Get an average of 30% off life insurance

1. Get your Healthy Heart Score
   To get a Healthy Heart Score, you will need to complete a health assessment. As a Multiply member, you get one free health assessment per year.
2. Get Active
   Earn Active Dayz™ by hitting 10 000 steps in a day, burning 300 calories in a session, going to the gym or participating in an event. Multiply will also recognise and use your fitness assessment level to calculate your rewards if you choose this instead of Active Dayz™.
3. Improve your Multiply status
   The number of points you accumulate will determine your status, which will determine your discounts.

If you do not have a Healthy Heart score, your discounts will be based on a red Healthy Heart Score. Active Dayz™ will be averaged over a six-month period from January to June and again from July to December. In calculating the average, the worst month of activity is ignored. Your discount during the first half of the calendar year will be based on your average between July and December of the previous year, and your discount during the second half of the year on the average between January and June.

If you were a Multiply member for less than six months, the average calculation will be based proportionately on the number of months you were a Multiply member. To protect you from a decrease in discount during the calendar year, any decreases in your scores (Healthy Heart, average Active Dayz™ or fitness level) from the ones recorded at the start of the year, will not affect your discount during a calendar year; and this will explain any differences between your actual Multiply scores and the ones used by Myriad.

You can improve your discount in the middle of the year by improving your average Active Dayz™ over the preceding six-month period. You can also improve your discount at any stage if you go for a health or fitness assessment with an improved outcome or improve your Multiply status. The highest discount level (MAXFIT) will only be applicable if you have a Level 5 fitness assessment result and a green Healthy Heart Score.

If you do not have a Healthy Heart Score, your discounts will be based on a red Healthy Heart Score. Active Dayz™ will be averaged over a six-months period from January to June and again from July to December. In calculating the average, the worst month of activity is ignored. Your discount during the first half of the calendar year will be based on your average between July and December of the previous year and your discount during the second half of the year on the average between January and June.