refactor estimation service to use structured agent

README.md

@@ -5,7 +5,7 @@ A FastAPI-based insurance AI assistant that integrates with talestorm-ai for cha
 ## Features
 
 - **Insurance Chat**: AI-powered chat interface for insurance-related questions
-- **Insurance Estimation**: Comprehensive underwriting and pricing estimation
+- **Insurance Estimation**: AI-powered estimation using TALESTORM API for comprehensive underwriting and pricing
 - **Integration**: Seamless integration with talestorm-ai API
 - **Modern API**: Built with FastAPI for high performance and automatic documentation
 
@@ -43,7 +43,8 @@ OPENAI_API_KEY=your-openai-api-key-here
 # lolly-ai Configuration
 PUBLIC_LOLLY_PORT=7310
 TALESTORM_API_KEY=your-talestorm-api-key-here
-TALESTORM_AGENT_ID=your-talestorm-agent-id-here
+TALESTORM_AGENT_ID=your-talestorm-chat-agent-id-here
+TALESTORM_ESTIMATION_AGENT_ID=your-talestorm-estimation-agent-id-here
 INSURANCE_API_BASE_URL=https://apilolly.cyberpug.ru
 
 # Server Configuration
@@ -90,6 +91,51 @@ To remove volumes as well:
 docker compose down -v
 ```
 
+## Agent Configuration
+
+The system uses two different TALESTORM agents for different purposes:
+
+- **TALESTORM_AGENT_ID**: Used for general insurance chat functionality
+- **TALESTORM_ESTIMATION_AGENT_ID**: Used specifically for insurance estimation with structured output schema
+
+This separation allows for specialized agents optimized for their respective tasks.
+
+## Estimation Service
+
+The estimation service has been refactored to use the TALESTORM API instead of local underwriting logic. This provides:
+
+- **AI-Powered Analysis**: Uses advanced AI models for risk assessment and pricing
+- **Comprehensive Evaluation**: Analyzes all health factors, medications, and conditions
+- **Structured Output**: Returns detailed tier assignments and pricing for each applicant
+- **Flexible Response**: Handles both accepted and rejected applications with detailed reasoning
+
+### Estimation Request Format
+
+The service accepts insurance application data and returns structured estimation results:
+
+```json
+{
+  "status": "accepted",
+  "details": {
+    "dtq": false,
+    "reason": "All applicants have manageable conditions...",
+    "tier": 3,
+    "total_price": 815.75
+  },
+  "results": [
+    {
+      "name": "Sarah Johnson",
+      "applicant_type": "primary",
+      "age": 39,
+      "bmi": 23.38,
+      "tier": 3,
+      "rx_spend": 40.0,
+      "message": "Type 2 diabetes well-controlled..."
+    }
+  ]
+}
+```
+
 ## API Endpoints
 
 All API endpoints are versioned under `/api/v1/`: