Underwriter · Member M100098
Grace Rahman
Tier fields only: the band, the path it was earned on and the inputs that produced it. Vitals, alerts and panels are not part of the underwriting view.
Age · sex
49 · Male
Policy ref
M100098
Luna LU-40672222
Product
Term Life
Segment · market
Priority · Singapore
Status
Lapsed · 15 May 2026
Tier
3earned on Improvement path
Consent
Sharing
since 25 Oct 2025
Wear rate
96%
qualifying days, last 28
History
…
Last sync
1 day ago
Tier and inputs
2026-Q3 assignment. Scores are 0–100; the higher of the two paths sets the tier.
Assigned tier
3
Tier 3 · 5% discount
Earned on the Improvement path · No change vs 2026-Q2
Attainment
49
Improvement
51.4
Protect
51.4
9 points from the next band up.
Attainment inputs
Peak Consistency86th percentile× 0.45 = 38.7
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile34th percentile× 0.2 = 6.8
Attainment = 38.7 + 3.5 + 6.8 = 49.0Improvement uses the 90-day Peak Consistency change: 53rd percentile
Wear rate
96% gate 80%
Fitness Age Gap
+1.2 yrs not a tier input
Rewards
Peak Days convert to loyalty points: 100 per day, multiplied by monthly volume, capped at 25 days a month.
| Month | Peak Days | Multiplier | Points |
|---|---|---|---|
| Mar 2026partial, data starts 27 Mar 2026 | 2 | × 1 | 200 |
| Apr 2026 | 16 | × 1.25 | 2,000 |
| May 2026 | 15 | × 1.25 | 1,875 |
| Jun 2026 | 20 | × 1.5 | 3,000 |
| Jul 2026 | 16 | × 1.25 | 2,000 |
| Aug 2026 | 12 | × 1.25 | 1,500 |
| Sept 2026 | 14 | × 1.25 | 1,750 |
| Total | 95 | 12,325 |
Redemptions are held by the bank’s loyalty platform and are not in the sample set; they appear here once that connector is live.
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