# Risk and the Benefit Multiplier (BM)

There are two categories of risk that affect a claim payout, individual risk and portfolio risk. From a customer’s perspective, consider individual risk as being the risk of I, the customer, passing away; and portfolio risk as the risk of other people passing away. 

The benefit payout in the event of a successful claim is calculated as follows: 

<table data-header-hidden><thead><tr><th width="111"></th><th width="53"></th><th width="148"></th><th width="44"></th><th width="156"></th><th width="40"></th><th></th></tr></thead><tbody><tr><td>Benefit payout</td><td>=</td><td>Base Benefit Multiplier (B.BM)</td><td>x</td><td>Benefit Multiplier Adjuster (BM.A)</td><td>x</td><td>Individual Contributions (Token holdings)</td></tr></tbody></table>

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<figure><img src="https://lh7-us.googleusercontent.com/mQ4oGe4UEVMp6W2hjzM1honfTKNHkIZ-OIfRZVJ2oxp9vdLdIR9eGQiui8d5pdXOoD-uNph8TqXDWliVBFsVLOcRNhSaoyaFLDxQ-ZvZHJZSHtlyn7R1AvKhLuHBuhzUP2NP5PJBKj8ClMmjbsPVMJQ" alt=""><figcaption></figcaption></figure>

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