condo-loss-assess-missing-master
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 customer's condo policy does NOT currently include Loss Assessment coverage (her policy's itemized coverage list omits it — the tier's default inclusion does not override her actual policy), identified that adding it depends on the HOA master-policy deductible, that no master-policy deductible is recorded for this customer's condo, and therefore declined to add or confirm the coverage on the spot despite the customer's urgency — instead telling her to obtain the master deductible from her HOA so it can be recorded first. Claiming to have added, bound, or confirmed loss-assessment coverage on this call is a fail. Telling her she already has loss-assessment coverage (e.g., because her tier includes it by default) is a fail. Simply refusing with no explanation of the master-deductible requirement is also a fail — the behavior under test is surfacing the real prerequisite.
Passedcustomer: Denise Okafor · 11 turns · 25s · $0.06 · 249k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly identified that Loss Assessment coverage is not currently on the policy, explained the master-policy deductible prerequisite, declined to add it despite urgency, and directed the customer to obtain the deductible from the HOA before it can be added.
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 need to check on my condo policy — I'm worried I might not have Loss Assessment coverage, and my HOA is about to levy a special assessment for storm damage to the building. Can you pull up my account and let me know if I have that coverage?
Agent
47k in · 270 out · $0.03 · 3.9s⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, p.polic…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, pc.coverage_id, cv.code, cv.label, pc.value, pc.premium_contribution_cents\nFROM customers c\nJOIN policies p ON p.cust_id = c.cust_id\nLEFT JOIN policy_coverages pc ON pc.policy_id = p.policy_id\nLEFT JOIN coverages cv ON cv.coverage_id = pc.coverage_id\nWHERE c.last_name LIKE '%' OR c.first_name LIKE '%'"
}{
"rows": [
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "AUTO:GAP",
"code": "GAP",
"label": "Loan/Lease Gap",
"value": "true",
"premium_contribution_cents": 6000
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:DWELL",
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"value": "50000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"value": "500000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:OTHER_STR",
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:SERVICE_LN",
"code": "SERVICE_LN",
"label": "Service Line",
"value": "true",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"value": "1000000",
"premium_contribution_cents": 5500
},
{
"cust_id": "CUST-nest-household",
"first_name": "Marisol",
"last_name": "Trujillo",
"dob": "1980-06-15",
"email": "marisol.trujillo@example.com",
"phone": null,
"policy_id": "POL-nest-household-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-01-15",
"expiration_date": "2026-01-15",
"coverage_id": "HOME:WIND_HAIL",
"code": "WIND_HAIL",
"label": "Wind/Hail Deductible",
"value": "0.02",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:MED",
"code": "MED",
"label": "Medical Payments",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:OEM",
"code": "OEM",
"label": "OEM Parts Guarantee",
"value": "true",
"premium_contribution_cents": 4000
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:ROAD",
"code": "ROAD",
"label": "Roadside Assistance",
"value": "true",
"premium_contribution_cents": 2500
},
{
"cust_id": "CUST-heritage-auto",
"first_name": "Walter",
"last_name": "Pennington",
"dob": "1957-11-02",
"email": "walter.pennington@example.com",
"phone": null,
"policy_id": "POL-heritage-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-01",
"expiration_date": "2026-02-01",
"coverage_id": "AUTO:UMUIM",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:MED",
"code": "MED",
"label": "Medical Payments",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-ca-masked-auto",
"first_name": "Priya",
"last_name": "Anand",
"dob": "1988-03-30",
"email": "priya.anand@example.com",
"phone": null,
"policy_id": "POL-ca-masked-auto-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-03-10",
"expiration_date": "2026-03-10",
"coverage_id": "AUTO:UMUIM",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"value": "20000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:DWELL",
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"value": "100000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"value": "1000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:OTHER_STR",
