Check every call against your rules, not 2% of them
Prismlet reads the transcript of every save-desk, sales and collections call and answers the questions your QA team now answers by hand. Your reviewers listen to the calls with a gap instead of a random sample.
Ask for an inviteToday
- QA listens to a small sample of calls, for example 2 calls in every 100. Most calls are never checked.
- Keyword categories catch the word, not the request. For example, "cancel the tech appointment" lands in the cancellation bucket while "I'm done, close my account" slips past.
- A second pitch after a clear no, or a promotion sold without its end date, comes to light when the customer complains, if it does at all.
- Every product, market and client script has its own list of what the agent must say, and reviewers score each call against it by hand.
What changes
- Every call gets the same questions, answered from its transcript.
- A reviewer gets the calls where the agent kept pitching after a no, put a hurdle in the way, left out a disclosure or pressed a customer who said they cannot pay.
- On Medicare Advantage broker calls, it checks that the disclaimer about which plans the agent represents comes before any benefit is discussed.
- Each answer carries how sure it is, so the unsure ones can go to a person too. Reviewers spend their time on flagged and unsure calls, not a random pick.
- Each flag is a suggestion for a person to listen to before anything reaches the agent. It never blocks or delays a cancellation.
Try it on this example
Market (US or UK): US
Channel (call, chat or email): call
Conversation with speaker labels
- What does the customer want to do about their service or contract?Clear request to cancel100%
- What main reason does the customer give for wanting to cancel?Price or a price rise100%
- Does the agent make a retention offer to keep the customer?Yes99%
- Does the agent keep offering or arguing for staying after the customer declines an offer or repeats that they want to leave?Yes96%
- Does the agent put a hurdle in the way of the customer's request to cancel?No71%
- How does the conversation end for the customer's request to cancel?Cancellation done or booked98%
- Does the agent explain what the customer will pay on leaving?Charges explained100%
- Does the customer express dissatisfaction with how their request to cancel is handled?Yes96%
- Does the agent log a complaint about the handling and give the customer the complaint route the rules require?No86%
These are real answers stored from one run on this example.
Rule set (as named in the context): US broadband and mobile
Sales call transcript with speaker labels
- Is this a call where the agent offers, sells or signs the customer up to a product or plan?Yes99%
- Does the agent give the opening statements the rule set requires before describing any product or its benefits?Yes93%
- Does the agent state the price the customer will pay, in the form the rule set requires?Yes93%
- How does the agent explain what the price depends on and when it changes, as the rule set requires?A condition left out99%
- Does the agent state the contract length, or that there is no fixed term?Yes99%
- Does the agent explain what it costs to leave early, or say that nothing does?Yes97%
- Does the agent tell the customer about their right to cancel after agreeing, as the rule set describes it?No88%
- Does the agent offer or point to the documents the rule set requires before the customer agrees?Yes93%
- How does the customer answer when asked to agree to the sale?Clear yes100%
- Does the agent make a claim the rule set forbids, or one likely to mislead the customer about the product?Yes92%
- Does the agent push the customer to decide now or talk over their objections?No92%
- Does the customer say they do not understand what they are agreeing to?No94%
- What should a person do with this sale before the order goes live?Compliance review first94%
These are real answers stored from one run on this example.
Market (UK or US): UK
Call transcript with speaker labels
- Is this a call about money the customer owes?Yes100%
- How much financial difficulty does the customer describe?Clear difficulty76%
- Does the customer say the amount owed is wrong or not theirs?No94%
- Does anyone on the call mention a legal protection or process that changes how the debt may be collected?Yes99%
- Does the customer say a debt adviser, an attorney or someone else is acting for them on the debt?Yes98%
- Does the customer ask to limit how, when or where they are contacted about the debt?No82%
- Does the customer say something about their health or circumstances that makes it harder to deal with the debt or the call?No68%
- Does the agent give the notices the rule set requires before discussing the debt?Yes94%
- Does the agent ask about the customer's income, outgoings or what they can afford before a payment is agreed?Not asked98%
- Does the agent threaten a collection step or press the customer to agree an amount they say they cannot afford?Yes97%
- Does the agent tell the customer about free debt advice or the support the company offers?No86%
- How does the agent respond when the customer raises a dispute, a protection, a representative or a contact limit?Raised, carried on100%
- What is agreed about repaying the debt by the end of the call?Plan agreed with doubts96%
These are real answers stored from one run on this example.
