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.

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.

Client Mortality

M Financial - TRC Financial Mortality Ex

Client Persistency

M Financial - TRC Financial Lapse Experi

Client Average Death Benefit

 M Financial Total Sales

M Financial - TRC Financial Average Face
M Financial - TRC Financial Total Sales.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

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