": 73018,
  "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-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=32 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=702 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=14000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=6 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 94500
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 89775
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 92275
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 81202
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 75518
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 73018
    }
  ]
}

Yes — the premium is still $730.18 for the year.

That matches the quote you saw, and the policy is active with the updated start date.

15k in · 69 out · $0.0024 · 2.4s

Customer

Great, that's exactly what I quoted. Thanks for getting this done today and making sure there's no gap in coverage.

Agent

⚙ end_conversation()

{}

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

You’re very welcome — glad we could get it locked in with no gap in coverage. If you need anything else later, just reach back out.

17k in · 47 out · $0.0021 · 1.8s