Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 3 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.
Min Sunhwa referred by an existing client. First meeting, intro to needs analysis. Positive.
Status: Min Sunhwa delaying decision to next quarter. Budget tight after interior renovation.
Met Noh Kyunghee with an existing client. Family group plan discussion — three members, staggered start.
Renewal season touch. Dropped small gift (under policy limit) and calendar at Noh Kyunghee's shop.
Call w/ Min Sunhwa. Asked about the dollar whole life premium level. Sending illustration tomorrow.