The Clearview Group logo Monolith funding

For partners with a buy/sell agreement

Your business outgrew the funding behind your buy/sell agreement.

We will fully fund your buy/sell agreement through Monolith in 90 days, with no capital from you or the business.

22 years refining Monolith 400+ families using it No capital required

Business value today What the agreement obligates
Funding behind the agreement Policies bought years ago
The unfunded gap
400+ families have put the strategy in place.

The agreement sets the price. Someone still has to write the check.

If a partner dies and the agreement is short, the surviving partner may need millions to buy out the family.

Monolith through The Clearview Group uses a proprietary process to fund your agreement needs, using a “self-completing” outside capital structure instead of your cash.

3 steps to a fully funded buy/sell agreement

  1. 01

    Measure the obligation

    We price each partner's share today and as the business grows.

  2. 02

    Find the funding gap

    We compare that obligation against your existing buy/sell agreement, or establish a new buy/sell agreement.

  3. 03

    Fund the agreement

    The Monolith process funds the policies sized to your obligation, so no capital is ever required from the business or the owners.

These numbers cover the framework and the problem it solves:

22 years developing and refining the Monolith framework.
400+ families have put the strategy in place.
70% of family businesses fail to survive the second generation.

Source: Family Business Review, "Succession and Survival" (2023).

Case: Meridian Partners

A $65M firm, fully funded, with nothing out of pocket.

$65M

Firm value

$65M+

Buy/sell liquidity in place

$0

Owner or business outlay

Every

Advisor kept

Where the premium money came from: the Monolith outside capital structure, not the partners' cash and not company reserves. In your review we walk through exactly where the premium dollars come from for your partnership.

Full funding without a dollar from the business or the owners

  • No capital required

    Monolith funds the policies without capital from you or the business.

  • Your advisors stay in place

    We work alongside your attorney, CPA, and financial advisor.

  • Built for future valuation

    The buy/sell grows as the business keeps growing.

Frequently Asked Questions

What does "no capital required" mean?

The Monolith process raises the capital for the life insurance your agreement needs. You and the business commit no capital and no ongoing premiums or expenses.

How does The Clearview Group get paid?

There are no upfront planning fees. Clearview gets paid only when a qualified client moves forward with the strategy.

Do we have to replace our attorney, CPA, or family office?

Your existing advisors stay in place. The Clearview Group coordinates with your attorney, CPA, and financial professionals.

What is the minimum to qualify?

Monolith fits partnerships where each partner holds at least $10 million in net worth, including business value.

How long does this take to set up?

We typically put the structure in place within 60 to 90 days of the qualification review.

What happens as the business keeps growing?

The structure is designed to accommodate business growth. Annual reviews determine the requirements.

What if a partner has health issues?

We run a confidential health and financial review before any design work, so you know early whether it fits.

Built for

  • You're one of two to four partners in a closely held business.
  • The business value has severely outpaced the buy/sell agreement.
  • You don't have a buy/sell agreement and urgently need one that is funded.
  • You want to protect the business and its value.
  • You don't want to pull millions from operations for premiums.

Who it's not for

  • Sole owners with no partner to buy out.
  • Partners whose net worth sits below $10 million each.
  • Businesses whose insurance already matches current valuation.
  • Owners shopping for a term life quote.

Fund the agreement without taking money out of your pocket or the business

A 30-minute qualification review shows whether Monolith fits your partnership.

© The Clearview Group. Monolith is a proprietary funding framework of The Clearview Group. This page is general information, not legal, tax, or insurance advice.