Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 808 verdicts and 1 cross-contract pattern.
Versioned longitudinal profile — each pass deepens as new events arrive.
Timing analysis recovered four undeclared surrender→rebuy chains. Combined with FYC spike and post-replacement complaints, escalated to high-severity replacement flag.
Replacement velocity on own book rising above unit norm; declared chains carry comparison notices inconsistently. Watching for undeclared linkage.
Baseline profile. Veteran book, strong persistency, high repeat-customer share. No anomaly.