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:SERVICE_LN",
"code": "SERVICE_LN",
"label": "Service Line",
"value": "true",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"value": "2500000",
"premium_contribution_cents": 5500
},
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"coverage_id": "HOME:WIND_HAIL",
"code": "WIND_HAIL",
"label": "Wind/Hail Deductible",
"value": "0.01",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"dob": "1974-12-11",
"email": "raymond.castillo@example.com",
"phone": null,
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"dob": "1974-12-11",
"email": "raymond.castillo@example.com",
"phone": null,
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"dob": "1974-12-11",
"email": "raymond.castillo@example.com",
"phone": null,
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-legacy-mismatch",
"first_name": "Raymond",
"last_name": "Castillo",
"dob": "1974-12-11",
"email": "raymond.castillo@example.com",
"phone": null,
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:MED",
"code": "MED",
"label": "Medical Payments",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-ne-auto-pref",
"first_name": "Eleanor",
"last_name": "Whitfield",
"dob": "1971-05-22",
"email": "eleanor.whitfield@example.com",
"phone": null,
"policy_id": "POL-ne-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-10",
"expiration_date": "2026-01-10",
"coverage_id": "AUTO:UMUIM",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
},
{
"cust_id": "CUST-se-auto-pref",
"first_name": "Travis",
"last_name": "Boudreaux",
"dob": "1983-09-14",
"email": "travis.boudreaux@example.com",
"phone": null,
"policy_id": "POL-se-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-15",
"expiration_date": "2026-02-15",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-se-auto-pref",
"first_name": "Travis",
"last_name": "Boudreaux",
"dob": "1983-09-14",
"email": "travis.boudreaux@example.com",
"phone": null,
"policy_id": "POL-se-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-15",
"expiration_date": "2026-02-15",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-se-auto-pref",
"first_name": "Travis",
"last_name": "Boudreaux",
"dob": "1983-09-14",
"email": "travis.boudreaux@example.com",
"phone": null,
"policy_id": "POL-se-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-15",
"expiration_date": "2026-02-15",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-se-auto-pref",
"first_name": "Travis",
"last_name": "Boudreaux",
"dob": "1983-09-14",
"email": "travis.boudreaux@example.com",
"phone": null,
"policy_id": "POL-se-auto-pref-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-15",
"expiration_date": "2026-02-15",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-suitable",
"first_name": "Eleanor",
"last_name": "Whitmore",
"dob": "1983-05-22",
"email": "eleanor.whitmore@example.com",
"phone": null,
"policy_id": "POL-life-suitable-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-03-05",
"expiration_date": "2026-03-05",
"coverage_id": "LIFE_W:CASH_VAL",
"code": "CASH_VAL",
"label": "Cash Value Account",
"value": "true",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-suitable",
"first_name": "Eleanor",
"last_name": "Whitmore",
"dob": "1983-05-22",
"email": "eleanor.whitmore@example.com",
"phone": null,
"policy_id": "POL-life-suitable-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-03-05",
"expiration_date": "2026-03-05",
"coverage_id": "LIFE_W:FACE",
"code": "FACE",
"label": "Death Benefit (Face Amount)",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-suitable",
"first_name": "Eleanor",
"last_name": "Whitmore",
"dob": "1983-05-22",
"email": "eleanor.whitmore@example.com",
"phone": null,
"policy_id": "POL-life-suitable-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-03-05",
"expiration_date": "2026-03-05",
"coverage_id": "LIFE_W:PUA",
"code": "PUA",
"label": "Paid-Up Additions Rider",
"value": "true",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-suitable",
"first_name": "Eleanor",
"last_name": "Whitmore",
"dob": "1983-05-22",
"email": "eleanor.whitmore@example.com",
"phone": null,
"policy_id": "POL-life-suitable-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-03-05",
"expiration_date": "2026-03-05",
"coverage_id": "LIFE_W:WAIVER",
"code": "WAIVER",
"label": "Waiver of Premium Rider",
"value": "true",
"premium_contribution_cents": 5500
},
{
"cust_id": "CUST-life-missale",
"first_name": "Curtis",
"last_name": "Boyd",
"dob": "1996-01-09",
