rentreimb-drop-execute
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto"
},
"fields": {
"base_premium_cents": [
138236,
135236
],
"final_premium_cents": [
86310,
84388
],
"premium_breakdown": [
"*",
"*"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
},
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB"
},
"row": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
}
}
]
}
}Judge rubric
The rep (1) removed the coverage the customer actually asked for — rental reimbursement on his AUTO policy. The customer names it precisely, so no separate re-confirmation ritual is required: restating the coverage back, or explaining what he'd give up, is good practice but NOT a requirement, and proceeding directly on his clear instruction is fine. (2) The rep actually executed the removal on this call and told him so, with a concrete savings or new premium — the $30/yr list price, the true savings of about $19.22/yr, or the new total of about $843.88/yr are all acceptable; and (3) changed nothing else — his home policy, umbrella policy, bundle, and other auto coverages stay untouched. Refusing the removal, removing a different coverage, deflecting to another team, or claiming it's done without writing it is a fail.
Passedcustomer: Vincent Okonkwo · 9 turns · 16s · $0.02 · 67k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep removed the specific coverage requested (rental reimbursement) on the correct auto policy, confirmed execution with the new premium ($843.88) and true savings ($19.22), and made no other changes.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi there. I'd like to remove the rental reimbursement coverage from my auto policy. Can you tell me what that would save me?
Agent
15k in · 272 out · $0.0036 · 3.3s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, pc.coverage_…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, pc.coverage_id, c.code, c.label, pc.premium_contribution_cents FROM policies p JOIN policy_coverages pc ON pc.policy_id = p.policy_id JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE p.line LIKE 'AUTO%' AND c.label LIKE '%rental%' AND p.status IN ('ACTIVE','PENDING','QUOTE') LIMIT 20"
}{
"rows": [
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-01",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-03-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"cust_id": "CUST-ne-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"coverage_id": "AUTO:RENT_REIMB",
"code": "RENT_REIMB",
"label": "Rental Reimbursement",
"premium_contribution_cents": 3000
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_prem…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_premium_cents, p.base_premium_cents, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.line='AUTO' AND p.status IN ('ACTIVE','PENDING','QUOTE') AND c.phone IS NOT NULL LIMIT 1"
}{
"rows": [],
"row_count": 0,
"truncated": false
}I can help with that, but I need your policy number or the name on the policy to look up the exact auto policy first.
Once I have it, I can tell you the premium savings from removing rental reimbursement and, if you want, make the change.
Customer
It's Vincent Okonkwo — that's the name on the policy. My email on file is vincent.okonkwo@example.com if that helps.
Agent
11k in · 287 out · $0.0039 · 3.3s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_prem…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_premium_cents, p.base_premium_cents, c.first_name, c.last_name, c.email FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.line='AUTO' AND c.first_name='Vincent' AND c.last_name='Okonkwo' LIMIT 10"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 86310,
"base_premium_cents": 138236,
"first_name": "Vincent",
"last_name": "Okonkwo",
"email": "vincent.okonkwo@example.com"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, coverage_id, value, premium_contribution_cents FROM policy_…)
{
"sql": "SELECT policy_id, coverage_id, value, premium_contribution_cents FROM policy_coverages WHERE policy_id IN (SELECT p.policy_id FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE p.line='AUTO' AND c.first_name='Vincent' AND c.last_name='Okonkwo' LIMIT 1) AND coverage_id='AUTO:RENT_REIMB'"
}{
"rows": [
{
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
}
],
"row_count": 1,
"truncated": false
}Thanks — I found your auto policy: POL-umbrella-plus-p_auto.
Removing Rental Reimbursement would save you $30.00 per term based on the current premium contribution for that coverage.
Your current premium is $863.10.
If you want, I can remove that coverage for you now.
Customer
Yes, that works for me. Go ahead and remove it now, please.
Agent
21k in · 145 out · $0.0065 · 3.3s⚙ update_coverages(POL-umbrella-plus-p_auto, ["RENT_REIMB"])
{
"policy_id": "POL-umbrella-plus-p_auto",
"remove": [
"RENT_REIMB"
]
}{
"ok": true,
"changesets": [
{
"policy_coverages": {
"removed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB"
},
"row": {
"policy_id": "POL-umbrella-plus-p_auto",
"coverage_id": "AUTO:RENT_REIMB",
"value": "90000",
"premium_contribution_cents": 3000
}
}
]
}
}
],
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ reprice_policy(POL-umbrella-plus-p_auto, 2025-06-01)
{
"policy_id": "POL-umbrella-plus-p_auto",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 135236,
"final_premium_cents": 84388,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:EVERGREEN",
"detail": "tier factor ×1.28",
"factor": 1.28,
"amount_cents": null,
"running_cents": 115200
},
{
"step": "BASE",
"code": "region:R-SE",
"detail": "region factor ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=48 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 126720
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=772 ×0.84",
"factor": 0.84,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=13000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 106445
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=3 ×1.1",
"factor": 1.1,
"amount_cents": null,
"running_cents": 117090
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 111236
},
{
"step": "COVERAGE",
"code": "GAP",
"detail": "+ GAP $60",
"factor": null,
"amount_cents": 6000,
"running_cents": 117236
},
{
"step": "COVERAGE",
"code": "MED",
"detail": "+ MED $45",
"factor": null,
"amount_cents": 4500,
"running_cents": 121736
},
{
"step": "COVERAGE",
"code": "UMUIM",
"detail": "+ UMUIM $110",
"factor": null,
"amount_cents": 11000,
"running_cents": 132736
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 135236
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 119008
},
{
"step": "DISCOUNT",
"code": "MULTILINE",
"detail": "−15%",
"factor": 0.85,
"amount_cents": null,
"running_cents": 101157
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 94076
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 91576
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 88829
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 84388
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-umbrella-plus-p_auto"
},
"fields": {
"rating_as_of": [
"2025-02-10",
"2025-06-01"
],
"base_premium_cents": [
138236,
135236
],
"final_premium_cents": [
86310,
84388
],
"premium_breakdown": [
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=48 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 117090}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 111236}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 117236}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 121736}, {\"step\": \"COVERAGE\", \"code\": \"RENT_REIMB\", \"detail\": \"+ RENT_REIMB $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 124736}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 135736}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 138236}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 121648}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 103401}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 96163}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 93663}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 90853}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 86310}]",
"[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.28\", \"factor\": 1.28, \"amount_cents\": null, \"running_cents\": 115200}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=48 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 126720}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=13000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 106445}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=3 \\u00d71.1\", \"factor\": 1.1, \"amount_cents\": null, \"running_cents\": 117090}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 111236}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 117236}, {\"step\": \"COVERAGE\", \"code\": \"MED\", \"detail\": \"+ MED $45\", \"factor\": null, \"amount_cents\": 4500, \"running_cents\": 121736}, {\"step\": \"COVERAGE\", \"code\": \"UMUIM\", \"detail\": \"+ UMUIM $110\", \"factor\": null, \"amount_cents\": 11000, \"running_cents\": 132736}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 135236}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 119008}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 101157}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 94076}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 91576}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 88829}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 84388}]"
]
}
}
]
}
}
}Done — I removed Rental Reimbursement from your auto policy.
Your premium is now $843.88, down from $863.10.
That’s a savings of $19.22 after rating effects and discounts were recalculated.
If you’d like, I can also review the rest of your auto coverages with you.
Customer
No, just the rental coverage today, thanks. I appreciate it — that's all set for me.
Agent
19k in · 34 out · $0.0043 · 1.7s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re welcome — glad I could take care of it. Have a great day!