Predictika · Employer group life and disability quotes

An AI sales agent's employer group benefits quote, checked before it goes out

An AI sales agent prepares a monthly premium quote for an employer group: Short Term Disability, Long Term Disability, Group Term Life and Group AD&D, with a payment arrangement and a participation level. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the group rules and returns a verdict, every reason and the monthly premium it computed.

Scope: Employer group quotes for 25 to 2,000 eligible employees with Short Term Disability, Long Term Disability, Group Term Life and Group AD&D, priced as a monthly premium. See everything this validator covers

This validator models employer group life and disability quotes, not just the scenarios shown below.

  • Group and participation — groups of 25 to 2,000 eligible employees, the participation each payment arrangement needs (employer-paid, shared-cost or voluntary), and groups above 1,000 employees sent for underwriting review.
  • Disability benefits — Long Term Disability and Short Term Disability benefit percentages, waiting periods, durations and monthly or weekly maximums, the limit on employee-paid benefits, and the overlap or gap between the two benefits.
  • Life, AD&D and the stated premium — the life multiple and the maximum amount, the guaranteed-issue amount by group size, AD&D sold only with life, and the premium the quote states against the premium computed from the modeled rates.

Any employer group quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: Group Universal Life, voluntary supplemental life, critical illness, accident, dental, vision, individual products, state rules, taxes and discounts. The product names follow Prudential's public employer group insurance pages; all plan rules, limits and rates in this validator are modeled from comparable group benefits products and are not published by Prudential.

The AI sales agentBuilds the group benefits quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Participation that depends on how the plan is paid forOnly with care
Each payment arrangement needs its own participation minimum, so a separate rule is written for every arrangement and kept in step with the others.		The payment arrangement and the participation are in one request and are checked against each other on every call.
Disability benefits that must fit togetherOnly with workarounds
Short Term Disability must end close to when Long Term Disability starts, so rules that compare two durations and a waiting period pile up, and a gap and an overlap need separate rules.		Both benefits are in one request, and the overlap and the gap are compared on every call.
Limits that change with group sizeOnly with care
Maximums and guaranteed-issue amounts differ by group size, so a rule list is needed for every size band.		The group size selects its limits, and the benefit amounts are compared with them on every call.
Life amount against a guaranteed-issue limitOnly with care
The amount is a multiple of pay, so a calculation and a threshold rule are needed for each group size band.		The life amount is computed from the multiple and the pay, then compared with the limit for the group on every call.
A stated premium that must match the computed premiumOnly with workarounds
The premium is built from several benefit lines, so a separate rule recomputes it and compares it with the stated figure.		The stated premium is a field of the request and is compared with the computed premium on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote has 24 eligible employees; this quote covers groups of 25 to 2,000 employees.
2A group of 1,001 eligible employees is quoted by Prudential underwriting case by case; a person should confirm it.
3A group of 2,000 eligible employees is quoted by Prudential underwriting case by case; a person should confirm it.
4The quote has 2,001 eligible employees; this quote covers groups of 25 to 2,000 employees.
5A group of 2,001 eligible employees is quoted by Prudential underwriting case by case; a person should confirm it.
6The quote selects no Short Term Disability, Long Term Disability or Life and AD&D coverage.
7The quote has 74 percent participation; this payment arrangement needs at least 75 percent.
8The quote has 24 percent participation; this payment arrangement needs at least 25 percent.
9The quote has 99 percent participation; this payment arrangement needs at least 100 percent.
10Employee-paid Long Term Disability is offered up to 60 percent of pay; the quote has 66 percent.
11The quote has a Long Term Disability benefit of 55 percent of pay; 50, 60 or 66 percent is offered, where 66 means two thirds.
12The quote has a Long Term Disability waiting period of 120 days; 90, 180 or 365 days is offered.
13The quote has a Long Term Disability monthly maximum of 999 dollars; 1,000 up to 15,000 dollars is offered for a group this size.
14A Long Term Disability monthly maximum of 10,001 dollars is above 10,000 dollars and needs underwriting review.
15The quote has a Long Term Disability monthly maximum of 10,001 dollars; 1,000 up to 10,000 dollars is offered for a group this size.
16The quote has a Short Term Disability duration of 12 weeks; 11, 13 or 26 weeks is offered.
17Short Term Disability for 26 weeks overlaps the Long Term Disability waiting period of 90 days; the two benefits would be paid together.
18Short Term Disability for 11 weeks ends well before the Long Term Disability waiting period of 365 days starts, leaving employees with no benefit in between; a person should confirm it.
19The quote has a Short Term Disability waiting period of 10 days for sickness; 0, 7 or 14 days is offered.
20The quote has a Short Term Disability weekly maximum of 1,501 dollars; 500 up to 1,500 dollars is offered for a group this size.
21The quote has a Short Term Disability benefit of 70 percent of pay; 50, 60 or 66 percent is offered, where 66 means two thirds.
22Group Term Life of 120,000 dollars per employee is above the 100,000 dollars guaranteed-issue amount for this group; employees would need evidence of good health, so a person should confirm it.
23The quote has Group Term Life of 5 times annual pay; 1 to 4 times is offered.
24The quote has Group Term Life of 1,200,000 dollars per employee; the maximum is 1,000,000 dollars.
25The quote selects Group AD&D without Group Term Life; AD&D is sold with the life amount.
26The quote states a monthly premium of 399,650 cents; the modeled rates give 399,750 cents.
27The quote states a monthly premium of 399,751 cents; the modeled rates give 399,750 cents.
28The quote states a monthly premium of 100 cents; the modeled rates give 4,000,950 cents.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Benefits that must fit together: A voluntary group quote with Long Term Disability, Short Term Disability and AD&D

