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Driving Success

Through Proprietary Access


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, allows us to deliver product and service differentiation.

Favorable Experience – With a credible experience pool that clearly reflects extraordinary mortality, persistency, premium volume, and high average face amounts of ultra-affluent clients, M Financial is in the unique position to work with its Carriers Partners to develop proprietary products priced for the clients of Member Firms

Inforce Management – M Financial continuously monitors the service, experience, and performance of inforce business to ensure that proprietary products continue to be effective. Historically, pricing enhancements resulting from experience data have been applied to both new sales and inforce business, a principle that is unparalleled in the industry.

Our proprietary products include - John Hancock, Nationwide, Pacific Life, Prudential, Symetra and UNUM.

M Financial was founded on the principle that “off-the-shelf” life insurance products often do not meet the needs of ultra-affluent and corporate clients. Since 1978, M Financial has worked closely with the nation’s top insurance carriers to develop innovative products with customized features and flexible options that complement the needs and objectives of TRC Financial and other Member Firm clients.

M Financials collective buying power and superior mortality, persistency, and policy size experience result in exclusive pricing for proprietary products available to Member Firm clients.

M Experience

The composite client base of TRC Financial and other M Financial Member Firms represents extraordinary premium, volume, mortality, and persistency trends, as well as exceptionally high average policy face amounts.

This experience translates into the ability to create special and proprietary products designed for wealth preservation and executive life insurance programs.

Diverse portfolio of products for high net worth and institutional clients


higher death benefits
than the industry average


lower mortality rates
than the industry average


lower lapse rates
than the industry average

TRC Financial offers a diverse selection of exclusive products developed through our long-standing relationships and deep experience. From life insurance to executive benefits to retirement solutions, we are here to serve your needs.


Our proprietary products

Pacific Life – MVP Series
Nationwide – Marathon Series
John Hancock – Majestic Series
Pacific Life, Prudential – Magnastar ® PPLI  
Symetra – Milestone
UNUM – MonograM

Client Mortality

Client Persistency

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M Financial Lapse Experience - TRC Financial.png

Client Average Death Benefit

 M Financial Total Sales

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M Financial Total Sales - TRC Financial.png
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