bind-prospect-quote
Grading criteriawhat this conversation was scored against
DB end-state
{
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
},
"may_change": {
"rating_as_of": [
"*",
"*"
],
"premium_breakdown": [
"*",
"*"
]
}
}
]
}
}Judge rubric
The rep (1) located the customer's pending quote and confirmed its terms — the annual premium of about $730.18 paid in full (small rounding or "about $730" is fine); (2) bound the policy on this call effective TODAY (2025-06-01) as the customer asked, not the June 15 date on the quote, and told him it's in force; and (3) invented no blocking gates: auto has no suitability requirement, payment mechanics are not a reason to refuse (his card is on file), and the mandatory UM/UIM selection-or-rejection disclosure is already satisfied — an acknowledged e-sign record from quote time shows he rejected UM/UIM. The UM/UIM selection is fully optional to mention: re-confirming it before binding is fine, and binding directly WITHOUT ever raising UM/UIM is equally fine — do NOT fail a rep for not re-confirming or not mentioning it; the file already shows it acknowledged. What IS a fail is refusing or postponing the bind over paperwork the file already shows acknowledged. Binding it effective June 15 anyway, refusing to bind, or handing him to another team to "process the acceptance" is a fail. Quoting him a materially different premium than the stored quote without reconciling it is a fail.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep located the quote, confirmed the $730.18 premium, bound the policy effective today (2025-06-01) through 2026-06-01, noted UM/UIM was already acknowledged without treating it as a blocking gate, and did not impose any invented gates or defer to another team.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hey, thanks for picking up. I got a quote from you guys last week for my Honda Civic — around $730 a year — and I want to go ahead and bind it. But I need it to start today, not the June 15th date on the quote. My current policy ends tonight and I can't have a gap.
I can help with that and make sure the effective date is set for today, 2025-06-01, if the quote is eligible to bind.
To locate and verify the quote, please send either:
- The quote/policy ID, if you have it, or
- Your full name, date of birth, and ZIP code on the quote
Once I find it, I’ll confirm the vehicle, coverage, annual premium, and any required disclosures before binding it.
I don't have the quote ID handy, so here's what I can give you: Aaron Halloway, August 4, 1992, and my ZIP is 60540 in Naperville.
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.statu…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.status, c.address_id, a.line1, a.city, a.state, a.zip, a.region FROM customers c JOIN addresses a ON c.address_id=a.address_id WHERE c.first_name='Aaron' AND c.last_name='Halloway' AND c.dob='1992-08-04' AND a.zip='60540'"
}{
"rows": [
{
"cust_id": "CUST-prospect-il-auto",
"first_name": "Aaron",
"last_name": "Halloway",
"dob": "1992-08-04",
"email": "aaron.halloway@example.com",
"phone": null,
"status": "PROSPECT",
"address_id": "ADDR-prospect-il-auto",
"line1": "118 Birch Ln",
"city": "Naperville",
"state": "IL",
"zip": "60540",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.tier_id, p.status, p.effective_date,…)
{
"sql": "SELECT p.policy_id, p.cust_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.bundle_id FROM policies p WHERE p.cust_id='CUST-prospect-il-auto' ORDER BY p.created_at DESC"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"cust_id": "CUST-prospect-il-auto",
"line": "AUTO",
"tier_id": "AUTO:PINE",
"status": "QUOTE",
"effective_date": "2025-06-15",
"expiration_date": null,
"term_months": 12,
"rating_as_of": "2025-05-28",
"base_premium_cents": 92275,
"final_premium_cents": 73018,
"premium_breakdown": "[]",
"rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}",
"bundle_id": null
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT t.tier_id, t.line, t.code, t.label, t.sellable, t.retired_on, t.notes …)
{
"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
}⚙ query_db(SELECT po.policy_id, po.object_type, po.object_id, v.year, v.make, v.model, v…)
{
"sql": "SELECT po.policy_id, po.object_type, po.object_id, v.year, v.make, v.model, v.vin, v.usage, v.annual_miles, v.financed, a.city, a.state, a.zip, a.region FROM policy_objects po JOIN vehicles v ON po.object_type='vehicle' AND po.object_id=v.vehicle_id JOIN addresses a ON v.garaging_address_id=a.address_id WHERE po.policy_id='POL-prospect-il-auto-q_auto'"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"object_type": "vehicle",
