Flags

Six referral-chained customers sharing an address block and phone prefix hold 11 protection contracts; nine claims filed 60–120 days after issue, concentrated at Hanseong Medical Center, with a payout account shared across different insureds.

Ten surrender→new-issue chains since Nov 2025 on the agent's own book; 4 of 10 undeclared as replacements and 4 more missing the mandatory comparison notice, with a first-year-commission spike in the same window.

One payment fingerprint funds premiums on 7 contracts held by unrelated policyholders, issued in quarter-end bursts; earlier cohorts show a paid→missed→lapsed cascade once the qualification window passed.

Rookie under income pressure wrote 5 recent contracts: two on same-surname family members, two with no consultation activity before application, happycalls failing or pending, and one already surrendered within 60 days triggering clawback.

11 recent issues carry skipped or failed completion calls; no conduct anomaly detected elsewhere — likely operational negligence, but 완전판매 verification is legally incomplete until cured.

After absorbing most of a terminated agent's book in Feb 2026, reassigned customers show service silence and two complaints; confirmed as a capacity issue and routed to branch operations.

Rules layer flagged repeated payer instruments across policyholders; reasoning layer verified all instruments map to household heads paying for family members. Dismissed as benign.