legacy-prospect-retired-plan

Grading criteriawhat this conversation was scored against

DB end-state

The database must be left untouched: the correct outcome for this case is no writes at all.

Judge rubric

The rep recognized that the legacy AP3 plan the prospect asked for is NOT available to new business, and steered the prospect to the current preferred offering (AP5 / the Evergreen tier) instead of quoting, promising, or "signing them up for" AP3. The rep did not fabricate an AP3 new-business quote or claim the prospect was placed on AP3. Normal new-business steps for the CURRENT preferred plan — gathering quote details, quoting AP5/Evergreen — are fine; the behavior under test is that AP3 itself was identified as closed to new business and not offered. (Whether any record was written is graded separately by the changeset check; do not infer record changes from the conversation.)

Passedcustomer: Aaron Halloway · 8 turns · 40s · $0.09 · 49k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified AP3 as closed to new business, did not quote or enroll the prospect in AP3, and steered them to the current preferred AP5/Evergreen tier instead.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hey, thanks for picking up. So I'm looking to get auto insurance, and my friend has this plan with you guys called AP3 — she absolutely loves it. I want to sign up for the same thing. Can you get me on AP3?

Agent

⚙ query_db(SELECT * FROM legacy_crosswalk WHERE legacy_plan_code = 'AP3' OR legacy_plan_…)

{
  "sql": "SELECT * FROM legacy_crosswalk WHERE legacy_plan_code = 'AP3' OR legacy_plan_code LIKE '%AP3%'"
}

{
  "rows": [
    {
      "legacy_plan_code": "AP3",
      "region": "R-NE",
      "cust_status": "CUSTOMER",
      "modern_line": "AUTO",
      "modern_tier_id": "AUTO:EVERGREEN",
      "modern_coverages": "[\"BI\", \"PD\", \"UMUIM\", \"COLL\", \"COMP\", \"MED\", \"RENT_REIMB\"]",
      "effective_start": null,
      "effective_end": null,
      "doc_id": "KB-LEGACY-XWALK",
      "notes": "NE gen-3 preferred = Evergreen tier."
    },
    {
      "legacy_plan_code": "AP3",
      "region": "R-SE",
      "cust_status": "CUSTOMER",
      "modern_line": "AUTO",
      "modern_tier_id": "AUTO:PINE",
      "modern_coverages": "[\"BI\", \"PD\", \"COLL\", \"COMP\"]",
      "effective_start": null,
      "effective_end": null,
      "doc_id": "KB-LEGACY-XWALK",
      "notes": "SE renumbered: their AP3 was a relabeled Standard -> Pine, NOT preferred."
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ search_kb(AP3 auto plan legacy crosswalk sellable, 5)

{
  "query": "AP3 auto plan legacy crosswalk sellable",
  "limit": 5
}

{
  "results": [
    {
      "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-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-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-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    }
  ]
}

⚙ get_doc(KB-LEGACY-XWALK)

{
  "doc_id": "KB-LEGACY-XWALK"
}

{
  "doc_id": "KB-LEGACY-XWALK",
  "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
  "category": "HOWTO",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "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 — the mapping depends on the customer's **market (region)** and\n**status**, so you must look it up in the crosswalk, never guess from the letter.\n- **Standard** plans (AS2, AS4) → Pine, everywhere.\n- **Preferred AP3** means different things by market: in the Northeast it is the\n  Evergreen tier, but in the Southeast AP3 was a relabeled Standard → Pine.\n- **AP3 and AP1 are closed to new business.** A prospect cannot be put on them;\n  the live preferred plan for new business is **AP5** (→ Evergreen). **AP1** is\n  grandfathered for existing customers only and maps to the **retired Heritage**\n  tier, which cannot be re-bound once dropped.\nWhen an EVERGREEN record and the CANOPY policy disagree, treat it as an\nunverified migration discrepancy: surface it, do not silently \"correct\" either side.\n"
}

⚙ query_db(SELECT tier_id, line, code, label, sellable, retired_on, notes FROM tiers WHE…)

{
  "sql": "SELECT tier_id, line, code, label, sellable, retired_on, notes FROM tiers WHERE line='AUTO' ORDER BY position"
}

