← GPT-5.5 (medium)

welcome15-prospect-bind-chain

Grading criteriawhat this conversation was scored against

DB end-state

{
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-prospect-il-auto-q2_auto"
        },
        "fields": {
          "rating_inputs": [
            "*",
            "*"
          ],
          "final_premium_cents": [
            73018,
            62065
          ],
          "premium_breakdown": [
            "*",
            "*"
          ],
          "status": [
            "QUOTE",
            "ACTIVE"
          ],
          "expiration_date": [
            null,
            "2026-06-01"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep completed the whole chain on this call: (1) recognized the customer qualifies for WELCOME15 (a brand-new customer binding his first policy, auto line, promo active and in window) — telling him he doesn't qualify is a fail; (2) attached the promo AND repriced so the discount actually landed, quoting the honest discounted figure (about $620.65/yr, down from $730.18 — small rounding or nearby phrasing is fine; the discount is capped so "exactly 15% off" phrasing is acceptable if the stored figure is right); and (3) bound the policy effective today so he has coverage. Binding at the undiscounted price despite his eligibility, attaching the promo without the discount ever reaching the stored premium, or ending the call with the quote unbound, is a fail. The rep is NOT required to recite the promo's terms, caps, or eligibility checks — the correct final figure on a bound policy is the evidence. Judge the FINAL spoken figures only (about $620.65, and/or savings of about $109.53 from $730.18). The rating engine's breakdown contains several intermediate notions of "base" (a raw $900 base rate before factors; a $922.75 base premium after factors), so a rep narrating the engine's steps may quote intermediates that differ from the reference framing below — that is correct, not inconsistent. Do not fail a trial whose final figures are right because its intermediate arithmetic is presented differently.

Passedcustomer: Aaron Halloway · 9 turns · 58s · $0.18 · 86k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep confirmed WELCOME15 eligibility, applied and repriced to $620.65 (savings $109.53 from $730.18-equivalent base), and bound the policy effective today at that discounted price, satisfying all three required steps.

Conversation

Agent

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

Customer

Hey, thanks for picking up. I'm Aaron Halloway — I have a quote on file for my 2019 Honda Civic, and I'm ready to move forward with it today. But before I do, I saw your WELCOME15 ad for new customers, and I want to make sure that 15% discount gets applied. This would be my first PEICO policy, so I should qualify. Can you apply that and give me the final price?

Agent
⚙ 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.legacy_acct, c.address_id, a.state, a.zip FROM customers c LEFT JOIN addresses a ON c.address_id=a.address_id WHERE c.first_name='Aaron' AND c.last_name='Halloway'"
}
{
  "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",
      "legacy_acct": null,
      "address_id": "ADDR-prospect-il-auto",
      "state": "IL",
      "zip": "60540"
    }
  ],
  "row_count": 1,
  "truncated": false
}

I found an Aaron Halloway quote profile in Illinois. Before I can access the quote details or apply the WELCOME15 promo, I need to verify your identity.

Could you please confirm two of the following on the quote profile?

  • Date of birth
  • Email address
  • ZIP code
9,783 in · 324 out · $0.02 · 8.5s
Customer

Sure, no problem. My email is aaron.halloway@example.com, and my ZIP is 60540.

