In high-net-worth planning, the wrong insurance product doesn’t just cost more—it performs worse over time.
That’s why M Financial’s exclusive life and disability solutions, available only through Member Firms like ours, are engineered specifically for the unique needs of affluent clients and the advisors who serve them.
These products aren’t just different—they’re among the best, backed by 40+ years of data and a shared-risk structure that aligns carrier incentives with long-term client outcomes.
What makes them among the best?
— Mortality experience that’s 10% stronger than the HNW industry average
— Lapse rates less than half of the broader market, driving lower charges
— In-force management that’s returned $200M+ to clients since 1996
— Real pricing leverage with top carriers through M Financial Re
The result: exclusive product design, continuous oversight, and a platform that prioritizes client performance over shelf space.
“In a world full of products built for averages, our clients deserve something exceptional.”
If you work with clients who are evaluating long-term protection and legacy planning strategies, this is a conversation worth having.
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