Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 615 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.
Beneficiary changed to spouse per submitted form.
Customer cited budget pressure; retention offer declined.
Coffee meeting. Min Kyunghee worried about retirement income. Walked through annuity options.