← GPT-5.4 (none)

umbrella-underlying-cancel-reprice

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-umbrella-plus-p_auto"
        },
        "fields": {
          "status": [
            "ACTIVE",
            "CANCELLED"
          ]
        }
      },
      {
        "pk": {
          "policy_id": "POL-umbrella-plus-p_umbr"
        },
        "fields": {
          "base_premium_cents": [
            41422,
            35518
          ],
          "final_premium_cents": [
            27870,
            23570
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      },
      {
        "pk": {
          "policy_id": "POL-umbrella-plus-p_home"
        },
        "optional": true,
        "fields": {},
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) cancelled the customer's AUTO policy as requested — and ONLY the auto; the home and umbrella stayed in force; (2) verified the umbrella dependency rather than either silently ignoring it or wrongly claiming the umbrella breaks — the household's active HOME policy satisfies the underlying requirement, and the rep's answer to the customer reflected that; and (3) answered the customer's direct question about the umbrella's new price with the real repriced figure (about $235.70/yr, down from $278.70 — small rounding or nearby phrasing is fine) rather than guessing, dodging, or quoting the stale number as final. Refusing the cancellation, cancelling or "having to cancel" the umbrella or home, or telling him the umbrella is now out of compliance, is a fail. The rep is NOT required to recite the eligibility rule or the rating factors — correct actions and correct figures are themselves the evidence.

Passedcustomer: Vincent Okonkwo · 9 turns · 39s · $0.08 · 111k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep cancelled only the auto policy, correctly verified that the active home policy satisfies the umbrella's underlying requirement, and provided the correct repriced umbrella premium ($235.70, down from $278.70) upon the customer's request and confirmation.

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 need to cancel my auto policy effective today — I've already switched to another carrier and their coverage is active as of this morning. But I'm keeping my home and umbrella policies with you, and I want to make sure the umbrella stays valid after I drop the auto. Can you help me with that?

Agent
⚙ search_kb(umbrella underlying auto required cancel auto keep home umbrella validity rul…)
{
  "query": "umbrella underlying auto required cancel auto keep home umbrella validity rules",
  "limit": 5
}
{
  "results": [
    {
      "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-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-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-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…"
    }
  ]
}
⚙ get_doc(KB-UMBR-UNDERLYING)
{
  "doc_id": "KB-UMBR-UNDERLYING"
}
{
  "doc_id": "KB-UMBR-UNDERLYING",
  "title": "Umbrella requires an underlying policy",
  "category": "UNDERWRITING",
  "applies_to": "{\"lines\": [\"UMBR\"]}",
  "body_md": "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"
}

Yes — I can help, and the key point is this:

Your umbrella does not necessarily require you to keep your PEICO auto policy specifically. Per our underwriting rule, a personal umbrella must have at least one qualifying underlying AUTO or HOME policy in force. So if you’re keeping your home policy with us, your umbrella may still remain compliant as long as that home policy qualifies.

Before I cancel the auto, I need to verify exactly which policies are yours and make sure the umbrella won’t be left without a qualifying underlying policy.

Please send one of these so I can locate your account:

  • your policy number, or
  • your full name + date of birth, or
  • your legacy account number.
16k in · 217 out · $0.01 · 7.3s
Customer

Okay, that makes sense — thanks for checking. My name is Vincent Okonkwo, and my date of birth is October 8, 1976. That should pull it up.

Agent
⚙ query_db(SELECT cust_id, first_name, last_name, dob, status FROM customers WHERE first…)
{
  "sql": "SELECT cust_id, first_name, last_name, dob, status FROM customers WHERE first_name = 'Vincent' AND last_name = 'Okonkwo' AND dob = '1976-10-08'"
}
{
  "rows": [
    {
      "cust_id": "CUST-umbrella-plus",
      "first_name": "Vincent",
      "last_name": "Okonkwo",
      "dob": "1976-10-08",
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(WITH cust_policies AS (SELECT p.policy_id, p.line, p.status, p.effective_date…)
{
  "sql": "WITH cust_policies AS (SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.final_premium_cents, p.created_at FROM policies p WHERE p.cust_id = 'CUST-umbrella-plus') SELECT cp.policy_id, cp.line, cp.status, cp.effective_date, cp.expiration_date, cp.final_premium_cents, cp.created_at, t.code AS tier_code, t.label AS tier_label FROM cust_policies cp LEFT JOIN tiers t ON t.tier_id = (SELECT tier_id FROM policies WHERE policy_id = cp.policy_id) ORDER BY cp.line, cp.created_at"
}
{
  "rows": [
    {
      "policy_id": "POL-umbrella-plus-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 86310,
      "created_at": "2025-06-01",
      "tier_code": "EVERGREEN",
      "tier_label": "Evergreen"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 244175,
      "created_at": "2025-06-01",
      "tier_code": "EVERGREEN",
      "tier_label": "Evergreen"
    },
    {
      "policy_id": "POL-umbrella-plus-p_umbr",
      "line": "UMBR",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 27870,
      "created_at": "2025-06-01",
      "tier_code": "EVERGREEN",
      "tier_label": "Evergreen"
    }
  ],
  "row_count": 3,
  "truncated": false
}
⚙ query_db(SELECT pc.policy_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN …)
{
  "sql": "SELECT pc.policy_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-umbrella-plus-p_home' ORDER BY c.code"
}
{
  "rows": [
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "value": "10000000"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "value": "100000"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "value": null
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "value": "50000000"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "value": null
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "value": "500000"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "value": null
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "value": "true"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "value": "1000000"
    },
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "value": "0.02"
    }
  ],
  "row_count": 10,
  "truncated": false
}

