M Financial doesn’t have ordinary clients.
Why would we have ordinary 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 the nation’s most prestigious insurance carriers and investment firms to develop innovative products with unique 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 betters 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 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 ultra-affluent clients, M Financial is in the unique position to work with its Partner Carriers to develop proprietary products priced for the clients of Member Firms.
• Inforce Management—M Financial, together with Carriers, continuously monitors the service, experience, and performance of inforce business to ensure that proprietary products continue to be effective.  As a result of this unparalleled level of oversight, pricing enhancements, supported by experience data, have historically been applied to both new sales and inforce business, a principle that is rare in the industry.

The result of M Financial’s relationships, favorable experience fundamentals, and commitment to inforce 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.