life-freelook-rights

{
  "query": "whole life cancellation free look surrender penalty Protective Evergreen Insurance Company PEICO",
  "limit": 8
}

{
  "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-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-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-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-CA-RATING",
      "title": "CA: prohibited auto rating factors",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
      "snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
    },
    {
      "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-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-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"
}

{
  "sql": "SELECT cust_id, policy_id, line, status, effective_date, expiration_date, rating_as_of, delivery_id FROM policies WHERE cust_id IN (SELECT cust_id FROM customers WHERE first_name LIKE 'Eleanor' AND last_name LIKE 'Whitmore') AND line='LIFE_W' ORDER BY created_at DESC LIMIT 5"
}

{
  "error": "sql_error",
  "detail": "no such column: delivery_id"
}

{
  "sql": "SELECT cust_id, policy_id, line, status, effective_date, expiration_date, rating_as_of, created_at FROM policies WHERE cust_id IN (SELECT cust_id FROM customers WHERE first_name LIKE 'Eleanor' AND last_name LIKE 'Whitmore') AND line='LIFE_W' ORDER BY created_at DESC LIMIT 5"
}

{
  "rows": [
    {
      "cust_id": "CUST-life-suitable",
      "policy_id": "POL-life-suitable-p_life",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-05-20",
      "expiration_date": "2026-05-20",
      "rating_as_of": "2025-05-20",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

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

{
  "rows": [
    {
      "delivery_id": "DLV-POL-life-suitable-p_life-FREE_LOOK",
      "policy_id": "POL-life-suitable-p_life",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "delivery_id": "DLV-POL-life-suitable-p_life-SURRENDER",
      "policy_id": "POL-life-suitable-p_life",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "delivery_id": "DLV-POL-life-suitable-p_life-NOT_INVESTMENT",
      "policy_id": "POL-life-suitable-p_life",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    },
    {
      "delivery_id": "DLV-POL-life-suitable-p_life-CASH_VALUE",
      "policy_id": "POL-life-suitable-p_life",
      "delivered_at": "2025-05-20",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "sql": "SELECT policy_id, status, line, effective_date FROM policies WHERE policy_id='POL-life-suitable-p_life'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-suitable-p_life",
      "status": "ACTIVE",
      "line": "LIFE_W",
      "effective_date": "2025-05-20"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "policy_id": "POL-life-suitable-p_life"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-life-suitable-p_life"
          },
          "fields": {
            "status": [
              "ACTIVE",
              "CANCELLED"
            ]
          }
        }
      ]
    }
  }
}

{}

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