Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 4 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.
Met Cho Sera with Kang Eunji. Family group plan discussion — three members, staggered start.
Quick check-in with Cho Sera. Premium burden OK after job change. Keep monitoring.
Coffee meeting. Lim Mirae worried about retirement income. Walked through annuity options.
KTX ride back — call with Lim Mirae, wants to compare our dollar WL vs bank ELS. Set meeting Fri.
Cho Sera complained about app login. Helped reset. Also asked about policy loan rate.
Annual review with Kang Eunji. No changes requested. Kids starting school next year — flagged education fund.
Seminar refreshments for prospect briefing (330,000 KRW).