As the following chart illustrates, an Evergreen policy is able to provide significant tax advantages for high net worth clients.

The example shows the substantial difference between the potential growth of a $1 million investment without an Evergreen policy when compared to a $1 million premium payment in an Evergreen policy. In fact, the Evergreen policy with an 8% per annum return on its investment component is equivalent to having to earn a 13% per annum return on the taxable investments.

Single Life

50 Year Old Male


  • 50 year old male, non-smoker
  • $1,000,000 single premium
  • 8% annual return on Investment Component
  • 45% tax rate (combined Fed. & State)
Case Study Chart
  Evergreen Policy
  Taxable Investment
(no Evergreen policy)
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