Who sells on the call (the plan itself, or a broker or agency for several plans): Third-party marketing organization (a licensed agency selling plans for several organizations)
Sales call transcript with speaker labels
- Is this a call where the agent discusses, offers or enrolls the caller in a Medicare plan?Yes99%
- Is the caller told that the call is recorded?Yes99%
- Does the agent give the third-party marketing organization disclaimer, and before discussing any benefit?Given after benefits were discussed99%
- Does the agent confirm which kinds of product the caller agreed to discuss, before discussing any plan or benefit?No87%
- Does the agent market a product outside the scope the caller agreed, or a non-health product?No87%
- Before any enrollment, does the agent discuss the caller's doctors, pharmacy, drugs, costs and health needs, as the rules list them?Some topics missed99%
- Does the agent review the Pre-Enrollment Checklist with the caller before completing a phone enrollment?Not reviewed100%
- Does the agent tell the caller where to find the Summary of Benefits before completing a phone enrollment?Told before enrollment95%
- Does the agent make a claim the rules forbid, or one likely to mislead the caller?Yes93%
- Does the agent push the caller to decide now or brush aside their questions?Yes93%
- Does the caller say they do not understand what they are agreeing to?Yes98%
- How does the caller answer when asked to agree to the enrollment?Hesitant yes100%
- What should a person do with this sales call before the enrollment goes through?Compliance review first99%
These are real answers stored from one run on this example.
Test it on your own data
The quickest way to decide is a file run on your own records. A file run in the app answers up to 10,000 rows and gives you the file back with the answers added.
This is for the first prism, Check every cancellation was handled by the rules. Each prism lists its own fields in "The prisms behind it" below.
- What to send
- A CSV or TSV file with column names in the first row, or a JSON array of objects, one item per row. You pick the column for each thing the prism reads: Market (US or UK); Channel (call, chat or email); Conversation with speaker labels. A row's fields together take up to about 100,000 characters.
- What comes back
- The same rows with the prism's columns added: cancel_intent, cancel_intent_probability, cancel_reason, cancel_reason_probability, retention_offer_made, retention_offer_made_probability, pitched_after_refusal, pitched_after_refusal_probability, hurdle_to_cancel, hurdle_to_cancel_probability, cancel_outcome, cancel_outcome_probability, charges_explained, charges_explained_probability, complaint_raised, complaint_raised_probability, complaint_route_given, complaint_route_given_probability. Each answer says how sure it is, so the unsure rows are easy to find and give to a person.
- Against your team's answers
- Add columns with the answers your team gave, and the app reports how often Prismlet agreed, question by question and at each cutoff, split by a column such as language or site, with every miss listed. Your team's answers stay in your browser.
How it reaches your team
Works today
- Call the API from your own system as each call closes and its transcript is ready
- Run a file of up to 10,000 transcripts in the app, one call per row, up to about 100,000 characters a row
Built with you
- We work with your team to send each transcript from your contact center platform or speech analytics export, such as Genesys or NICE CXone, when the call closes
- We work with you to put each flag and its answers into the QA or case tool your reviewers already use
- Together we build flag rates by site, team and BPO partner, counted only from calls a person has reviewed
The prisms behind it
Check every cancellation was handled by the rules
Fields
- Market (US or UK)
- Channel (call, chat or email)
- Conversation with speaker labels
Context
These conversations come from the save desk or the customer service queue of a broadband, mobile, pay TV or subscription business. The market field says which rule set applies: the US rules to a US customer, the UK rules to a UK customer. The house rules apply to both. House rules: - Every agent who takes the conversation can process a cancellation. Transferring the customer, asking them to call back, or sending them to a website, a letter or another team to cancel is a hurdle, unless the customer asks for it. - An agent may make one retention offer after a request to cancel. Once the customer declines it or repeats that they want to leave, the agent stops offering and processes the cancellation. - An agent may ask why the customer is leaving, but may not require a reason before processing. - The agent confirms the cancellation with the date it takes effect, and explains any charge that applies: an early termination fee, a final bill or unreturned equipment. - If the customer is unhappy with how the request is handled, the agent logs a complaint and gives the route the market's rules below require. US rules (state automatic renewal and cancellation laws): - The FTC's click-to-cancel rule was vacated in 2025, so state laws set the floor. Several states, California among them, require that a customer can cancel by the same means they signed up, including by phone, and California's law as amended from July 2025 limits save offers so they do not stand in the way of the cancellation. - State attorneys general have acted against businesses that kept customers on hold, transferred them repeatedly, or kept billing after a request to cancel. - Complaint route: the agent says the complaint is logged, that the customer relations team will contact the customer, and how to reach that team directly. UK rules (Ofcom): - Ofcom expects a provider to act on a request to cancel without repeated transfers, without continuing to push retention offers after the customer has said no, and with front-line staff able to process it. - Complaint route: the agent says the complaint is logged, explains how the provider's complaints code works, and tells the customer they can take an unresolved complaint to the provider's alternative dispute resolution scheme after eight weeks, or sooner once the provider sends a final response. Which state's law applies to a customer is decided by the business's legal team, not by these answers. Judge only what is said in the conversation.
