Client Advocacy

M Financial believes performance and cost should be measured over the life of a product, not with an initial illustration or first year premium. M Financial continuously monitors the service, experience, and performance of in-force business to ensure that proprietary products continue to be effective, from both a performance and cost perspective. As a result of this unparalleled level of service, pricing enhancements have historically applied to new sales and in-force business of a series of proprietary products.

  • There have been nine pricing enhancements to M proprietary products since 1996.
  • For clients, the impact on in-force policies includes:
    • A reduction in annual premium while still achieving endowment.
    • An opportunity to pay less total premium over the life of the policy.
    • Increased cash values and death benefit.

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