Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 1,173 verdicts and 1 cross-contract pattern.
Versioned longitudinal profile — each pass deepens as new events arrive.
Payment-instrument graph linked seven contracts of unrelated holders to one instrument tied to the agent's household; 2025 cohorts show post-qualification lapse cascade. Flag raised.
Baseline profile. MDRT-track veteran; quarter-end production skew noted as within contest-driven norms.
Address updated after move to Hanam Misa.
Needs analysis session done. Son Woojin risk appetite conservative, priority = family protection.
Customer cited budget pressure; retention offer declined.