lead-to-policy/flow-findings.md

Lead-to-Policy (Aria) — Live Flow Findings

App 385, workflow e29c3c33 (db workflow_id=29851), org 53. Sandbox DB verified (postgres-sandbox, read-only) + AI decisions via https://sandbox.getzino.in/monitor/decisions.

Loop: /loop 4m (cron d62147e6). Each tick re-checks the latest instance, observes what the AI did, recommends the next human payload.

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State graph (state → activity → next state)

#	State	Human/forward activity	→ next state	Disqualify?
1	New Lead	Capture Lead cc1a73d5 (INIT)	Qualified (via Qualify Lead)	yes
2	Qualified	Assign Lead da61aaa1	Assigned	yes
3	Assigned	Log First Contact fea6b3a8	Contacted	yes
4	Contacted	Schedule Meeting c444d32f	Meeting Scheduled	yes
5	Meeting Scheduled	Recommend Product c0e2004e (→ stage-gate …5a01)	Product Recommended	yes
6	Product Recommended	Collect Documents a8eb0faa	Documents Collected	yes
7	Documents Collected	Assess Eligibility ba3d3e7f (→ gate …0a01)	Eligibility Assessed	yes
8	Eligibility Assessed	Submit Underwriting ed8ec0dc (→ gate …0b02)	Underwriting	yes
9	Underwriting	Issue Policy 7b8fb734 (→ gate …0c03)	Policy Issued	yes
10	Policy Issued	Onboard Customer ae415f4e	Customer 360 (END)	—

Disqualify ea99fc60 is allowed in every non-terminal state → Disqualified (END). AI Product Recommendation 14d734da is a self-loop on Meeting Scheduled (AI-only, no state change).

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AI employees & triggers (verified in activity_triggers)

Trigger = bound to a source activity; fires after a human performs it, then the bound AI employee autonomously performs the next workflow activity.

Trigger on activity	AI employee	user_id	Effect
Capture Lead cc1a73d5	Insurance AI (Aria) #6	29180	auto-performs Qualify Lead → Qualified
Assign Lead da61aaa1	Aria (Engagement) #7	29181	auto-performs next (Log First Contact)
Log First Contact fea6b3a8	Aria (Engagement) #7	29181	auto-advances toward Schedule Meeting
Schedule Meeting c444d32f	Aria Advisor #9	29188	logs AI Product Recommendation decision (self-loop) before human Recommend Product
Collect Documents a8eb0faa	Aria (Underwriting) #8	29182	auto-advances underwriting steps
Onboard Customer ae415f4e	(no AI) automation pipeline	—	customJS Compute Maturity → generateDoc Policy Schedule → sendEmail welcome

Note: Qualify Lead, Recommend Product, Assess Eligibility, Submit Underwriting, Issue Policy have no trigger bound → they are human/manual gates (no auto-advance).

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Observation log

Tick 1 — 2026-06-26 ~07:25 (instance 5017, lead "Parikshith Takkar")

Flow observed (verified DB + monitor):

• 07:20:46 — Capture Lead by human 29183 (Sales Agent). Lead: Bengaluru / Karnataka, Lawyer, ₹23L income, DOB 1976-05-25 (age 50), web, term interest, English.
• Capture trigger fired → Insurance AI (Aria) 29180 auto-performed Qualify Lead at 07:21:31:
  • confidence 0.95, status submitted, model claude-sonnet-4-5, 5 LLM calls, cost ~$0.124.
  • set lead_score 95, segment hot, annual_income 23,00,000, DOB confirmed.
  • knowledge sources: Lead Qualification Guide, ABSLI Product Catalog, ABSLI Underwriting Rules.
  • reasoning: age 50 within 18-65 entry; income supports ₹2.76–3.45 cr coverage; Lawyer = stable; no disqualifiers.
• Current state: Qualified (41c7a19f). No trigger on Qualify Lead → flow waits for human.

→ Next human activity = Assign Lead. Recommended payload below.

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⭐ Recommended payload — next activity: Assign Lead (da61aaa1)

Fields (from activity_data_fields; field_rules cascade city → region → agent):

{
  "assign_city": "Bengaluru",
  "assigned_region_input": "South",
  "owner_agent_input": { "id": 1, "name": "Asha Rao" }
}

• assign_city — select, mapped city. Lead already in Bengaluru. Drives region filter.
• assigned_region_input — mandatory lookup tbl_branches.region. Bengaluru branch (id 7, "Bengaluru MG Road") → region South. Filtered by city via rule rule_region_by_city.
• owner_agent_input — optional lookup tbl_sales_agents (stores id+name), filtered to region=South via rule_agent_by_region. South agents available: Asha Rao (1), Karthik Iyer (7), Divya Menon (8). Pick any; Asha Rao recommended.

After you submit Assign Lead: trigger fires → Aria (Engagement) 29181 auto-performs the next step (Log First Contact → Contacted). Watch /monitor/decisions?instance_id=5017 for user 29181.

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Tick 2 — 2026-06-26 ~07:29 — no change

Instance 5017 still in Qualified (updated_at 07:21:31, unchanged). Assign Lead not yet submitted. Recommendation above unchanged.