I found your account, and I verified you currently have:

  • Auto: POL-umbrella-plus-p_auto
  • Home: POL-umbrella-plus-p_home
  • Umbrella: POL-umbrella-plus-p_umbr

Good news: your home policy is active, and it carries Personal Liability coverage. That means cancelling the auto should not automatically invalidate your umbrella under the underlying-policy rule, because you would still have a qualifying PEICO home policy in force.

Before I process it, I need your final confirmation:

Do you want me to cancel auto policy POL-umbrella-plus-p_auto effective today, 2025-06-01?

25k in · 429 out · $0.02 · 8.0s
Customer

Yes, that's correct — go ahead and cancel the auto policy effective today. And once that's done, can you tell me whether the umbrella premium changes now that it's sitting on just the home policy instead of both the auto and home? I'd like to know the new rate.

Agent
⚙ price_check(POL-umbrella-plus-p_umbr, 2025-06-01)
{
  "policy_id": "POL-umbrella-plus-p_umbr",
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "UMBR",
    "tier": "EVERGREEN",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 772,
    "age": 48,
    "billing_plan": "PAY_IN_FULL",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": true,
    "active_lines": 3,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "UM_EXCESS"
    ],
    "underlying_units": 2
  },
  "base_premium_cents": 41422,
  "final_premium_cents": 27870,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $180",
      "factor": null,
      "amount_cents": null,
      "running_cents": 18000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 27900
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.15",
      "factor": 1.15,
      "amount_cents": null,
      "running_cents": 32085
    },
    {
      "step": "RISK",
      "code": "factor:underlying_units",
      "detail": "underlying_units=2 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 38502
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.92",
      "factor": 0.92,
      "amount_cents": null,
      "running_cents": 35422
    },
    {
      "step": "COVERAGE",
      "code": "UM_EXCESS",
      "detail": "+ UM_EXCESS $35",
      "factor": null,
      "amount_cents": 3500,
      "running_cents": 38922
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 41422
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 35209
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 32744
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 30244
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 29337
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 27870
    }
  ]
}
⚙ cancel_policy(POL-umbrella-plus-p_auto)
{
  "policy_id": "POL-umbrella-plus-p_auto"
}
{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_auto"
          },
          "fields": {
            "status": [
              "ACTIVE",
              "CANCELLED"
            ]
          }
        }
      ]
    }
  }
}
⚙ query_db(SELECT COUNT(*) AS active_underlying_count FROM policies p WHERE p.cust_id = …)
{
  "sql": "SELECT COUNT(*) AS active_underlying_count FROM policies p WHERE p.cust_id = 'CUST-umbrella-plus' AND p.status = 'ACTIVE' AND p.line IN ('AUTO','HOME')"
}
{
  "rows": [
    {
      "active_underlying_count": 1
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ quote({"line":"UMBR","tier":"EVERGREEN","region":"R-SE","state":"GA","term_months":…)
{
  "facts": {
    "line": "UMBR",
    "tier": "EVERGREEN",
    "region": "R-SE",
    "state": "GA",
    "term_months": 12,
    "peico_risk": 772,
    "age": 48,
    "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": [
      "UM_EXCESS"
    ],
    "underlying_units": 1
  },
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 35518,
  "final_premium_cents": 23570,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $180",
      "factor": null,
      "amount_cents": null,
      "running_cents": 18000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 27900
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.15",
      "factor": 1.15,
      "amount_cents": null,
      "running_cents": 32085
    },
    {
      "step": "RISK",
      "code": "factor:underlying_units",
      "detail": "underlying_units=1 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 32085
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.92",
      "factor": 0.92,
      "amount_cents": null,
      "running_cents": 29518
    },
    {
      "step": "COVERAGE",
      "code": "UM_EXCESS",
      "detail": "+ UM_EXCESS $35",
      "factor": null,
      "amount_cents": 3500,
      "running_cents": 33018
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 35518
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 30190
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 28077
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 25577
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 24810
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 23570
    }
  ]
}

Done — your auto policy POL-umbrella-plus-p_auto has been cancelled effective today, 2025-06-01.

