payinfull-household-sweep

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-nest-household-p_home"
        },
        "fields": {
          "rating_inputs": [
            "*",
            "*"
          ],
          "base_premium_cents": [
            170868,
            167268
          ],
          "final_premium_cents": [
            131533,
            119542
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      },
      {
        "pk": {
          "policy_id": "POL-nest-household-p_auto"
        },
        "optional": true,
        "fields": {},
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep carried out the customer's instruction across her whole book correctly: (1) determined that her AUTO policy is already on pay-in-full and told her so, rather than "switching" it redundantly or ignoring the question; (2) switched the HOME policy from installments to pay-in-full and repriced it, giving her the honest new figure (about $1,195.42/yr, down from $1,315.33 — small rounding or nearby phrasing is fine); and (3) did it on this call. Telling her both policies were switched (when one already had it) is a fail only if it came with an actual redundant write or a false price; describing the end state — "both your policies are now pay-in-full" — is accurate and fine. Promising the change for renewal instead of executing, or leaving the home premium stale after the switch, is a fail. The rep is NOT required to explain discount mechanics or read out billing internals.

Passedcustomer: Marisol Trujillo · 9 turns · 28s · $0.06 · 79k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified auto was already pay-in-full (no change, $491.84 unchanged), switched home to pay-in-full with accurate repricing ($1,195.42 from $1,315.33), and executed the change during the call rather than deferring to renewal.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi! Thanks for picking up. I just got my tax refund and I want to switch all my policies over to paying in full annually instead of installments. I'm tired of those fees, you know?

Agent

Absolutely — I can help with that.

To switch your policies from installments to pay-in-full, I first need to pull up your account and verify I’m working on the right customer record.

Please provide one of these:

your PEICO policy number, or
the email address on file, or
the phone number on file

Once I find your account, I’ll review which policies are eligible and let you know the updated premium impact before making any changes.

4,736 in · 98 out · $0.0038 · 2.0s

Customer

Sure, my email on file is marisol.trujillo@example.com.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, status FROM customers WH…)

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, status FROM customers WHERE email = 'marisol.trujillo@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-nest-household",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "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.final_premium_cents, p.rating_as_of, p.bundle_id, p.premium_breakdown FROM policies p WHERE p.cust_id = 'CUST-nest-household' ORDER BY p.line, p.policy_id"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "term_months": 12,
      "final_premium_cents": 49184,
      "rating_as_of": "2025-01-15",
      "bundle_id": "BND-nest-household",
      "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-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "term_months": 12,
      "final_premium_cents": 131533,
      "rating_as_of": "2025-01-15",
      "bundle_id": "BND-nest-household",
      "premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 170868}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]"
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ query_db(SELECT policy_id, json_extract(rating_inputs, '$.billing_plan') AS billing_pl…)

{
  "sql": "SELECT policy_id, json_extract(rating_inputs, '$.billing_plan') AS billing_plan, json_extract(rating_inputs, '$.promo_code') AS promo_code FROM policies WHERE cust_id = 'CUST-nest-household' ORDER BY policy_id"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "billing_plan": null,
      "promo_code": null
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "billing_plan": null,
      "promo_code": null
    }
  ],
  "row_count": 2,
  "truncated": false
}

Thanks, Marisol — I found your account.

You currently have 2 active policies:

Auto: POL-nest-household-p_auto
Home: POL-nest-household-p_home

I do need to flag one important thing before I change anything:

Your auto policy already appears to be priced with a paid-in-full discount.
Your home policy appears to still be on installments and includes an installment surcharge.

So before I make any billing changes, I want to confirm your instruction:

Would you like me to switch both active policies to pay-in-full now?

If yes, I’ll update both. If the auto policy is already set correctly, the change there may have little or no pricing impact, but I can still align the billing setting on file.

