Underwriter · Member M100728
Joanne Koh
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
26 · Male
Policy ref
M100728
Luna LU-93138418
Product
Whole Life
Segment · market
Priority · Singapore
Status
Active
Tier
Unratedbelow eligibility gate
Consent
Sharing
since 25 Jan 2026
Wear rate
71%
qualifying days, last 28
History
…
Last sync
2 days 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 Consistency83rd percentile× 0.45 = 37.4
VO₂ Max decileDecile 3× 0.35 = 10.5
Resting HR percentile60th percentile× 0.2 = 12.0
Attainment = 37.4 + 10.5 + 12.0 = 59.9Improvement uses the 90-day Peak Consistency change: 78th percentile
Wear rate
71% gate 80%
Fitness Age Gap
+2.5 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 | 8 | × 1 | 800 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 11 | × 1.25 | 1,375 |
| Jul 2026 | 11 | × 1.25 | 1,375 |
| Aug 2026 | 9 | × 1 | 900 |
| Sept 2026 | 9 | × 1 | 900 |
| Total | 57 | 6,250 |
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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