I also verified that you still have 1 active qualifying underlying policy with us — your home policy — so your umbrella remains valid after the auto cancellation.

On the umbrella premium: yes, it would change now that the umbrella is sitting over home only instead of auto + home.

  • Current umbrella premium: $278.70
  • Recalculated premium with home-only underlying: $235.70

So that’s a decrease of $43.00.

Important note: I’ve priced the umbrella based on the updated situation, but I have not changed the umbrella policy record itself, since you only asked me to tell you the new rate. If you want, I can also help explain when that new umbrella price would actually take effect operationally, but I haven’t made any further policy changes beyond the auto cancellation.

39k in · 465 out · $0.02 · 11.1s
Customer

Perfect — that's exactly what I needed to know. So my umbrella stays valid with just the home policy, and I'll save $43 a month. That's great. Yes, go ahead and apply that new umbrella premium. Thanks for walking me through all of that and making sure everything lines up.

Agent
⚙ reprice_policy(POL-umbrella-plus-p_umbr, 2025-06-01)
{
  "policy_id": "POL-umbrella-plus-p_umbr",
  "as_of": "2025-06-01"
}
{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 35518,
  "final_premium_cents": 23570,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $180",
      "factor": null,
      "amount_cents": null,
      "running_cents": 18000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 27900
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.15",
      "factor": 1.15,
      "amount_cents": null,
      "running_cents": 32085
    },
    {
      "step": "RISK",
      "code": "factor:underlying_units",
      "detail": "underlying_units=1 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 32085
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.92",
      "factor": 0.92,
      "amount_cents": null,
      "running_cents": 29518
    },
    {
      "step": "COVERAGE",
      "code": "UM_EXCESS",
      "detail": "+ UM_EXCESS $35",
      "factor": null,
      "amount_cents": 3500,
      "running_cents": 33018
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 35518
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 30190
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 28077
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 25577
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 24810
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 23570
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_umbr"
          },
          "fields": {
            "rating_as_of": [
              "2025-02-10",
              "2025-06-01"
            ],
            "base_premium_cents": [
              41422,
              35518
            ],
            "final_premium_cents": [
              27870,
              23570
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $180\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 18000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 27900}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.15\", \"factor\": 1.15, \"amount_cents\": null, \"running_cents\": 32085}, {\"step\": \"RISK\", \"code\": \"factor:underlying_units\", \"detail\": \"underlying_units=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 38502}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.92\", \"factor\": 0.92, \"amount_cents\": null, \"running_cents\": 35422}, {\"step\": \"COVERAGE\", \"code\": \"UM_EXCESS\", \"detail\": \"+ UM_EXCESS $35\", \"factor\": null, \"amount_cents\": 3500, \"running_cents\": 38922}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 41422}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 35209}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 32744}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 30244}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 29337}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 27870}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"base_rate $180\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 18000}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 27900}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.15\", \"factor\": 1.15, \"amount_cents\": null, \"running_cents\": 32085}, {\"step\": \"RISK\", \"code\": \"factor:underlying_units\", \"detail\": \"underlying_units=1 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 32085}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.92\", \"factor\": 0.92, \"amount_cents\": null, \"running_cents\": 29518}, {\"step\": \"COVERAGE\", \"code\": \"UM_EXCESS\", \"detail\": \"+ UM_EXCESS $35\", \"factor\": null, \"amount_cents\": 3500, \"running_cents\": 33018}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 35518}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 30190}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 28077}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 25577}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 24810}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 23570}]"
            ]
          }
        }
      ]
    }
  }
}
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

All set — I’ve applied the updated umbrella premium.

Your umbrella policy POL-umbrella-plus-p_umbr is now repriced as of 2025-06-01:

  • New premium: $235.70
  • Previous premium: $278.70
  • Change: $43.00 lower

And yes — your umbrella remains valid with the home policy as its qualifying underlying coverage.

Thanks for working through this with me, Vincent. We appreciate you keeping your home and umbrella with PEICO.

31k in · 169 out · $0.02 · 5.3s