Proprietary Products

A Passion for Distinction

M Financial Group was founded on the principle that "off-the-shelf" products often do not meet the needs of high net worth 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 complement the needs and objectives of Member Firm clients.

Proprietary products are a natural fit for M Financial. Together, we apply industry best practices, have a strong entrepreneurial spirit, and consistently distinguish ourselves from the competition. We are creative and innovative, and are always looking for better ways to help Member Firms achieve their clients' goals. A number of factors drive M Financial's success with proprietary products, including:

Relationships - The strong, long-term relationships Member Firms maintain with clients, and the deep partnerships M Financial has with a select group of Carriers, allow us to deliver product and service differentiation to Member Firms.

Favorable Experience - With a credible experience pool that clearly reflects the extraordinary mortality, persistency, premium volume, and high average face amounts of high net worth clients, M Financial is in the 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 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 dedicated 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's collective buying power and improved experience (mortality, persistency, and policy size) result in exclusive pricing for proprietary products available to Member Firm clients.

Individual Underwritten Mortality Experience by Category

M Financial's mortality experience—actual death claims—is 11% less than the industry high net worth segment (face amounts greater than $1 million). This lowers cost of insurance charges for M proprietary life products.

Premium Lapse Experience

Over the past five years, and in the wake of the financial crisis, M Financial's lapse experience—policies that lapse or surrenger—has averaged nearly 60% lower than the industry. This provides a longer time horizon for Partner Carriers to recoup initial expenses, which drives lower ongoing policy charges for M proprietary life products.

Average Face Amount

M Financial's average face amount is nearly seven times that of the industry, providing economies of scale which lower policy charges for M proprietary life products.

A History of Sustained Success

Proprietary products continue to be 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 12%. Overall, M Member Firms have more than $120 billion of face value in-force and manage client assets totaling more than $33 billion.