{
  "rows": [
    {
      "tier_id": "AUTO:HERITAGE",
      "line": "AUTO",
      "code": "HERITAGE",
      "label": "Heritage",
      "sellable": 0,
      "retired_on": "2009-07-01",
      "notes": "Retired 2009. Has a coverage combo no current tier offers; cannot be re-bound once dropped (downgrade trap)."
    },
    {
      "tier_id": "AUTO:SAPLING",
      "line": "AUTO",
      "code": "SAPLING",
      "label": "Sapling",
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:PINE",
      "line": "AUTO",
      "code": "PINE",
      "label": "Pine",
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:EVERGREEN",
      "line": "AUTO",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "AUTO:SEQUOIA",
      "line": "AUTO",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ get_doc(KB-AUTO-TIERS)

{
  "doc_id": "KB-AUTO-TIERS"
}

{
  "doc_id": "KB-AUTO-TIERS",
  "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
  "category": "POLICY",
  "applies_to": "{\"lines\": [\"AUTO\"]}",
  "body_md": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
}

I can help with that. AP3 is an older PEICO legacy auto plan code, and it’s closed to new business, so I can’t enroll a new policy directly as “AP3.”

The closest current option depends on the market:

In the Northeast, AP3 maps to our current Evergreen auto tier.
In the Southeast, AP3 mapped to Pine.
For new preferred auto business, the current live equivalent is generally AP5, which maps to Evergreen.

If you’d like, I can help quote you a current auto policy—likely Evergreen if you’re looking for the preferred-style package your friend likes. I’ll need a few details to start, especially your state/ZIP and vehicle information.

17k in · 474 out · $0.04 · 10.3s

Customer

Okay, that makes sense. Yeah, Evergreen sounds good — that's the current version of what my friend has, right? So that's what I want to go with. I'm in Naperville, Illinois if that matters. But before we jump into a full quote, can you just tell me a bit more about what Evergreen actually covers? I want to make sure it's the kind of preferred coverage my friend raves about.

Agent

⚙ query_db(SELECT c.code, c.label, c.kind, c.unit, d.default_value, d.included, d.editab…)

{
  "sql": "SELECT c.code, c.label, c.kind, c.unit, d.default_value, d.included, d.editable, c.notes FROM tier_coverage_defaults d JOIN coverages c ON c.coverage_id=d.coverage_id WHERE d.tier_id='AUTO:EVERGREEN' ORDER BY c.code"
}

{
  "rows": [
    {
      "code": "BI",
      "label": "Bodily Injury Liability",
      "kind": "limit",
      "unit": "usd_split",
      "default_value": "10000000/30000000",
      "included": 1,
      "editable": 1,
      "notes": "Per-person / per-accident. Limit rises by tier."
    },
    {
      "code": "COLL",
      "label": "Collision",
      "kind": "deductible",
      "unit": "usd",
      "default_value": "50000",
      "included": 1,
      "editable": 1,
      "notes": "Deductible falls by tier."
    },
    {
      "code": "COMP",
      "label": "Comprehensive",
      "kind": "deductible",
      "unit": "usd",
      "default_value": "50000",
      "included": 1,
      "editable": 1,
      "notes": "Deductible falls by tier."
    },
    {
      "code": "GAP",
      "label": "Loan/Lease Gap",
      "kind": "flag",
      "unit": "bool",
      "default_value": null,
      "included": 0,
      "editable": 1,
      "notes": "Eligible only if the vehicle is financed (eligibility rule)."
    },
    {
      "code": "MED",
      "label": "Medical Payments",
      "kind": "limit",
      "unit": "usd",
      "default_value": "500000",
      "included": 1,
      "editable": 1,
      "notes": "Evergreen+ only."
    },
    {
      "code": "OEM",
      "label": "OEM Parts Guarantee",
      "kind": "flag",
      "unit": "bool",
      "default_value": null,
      "included": 0,
      "editable": 0,
      "notes": "Sequoia only."
    },
    {
      "code": "PD",
      "label": "Property Damage Liability",
      "kind": "limit",
      "unit": "usd",
      "default_value": "10000000",
      "included": 1,
      "editable": 1,
      "notes": "Limit rises by tier."
    },
    {
      "code": "RENT_REIMB",
      "label": "Rental Reimbursement",
      "kind": "limit",
      "unit": "usd",
      "default_value": "90000",
      "included": 1,
      "editable": 1,
      "notes": "Per-day/max. Evergreen+ only."
    },
    {
      "code": "ROAD",
      "label": "Roadside Assistance",
      "kind": "flag",
      "unit": "bool",
      "default_value": null,
      "included": 0,
      "editable": 1,
      "notes": "Included at Sequoia; add-on elsewhere."
    },
    {
      "code": "UMUIM",
      "label": "Uninsured/Underinsured Motorist",
      "kind": "limit",
      "unit": "usd_split",
      "default_value": "10000000/30000000",
      "included": 1,
      "editable": 1,
      "notes": "Optional below Evergreen. Glossary KB decodes UM/UIM."
    }
  ],
  "row_count": 10,
  "truncated": false
}