Questions
What does the customer want to do about their service or contract? Choice
Read the whole conversation and go by the customer's clearest statement about ending their service or contract. A request to cancel an appointment, an order or one add-on is not a request to end the service. Pick one option.
What main reason does the customer give for wanting to cancel? Choice
Pick the reason the customer gives most weight. Go only by what the customer says; do not guess a reason from the account or the plan. If the customer gives no reason, or never asks to cancel, pick No reason given.
Does the agent make a retention offer to keep the customer? Yes / No
Count any discount, cheaper or different package, credit, free period or extra offered to persuade the customer to stay. Telling the customer about their options when they ask is not an offer. Yes: The agent offers at least one discount, package, credit, free period or extra to keep the customer. No: The agent makes no retention offer, or there is no agent in the conversation.
Does the agent keep offering or arguing for staying after the customer declines an offer or repeats that they want to leave? Yes / No
Does the agent make another offer, repeat one, or argue for staying after the customer has refused? Our rule allows one retention offer; once the customer declines it or repeats that they want to leave, the agent stops offering and processes the cancellation. A refusal is the customer turning down an offer, or saying again that they want to leave after the agent has tried to keep them. Accepting an offer, saying maybe, asking what cancelling would cost, or never asking to leave is not a refusal. If the customer never refuses, the answer is No. A pitch is anything the agent says after a refusal to keep the customer: a new offer, the same offer again, a warning about what they will lose, or asking whether they are sure together with a reason to stay. Processing or refusing to process the cancellation, confirming the date and charges, or offering help with the final bill is not a pitch. One pitch after a refusal is enough for Yes, however short the conversation. Yes: After a refusal, the agent makes at least one more offer or argues for staying. No: The customer never refuses, or after every refusal the agent only processes, confirms or closes the request.
Does the agent put a hurdle in the way of the customer's request to cancel? Yes / No
A hurdle is any of these: saying they cannot process the cancellation; transferring the customer, or asking them to call back, write in, or use a website or another team to cancel; requiring a reason, or requiring the customer to hear an offer, before processing. Whether a charge the agent states is in the customer's contract is checked elsewhere. A transfer or another channel the customer asks for is not a hurdle. Retention offers on their own belong to the question on pitching after a refusal, not to this one. Yes: The agent puts at least one such hurdle in the way of the request. No: The agent puts no such hurdle in the way, or the customer never asks to cancel.
How does the conversation end for the customer's request to cancel? Choice
Judge where the request stands when the conversation ends. Pick one option.
Does the agent explain what the customer will pay on leaving? Choice
Consider early termination fees, the final bill and charges for equipment that is not returned. Pick one option.
Does the customer express dissatisfaction with how their request to cancel is handled? Yes / No
Count dissatisfaction in any words with the offers, the transfers, the waiting, the repetition or the agent's handling of the request. Dissatisfaction only with the price or the service they are leaving does not count here. Yes: The customer says, in any words, that they are unhappy with how the request is being handled. No: The customer expresses no dissatisfaction with how the request is handled.
Does the agent log a complaint about the handling and give the customer the complaint route the rules require? Yes / No
Use the complaint route in the rule set for the market field. An apology on its own is not a complaint route. Yes: The agent says the complaint is logged and gives the route the market's rules require. No: The customer is unhappy with the handling and the agent does not log it, or gives no route or only part of it; or the customer makes no complaint about the handling.
