PROPRIETARY LIFE INSURANCE
M Financial was founded on the principle that “off-the-shelf” products often do not meet the needs of ultra-affluent and corporate clients.
M Financial works closely with some of the nation’s most prestigious insurance carriers to develop innovative products with unique features that complement the needs and objectives of our clients. In addition to the innovation and creativity of Member Firms, a number of factors drive M Financial’s success with proprietary products, including:
Enhanced Mortality Tables
Most life insurance policies use standard mortality tables that use mortality data from the population as a whole to price policies. The M Proprietary policies are priced using mortality tables that segregate affluent clients. Since affluent individuals have superior access to health care and longer life expectancies than the average population, the life insurance companies are able to reduce the costs of insurance within the M Proprietary policies to reflect the improved mortality experience.
Persistency, Premium Volume & High Average Face Amounts
In addition to the credible experience pool that clearly reflects extraordinary mortality, the longer average persistency, premium volume and high average face amounts deliver operational savings to the carriers that are passed on to owners of M Proprietary policies. This puts M Financial in a unique position to work with the Carrier Partners to develop new innovations to meet the changing needs of M Member Firm clients.
In-Force Management
M Financial continuously monitors the service, experience, and performance of in-force policies to ensure that proprietary products continue to be effective. Historically, carriers have “re-priced” M Proprietary policies post-issue as a result of better than expected mortality experience. This post-issue cost of insurance reduction is a principle that is unparalleled in the industry.
We Specialize In:
- Proprietary Life Insurance
- Private Wealth Transfer
- Business Succession
- Charitable Planning
PHILOSOPHY:
Our affiliation with the M Financial Group gives BryanMark clients access to the M Proprietary policies that offer reduced insurance costs through the use of enhanced mortality tables in pricing policies for the affluent and ultra-affluent markets.
Legal Disclaimer:
BryanMark Financial Group, and/or its agents are licensed to sell traditional life insurance in: FL, IL, IA, IN, KS, MO, NE, NC, OK and VA. Insurance services are limited to residents of the listed states. Residents of other states should consult with a local agent for insurance services.
Securities products, may be sold in the following states: IL, KS and MO. Residents of other states should consult with a local registered representative for securities products.
Securities and Investment Advisory Services offered through registered representatives of M Holdings Securities, Inc., A registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. BryanMark is independently owned and operated.
BryanMark Financial Group is a member of M Financial Group.
Please go to www.mfin.com/DisclosureStatement for further details regarding this relationship.