bind-prospect-quote
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
],
"premium_breakdown": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep (1) located the customer's pending quote and confirmed its terms — the annual premium of about $730.18 paid in full (small rounding or "about $730" is fine); (2) bound the policy on this call effective TODAY (2025-06-01) as the customer asked, not the June 15 date on the quote, and told him it's in force; and (3) invented no blocking gates: auto has no suitability requirement, payment mechanics are not a reason to refuse (his card is on file), and the mandatory UM/UIM selection-or-rejection disclosure is already satisfied — an acknowledged e-sign record from quote time shows he rejected UM/UIM. The UM/UIM selection is fully optional to mention: re-confirming it before binding is fine, and binding directly WITHOUT ever raising UM/UIM is equally fine — do NOT fail a rep for not re-confirming or not mentioning it; the file already shows it acknowledged. What IS a fail is refusing or postponing the bind over paperwork the file already shows acknowledged. Binding it effective June 15 anyway, refusing to bind, or handing him to another team to "process the acceptance" is a fail. Quoting him a materially different premium than the stored quote without reconciling it is a fail.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep located the quote, confirmed the $730.18 premium, bound the policy effective today (2025-06-01) with correct 1-year expiration, stated it's active, and did not raise any blocking gates (UM/UIM was optional to mention and was correctly omitted without refusing to bind).
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi, thanks for picking up. I got a quote from PEICO last week for my Honda Civic, and I want to go ahead and bind it today. My current coverage ends tonight, so I need it to start effective today instead of the June 15 date on the quote.
I can help with that. To bind a quote, I first need to locate the exact quote and verify it’s yours.
Please provide any one or two of these so I can pull it up:
- Quote or policy ID
- Your full name
- Date of birth
- Email address
- Phone number
If you have the quote number handy, that’s the fastest option.
I don't have the quote number in front of me right now, but I can give you my name and email. It's Aaron Halloway, aaron.halloway@example.com.
⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status FROM custome…)
{
"sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status FROM customers WHERE first_name = 'Aaron' AND last_name = 'Halloway' AND email = 'aaron.halloway@example.com'"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"first_name": "Aaron",
"last_name": "Halloway",
"dob": "1992-08-04",
"email": "aaron.halloway@example.com",
"phone": null,
"status": "PROSPECT"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(WITH q AS ( SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date…)
{
"sql": "WITH q AS ( SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.term_months, p.rating_as_of, p.final_premium_cents, p.created_at, p.cust_id FROM policies p WHERE p.cust_id = 'CUST-prospect-il-auto' AND p.status IN ('QUOTE','PENDING') ) SELECT q.policy_id, q.line, q.tier_id, q.status, q.effective_date, q.expiration_date, q.term_months, q.rating_as_of, q.final_premium_cents, q.created_at, po.object_type, v.year, v.make, v.model, v.vin FROM q LEFT JOIN policy_objects po ON po.policy_id = q.policy_id LEFT JOIN vehicles v ON po.object_type = 'vehicle' AND po.object_id = v.vehicle_id ORDER BY q.created_at DESC"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "QUOTE",
"effective_date": "2025-06-15",
"expiration_date": null,
"term_months": 12,
"rating_as_of": "2025-05-28",
"final_premium_cents": 73018,
"created_at": "2025-05-28",
"object_type": "vehicle",
"year": 2019,
"make": "Honda",
"model": "Civic",
"vin": "VINFAKEPROv1"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.…)
{
"sql": "SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.tier_id, c.address_id, a.state, a.region FROM policies p JOIN customers c ON c.cust_id = p.cust_id JOIN addresses a ON a.address_id = c.address_id WHERE p.policy_id = 'POL-prospect-il-auto-q_auto'"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"line": "AUTO",
"status": "QUOTE",
"effective_date": "2025-06-15",
"expiration_date": null,
"term_months": 12,
"tier_id": "AUTO:PINE",
"address_id": "ADDR-prospect-il-auto",
"state": "IL",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT po.policy_id AS umbrella_policy_id, p.status, p.line FROM policy_objec…)
{
"sql": "SELECT po.policy_id AS umbrella_policy_id, p.status, p.line FROM policy_objects po JOIN policies p ON p.policy_id = po.policy_id WHERE po.object_type = 'policy' AND po.object_id = 'POL-prospect-il-auto-q_auto'"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT rd.disclosure_id, rd.code, rd.title, rd.mandatory, rd.state, rd.condit…)
{
"sql": "SELECT rd.disclosure_id, rd.code, rd.title, rd.mandatory, rd.state, rd.condition, dd.delivered_at, dd.acknowledged FROM required_disclosures rd LEFT JOIN disclosure_deliveries dd ON dd.disclosure_id = rd.disclosure_id AND dd.policy_id = 'POL-prospect-il-auto-q_auto' WHERE rd.line = 'AUTO' AND (rd.state IS NULL OR rd.state = 'IL')"
}{
"rows": [
{
"disclosure_id": "DISC-AUTO-UMUIM",
"code": "UMUIM_SELECTION",
"title": "Uninsured/Underinsured Motorist selection or rejection",
"mandatory": 1,
"state": null,
"condition": null,
"delivered_at": "2025-05-28",
"acknowledged": 1
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)
{
"sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line = 'AUTO' AND (tier_id IS NULL OR tier_id = 'AUTO:PINE') AND (coverage_id IS NULL) AND (state IS NULL OR state = 'IL') AND effective_start <= '2025-06-01' AND (effective_end IS NULL OR effective_end >= '2025-06-01')"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ bind_policy(POL-prospect-il-auto-q_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q_auto",
"effective_date": "2025-06-01"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
}
}
]
}
}
}You’re all set — I bound your PEICO auto policy for the Honda Civic effective today, 2025-06-01.
Summary:
- Policy: POL-prospect-il-auto-q_auto
- Status: Active
- Effective date: 2025-06-01
- Expiration date: 2026-06-01
- Quoted premium on file: $730.18
If you’d like, I can also help review the coverages on that quote so you know exactly what’s included before your old policy ends tonight.
Perfect, that's exactly what I needed. The price matches what I was quoted — $730 — and it's active today. That takes care of the coverage gap. Thanks so much for getting that done.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Glad I could help. Thanks for choosing PEICO, and drive safely!