Happycall backlog on recent issues of an otherwise strong book

Production quality, persistency, and payment hygiene on this book are all above cohort median; the sole deviation is a cluster of 11 recent issues whose completion calls were skipped or failed and never retried. There is no accompanying replacement, payer, or claims signal, so the reasoning layer assesses this as process negligence rather than concealment — but until the calls are cured, sale-completeness verification for those policies is legally incomplete and they would fail a 금소법 §19 explanation-duty audit.

Completion-call status on issues since April 2026.