Disclosures
Last updated August 2026
Halo's tools are provided for informational and educational purposes. This page summarizes the key disclosures that apply across profile.insurehalo.com and core.insurehalo.com.
Not medical advice
The longevity assessment estimates biological age and life expectancy from self-reported lifestyle, biomarker, and family-history answers, mapped to associations reported in peer-reviewed research. These are illustrative approximations, not a diagnosis, and not a substitute for consultation with a qualified healthcare professional.
Not a binding insurance offer
Any policy illustrations, quotes, or projections shown are hypothetical and for planning discussion only. They assume a level crediting rate and other stated assumptions, are not guaranteed, and do not constitute a contract, a binding illustration, or an offer of insurance. Actual policy terms are determined through formal underwriting.
Not financial or investment advice
Nothing on these Services constitutes financial, investment, tax, or legal advice, and Halo is not acting as your financial advisor through these tools.
The scoring model
The 30-factor longevity model and the retirement-runway estimate are proprietary, illustrative tools built on peer-reviewed research and actuarial methodology. They are simplifications intended to demonstrate directional impact, not precise clinical or actuarial predictions for any individual.
Contact
Questions about these disclosures can be sent to legal@insurehalo.com.