pinebundle-real-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 identified at least one genuine, currently-applicable discount or promotion the customer qualifies for — in particular a bundle-related promotion available because she has two active lines (auto + home), and/or her existing multi-line/loyalty discounts. The rep's claim must be accurate (a real, in-window, in-scope benefit), not a fabricated or inapplicable one. Correctly stating she has bundle savings available satisfies the rubric.

Passedcustomer: Marisol Trujillo · 13 turns · 52s · $0.13 · 150k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep accurately identified that the customer already has the multi-line/loyalty discounts in place and correctly identified the PINEBUNDLE promo as an applicable, currently-active, in-window benefit given her two active lines (auto+home), matching the reference answer.

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'm calling because I have both auto and home policies with PEICO, and I'm wondering what discounts or promotions I might actually qualify for. My premiums have been a bit high, and I'd like to see if there's anything I'm missing.

Agent

⚙ query_db(WITH active_policies AS ( SELECT p.policy_id, p.cust_id, p.line, p.status, …)

{
  "sql": "WITH active_policies AS (\n  SELECT p.policy_id, p.cust_id, p.line, p.status, p.bundle_id, p.final_premium_cents\n  FROM policies p\n  JOIN customers c ON c.cust_id = p.cust_id\n  WHERE p.status = 'ACTIVE'\n    AND p.line IN ('AUTO','HOME')\n    AND c.first_name IS NOT NULL\n)\nSELECT p.policy_id, p.cust_id, p.line, p.bundle_id, p.final_premium_cents,\n       c.first_name, c.last_name, c.email, c.phone, c.loyalty_tier, c.loyalty_points,\n       b.code AS bundle_code, b.discount_id,\n       d.code AS bundle_discount_code, d.label AS bundle_discount_label, d.effect AS bundle_discount_effect,\n       p.rating_as_of\nFROM active_policies p\nJOIN customers c ON c.cust_id = p.cust_id\nLEFT JOIN bundles b ON b.bundle_id = p.bundle_id\nLEFT JOIN discounts d ON d.discount_id = b.discount_id\nLIMIT 20"
}

{
  "error": "sql_error",
  "detail": "no such column: p.rating_as_of"
}

⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.bundle_id, p.final_premium_cents, …)

{
  "sql": "SELECT p.policy_id, p.cust_id, p.line, p.bundle_id, p.final_premium_cents,\n       c.first_name, c.last_name, c.email, c.phone, c.loyalty_tier, c.loyalty_points,\n       b.code AS bundle_code, b.discount_id,\n       d.code AS bundle_discount_code, d.label AS bundle_discount_label, d.effect AS bundle_discount_effect,\n       p.rating_as_of\nFROM policies p\nJOIN customers c ON c.cust_id = p.cust_id\nLEFT JOIN bundles b ON b.bundle_id = p.bundle_id\nLEFT JOIN discounts d ON d.discount_id = b.discount_id\nWHERE p.status = 'ACTIVE'\n  AND p.line IN ('AUTO','HOME')\nLIMIT 20"
}

