Every contract in the book is scored on its own. This agent’s risk is the analyzer’s rollup of those 23 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.
Annual review with Park Sera. No changes requested. Kids starting school next year — flagged education fund.
Min Seoah referred by an existing client. First meeting, intro to needs analysis. Positive.
Met Ahn Yerin with an existing client. Family group plan discussion — three members, staggered start.
Call w/ Oh Eunji. Asked about our new health rider premium level. Sending illustration tomorrow.
Quick check-in with Park Taeyang. Premium burden OK after job change. Keep monitoring.