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Monumental Life Insurance

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Monumental Life Insurance is operated out of Cedar Rapids, Iowa, with administrative offices in Maryland.  The company has over $75 billion of insurance in force as of 2009, along with $35 billion in assets, $34 billion in liabilities and $1.4 billion in shareholders’ equity.  It was rated A (Excellent) by A.M. Best, A1 by Moody’s, AA by Fitch and AA- by Standard and Poor’s.  It is licensed to operate in 49 US states (all except New York) and the District of Columbia and has been in business since 1858.

Monumental Life Insurance offers a variety of insurance products for families and individuals.  For life insurance, the company offers traditional term, which has renewable features giving the ability to continue the term coverage, usually at a higher rate, but without health questions.  Whole life insurance services are also available with a host of optional riders and benefits that can be added to policies at any time. 

One feature of the whole life insurance products is the buildup of cash values that grow each year without current income taxes.  These can be accessed through loans, for emergencies or business opportunities.  Also featured is the Interest Sensitive whole life insurance policy, which has the same guarantee as regular whole life insurance, with death benefits, premiums that do not increase and cash values, but also current or excess interest may be credited to the plan to increase the accumulation of cash values.  The cash value can possibly accumulate at a faster rate, and the death benefit has the potential to increase due to excess interest credits.

Monumental Life Insurance also has specialty policies regarding cancer-related illnesses to help to cover the high cost of medical expenses and other indirect costs associated with the disease.  These policies are available in two varieties; Cancer Express pays for the specific expenses incurred, and CancerCheck provides a lump sum of cash to help with whatever the policyholder deems necessary.

 
 

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