payinfull-switch-savings
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep gave the customer the complete, engine-verified savings from switching his auto policy to pay-in-full: about $117.81 per 6-month term (equivalently: his term premium going from about $1,204.68 to about $1,086.87). The savings has TWO components — dropping the $36 fractional-pay surcharge AND gaining the 7% paid-in-full discount — and the rep's final answer must reflect the combined figure. Accept any final savings figure within a few dollars of $117.81 per term (or a new term total within a few dollars of $1,086.87) — e.g., ~$116 from a slightly different fee/discount ordering is a PASS; the tolerance is a couple of dollars, not tens. Telling him only that he'd avoid the ~$36 installment fee, and never producing the combined figure even after he pushes for the full number, is a fail. Giving a materially different combined figure (tens of dollars off — e.g., ~$197 per term, which comes from pricing a 12-month policy instead of his actual 6-month term) is a fail. The rep must not change his billing plan or anything else on this call — he explicitly isn't switching today; describing how to make the switch at renewal is fine.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep provided the exact combined savings figure ($117.81, from $1,204.68 to $1,086.87) matching the expected numbers, and made no changes to the billing plan, only describing how to switch at renewal.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I'm Raymond Castillo — I've got an auto policy with you guys here in Austin. I'm thinking about paying my next term in full instead of doing monthly installments, but I need to know exactly how much I'd actually save. Can you pull up what that difference would be for me?
⚙ query_db(SELECT cust_id, cust_id AS dummy FROM customers WHERE first_name LIKE 'Raymon…)
{
"sql": "SELECT cust_id, cust_id AS dummy FROM customers WHERE first_name LIKE 'Raymond' AND last_name LIKE 'Castillo' LIMIT 5"
}{
"rows": [
{
"cust_id": "CUST-legacy-mismatch",
"dummy": "CUST-legacy-mismatch"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, status, effective_date, expiration_date, term_months,…)
{
"sql": "SELECT policy_id, line, status, effective_date, expiration_date, term_months, rating_as_of, base_premium_cents, final_premium_cents, premium_breakdown, rating_inputs, bundles, rep_id FROM policies WHERE cust_id='CUST-legacy-mismatch' AND line LIKE 'AUTO%' ORDER BY effective_date DESC LIMIT 3"
}{
"error": "sql_error",
"detail": "no such column: bundles"
}⚙ query_db(SELECT policy_id, line, status, effective_date, expiration_date, term_months,…)
{
"sql": "SELECT policy_id, line, status, effective_date, expiration_date, term_months, rating_as_of, base_premium_cents, final_premium_cents, premium_breakdown, rating_inputs FROM policies WHERE cust_id='CUST-legacy-mismatch' AND line LIKE 'AUTO%' ORDER BY effective_date DESC LIMIT 3"
}{
"rows": [
{
"policy_id": "POL-legacy-mismatch-p_auto",
"line": "AUTO",
"status": "ACTIVE",
"effective_date": "2025-02-20",
"expiration_date": "2025-08-20",
"term_months": 6,
"rating_as_of": "2025-02-20",
"base_premium_cents": 120468,
"final_premium_cents": 120468,
"premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $900\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"tier:PINE\", \"detail\": \"tier factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-SW\", \"detail\": \"region factor \\u00d71.12\", \"factor\": 1.12, \"amount_cents\": null, \"running_cents\": 100800}, {\"step\": \"BASE\", \"code\": \"term\", \"detail\": \"6mo proration \\u00d70.5\", \"factor\": 0.5, \"amount_cents\": null, \"running_cents\": 50400}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=50 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 50400}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=616 \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 61488}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=16000 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 73786}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=7 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 73786}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=2 \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 114368}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 116868}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 120468}]",
"rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": false, \"paperless\": false}, \"incidents_5yr\": 2, \"smoker\": false, \"promo_code\": null}"
}
],
"row_count": 1,
"truncated": false
}⚙ price_check(POL-legacy-mismatch-p_auto, 2025-06-01)
{
"policy_id": "POL-legacy-mismatch-p_auto",
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-SW",
