Underwriter · Member M100749
Nithya Hassan
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
63 · Male
Policy ref
M100749
Luna LU-35753934
Product
Term Life
Segment · market
Priority · Hong Kong
Status
Active
Tier
4earned on Attainment path
Consent
Sharing
since 05 Nov 2025
Wear rate
82%
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
58.3
Improvement
36
Protect
58.3
22 points from the next band up.
Attainment inputs
Peak Consistency63rd percentile× 0.45 = 28.4
VO₂ Max decileDecile 6× 0.35 = 21.0
Resting HR percentile47th percentile× 0.2 = 9.4
Attainment = 28.4 + 21.0 + 9.4 = 58.7Improvement uses the 90-day Peak Consistency change: 19th percentile
Wear rate
82% gate 80%
Fitness Age Gap
+1.0 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 | 10 | × 1.25 | 1,250 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 12 | × 1.25 | 1,500 |
| Jul 2026 | 9 | × 1 | 900 |
| Aug 2026 | 12 | × 1.25 | 1,500 |
| Sept 2026 | 8 | × 1 | 800 |
| Total | 58 | 6,650 |
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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