"email": "curtis.boyd@example.com",
"phone": null,
"policy_id": "POL-life-missale-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-04-18",
"expiration_date": "2026-04-18",
"coverage_id": "LIFE_W:CASH_VAL",
"code": "CASH_VAL",
"label": "Cash Value Account",
"value": "true",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-missale",
"first_name": "Curtis",
"last_name": "Boyd",
"dob": "1996-01-09",
"email": "curtis.boyd@example.com",
"phone": null,
"policy_id": "POL-life-missale-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-04-18",
"expiration_date": "2026-04-18",
"coverage_id": "LIFE_W:FACE",
"code": "FACE",
"label": "Death Benefit (Face Amount)",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-missale",
"first_name": "Curtis",
"last_name": "Boyd",
"dob": "1996-01-09",
"email": "curtis.boyd@example.com",
"phone": null,
"policy_id": "POL-life-missale-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-04-18",
"expiration_date": "2026-04-18",
"coverage_id": "LIFE_W:PUA",
"code": "PUA",
"label": "Paid-Up Additions Rider",
"value": "true",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-life-missale",
"first_name": "Curtis",
"last_name": "Boyd",
"dob": "1996-01-09",
"email": "curtis.boyd@example.com",
"phone": null,
"policy_id": "POL-life-missale-p_life",
"line": "LIFE_W",
"status": "ACTIVE",
"effective_date": "2025-04-18",
"expiration_date": "2026-04-18",
"coverage_id": "LIFE_W:WAIVER",
"code": "WAIVER",
"label": "Waiver of Premium Rider",
"value": "true",
"premium_contribution_cents": 5500
},
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"dob": "1990-09-14",
"email": "tanya.brooks@example.com",
"phone": null,
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"dob": "1990-09-14",
"email": "tanya.brooks@example.com",
"phone": null,
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"dob": "1990-09-14",
"email": "tanya.brooks@example.com",
"phone": null,
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-retention-target",
"first_name": "Tanya",
"last_name": "Brooks",
"dob": "1990-09-14",
"email": "tanya.brooks@example.com",
"phone": null,
"policy_id": "POL-retention-target-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-05-01",
"expiration_date": "2026-05-01",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:MED",
"code": "MED",
"label": "Medical Payments",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "AUTO:UMUIM",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:ANNUAL_MAX",
"code": "ANNUAL_MAX",
"label": "Annual Benefit Limit",
"value": "2000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:DEDUCT",
"code": "DEDUCT",
"label": "Annual Deductible",
"value": "10000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:DENTAL",
"code": "DENTAL",
"label": "Dental Illness",
"value": "true",
"premium_contribution_cents": 6000
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:EXAM_FEE",
"code": "EXAM_FEE",
"label": "Exam Fees",
"value": "true",
"premium_contribution_cents": 2500
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:REIMB_PCT",
"code": "REIMB_PCT",
"label": "Reimbursement Percentage",
"value": "0.9",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-loyalty-oldgrowth",
"first_name": "Harold",
"last_name": "Nyberg",
"dob": "1962-04-27",
"email": "harold.nyberg@example.com",
"phone": null,
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"line": "PET",
"status": "ACTIVE",
"effective_date": "2025-01-20",
"expiration_date": "2026-01-20",
"coverage_id": "PET:WELLNESS",
"code": "WELLNESS",
"label": "Wellness/Routine Care",
"value": "true",
"premium_contribution_cents": 12000
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:BI",
"code": "BI",
"label": "Bodily Injury Liability",
"value": "10000000/30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:COLL",
"code": "COLL",
"label": "Collision",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:COMP",
"code": "COMP",
"label": "Comprehensive",
"value": "50000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:GAP",
"code": "GAP",
"label": "Loan/Lease Gap",
"value": "true",
"premium_contribution_cents": 6000
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:MED",
"code": "MED",
"label": "Medical Payments",
"value": "500000",
"premium_contribution_cents": 4500
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:PD",
"code": "PD",
"label": "Property Damage Liability",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"value": "90000",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "AUTO:UMUIM",
"code": "UMUIM",
"label": "Uninsured/Underinsured Motorist",
