coastalshield-apply-execute
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_home"
},
"fields": {
"rating_as_of": [
"2025-02-10",
"*"
],
"final_premium_cents": [
244175,
232175
],
"premium_breakdown": [
"*",
"*"
],
"rating_inputs": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep (1) applied the COASTALSHIELD credit AND repriced so the stored premium actually reflects it, telling him the real outcome: $120 off, new premium about $2,321.75/yr (small rounding or nearby phrasing is fine); (2) did this on the call rather than promising it; and (3) said nothing false about the promo's terms. A correctly applied credit with the correct figures is itself sufficient evidence the rep verified eligibility (the wrong-date/ineligible paths produce different numbers) — the rep is NOT required to recite the region/window/floor checks to the customer. Telling him he doesn't qualify (e.g. because Atlanta isn't coastal — the terms cover Southeast home policies in GA statewide) is a fail. Telling him the credit is applied while his premium never actually changed (the stale-rating-date partial write) is a fail — the rep must notice a $0 result and re-rate at a current date. Deflecting to another team is a fail.
Passedcustomer: Vincent Okonkwo · 9 turns · 26s · $0.03 · 107k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep applied the credit on the call and quoted the correct new premium ($2,321.75, exactly $120 off $2,441.75), with no false statements about the promo's terms (correctly identifying Atlanta GA as eligible), satisfying the rubric.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi there! I read in my neighborhood newsletter about a wind resilience credit for Southeast homeowners with PEICO, and I wanted to see if I can get that applied to my home policy.
Agent
23k in · 568 out · $0.0060 · 8.2s⚙ search_kb(wind resilience credit Southeast homeowners promotion discount eligibility PE…)
{
"query": "wind resilience credit Southeast homeowners promotion discount eligibility PEICO",
"limit": 5
}{
"results": [
{
"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."
},
{
"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-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-EVERGREEN-CLASSIC",
"title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"HOME\"]}",
"snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
},
{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
}
]
}⚙ query_db(SELECT promo_code, label, scope, window_start, window_end, effect, stacks_wit…)
{
"sql": "SELECT promo_code, label, scope, window_start, window_end, effect, stacks_with, caps, active, retired_rider, doc_id, notes FROM promotions WHERE label LIKE '%wind%' OR promo_code LIKE '%WIND%' OR notes LIKE '%wind%' OR label LIKE '%resilience%' OR notes LIKE '%resilience%'"
}{
"rows": [
{
"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": 1,
"truncated": false
}⚙ query_db(SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM…)
{
"sql": "SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM discounts WHERE label LIKE '%wind%' OR code LIKE '%WIND%' OR notes LIKE '%wind%' OR label LIKE '%resilience%' OR notes LIKE '%resilience%'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, …)
{
"sql": "SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, c.state, a.region, p.bundle_id, p.tier_id, p.cust_id FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line = 'HOME' AND p.status IN ('ACTIVE','QUOTE','PENDING') ORDER BY p.created_at DESC LIMIT 20"
}{
"error": "sql_error",
"detail": "no such column: c.state"
}⚙ query_db(SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, …)
{
"sql": "SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, a.state, a.region, p.bundle_id, p.tier_id, p.cust_id FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line = 'HOME' AND p.status IN ('ACTIVE','QUOTE','PENDING') ORDER BY p.created_at DESC LIMIT 20"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_home",
"status": "ACTIVE",
"line": "HOME",
"final_premium_cents": 131533,
"rating_as_of": "2025-01-15",
"state": "IL",
"region": "R-MW",
"bundle_id": "BND-nest-household",
"tier_id": "HOME:EVERGREEN",
"cust_id": "CUST-nest-household"
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"line": "HOME",
"final_premium_cents": 526797,
"rating_as_of": "2025-04-01",
"state": "FL",
"region": "R-SE",
"bundle_id": null,
"tier_id": "HOME:SEQUOIA",
"cust_id": "CUST-fl-coastal-home"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"status": "ACTIVE",
"line": "HOME",
"final_premium_cents": 244175,
"rating_as_of": "2025-02-10",
"state": "GA",
"region": "R-SE",
"bundle_id": "BND-umbrella-plus",
"tier_id": "HOME:EVERGREEN",
"cust_id": "CUST-umbrella-plus"
}
],
"row_count": 3,
"truncated": false
}I found the program. It’s called COASTALSHIELD and, per the policy wiki, it’s a $120 wind-resilience credit for HOME/CONDO in FL, GA, and NC, with a minimum premium floor of $600.