Lens columns
cancel_intent, cancel_intent_probability, cancel_reason, cancel_reason_probability, retention_offer_made, retention_offer_made_probability, pitched_after_refusal, pitched_after_refusal_probability, hurdle_to_cancel, hurdle_to_cancel_probability, cancel_outcome, cancel_outcome_probability, charges_explained, charges_explained_probability, complaint_raised, complaint_raised_probability, complaint_route_given, complaint_route_given_probability
This prism on its own pageCheck every sales call for the disclosures it must include
Fields
- Rule set (as named in the context)
- Sales call transcript with speaker labels
Context
These are recorded sales calls, inbound or outbound, where an agent offers a product or plan to a customer. The rule_set field names which rule set below applies. Each rule set lists what the agent must say at the start of the call, the terms they must state, the documents they must offer before the customer agrees, and the claims they must never make. Every item in the rule set applies to every sale. Rule set: US broadband and mobile Set by the provider's sales policy, drawn from the FCC's broadband label rules and state consumer protection laws. - Opening: the agent gives their name and the company's name, and the call carries a recording notice, before describing any plan. - Price: the monthly price the customer will pay, and that taxes and fees are extra when they are. - Price conditions: how long a promotional price lasts and the price after it, and any discount that depends on autopay, paperless billing or a bundle, with the price without it. - Contract length: the term, or that there is none. - Exit terms: any early termination fee, and what happens to device payments or equipment on leaving. - Right to cancel: the customer can cancel within 30 days of installation or activation for a refund of the first month. - Documents: before the customer agrees, the agent offers the broadband facts label for the plan or tells the customer where to find it. - Never: say a promotional price is permanent or will not change, claim to be the customer's current provider, or promise speeds the label does not show. Rule set: UK energy and broadband Set by Ofgem's rules on sales and its Standards of Conduct for energy, Ofcom's General Conditions for broadband and mobile, and the Consumer Contracts Regulations for sales made by phone. - Opening: the agent gives their name and the company's name and says the call is a sales call. - Price: energy unit rates and standing charges, or the broadband monthly price. - Price conditions: for broadband, any price rise during the contract, in pounds and pence; for energy, whether the tariff is fixed or variable. - Contract length: the term. - Exit terms: exit fees, or that there are none. - Right to cancel: a 14-day cooling-off period from the day the contract is agreed. - Documents: for broadband, the contract summary before the customer agrees; for energy, that the principal terms will be sent. - Never: claim to be from Ofgem, Ofcom, the government or the customer's current supplier, or say the customer must switch. Judge only what is said in the call. Whether the person on the call is the account holder is checked by code.
Questions
Is this a call where the agent offers, sells or signs the customer up to a product or plan? Yes / No
Count calls where a product or plan is described, offered or signed up, whether or not the customer agrees. Yes: The agent describes, offers or signs the customer up to a product or plan. No: The call is only about service, billing, a fault or an existing plan, with nothing offered. The disclosure questions then have nothing to check.
Does the agent give the opening statements the rule set requires before describing any product or its benefits? Yes / No
Use the opening item of the rule set named in the rule_set field, such as the agent's name and company, a recording notice or a sales call notice. A recorded announcement quoted in the transcript counts. Order matters: each opening statement must come before the agent starts describing a product, a price or a benefit. Yes: Every opening statement the rule set requires is given, and before any product is described. No: An opening statement is missing, or comes only after the agent has started describing a product or its benefits.
Does the agent state the price the customer will pay, in the form the rule set requires? Yes / No
Use the price item of the rule set, such as a monthly price and whether taxes are extra, or unit rates and standing charges. Yes: The price is stated in the form the rule set requires. No: No price is stated, or only part of it, for example a saving without the price it comes off.
How does the agent explain what the price depends on and when it changes, as the rule set requires? Choice
Use the price conditions item of the rule set, such as how long a promotional price lasts and the price after it, a discount that depends on autopay or paperless billing, a price rise during the contract, or whether an energy tariff is fixed or variable. A vague reassurance in answer to the customer's question does not count as an explanation. Pick one option.
Does the agent state the contract length, or that there is no fixed term? Yes / No
Use the contract length item of the rule set. Yes: The agent states the term, or says there is no fixed term. No: The agent says nothing about the contract length.
Does the agent explain what it costs to leave early, or say that nothing does? Yes / No
Use the exit terms item of the rule set, such as early termination fees, device balances or charges for equipment not returned. Yes: The agent explains the exit costs the rule set requires, or says there are none. No: The agent does not state the exit terms, or dodges a question about them.
Does the agent tell the customer about their right to cancel after agreeing, as the rule set describes it? Yes / No
Use the right to cancel item of the rule set, such as a 14-day cooling-off period or a 30-day guarantee. Explaining how to leave later with a fee is not the right to cancel. Yes: The agent states the right to cancel as the rule set describes it. No: The agent does not state it, or states it wrongly.
