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Proprietary Products

A Passion for Distinction

M Financial Group was founded on the principle 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, we apply industry best practices, have a strong entrepreneurial spirit, and consistently distinguish ourselves from the competition. We are creative and innovative, and are always looking for better ways to help Member Firms achieve their clients' goals. 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 position to work with our 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 dedicated 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.

M Financial's collective buying power and improved experience (mortality, persistency, and policy size) result in exclusive pricing for proprietary products available to Member Firm clients.

Favorable Experience Fundamentals

A History of Sustained Success

Proprietary products continue to be an essential part of M Financial's success. Since the first M proprietary product was introduced in 1996, M Financial's sales have grown at a compound annual rate of 12%. Overall, M Member Firms have more than $120 billion of face value in-force and manage client assets totaling more than $33 billion.


M Advisory Group is presently licensed to sell traditional life insurance in the following states: AZ, CA (#0319876), CT, FL, IL, MD, MI, MN, NH, NM, NJ, NV, OR, RI, VT, VA, and WA. Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service.

Variable life and annuity products, as well as other securities products, may be sold in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, NJ, OR, PA, TX, and WA. Residents of other states should consult with a local registered representative for securities products.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. M Advisory Group is independently owned and operated.

Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.

M Advisory Group is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, tax advisor or plan provider.