M-Powered

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.