welcome15-prospect-bind-chain
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"rating_inputs": [
"*",
"*"
],
"final_premium_cents": [
73018,
62065
],
"premium_breakdown": [
"*",
"*"
],
"status": [
"QUOTE",
"ACTIVE"
],
"expiration_date": [
null,
"2026-06-01"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep completed the whole chain on this call: (1) recognized the customer qualifies for WELCOME15 (a brand-new customer binding his first policy, auto line, promo active and in window) — telling him he doesn't qualify is a fail; (2) attached the promo AND repriced so the discount actually landed, quoting the honest discounted figure (about $620.65/yr, down from $730.18 — small rounding or nearby phrasing is fine; the discount is capped so "exactly 15% off" phrasing is acceptable if the stored figure is right); and (3) bound the policy effective today so he has coverage. Binding at the undiscounted price despite his eligibility, attaching the promo without the discount ever reaching the stored premium, or ending the call with the quote unbound, is a fail. The rep is NOT required to recite the promo's terms, caps, or eligibility checks — the correct final figure on a bound policy is the evidence. Judge the FINAL spoken figures only (about $620.65, and/or savings of about $109.53 from $730.18). The rating engine's breakdown contains several intermediate notions of "base" (a raw $900 base rate before factors; a $922.75 base premium after factors), so a rep narrating the engine's steps may quote intermediates that differ from the reference framing below — that is correct, not inconsistent. Do not fail a trial whose final figures are right because its intermediate arithmetic is presented differently.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly identified eligibility, applied WELCOME15, quoted the accurate discounted price ($620.65 from $730.18), and bound the policy effective today.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi! Thanks for picking up. I'm Aaron Halloway — I've got a quote on file for my 2019 Honda Civic, and I'm ready to move forward and bind it today. But before we finalize, I saw your ad for the WELCOME15 discount — 15% off for new customers. I've never had a PEICO policy before, so I should qualify. Can you apply that to my quote first so I see the final price with the discount?
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, p…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.term_months, p.rating_as_of, p.final_premium_cents, p.bundle_id, p.created_at FROM customers c JOIN policies p ON p.cust_id = c.cust_id WHERE c.first_name = 'Aaron' AND c.last_name = 'Halloway' AND p.line = 'AUTO' AND p.status IN ('QUOTE','PENDING') ORDER BY p.created_at DESC"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"first_name": "Aaron",
"last_name": "Halloway",
"policy_id": "POL-prospect-il-auto-q2_auto",
"line": "AUTO",
"status": "QUOTE",
"effective_date": "2025-06-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": "2025-05-29",
"final_premium_cents": 73018,
"bundle_id": null,
"created_at": "2025-05-29"
}
],
"row_count": 1,
"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 promo_code = 'WELCOME15'"
}{
"rows": [
{
"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": 1,
"truncated": false
}⚙ query_db(SELECT COUNT(*) AS active_policies FROM policies WHERE cust_id = 'CUST-prospe…)
{
"sql": "SELECT COUNT(*) AS active_policies FROM policies WHERE cust_id = 'CUST-prospect-il-auto' AND status = 'ACTIVE'"
}{
"rows": [
{
"active_policies": 0
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT COUNT(*) AS legacy_policies_count FROM legacy_policies WHERE cust_id =…)
{
"sql": "SELECT COUNT(*) AS legacy_policies_count FROM legacy_policies WHERE cust_id = 'CUST-prospect-il-auto'"
}{
"rows": [
{
"legacy_policies_count": 0
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-PROMO-WELCOME15)
{
"doc_id": "KB-PROMO-WELCOME15"
}{
"doc_id": "KB-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"body_md": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
}⚙ price_check(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q2_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": 702,
"age": 32,
"billing_plan": "PAY_IN_FULL",
"autopay": false,
"paperless": true,
"loyalty_tier": null,
"status": "PROSPECT",
"has_bundle": false,
"active_lines": 0,
"is_new_first_policy": true,
"promo_code": null,
"coverages": [],
"driver_age": 32,
"annual_miles": 14000,
"vehicle_age": 6,
"incidents_5yr": 0,
"exposure_count": 1
},
"base_premium_cents": 92275,
"final_premium_cents": 73018,
"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=32 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=702 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=14000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=6 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 89775
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 92275
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 81202
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 75518
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 73018
}
]
}⚙ 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": 702,
"age": 32,
"billing_plan": "PAY_IN_FULL",
"autopay": false,
"paperless": true,
"loyalty_tier": null,
"status": "PROSPECT",
"has_bundle": false,
"active_lines": 0,
"is_new_first_policy": true,
"promo_code": "WELCOME15",
"coverages": [],
"driver_age": 32,
"annual_miles": 14000,
"vehicle_age": 6,
"incidents_5yr": 0,
"exposure_count": 1
},
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"base_premium_cents": 92275,
"final_premium_cents": 62065,
"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=32 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=702 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=14000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=6 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 89775
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 92275
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 81202
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 75518
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 73018
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "−15% (cap $300)",
"factor": null,
"amount_cents": -10953,
"running_cents": 62065
}
]
}Yes — based on what I found, you do qualify for WELCOME15 on this quote.
Your quote on file:
- Policy:
POL-prospect-il-auto-q2_auto - Line: Auto
- Status: Quote
- Current price: $730.18
I checked the promo terms and your account:
- WELCOME15 = 15% off a new customer’s first policy
- Promo window is active
- You have no active PEICO policies
- You have no legacy PEICO policies on file
With WELCOME15 applied, your quote would price at:
- New total premium: $620.65
- Savings from promo: $109.53
That reflects your existing discounts too, including:
- Safe driver
- Paid in full
- Paperless
I haven’t applied the promo to the quote yet, because that would be a write to your record. If you want, I can do that next and then bind the policy for you today.
