Halo Control
Portfolio overview
Portfolio position and outstanding operational actions.
Discount at risk
Policies whose quarterly check-in is outstanding. The earned discount is suspended until they complete it.
Policy Holders
All policyholders and their in-force policies.
Contacts
Prospects from a self-generated illustration, waiting on a producer to work them into a full application.
Applicants
New business pending a decision. Approving one issues the policy.
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.
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
Recent questions
Fund change requests
Reallocation requests awaiting an underwriting decision.
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.
Address & ownership
Address and ownership changes awaiting an ops decision.
Address changes
Ownership changes
A "sale" reason is a transfer for value, flagged below as a possible tax event, not blocked.
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.
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
Policy loans
Surrenders
Paying a surrender is terminal. The policy closes.
Fund menu
The funds available for allocation, a local mirror pending a real carrier/fund-partner feed.
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.
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.
Producers
Servicing producers and their share of Halo's carrier compensation.
A producer's commission is a flat share of the compensation Halo accrues from the carrier on the policies they service: first-year premium, renewal premium trail and AUM trail, as set on the Commissions page. The rate is a placeholder until the producer split is agreed. There is nothing to claw back on lapse yet.
Commissions & compensation
What Halo earns from the carrier, what each RIA is owed, and each producer's quarterly statement.
Amounts based on account value (the AUM trail, RIA fees and the HaloPulse Bonus) use an estimated value (premiums paid, compounded at an assumed 8% return), a placeholder pending real fund/unit accounting. Premium streams use the premiums actually recorded.
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.
Audit trail
Every change to the book, in order.
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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