Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 171 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.
Coffee meeting. Shin Jinwoo worried about retirement income. Walked through annuity options.
Beneficiary changed to spouse per submitted form.
Met Lim Minseok near Bundang Seohyun station. Reviewed current coverage; gap on critical illness. Will prepare proposal.
Kwon Areum considering canceling savings plan for apartment down payment. Advised on partial withdrawal instead.