Who I Work With

Please read this page carefully. It contains important information you need to know before you approach me about life insurance. 


I meet and work with honest business owners and professionals from all over the United States who are interested in the strategic use of life insurance to build capital, personal credit, and long-term financial security and independence for themselves and their family.

However... not everyone qualifies to do business with me. The folks who tend to be the very best fit for my services are thoughtful, honest, organized, hard-working, rational self-leaders who sincerely love their families, their business, and who want to make the world a better place to live for themselves and the people they care about.

How Meetings Are Conducted

All meetings are conducted online using "one-click" video meeting software and the good old-fashioned telephone. All life insurance applications, and other necessary related documents, are filled out, transferred, and handled digitally. If you are approved for life insurance, even your policy is delivered digitally (imagine that!).

Two Ways To Pay Premiums

  1. If paying premiums out of current income, there is a minimum commitment of 5 years, so your income should be stable enough to support premiums for that long; or, 
  2. If you have saved up some money in a savings account (or elsewhere), you can fund your life insurance policy with that savings. Your accumulated savings will be "poured" into your new policy over a period of 5 consecutive years, and may be eligible for a bonus amount paid by the insurance company (which will be added directly to your life insurance policy).

Either way, you should feel comfortable with the amount of money you're funding your custom whole life insurance policy with, know why you're buying it, and have at least a general idea of how you want to use it as part of your financial plan.

Who I don't work with

I have zero tolerance for any form of dishonesty. Any act of fraud, lying, dishonesty, willful ignorance or evasion, or deception of any kind will result in a permanent ban from accessing Monegenix.com's services and applications, and applicants and policyholders who knowingly and willingly lie on applications for life insurance will be prohibited from buying life insurance from me in the future.

Furthermore, Monegenix will never knowingly do business with any professional value destroyer. These people include professional parasites, pipsqueaks, moochers, or professional mystics. 

As an agent acting on behalf of others, and entrusted with others financial resources, I refuse to knowingly help or do business with any business quisling, those who actively work against, or attempt to destroy, the legitimacy of the life insurance industry, and any other professional value destroyer or mystic.

Examples of such intolerable individuals include:

  • Professional politicians;
  • Bureaucrats;
  • Most lawyers;
  • Most academics;
  • Guilt-promoting religious leaders, psychologically manipulative gurus, power-hungry activists, and other dirty and manipulative mystics who prey on clean, innocent, minds;
  • Socialist, fascist, social justice "warriors", environmentalists, or other dishonest, value-destroying activists;
  • Most professional intellectuals;
  • Dishonest and manipulative doctors and other medical professionals who knowingly and intentionally damage the health and welfare of others;
  • Many individuals connected to the entertainment industry; and,
  • White collar hoax executives who drain hard-won business values from honest value producers.

These professional value destroyers are a harm to everyone (even themselves), and thus they deserve no protection or financial security whatsoever. Just the opposite, in fact. They deserve to be abandoned and ostracized from society so they no longer harm others. They dishonestly usurp values from others, and their underhanded and deceptive actions constantly, quietly, drain the honest value producer of his time, money, and other valuable resources. And, for this reason, they must never be helped in any way. For, helping them means sabotaging one's own life, business, and... financial security and independence. Thus, they must be left alone forever to rot and self-destruct. A total withdrawal of all support will end their destructive, parasitical, lives.

To the professional value destroyers reading this message, your fate is encapsulated in the words Batman said to Ra's al Ghul at the end of Batman Begins,

I won't kill you, but I don't have to save you.

So… who do I do business with?

Genuine, honest, innocent value producers and creators, of course! This includes:

  • Honest business owners, executives, and other value producers and creators who provide competitive values for others and society;
  • Honest lawyers, doctors, or other professionals who are a net value to others and society;
  • Honest value-producing individuals still working within the entertainment industry and academia;
  • Honest professional intellectuals who actively work to undermine today’s anti-civilization;

Individuals who produce or create genuine net values for others and society deserve to be protected from the value destroyers. They are the innocent, honest, hard-working, long-suffering souls that everyone depends on to keep society functional and free from coercion, theft, force, and other forms of irrational and destructive mysticism.

Those are the people I am here to help and support.

What You Can Expect From Me

All meetings are "virtual meetings", hosted online using simple click-to-join video meeting software. There is nothing to download or install on your computer.
If you do not have a webcam or are too shy for a virtual face-to-face meeting, the meeting can be "audio only" or done over the phone.

Once you've finished scheduling your meeting, you will receive a confirmation email with a clickable link inside it that will take you to the virtual meeting room on your scheduled meeting day. Keep this email safe——it is required to access the virtual meeting room.