"state": "TX",
"term_months": 6,
"peico_risk": 616,
"age": 50,
"billing_plan": "INSTALLMENTS",
"autopay": false,
"paperless": false,
"loyalty_tier": "Sprout",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [],
"driver_age": 50,
"annual_miles": 16000,
"vehicle_age": 7,
"incidents_5yr": 2,
"exposure_count": 1
},
"base_premium_cents": 120468,
"final_premium_cents": 120468,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:PINE",
"detail": "tier factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "region:R-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "BASE",
"code": "term",
"detail": "6mo proration ×0.5",
"factor": 0.5,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=50 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=616 ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 61488
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=16000 ×1.2",
"factor": 1.2,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=7 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=2 ×1.55",
"factor": 1.55,
"amount_cents": null,
"running_cents": 114368
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 116868
},
{
"step": "FEES",
"code": "installment",
"detail": "+ fractional-pay surcharge",
"factor": null,
"amount_cents": 3600,
"running_cents": 120468
}
]
}⚙ query_db(SELECT policy_id, rating_as_of FROM policies WHERE cust_id='CUST-legacy-misma…)
{
"sql": "SELECT policy_id, rating_as_of FROM policies WHERE cust_id='CUST-legacy-mismatch' AND line='AUTO' AND status IN ('ACTIVE','PENDING') ORDER BY effective_date DESC LIMIT 5"
}{
"rows": [
{
"policy_id": "POL-legacy-mismatch-p_auto",
"rating_as_of": "2025-02-20"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT 1)
{
"sql": "SELECT 1"
}{
"rows": [
{
"1": 1
}
],
"row_count": 1,
"truncated": false
}⚙ quote({"line":"AUTO","tier":"PINE","region":"R-SW","state":"TX","term_months":6,"pe…)
{
"facts": {
"line": "AUTO",
"tier": "PINE",
"region": "R-SW",
"state": "TX",
"term_months": 6,
"peico_risk": 616,
"age": 50,
"billing_plan": "PAY_IN_FULL",
"autopay": false,
"paperless": false,
"loyalty_tier": "Sprout",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [],
"driver_age": 50,
"annual_miles": 16000,
"vehicle_age": 7,
"incidents_5yr": 2,
"exposure_count": 1
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 116868,
"final_premium_cents": 108687,
"breakdown": [
{
"step": "BASE",
"code": "base",
"detail": "base_rate $900",
"factor": null,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "tier:PINE",
"detail": "tier factor ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 90000
},
{
"step": "BASE",
"code": "region:R-SW",
"detail": "region factor ×1.12",
"factor": 1.12,
"amount_cents": null,
"running_cents": 100800
},
{
"step": "BASE",
"code": "term",
"detail": "6mo proration ×0.5",
"factor": 0.5,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:driver_age",
"detail": "driver_age=50 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 50400
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=616 ×1.22",
"factor": 1.22,
"amount_cents": null,
"running_cents": 61488
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=16000 ×1.2",
"factor": 1.2,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=7 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 73786
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=2 ×1.55",
"factor": 1.55,
"amount_cents": null,
"running_cents": 114368
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 116868
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 108687
}
]
}Absolutely, Raymond — I pulled up your Austin AUTO policy: POL-legacy-mismatch-p_auto.
For the next 6‑month term, priced as of 2025-06-01:
- Current (INSTALLMENTS): $1,204.68
- If you pay in full (PAY_IN_FULL): $1,086.87
- Estimated savings: $117.81
What’s driving the difference: paying in full applies a paid-in-full discount (shown as DISCOUNT “PAID_IN_FULL”), which reduces your installment surcharge total.
If you’d like, tell me whether you want to switch the billing plan for this upcoming term (I can help with that).
Perfect — that's exactly what I needed. So if I pay in full at renewal, I'm looking at $117.81 saved per term. That's really helpful. I'm gonna think it over before my renewal comes up, but I appreciate you getting me the actual number. I'm not making any changes today though. Thanks for the help!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re welcome, Raymond — I’m glad the numbers helped.
And yes: based on the quote I ran, paying in full at renewal would save you about $117.81 per 6‑month term versus installments.
When you’re ready (closer to renewal), just reach out and we can switch your billing plan if you want. Have a great day!