Founded in 1978, M Financial is a national organization that syndicates insurance purchasing power and technology. As one of the original M Financial Member Firms, TRC Financial has actively participated and contributed to the growth and buying power that exists at M Financial today. M Financial offers 19 exclusive life and disability insurance products available only through Member Firms. This depth of choice - with more products on the horizon - is unique among independent life insurance distribution and service firms serving high net worth (HNW) individuals and corporate clients.
Meeting the Needs of Exceptional Clients
Our focus on innovation stems from experience. Having served HNW clients since 1978, we know that "off-the- shelf" life insurance and disability products typically do not align well to their needs. So we set out to develop a portfolio that fills the gap with these critical advantages:
1) PRICING THAT SAVES YOU MONEY NOW AND OVER THE LIFE OF YOUR POLICY.
M’s exclusive products provide pricing advantages that other distributors just can’t match, based on exceptional fundamentals. Here’s how our numbers work to a policyholder’s advantage:
Face Amount (Death Benefit): The average face amount (death benefit) on M policies is over 12 times higher than the industry average, providing economies of scale that lower policy charges for exclusive life products.
Mortality Rate: M’s HNW mortality experience (actual death claims) is 10% better than the industry HNW average (Face amounts greater than $1 million), allowing us to offer insurance products at a lower cost.
Lapse Rate: M’s lapse rate (policies that lapse or surrender) is less than half the industry average, helping to drive lower ongoing policy charges.
10% BETTER With superior mortality experience on policies for HNW clients, M Financial can offer lower premiums.
2) SHARED RISK: WE HAVE A FINANCIAL STAKE IN THE QUALITY OF YOUR PRODUCT.
M Financial is the only life insurance distributor that invests its own capital - upward of $50 million annually - in business placed by our Member Firms. This investment, through M Financial Re, gives us access to carrier data about policies and their performance characteristics, which in turn provides the leverage to advocate for pricing and features that better address client needs. We effectively track experience, while monitoring changes in policyholder interests. Sharing risk aligns the interests of M Financial with our clients, which leads to innovative products designed to outperform over the long term.
3) CONTINUOUS OVERSIGHT TO PROTECT YOUR ECONOMIC INTERESTS.
Even after you’ve signed on the dotted line, M continues to add value to your product through in-force management, including experience and performance tracking. Our uncommon diligence has returned more than $200 million to policyholders and led to increased overall performance in relation to product cost. By actively managing long-term performance, we ensure that our products are not just exclusive, they are exceptional.
$200M Since M’s first exclusive product was introduced in 1996, in-force management has led to upward of $200 million in cost reductions delivered to clients.
4) GREATER CHOICE FROM THE MOST RESPECTED INSURANCE BRANDS IN THE INDUSTRY.
Our exclusive products are developed in collaboration with John Hancock, Prudential, Pacific Life, Nationwide, Unum, and other industry-leading carriers - and available only through our Member Firms and their affiliates. This gives M clients and their advisors access to a wider selection of high-quality products, including unique M offerings, from North America’s most recognized and respected insurance brands.
5) CLIENT ADVOCACY: TRUSTED GUIDANCE IN VOLATILE TIMES.
Undergirding every exclusive M Financial insurance product is a commitment to due care. Member Firms tap into our leading research and actuarial and analytics resources to assist clients and their advisors in making informed decisions. In today’s dynamic environment, guidance from experienced professionals can make all the difference - helping you understand the complexities of the landscape, put emerging trends into perspective, and select the optimal insurance product to fit your life and achieve your goals.
An Undeniable Advantage
The pricing advantages of M Financial’s exclusive products are possible because of the characteristics of our high net worth client base and our premier position among independent life insurance distribution and service firms. With higher face amounts and lower mortality and lapse rates, we are able to work with our carrier partners to provide best-in-class pricing — as high as 15% better in some cases. But the value goes beyond charge reductions and additional features. M Financial's exclusive products give our firm access to product information and insights that allow us to advocate for clients and actively manage policies, bringing the full power of life insurance to plan for retirement, estate planning, income protection, and business planning needs.
Finally, it’s important to note that TRC Financial is completely independent. Our ability to offer exclusive life insurance and disability products is an advantage for you - but not an obligation for us. You can be assured that TRC Financial will work to find the most fitting solution for your situation. And with access to M’s exclusive portfolio of differentiated products giving you more options, the likelihood is even greater that you will meet your long-term goals.
This information is for general and educational purposes and not intended as legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type.
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