M Financial Affiliation

M Financial Group owns M Benefit Solutions. Insurance Consulting Services is an affiliate of M Benefit Solutions. This community of member firms and affiliates work together as one of the nation’s premier financial services design and distribution network. The founding principle of M Financial is that “off-the-shelf” insurance products often do not meet the needs of all clients. The M network works closely with some of the nation’s most prestigious insurance carriers and investment firms to develop innovative products with unique features and flexible options that complement the needs and goals/aims of ICS clients. Through relationships M Financial has established with major product manufacturers—including John Hancock, Nationwide, Pacific Life, Prudential, and Unum—and the experience of more than 135 leading independent financial services firms, affiliates like Insurance Consulting Services are proficiently able to deliver customized insurance, benefits, and investment solutions to meet the complex needs of their clients.

What does M-affiliation mean for ICS clients?

As an M-affiliate, Insurance Consulting Services offers clients proprietary institutionally priced products which help ensure that clients receive quality, value and the sense of financial wellbeing that we all want from our insurance products. In collaboration with the M network, ICS has invaluable access to research, market trends, new products and better-priced solutions for our clients’ most complex needs. M Financial continuously monitors the service, experience, and performance of in-force business to be sure that proprietary products are continually effective—a huge differentiating factor that set this firm apart in the insurance industry.

As a result of this dedicated level of oversight, pricing enhancements—supported by experience data—are consistently applied to both new sales and in-force business, a principle that is rare in the industry. M Financial’s collective buying power and improved experience (mortality, persistency, and policy size) result in exclusive pricing for proprietary products available to ICS clients. Like M Financial, Insurance Consulting Services brings its clients a strong entrepreneurial spirit and sound market analysis for industry best practices—and pricing. We are creative and innovative, and are always looking for better ways to meet or exceed our clients’ goals.

M Financial Group

PROFILE

With more than 135 Member Firms, M Financial Group is one of the nation’s leading financial services design and distribution companies. Since 1978, M Financial’s network of independent insurance, investment, and executive benefit firms has served the needs of ultra-affluent people, corporate executives, successful entrepreneurs, and Fortune 1000 companies.

SERVICES

In the asset transfer, executive benefits, and wealth management markets, M Financial Group’s Member Firms are well-recognized. Through relationships M Financial has established with major product manufacturers — John Hancock, Nationwide, Pacific Life, Prudential, Unum — and the know-how of more than 135 leading independent financial services firms, Member Firms are capable to deliver customized insurance, benefits, and investment solutions to meet the complex needs of their clients.

M Financial was founded on the principle that “off-the-shelf” products often do not meet the needs of the ultra-affluent and corporate markets. For more than 35 years, M Financial has worked closely with some of the nation’s most prestigious insurance carriers and investment firms to pioneer some of the industry’s most creative solutions. The client base of Member Firms represents the experience of the ultra-affluent marketplace. Access to this experiential data, combined with the collective buying power of these clients, amounts to the ability to create proprietary products designed specifically for asset preservation, asset transfer, and executive benefits programs. These products are available exclusively to the clients of M Member Firms. In addition, M Financial’s full-service broker/dealer, M Holdings Securities, Inc. and M Financial’s wealth management division, M Wealth, provide Member Firms access to a variety of investment products and services.

M Financial Re, a subsidiary of M Financial, is a life insurance company owned by M Financial stockholders which reinsures a large percentage of the business that Member Firms write. This provides Member Firms with an equity stake in their business. Also, M Financial Re supports the producers and carriers want for quality business which helps to create and sustain strong relationships between Partner Carriers and M Financial.

For more information about this relationship go to mfin.com/disclosure For more information about M Financial Group go to mfin.com.