Does the agent offer or point to the documents the rule set requires before the customer agrees? Yes / No
Use the documents item of the rule set, such as a broadband facts label, a contract summary or principal terms. Yes: Each document the rule set names is offered, sent, reviewed or pointed to before the customer agrees. No: A required document is not mentioned, or only after the customer has agreed.
How does the customer answer when asked to agree to the sale? Choice
Judge the customer's final answer to the sale. Go by what the person says about who they are; whether they are the account holder is checked by code. Pick one option.
Does the agent make a claim the rule set forbids, or one likely to mislead the customer about the product? Yes / No
Use the never item of the rule set. Count claims to be from or to work for a regulator, the government or the current provider; saying a price will not change when it will; saying the customer must switch or will lose something if they do not; and promises the terms do not support. A dodge that leaves the customer believing something false counts. Yes: The agent makes at least one such claim. No: The agent makes no such claim.
Does the agent push the customer to decide now or talk over their objections? Yes / No
Count false urgency, such as a price only for today; repeating the pitch after the customer says no or asks for time; and talking over or brushing aside their questions. Yes: The agent uses at least one of these. No: The agent lets the customer decide at their own pace and answers their questions.
Does the customer say they do not understand what they are agreeing to? Yes / No
Go only by what the customer says, never by accent, fluency or tone of voice. Count a customer saying they do not understand, did not know they were signing up, want to stop, or have trouble with memory or understanding. Yes: The customer says at least one of these. No: The customer says nothing of the kind.
What should a person do with this sale before the order goes live? Choice
Judge the call as a whole against the rule set. The answer is a suggestion for a person; it does not hold or cancel the order. Pick one option.
Lens columns
is_sales_call, is_sales_call_probability, opening_statements_given, opening_statements_given_probability, price_stated, price_stated_probability, price_conditions_stated, price_conditions_stated_probability, term_stated, term_stated_probability, exit_terms_stated, exit_terms_stated_probability, cancellation_right_stated, cancellation_right_stated_probability, key_documents_offered, key_documents_offered_probability, customer_agreement, customer_agreement_probability, misleading_claim, misleading_claim_probability, pressure_used, pressure_used_probability, customer_confused, customer_confused_probability, next_step, next_step_probability
This prism on its own pageCheck every debt call for the protections customers must get
Fields
- Market (UK or US)
- Call transcript with speaker labels
Context
These are calls about money a customer owes: arrears on an energy, water, broadband, mobile or credit account, or a debt being collected. The market field says which rule set applies: the UK rules to a UK customer, the US rules to a US customer. Each rule set says what the agent must say, what they must ask, what they must do when the customer raises a protection, and what they must never do. UK rules: Drawn from Ofgem's ability-to-pay rules and Standards of Conduct for energy suppliers, the FCA's Consumer Duty and its debt collection rules (CONC 7) for lenders and collectors, and the Debt Respite Scheme (Breathing Space) in England and Wales. - Notices: the agent gives their name and the company's name, says the call is recorded, and confirms they are speaking to the account holder before discussing the debt. - Affordability: before agreeing any payment, the agent asks about the customer's income and essential outgoings, and agrees only an amount the customer says they can afford. - Support: the agent tells a customer in difficulty about free, independent debt advice, and about any hardship fund, payment break or support scheme the company offers. - Protections: two cases hold collection, for different lengths. A Breathing Space moratorium, including a mental health crisis moratorium, stops collection for its whole length: when the customer says one is in place, the agent notes it and stops asking for payment. A repayment plan being arranged with a debt adviser holds collection for at least 30 days so the adviser can work with the customer (CONC 7.3.12G): when the customer says a debt adviser is helping them, including while the adviser applies for Breathing Space, the agent notes it and does not press for a payment or a plan on the call. When the customer says they are in or applying for a debt relief order, an IVA or bankruptcy, the agent notes it, stops asking for payment and passes the account to the specialist team. A dispute about the amount goes to the billing team, and collection of the disputed part stops while it is checked. - Contact: a request to be contacted only at certain times, by a certain channel, or through a representative is recorded and followed. - Never: threaten disconnection, a prepayment meter, a warrant, court or a debt collection agency to get a payment, or press the customer to agree an amount after they say they cannot afford it. The agent may explain the next steps once, as information, when the customer asks. US rules: Drawn from the Fair Debt Collection Practices Act and Regulation F, which bind third-party debt collectors and which many creditors follow as policy, state laws such as California's Rosenthal Act, the bankruptcy automatic