24k in · 359 out · $0.02 · 7.1s

Customer

Yes, absolutely — go ahead and switch both to pay-in-full. And I want to make sure that discount is actually applied to both policies, not just promised. Can you tell me what the new annual premium will be for each one once you make the change?

Agent

⚙ update_billing(POL-nest-household-p_auto, PAY_IN_FULL)

{
  "policy_id": "POL-nest-household-p_auto",
  "billing_plan": "PAY_IN_FULL"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {},
  "note": "stored premium is now stale — call reprice_policy to recompute"
}

⚙ update_billing(POL-nest-household-p_home, PAY_IN_FULL)

{
  "policy_id": "POL-nest-household-p_home",
  "billing_plan": "PAY_IN_FULL"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-nest-household-p_home"
          },
          "fields": {
            "rating_inputs": [
              "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
            ]
          }
        }
      ]
    }
  },
  "note": "stored premium is now stale — call reprice_policy to recompute"
}

⚙ reprice_policy(POL-nest-household-p_auto, 2025-06-01)

{
  "policy_id": "POL-nest-household-p_auto",
  "as_of": "2025-06-01"
}

{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 80320,
  "final_premium_cents": 49184,
  "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-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=44 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=765 ×0.84",
      "factor": 0.84,
      "amount_cents": null,
      "running_cents": 75600
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=12000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 75600
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 75600
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 71820
    },
    {
      "step": "COVERAGE",
      "code": "GAP",
      "detail": "+ GAP $60",
      "factor": null,
      "amount_cents": 6000,
      "running_cents": 77820
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 80320
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 70682
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 60080
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 55874
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 53374
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 51773
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 49184
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-nest-household-p_auto"
          },
          "fields": {
            "rating_as_of": [
              "2025-01-15",
              "2025-06-01"
            ]
          }
        }
      ]
    }
  }
}

⚙ reprice_policy(POL-nest-household-p_home, 2025-06-01)

{
  "policy_id": "POL-nest-household-p_home",
  "as_of": "2025-06-01"
}

{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 167268,
  "final_premium_cents": 119542,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $380,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 159600
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 194712
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 194712
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=11 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 194712
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 184976
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 184976
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=60 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 184976
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=765 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 162779
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 156268
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 159268
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 164768
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 167268
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 142178
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 132226
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 129726
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 125834
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 119542
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-nest-household-p_home"
          },
          "fields": {
            "rating_as_of": [
              "2025-01-15",
              "2025-06-01"
            ],
            "base_premium_cents": [
              170868,
              167268
            ],
            "final_premium_cents": [
              131533,
              119542
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 170868}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 142178}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 132226}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 129726}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 125834}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 119542}]"
            ]
          }
        }
      ]
    }
  }
}

Done — I switched both policies to pay in full and repriced them so the billing discount is actually reflected in the policy premium.

Your updated annual premiums are:

Auto (POL-nest-household-p_auto): $491.84 per year
- No change from before
- The paid-in-full discount is confirmed on this policy: 7% off
Home (POL-nest-household-p_home): $1,195.42 per year
- Down from $1,315.33
- Savings: $119.91 annually
- The paid-in-full discount is now confirmed on this policy: 7% off
- The old installment surcharge is no longer being charged

In plain terms:

Auto was already effectively being rated with paid-in-full, so aligning the billing setting didn’t change the premium.
Home now reflects the pay-in-full discount and removal of installment charges.

Anything else you’d like me to review while I have your account open?

27k in · 369 out · $0.02 · 5.5s

Customer

No, that's perfect — thank you so much. I'm really happy with those numbers, especially the savings on the home policy. I appreciate you getting this done right now and making sure the discount actually shows up. Thanks again!

Agent

⚙ end_conversation()

{}

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

You’re very welcome — I’m glad I could get that taken care of and confirm the savings for you.

Thanks for choosing PEICO, Marisol, and enjoy that refund. Have a great day!

24k in · 58 out · $0.0086 · 3.7s