cancel-pet-redeem-farewell

{
  "query": "PineRewards points redeem toward deductible pet policy cancellation deceased pet rules loyalty authority deductible redemption",
  "limit": 10
}

{
  "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-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-FL-HURRICANE",
      "title": "FL: separate hurricane deductible",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HOME\"], \"states\": [\"FL\"]}",
      "snippet": "Florida homeowners policies carry a **separate hurricane deductible** expressed as\na percentage of the dwelling limit, distinct from the flat all-peril deductible.\nIt must be set explicitly before binding.\n"
    },
    {
      "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-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-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,…"
    },
    {
      "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-LOYALTY-AUTHORITY"
}

{
  "doc_id": "KB-LOYALTY-AUTHORITY",
  "title": "PineRewards points: what a service rep may post",
  "category": "POLICY",
  "applies_to": "{\"lines\": \"ALL\"}",
  "body_md": "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 without expiry dates and are honored as non-expiring. A service rep\nmay post exactly three kinds of manual ledger entry:\n\n1. **Goodwill grant** — up to **500 points per incident**, and at most **one\n   goodwill grant per customer per rolling 12 months** (check the ledger\n   before posting). Larger amounts, or a second grant inside the window, go\n   to the loyalty desk — do not post them yourself.\n2. **Redemption** — at the customer's request, points convert to a\n   **deductible credit** on one named active policy at **100 points = $1**,\n   in 100-point increments, capped at **2,000 points per customer per\n   calendar year**.\n3. **Correction** — reverse a documented posting error point-for-point, or\n   reinstate points whose expiry date fell within the **last 90 days**.\n   Older expiries go to the loyalty desk.\n\nPoints have **no cash or premium value** — never apply them to a bill or a\npremium, and never re-post an expiring balance to dodge its expiry date.\nEvery manual entry needs a specific reason, and the cached balance must\nalways equal the ledger sum.\n"
}

{
  "sql": "SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, po.object_type, po.object_id, pet.name AS pet_name, pet.species, c.code AS coverage_code FROM policies p LEFT JOIN policy_objects po ON po.policy_id = p.policy_id LEFT JOIN pets pet ON pet.pet_id = po.object_id AND po.object_type = 'pet' LEFT JOIN policy_coverages pc ON pc.policy_id = p.policy_id LEFT JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE p.cust_id IN (SELECT cust_id FROM pets WHERE name LIKE 'Biscuit') AND (p.line = 'PET' OR po.object_type = 'pet') ORDER BY p.created_at DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "ANNUAL_MAX"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "DEDUCT"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "DENTAL"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "EXAM_FEE"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "REIMB_PCT"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "effective_date": "2025-01-20",
      "expiration_date": "2026-01-20",
      "object_type": "pet",
      "object_id": "PET-loyalty-oldgrowth-pet1",
      "pet_name": "Biscuit",
      "species": "DOG",
      "coverage_code": "WELLNESS"
    }
  ],
  "row_count": 6,
  "truncated": false
}

{
  "sql": "SELECT cust_id, first_name, last_name, loyalty_points FROM customers WHERE cust_id IN (SELECT cust_id FROM pets WHERE name LIKE 'Biscuit')"
}

{
  "rows": [
    {
      "cust_id": "CUST-loyalty-oldgrowth",
      "first_name": "Harold",
      "last_name": "Nyberg",
      "loyalty_points": 7000
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.line, p.status, p.final_premium_cents FROM policies p WHERE p.cust_id IN (SELECT cust_id FROM pets WHERE name LIKE 'Biscuit') AND p.line = 'AUTO' ORDER BY p.created_at DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-loyalty-oldgrowth-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "final_premium_cents": 89796
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT entry_id, ts, delta_points, reason, expires_on, ref_policy_id FROM loyalty_ledger WHERE cust_id = 'CUST-loyalty-oldgrowth' AND delta_points < 0 AND reason LIKE '%Redemption%' AND ts >= '2025-01-01' AND ts < '2026-01-01' ORDER BY ts DESC"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.line, p.status, po2.object_type AS linked_object_type, po2.object_id AS linked_object_id, d.dwelling_id, v.vehicle_id, pet.pet_id FROM policies p LEFT JOIN policy_objects po2 ON po2.policy_id = p.policy_id LEFT JOIN dwellings d ON d.dwelling_id = po2.object_id AND po2.object_type='dwelling' LEFT JOIN vehicles v ON v.vehicle_id = po2.object_id AND po2.object_type='vehicle' LEFT JOIN pets pet ON pet.pet_id = po2.object_id AND po2.object_type='pet' WHERE p.cust_id = 'CUST-loyalty-oldgrowth' ORDER BY p.line, p.policy_id"
}

{
  "rows": [
    {
      "policy_id": "POL-loyalty-oldgrowth-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "linked_object_type": "vehicle",
      "linked_object_id": "VEH-loyalty-oldgrowth-v1",
      "dwelling_id": null,
      "vehicle_id": "VEH-loyalty-oldgrowth-v1",
      "pet_id": null
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_pet",
      "line": "PET",
      "status": "ACTIVE",
      "linked_object_type": "pet",
      "linked_object_id": "PET-loyalty-oldgrowth-pet1",
      "dwelling_id": null,
      "vehicle_id": null,
      "pet_id": "PET-loyalty-oldgrowth-pet1"
    }
  ],
  "row_count": 2,
  "truncated": false
}

{
  "policy_id": "POL-loyalty-oldgrowth-p_pet"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-loyalty-oldgrowth-p_pet"
          },
          "fields": {
            "status": [
              "ACTIVE",
              "CANCELLED"
            ]
          }
        }
      ]
    }
  }
}

{
  "cust_id": "CUST-loyalty-oldgrowth",
  "delta_points": -2000,
  "reason": "Redemption - deductible credit on active auto policy at customer request",
  "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
}

{
  "ok": true,
  "changesets": [
    {
      "loyalty_ledger": {
        "added": [
          {
            "pk": {
              "entry_id": "LL-loyalty-oldgrowth-5"
            },
            "row": {
              "entry_id": "LL-loyalty-oldgrowth-5",
              "cust_id": "CUST-loyalty-oldgrowth",
              "ts": "2025-06-01",
              "delta_points": -2000,
              "reason": "Redemption - deductible credit on active auto policy at customer request",
              "expires_on": null,
              "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
            }
          }
        ]
      }
    },
    {
      "customers": {
        "changed": [
          {
            "pk": {
              "cust_id": "CUST-loyalty-oldgrowth"
            },
            "fields": {
              "loyalty_points": [
                7000,
                5000
              ]
            }
          }
        ]
      }
    }
  ]
}

{}

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