stay and the Servicemembers Civil Relief Act. - Notices: the agent confirms they are speaking to the customer before discussing the debt, and says the call is recorded where the program requires it. On a program run by a debt collector, the agent says on every call that it is a debt collector attempting to collect a debt and that any information obtained will be used for that purpose. - Affordability: before agreeing a payment, the agent asks what the customer can afford. - Support: the agent tells a customer in hardship about the company's hardship programs and that free nonprofit credit counseling is available. - Protections: when the customer says an attorney represents them for the debt, that they have filed or will file for bankruptcy, or that they are on active military duty, the agent stops discussing payment, takes the attorney's details or the case number, and passes the account to the specialist team. A dispute about the debt goes to the disputes team, and collection pauses on it. - Contact: a request to stop calling, to stop calling at work, or not to call at a time the customer says is inconvenient is recorded and followed. - Never: threaten arrest, wage garnishment, a lawsuit or credit reporting that is not intended or not lawful, discuss the debt with anyone other than the customer or their representative, or press the customer to agree an amount after they say they cannot afford it. Judge only what is said in the call. Do not infer a health condition, a disability or a financial situation from tone, accent or language. These answers select calls for a person to review. They never decide who is collected from, what plan a customer gets, or whether a meter is fitted, and checks against a Breathing Space register or a bankruptcy database are made by code.
Questions
Is this a call about money the customer owes? Yes / No
Count calls about arrears, a missed payment, a payment plan, or a debt being collected, whoever started the call. Yes: The call discusses money the customer owes or a plan to repay it. No: The call is about something else, such as a fault, a move or a new sale, and no debt is discussed.
How much financial difficulty does the customer describe? Scale
Go only by what the customer says about their money. Pick the level that fits their strongest statement.
Does the customer say the amount owed is wrong or not theirs? Yes / No
Count a billing error, a catch-up bill they challenge, charges after they moved out or closed the account, a debt they say belongs to someone else, or a request to prove the debt. Yes: The customer disputes the amount or says the debt is not theirs. No: The customer accepts the debt, or says nothing against it.
Does anyone on the call mention a legal protection or process that changes how the debt may be collected? Yes / No
Count Breathing Space, a mental health crisis moratorium, a debt relief order, an IVA, bankruptcy filed or planned, or active military duty, whether already in place or being applied for. Yes: At least one of these is mentioned. No: None of these is mentioned.
Does the customer say a debt adviser, an attorney or someone else is acting for them on the debt? Yes / No
Count a debt advice charity or adviser, an attorney or solicitor, a relative or carer with authority, or anyone the customer says is helping them deal with the debt. Yes: The customer names or mentions such a person or organisation. No: No one acting for the customer is mentioned.
Does the customer ask to limit how, when or where they are contacted about the debt? Yes / No
Count a request to stop calls, to stop calls at work, not to call at certain times, to use one channel only, or to contact a representative instead. Yes: The customer asks for at least one such limit. No: The customer asks for no limit on contact.
Does the customer say something about their health or circumstances that makes it harder to deal with the debt or the call? Yes / No
Count what the customer says about physical or mental health, disability, a bereavement, caring for someone, or a similar personal circumstance that affects their ability to pay or to deal with the call. Money trouble on its own belongs to the financial difficulty question, not this one. Never infer it from tone, accent or language. Yes: The customer says something of this kind. No: The customer says nothing of this kind.
Does the agent give the notices the rule set requires before discussing the debt? Yes / No
Use the notices item of the rule set for the market field, such as the agent's name and company, a recording notice, confirming they are speaking to the account holder, or a debt collector notice. A recorded announcement quoted in the transcript counts. Yes: Every notice the rule set requires is given, before the debt is discussed. No: A required notice is missing, or comes only after the debt is discussed.
Does the agent ask about the customer's income, outgoings or what they can afford before a payment is agreed? Choice
Use the affordability item of the rule set for the market field. An amount the customer volunteers without being asked does not count as the agent asking. Pick one option.
Does the agent threaten a collection step or press the customer to agree an amount they say they cannot afford? Yes / No
Use the never item of the rule set. Count threats of disconnection, a prepayment meter, a warrant, court, a collection agency, credit reporting, garnishment or arrest used to get a payment, and pressing the customer to agree an amount after they say they cannot afford it. Explaining the next steps once, as information, when the customer asks is not pressure. Yes: The agent does at least one of these. No: The agent does none of these.
