Welcome
As the Life Insurance Wholesaler/Distributor to The Monolith Group, we serve as the life insurance product experts supporting High Net Worth families via their Advisors through MEPS (the Monolith Estate Planning Strategy) and other Monolith Funding Strategies utilizing bond premium funding of life insurance.
Protect and Enhance your client's Estate while Diminishing the Impact of Federal Estate Taxes
The Monolith team has helped many high net worth individuals provide for the efficient accumulation and transfer of wealth, and we look forward to working with you to bring the benefits of MEPS and our unique bond premium finance structure to you or your clients.
High-Net-Worth families can utilize this strategy without the need for bank loans
High-net-worth and Ultra-High-Net-Worth families have been utilizing MEPS and bond premium funding for 20+ years to fund substantial amounts of Life Insurance outside their estates without any loans and with no out-of-pocket client expenditures.
MEPS works without the antiquated techniques associated with "traditional" premium financing.
MEPS Innovation
A proprietary system, engineered by John Gasowski, has been integrated with a patented financial technology to offer a low-cost alternative to traditional premium financing/bank loans for acquiring life insurance.
Since 2004, The Monolith Group has pioneered Direct Pay Letter of Credit financing, also known as Bond Financing or Variable Rate Demand Obligation (VRDO). This method is specifically designed to mitigate or significantly reduce the following key risks associated with conventional premium financing:
- Interest Rate Risk
- Spread Risk
- Renewal Risk
- Time Factor Risk
- Personal Guarantee Risk
The firm has successfully secured funding for hundreds of life insurance policies, amounting to approximately $2 billion in premiums.
