M Financial Group

With more than 140 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.

Our relationship with M Financial gives us several key benefits:

Exclusive Products

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 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.

In-force Management
  • Collaborate with Partner Carriers and align interests and philosophy.
  • Segregate M Financial’s superior experience—do not dilute quality with data from non-Member Firm clients.
  • Track experience and performance diligently.
  • Work with Partner Carriers to pass on improvements in underlying experience to existing clients.
Client Advocacy

It has been said that a head start creates a permanent advantage. M Financial is very proud of the advantages we have created for Member Firms and their clients with differentiated products, but we also realize a commitment to client advocacy involves much more.

In addition to product differentiation and in-force management, due care is a critical component of our client advocacy strategy. Life insurance due care requires an understanding of the factors that impact policy performance and drive product selection. M Financial continues to lead the industry in this regard by providing insight and analysis that deliver significant value. M Member Firms utilize these resources—assembled by a staff that includes 18 actuaries—to assist clients and advisors in making informed decisions regarding life insurance purchases.

Further, the impact of the recent economic cycle serves as a reminder that opportunities in the life insurance market should be pursued in conjunction with an insurance advisor who understands the complexities of the landscape and the mechanics of the products available. In-force service—which is provided after the purchase of the policy and remains a hallmark of M Financial’s commitment to client advocacy—is also critical. In a volatile environment, it is essential to continuously monitor policy performance and carrier nancial strength, and assess the impact of emerging trends.