About
An independent IMO built on saying the quiet part out loud.
Evergreen Legacy exists because life insurance and annuity products are sold every day without their costs and limits explained. We think the explanation is the product.
Who we are
Structure and licensing
Evergreen Legacy is a DBA of Capital Direct Financial Corporation, operating as an independent marketing organization (IMO) for indexed universal life and annuity products.
We are not a carrier and we do not underwrite. Products are issued by third-party insurance carriers; quotes and applications run with the issuing carriers; and every strategy is designed and serviced by licensed professionals.
Our agents work with multiple carriers, which means recommendations start from your situation rather than a single product shelf.
How we operate
Three rules we don't bend
- Education before application. You should understand caps, participation rates, charges, and surrender schedules before you see a recommendation.
- Balanced disclosure, always. Every product page on this site carries the other side of the story, and so do our conversations.
- Licensed professionals only. Advice comes from licensed agents, and carrier illustrations — including their guaranteed columns — stay at the center of every recommendation.