    
The agent's request. Please quote a voluntary (employee-paid) group of 100 eligible employees with 40 percent participation and an average salary of $45 thousand: Long Term Disability at 66 percent of pay with a 90-day waiting period and a maximum of $8,000 a month; Short Term Disability at 60 percent of pay for 26 weeks with a 7-day waiting period and a maximum of $2,600 a week; Group AD&D, for a monthly premium of $1,590.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Voluntary Long Term Disability above 60 percent. Employee-paid Long Term Disability is offered up to 60 percent of pay; the quote has 66 percent.
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  • Short Term Disability weekly maximum not offered. The quote has a Short Term Disability weekly maximum of 2,600 dollars; 500 up to 2,500 dollars is offered for a group this size.
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  • Short Term Disability runs past the Long Term Disability waiting period. Short Term Disability for 26 weeks overlaps the Long Term Disability waiting period of 90 days; the two benefits would be paid together.
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  • AD&D selected without Life. The quote selects Group AD&D without Group Term Life; AD&D is sold with the life amount.
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2. Benefits that must fit together: The agent resubmits after fixing the errors

    
The agent's request. Please quote a voluntary (employee-paid) group of 100 eligible employees with 40 percent participation and an average salary of $45 thousand: Long Term Disability at 60 percent of pay with a 90-day waiting period and a maximum of $8,000 a month; Short Term Disability at 60 percent of pay for 13 weeks with a 7-day waiting period and a maximum of $1,200 a week; Group Term Life at 2 times pay; Group AD&D, for a monthly premium of $1,599.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 40 enrolled employees, covered monthly payroll of 150 thousand dollars, estimated monthly premium of 159,900 cents: Long Term Disability 75,000 cents, Short Term Disability 34,500 cents, Life 43,200 cents, AD&D 7,200 cents.
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3. Participation, waiting period and life amount: A shared-cost group quote with Long Term Disability and life at five times pay

    
The agent's request. Please quote a shared-cost group of 100 eligible employees with 70 percent participation and an average salary of $45 thousand: Long Term Disability at 60 percent of pay with a 120-day waiting period and a maximum of $8,000 a month; Group Term Life at 5 times pay; Group AD&D, for a monthly premium of $3,253.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Participation below the minimum. The quote has 70 percent participation; this payment arrangement needs at least 75 percent.
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  • Long Term Disability waiting period not offered. The quote has a Long Term Disability waiting period of 120 days; 90, 180 or 365 days is offered.
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  • Life multiple not offered. The quote has Group Term Life of 5 times annual pay; 1 to 4 times is offered.
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  • Life amount above the guaranteed-issue limit. Group Term Life of 225,000 dollars per employee is above the 200,000 dollars guaranteed-issue amount for this group; employees would need evidence of good health, so a person should confirm it.
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4. Participation, waiting period and life amount: The agent resubmits after fixing the errors

