Underwriter · Member M100112
Cheryl Chandran
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
67 · Female
Policy ref
M100112
Luna LU-53574948
Product
Whole Life
Segment · market
Priority · Singapore
Status
Active
Tier
4earned on Improvement path
Consent
Sharing
since 31 Mar 2026
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
4
Tier 4 · 7.5% discount
Earned on the Improvement path · No change vs 2026-Q2
Attainment
64.5
Improvement
69.8
Protect
69.8
10 points from the next band up.
Attainment inputs
Peak Consistency59th percentile× 0.45 = 26.6
VO₂ Max decileDecile 6× 0.35 = 21.0
Resting HR percentile85th percentile× 0.2 = 17.0
Attainment = 26.6 + 21.0 + 17.0 = 64.5Improvement uses the 90-day Peak Consistency change: 94th percentile
Wear rate
96% gate 80%
Fitness Age Gap
+2.8 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 | 1 | × 1 | 100 |
| Apr 2026 | 5 | × 1 | 500 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 5 | × 1 | 500 |
| Jul 2026 | 12 | × 1.25 | 1,500 |
| Aug 2026 | 11 | × 1.25 | 1,375 |
| Sept 2026 | 9 | × 1 | 900 |
| Total | 50 | 5,575 |
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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