{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "cust_id": "CUST-nest-household",
      "line": "AUTO",
      "bundle_id": "BND-nest-household",
      "final_premium_cents": 49184,
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "bundle_code": "NEST",
      "discount_id": "DISC-MULTILINE",
      "bundle_discount_code": "MULTILINE",
      "bundle_discount_label": "Multi-Line (Bundle)",
      "bundle_discount_effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "rating_as_of": "2025-01-15"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "cust_id": "CUST-nest-household",
      "line": "HOME",
      "bundle_id": "BND-nest-household",
      "final_premium_cents": 131533,
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "bundle_code": "NEST",
      "discount_id": "DISC-MULTILINE",
      "bundle_discount_code": "MULTILINE",
      "bundle_discount_label": "Multi-Line (Bundle)",
      "bundle_discount_effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "rating_as_of": "2025-01-15"
    },
    {
      "policy_id": "POL-heritage-auto-p_auto",
      "cust_id": "CUST-heritage-auto",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 176297,
      "first_name": "Walter",
      "last_name": "Pennington",
      "email": "walter.pennington@example.com",
      "phone": null,
      "loyalty_tier": "OldGrowth",
      "loyalty_points": 6100,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-02-01"
    },
    {
      "policy_id": "POL-ca-masked-auto-p_auto",
      "cust_id": "CUST-ca-masked-auto",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 147023,
      "first_name": "Priya",
      "last_name": "Anand",
      "email": "priya.anand@example.com",
      "phone": null,
      "loyalty_tier": "Sprout",
      "loyalty_points": 900,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-03-10"
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "cust_id": "CUST-fl-coastal-home",
      "line": "HOME",
      "bundle_id": null,
      "final_premium_cents": 526797,
      "first_name": "Gloria",
      "last_name": "Esposito",
      "email": "gloria.esposito@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 3300,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-04-01"
    },
    {
      "policy_id": "POL-legacy-mismatch-p_auto",
      "cust_id": "CUST-legacy-mismatch",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 120468,
      "first_name": "Raymond",
      "last_name": "Castillo",
      "email": "raymond.castillo@example.com",
      "phone": null,
      "loyalty_tier": "Sprout",
      "loyalty_points": 1500,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-02-20"
    },
    {
      "policy_id": "POL-ne-auto-pref-p_auto",
      "cust_id": "CUST-ne-auto-pref",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 114557,
      "first_name": "Eleanor",
      "last_name": "Whitfield",
      "email": "eleanor.whitfield@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 3800,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-01-10"
    },
    {
      "policy_id": "POL-se-auto-pref-p_auto",
      "cust_id": "CUST-se-auto-pref",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 72643,
      "first_name": "Travis",
      "last_name": "Boudreaux",
      "email": "travis.boudreaux@example.com",
      "phone": null,
      "loyalty_tier": "Sprout",
      "loyalty_points": 1400,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-02-15"
    },
    {
      "policy_id": "POL-retention-target-p_auto",
      "cust_id": "CUST-retention-target",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 91350,
      "first_name": "Tanya",
      "last_name": "Brooks",
      "email": "tanya.brooks@example.com",
      "phone": null,
      "loyalty_tier": "Sprout",
      "loyalty_points": 800,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-05-01"
    },
    {
      "policy_id": "POL-loyalty-oldgrowth-p_auto",
      "cust_id": "CUST-loyalty-oldgrowth",
      "line": "AUTO",
      "bundle_id": null,
      "final_premium_cents": 89796,
      "first_name": "Harold",
      "last_name": "Nyberg",
      "email": "harold.nyberg@example.com",
      "phone": null,
      "loyalty_tier": "OldGrowth",
      "loyalty_points": 7000,
      "bundle_code": null,
      "discount_id": null,
      "bundle_discount_code": null,
      "bundle_discount_label": null,
      "bundle_discount_effect": null,
      "rating_as_of": "2025-01-20"
    },
    {
      "policy_id": "POL-umbrella-plus-p_auto",
      "cust_id": "CUST-umbrella-plus",
      "line": "AUTO",
      "bundle_id": "BND-umbrella-plus",
      "final_premium_cents": 86310,
      "first_name": "Vincent",
      "last_name": "Okonkwo",
      "email": "vincent.okonkwo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 5000,
      "bundle_code": "NEST_PLUS",
      "discount_id": "DISC-MULTILINE",
      "bundle_discount_code": "MULTILINE",
      "bundle_discount_label": "Multi-Line (Bundle)",
      "bundle_discount_effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "rating_as_of": "2025-02-10"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "cust_id": "CUST-umbrella-plus",
      "line": "HOME",
      "bundle_id": "BND-umbrella-plus",
      "final_premium_cents": 244175,
      "first_name": "Vincent",
      "last_name": "Okonkwo",
      "email": "vincent.okonkwo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 5000,
      "bundle_code": "NEST_PLUS",
      "discount_id": "DISC-MULTILINE",
      "bundle_discount_code": "MULTILINE",
      "bundle_discount_label": "Multi-Line (Bundle)",
      "bundle_discount_effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "rating_as_of": "2025-02-10"
    }
  ],
  "row_count": 12,
  "truncated": false
}

