Overdue Policies
0
next-due passed, not yet reconciled
Missing Payer Receipts
0
no citizen_id or payer name on file
Agent-linked Loans
0
loan receiver flagged as agent
Family-clustered Agents
0
agents with a family connection
Max Overdue Days per Agent
Peak overdue gap per agent portfolio (next-due vs. current date)
Policy Status Mix
In-force / Lapsed / Reviewed breakdown
Missing Payer Receipts per Agent
Receipts missing citizen_id or payer_full_name per agent portfolio
Payment Channel Mix
Premium collection method distribution
Loan-to-Premium Ratio per Policy
Top 12 policies by ratio — ★ = agent is the loan receiver
Loan Risk Tier Breakdown
Safe (< 2.2×)
6
policies — within normal range
High (2.2 – 3×)
6
policies — requires monitoring
Critical (> 3×) + Agent
0
policies — immediate RB-01 trigger
Policy Count per Agent
Violet = family cluster — dashed line = 4-policy threshold
Family Connection Pairs
Registered agent relationships (Spouse / Parent / Sibling)
From EDA to Rule-based Engine
Each chart above represents a data signal interpreted through Insurance domain knowledge, then formalised into an explicit Business Rule. Unlike a black-box model, every alert carries traceable evidence back to source data — making the system Explainable and Auditable by design.
High Loan-to-Premium (Agent)
Policies carry loans exceeding 2.2× of ANP with the agent as receiver — indicating the agent may be borrowing against the policy they sold.
EDA Signal: Loan-to-premium ratio distribution
Threshold: ratio > 2.2× = High | ratio > 3.0× = Critical
Current: 1 cases flagged in dataset
Missing Payer Identity
High-value receipts with no citizen_id or payer name — the payer cannot be verified, raising the risk that the agent collected on the policyholder's behalf.
EDA Signal: Collection receipt payer completeness
Threshold: ≥ 1 receipt missing identity on a policy with premium > ฿16,000
Current: 5 cases flagged in dataset
Rapid Status Deterioration
Policy moves from In-force → Lapsed within 30 days — premium may have been collected by the agent but never posted to the system.
EDA Signal: Month-over-month policy status transition
Threshold: I → L status transition within a 30-day review window
Current: 5 cases flagged in dataset
Family Network Concentration
Agents within a family cluster control a disproportionate share of policies — raising the risk of coordinated fraud across family members.
EDA Signal: Agent-family relationship graph + policy volume
Threshold: ≥ 2 family connections AND ≥ 4 policies within the same cluster
Current: 8 cases flagged in dataset
Premium Overdue (Not Reconciled)
Policy premium is overdue by more than 21 days — the agent may have collected the premium but not yet remitted it to the company.
EDA Signal: Premium due date vs. next-due gap
Threshold: > 21 days overdue = High | > 35 days overdue = Critical
Current: 0 cases flagged in dataset
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