wholelife-unsuitable-record

{
  "query": "whole life suitability assessment required facts income dependents existing coverage horizon risk tolerance",
  "limit": 5
}

{
  "results": [
    {
      "doc_id": "KB-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
    },
    {
      "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…"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\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-SUITABILITY"
}

{
  "doc_id": "KB-SUITABILITY",
  "title": "Suitability requirement for Life & Health",
  "category": "COMPLIANCE",
  "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
  "body_md": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon, tight-budget customer is a mis-sale. Required disclosures: free-look\nperiod, surrender charges, and that whole life is **not an investment account**.\n"
}

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.legacy_acct, c.status, a.zip, a.city, a.state FROM customers c JOIN addresses a ON c.address_id = a.address_id WHERE c.first_name = 'Tanya' AND c.last_name = 'Brooks' AND c.dob = '1990-09-14' AND a.zip = '85004'"
}

{
  "rows": [
    {
      "cust_id": "CUST-retention-target",
      "first_name": "Tanya",
      "last_name": "Brooks",
      "dob": "1990-09-14",
      "email": "tanya.brooks@example.com",
      "phone": null,
      "legacy_acct": null,
      "status": "CUSTOMER",
      "zip": "85004",
      "city": "Phoenix",
      "state": "AZ"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "cust_id": "CUST-retention-target",
  "line": "LIFE_W",
  "income_cents": 4200000,
  "dependents": 0,
  "existing_coverage_cents": 0,
  "stated_need": "Customer wants whole life primarily as savings/forced savings with a death benefit; reports money is tight and a real chance of moving abroad within two years and likely stopping payments if that occurs.",
  "horizon": "SHORT",
  "risk_tolerance": "LOW",
  "outcome": "UNSUITABLE"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "suitability_records": {
      "added": [
        {
          "pk": {
            "suit_id": "SUIT-retention-target-LIFE_W-1"
          },
          "row": {
            "suit_id": "SUIT-retention-target-LIFE_W-1",
            "cust_id": "CUST-retention-target",
            "line": "LIFE_W",
            "income_cents": 4200000,
            "dependents": 0,
            "existing_coverage_cents": 0,
            "stated_need": "Customer wants whole life primarily as savings/forced savings with a death benefit; reports money is tight and a real chance of moving abroad within two years and likely stopping payments if that occurs.",
            "horizon": "SHORT",
            "risk_tolerance": "LOW",
            "completed_at": "2025-06-01",
            "outcome": "UNSUITABLE"
          }
        }
      ]
    }
  }
}

{}

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