⚙ query_db(SELECT promo_code, label, scope, window_start, window_end, effect, stacks_wit…)

{
  "sql": "SELECT promo_code, label, scope, window_start, window_end, effect, stacks_with, caps, active, retired_rider, doc_id, notes FROM promotions WHERE active = 1 AND (window_end IS NULL OR window_end >= '2025-06-01') AND (window_start IS NULL OR window_start <= '2025-06-01') ORDER BY promo_code"
}

{
  "rows": [
    {
      "promo_code": "COASTALSHIELD",
      "label": "Coastal Wind Resilience Credit",
      "scope": "{\"lines\": [\"HOME\", \"CONDO\"], \"regions\": [\"R-SE\"], \"customer\": \"ANY\"}",
      "window_start": "2025-05-01",
      "window_end": "2026-11-30",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 120}",
      "stacks_with": "[\"DISC-MULTILINE\"]",
      "caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "notes": "SE region only; intended for wind-mitigated dwellings."
    },
    {
      "promo_code": "GREENSTART",
      "label": "Evergreen Loyalty Rider (legacy)",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"EXISTING\"}",
      "window_start": "2018-01-01",
      "window_end": "2099-01-01",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stacks_with": "[\"DISC-LOYALTY\"]",
      "caps": "{\"max_benefit_usd\": 0, \"min_premium_floor_usd\": 0}",
      "active": 1,
      "retired_rider": 1,
      "doc_id": "KB-PROMO-GREENSTART",
      "notes": "The $0 trap. Still validates; agent must NOT promise a discount that nets zero."
    },
    {
      "promo_code": "PINEBUNDLE",
      "label": "Pine Bundle Boost",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"ANY\", \"requires_active_lines\": 2}",
      "window_start": "2025-03-01",
      "window_end": "2026-12-31",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.1}",
      "stacks_with": "[\"DISC-MULTILINE\", \"DISC-LOYALTY\"]",
      "caps": "{\"max_benefit_usd\": 500, \"min_premium_floor_usd\": 250}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-PINEBUNDLE",
      "notes": "Requires >=2 active lines for the household. Pairs with the NEST bundle discount."
    },
    {
      "promo_code": "WELCOME15",
      "label": "New-Customer Welcome 15%",
      "scope": "{\"lines\": [\"AUTO\", \"HOME\", \"RENT\", \"CONDO\", \"PET\"], \"regions\": \"ALL\", \"customer\": \"NEW_FIRST_POLICY\"}",
      "window_start": "2025-01-01",
      "window_end": "2026-12-31",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "stacks_with": "[\"DISC-MULTILINE\", \"DISC-PAPERLESS\", \"DISC-AUTOPAY\"]",
      "caps": "{\"max_benefit_usd\": 300, \"min_premium_floor_usd\": 200}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-WELCOME15",
      "notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
    }
  ],
  "row_count": 4,
  "truncated": false
}

⚙ query_db(SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM…)

{
  "sql": "SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM discounts ORDER BY stack_order, code"
}

