bind-lease-pickup-date

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.status, c.address_id, a.state, a.region FROM customers c LEFT JOIN addresses a ON c.address_id=a.address_id WHERE c.first_name='Curtis' AND c.last_name='Boyd' AND c.dob='1996-01-09' AND c.email='curtis.boyd@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-life-missale",
      "first_name": "Curtis",
      "last_name": "Boyd",
      "dob": "1996-01-09",
      "email": "curtis.boyd@example.com",
      "phone": null,
      "status": "CUSTOMER",
      "address_id": "ADDR-life-missale",
      "state": "MA",
      "region": "R-NE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.term_months, p.rating_as_of, p.base_premium_cents, p.final_premium_cents, p.premium_breakdown, p.rating_inputs, p.created_at, p.bundle_id FROM policies p WHERE p.cust_id='CUST-life-missale' AND p.line='AUTO' ORDER BY p.created_at DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "QUOTE",
      "effective_date": "2025-12-01",
      "expiration_date": null,
      "term_months": 6,
      "rating_as_of": "2025-05-25",
      "base_premium_cents": 77292,
      "final_premium_cents": 63551,
      "premium_breakdown": "[]",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0}",
      "created_at": "2025-05-25",
      "bundle_id": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT t.tier_id, t.line, t.code, t.label, t.sellable, t.retired_on, t.notes FROM tiers t WHERE t.tier_id='AUTO:PINE'"
}

{
  "rows": [
    {
      "tier_id": "AUTO:PINE",
      "line": "AUTO",
      "code": "PINE",
      "label": "Pine",
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT po.policy_id, po.object_type, po.object_id, v.vehicle_id, v.year, v.make, v.model, v.vin, v.usage, v.annual_miles, v.financed, a.state, a.region FROM policy_objects po LEFT JOIN vehicles v ON po.object_type='vehicle' AND po.object_id=v.vehicle_id LEFT JOIN addresses a ON v.garaging_address_id=a.address_id WHERE po.policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "object_type": "vehicle",
      "object_id": "VEH-life-missale-v1",
      "vehicle_id": "VEH-life-missale-v1",
      "year": 2021,
      "make": "Volkswagen",
      "model": "Golf",
      "vin": "3VWC57BU5MM051844",
      "usage": "COMMUTE",
      "annual_miles": 10000,
      "financed": 1,
      "state": null,
      "region": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT pc.policy_id, c.coverage_id, c.code, c.label, c.kind, c.unit, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages c ON pc.coverage_id=c.coverage_id WHERE pc.policy_id='POL-life-missale-q_auto' ORDER BY c.code"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "kind": "limit",
      "unit": "usd_split",
      "value": "5000000/10000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-life-missale-q_auto",
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "kind": "deductible",
      "unit": "usd",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-life-missale-q_auto",
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "kind": "deductible",
      "unit": "usd",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-life-missale-q_auto",
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "kind": "limit",
      "unit": "usd",
      "value": "5000000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line='AUTO' AND (tier_id IS NULL OR tier_id='AUTO:PINE') AND (state IS NULL OR state='MA') AND effective_start <= '2025-12-15' AND (effective_end IS NULL OR effective_end >= '2025-12-15')"
}

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

{
  "sql": "SELECT disclosure_id, line, code, title, when_required, free_look_days, mandatory, state, condition, doc_id FROM required_disclosures WHERE line='AUTO' AND (state IS NULL OR state='MA')"
}

{
  "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": "auto quote bind future effective date quote expiration bind disclosures Massachusetts",
  "limit": 5
}

{
  "results": [
    {
      "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-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-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-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."
    },
    {
      "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,…"
    }
  ]
}

{
  "sql": "SELECT dd.delivery_id, dd.policy_id, dd.disclosure_id, rd.code, rd.title, dd.delivered_at, dd.channel, dd.acknowledged, dd.notes FROM required_disclosures rd LEFT JOIN disclosure_deliveries dd ON dd.disclosure_id=rd.disclosure_id AND dd.policy_id='POL-life-missale-q_auto' WHERE rd.line='AUTO' AND (rd.state IS NULL OR rd.state='MA')"
}

{
  "rows": [
    {
      "delivery_id": "DLV-POL-life-missale-q_auto-UMUIM_SELECTION",
      "policy_id": "POL-life-missale-q_auto",
      "disclosure_id": "DISC-AUTO-UMUIM",
      "code": "UMUIM_SELECTION",
      "title": "Uninsured/Underinsured Motorist selection or rejection",
      "delivered_at": "2025-05-25",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": "Rejected UM/UIM in the quote e-sign packet - keeping the payment low."
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "auto quote bind future effective date maximum days quote expiration",
  "limit": 8
}

{
  "results": [
    {
      "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-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-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."
    },
    {
      "doc_id": "KB-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\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-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-DISC-UMUIM",
      "title": "UM/UIM selection or rejection",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\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…"
    }
  ]
}

{
  "sql": "SELECT policy_id, rating_inputs FROM policies WHERE policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0}"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "policy_id": "POL-life-missale-q_auto",
  "effective_date": "2025-12-15"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-life-missale-q_auto"
          },
          "fields": {
            "status": [
              "QUOTE",
              "ACTIVE"
            ],
            "effective_date": [
              "2025-12-01",
              "2025-12-15"
            ],
            "expiration_date": [
              null,
              "2026-06-15"
            ]
          }
        }
      ]
    }
  }
}

{}

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