⚙ query_db(SELECT state, region, name, notes FROM states WHERE state='IL')

{
  "sql": "SELECT state, region, name, notes FROM states WHERE state='IL'"
}

{
  "rows": [
    {
      "state": "IL",
      "region": "R-MW",
      "name": "Illinois",
      "notes": "Baseline rating reference."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT rule_id,line,tier_id,coverage_id,state,effect,condition,reason_doc,not…)

{
  "sql": "SELECT rule_id,line,tier_id,coverage_id,state,effect,condition,reason_doc,notes FROM eligibility_rules WHERE line='AUTO' AND (tier_id='AUTO:EVERGREEN' OR tier_id IS NULL) AND (state='IL' OR state IS NULL)"
}

{
  "rows": [
    {
      "rule_id": "ELIG-AUTO-GAP-FINANCED",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:GAP",
      "state": null,
      "effect": "GATE",
      "condition": "vehicle_financed",
      "reason_doc": "KB-AUTO-GAP",
      "notes": "GAP eligible only when the vehicle is financed/leased."
    },
    {
      "rule_id": "ELIG-AUTO-MED-EVERGREEN",
      "line": "AUTO",
      "tier_id": null,
      "coverage_id": "AUTO:MED",
      "state": null,
      "effect": "GATE",
      "condition": "tier_position_gte_evergreen",
      "reason_doc": "KB-AUTO-TIERS",
      "notes": "Medical Payments available Evergreen and above."
    }
  ],
  "row_count": 2,
  "truncated": false
}

⚙ get_doc(KB-GLOSSARY-AUTO)

{
  "doc_id": "KB-GLOSSARY-AUTO"
}

{
  "doc_id": "KB-GLOSSARY-AUTO",
  "title": "Auto coverage codes, decoded",
  "category": "GLOSSARY",
  "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
  "body_md": "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- **COLL** — Collision (you hit something); **COMP** — Comprehensive (theft, glass, weather, animal).\n- **MED** — Medical Payments; **RENT_REIMB** — rental reimbursement while your car is in the shop.\n- **ROAD** — roadside assistance; **GAP** — pays loan/lease balance above the car's value; **OEM** — original-manufacturer parts guarantee.\n"
}

Yes — in PEICO’s current auto lineup, Evergreen is the current preferred-style tier that most closely matches the “preferred” version of legacy AP3. Since you’re in Illinois, you’re in our Midwest rating region, and Evergreen is a current sellable auto tier.

Here’s what Evergreen Auto generally includes by default:

Bodily Injury Liability: $100,000 / $300,000
Helps cover injuries to others if you’re legally responsible in an accident.
Property Damage Liability: $100,000
Helps cover damage you cause to someone else’s vehicle or property.
Uninsured/Underinsured Motorist: $100,000 / $300,000
Helps protect you if the at-fault driver has no insurance or not enough insurance.
Collision: $500 deductible
Covers damage to your car from a collision, regardless of fault, subject to the deductible.
Comprehensive: $500 deductible
Covers non-collision losses like theft, vandalism, weather, glass, or animal strikes, subject to the deductible.
Medical Payments: $5,000
Helps with medical expenses after a covered auto accident.
Rental Reimbursement: $900 limit
Helps with rental car costs while your covered vehicle is being repaired after a covered loss.

Optional add-ons may include:

Roadside Assistance
Loan/Lease GAP, if the vehicle is financed or leased

One note: OEM Parts Guarantee is not part of Evergreen; that’s reserved for the higher Sequoia tier.

So, in plain English: Evergreen is a strong preferred package with higher liability limits, UM/UIM, physical damage coverage, medical payments, and rental reimbursement included.

15k in · 632 out · $0.04 · 10.9s

Customer

That sounds really good — yeah, that's the kind of coverage my friend was talking about. Evergreen is what I want to go with. I'm ready to move forward, but let's not run the numbers today, okay? I want to think it over and make sure the timing is right. I'll call back when I'm ready to actually get quoted and set everything up.

Agent

⚙ end_conversation()

{}

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

Absolutely — no quote or setup started today. When you’re ready, just contact us again and we can gather the vehicle/driver details and quote Evergreen for you.

Thanks for considering PEICO, and have a great day!

17k in · 62 out · $0.02 · 3.7s

Customer

Perfect, thanks so much for walking me through all that. I really appreciate it — I'll definitely be back in touch soon. Have a good one!