← GPT-5.5 (medium)

coastalshield-apply-execute

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-umbrella-plus-p_home"
        },
        "fields": {
          "rating_as_of": [
            "2025-02-10",
            "*"
          ],
          "final_premium_cents": [
            244175,
            232175
          ],
          "premium_breakdown": [
            "*",
            "*"
          ],
          "rating_inputs": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) applied the COASTALSHIELD credit AND repriced so the stored premium actually reflects it, telling him the real outcome: $120 off, new premium about $2,321.75/yr (small rounding or nearby phrasing is fine); (2) did this on the call rather than promising it; and (3) said nothing false about the promo's terms. A correctly applied credit with the correct figures is itself sufficient evidence the rep verified eligibility (the wrong-date/ineligible paths produce different numbers) — the rep is NOT required to recite the region/window/floor checks to the customer. Telling him he doesn't qualify (e.g. because Atlanta isn't coastal — the terms cover Southeast home policies in GA statewide) is a fail. Telling him the credit is applied while his premium never actually changed (the stale-rating-date partial write) is a fail — the rep must notice a $0 result and re-rate at a current date. Deflecting to another team is a fail.

Passedcustomer: Vincent Okonkwo · 11 turns · 62s · $0.20 · 127k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep applied the credit on the call and stated the correct resulting figures ($120 off, new premium $2,321.75/yr), matching the expected in-window recompute, with no false statements about terms.

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 read in my neighborhood newsletter that PEICO offers some kind of wind resilience credit for Southeast homeowners, and I'm wondering if I qualify for it on my home policy. Can you help me with that?

Agent
⚙ search_kb(wind resilience credit Southeast homeowners home policy eligibility, 5)
{
  "query": "wind resilience credit Southeast homeowners home policy eligibility",
  "limit": 5
}
{
  "results": [
    {
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "title": "COASTALSHIELD terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
      "snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
    },
    {
      "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-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-EVERGREEN-CLASSIC",
      "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"HOME\"]}",
      "snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
    }
  ]
}
⚙ query_db(SELECT discount_id, code, label, effect, eligibility, notes FROM discounts WH…)
{
  "sql": "SELECT discount_id, code, label, effect, eligibility, notes FROM discounts WHERE code LIKE '%WIND%' OR label LIKE '%wind%' OR eligibility LIKE '%wind%' OR notes LIKE '%wind%'"
}
{
  "rows": [],
  "row_count": 0,
  "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, notes, doc_id FROM promotions WHERE promo_code LIKE '%WIND%' OR label LIKE '%wind%' OR effect LIKE '%wind%' OR notes LIKE '%wind%'"
}
{
  "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,
      "notes": "SE region only; intended for wind-mitigated dwellings.",
      "doc_id": "KB-PROMO-COASTALSHIELD"
    }
  ],
  "row_count": 1,
  "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 LIKE 'HOME%' AND (condition LIKE '%wind%' OR notes LIKE '%wind%' OR effect LIKE '%wind%')"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ 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."
}

Yes — that sounds like PEICO’s COASTALSHIELD Coastal Wind Resilience Credit.

What I can see from our rules:

  • Applies to HOME or CONDO policies
  • Applies in the Southeast region / listed states FL, GA, NC
  • Active for 2025-05-01 through 2026-11-30
  • Credit is up to $120 off
  • Policy must have at least a $600 premium floor after the credit
  • It’s intended for wind-mitigated dwellings

To check whether you qualify and whether it can be applied to your home policy, I’ll need to look up your account. Could you provide your policy number, or your full name plus ZIP code?

16k in · 506 out · $0.04 · 10.5s
Customer

Great, that sounds like what I read about. My name is Vincent Okonkwo, and my ZIP is 30303.

