Underwriter · Member M100777
Elaine Reddy
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
58 · Female
Policy ref
M100777
Luna LU-92482222
Product
Whole Life
Segment · market
Priority · Singapore
Status
Active
Tier
Unratedbelow eligibility gate
Consent
Sharing
since 08 Nov 2025
Wear rate
79%
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 Consistency78th percentile× 0.45 = 35.1
VO₂ Max decileDecile 9× 0.35 = 31.5
Resting HR percentile52nd percentile× 0.2 = 10.4
Attainment = 35.1 + 31.5 + 10.4 = 77.0Improvement uses the 90-day Peak Consistency change: 88th percentile
Wear rate
79% gate 80%
Fitness Age Gap
+1.2 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 | 1 | × 1 | 100 |
| Apr 2026 | 9 | × 1 | 900 |
| May 2026 | 10 | × 1.25 | 1,250 |
| Jun 2026 | 10 | × 1.25 | 1,250 |
| Jul 2026 | 6 | × 1 | 600 |
| Aug 2026 | 11 | × 1.25 | 1,375 |
| Sept 2026 | 10 | × 1.25 | 1,250 |
| Total | 57 | 6,725 |
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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