Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 43 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.
Needs analysis session done. Min Seoyeon risk appetite conservative, priority = family protection.
Met Cho Jungsook with an existing client. Family group plan discussion — three members, staggered start.
Coffee meeting. Kwon Taeyang worried about retirement income. Walked through annuity options.