Underwriter · Member M100574
Zhao Chua
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
47 · Female
Policy ref
M100574
Luna LU-21204811
Product
Term Life
Segment · market
Private Banking · Singapore
Status
Active
Tier
4earned on Attainment path
Consent
Sharing
since 06 Feb 2026
Wear rate
100%
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 Attainment path · No change vs 2026-Q2
Attainment
78.5
Improvement
51.4
Protect
78.5
2 points from the next band up.
Attainment inputs
Peak Consistency83rd percentile× 0.45 = 37.4
VO₂ Max decileDecile 10× 0.35 = 35.0
Resting HR percentile31st percentile× 0.2 = 6.2
Attainment = 37.4 + 35.0 + 6.2 = 78.5Improvement uses the 90-day Peak Consistency change: 53rd percentile
Wear rate
100% gate 80%
Fitness Age Gap
+1.5 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 | 15 | × 1.25 | 1,875 |
| May 2026 | 14 | × 1.25 | 1,750 |
| Jun 2026 | 18 | × 1.25 | 2,250 |
| Jul 2026 | 8 | × 1 | 800 |
| Aug 2026 | 15 | × 1.25 | 1,875 |
| Sept 2026 | 12 | × 1.25 | 1,500 |
| Total | 84 | 10,250 |
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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