Here is the 7-step life insurance planning process I use with every client:

  1. Schedule a virtual meeting with me. Usually this is a video chat meeting, but could also be a phone call meeting. We'll discuss your vision for the future and what you want to do. Next, we'll set budgets, like time budgets and money budgets. How much time do you want to devote to this? How much money are you willing to spend to insure your life? What does your current financial plan look like, and why do you want to add life insurance to it? We'll discuss what's important to you and what's not. 
  2. I'll gather "hard facts" from you. I need to know your income, expenses, assets, and general state of health, whether or not you use nicotine products, what your normal lifestyle is like, how you plan to pay for the insurance policy, who you want as beneficiaries on the policy, and so on. We'll also discuss how long you want to pay premiums for, what you want to use the policy for, contingencies, and other relevant details. This information is needed to determine the suitability of a life insurance policy and also for determining how to design The Perfect Policy™ for you.
  3. We'll agree on a policy (or policies) you need to make your life insurance plan work, and I'll design them for you. This might take up to a week to design (possibly longer), depending on the complexity of the case, your goals, and any special considerations we need to bring to the underwriting department. However, many policies can be designed within a few days.
  4. I'll set up the application for you. You'll fill out the application, and then we'll both sign the app and submit it to the underwriting department. If you have any questions about the application or underwriting process, please read about The Policy Design, Underwriting, And Planning Process
  5. Underwriting will make a decision on whether or not to approve the policy and will send notification to both you and I. You will have up to 30 days to accept the policy.
  6. Once you accept the policy, you have 10 days to look over the policy and decide whether or not you want to keep it. 
  7. I'll service the policy for as long as you're a client in good standing. Over time, you'll learn how to do important (but simple) policy servicing for yourself. You'll also receive ongoing information and education about your policy. If you ever have questions or problems, I'll be right here to help you.


Policy Servicing And Personal Responsibility As A Policyholder and Client

The life insurance industry has a customer service problem. You are typically faced with one of 2 scenarios:

  1. A life insurance agent sells you a policy and then steps out of the picture completely. You're left (mostly) on your own to get service from the life insurance company, with no real working knowledge of how your policy works.
  2. The insurance agent provides "world class service", and does everything for you, but he also leaves you helpless and dependent on him for everything. You have no real working knowledge of how your policy works. When something goes sideways on your policy, you suddenly realize you know nothing about this thing you've been paying into for decades. And, if something happens to your agent, or he retires, you're up a creek without a paddle. 

I provide an alternative where you and I work as a team

I provide ongoing education and support via phone, email, and video meetings. The only limitation here is I only provide service for policies I have designed and sold to you. There is no extra charge for this service. But, unlike most other life insurance agents, I also provide ongoing education and training so you can learn (over time, at your pace) how to manage your own life insurance policy. Ultimately, the best scenario is for you——as a policy owner——to take full ownership and control over the day-to-day management of your own life insurance policy and rely on me as a consultant, agent, and advisor to help you resolve problems as they arise. 

This is how it was always meant to be done, anyway. Life insurance companies always ask for the policyholder's approval on any policy changes. And, even though an insurance agent can assist, the insurance company is beholden to the policy owner/policyholder, not the agent. Each policyholder is personally responsible for their own life insurance policy. This is part of what makes life insurance so powerful —it separates out independent self-leaders from mystical minds who want to be dependent on others.

A practical benefit to self-responsibility is you are not dependent on the agent to manage your policy for you, and you're not vulnerable and helpless if your insurance agent dies or retires. You have more control over your money, and learn more about the basic functions of your policy, including how to initiate policy loans and schedule loan payments, make changes to premium billing, change beneficiaries, change policy owners, perform partial surrenders, and make other less common changes to your policy.

As your insurance agent, I'm always here to help. I also make recommendations when I feel it's appropriate to upgrade, downgrade, or switch coverage and provide supplemental policy servicing at no additional charge for as long as you're a client in good standing. A client in "good standing" is a client who pays their premiums on time, and never engages in any deceptive or dishonest behavior.

While most insurers are good to my clients, I also act as an advocate for you after policy issue. In other words, I will step in and fight for you if you ever have any problems, concerns, or challenges with your insurance company, regardless of how long you've been a client.

And that's it. That's the process.

It's simple, most clients say it's painless, and most clients tell me they feel a sense of relief when it's done. They also feel more financially secure and comfortable, more in control of their future, and more "at peace" with themselves, if that makes sense.

Want Additional Information About The Perfect Policy™ And How To Become A Client?

You can get an idea of how my custom whole life policy designs work and function by watching the Life Insurance AmateurClass video series, available exclusively on the Monegenix Media™ Learnistic app (for iOS and Android devices).


Access to the Monegenix Media app is free when you join my email list.