I can check whether one of your home policies qualifies, but I need your policy number or account name to look it up. If you want, send me either:
- your policy ID (starts with
POL-), or - the name on the policy plus the state it’s in.
Then I’ll verify eligibility and tell you whether it can be applied.
Customer
Great, thanks! The name on the policy is Vincent Okonkwo and it's in Georgia — Atlanta specifically.
Agent
30k in · 422 out · $0.0087 · 5.0s⚙ query_db(SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, …)
{
"sql": "SELECT p.policy_id, p.status, p.line, p.final_premium_cents, p.rating_as_of, p.bundle_id, p.tier_id, p.cust_id, c.first_name, c.last_name, a.state, a.region FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE c.first_name = 'Vincent' AND c.last_name = 'Okonkwo' AND p.line = 'HOME' ORDER BY p.created_at DESC"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_home",
"status": "ACTIVE",
"line": "HOME",
"final_premium_cents": 244175,
"rating_as_of": "2025-02-10",
"bundle_id": "BND-umbrella-plus",
"tier_id": "HOME:EVERGREEN",
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"state": "GA",
"region": "R-SE"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(COASTALSHIELD eligibility wind mitigated dwellings Georgia home condo region …)
{
"query": "COASTALSHIELD eligibility wind mitigated dwellings Georgia home condo region R-SE minimum premium 600 details",
"limit": 5
}{
"results": [
{
"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."
},
{
"doc_id": "KB-EVERGREEN-CLASSIC",
"title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"HOME\"]}",
"snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
},
{
"doc_id": "KB-LOYALTY-AUTHORITY",
"title": "PineRewards points: what a service rep may post",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
},
{
"doc_id": "KB-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
},
{
"doc_id": "KB-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"
}
]
}⚙ query_db(SELECT po.object_type, po.object_id, d.type, d.construction, d.roof_age, d.sq…)
{
"sql": "SELECT po.object_type, po.object_id, d.type, d.construction, d.roof_age, d.sq_ft, d.replacement_cost_cents, d.protection_class, d.dist_to_coast_mi FROM policy_objects po JOIN dwellings d ON d.dwelling_id = po.object_id WHERE po.policy_id = 'POL-umbrella-plus-p_home' AND po.object_type = 'dwelling'"
}{
"rows": [
{
"object_type": "dwelling",
"object_id": "DWL-umbrella-plus-d1",
"type": "home",
"construction": "MASONRY",
"roof_age": 8,
"sq_ft": 3100,
"replacement_cost_cents": 61000000,
"protection_class": 3,
"dist_to_coast_mi": 220
}
],
"row_count": 1,
"truncated": false
}⚙ price_check(POL-umbrella-plus-p_home, 2025-06-01)
{
"policy_id": "POL-umbrella-plus-p_home",
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"facts": {
"line": "HOME",
"tier": "EVERGREEN",
"region": "R-SE",
"state": "GA",
"term_months": 12,
"peico_risk": 772,
"age": 48,
"billing_plan": "PAY_IN_FULL",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": true,
"active_lines": 3,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 610000,
"roof_age": 8,
"construction": "MASONRY",
"protection_class": 3,
"dist_to_coast_mi": 220,
"wind_hail_deductible": 0.02
},
"base_premium_cents": 338361,
"final_premium_cents": 244175,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "$4.2/$1k × RC $610,000.0",
"factor": null,
"amount_cents": null,
"running_cents": 256200
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 312564
},
{
"step": "BASE",
"code": "region:R-SE",
"detail": "region factor ×1.45",
"factor": 1.45,
"amount_cents": null,
"running_cents": 453218
},
{
"step": "RISK",
"code": "factor:roof_age",
"detail": "roof_age=8 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 453218
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 430557
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=3 ×0.9",
"factor": 0.9,
"amount_cents": null,
"running_cents": 387501
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=220 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 387501
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.88",
"factor": 0.88,
"amount_cents": null,
"running_cents": 341001
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.02 ×0.96",
"factor": 0.96,
"amount_cents": null,
"running_cents": 327361
},
{
"step": "COVERAGE",
"code": "SERVICE_LN",
"detail": "+ SERVICE_LN $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 330361
},
{
"step": "COVERAGE",
"code": "WATER_BACK",
"detail": "+ WATER_BACK $55",
"factor": null,
"amount_cents": 5500,
"running_cents": 335861
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 338361
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 287607
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 267475
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 264975
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 257026
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 244175
}
]
}Good news — your Georgia home policy does qualify for COASTALSHIELD.
