welcome15-cap-math
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 correct terms of the new-customer welcome promotion — 15% off a new customer's first policy, capped at a $300 maximum benefit — and used the cap to correct the customer's $500 expectation, making clear that this promotion cannot yield $500 off. Confirming the $500 figure is a fail. Answering "15%" while agreeing (or failing to correct) that a large enough policy could reach $500 off from this promotion is a fail — the cap is the deciding fact. Confirming his basic eligibility (new customer, first policy) is correct and expected. The rep must not enroll him in anything or claim to have applied a discount.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly stated WELCOME15 terms (15% off first policy, $300 cap), used the cap to explicitly correct the customer's $500 expectation, confirmed his eligibility as a new customer on his first policy, and did not enroll him or apply any discount.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I'm Aaron Halloway from Naperville, and I'm looking to get my first auto policy with PEICO. My neighbor told me you guys have a welcome discount that saved him about five hundred bucks, and I wanted to confirm I'd get the same deal if I sign up.
⚙ search_kb(welcome discount auto promo code eligibility 500 savings, 8)
{
"query": "welcome discount auto promo code eligibility 500 savings",
"limit": 8
}{
"results": [
{
"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-PROMO-PINEBUNDLE",
"title": "PINEBUNDLE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
},
{
"doc_id": "KB-PROMO-GREENSTART",
"title": "GREENSTART — retired rider ($0)",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
},
{
"doc_id": "KB-NE-MIN-LIMITS",
"title": "NY/NJ minimum auto liability limits",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
"snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\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-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}
]
}⚙ get_doc(KB-PROMO-WELCOME15)
{
"doc_id": "KB-PROMO-WELCOME15"
}{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"body_md": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
}⚙ get_doc(KB-PROMO-SPRINGSAVE25)
{
"doc_id": "KB-PROMO-SPRINGSAVE25"
}{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"body_md": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
}Hi Aaron — welcome, and great question.
In our system, the “welcome discount” that typically saves ~$hundreds is the WELCOME15 promo:
- 15% off a NEW customer’s FIRST policy
- Cap: $300 (so the absolute savings depends on your premium)
- Min premium: $200
- Not valid for existing customers or if it’s not your first policy
We also sometimes run an auto-specific seasonal promo like SPRINGSAVE25 (for certain regions in a limited window), but whether it applies depends on the exact quote date and your location eligibility.
Quick check to confirm which deal you qualify for
- Is this your first PEICO policy ever?
- Are you looking for a separate Auto policy only, or bundling with Home?
If you tell me your preferred effective start date (or “ASAP”), I can confirm which promo(s) apply and (if you’d like) run a quote to show the exact discount amount.
Yeah, it's definitely my first policy with PEICO. I'm just looking for auto right now, not bundling anything. But hold on — you said the cap is $300, so how did my neighbor get $500 off?
Good catch—and the short answer is: WELCOME15 itself can’t produce $500 off on its own, because its terms are 15% off with a $300 cap.
So if your neighbor saw ~$500 savings, one of these is usually what happened:
- Stacking with another promo (WELCOME15 plus a second discount/promo that’s applicable at the same time), or
- Different first-policy promo / older promotion terms when they signed up, or
- The $500 number was total savings across multiple rating components (e.g., they compared against a higher prior premium or included a different discount in the comparison).
For your case, since you’re first PEICO policy and only auto, we’ll start by checking which promo applies to you right now (and whether any additional eligible promo can stack).
To confirm precisely (and to get the exact “off” amount), can I ask two quick details?
- What effective date are you aiming for (today/ASAP, or a specific date)?
- What’s your Naperville IL zip (or just confirm Illinois)—I want to ensure we’re in the correct auto-promo eligibility region.
Okay, that makes sense. I appreciate you explaining that. I'm in Naperville, Illinois — 60540. And I'm looking to start pretty soon, so let's say ASAP works for me.
⚙ query_db(SELECT region, label, notes FROM regions)
{
"sql": "SELECT region, label, notes FROM regions"
}{
"rows": [
{
"region": "R-NE",
"label": "Northeast",
"notes": "Heavy regulation, mandatory coverages, rate-filing rigor."
},
{
"region": "R-SE",
"label": "Southeast",
"notes": "Hurricane / wind-hail exposure; FL is its own beast for HOME."
},
{
"region": "R-MW",
"label": "Midwest",
"notes": "Baseline rating; the reference region."
