Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 17 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.
Han Jiwoo considering canceling savings plan for apartment down payment. Advised on partial withdrawal instead.
Birthday call to Cho Soyul. Mentioned nephew getting married — possible referral.
Renewal season touch. Dropped small gift (under policy limit) and calendar at Han Eunwoo's shop.
Birthday call to Han Sunwoo. Mentioned nephew getting married — possible referral.