    
The agent's request. Please quote a shared-cost group of 100 eligible employees with 80 percent participation and an average salary of $45 thousand: Long Term Disability at 60 percent of pay with a 180-day waiting period and a maximum of $8,000 a month; Short Term Disability at 60 percent of pay for 26 weeks with a 7-day waiting period and a maximum of $1,200 a week; Group Term Life at 3 times pay; Group AD&D, for a monthly premium of $4,002.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 80 enrolled employees, covered monthly payroll of 300 thousand dollars, estimated monthly premium of 400,200 cents: Long Term Disability 120,000 cents, Short Term Disability 129,000 cents, Life 129,600 cents, AD&D 21,600 cents.
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5. Large group and stated premium: A group quote for 1,001 employees with life at four times pay and a stated premium

    
The agent's request. Please quote an employer-paid group of 1,001 eligible employees with 100 percent participation and an average salary of $90 thousand: Long Term Disability at 60 percent of pay with a 90-day waiting period and a maximum of $8,000 a month; Short Term Disability at 60 percent of pay for 13 weeks with a 7-day waiting period and a maximum of $1,200 a week; Group Term Life at 4 times pay; Group AD&D, for a monthly premium of $102,751.50. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly premium of 10,275,150 cents; the modeled rates give 10,525,150 cents.
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  • Life amount above the guaranteed-issue limit. Group Term Life of 360,000 dollars per employee is above the 300,000 dollars guaranteed-issue amount for this group; employees would need evidence of good health, so a person should confirm it.
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  • Large group needs underwriting. A group of 1,001 eligible employees is quoted by Prudential underwriting case by case; a person should confirm it.
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6. Large group and stated premium: The agent resubmits after fixing the errors

    
The agent's request. Please quote an employer-paid group of 1,001 eligible employees with 100 percent participation and an average salary of $90 thousand: Long Term Disability at 60 percent of pay with a 90-day waiting period and a maximum of $8,000 a month; Short Term Disability at 60 percent of pay for 13 weeks with a 7-day waiting period and a maximum of $1,200 a week; Group Term Life at 4 times pay; Group AD&D, for a monthly premium of $105,251.50. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Life amount above the guaranteed-issue limit. Group Term Life of 360,000 dollars per employee is above the 300,000 dollars guaranteed-issue amount for this group; employees would need evidence of good health, so a person should confirm it.
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  • Large group needs underwriting. A group of 1,001 eligible employees is quoted by Prudential underwriting case by case; a person should confirm it.
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  • Quote summary. 1,001 enrolled employees, covered monthly payroll of 7,507 thousand dollars, estimated monthly premium of 10,525,150 cents: Long Term Disability 3,753,500 cents, Short Term Disability 1,726,610 cents, Life 4,324,320 cents, AD&D 720,720 cents.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a monthly premium quote for an employer group: Short Term Disability, Long Term Disability, Group Term Life and Group AD&D. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the group rules and returns a verdict, every reason and the monthly premium it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote a voluntary (employee-paid) group of 100 eligible employees. It is ready to send. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with four findings, all in one answer. Employee-paid Long Term Disability is offered up to 60 percent of pay; the quote has 66 percent. The quote has a Short Term Disability weekly maximum of 2,600 dollars; 500 up to 2,500 dollars is offered for a group this size. Short Term Disability for 26 weeks overlaps the Long Term Disability waiting period of 90 days; the two benefits would be paid together. The other one is on screen.
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  6. The validator returned four blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for disability benefits that must fit together, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the Long Term Disability to 60 percent of pay, the Short Term Disability duration to 13 weeks, the Short Term Disability weekly maximum to $1,200, the Group Term Life to 2 times pay and the monthly premium stated on the quote to 159,900 cents.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All four earlier findings are cleared.
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  13. Four problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.