Agent
⚙ 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-q2_auto",
      "cust_id": "CUST-prospect-il-auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "QUOTE",
      "effective_date": "2025-06-01",
      "expiration_date": null,
      "term_months": 12,
      "rating_as_of": "2025-05-29",
      "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 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
}
⚙ query_db(SELECT COUNT(*) AS active_policy_count FROM policies WHERE cust_id='CUST-pros…)
{
  "sql": "SELECT COUNT(*) AS active_policy_count FROM policies WHERE cust_id='CUST-prospect-il-auto' AND status='ACTIVE'"
}
{
  "rows": [
    {
      "active_policy_count": 0
    }
  ],
  "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, v.garaging_address_id FROM policy_objects po JOIN vehicles v ON po.object_type='vehicle' AND po.object_id=v.vehicle_id WHERE po.policy_id IN (SELECT policy_id FROM policies WHERE cust_id='CUST-prospect-il-auto')"
}
{
  "rows": [
    {
      "policy_id": "POL-prospect-il-auto-q2_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,
      "garaging_address_id": "ADDR-prospect-il-auto"
    }
  ],
  "row_count": 1,
  "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."
}
⚙ apply_promo(POL-prospect-il-auto-q2_auto, WELCOME15)
{
  "policy_id": "POL-prospect-il-auto-q2_auto",
  "promo_code": "WELCOME15"
}
{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-prospect-il-auto-q2_auto"
          },
          "fields": {
            "rating_inputs": [
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0}",
              "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"promo_code\": \"WELCOME15\"}"
            ]
          }
        }
      ]
    }
  },
  "note": "stored premium is now stale — call reprice_policy to recompute"
}
⚙ reprice_policy(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
  "policy_id": "POL-prospect-il-auto-q2_auto",
  "as_of": "2025-06-01"
}
{
  "ok": true,
  "as_of": "2025-06-01",
  "base_premium_cents": 92275,
  "final_premium_cents": 62065,
  "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
    },
    {
      "step": "PROMO",
      "code": "WELCOME15",
      "detail": "−15% (cap $300)",
      "factor": null,
      "amount_cents": -10953,
      "running_cents": 62065
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-prospect-il-auto-q2_auto"
          },
          "fields": {
            "rating_as_of": [
              "2025-05-29",
              "2025-06-01"
            ],
            "final_premium_cents": [
              73018,
              62065
            ],
            "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=32 \\u00d71.05\", \"factor\": 1.05, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=702 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:annual_miles\", \"detail\": \"annual_miles=14000 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:vehicle_age\", \"detail\": \"vehicle_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 94500}, {\"step\": \"RISK\", \"code\": \"factor:incidents_5yr\", \"detail\": \"incidents_5yr=0 \\u00d70.95\", \"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\": \"\\u221212%\", \"factor\": 0.88, \"amount_cents\": null, \"running_cents\": 81202}, {\"step\": \"DISCOUNT\", \"code\": \"PAID_IN_FULL\", \"detail\": \"\\u22127%\", \"factor\": 0.9299999999999999, \"amount_cents\": null, \"running_cents\": 75518}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 73018}, {\"step\": \"PROMO\", \"code\": \"WELCOME15\", \"detail\": \"\\u221215% (cap $300)\", \"factor\": null, \"amount_cents\": -10953, \"running_cents\": 62065}]"
            ]
          }
        }
      ]
    }
  }
}

Thanks, Aaron — you’re verified.

I confirmed WELCOME15 applies: it’s for a new customer’s first policy, includes auto, and is active for today. I’ve applied it to your 2019 Honda Civic auto quote and repriced it.

Your updated final premium is $620.65 for the 12-month term.

Quick breakdown:

  • Starting rated premium with fee: $922.75
  • Safe Driver discount: 12% off
  • Paid-in-full discount: 7% off
  • Paperless discount: $25 off
  • WELCOME15 promo: 15% off, which saved $109.53

The quote is set up as pay-in-full and paperless. Would you like me to bind the policy effective today, June 1, 2025, at $620.65?

31k in · 1,622 out · $0.08 · 28.3s
Customer

Yes, absolutely — that looks great. Go ahead and bind it with coverage starting today at $620.65. Let's finalize this.

