Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 200 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.
Resolved after explanation call and document reissue.
Seo Jiwoo considering canceling savings plan for apartment down payment. Advised on partial withdrawal instead.
Quick check-in with Seo Jiwoo. Premium burden OK after job change. Keep monitoring.