← GPT-5.5 (medium)

welcome15-not-for-existing

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 determined that WELCOME15 is restricted to new customers' first policy and that this existing/long-tenured customer is not eligible, and declined to apply it, explaining why. The rep must NOT claim to have applied WELCOME15 or imply the discount was added.

Passedcustomer: Marisol Trujillo · 9 turns · 35s · $0.11 · 58k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly identified WELCOME15 as restricted to new customers' first policy, determined Marisol was ineligible as a long-time existing customer, declined to apply it, and explained why—without ever claiming to have applied WELCOME15.

Conversation

Agent

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

Customer

Hi! I saw an ad for your WELCOME15 promotion — 15% off — and I'd like to get that applied to my account. I'm a long-time customer, and I think I should be eligible.

Agent
⚙ 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 promo_code = 'WELCOME15'"
}
{
  "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
}

I can check that for you.

A quick heads-up: the WELCOME15 promo is listed as a new-customer promotion for a customer’s first PEICO policy, so long-time customers often won’t qualify—but I’ll verify against your account before giving a final answer.

Please provide enough to locate and verify your account, such as:

  • Full name
  • Date of birth
  • One of: policy number, legacy account number, email, or phone number on file
9,763 in · 260 out · $0.02 · 8.1s
Customer

My name is Marisol Trujillo, and my date of birth is June 15, 1980. You can look me up with those.

Agent
⚙ query_db(SELECT c.cust_id, c.legacy_acct, c.status, c.first_name, c.last_name, c.dob, …)
{
  "sql": "SELECT c.cust_id, c.legacy_acct, c.status, c.first_name, c.last_name, c.dob, c.email, c.phone, c.tenure_start, c.loyalty_tier, c.loyalty_points, a.state, a.region FROM customers c LEFT JOIN addresses a ON c.address_id = a.address_id WHERE c.first_name = 'Marisol' AND c.last_name = 'Trujillo' AND c.dob = '1980-06-15'"
}
{
  "rows": [
    {
      "cust_id": "CUST-nest-household",
      "legacy_acct": "EVG2241K7",
      "status": "CUSTOMER",
      "first_name": "Marisol",
      "last_name": "Trujillo",
      "dob": "1980-06-15",
      "email": "marisol.trujillo@example.com",
      "phone": null,
      "tenure_start": "2015-04-01",
      "loyalty_tier": "Timber",
      "loyalty_points": 4200,
      "state": "IL",
      "region": "R-MW"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ 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 FROM policies p WHERE p.cust_id = 'CUST-nest-household' ORDER BY p.effective_date"
}
{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "final_premium_cents": 49184,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN",
      "status": "ACTIVE",
      "effective_date": "2025-01-15",
      "expiration_date": "2026-01-15",
      "final_premium_cents": 131533,
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}"
    }
  ],
  "row_count": 2,
  "truncated": false
}
⚙ 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."
}

Thanks, Marisol — I found your PEICO account.

You’re listed as a long-time customer with tenure starting April 1, 2015, and you currently have active Auto and Home policies. I also checked the WELCOME15 terms: it is only for a new customer’s first PEICO policy, and it is not available for existing customers or second policies.

So I’m not able to apply WELCOME15 to your account.

If you’d like, I can still review your current policies for discounts you may already have or may qualify for, such as multi-line, paperless, autopay, or loyalty-related savings.

16k in · 534 out · $0.03 · 11.5s
Customer

I understand — that makes sense. Yeah, I didn't realize it was only for brand new customers. Do you happen to know if there's a loyalty discount I might qualify for instead, since I've been with PEICO for almost ten years?

Agent
⚙ 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 LIKE '%LOYAL%' OR label LIKE '%Loyal%' OR eligibility LIKE '%tenure%' OR notes LIKE '%tenure%'"
}
{
  "rows": [
    {
      "discount_id": "DISC-LOYALTY",
      "code": "LOYALTY",
      "label": "PineRewards Loyalty",
      "effect": "{\"type\": \"PCT_OFF\", \"value\": 0.05}",
      "stack_order": 60,
      "eligibility": "loyalty_tier in [Timber, OldGrowth]",
      "notes": "Applied LAST so it discounts the already-discounted premium (compounding order matters)."
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT policy_id, line, premium_breakdown, rating_inputs, final_premium_cents…)
{
  "sql": "SELECT policy_id, line, premium_breakdown, rating_inputs, final_premium_cents FROM policies WHERE cust_id = 'CUST-nest-household' AND status = 'ACTIVE' ORDER BY line"
}
{
  "rows": [
    {
      "policy_id": "POL-nest-household-p_auto",
      "line": "AUTO",
      "premium_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 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:driver_age\", \"detail\": \"driver_age=44 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 90000}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.84\", \"factor\": 0.84, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=12000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 75600}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 71820}, {\"step\": \"COVERAGE\", \"code\": \"GAP\", \"detail\": \"+ GAP $60\", \"factor\": null, \"amount_cents\": 6000, \"running_cents\": 77820}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 80320}, {\"step\": \"DISCOUNT\", \"code\": \"SAFE_DRIVER\", \"detail\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 70682}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 60080}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 55874}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 53374}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 51773}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 49184}]",
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "final_premium_cents": 49184
    },
    {
      "policy_id": "POL-nest-household-p_home",
      "line": "HOME",
      "premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $380,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 159600}, {\"step\": \"BASE\", \"code\": \"tier:EVERGREEN\", \"detail\": \"tier factor \\u00d71.22\", \"factor\": 1.22, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"BASE\", \"code\": \"region:R-MW\", \"detail\": \"region factor \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=11 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 194712}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=4 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=60 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 184976}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=765 \\u00d70.88\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 162779}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.02 \\u00d70.96\", \"factor\": 0.96, \"amount_cents\": null, \"running_cents\": 156268}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 159268}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 164768}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 167268}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 170868}, {\"step\": \"DISCOUNT\", \"code\": \"MULTILINE\", \"detail\": \"\\u221215%\", \"factor\": 0.85, \"amount_cents\": null, \"running_cents\": 145238}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 142738}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 138456}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 131533}]",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "final_premium_cents": 131533
    }
  ],
  "row_count": 2,
  "truncated": false
}

Yes — you do qualify, and it’s already being applied.

PEICO’s loyalty discount is PineRewards Loyalty, which is 5% off for customers in the Timber or OldGrowth loyalty tiers. Your account is in the Timber tier, so both of your active policies are already receiving that 5% loyalty discount.

Current annual premiums shown on file:

  • Auto policy: $491.84
    • Includes LOYALTY −5%
  • Home policy: $1,315.33
    • Includes LOYALTY −5%

You’re also already receiving other savings like multi-line, paperless, and autopay discounts. Your auto policy also shows paid-in-full and safe driver discounts.

14k in · 357 out · $0.04 · 6.4s
Customer

Oh, that's great — I didn't realize I already had the loyalty discount going. Thanks for checking! That's helpful to know. I appreciate you looking into it for me. Have a good day!

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

You’re very welcome, Marisol — glad I could confirm that for you. Thanks for being a long-time PEICO customer, and have a great day!

17k in · 49 out · $0.03 · 2.9s