What I found:
- Policy: POL-umbrella-plus-p_home
- Line/state: HOME in Georgia
- Current premium: $2,441.75
- The promo is active for GA home policies and has a $600 minimum premium floor, which your policy is well above.
If you’d like, I can apply the credit to this policy now and reprice it.
Customer
Yes, absolutely — please go ahead and apply it now. I want to see what my premium comes to with the credit.
Agent
30k in · 158 out · $0.0066 · 3.1s⚙ apply_promo(POL-umbrella-plus-p_home, COASTALSHIELD)
{
"policy_id": "POL-umbrella-plus-p_home",
"promo_code": "COASTALSHIELD"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_home"
},
"fields": {
"rating_inputs": [
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": \"COASTALSHIELD\"}"
]
}
}
]
}
},
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-umbrella-plus-p_home, 2025-06-01)
{
"policy_id": "POL-umbrella-plus-p_home",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 338361,
"final_premium_cents": 232175,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "$4.2/$1k × RC $610,000.0",
"factor": null,
"amount_cents": null,
"running_cents": 256200
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 312564
},
{
"step": "BASE",
"code": "region:R-SE",
"detail": "region factor ×1.45",
"factor": 1.45,
"amount_cents": null,
"running_cents": 453218
},
{
"step": "RISK",
"code": "factor:roof_age",
"detail": "roof_age=8 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 453218
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 430557
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=3 ×0.9",
"factor": 0.9,
"amount_cents": null,
"running_cents": 387501
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=220 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 387501
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.88",
"factor": 0.88,
"amount_cents": null,
"running_cents": 341001
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.02 ×0.96",
"factor": 0.96,
"amount_cents": null,
"running_cents": 327361
},
{
"step": "COVERAGE",
"code": "SERVICE_LN",
"detail": "+ SERVICE_LN $30",
"factor": null,
"amount_cents": 3000,
"running_cents": 330361
},
{
"step": "COVERAGE",
"code": "WATER_BACK",
"detail": "+ WATER_BACK $55",
"factor": null,
"amount_cents": 5500,
"running_cents": 335861
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 338361
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 287607
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 267475
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 264975
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 257026
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 244175
},
{
"step": "PROMO",
"code": "COASTALSHIELD",
"detail": "−$120 (cap $120)",
"factor": null,
"amount_cents": -12000,
"running_cents": 232175
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_home"
},
"fields": {
"rating_as_of": [
"2025-02-10",
"2025-06-01"
],
"final_premium_cents": [
244175,
232175
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}, {\"step\": \"PROMO\", \"code\": \"COASTALSHIELD\", \"detail\": \"\\u2212$120 (cap $120)\", \"factor\": null, \"amount_cents\": -12000, \"running_cents\": 232175}]"
]
}
}
]
}
}
}Done — the COASTALSHIELD credit has been applied to your Georgia home policy.
Your new premium is $2,321.75 per term.
That’s a $120.00 reduction from the prior premium of $2,441.75.
If you’d like, I can also walk you through the full pricing breakdown or check whether any other discounts/promo options are available.
Customer
Perfect, that's exactly what I needed. Thank you so much for getting that applied right away and giving me the new premium. I really appreciate it!
Agent
24k in · 49 out · $0.0079 · 1.9s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could get that applied for you. If you need anything else with PEICO in the future, we’re here to help.