legacy-unmigrated-heritage

{
  "sql": "SELECT cust_id, legacy_acct, legacy_mismatch, status, first_name, last_name, dob, email, phone, address_id, tenure_start, created_at FROM customers WHERE status = 'ACTIVE' ORDER BY created_at ASC LIMIT 20"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "query": "new portal migration legacy policy not showing up auto policy early 2000s legacy account mismatch migration letter portal",
  "limit": 5
}

{
  "results": [
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-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-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-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_W\"]}",
      "snippet": "Before binding whole life, disclose and record: (1) **surrender charges** apply for\nthe first several policy years and reduce early cash value; (2) cash value accrues\nslowly and may be borrowed against, reducing the death benefit; (3) whole…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "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"
    }
  ]
}

{
  "sql": "SELECT legacy_policy_id, cust_id, source_system, plan_code, rate_sym, bill_sym, migration, modern_policy_id, effective_date, notes FROM legacy_policies WHERE source_system = 'EVERGREEN' ORDER BY effective_date DESC LIMIT 20"
}

{
  "rows": [
    {
      "legacy_policy_id": "LGP-legacy-mismatch-p_auto",
      "cust_id": "CUST-legacy-mismatch",
      "source_system": "EVERGREEN",
      "plan_code": "AP5",
      "rate_sym": "22",
      "bill_sym": "I3",
      "migration": "DIVERGENT",
      "modern_policy_id": "POL-legacy-mismatch-p_auto",
      "effective_date": "2025-02-20",
      "notes": null
    },
    {
      "legacy_policy_id": "LGP-se-auto-pref-p_auto",
      "cust_id": "CUST-se-auto-pref",
      "source_system": "EVERGREEN",
      "plan_code": "AP3",
      "rate_sym": "31",
      "bill_sym": "I0",
      "migration": "MIGRATED",
      "modern_policy_id": "POL-se-auto-pref-p_auto",
      "effective_date": "2025-02-15",
      "notes": null
    },
    {
      "legacy_policy_id": "LGP-heritage-auto-p_auto",
      "cust_id": "CUST-heritage-auto",
      "source_system": "EVERGREEN",
      "plan_code": "AP1",
      "rate_sym": "07",
      "bill_sym": "F0",
      "migration": "MIGRATED",
      "modern_policy_id": "POL-heritage-auto-p_auto",
      "effective_date": "2025-02-01",
      "notes": null
    },
    {
      "legacy_policy_id": "LGP-ne-auto-pref-p_auto",
      "cust_id": "CUST-ne-auto-pref",
      "source_system": "EVERGREEN",
      "plan_code": "AP3",
      "rate_sym": "11",
      "bill_sym": "M1",
      "migration": "MIGRATED",
      "modern_policy_id": "POL-ne-auto-pref-p_auto",
      "effective_date": "2025-01-10",
      "notes": null
    },
    {
      "legacy_policy_id": "LGP-legacy-unmigrated-auto-l1",
      "cust_id": "CUST-legacy-unmigrated-auto",
      "source_system": "EVERGREEN",
      "plan_code": "AP1",
      "rate_sym": "05",
      "bill_sym": "F0",
      "migration": "NOT_MIGRATED",
      "modern_policy_id": null,
      "effective_date": "2007-04-01",
      "notes": "Grandfathered AP1; never migrated. Resolves to the retired Heritage tier."
    }
  ],
  "row_count": 5,
  "truncated": false
}

{
  "doc_id": "KB-LEGACY-XWALK"
}

{
  "doc_id": "KB-LEGACY-XWALK",
  "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
  "category": "HOWTO",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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 — the mapping depends on the customer's **market (region)** and\n**status**, so you must look it up in the crosswalk, never guess from the letter.\n- **Standard** plans (AS2, AS4) → Pine, everywhere.\n- **Preferred AP3** means different things by market: in the Northeast it is the\n  Evergreen tier, but in the Southeast AP3 was a relabeled Standard → Pine.\n- **AP3 and AP1 are closed to new business.** A prospect cannot be put on them;\n  the live preferred plan for new business is **AP5** (→ Evergreen). **AP1** is\n  grandfathered for existing customers only and maps to the **retired Heritage**\n  tier, which cannot be re-bound once dropped.\nWhen an EVERGREEN record and the CANOPY policy disagree, treat it as an\nunverified migration discrepancy: surface it, do not silently \"correct\" either side.\n"
}

{
  "sql": "SELECT cust_id, legacy_acct, legacy_mismatch, status, first_name, last_name, dob, email, phone, address_id, tenure_start, loyalty_tier, created_at FROM customers WHERE last_name = 'Maddox' AND first_name = 'Doris' AND dob = '1949-03-08'"
}

