Underwriter · Member M100119
Kavita 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
55 · Male
Policy ref
M100119
Luna LU-27326976
Product
Term Life
Segment · market
Private Banking · Hong Kong
Status
Active
Tier
4earned on Improvement path
Consent
Sharing
since 05 Feb 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 · Upgraded vs 2026-Q2
Attainment
60.6
Improvement
66.2
Protect
66.2
14 points from the next band up.
Attainment inputs
Peak Consistency78th percentile× 0.45 = 35.1
VO₂ Max decileDecile 5× 0.35 = 17.5
Resting HR percentile40th percentile× 0.2 = 8.0
Attainment = 35.1 + 17.5 + 8.0 = 60.6Improvement uses the 90-day Peak Consistency change: 86th percentile
Wear rate
96% gate 80%
Fitness Age Gap
+1.3 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 |
|---|---|---|---|
| Apr 2026 | 16 | × 1.25 | 2,000 |
| May 2026 | 18 | × 1.25 | 2,250 |
| Jun 2026 | 13 | × 1.25 | 1,625 |
| Jul 2026 | 14 | × 1.25 | 1,750 |
| Aug 2026 | 20 | × 1.5 | 3,000 |
| Sept 2026 | 11 | × 1.25 | 1,375 |
| Total | 92 | 12,000 |
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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