Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 187 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.
Call w/ Jung Nayeon. Asked about the dollar whole life premium level. Sending illustration tomorrow.
Payment method switched to card at customer request.
Proposal presented: annuity top-up. Ahn Nari to discuss with spouse. Follow up next week.
Seminar follow-up. Seo Hanwool attended tax briefing, interested in annuity for spouse.