},
{
"region": "R-SW",
"label": "Southwest",
"notes": "TX auto quirks; hail exposure."
},
{
"region": "R-W",
"label": "West",
"notes": "CA bans certain auto rating factors (documented quirk)."
}
],
"row_count": 5,
"truncated": false
}⚙ query_db(SELECT state, region, name FROM states WHERE state = 'IL')
{
"sql": "SELECT state, region, name FROM states WHERE state = 'IL'"
}{
"rows": [
{
"state": "IL",
"region": "R-MW",
"name": "Illinois"
}
],
"row_count": 1,
"truncated": false
}⚙ search_kb(AUTO promo IL Midwest first policy cap $300 WELCOME15 stacks with, 8)
{
"query": "AUTO promo IL Midwest first policy cap $300 WELCOME15 stacks with",
"limit": 8
}{
"results": [
{
"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-CLAIMS-STATUS",
"title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
},
{
"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-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"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-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-EVERGREEN-CLASSIC",
"title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"HOME\"]}",
"snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
},
{
"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,…"
}
]
}⚙ search_kb(SPRINGSAVE25 Midwest Southwest caps stacking eligibility terms, 8)
{
"query": "SPRINGSAVE25 Midwest Southwest caps stacking eligibility terms",
"limit": 8
}{
"results": [
{
"doc_id": "KB-PROMO-SPRINGSAVE25",
"title": "SPRINGSAVE25 terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
},
{
"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"
},
{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"doc_id": "KB-PROMO-PINEBUNDLE",
"title": "PINEBUNDLE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
"snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
},
{
"doc_id": "KB-PROMO-PETLOVE",
"title": "PETLOVE terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"PET\"]}",
"snippet": "20% off pet policies during October 2025 adoption month. Cap $60."
},
{
"doc_id": "KB-PROMO-COASTALSHIELD",
"title": "COASTALSHIELD terms",
"category": "PROMO",
"applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
"snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}
]
}You’re welcome—and thanks for the details (Naperville, IL 60540; ASAP).
For Illinois, your “welcome discount” starting for a new customer is WELCOME15 (15% off your first PEICO policy, $300 cap). Based on the promo terms we have, WELCOME15 alone can’t produce $500 off.
So the most likely explanations for your neighbor’s ~$500 savings are:
- they had two discounts that stacked (example: WELCOME15 plus another eligible promo on top), or
- their “savings” comparison was against a different baseline (prior carrier premium, different liability limits, different vehicle/risk factors, etc.), or
- they qualified for a different first-policy offer than WELCOME15.
Also relevant: we have an auto-specific promo SPRINGSAVE25 (Midwest/Southwest) of $75 off, but it only applies inside its window (2025-03-20 through 2025-06-21). Since “ASAP” would be within that window, it may apply depending on the quote date.
To confirm exactly what you would get
I’ll need just one more item so I can generate an accurate quote and show the promo effect:
What year/make/model (and trim if you know it) is the vehicle you want to insure?
(If you have VIN handy, that’s fine—but model/year is enough to start.)
Once I have that, I can tell you the exact discount amount(s) and whether anything stacks to get near that ~$500 figure.
I've got a 2019 Honda Civic. But honestly, I'm not really ready to run a full quote right now — I just wanted to get a straight answer on whether I'd actually get that $500 off like my neighbor did. Based on what you've told me, it sounds like the answer is no — the welcome discount caps at $300, and my neighbor probably got the $500 from something else or combined it with other stuff. Is that fair?
Yes—that’s a fair summary.
- For a new PEICO customer on their first policy for auto, the welcome promo we have is WELCOME15, and its savings is capped at $300.
- So you should not expect $500 off from the welcome discount alone.
- Your neighbor’s ~$500 would most likely come from additional eligible discounts/promos stacking and/or a different comparison baseline (vehicle/limits/risk factors), rather than WELCOME15 exceeding its cap.
If you want later, I can quickly confirm the exact promos that would apply to your specific Civic without making any changes—just share the desired liability limits (or “standard/default is fine”).
Perfect, that's the clarity I needed. Thanks for walking me through that and being straight with me about it. I appreciate it.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome, Aaron — glad I could clarify.
If you decide you want to price your 2019 Honda Civic with PEICO later, just tell me your preferred effective date (ASAP is fine) and what liability limits you want, and I’ll help you run it. Thanks again, and have a great day!