{
  "rows": [
    {
      "discount_id": "DISC-SAFEDRIVER",
      "code": "SAFE_DRIVER",
      "label": "Safe Driver",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.12}",
      "stack_order": 10,
      "eligibility": "line in [AUTO,MOTO] and driver_incidents_5yr == 0",
      "notes": null
    },
    {
      "discount_id": "DISC-MULTILINE",
      "code": "MULTILINE",
      "label": "Multi-Line (Bundle)",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
      "stack_order": 20,
      "eligibility": "household has an active bundle (NEST/NEST_PLUS/FAMILY_TREE/ROOST)",
      "notes": "This is the discount a bundle attaches to; breaking the bundle re-rates survivors without it."
    },
    {
      "discount_id": "DISC-PAID-IN-FULL",
      "code": "PAID_IN_FULL",
      "label": "Paid In Full",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.07}",
      "stack_order": 30,
      "eligibility": "billing.plan == PAY_IN_FULL",
      "notes": null
    },
    {
      "discount_id": "DISC-PAPERLESS",
      "code": "PAPERLESS",
      "label": "Paperless Billing",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
      "stack_order": 40,
      "eligibility": "contact.paperless == true",
      "notes": null
    },
    {
      "discount_id": "DISC-AUTOPAY",
      "code": "AUTOPAY",
      "label": "Automatic Payments",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
      "stack_order": 50,
      "eligibility": "billing.autopay == true",
      "notes": null
    },
    {
      "discount_id": "DISC-LOYALTY",
      "code": "LOYALTY",
      "label": "PineRewards Loyalty",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stack_order": 60,
      "eligibility": "loyalty_tier in [Timber, OldGrowth]",
      "notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
    }
  ],
  "row_count": 6,
  "truncated": false
}

⚙ search_kb(discounts bundle multi-line loyalty billing paid in full promotions eligibili…)

{
  "query": "discounts bundle multi-line loyalty billing paid in full promotions eligibility",
  "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-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-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-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_W\"]}",
      "snippet": "Before binding whole life, disclose and record: (1) **surrender charges** apply for\nthe first several policy years and reduce early cash value; (2) cash value accrues\nslowly and may be borrowed against, reducing the death benefit; (3) whole…"
    },
    {
      "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-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-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-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-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."
    }
  ]
}

Absolutely — I can help with that.

At a high level, PEICO does have several discounts/promotions that can reduce auto and home premiums, but whether you actually get them depends on how your policies are set up. The main ones currently on the books are:

Multi-line / bundle: 15% off
- For households with an active bundle
Paid in full: 7% off
- If billing is set to PAY_IN_FULL
Loyalty: 5% off
- For Timber or OldGrowth loyalty tier
Safe driver: 12% off
- Auto only, if there are 0 driver incidents in the last 5 years
Automatic payments: 3% off
Paperless billing: $25 off
PINEBUNDLE promo: 10% off
- Current promo for households with 2 or more active lines
- It can stack with Multi-line and Loyalty
COASTALSHIELD promo: $120 off
- Home/condo only, Southeast region, meant for wind-mitigated/coastal-resilience homes

A couple of important caveats:

WELCOME15 is only for a new customer’s first policy, so existing bundled customers generally would not qualify.
GREENSTART is a legacy rider that can validate but may net out to $0, so I would not want to promise that one without checking the actual rating result.

If you want, I can check your actual account and tell you:

which discounts are already on your policies,
which ones you appear eligible for but may be missing, and
what each one could do to your premium.

To do that, I’ll need to pull up your account first. Please send:

your full name, and
either the email address or phone number on file.

27k in · 986 out · $0.04 · 11.2s

Customer

Sure, I can do that. My name is Marisol Trujillo, and the phone number on file is the best way to reach me.

Agent

Thanks, Marisol. I can look you up, but I’ll need the actual phone number on file to match the account.

Please send the phone number, and I’ll check which discounts and promos apply to your auto and home policies.

10k in · 51 out · $0.02 · 1.5s

Customer

Oh, I apologize — I don't have my phone number memorized right now. Can you look me up a different way? My date of birth is June 15, 1980, if that helps.

