Detected Jul 2, 2026 · continuous monitoring
Seven contracts across four quarter-end bursts (Sep 2025 → Jun 2026) share a single payment instrument that belongs to none of the policyholders; payer_relation is recorded as 'other' with a payer name matching the agent's household. The 2025 cohorts were kept current for roughly three months and then allowed to miss and lapse — the signature of premiums paid by the agent to hold production credit through a qualification window (MDRT-cycle pressure is the plausible driver given the agent's award history). Gift-expense reports in the same quarters exceed the branch ceiling twice. The current June 2026 burst is still being funded; intervention now prevents a further lapse cascade.
All premium receipts routed through the shared instrument, grouped by contract. Holders are mutually unrelated.
| Contract | Policyholder | Monthly | Receipts | Span | Status |
|---|---|---|---|---|---|
| POL-2025-116008 | Park Sunwoo | ₩61k | 5 | Sep 2025 – Jan 2026 | Lapsed |
| POL-2025-116009 | Ahn Yerin | ₩123k | 5 | Sep 2025 – Jan 2026 | Lapsed |
| POL-2025-116011 | Hwang Woojin | ₩24k | 5 | Dec 2025 – Apr 2026 | Lapsed |
| POL-2025-116012 |
The subsidized subset. Note the quarter-end issue months and the lapse fate of the 2025 cohorts.
| Contract | Policyholder | Premium | Applied | Status |
|---|---|---|---|---|
| POL-2025-116008 | Park SunwooHanbit Total Health Shield | ₩61k | Sep 25, 2025 | Lapsed |
| POL-2025-116009 | Ahn YerinHanbit Total Health Shield | ₩123k |
Quarter-end concentration and payment-fate statistics.
Preview: changes are not persisted yet.
모집종사자는 보험계약의 체결 또는 모집과 관련하여 보험계약자나 피보험자에게 금품, 보험료의 대납, 그 밖의 특별이익을 제공하거나 제공하기로 약속하여서는 아니 된다.
| Han Sanghoon |
| ₩62k |
| 5 |
| Dec 2025 – Apr 2026 |
| Lapsed |
| POL-2026-116015 | Lee Jieun | ₩44k | 4 | Mar 2026 – Jun 2026 | Inforce |
| POL-2026-116018 | Jeon Yoonseo | ₩48k | 1 | Jun 2026 – Jun 2026 | Inforce |
| POL-2026-116019 | Yoon Taeyang | ₩46k | 1 | Jun 2026 – Jun 2026 | Inforce |
| Sep 25, 2025 |
| Lapsed |
| POL-2025-116011 | Hwang WoojinHanbit Bright Dental | ₩24k | Dec 24, 2025 | Lapsed |
| POL-2025-116012 | Han SanghoonHanbit Cancer Care Plus | ₩62k | Dec 27, 2025 | Lapsed |
| POL-2026-116015 | Lee JieunHanbit Cancer Care Plus | ₩44k | Mar 26, 2026 | Inforce |
| POL-2026-116018 | Jeon YoonseoHanbit Cancer Care Plus | ₩48k | Jun 26, 2026 | Inforce |
| POL-2026-116019 | Yoon TaeyangHanbit Everyday Accident Guard | ₩46k | Jun 25, 2026 | Inforce |
제공 가능한 금품은 보험계약 체결 시부터 최초 1년간 납입되는 보험료의 100분의 10과 3만원 중 적은 금액을 초과할 수 없다.
제98조를 위반하여 특별이익을 제공한 자는 3년 이하의 징역 또는 3천만원 이하의 벌금에 처한다.
Citations will be retrieved from the compiled ontology; excerpts shown are preview text.
An agent must never pay, advance, or route a customer's premium through any instrument connected to the agent or the agent's household, regardless of amount or intent to reimburse.
Customer gift and entertainment expenses are capped at ₩900,000 per quarter and require pre-approval above ₩300,000 per customer.