Underwriter · Member M100266
Mei Ling Tan
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
41 · Female
Policy ref
M100266
Luna LU-21765313
Product
Term Life
Segment · market
Priority · Hong Kong
Status
Active
Tier
Unratedbelow eligibility gate
Consent
Sharing
since 21 Jan 2026
Wear rate
61%
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
Unrated
Unrated · no discount
Qualifying-day rate below 80% eligibility gate
Attainment
—
Improvement
—
Protect
—
Attainment inputs
Peak Consistency68th percentile× 0.45 = 30.6
VO₂ Max decileDecile 4× 0.35 = 14.0
Resting HR percentile56th percentile× 0.2 = 11.2
Attainment = 30.6 + 14.0 + 11.2 = 55.8Improvement uses the 90-day Peak Consistency change: 80th percentile
Wear rate
61% gate 80%
Fitness Age Gap
+1.7 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 | 8 | × 1 | 800 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 6 | × 1 | 600 |
| Jul 2026 | 12 | × 1.25 | 1,500 |
| Aug 2026 | 10 | × 1.25 | 1,250 |
| Sept 2026 | 6 | × 1 | 600 |
| Total | 50 | 5,550 |
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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