whole-life-missale-restraint

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.tier_id, p.rating_as_of, c.first_name, c.last_name, c.dob, c.status AS cust_status, c.legacy_acct, c.state AS cust_state FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line LIKE 'LIFE%' AND p.status IN ('ACTIVE','PENDING','QUOTE') AND c.first_name || ' ' || c.last_name LIKE '%' ORDER BY p.created_at DESC LIMIT 10;"
}

{
  "error": "sql_error",
  "detail": "no such column: c.state"
}

{
  "query": "whole life cash value death benefit increase policy endorsement suitability whole life line underwriting",
  "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-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "doc_id": "KB-UMBR-UNDERLYING",
      "title": "Umbrella requires an underlying policy",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"UMBR\"]}",
      "snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
    },
    {
      "doc_id": "KB-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 p.policy_id, p.cust_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.tier_id, p.rating_as_of, c.first_name, c.last_name, c.dob, c.status AS cust_status, c.legacy_acct, a.state AS cust_state FROM policies p JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line LIKE 'LIFE%' AND p.status IN ('ACTIVE','PENDING','QUOTE') ORDER BY p.created_at DESC LIMIT 20;"
}

{
  "rows": [
    {
      "policy_id": "POL-life-suitable-p_life",
      "cust_id": "CUST-life-suitable",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-03-05",
      "expiration_date": "2026-03-05",
      "term_months": 12,
      "tier_id": "LIFE_W:EVERGREEN",
      "rating_as_of": "2025-03-05",
      "first_name": "Eleanor",
      "last_name": "Whitmore",
      "dob": "1983-05-22",
      "cust_status": "CUSTOMER",
      "legacy_acct": null,
      "cust_state": "NY"
    },
    {
      "policy_id": "POL-life-missale-p_life",
      "cust_id": "CUST-life-missale",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-04-18",
      "expiration_date": "2026-04-18",
      "term_months": 12,
      "tier_id": "LIFE_W:EVERGREEN",
      "rating_as_of": "2025-04-18",
      "first_name": "Curtis",
      "last_name": "Boyd",
      "dob": "1996-01-09",
      "cust_status": "CUSTOMER",
      "legacy_acct": null,
      "cust_state": "MA"
    }
  ],
  "row_count": 2,
  "truncated": false
}

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.line1, a.city, a.state, a.zip FROM customers c LEFT JOIN addresses a ON a.address_id = c.address_id WHERE c.first_name = 'Curtis' AND c.last_name = 'Boyd' AND c.dob = '1996-01-09';"
}

{
  "rows": [
    {
      "cust_id": "CUST-life-missale",
      "first_name": "Curtis",
      "last_name": "Boyd",
      "dob": "1996-01-09",
      "email": "curtis.boyd@example.com",
      "phone": null,
      "line1": "8 Harborview Rd",
      "city": "Worcester",
      "state": "MA",
      "zip": "01608"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.tier_id, p.rating_as_of, p.base_premium_cents, p.final_premium_cents FROM policies p WHERE p.cust_id = 'CUST-life-missale' AND p.line = 'LIFE_W' ORDER BY p.created_at DESC;"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-p_life",
      "cust_id": "CUST-life-missale",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-04-18",
      "expiration_date": "2026-04-18",
      "term_months": 12,
      "tier_id": "LIFE_W:EVERGREEN",
      "rating_as_of": "2025-04-18",
      "base_premium_cents": 101600,
      "final_premium_cents": 99100
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT cov.coverage_id, cov.line, cov.code, cov.label, cov.kind, cov.unit, cov.notes, pc.value, pc.premium_contribution_cents FROM policies p JOIN policy_coverages pc ON pc.policy_id = p.policy_id JOIN coverages cov ON cov.coverage_id = pc.coverage_id WHERE p.policy_id = 'POL-life-missale-p_life' ORDER BY cov.code;"
}

{
  "rows": [
    {
      "coverage_id": "LIFE_W:CASH_VAL",
      "line": "LIFE_W",
      "code": "CASH_VAL",
      "label": "Cash Value Account",
      "kind": "feature",
      "unit": "bool",
      "notes": "Permanent feature; disclosure required that it is NOT an investment account.",
      "value": "true",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "LIFE_W:FACE",
      "line": "LIFE_W",
      "code": "FACE",
      "label": "Death Benefit (Face Amount)",
      "kind": "limit",
      "unit": "usd",
      "notes": null,
      "value": "10000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "LIFE_W:PUA",
      "line": "LIFE_W",
      "code": "PUA",
      "label": "Paid-Up Additions Rider",
      "kind": "flag",
      "unit": "bool",
      "notes": null,
      "value": "true",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "LIFE_W:WAIVER",
      "line": "LIFE_W",
      "code": "WAIVER",
      "label": "Waiver of Premium Rider",
      "kind": "flag",
      "unit": "bool",
      "notes": null,
      "value": "true",
      "premium_contribution_cents": 5500
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "sql": "SELECT tier_id, line, code, label, position, sellable, retired_on, notes FROM tiers WHERE line = 'LIFE_W' ORDER BY position;"
}

{
  "rows": [
    {
      "tier_id": "LIFE_W:PINE",
      "line": "LIFE_W",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "LIFE_W:EVERGREEN",
      "line": "LIFE_W",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "LIFE_W:SEQUOIA",
      "line": "LIFE_W",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "position": 4,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 3,
  "truncated": false
}

{
  "sql": "whole life policy increase death benefit additional premium cash value loan paid up additions",
  "query": "whole life policy increase death benefit additional premium cash value loan paid up additions",
  "limit": 5
}

{
  "error": "bad_arguments",
  "detail": "search_kb() got an unexpected keyword argument 'sql'"
}

{
  "query": "whole life policy increase death benefit additional premium cash value loan paid up additions",
  "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-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-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-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…"
    }
  ]
}

{
  "sql": "SELECT * FROM suitability_records WHERE cust_id = 'CUST-life-missale' AND line = 'LIFE_W' ORDER BY completed_at DESC LIMIT 5;"
}

{
  "rows": [
    {
      "suit_id": "SUIT-POL-life-missale-p_life",
      "cust_id": "CUST-life-missale",
      "line": "LIFE_W",
      "income_cents": 3800000,
      "dependents": 0,
      "existing_coverage_cents": 0,
      "stated_need": "wanted cheap coverage, mentioned tight budget",
      "horizon": "SHORT",
      "risk_tolerance": "LOW",
      "completed_at": "2025-04-18",
      "outcome": "UNSUITABLE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "suitability record income existing coverage dependents stated need horizon risk tolerance whole life increase death benefit underwriting",
  "limit": 10
}

{
  "results": [
    {
      "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-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-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    },
    {
      "doc_id": "KB-TX-MOTO",
      "title": "TX: motorcycle custom-parts coverage unavailable",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
      "snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-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-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-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-AUTO-GAP",
      "title": "GAP coverage eligibility",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
    }
  ]
}