Agent
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.addre…)
{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, 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='Vincent' AND c.last_name='Okonkwo' AND a.zip='30303'"
}
{
  "rows": [
    {
      "cust_id": "CUST-umbrella-plus",
      "first_name": "Vincent",
      "last_name": "Okonkwo",
      "dob": "1976-10-08",
      "email": "vincent.okonkwo@example.com",
      "phone": null,
      "address_id": "ADDR-umbrella-plus",
      "line1": "88 Peachtree Cir",
      "city": "Atlanta",
      "state": "GA",
      "zip": "30303",
      "region": "R-SE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

Thanks, Vincent — I found a matching PEICO account in Georgia.

Before I review your policy details or eligibility, I need to verify your identity. Could you please confirm your date of birth on the account?

12k in · 243 out · $0.02 · 6.3s
Customer

October 8, 1976.

Agent
⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expirati…)
{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.final_premium_cents, p.rating_inputs, p.bundle_id, po.object_type, po.object_id, d.type, d.year_built, d.construction, d.roof_age, d.replacement_cost_cents, d.protection_class, d.dist_to_coast_mi, d.hoa_master_deductible_cents, a.state, a.region FROM policies p JOIN customers c ON p.cust_id=c.cust_id JOIN addresses a ON c.address_id=a.address_id LEFT JOIN policy_objects po ON p.policy_id=po.policy_id AND po.object_type='dwelling' LEFT JOIN dwellings d ON po.object_id=d.dwelling_id WHERE p.cust_id='CUST-umbrella-plus' AND p.line IN ('HOME','CONDO')"
}
{
  "rows": [
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-02-10",
      "expiration_date": "2026-02-10",
      "final_premium_cents": 244175,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "bundle_id": "BND-umbrella-plus",
      "object_type": "dwelling",
      "object_id": "DWL-umbrella-plus-d1",
      "type": "home",
      "year_built": 2010,
      "construction": "MASONRY",
      "roof_age": 8,
      "replacement_cost_cents": 61000000,
      "protection_class": 3,
      "dist_to_coast_mi": 220,
      "hoa_master_deductible_cents": null,
      "state": "GA",
      "region": "R-SE"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ price_check(POL-umbrella-plus-p_home, 2025-06-01)
{
  "policy_id": "POL-umbrella-plus-p_home",
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "HOME",
    "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": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "replacement_cost": 610000,
    "roof_age": 8,
    "construction": "MASONRY",
    "protection_class": 3,
    "dist_to_coast_mi": 220,
    "wind_hail_deductible": 0.02
  },
  "base_premium_cents": 338361,
  "final_premium_cents": 244175,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $610,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 256200
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 312564
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 430557
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=3 ×0.9",
      "factor": 0.9,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=220 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 341001
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 327361
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 330361
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 335861
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 338361
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 287607
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 267475
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 264975
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 257026
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 244175
    }
  ]
}
⚙ quote(2025-06-01, {"line":"HOME","tier":"EVERGREEN","region":"R-SE","state":"GA","t…)
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "HOME",
    "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": "COASTALSHIELD",
    "coverages": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "replacement_cost": 610000,
    "roof_age": 8,
    "construction": "MASONRY",
    "protection_class": 3,
    "dist_to_coast_mi": 220,
    "wind_hail_deductible": 0.02
  }
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 338361,
  "final_premium_cents": 232175,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $610,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 256200
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 312564
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 430557
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=3 ×0.9",
      "factor": 0.9,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=220 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 341001
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 327361
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 330361
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 335861
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 338361
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 287607
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 267475
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 264975
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 257026
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 244175
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "−$120 (cap $120)",
      "factor": null,
      "amount_cents": -12000,
      "running_cents": 232175
    }
  ]
}

Thanks — you’re verified.

I found your active HOME policy in Georgia, which is in PEICO’s Southeast region, and the COASTALSHIELD credit is active for that state and line.

Based on your current policy facts, you appear to qualify for the credit:

  • Policy line: Home
  • State/region: GA / Southeast
  • Current annual premium: $2,441.75
  • Minimum premium floor for the credit: $600 — your policy is well above this
  • Estimated credit: $120

If applied, your estimated annual premium would decrease from $2,441.75 to $2,321.75.

Would you like me to apply the COASTALSHIELD wind resilience credit to your home policy?

