Life, Investment & Protection
A smarter way to protect your family, grow your wealth, and fund the life you actually want to retire into.
A smarter way to protect your family, grow your wealth, and fund the life you actually want to retire into.
The Halo Plan is a life cover and investment plan with no commissions, no surrender charges, and no hidden costs. The only way we get paid is a small annual fee on your plan's investment value — the same way a wealth manager charges, but available to everyone. And unlike a wealth manager, you can reduce that fee just by taking care of yourself.
Most life cover products pay the advisor a commission upfront — which comes straight out of your savings for years before you see any real growth. The Halo Plan charges a single transparent annual fee starting at 1.25%, and nothing else. Every dollar you put in works for you from day one.
Answer 30 questions across lifestyle, biomarkers, and family history. Your longevity score determines your AUM discount — a higher score means a lower fee, applied immediately to your policy for the next 12 months.
Receive monthly evidence-based health insights tailored to your profile. Stay engaged, renew your score annually, and keep your discount active — as your health improves, your AUM fee keeps falling.
Fee is reviewed and reset annually at each policy anniversary. Scores are recalculated based on your most recent health profile submission. Opting in to healthy nudges unlocks an additional +5 longevity points.
Most financial products do one thing. Halo does five — and the combination is what makes it a tool that's historically only been accessible to the genuinely wealthy. Until now.
Your family is protected from day one. A meaningful, portable death benefit that doesn't expire when you change jobs, age out of group cover, or your health changes.
Accelerated benefit riders let you access a portion of your death benefit early — tax-free — if you're diagnosed with a qualifying critical illness. Your policy pays while you're still alive to need it.
Your premiums grow in market sub-accounts — equities, bonds, or blended — with gains deferred from income tax. Withdrawals via policy loans are tax-free. It's an ISA and investment account rolled into one wrapper, without the annual limit.
Policy loans can fund residential care, in-home support, or assisted living — without triggering a taxable event. You draw on wealth you've already built, not savings you'll scramble to find at 80.
Private banks and family offices have used this exact type of plan for decades to grow wealth tax-free, fund family succession, and pass assets to the next generation. It's always required a net worth in the millions to access. The Halo Plan opens the same structure to anyone — with no minimum investment, no commission, and no financial advisor required.
Traditional underwriting relies on five or six variables. Halo's model draws on three decades of longitudinal mortality research to give you a truer picture.
Score is based on self-reported data and is used solely to determine your AUM fee tier. It does not affect underwriting or policy pricing.
| Yr | Age | Phase | Annual Investment | Cum. Premium | What You Leave Behind | Cash Value | COI Charge | Cum. COI | Admin Fee | AUM Charge | Total Charges | Inv. Gains | Net Return |
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Effective COI per $1,000 NAAR — Male Non-Smoker (2017 CSO × 0.72). Index 0 = Age 30. Female column updates live from the multiplier above.
| Age | Male Rate (per $1,000 NAAR) | Female (auto) |
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§7702 corridor multiples of account value. Index 0 = Age 30. At 2.5× a $50k account value requires a minimum $125k death benefit.
| Age | Corridor Multiple (×AV) |
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Guideline Level Premium per $1,000 face amount by issue age (4% guaranteed rate, 2017 CSO, maturity 121). Used to compute maximum funded face during accumulation.
| Issue Age | GLP Rate (per $1,000 DB) |
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