Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 620 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.
Address updated after move to Yuseong-gu.
Annual review with Heo Nayeon. No changes requested. Kids starting school next year — flagged education fund.
Met Cho Jungmin near Gangnam station. Reviewed current coverage; gap on critical illness. Will prepare proposal.
Address updated after move to Haeundae-gu.
Birthday call to Jeon Soyul. Mentioned nephew getting married — possible referral.
Status: Kang Soyeon delaying decision to next quarter. Budget tight after interior renovation.