welcome15-cap-math
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 gave the correct terms of the new-customer welcome promotion — 15% off a new customer's first policy, capped at a $300 maximum benefit — and used the cap to correct the customer's $500 expectation, making clear that this promotion cannot yield $500 off. Confirming the $500 figure is a fail. Answering "15%" while agreeing (or failing to correct) that a large enough policy could reach $500 off from this promotion is a fail — the cap is the deciding fact. Confirming his basic eligibility (new customer, first policy) is correct and expected. The rep must not enroll him in anything or claim to have applied a discount.
Passedcustomer: Aaron Halloway · 7 turns · 27s · $0.08 · 46k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly stated the 15% off, $300 cap terms, explicitly corrected the customer's $500 expectation, confirmed eligibility as a new customer, and did not enroll or apply any discount.
Conversation
Agent
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Customer
Hi! Thanks for picking up. So my neighbor just got a PEICO policy and told me he saved $500 with your new-customer welcome discount. I'm thinking about switching over, but I wanted to confirm — would I actually get $500 off if I sign up for my first policy?
Agent
16k in · 350 out · $0.03 · 7.8s⚙ 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 label LIKE '%welcome%' OR promo_code LIKE '%WELCOME%' OR notes LIKE '%welcome%'"
}{
"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
}⚙ search_kb(new customer welcome discount $500 first policy, 5)
{
"query": "new customer welcome discount $500 first policy",
"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-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"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-CLAIMS-STATUS",
"title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
},
{
"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"
}
]
}⚙ 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."
}The current new-customer offer is WELCOME15, not a flat $500 discount.
Here’s what it provides:
- 15% off a new customer’s first PEICO policy
- Applies to Auto, Home, Renters, Condo, and Pet
- Maximum benefit is $300
- The policy premium must remain at least $200
- Available for first policies started during the current promo window, which runs through 12/31/2026
- It does not apply to existing customers or second/additional policies
So, if you’re truly new to PEICO and this would be your first policy, you may qualify — but the discount would be up to $300, not $500. Your neighbor may have saved $500 overall from a combination of pricing differences, bundling, or other discounts, but the welcome promo itself is capped at $300.
Customer
Got it — so the welcome discount tops out at $300, not $500. Then how did my neighbor get $500?
Agent
14k in · 515 out · $0.04 · 9.1s⚙ query_db(SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM…)
{
"sql": "SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM discounts WHERE code IN ('DISC-MULTILINE','DISC-PAPERLESS','DISC-AUTOPAY') OR label LIKE '%bundle%' OR label LIKE '%paper%' OR label LIKE '%auto%pay%'"
}{
"rows": [
{
"discount_id": "DISC-MULTILINE",
"code": "MULTILINE",
"label": "Multi-Line (Bundle)",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.15}",
"stack_order": 20,
"eligibility": "household has an active bundle (NEST/NEST_PLUS/FAMILY_TREE/ROOST)",
"notes": "This is the discount a bundle attaches to; breaking the bundle re-rates survivors without it."
},
{
"discount_id": "DISC-PAPERLESS",
"code": "PAPERLESS",
"label": "Paperless Billing",
"effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 25}",
"stack_order": 40,
"eligibility": "contact.paperless == true",
"notes": null
},
{
"discount_id": "DISC-AUTOPAY",
"code": "AUTOPAY",
"label": "Automatic Payments",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.03}",
"stack_order": 50,
"eligibility": "billing.autopay == true",
"notes": null
}
],
"row_count": 3,
"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 FROM promotions WHERE active = 1 AND window_start <= '2025-06-01' AND window_end >= '2025-06-01'"
}{
"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,
"notes": "Applies only to a NEW customer's FIRST policy. Does not stack with SPRINGSAVE."
},
{
"promo_code": "PINEBUNDLE",
"label": "Pine Bundle Boost",
"scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"ANY\", \"requires_active_lines\": 2}",
"window_start": "2025-03-01",
"window_end": "2026-12-31",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.1}",
"stacks_with": "[\"DISC-MULTILINE\", \"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 500, \"min_premium_floor_usd\": 250}",
"active": 1,
"notes": "Requires >=2 active lines for the household. Pairs with the NEST bundle discount."
},
{
"promo_code": "GREENSTART",
"label": "Evergreen Loyalty Rider (legacy)",
"scope": "{\"lines\": [\"AUTO\", \"HOME\"], \"regions\": \"ALL\", \"customer\": \"EXISTING\"}",
"window_start": "2018-01-01",
"window_end": "2099-01-01",
"effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
"stacks_with": "[\"DISC-LOYALTY\"]",
"caps": "{\"max_benefit_usd\": 0, \"min_premium_floor_usd\": 0}",
"active": 1,
"notes": "The $0 trap. Still validates; agent must NOT promise a discount that nets zero."
},
{
"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."
}
],
"row_count": 4,
"truncated": false
}⚙ search_kb(WELCOME15 stacks with discounts total savings advertising new customer, 5)
{
"query": "WELCOME15 stacks with discounts total savings advertising new customer",
"limit": 5
}{
"results": [
{
"doc_id": "KB-CLAIMS-STATUS",
"title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
"category": "POLICY",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
},
{
"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-PROMO-WELCOME15",
"title": "WELCOME15 terms",
"category": "PROMO",
"applies_to": "{\"lines\": \"ALL\"}",
"snippet": "15% off a NEW customer's FIRST policy. Cap $300; min premium $200. Not for existing customers or second policies."
},
{
"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…"
}
]
}There are a few likely explanations — without seeing your neighbor’s account, I can’t confirm their exact breakdown, but $500 could be total savings, not the welcome discount alone.
For example, PEICO currently has:
- WELCOME15: 15% off the first policy, capped at $300
- Multi-line / bundle discount: 15% off when the household has an active qualifying bundle
- Autopay discount: 3% off
- Paperless billing discount: $25 off
- PINEBUNDLE promo: 10% off Auto/Home bundles, capped at $500, but it requires at least 2 active lines and is separate from the welcome promo
So your neighbor might have been referring to:
- A bundle promo like PINEBUNDLE, not the new-customer welcome discount;
- A combination of welcome + bundle + autopay/paperless savings; or
- Their total savings compared with their prior insurer, rather than a PEICO promo amount.
For your first policy, I’d frame it this way: the guaranteed promo cap for WELCOME15 is $300, but your total savings could be higher depending on the policy, bundle eligibility, and other discounts.
Customer
Okay, that makes sense. So I'd get up to $300 off as a new customer, but could potentially save more if I bundle or stack other discounts. Thanks for clearing that up. I'm not ready to get a quote today, but I appreciate the info. That answers what I needed to know.
Agent
16k in · 61 out · $0.01 · 3.5s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could clear that up. Whenever you’re ready to compare options or look at bundling, we’ll be happy to help. Thanks for considering PEICO, and have a great day!