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Control
Portfolio overview
Portfolio position and outstanding operational actions.
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Discount at risk
Policies whose quarterly check-in is outstanding. The earned discount is suspended until they complete it.
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Policy Holders
All policyholders and their in-force policies.
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Contacts
Prospects from a self-generated illustration, waiting on a producer to work them into a full application.
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Applicants
New business pending a decision. Approving one issues the policy.
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Quarterly pulse check-ins
A short check-in each quarter keeps the AUM discount active.
The discount is contingent on completing the check-in. When one goes overdue the effective AUM fee
reverts to the standard 1.25% until the next check-in is completed. The earned rate is retained
on the policy and reinstated automatically.
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Assistants · settings & history
Two chat features, one shared AI provider. Set the model, see what each bot does and which tools it can call, and edit its system prompt without a redeploy.
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Bots
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Recent questions
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Fund change requests
Reallocation requests awaiting an underwriting decision.
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Beneficiary change requests
Designation changes awaiting an ops decision.
An irrevocable beneficiary can't be reduced or removed through a change request. Approving one that
tries will be refused until it's amended or the beneficiary's own signed consent is obtained outside Control.
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Address & ownership
Address and ownership changes awaiting an ops decision.
Address changes
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Ownership changes
A "sale" reason is a transfer for value, flagged below as a possible tax event, not blocked.
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Death claims
A claim on file freezes its policy from further servicing until it's paid or declined.
Benefit amounts shown before approval are estimates only, computed against an estimated account value.
The real figure is locked in only once a claim is approved. Contestable claims (within 2 years of issue)
are flagged for a closer look, never auto-declined.
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Distributions
Withdrawals, loans and surrenders, all computed against an estimated account value.
Approving caps the amount at a simple guardrail rather than rejecting outright: withdrawals up to 90% of
estimated account value, loans up to 80% net of anything already outstanding. Surrender charges aren't
modeled yet (always $0). The net figure will drop once that schedule exists.
Withdrawals
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Policy loans
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Surrenders
Paying a surrender is terminal. The policy closes.
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Fund menu
The funds available for allocation, a local mirror pending a real carrier/fund-partner feed.
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Mortality tables
The swappable life tables the illustration engine prices against.
Effective COI rate per $1,000 NAAR = qx × 1,000 × load factor. Corridor factors and GLP rates are
§7702-statutory and aren't swappable here. Only the mortality/COI table itself varies by sex,
smoker status, and risk class. Exactly one table can be the default per sex/smoker/risk-class combination.
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Run illustration
Year-by-year VUL projection against a selected mortality table. Save any run as an immutable record.
Saved illustrations
Immutable: exact inputs, table version and assumptions used are preserved regardless of later changes.
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Producers
Servicing producers and their AUM fee-revenue commission rate.
Commission is a flat share of the AUM fee Halo actually receives on a producer's book, for as long as a
policy stays in force. There's no first-year/renewal split and nothing to claw back on lapse.
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Commission statements
Per-agent, per-quarter share of accrued AUM fee revenue.
Fee revenue is computed against an estimated account value (premiums paid, compounded at
an assumed 8% return), a placeholder pending real fund/unit accounting. Statements will recompute
correctly once that lands; nothing here needs to change to pick it up.
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Users
Who can sign in to Control, and what they can do.
Passwords are generated here and shown once. They are stored only as a salted hash,
so they can't be looked up again. If someone loses theirs, issue a reset.
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Audit trail
Every change to the book, in order.
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Fund sync provider
Which live-quote provider "Sync live prices" (on the Fund menu) polls (staff-only, never shown on the Fund menu itself).
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Halo Assistant
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Try one of the questions below, or ask your own.
halo
Variable Universal Life Insurance
Life Insurance Illustration
In Accordance with the NAIC Life Insurance Illustrations Model Regulation (#582)
Notice: Read This First
This illustration is not a contract or an offer to insure. It is not a guarantee or prediction
of future policy performance. It is prepared to assist you in understanding the features of this
variable universal life insurance policy and to compare policies.
The company has prepared this illustration in conformity with the NAIC Life Insurance
Illustrations Model Regulation. Non-guaranteed elements are subject to change and could be
either higher or lower. The agent or company has no obligation to update this illustration for
events occurring after the illustration date.
This policy involves investment risk. The Cash Value and Death Benefit shown
under non-guaranteed assumptions depend on the investment performance of Sub-Accounts you select.
The actual Sub-Account performance will differ from the assumed rate shown. You could lose a
significant portion of your premiums, including principal. The 0% column reflects Halo's
guaranteed maximum policy charges. The 0% return itself is not a guaranteed minimum, and actual
Sub-Account performance could be lower. All values shown are projections only.
Premiums shown reflect a 3.0% annual escalation rate.
No front-end sales load, surrender charge, or 12b-1 fee applies to this policy.
Policy form: HVUL-2026. Issued by Halo Life Insurance Company, a Delaware domiciliary.
Prepared for
Prospective Insured
Illustration Date
Prepared by / Producer Name
Producer License No.
Policy Data
Illustration Assumptions
Policy Year Information
ALTERNATE (0% Assumed Return · Maximum Charges)
NON-GUARANTEED VALUES (Assumed Return · Standard Charges)
NON-GUARANTEED: WITH DISCOUNT (Assumed Return · HaloPulse™ Rate: Contingent, See ‖)
Yr
Age
Annual Premium
Cum. Premium
Cash Value
Death Benefit
Cash Value
Death Benefit
Cash Value
Death Benefit
† Values shown are end-of-year figures. Cash Value is Account Value before any surrender charge (no surrender charge applies to this policy).
‡ Highlighted rows indicate milestone ages (65, 70, 75, 80, 85, 90, 95) and final premium payment year. Age 95+ row shown in amber: COI charge is $0 as Net Amount at Risk = $0 (§7702 Corridor Factor = 1.0).
§ The 0% column assumes guaranteed maximum charges and a 0% gross Sub-Account return; the 0% return is not itself guaranteed and actual Sub-Account performance could be lower. The Non-Guaranteed column assumes current charges and the stated gross return. Neither column guarantees future results.
Illustration Acknowledgement & Signature Page
I, the producer, certify that this illustration has been presented to the applicant and that
I have explained that any non-guaranteed elements illustrated are subject to change. I have
made no statements that are inconsistent with this illustration.
Producer Certification
Producer Signature
Date
Printed Name
Producer License No.
I have received a copy of this illustration and understand that any non-guaranteed elements
illustrated are subject to change and could be either higher or lower. The producer has told
me they are not guaranteed. I also understand that this illustration is not a contract and is
provided for informational purposes only. I understand this policy involves investment risk,
including possible loss of principal.
Applicant Acknowledgement
Applicant Signature
Date
Printed Name
Relationship to Insured (if not applicant)
Halo Life Insurance Company · Delaware Domiciliary · Policy Form HVUL-2026
Securities offered through Halo Securities LLC, Member FINRA/SIPC.
This illustration was prepared in conformity with the NAIC Life Insurance Illustrations Model Regulation (Model #582).
A copy of this illustration must be provided to the applicant at or before policy delivery.