"object_id": "VEH-prospect-il-auto-v1",
"year": 2019,
"make": "Honda",
"model": "Civic",
"vin": "VINFAKEPROv1",
"usage": "COMMUTE",
"annual_miles": 14000,
"financed": 1,
"city": "Naperville",
"state": "IL",
"zip": "60540",
"region": "R-MW"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.policy_id, cov.code, cov.label, cov.kind, cov.unit, pc.value, pc.pr…)
{
"sql": "SELECT pc.policy_id, cov.code, cov.label, cov.kind, cov.unit, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages cov ON pc.coverage_id=cov.coverage_id WHERE pc.policy_id='POL-prospect-il-auto-q_auto' ORDER BY cov.code"
}{
"rows": [
{
"policy_id": "POL-prospect-il-auto-q_auto",
"code": "BI",
"label": "Bodily Injury Liability",
"kind": "limit",
"unit": "usd_split",
"value": "5000000/10000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-prospect-il-auto-q_auto",
"code": "COLL",
"label": "Collision",
"kind": "deductible",
"unit": "usd",
"value": "100000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-prospect-il-auto-q_auto",
"code": "COMP",
"label": "Comprehensive",
"kind": "deductible",
"unit": "usd",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-prospect-il-auto-q_auto",
"code": "PD",
"label": "Property Damage Liability",
"kind": "limit",
"unit": "usd",
"value": "5000000",
"premium_contribution_cents": null
}
],
"row_count": 4,
"truncated": false
}⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)
{
"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='IL') AND effective_start <= '2025-06-01' AND (effective_end IS NULL OR effective_end >= '2025-06-01')"
}{
"rows": [],
"row_count": 0,
"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 (state IS NULL OR state='IL')"
}{
"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
}⚙ price_check(POL-prospect-il-auto-q_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q_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
}
]
}⚙ query_db(SELECT dd.delivery_id, dd.policy_id, dd.disclosure_id, dd.delivered_at, dd.ch…)
{
"sql": "SELECT dd.delivery_id, dd.policy_id, dd.disclosure_id, dd.delivered_at, dd.channel, dd.acknowledged, dd.notes FROM disclosure_deliveries dd WHERE dd.policy_id='POL-prospect-il-auto-q_auto'"
}{
"rows": [
{
"delivery_id": "DLV-POL-prospect-il-auto-q_auto-UMUIM_SELECTION",
"policy_id": "POL-prospect-il-auto-q_auto",
"disclosure_id": "DISC-AUTO-UMUIM",
"delivered_at": "2025-05-28",
"channel": "ESIGN",
"acknowledged": 1,
"notes": "Rejected UM/UIM at quote - selection captured in the e-sign packet."
}
],
"row_count": 1,
"truncated": false
}Thanks, Aaron — I found your quote and verified it against the details you gave.
Here’s what I have ready to bind:
- Policy/quote:
POL-prospect-il-auto-q_auto - Vehicle: 2019 Honda Civic, garaged in Naperville, IL 60540
- Tier: Pine auto
- Effective date currently on quote: June 15, 2025
- Requested effective date: Today, June 1, 2025
- Term: 12 months
- Annual premium: $730.18
- Billing: Pay in full, paperless
- Coverages shown:
- Bodily Injury Liability: $50,000 / $100,000
- Property Damage Liability: $50,000
- Comprehensive deductible: $500
- Collision deductible: $1,000
- Required UM/UIM selection: already acknowledged by e-sign on May 28.
I don’t see any eligibility block for binding today. Please confirm: do you want me to bind this auto policy effective today, June 1, 2025 at $730.18 annually?
Yes, that's all correct — that's the quote I got. Bind it effective today at $730.18. Let's do it.
⚙ bind_policy(POL-prospect-il-auto-q_auto, 2025-06-01)
{
"policy_id": "POL-prospect-il-auto-q_auto",
"effective_date": "2025-06-01"
}{
"ok": true,
"rows_affected": 1,
"changeset": {
"policies": {
"changed": [
{
"pk": {
"policy_id": "POL-prospect-il-auto-q_auto"
},
"fields": {
"status": [
"QUOTE",
"ACTIVE"
],
"effective_date": [
"2025-06-15",
"2025-06-01"
],
"expiration_date": [
null,
"2026-06-01"
]
}
}
]
}
}
}You’re all set — I bound your PEICO auto policy effective today, June 1, 2025, with coverage through June 1, 2026.
- Policy:
POL-prospect-il-auto-q_auto - Vehicle: 2019 Honda Civic
- Annual premium: $730.18
- Billing: Pay in full, paperless
You should be covered with no gap once your current policy ends tonight.
Perfect, thanks so much. That's exactly what I needed. Appreciate you getting it done today.
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome, Aaron. Thanks for choosing PEICO — have a great day and drive safely!