Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 17 verdicts and 1 cross-contract pattern.
Versioned longitudinal profile — each pass deepens as new events arrive.
Recent issues deviate from own baseline: family-surname holders, missing consultation trails, failing happycalls, one 60-day surrender with clawback. Escalation-risk flag raised.
Baseline profile. First-year agent, thin book, income ramp below plan — financial-pressure context recorded, conduct clean.
Song Sera considering canceling savings plan for apartment down payment. Advised on partial withdrawal instead.
Visited Min Yuna's office. Discussed CEO plan and corporate tax angle. Follow-up in 2 weeks.
Reviewed beneficiary setup with Min Yuna after divorce finalized. Change form submitted.