Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 23 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.
Status: Hwang Gaeun delaying decision to next quarter. Budget tight after interior renovation.
Quick check-in with Song Okju. Premium burden OK after job change. Keep monitoring.
Call w/ Nam Jungsook. Asked about Hanbit Wealth Builder Savings premium level. Sending illustration tomorrow.
Seminar follow-up. Nam Jungsook attended tax briefing, interested in annuity for spouse.