Unmatched portfolio of products for high net worth clients

M Financial offers a diverse selection of exclusive products developed through our long-standing relationships and deep expertise. From life insurance to executive benefits to retirement planning and wealth management solutions, M and our Member Firms can meet virtually any client need.

Preferred pricing on exclusive products

M’s best-in-class experience fundamentals lead to lower costs and economies of scale for clients.
higher face amounts

than the industry average

lower mortality rates

than the industry average

lower lapse rates

than the industry average

Life Insurance

M offers a range of proprietary life insurance products, including:

  • Variable Universal Life (with fixed and indexed account options)
  • Indexed Universal Life (with fixed account options)
  • Guaranteed Universal Life (variable and fixed)
  • Survivorship Universal Life (variable and indexed)
  • Private Placement Life

Member Firms also have access to retail products from M carriers:

  • Fixed Universal Life
  • Term Life
  • Whole Life
  • BOLI
  • COLI

Our proprietary products include:

  • Pacific Life – MVP Series
  • Nationwide – Marathon Series
  • John Hancock – Majestic Series
  • Pacific Life, Prudential – Magnastar ® PPLI  

Disability Income Insurance

M offers custom and employer-sponsored plans designed to protect income and assets in the event of a disabling injury or illness. These plans offer pricing advantages that help clients protect their future, cost-effectively.  

Our Proprietary Product:

UNUM – MonograM

Long-Term Care Insurance

When an illness or injury results in an extended period of care, an individual’s assets may become vulnerable. M’s long-term care solutions complement medical insurance by helping the individual to remain financially secure while safeguarding their earnings and investments.

Member Firm financial professionals have the expertise and resources to help clients set the flow of their income stream. They offer tailored annuities for every situation.


Annuities are flexible financial tools for income planning. M offers a range of annuity types, including ones designed for tax-deferred investing, estate and divorce settlements, charitable gifts, and guaranteed income for life.

Retirement Services

Retirement Services from M Financial provides turnkey sales and marketing support to help Member Firms reinforce their competitive edge with qualified plan clients, grow their retirement practices, and improve their profitability.

Access to tools and resources for plan and advisor benchmarking, investment analytics and performance monitoring, marketing, and educational enrichment.

M Wealth

M Wealth offers a wealth management solution that takes a long-term, data-driven approach informed by evolving academic research and guided by the expertise of some of the world’s most respected money managers.

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M Benefit Solutions

An experienced executive benefits provider, M Benefit Solutions helps companies develop differentiating benefit and funding strategies that address their business goals and lead to greater success in attracting and retaining top talent.

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Exclusive Capabilities

We offer access to exclusive products and services tailored to the needs of HNW individuals, executives, and business owners—providing value and excellence unparalleled in the industry for more than 40 years.

M Member Firms come in all sizes and specialties, but their commitment to excellent service and client advocacy is the same.