Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 61 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.
Kwon Jaehyun complained about app login. Helped reset. Also asked about policy loan rate.
Kim Dongwook complained about app login. Helped reset. Also asked about policy loan rate.
Annual review with Kwon Jaehyun. No changes requested. Kids starting school next year — flagged education fund.
Coffee meeting. Hwang Jaewon worried about retirement income. Walked through annuity options.