life-freelook-rights

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.created_at, c.first_name, c.last_name, c.email, c.phone FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Eleanor' AND c.last_name = 'Whitmore' ORDER BY p.created_at DESC LIMIT 5"
}

{
  "rows": [
    {
      "policy_id": "POL-life-suitable-p_life",
      "cust_id": "CUST-life-suitable",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-05-20",
      "expiration_date": "2026-05-20",
      "term_months": 12,
      "created_at": "2025-06-01",
      "first_name": "Eleanor",
      "last_name": "Whitmore",
      "email": "eleanor.whitmore@example.com",
      "phone": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT disclosure_id, delivered_at, channel, acknowledged, notes FROM disclosure_deliveries WHERE policy_id = 'POL-life-suitable-p_life' ORDER BY delivered_at DESC"
}

{
  "rows": [
    {
      "disclosure_id": "DISC-LIFEW-FREELOOK",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "disclosure_id": "DISC-LIFEW-SURRENDER",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "disclosure_id": "DISC-LIFEW-NOTINVEST",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "disclosure_id": "DISC-LIFEW-CASHVALUE",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "query": "whole life free look surrender cash value policy cancellation surrender charge whole-life",
  "limit": 5
}

{
  "results": [
    {
      "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-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
    },
    {
      "doc_id": "KB-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\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-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"
    }
  ]
}

{
  "doc_id": "KB-DISC-FREELOOK"
}

{
  "doc_id": "KB-DISC-FREELOOK",
  "title": "Free-look period",
  "category": "COMPLIANCE",
  "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
  "body_md": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\n"
}

{
  "doc_id": "KB-DISC-WHOLE-LIFE"
}

{
  "doc_id": "KB-DISC-WHOLE-LIFE",
  "title": "Whole life disclosures: surrender, cash value, not an investment",
  "category": "COMPLIANCE",
  "applies_to": "{\"lines\": [\"LIFE_W\"]}",
  "body_md": "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 life is\n**insurance, not an investment account** — do not present projected cash value as a\nsavings/return vehicle. Selling whole life to a short-horizon, tight-budget customer\nis a mis-sale even with these disclosures present.\n"
}

{
  "sql": "SELECT payment_id, due, paid_on, amount_cents, status FROM payments WHERE policy_id = 'POL-life-suitable-p_life' ORDER BY due"
}

{
  "rows": [
    {
      "payment_id": "PMT-POL-life-suitable-p_life-0",
      "due": "2025-05-20",
      "paid_on": "2025-05-20",
      "amount_cents": 185212,
      "status": "PAID"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{}

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