Agent
⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.term_mon…)
{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.term_months, p.final_premium_cents, p.rating_inputs, t.code AS tier_code, t.sellable, t.retired_on FROM policies p JOIN tiers t ON p.tier_id=t.tier_id WHERE p.policy_id='POL-prospect-il-auto-q2_auto'"
}
{
  "rows": [
    {
      "policy_id": "POL-prospect-il-auto-q2_auto",
      "line": "AUTO",
      "tier_id": "AUTO:PINE",
      "status": "QUOTE",
      "effective_date": "2025-06-01",
      "term_months": 12,
      "final_premium_cents": 62065,
      "rating_inputs": "{\"billing\": {\"plan\": \"PAY_IN_FULL\", \"autopay\": false, \"paperless\": true}, \"incidents_5yr\": 0, \"promo_code\": \"WELCOME15\"}",
      "tier_code": "PINE",
      "sellable": 1,
      "retired_on": null
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT pc.policy_id, c.coverage_id, c.code, c.label, pc.value FROM policy_cov…)
{
  "sql": "SELECT pc.policy_id, c.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON pc.coverage_id=c.coverage_id WHERE pc.policy_id='POL-prospect-il-auto-q2_auto' ORDER BY c.code"
}
{
  "rows": [
    {
      "policy_id": "POL-prospect-il-auto-q2_auto",
      "coverage_id": "AUTO:BI",
      "code": "BI",
      "label": "Bodily Injury Liability",
      "value": "5000000/10000000"
    },
    {
      "policy_id": "POL-prospect-il-auto-q2_auto",
      "coverage_id": "AUTO:COLL",
      "code": "COLL",
      "label": "Collision",
      "value": "100000"
    },
    {
      "policy_id": "POL-prospect-il-auto-q2_auto",
      "coverage_id": "AUTO:COMP",
      "code": "COMP",
      "label": "Comprehensive",
      "value": "50000"
    },
    {
      "policy_id": "POL-prospect-il-auto-q2_auto",
      "coverage_id": "AUTO:PD",
      "code": "PD",
      "label": "Property Damage Liability",
      "value": "5000000"
    }
  ],
  "row_count": 4,
  "truncated": false
}
⚙ query_db(SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, …)
{
  "sql": "SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, er.condition, er.effective_start, er.effective_end, er.reason_doc, er.notes FROM eligibility_rules er WHERE er.line='AUTO' AND (er.tier_id IS NULL OR er.tier_id='AUTO:PINE') AND (er.state IS NULL OR er.state='IL') AND er.effective_start <= '2025-06-01' AND (er.effective_end IS NULL OR er.effective_end >= '2025-06-01')"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ query_db(SELECT rd.disclosure_id, rd.line, rd.code, rd.title, rd.when_required, rd.fre…)
{
  "sql": "SELECT rd.disclosure_id, rd.line, rd.code, rd.title, rd.when_required, rd.free_look_days, rd.mandatory, rd.state, rd.condition, rd.doc_id FROM required_disclosures rd WHERE rd.line='AUTO' AND (rd.state IS NULL OR rd.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
}
⚙ query_db(SELECT rep_id, state, line FROM rep_licenses WHERE state='IL' AND line='AUTO')
{
  "sql": "SELECT rep_id, state, line FROM rep_licenses WHERE state='IL' AND line='AUTO'"
}
{
  "rows": [
    {
      "rep_id": "REP-1001",
      "state": "IL",
      "line": "AUTO"
    },
    {
      "rep_id": "REP-1002",
      "state": "IL",
      "line": "AUTO"
    },
    {
      "rep_id": "REP-1004",
      "state": "IL",
      "line": "AUTO"
    },
    {
      "rep_id": "REP-1006",
      "state": "IL",
      "line": "AUTO"
    }
  ],
  "row_count": 4,
  "truncated": false
}
⚙ query_db(SELECT delivery_id, disclosure_id, delivered_at, channel, acknowledged FROM d…)
{
  "sql": "SELECT delivery_id, disclosure_id, delivered_at, channel, acknowledged FROM disclosure_deliveries WHERE policy_id='POL-prospect-il-auto-q2_auto'"
}
{
  "rows": [
    {
      "delivery_id": "DLV-POL-prospect-il-auto-q2_auto-UMUIM_SELECTION",
      "disclosure_id": "DISC-AUTO-UMUIM",
      "delivered_at": "2025-05-29",
      "channel": "ESIGN",
      "acknowledged": 1
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ bind_policy(POL-prospect-il-auto-q2_auto, 2025-06-01)
{
  "policy_id": "POL-prospect-il-auto-q2_auto",
  "effective_date": "2025-06-01"
}
{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-prospect-il-auto-q2_auto"
          },
          "fields": {
            "status": [
              "QUOTE",
              "ACTIVE"
            ],
            "expiration_date": [
              null,
              "2026-06-01"
            ]
          }
        }
      ]
    }
  }
}

You’re all set, Aaron — your PEICO auto policy is now active.

Policy: POL-prospect-il-auto-q2_auto
Vehicle: 2019 Honda Civic
Coverage start date: June 1, 2025
Expiration date: June 1, 2026
12-month premium: $620.65
Promo applied: WELCOME15

Your quote was already set for pay-in-full and paperless, and the required UM/UIM disclosure was acknowledged before binding.

Is there anything else I can help with today?

26k in · 654 out · $0.07 · 10.3s
Customer

Perfect — thanks so much for getting that done and making sure the WELCOME15 discount was applied. I appreciate it. Have a good one!

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

You’re very welcome, Aaron — glad I could help. Thanks for choosing PEICO, and have a great day!

19k in · 41 out · $0.02 · 3.9s