Underwriter · Member M100497
Mei Ling Sharma
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
45 · Female
Policy ref
M100497
Luna LU-18611405
Product
Whole Life
Segment · market
Priority · India
Status
Active
Tier
4earned on Improvement path
Consent
Sharing
since 22 Nov 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
4
Tier 4 · 7.5% discount
Earned on the Improvement path · Upgraded vs 2026-Q2
Attainment
51.2
Improvement
70.2
Protect
70.2
10 points from the next band up.
Attainment inputs
Peak Consistency74th percentile× 0.45 = 33.3
VO₂ Max decileDecile 3× 0.35 = 10.5
Resting HR percentile37th percentile× 0.2 = 7.4
Attainment = 33.3 + 10.5 + 7.4 = 51.2Improvement uses the 90-day Peak Consistency change: 95th percentile
Wear rate
93% gate 80%
Fitness Age Gap
+1.9 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 | 9 | × 1 | 900 |
| May 2026 | 12 | × 1.25 | 1,500 |
| Jun 2026 | 6 | × 1 | 600 |
| Jul 2026 | 13 | × 1.25 | 1,625 |
| Aug 2026 | 13 | × 1.25 | 1,625 |
| Sept 2026 | 12 | × 1.25 | 1,500 |
| Total | 67 | 7,950 |
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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