Unlocking Value: Why Exclusive Life Insurance Products Outperform the Industry Average
As a Member Firm of M Financial Group, TRC Financial is part of a premier national financial services design and distribution network serving high-net-worth individuals and Fortune 1000 companies. Founded in 1978 on the belief that the life insurance needs and risk profiles of affluent clients differ significantly from the general population, M Financial has spent nearly five decades building a proprietary experience database. This data enables the creation of exclusive products with superior pricing and performance. Learn why exclusive life insurance products outperform the industry average.
TRC Financial’s membership and ownership stake in M Financial Group provides exclusive access, yet we retain the freedom to choose solutions based solely on what is right for our clients. We are dedicated to applying proven best practices and deep industry expertise to advocate for your financial well-being.
The result for Member Firm clients is often lower charges and enhanced value.
Client Advocacy at the Core
Client interests are the foundation of every M Financial initiative. M Financial’s 240+ professionals support a network of Member Firms located across the U.S. with expertise in product development, underwriting, advanced markets, estate planning, finance, reinsurance, and technology.
M’s due care is designed to help clients better understand the factors involved in selecting a life insurance policy; more informed decisions lead to more rewarding choices.
M’s in-force management is based on the belief that performance and cost should be measured over the life of the policy, not with an initial illustration or first-year premium. This commitment to preserving the effectiveness and efficiency of M exclusive products has resulted in 54 repricings for both new and in-force policies.
Combined, M Financial’s commitment to client due care and in-force life insurance management ensures our exclusive products remain effective and cost-efficient throughout the life of the policy. Since 1996, this proactive oversight has resulted in more than $200 million in cost reductions for clients.
Why Exclusive Life Insurance Products Outperform the Industry Average: The M Client Difference
M Financial’s products are designed with extraordinary clients in mind. 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 life insurance policyholder’s advantage:
Lapse Rate: 50% lower
In early durations, M’s lapse experience (lapsed or surrendered policies) is 50% lower than the industry average. This provides more time for M’s Partner Carriers to recoup initial expenses, driving lower ongoing policy charges for M proprietary life products.
Face Amount: 13x higher
The average face amount (death benefit) on M policies is over 13 times higher than the industry average, providing economies of scale that lower policy charges for exclusive life products.
Mortality Rate: 11% better
M’s HNW mortality experience (actual death claims) is 11% better than the industry HNW average, allowing us to offer insurance products at a lower cost.
Strength in Independence and Scale
While each Member Firm operates independently, clients benefit from the collective strength and shared expertise of the M community. With $202 billion in life insurance face amount (death benefit) and $46 billion in cash value, M Financial has the scale to negotiate favorable terms with carriers and deliver institutionally priced products.
Capital and Reinsurance Advantage
M Financial Re, M’s proprietary reinsurance entity, is unmatched in size and maturity among distribution companies. With $80 billion in life insurance face amount and $15 billion in cash value assumed, M Financial Re enables shared risk with carriers, aligning interests and driving the development of exclusive high-performing, client-focused products.
Industry Leadership
M Financial is a recognized voice in the industry:
Thirteen Member Firm Principals have served as president at Finseca (formerly AALU), the nation’s leading advocacy organization for life insurance professionals, with two currently on its board.
M Financial is the only producer group, through the M Life Insurance Company unit, that is an active member of the American Council of Life Insurers (ACLI).
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What sets M Financial apart is our commitment to collaboration with advisors - we listen to their feedback and incorporate it into our platform enhancements. Clients can be assured their trusted advisor is supported by a responsive, advisor-centric back office focused on improving the client experience. In short: M helps great advisors do their best work, so clients receive advice that’s tailored, forward-looking, and backed by a world-class wealth operations team.
M Financial Group is one of North America’s leading financial services design and distribution companies. Our global network of independent insurance, investment, and executive benefit firms provides exclusive solutions tailored to high-net-worth individuals, corporate executives, and the emerging affluent.
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.
Securities offered through M Holdings Securities, Inc., a registered Broker/Dealer, member FINRA/SIPC. M Financial Group is the parent company of M Holdings Securities.
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