A PASSION FOR DISTINCTION
The founding principle of M Financial is that “off-the-shelf” products often do not meet the needs of ultra-affluent and corporate clients. Since 1978, M Financial has worked closely with some of the nation’s most prestigious insurance carriers and investment firms to develop innovative products with features and flexible options that compliment the needs and goals of Member Firm clients.
Proprietary products are a natural fit for M Financial. We apply industry best practices, have a strong entrepreneurial spirit, and consistently distinguish ourselves from the competition. As we continue to look for better ways to help Member Firms achieve their clients’ goals, we remain creative and inventive. A number of factors drive M Financial’s success with proprietary products, including:
The strong, long-term relationships Member Firms have with their clients, and the deep partnerships M Financial has with a select group of Carriers, allows us to deliver differentiated products and services to Member Firms.
With a credible experience pool that clearly reflects the unique mortality, persistency, premium volume, and high average face amounts of ultra-affluent clients, M Financial is in the right place to work with our Partner Carriers in developing proprietary products priced for the clients of Member Firms.
M Financial, together with Carriers, continuously analyze the service, experience, and performance of in-force business to help make sure that proprietary products continue their effectiveness. As a result of this high level of oversight, pricing enhancements, supported by experiential data, have historically been 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 Member Firm clients.
FAVORABLE EXPERIENCE FUNDAMENTALS
A HISTORY OF SUSTAINED SUCCESS
Proprietary products are an essential part of M Financial’s success. Since the first M proprietary product was introduced in 1996, M Financial’s sales have grown at a compound annual rate of 10%. Overall, M Member Firms have more than $140 billion of face value in-force and manage client assets totaling more than $38 billion.