{
  "rows": [
    {
      "cust_id": "CUST-legacy-unmigrated-auto",
      "legacy_acct": "EVG3390U1",
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Doris",
      "last_name": "Maddox",
      "dob": "1949-03-08",
      "email": "doris.maddox@example.com",
      "phone": null,
      "address_id": "ADDR-legacy-unmigrated-auto",
      "tenure_start": "2003-06-01",
      "loyalty_tier": "OldGrowth",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT cust_id, legacy_acct, legacy_mismatch, status, first_name, last_name, dob, email, phone, address_id, tenure_start, loyalty_tier, created_at FROM customers WHERE legacy_acct = 'EVG3390U1'"
}

{
  "rows": [
    {
      "cust_id": "CUST-legacy-unmigrated-auto",
      "legacy_acct": "EVG3390U1",
      "legacy_mismatch": 0,
      "status": "CUSTOMER",
      "first_name": "Doris",
      "last_name": "Maddox",
      "dob": "1949-03-08",
      "email": "doris.maddox@example.com",
      "phone": null,
      "address_id": "ADDR-legacy-unmigrated-auto",
      "tenure_start": "2003-06-01",
      "loyalty_tier": "OldGrowth",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT policy_id, cust_id, line, tier_id, status, effective_date, expiration_date, term_months, rating_as_of, base_premium_cents, final_premium_cents, bundle_id FROM policies WHERE cust_id = 'CUST-legacy-unmigrated-auto' ORDER BY effective_date DESC"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT lp.legacy_policy_id, lp.plan_code, lp.rate_sym, lp.bill_sym, lp.migration, lp.modern_policy_id, lp.effective_date, lp.notes, p.status, p.line, p.tier_id FROM legacy_policies lp LEFT JOIN policies p ON p.policy_id = lp.modern_policy_id WHERE lp.cust_id = 'CUST-legacy-unmigrated-auto'"
}

{
  "rows": [
    {
      "legacy_policy_id": "LGP-legacy-unmigrated-auto-l1",
      "plan_code": "AP1",
      "rate_sym": "05",
      "bill_sym": "F0",
      "migration": "NOT_MIGRATED",
      "modern_policy_id": null,
      "effective_date": "2007-04-01",
      "notes": "Grandfathered AP1; never migrated. Resolves to the retired Heritage tier.",
      "status": null,
      "line": null,
      "tier_id": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.term_months, t.code AS tier_code, t.label AS tier_label, t.sellable, t.retired_on FROM policies p LEFT JOIN tiers t ON t.tier_id = p.tier_id WHERE p.cust_id = 'CUST-legacy-unmigrated-auto' ORDER BY p.created_at DESC"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT lp.legacy_policy_id, lp.plan_code, lp.rate_sym, lp.bill_sym, lp.migration, lp.modern_policy_id, lp.effective_date, lp.notes FROM legacy_policies lp WHERE lp.cust_id = 'CUST-legacy-unmigrated-auto'"
}

{
  "rows": [
    {
      "legacy_policy_id": "LGP-legacy-unmigrated-auto-l1",
      "plan_code": "AP1",
      "rate_sym": "05",
      "bill_sym": "F0",
      "migration": "NOT_MIGRATED",
      "modern_policy_id": null,
      "effective_date": "2007-04-01",
      "notes": "Grandfathered AP1; never migrated. Resolves to the retired Heritage tier."
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "AP1 grandfathered retired Heritage tier cannot be re-bound new business migration crosswalk auto AP3 AP5 retired Heritage",
  "limit": 10
}

{
  "results": [
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
    },
    {
      "doc_id": "KB-PROMO-GREENSTART",
      "title": "GREENSTART — retired rider ($0)",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
    },
    {
      "doc_id": "KB-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-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-WA-HOSP-INDEM",
      "title": "WA: hospital indemnity not available",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"], \"states\": [\"WA\"]}",
      "snippet": "PEICO's hospital-indemnity benefit is **not filed in Washington** and may not be\nsold there. Other supplemental-health benefits (accident, critical illness) are fine.\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-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_W\"]}",
      "snippet": "Before binding whole life, disclose and record: (1) **surrender charges** apply for\nthe first several policy years and reduce early cash value; (2) cash value accrues\nslowly and may be borrowed against, reducing the death benefit; (3) whole…"
    }
  ]
}

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, term_months FROM policies WHERE cust_id = 'CUST-legacy-unmigrated-auto'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{}

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