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Select a jurisdiction, enter your parameters,
and click Run Analysis to begin.
Private Placement Life Insurance — Jurisdictional & Financial Analysis
Select a jurisdiction, enter your parameters,
and click Run Analysis to begin.
| Version | Date | Description |
|---|---|---|
| v1.0 | 2025-01-15 | Initial release — PPLI vs taxable account comparison with jurisdiction selector, tax rate inputs, and basic projection table. |
| v1.1 | 2025-04-02 | Added M&E fee, cost of insurance (COI) with age-based multiplier, and face amount / death benefit input. Added IRC 7702 corridor logic for US policies. |
| v1.2 | 2025-07-18 | Added China (mainland) and Sweden jurisdictions with jurisdiction-specific tax treatment and notes. |
| v1.3 | 2025-10-30 | Added estate multiplier analysis — wealth transferred per $1 of total premium paid, with peak multiplier year identification and four-chart dashboard. |
| v1.4 | 2026-01-20 | Added Australia, France, Panama, and Peru jurisdictions (listed in alphabetical order). Removed duplicate jurisdiction entries. |
| v1.5 | 2026-03-19 | Added full audit trail features: disclaimer overlay modal, analyst name bar, unique calculation ID, session log (last 10 runs), CSV export with metadata header, PDF/print export, input validation with warning banner, tax rate expiry notice, formula disclosure tooltips, and this changelog. |
| v1.6 | 2026-06-05 | June 2026 data refresh: UK CGT updated to 24% (higher rate) following the October 2024 Autumn Budget (was 20%). UK estate treatment note updated to reference pension assets entering IHT scope from April 2027. Tax verification date updated to June 2026. |
| v1.7 | 2026-08-02 | August 2026 full legislation refresh (internet-verified): US — OBBBA (P.L. 119-21, 4 Jul 2025) made estate exemption permanent at $15M/person (2026), no sunset. UK — NRB/RNRB freeze extended to April 2031; BPR/APR capped at £1M from April 2026; pension IHT April 2027 confirmed (Finance Act 2025). Brazil — LC 227/2026 now mandates all states adopt progressive ITCMD; rates 2–8%. France — assurance-vie explicitly excluded from 2026 CSG/PFU increase; regime unchanged. Australia — Division 296 (from 1 Jul 2026) imposes 30% tax on super earnings above A$3M. China — Announcement No. 21/2026 (July 2026): 20% IIT on offshore trust transfers; increased scrutiny of offshore structures. New Zealand — FIF threshold doubled to NZ$100K (2026–27); new Revenue Account Method (RAM) for unlisted offshore shares from 1 Apr 2025. |