Through M Financial Group, 1802 Insurance™ offers you and your clients proprietary products, pricing, and premium services designed exclusively for the ultra-affluent market.

The 1802 Insurance™ M Powered Solutions™ Difference

1802 Insurance™ is part of an exclusive network of 130+ M Financial Group firms serving the US, Canada, the UK, Dubai, and Bermuda. M Financial Group is one of the nation's premier financial services design and distribution companies serving the ultra-affluent and corporate markets.

As a member of M Financial Group, 1802 Insurance™ leverages the experience and specialization of not only our own seasoned insurance professionals but also that of more than 270 M Financial professionals, including accountants, underwriters, 17 full-time actuaries, insurance product development and management professionals, to support the needs of your clients.

Our Unique Relationship with Carriers Often Results in Better Products, Better Pricing

M Financial Group underwrites 43 percent of all insurance policies for ultra-affluent individuals. With a face amount of $186 billion in policies currently in force, representing a cash value of $44 billion, M Financial Group works closely with its partner carriers to design and develop products that meet the specific needs of ultra-affluent clients and also negotiates with carriers on behalf of those clients.

  • More than 25 proprietary products from six partner carriers.

  • Designed and priced using M Financial Group's unique persistency, face amount, and mortality experience.

  • M Mortality experience (actual death claims), is 10 percent less than the industry high-net-worth segment, lowering the cost of M proprietary life insurance products.

  • Ultra-affluent customers have more time to take care of their health, receive better healthcare, and live longer than the general population. Why should they pay the same rates?

  • M policies are seven times the average face value nationally, lowering premiums for customers.

  • The lapse/surrender rate of M Financial Group's proprietary products is nearly 37% lower than that of the industry, driving policy fees lower.

  • And M Financial Group proprietary insurance products are reinsured by M Financial Re, which invests in excess of $50 million a year in the business placed by M Financial Group member firms.