Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 173 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.
Coffee meeting. Nam Changmin worried about retirement income. Walked through annuity options.
Needs analysis session done. Yoo Jihun risk appetite conservative, priority = family protection.
Proposal presented: our new health rider. Song Jiho to discuss with spouse. Follow up next week.