Does the agent tell the customer about free debt advice or the support the company offers? Yes / No
Use the support item of the rule set: free, independent debt advice or credit counseling, a hardship fund, a payment break, a social tariff or a hardship program. The customer's own mention of an adviser does not count as the agent signposting. Yes: The agent tells the customer about at least one such kind of help. No: The agent mentions no such help.
How does the agent respond when the customer raises a dispute, a protection, a representative or a contact limit? Choice
Use the protections and contact items of the rule set for the market field. Count a dispute of the debt, a legal protection or process, someone acting for the customer, or a request to limit contact. Under the UK rules, a Breathing Space in place stops collection for its whole length, and a debt adviser helping the customer arrange a repayment plan holds collection for at least 30 days; in both cases the agent must not press for a payment or a plan on the call. When the customer raises more than one, pick "Raised, carried on" if the agent carries on after any of them. Pick one option.
What is agreed about repaying the debt by the end of the call? Choice
Judge where things stand when the call ends. Pick one option.
Lens columns
is_debt_conversation, is_debt_conversation_probability, financial_difficulty, financial_difficulty_average, debt_disputed, debt_disputed_probability, formal_protection_mentioned, formal_protection_mentioned_probability, representative_involved, representative_involved_probability, contact_limit_requested, contact_limit_requested_probability, vulnerability_disclosed, vulnerability_disclosed_probability, required_notices_given, required_notices_given_probability, affordability_asked, affordability_asked_probability, pressure_used, pressure_used_probability, support_signposted, support_signposted_probability, continued_after_protection, continued_after_protection_probability, plan_outcome, plan_outcome_probability
This prism on its own pageCheck Medicare Advantage sales calls for their disclaimers
Fields
- Who sells on the call (the plan itself, or a broker or agency for several plans)
- Sales call transcript with speaker labels
Context
These are recorded Medicare Advantage and Part D sales calls, inbound or outbound, between a sales agent and a person with Medicare or someone helping them. The seller field says whether the agent works for the plan itself or for a third-party marketing organization: a broker, agency or call centre that sells plans for several organizations. The rules below are summarised from the CMS marketing and communications rules for Medicare Advantage and Part D, and the plan's own sales policy. Every item applies to every sales call unless it names who it applies to; an item that does not apply is never counted as met. - Recording notice (plan policy): the caller is told the call is recorded. CMS requires third-party marketing organizations to record and keep every marketing and sales call. - Third-party marketing organization disclaimer: when the seller is a third-party marketing organization, the agent says this before discussing any benefit: "We do not offer every plan available in your area. Currently we represent [number] organizations which offer [number] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options." An agency that represents every organization in the area says instead that it represents that number of organizations and products, and that the caller can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices. - Scope of appointment: before discussing any plan or benefit, the agent confirms and records which kinds of product the caller agreed to discuss, such as Medicare Advantage plans, prescription drug plans or Medicare supplement insurance. The agent markets nothing outside that scope, and no non-health product such as an annuity or life insurance. - Needs discussion: before an enrollment, the agent discusses the caller's primary care doctor and specialists and whether they are in network, their pharmacy and whether it is in network, their prescription drugs and whether they are covered and what they cost, the costs of care, premiums, benefits, and any specific health care needs. - Pre-Enrollment Checklist: before completing an enrollment by phone, the agent reviews its contents with the caller: the Evidence of Coverage, the provider and pharmacy directories, the drug list, premiums and cost sharing, emergency and urgent care coverage, and the rules of the plan type, such as referrals and network limits. - Summary of Benefits: before completing an enrollment by phone, the agent tells the caller where the Summary of Benefits can be found. - Never: claim to be from, or to be recommended or endorsed by, Medicare, CMS or the government; use the Medicare name in a misleading way; call something free in a misleading way; suggest the plan is a Medicare supplement; or say anything likely to mislead or confuse the caller about a plan's benefits, costs, network or rules. - No pressure (plan policy): no false urgency, such as saying plans or benefits are running out, and no repeating the pitch after the caller says no or asks for time. Rules that turn on the clock or the calendar are checked by code from call timestamps and records, never here: how many seconds into the call the disclaimer comes, how long before a meeting a scope of appointment was recorded, and enrollment periods. Whether the person agreeing is the beneficiary or their authorized representative is checked by code. Judge only what is said in the call, in the order it is said.
