Underwriter · Member M100399
Harold Ng
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
40 · Male
Policy ref
M100399
Luna LU-51584200
Product
Term Life
Segment · market
Priority · Singapore
Status
Active
Tier
3earned on Attainment path
Consent
Sharing
since 25 Dec 2025
Wear rate
93%
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 Attainment path · No change vs 2026-Q2
Attainment
54.4
Improvement
52.7
Protect
54.4
6 points from the next band up.
Attainment inputs
Peak Consistency48th percentile× 0.45 = 21.6
VO₂ Max decileDecile 8× 0.35 = 28.0
Resting HR percentile24th percentile× 0.2 = 4.8
Attainment = 21.6 + 28.0 + 4.8 = 54.4Improvement uses the 90-day Peak Consistency change: 56th percentile
Wear rate
93% gate 80%
Fitness Age Gap
+1.1 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 | 11 | × 1.25 | 1,375 |
| May 2026 | 6 | × 1 | 600 |
| Jun 2026 | 7 | × 1 | 700 |
| Jul 2026 | 7 | × 1 | 700 |
| Aug 2026 | 9 | × 1 | 900 |
| Sept 2026 | 6 | × 1 | 600 |
| Total | 46 | 4,875 |
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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