Perfect — yeah, that's exactly what I need. Go ahead and apply the WELCOME15 discount and bind the policy for me today. I want coverage starting today at that $620.65 price.
⚙ query_db(SELECT policy_id, cust_id, line, status, effective_date, expiration_date, ter…)
{
"sql": "SELECT policy_id, cust_id, line, status, effective_date, expiration_date, term_months, rating_as_of FROM policies WHERE policy_id = 'POL-prospect-il-auto-q2_auto'"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"cust_id": "CUST-prospect-il-auto",
"line": "AUTO",
"status": "QUOTE",
"effective_date": "2025-06-01",
"expiration_date": null,
"term_months": 12,
"rating_as_of": "2025-05-29"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT disclosure_id, line, code, title, when_required, free_look_days, manda…)
{
"sql": "SELECT disclosure_id, line, code, title, when_required, free_look_days, mandatory, state, condition, doc_id FROM required_disclosures WHERE line = 'AUTO' AND mandatory = 1 AND (state = 'IL' OR state IS NULL)"
}{
"rows": [
{
"disclosure_id": "DISC-AUTO-UMUIM",
"line": "AUTO",
"code": "UMUIM_SELECTION",
"title": "Uninsured/Underinsured Motorist selection or rejection",
"when_required": "AT_BIND",
"free_look_days": null,
"mandatory": 1,
"state": null,
"condition": null,
"doc_id": "KB-DISC-UMUIM"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT delivery_id, disclosure_id, delivered_at, channel, acknowledged FROM d…)
{
"sql": "SELECT delivery_id, disclosure_id, delivered_at, channel, acknowledged FROM disclosure_deliveries WHERE policy_id = 'POL-prospect-il-auto-q2_auto'"
}{
"rows": [
{
"delivery_id": "DLV-POL-prospect-il-auto-q2_auto-UMUIM_SELECTION",
"disclosure_id": "DISC-AUTO-UMUIM",
"delivered_at": "2025-05-29",
"channel": "ESIGN",
"acknowledged": 1
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p2.policy_id, p2.line, p2.status, p2.underlying_policy_id FROM policie…)
{
"sql": "SELECT p2.policy_id, p2.line, p2.status, p2.underlying_policy_id FROM policies p2 WHERE p2.underlying_policy_id = 'POL-prospect-il-auto-q2_auto' AND p2.status IN ('ACTIVE','PENDING','QUOTE')"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ apply_promo(POL-prospect-il-auto-q2_auto, WELCOME15)
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"promo_code": "WELCOME15"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"rating_inputs": [
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}",
"{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"promo_code\": \"WELCOME15\"}"
]
}
}
]
}
},
"note": "stored premium is now stale — call reprice_policy to recompute"
}⚙ bind_policy(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"effective_date": "2025-06-01"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"expiration_date": [
null,
"2026-06-01"
]
}
}
]
}
}
}⚙ reprice_policy(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q2_auto",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"base_premium_cents": 92275,
"final_premium_cents": 62065,
"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=32 ×1.05",
"factor": 1.05,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=702 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:annual_miles",
"detail": "annual_miles=14000 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:vehicle_age",
"detail": "vehicle_age=6 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 94500
},
{
"step": "RISK",
"code": "factor:incidents_5yr",
"detail": "incidents_5yr=0 ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 89775
},
{
"step": "FEES",
"code": "policy_fee",
"detail": "+ policy fee",
"factor": null,
"amount_cents": 2500,
"running_cents": 92275
},
{
"step": "DISCOUNT",
"code": "SAFE_DRIVER",
"detail": "−12%",
"factor": 0.88,
"amount_cents": null,
"running_cents": 81202
},
{
"step": "DISCOUNT",
"code": "PAID_IN_FULL",
"detail": "−7%",
"factor": 0.9299999999999999,
"amount_cents": null,
"running_cents": 75518
},
{
"step": "DISCOUNT",
"code": "PAPERLESS",
"detail": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 73018
},
{
"step": "PROMO",
"code": "WELCOME15",
"detail": "−15% (cap $300)",
"factor": null,
"amount_cents": -10953,
"running_cents": 62065
}
],
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q2_auto"
},
"fields": {
"rating_as_of": [
"2025-05-29",
"2025-06-01"
],
"final_premium_cents": [
73018,
62065
],
"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=32 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=702 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=14000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 89775}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 92275}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 81202}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 75518}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 73018}, {\"step\": \"PROMO\", \"code\": \"WELCOME15\", \"detail\": \"\\u221215% (cap $300)\", \"factor\": null, \"amount_cents\": -10953, \"running_cents\": 62065}]"
]
}
}
]
}
}
}All set — I applied WELCOME15, bound the policy, and repriced it.
Your policy is now:
- Status: Active
- Effective date: 2025-06-01 (today)
- Expiration date: 2026-06-01
- Final premium: $620.65
That includes:
- Safe driver discount
- Paid in full discount
- Paperless discount
- WELCOME15 promo
Thanks for choosing PEICO, Aaron. If you need ID cards, coverage details, or want to review limits next, I can help with that too.
Awesome — thank you so much! That's exactly what I needed. I appreciate you getting that sorted out and getting me covered today. I'm all set for now.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could help. Thanks for choosing PEICO, and have a great day!