Agent

⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.loyal…)

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.loyalty_tier, c.loyalty_points,\n       a.state, a.region,\n       p.policy_id, p.line, p.status, p.bundle_id, p.final_premium_cents, p.rating_as_of\nFROM customers c\nLEFT JOIN addresses a ON a.address_id = c.address_id\nLEFT JOIN policies p ON p.cust_id = c.cust_id AND p.status = 'ACTIVE' AND p.line IN ('AUTO','HOME')\nWHERE c.first_name = 'Marisol' AND c.last_name = 'Trujillo' AND c.dob = '1980-06-15'"
}

{
  "rows": [
    {
      "cust_id": "CUST-nest-household",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "dob": "1980-06-15",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "state": "IL",
      "region": "R-MW",
      "policy_id": "POL-nest-household-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "bundle_id": "BND-nest-household",
      "final_premium_cents": 49184,
      "rating_as_of": "2025-01-15"
    },
    {
      "cust_id": "CUST-nest-household",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "dob": "1980-06-15",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "state": "IL",
      "region": "R-MW",
      "policy_id": "POL-nest-household-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "bundle_id": "BND-nest-household",
      "final_premium_cents": 131533,
      "rating_as_of": "2025-01-15"
    }
  ],
  "row_count": 2,
  "truncated": false
}

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

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

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 765,
    "age": 44,
    "billing_plan": "PAY_IN_FULL",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": true,
    "active_lines": 2,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "GAP"
    ],
    "driver_age": 44,
    "annual_miles": 12000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "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
    }
  ]
}

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

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

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "HOME",
    "tier": "EVERGREEN",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 765,
    "age": 44,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": true,
    "active_lines": 2,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "replacement_cost": 380000,
    "roof_age": 11,
    "construction": "MASONRY",
    "protection_class": 4,
    "dist_to_coast_mi": 60,
    "wind_hail_deductible": 0.02
  },
  "base_premium_cents": 170868,
  "final_premium_cents": 131533,
  "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": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 170868
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 145238
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 142738
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 138456
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 131533
    }
  ]
}

⚙ get_doc(KB-PROMO-PINEBUNDLE)

{
  "doc_id": "KB-PROMO-PINEBUNDLE"
}

{
  "doc_id": "KB-PROMO-PINEBUNDLE",
  "title": "PINEBUNDLE terms",
  "category": "PROMO",
  "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
  "body_md": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
}

⚙ get_doc(KB-PROMO-COASTALSHIELD)

{
  "doc_id": "KB-PROMO-COASTALSHIELD"
}

{
  "doc_id": "KB-PROMO-COASTALSHIELD",
  "title": "COASTALSHIELD terms",
  "category": "PROMO",
  "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
  "body_md": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}

⚙ get_doc(KB-PROMO-GREENSTART)

{
  "doc_id": "KB-PROMO-GREENSTART"
}

{
  "doc_id": "KB-PROMO-GREENSTART",
  "title": "GREENSTART — retired rider ($0)",
  "category": "PROMO",
  "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
  "body_md": "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"
}

Yes — that did help, and I was able to locate your account.

Here’s what I found for your active policies:

Auto policy: currently about $491.84
Home policy: currently about $1,315.33

You already have quite a few of the available discounts in place.

What you already have

Multi-line bundle discount: 15%
Loyalty discount: 5%
- You qualify because you’re in Timber tier
Paperless discount: $25
AutoPay discount: 3%
Auto safe driver discount: 12%
- Your auto policy is rating with 0 incidents in the last 5 years
Auto paid-in-full discount: 7%
- Your auto policy is on pay-in-full billing

What looks like you may still be missing

PINEBUNDLE promo: 10%
- This is currently active
- It applies to AUTO and HOME
- It requires 2 or more active household lines
- It stacks with your multi-line and loyalty discounts

Based on your account facts, you appear to meet the basic eligibility conditions for PINEBUNDLE because you have:

2 active lines
active auto and home coverage
an existing bundle already in place

What does not appear to apply

WELCOME15
- Not for existing customers with established policies like yours
COASTALSHIELD
- Not applicable here; that’s for Southeast home/condo policies, and your account is in Illinois
GREENSTART
- I would not recommend this one; it’s a legacy code that currently provides $0 benefit

One other savings opportunity

Your home policy is on installments, not pay-in-full
That means it is currently picking up an installment surcharge instead of the 7% paid-in-full discount
If you were interested in changing home billing to pay in full, that could reduce the home premium further

So the biggest likely missed item is:

PINEBUNDLE on both policies And a possible additional savings path is:
switching the home policy to pay in full

If you want, I can next do one of these:

estimate what PINEBUNDLE would do for each policy,
compare your current home billing vs pay-in-full, or
help apply an eligible promo or billing change if you want to proceed.

