At Meridian Holdings Group, we believe in providing liquidity to policyholders, while turning the cash values of life insurance policies into a safe, stable investment opportunity. By combining world-class asset backing, strong liquidity, and a smart structure, we provide peace of mind and stable returns.
Policies from highly rated carriers with typically 150+ years in business and strong regulatory oversight.
First lien security plus subordinated equity creating multiple layers of investor protection.
Targeted yields providing a concession to comparably-rated unsecured credit.
Active monitoring, policy replacement capabilities, and trustee oversight through UMB Bank.
Each year, about $200 billion in life insurance policies are abandoned in the United States. In addition, many policyholders remain unaware that they can borrow against their policy’s cash value. While traditional banking and insurance industries have failed to create efficient solutions for policyholders to leverage their assets, we've developed a streamlined approach that benefits both policyholders and investors.
Target optimal policies annually
Initial SPV target
Targeted NRSRO rating
Anticipated note tenure
Our unique position within a national network of agents and brokers enables us to source large volumes of quality collateral that meet our stringent selection criteria. We focus only on the strongest-performing policies from the highest-rated carriers, offering cash-equivalent stability with specific guarantees backed by some of the world's largest and most financially stable insurance carriers.
Our investment structure is designed with multiple layers of protection to ensure investor security while delivering premium returns. The creative architecture of our offering creates the robust framework that prioritizes safety without compromising performance.
Investor notes are protected by a first lien on policy cash values and further secured by subordinated equity from Meridian Holdings Group's parent company, creating layered security and transparency.
We work with United Missouri Bank (UMB) as trustee - the second-largest trustee bank in the U.S. - ensuring professional oversight and compliance.
Multiple excess cash flow strategies ensure you get paid: policy growth exceeding requirements, refinancing options, death benefits, or direct access to policy cash values.
Active risk management includes replacing paid-out policies with new collateral during the financing term, maintaining portfolio quality and value.
With 100% principal and interest backing, guaranteed interest from top-rated carriers, and multiple repayment avenues, our structure ensures complete investor confidence.