Even ordinary life insurance sounds more impressive when it's monumental life. Monumental Life Insurance offers life insurance, annuities, accident and health, long term care, and structured settlements, among other products. A subsidiary of Dutch insurance giant AEGON, Monumental Life Insurance targets lower- and middle-income markets. It is licensed in all states (except New York) and Washington, DC. Monumental Life Insurance markets its products through general career agents and independent marketing groups. It also markets its final expense and funeral costs coverage through funeral directors. Many of its general agents are former military personnel who sell life insurance to service members.