Undeniable Advantage

Insurance solutions in the M Exclusive Portfolio deliver advantages to you through creative innovation, favorable experience fundamentals, and a commitment to in-force management. These advantages can provide increased cost savings, higher cash values, and improved flexibility.

THE M ADVANTAGE: EXCLUSIVE PRODUCTS CAN SAVE YOU MONEY

In addition to independent advice, creative problem solving, and superior support, one of the benefits of working with an M Financial Group Member Firm is access to M’s suite of exclusive products. Working with carrier partners to create products designed specifically for high net worth individuals and corporate clients, these products may have lower charges and provide features that are not available in the products generally offered to consumers. These exclusive advantages become particularly important as persistent low interest rates can substantially diminish performance and prompt carriers to limit the product features available at affordable prices.

Exclusive products can provide clients with:

• Increased cost savings through lower charges compared with off-the-shelf products.

• Higher cash values achieved through lower costs and early cash value riders.

• Improved flexibility through the accumulation of higher cash value accounts.

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