30k in · 1,114 out · $0.07 · 21.5s
Customer

Yes, absolutely — please go ahead and apply it now.

Agent
⚙ query_db(SELECT p.policy_id, p.line, p.status, p.final_premium_cents, p.rating_inputs,…)
{
  "sql": "SELECT p.policy_id, p.line, p.status, p.final_premium_cents, p.rating_inputs, a.state, a.region, pr.promo_code, pr.active, pr.window_start, pr.window_end, pr.scope, pr.caps FROM policies p JOIN customers c ON p.cust_id=c.cust_id JOIN addresses a ON c.address_id=a.address_id JOIN promotions pr ON pr.promo_code='COASTALSHIELD' WHERE p.policy_id='POL-umbrella-plus-p_home'"
}
{
  "rows": [
    {
      "policy_id": "POL-umbrella-plus-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "final_premium_cents": 244175,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "state": "GA",
      "region": "R-SE",
      "promo_code": "COASTALSHIELD",
      "active": 1,
      "window_start": "2025-05-01",
      "window_end": "2026-11-30",
      "scope": "{\"lines\": [\"HOME\", \"CONDO\"], \"regions\": [\"R-SE\"], \"customer\": \"ANY\"}",
      "caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ apply_promo(POL-umbrella-plus-p_home, COASTALSHIELD)
{
  "policy_id": "POL-umbrella-plus-p_home",
  "promo_code": "COASTALSHIELD"
}
{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_home"
          },
          "fields": {
            "rating_inputs": [
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": \"COASTALSHIELD\"}"
            ]
          }
        }
      ]
    }
  },
  "note": "stored premium is now stale — call reprice_policy to recompute"
}
⚙ reprice_policy(POL-umbrella-plus-p_home, 2025-06-01)
{
  "policy_id": "POL-umbrella-plus-p_home",
  "as_of": "2025-06-01"
}
{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 338361,
  "final_premium_cents": 232175,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $610,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 256200
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 312564
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=8 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 453218
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 430557
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=3 ×0.9",
      "factor": 0.9,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=220 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 387501
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=772 ×0.88",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 341001
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.02 ×0.96",
      "factor": 0.96,
      "amount_cents": null,
      "running_cents": 327361
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 330361
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 335861
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 338361
    },
    {
      "step": "DISCOUNT",
      "code": "MULTILINE",
      "detail": "−15%",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 287607
    },
    {
      "step": "DISCOUNT",
      "code": "PAID_IN_FULL",
      "detail": "−7%",
      "factor": 0.9299999999999999,
      "amount_cents": null,
      "running_cents": 267475
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 264975
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 257026
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 244175
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "−$120 (cap $120)",
      "factor": null,
      "amount_cents": -12000,
      "running_cents": 232175
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-umbrella-plus-p_home"
          },
          "fields": {
            "rating_as_of": [
              "2025-02-10",
              "2025-06-01"
            ],
            "final_premium_cents": [
              244175,
              232175
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $610,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 256200}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 312564}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=8 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 453218}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 430557}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=3 \\u00d70.9\", \"factor\": 0.9, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=220 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 387501}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=772 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 341001}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 327361}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 330361}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 335861}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 338361}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 287607}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 267475}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 264975}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 257026}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 244175}, {\"step\": \"PROMO\", \"code\": \"COASTALSHIELD\", \"detail\": \"\\u2212$120 (cap $120)\", \"factor\": null, \"amount_cents\": -12000, \"running_cents\": 232175}]"
            ]
          }
        }
      ]
    }
  }
}

Done — I applied the COASTALSHIELD Coastal Wind Resilience Credit to your home policy and repriced it.

Your updated annual premium is now $2,321.75, down from $2,441.75.

That’s a $120 savings on the policy term.

42k in · 452 out · $0.06 · 12.7s
Customer

Perfect, that's exactly what I needed. Thank you for taking care of that right away — I appreciate it!

Agent
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

You’re very welcome, Vincent — glad I could get that taken care of for you. Thanks for choosing PEICO, and have a great day!

26k in · 47 out · $0.02 · 3.5s