Questions
Is this a call where the agent discusses, offers or enrolls the caller in a Medicare plan? Yes / No
Count calls where a Medicare Advantage or drug plan, or its benefits, is discussed, offered or enrolled in, whether or not the caller enrolls. Yes: The agent discusses, offers or enrolls the caller in a Medicare plan. No: The call is only about service, a claim, a bill or an existing plan, with no plan offered. The disclosure questions then have nothing to check.
Is the caller told that the call is recorded? Yes / No
Read the transcript. A recorded announcement quoted in the transcript counts. Yes: The caller is told the call is recorded. No: Nothing in the call tells the caller it is recorded.
Does the agent give the third-party marketing organization disclaimer, and before discussing any benefit? Choice
Read the seller field and the disclaimer item in the context. The full disclaimer says how many organizations and products the agent represents and points the caller to Medicare.gov or 1-800-MEDICARE. Judge the order in which things are said in the transcript. Pick one option.
Does the agent confirm which kinds of product the caller agreed to discuss, before discussing any plan or benefit? Yes / No
Use the scope of appointment item in the context. Order matters: the confirmation must come before the agent describes any plan or benefit. Yes: The agent confirms the kinds of product the caller agreed to discuss, before describing any plan or benefit. No: The agent never confirms the scope, or confirms it only after describing a plan or benefit.
Does the agent market a product outside the scope the caller agreed, or a non-health product? Yes / No
Use the scope of appointment item in the context. If no scope was agreed, count any kind of product beyond the one the caller called or was called about. Yes: The agent markets at least one product outside the agreed scope, or a non-health product such as an annuity or life insurance. No: The agent markets only products within the agreed scope.
Before any enrollment, does the agent discuss the caller's doctors, pharmacy, drugs, costs and health needs, as the rules list them? Choice
Use the needs discussion item in the context: primary care doctor and specialists and whether they are in network, pharmacy, prescription drugs and their coverage and cost, costs of care, premiums, benefits, and specific health care needs. A topic the caller raises that the agent brushes aside is not discussed. Pick one option.
Does the agent review the Pre-Enrollment Checklist with the caller before completing a phone enrollment? Choice
Use the Pre-Enrollment Checklist item in the context. Saying that paperwork will come in the mail is not a review. Pick one option.
Does the agent tell the caller where to find the Summary of Benefits before completing a phone enrollment? Choice
Use the Summary of Benefits item in the context. Pick one option.
Does the agent make a claim the rules forbid, or one likely to mislead the caller? Yes / No
Use the never item in the context. Count claims to be from, to work for, or to be endorsed by Medicare, CMS or the government, including a yes to "Is this Medicare?"; "free" used in a misleading way; suggesting the plan is a Medicare supplement; and statements about benefits, costs, doctors, drugs or current coverage that the call gives no ground for. A dodge that leaves the caller believing something false counts. Yes: The agent makes at least one such claim. No: The agent makes no such claim.
Does the agent push the caller to decide now or brush aside their questions? Yes / No
Use the no pressure item in the context. Count false urgency, such as plans or benefits running out; repeating the pitch after the caller says no or asks for time; and brushing aside or talking over their questions. Yes: The agent does at least one of these. No: The agent lets the caller decide at their own pace and answers their questions.
Does the caller say they do not understand what they are agreeing to? Yes / No
Go only by what the caller says, never by age, accent, fluency or tone of voice. Count a caller saying they do not understand, did not know they were enrolling, thought the call was about something else, want to stop, want someone else to help them decide, or have trouble with memory or understanding. Yes: The caller says at least one of these. No: The caller says nothing of the kind.
How does the caller answer when asked to agree to the enrollment? Choice
Judge the final answer to the enrollment. Go by what the person says about who they are; whether they are the beneficiary or an authorized representative is checked by code. Pick one option.
What should a person do with this sales call before the enrollment goes through? Choice
Judge the call as a whole against the rules in the context. The answer is a suggestion for a person; it does not hold or cancel any enrollment. Pick one option.
Lens columns
is_sales_call, is_sales_call_probability, recording_notice_given, recording_notice_given_probability, tpmo_disclaimer, tpmo_disclaimer_probability, scope_confirmed, scope_confirmed_probability, outside_scope_product, outside_scope_product_probability, needs_topics, needs_topics_probability, pre_enrollment_checklist, pre_enrollment_checklist_probability, summary_of_benefits, summary_of_benefits_probability, prohibited_claim, prohibited_claim_probability, pressure_used, pressure_used_probability, caller_confused, caller_confused_probability, enrollment_outcome, enrollment_outcome_probability, next_step, next_step_probability
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