M Financial

With over 130 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 individuals, corporate executives, successful entrepreneurs, and Fortune 1000 companies.

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 the nation’s most prestigious insurance carriers and investment firms to pioneer the industry’s most innovative solutions.

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. In addition, a number of factors drive M Financial’s success with proprietary products, including:

Relationships

The strong, long-term relationships M Financial’s Member Firms maintain with advisors and clients, and M Financial’s deep partnering with a select group of independent insurance Carriers that provide M proprietary products and services allow M Financial to deliver product and service differentiation to its Member Firms.

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 its Partner Carriers to develop proprietary products priced for the ultra-affluent market.

In-force Management

M Financial, together with its 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 unparalleled 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.

M Financial Re, a life reinsurance company owned by M Financial stockholders, reinsures a large percentage of the business Member Firms write, providing Members with an equity stake in their business. M Financial Re also aligns the interests of producers and carriers for quality business and helps to facilitate strong relationships between Partner Carriers and M Financial. M Financial Re is a subsidiary of M Financial.