Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 38 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.
Proposal presented: the dollar whole life. Yoon Seungwoo to discuss with spouse. Follow up next week.
Customer cited budget pressure; retention offer declined.
Yoo Sera referred by an existing client. First meeting, intro to needs analysis. Positive.
Annual review with Kang Myungja. No changes requested. Kids starting school next year — flagged education fund.