Proprietary products

M Financial was founded on the principal 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.

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 to the innovation and creativity of Member Firms, 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 them 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 ultra-affluent clients, M Financial is in the position to work with its 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 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.

The result of M Financial’s relationships, favorable experience fundamentals and commitment to in-force management can be seen in a diverse selection of exclusive products offered by North America’s most recognized and respected insurance brands. The first M proprietary products were launched in 1996. Today, Member Firm clients have access to more than 20 M-priced proprietary products, a level of product access unparalleled in the industry.