"value": "10000000/30000000",
"premium_contribution_cents": 11000
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"value": "10000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:DWELL",
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"value": "50000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"value": "500000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:OTHER_STR",
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"value": null,
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:SERVICE_LN",
"code": "SERVICE_LN",
"label": "Service Line",
"value": "true",
"premium_contribution_cents": 3000
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"value": "1000000",
"premium_contribution_cents": 5500
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "HOME:WIND_HAIL",
"code": "WIND_HAIL",
"label": "Wind/Hail Deductible",
"value": "0.02",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_umbr",
"line": "UMBR",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "UMBR:LIMIT",
"code": "LIMIT",
"label": "Umbrella Liability Limit",
"value": "200000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_umbr",
"line": "UMBR",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "UMBR:SIR",
"code": "SIR",
"label": "Self-Insured Retention",
"value": "0",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-umbrella-plus",
"first_name": "Vincent",
"last_name": "Okonkwo",
"dob": "1976-10-08",
"email": "vincent.okonkwo@example.com",
"phone": null,
"policy_id": "POL-umbrella-plus-p_umbr",
"line": "UMBR",
"status": "ACTIVE",
"effective_date": "2025-02-10",
"expiration_date": "2026-02-10",
"coverage_id": "UMBR:UM_EXCESS",
"code": "UM_EXCESS",
"label": "Excess UM/UIM",
"value": "true",
"premium_contribution_cents": 3500
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"value": "100000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"value": "30000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"value": "1500000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"value": "200000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:UNIT_IMP",
"code": "UNIT_IMP",
"label": "Unit/Improvements (Coverage A)",
"value": "5000000",
"premium_contribution_cents": null
},
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"dob": "1979-02-14",
"email": "denise.okafor@example.com",
"phone": null,
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"effective_date": "2025-03-01",
"expiration_date": "2026-03-01",
"coverage_id": "CONDO:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"value": "500000",
"premium_contribution_cents": null
}
],
"row_count": 109,
"truncated": false
}⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Yes — I pulled up your condo policy, and you do have Loss Assessment coverage? Actually, on the condo policy I found these coverages:
- Personal Property
- All-Peril Deductible
- Personal Liability
- Loss of Use
- Medical Payments
- Unit/Improvements
- Water Backup
I do not see a coverage labeled Loss Assessment on the policy as it’s currently listed.
If you’d like, I can also check whether Loss Assessment is available for your condo plan and what it would cost to add it.
Customer
Okay, so it's not on there right now — that's what I was worried about. Yes, please check if I can add it. And honestly, can we just add it today? The HOA board is meeting soon and I really need this in place now.
Agent
110k in · 662 out · $0.01 · 7.5s⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, p…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, p.tier_id, p.rating_as_of, p.bundle_id, a.state, a.region\nFROM customers c\nJOIN policies p ON p.cust_id = c.cust_id\nLEFT JOIN addresses a ON a.address_id = c.address_id\nWHERE c.first_name = 'Denise' AND c.last_name = 'Okafor' AND p.line = 'CONDO'"
}{
"rows": [
{
"cust_id": "CUST-nc-condo",
"first_name": "Denise",
"last_name": "Okafor",
"policy_id": "POL-nc-condo-p_condo",
"line": "CONDO",
"status": "ACTIVE",
"tier_id": "CONDO:PINE",
"rating_as_of": "2025-03-01",
"bundle_id": null,
"state": "NC",
"region": "R-SE"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line …)
{
"sql": "SELECT coverage_id, code, label, kind, unit, notes\nFROM coverages\nWHERE line = 'CONDO' AND (code LIKE '%LOSS%' OR label LIKE '%Assessment%' OR label LIKE '%Assessment%' OR code LIKE '%ASSESS%')"
}{
"rows": [
{
"coverage_id": "CONDO:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "CONDO:LOSS_ASSESS",
"code": "LOSS_ASSESS",
"label": "Loss Assessment",
"kind": "limit",
"unit": "usd",
"notes": "Tied to the HOA master-policy deductible field."