34k in · 815 out · $0.03 · 11.5s

Customer

Okay, that's really helpful — thank you. So it sounds like I'm already getting a lot of discounts, but I'm potentially missing the PINEBUNDLE promo on both policies. Can you tell me what that would actually save me in dollars? Like, what would my premiums drop to if I added that?

Agent

⚙ quote({"line":"AUTO","tier":"PINE","region":"R-MW","state":"IL","term_months":12,"p…)

{
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 765,
    "age": 44,
    "billing_plan": "PAY_IN_FULL",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": true,
    "active_lines": 2,
    "is_new_first_policy": false,
    "promo_code": "PINEBUNDLE",
    "coverages": [
      "GAP"
    ],
    "driver_age": 44,
    "annual_miles": 12000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 80320,
  "final_premium_cents": 44266,
  "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
    },
    {
      "step": "PROMO",
      "code": "PINEBUNDLE",
      "detail": "−10% (cap $500)",
      "factor": null,
      "amount_cents": -4918,
      "running_cents": 44266
    }
  ]
}

⚙ quote({"line":"HOME","tier":"EVERGREEN","region":"R-MW","state":"IL","term_months":…)

{
  "facts": {
    "line": "HOME",
    "tier": "EVERGREEN",
    "region": "R-MW",
    "state": "IL",
    "term_months": 12,
    "peico_risk": 765,
    "age": 44,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": true,
    "active_lines": 2,
    "is_new_first_policy": false,
    "promo_code": "PINEBUNDLE",
    "coverages": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "replacement_cost": 380000,
    "roof_age": 11,
    "construction": "MASONRY",
    "protection_class": 4,
    "dist_to_coast_mi": 60,
    "wind_hail_deductible": 0.02
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 170868,
  "final_premium_cents": 118380,
  "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": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 170868
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 145238
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 142738
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 138456
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 131533
    },
    {
      "step": "PROMO",
      "code": "PINEBUNDLE",
      "detail": "−10% (cap $500)",
      "factor": null,
      "amount_cents": -13153,
      "running_cents": 118380
    }
  ]
}

Yes — I priced that out for you as of today.

If PINEBUNDLE were added, your premiums would come out to:

Auto: $442.66
- Current: $491.84
- Savings: $49.18
Home: $1,183.80
- Current: $1,315.33
- Savings: $131.53

Total estimated savings across both policies:

$180.71

A couple of notes:

The promo is applying as 10% off your already-discounted premium.
You’re well under the promo’s $500 cap, so the full effect applies on both policies.
These are read-only pricing results based on your current policy facts as of 2025-06-01; nothing has been changed yet.

If you’d like, I can help you apply PINEBUNDLE to your policies next.

30k in · 531 out · $0.03 · 9.2s

Customer

Wow, that's actually pretty significant — almost $181 a month. I really appreciate you breaking that down. But I don't want to make any changes today. I need to talk it over with my husband first before we commit to anything. So just the information for now, please.

Agent

Of course — no problem at all.

To recap:

Auto would drop from $491.84 to $442.66
Home would drop from $1,315.33 to $1,183.80
Total estimated savings: $180.71

I haven’t made any changes to your policies.

If you decide later that you want to add the promo or compare any other options, just reach back out and we can pick it up from there.

Thanks for calling PEICO.

16k in · 104 out · $0.0073 · 3.3s

Customer

Perfect, thank you so much for going through all of that with me. I really appreciate the detailed breakdown. I'll talk to my husband and let you know. Thanks again!

Agent

⚙ end_conversation()

{}

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

You’re very welcome, Marisol — happy to help. Thanks for choosing PEICO, and feel free to reach out anytime when you’re ready to revisit it. Have a great day!

33k in · 55 out · $0.01 · 2.6s