Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 19 verdicts and 0 cross-contract patterns.
Versioned longitudinal profile — each pass deepens as new events arrive.
Baseline profile computed from the full book: production, persistency, payment hygiene, and service cadence all within cohort norms. No signals; next scheduled deepening on new-event triggers.
Quick check-in with Kang Sanghoon. Premium burden OK after job change. Keep monitoring.
Call w/ Yoo Kyunghee. Asked about our new health rider premium level. Sending illustration tomorrow.
Reviewed beneficiary setup with Bae Sunwoo after divorce finalized. Change form submitted.
Kim Hyunwoo considering canceling savings plan for apartment down payment. Advised on partial withdrawal instead.