The M Advantage

“Making the Difference in the Ultra-Affluent and Corporate Markets”

M Financial Group was founded on the principle 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 the nation’s most prestigious insurance carriers and investment firms to develop innovative products with flexible options that complement the needs and objectives of Member Firm clients.

Proprietary products are a natural fit for M Financial. Together, Member Firms have a strong entrepreneurial spirit, are creative and innovative, and are always looking for better ways to help their clients achieve their goals. A number of differentiating factors drive M Financial’s success:

Relationships: Member Firms maintain strong, long-term relationships with clients. M Financial’s deep partnering with a select group of independent Carriers have facilitated the design of M proprietary products and services exclusively priced for the clients of M Member Firms. Together these relationships enable us to deliver product and service differentiation.

Favorable Experience: With a credible experience pool that clearly reflects the extraordinary mortality, persistency, premium volume, and high average face amounts of ultra-affluent clients, M Financial is in the unique position to work with our Partner Carriers to develop proprietary products priced for the clients of Member Firms.

In-force Management: M Financial, together with our Partner Carriers, continuously monitors the service, experience, and performance of in-force business to ensure that proprietary products continue to be effective. As a result of this level of oversight, pricing enhancements - supported by experience data - have historically been applied to both new sales and in-force business, a principle that is rare in the industry.