The Monolith Group

The Monolith Group is a privately held firm that designs bond-backed insurance strategies for affluent individuals, family offices, and their advisors. Established in 2004, Monolith pioneered the use of Variable Rate Demand Obligations (VRDOs) to fund permanent life insurance - enabling clients to amplify their succession, philanthropic, and estate planning without liquidating assets or altering existing investment strategy. We design and facilitate capital-efficient structures that align with the work of our clients' legal, tax, and investment professionals. Planning capital is deployed with no cash outlay, preserving liquidity and enhancing intergenerational outcomes. Monolith remains independent, family-owned, and discreet - supporting more than $1.5 billion in structured capital across relationships with leading banks and insurers.