Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 127 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.
Call w/ Oh Mikyung. Asked about Hanbit Golden Years Annuity premium level. Sending illustration tomorrow.
Proposal presented: term upgrade. Cho Yerin to discuss with spouse. Follow up next week.