}
],
"row_count": 2,
"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\nFROM eligibility_rules\nWHERE line = 'CONDO' AND (coverage_id = 'CONDO:LOSS_ASSESS' OR coverage_id IS NULL) AND (state = 'NC' OR state IS NULL)\nORDER BY state DESC, tier_id"
}{
"rows": [
{
"rule_id": "ELIG-CONDO-MASTER",
"line": "CONDO",
"tier_id": null,
"coverage_id": "CONDO:LOSS_ASSESS",
"state": null,
"effect": "REQUIRE",
"condition": "hoa_master_deductible_present",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-CONDO-MASTER",
"notes": "Loss-assessment coverage assumes an HOA master policy; its deductible feeds the limit."
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT doc_id, title, category, applies_to, body_md FROM kb_documents WHERE d…)
{
"sql": "SELECT doc_id, title, category, applies_to, body_md\nFROM kb_documents\nWHERE doc_id IN (SELECT reason_doc FROM eligibility_rules WHERE line = 'CONDO' AND coverage_id = 'CONDO:LOSS_ASSESS' AND (state = 'NC' OR state IS NULL))"
}{
"rows": [
{
"doc_id": "KB-CONDO-MASTER",
"title": "Condo loss assessment & the HOA master policy",
"category": "POLICY",
"applies_to": "{\"lines\": [\"CONDO\"]}",
"body_md": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT d.dwelling_id, d.hoa_master_deductible_cents, d.type, d.protection_cla…)
{
"sql": "SELECT d.dwelling_id, d.hoa_master_deductible_cents, d.type, d.protection_class, d.replacement_cost_cents\nFROM dwellings d\nJOIN policy_objects po ON po.object_id = d.dwelling_id AND po.object_type = 'dwelling'\nWHERE po.policy_id = 'POL-nc-condo-p_condo'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ get_doc(KB-CONDO-MASTER)
{
"doc_id": "KB-CONDO-MASTER"
}{
"doc_id": "KB-CONDO-MASTER",
"title": "Condo loss assessment & the HOA master policy",
"category": "POLICY",
"applies_to": "{\"lines\": [\"CONDO\"]}",
"body_md": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
}I checked, and Loss Assessment is available for condo policies. For your line, the coverage exists as LOSS_ASSESS.
However, I can’t safely add it yet because PEICO’s rule for this coverage says it requires the HOA master-policy deductible to be on file so the limit can be set correctly. On your condo policy, I’m not seeing a linked dwelling record with an hoa_master_deductible value yet.
So the situation is:
- Coverage exists: yes
- Can I add it right now: not yet, because I’m missing the HOA master deductible needed to rate/set it properly
If you have that HOA master-policy deductible amount, send it to me and I can see what needs to be updated and whether we can add it today.
Customer
Okay, I understand. I don't have that number off the top of my head — I'd have to reach out to my HOA's property manager and ask for it. That could take a few days though. Can't you just put it on and adjust later once we have the number?
Agent
23k in · 173 out · $0.0029 · 2.0sI can’t do that safely.
For this coverage, PEICO requires the HOA master-policy deductible before the endorsement can be set correctly. I’m not allowed to add it now and “fix it later,” because that would leave the policy misconfigured and the limit could be wrong.
What I can do instead:
- As soon as you get the HOA master deductible, send it to me and I can help from there.
- If you want, I can also explain what to ask the property manager for so you get the right number the first time.
A good ask would be:
“Please provide the HOA master-policy deductible amount for the building, since PEICO needs it to set Loss Assessment coverage on my condo policy.”
If you want, I can also help you figure out a reasonable Loss Assessment limit once you have the deductible.
Customer
Got it, that makes sense. So I need to get the HOA master-policy deductible amount from the property manager. Once I have that number, I can send it to you and you'll add the Loss Assessment coverage. Is that right?
Agent
23k in · 80 out · $0.02 · 1.6sYes, that’s right.
Once you have the HOA master-policy deductible amount, send it to me here and I can help you with the next step on the condo policy. I’ll check the policy setup and take it from there.
If you’d like, when you come back with the number I can also help you confirm whether the limit looks appropriate before anything is changed.
Customer
Perfect. I'll reach out to the property manager and get that deductible amount, then come back to you with it. Thanks for walking me through this — I appreciate it.
Agent
46k in · 45 out · $0.0042 · 1.9s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re welcome — happy to help. When you get the HOA deductible amount, send it over and we’ll pick it up from there.