Since 1978, M Financial Group has enabled the finest financial service professionals to collectively advocate for specialized products and services exclusively for affluent individuals, corporate executives, entrepreneurs, and Fortune 1000 companies.
M Financial Group consists of – and is owned by – a national network of more than 100 independent Member Firms carefully chosen from among the elite leaders in the industry. (Member Firms are thoses firms that are stockholders of M Financial Group and are authorized to sell M Financial sponsored policies.) M Member Firms are committed to serving their clients in the most ethically responsible and strategically sound manner. While Member Firms may specialize in specific fields, all are experts in dealing with the complex issues that face affluent clients and their advisors. Member Firms regularly work with top legal, accounting, banking, and other advisors to guide affluent clients and corporations in making important financial decisions.
With its roots in the insurance industry, M’s influence derives from its buying power. If it were ranked, as life insurance companies are, by the total amount of new premium written, M Financial Group would be among the largest life insurance companies in the country. This enables M Financial Group to negotiate special relationships with major insurance carriers on behalf of its nationwide distribution network of Member Firms.
M Financial Group revolutionized the insurance industry with its approach. Today, it is the most successful insurance marketer using multiple carriers, and its product lines include investments and other financial products.
The founders of M Financial Group were life insurance entrepreneurs who recognized that their wealthy clients required special products to meet their needs for estate planning, long-term succession planning for family-owned businesses, and executive retirement planning.
“Because our clients’ life insurance policies could be written as superior risks, we wanted insurance companies to design specialized products and charge premiums that reflected our clients’ reduced risk,” says Mark Solomon, a founder and director of M Financial Group and chairman of CMS Companies, an M Financial Group Member Firm.
To encourage life carriers to develop these products, M Financial Group took its concept a step further and formed a reinsurance business, known as M Life Insurance Company, which takes a portion of the risk in each policy written through M Financial Group. Security Life of Denver was the first to work with M Financial Group to design custom products. “At the time, the concept of bypassing the traditional agency system and dealing directly with a group of producers was revolutionary,” says Solomon. Other carriers now include John Hancock, Lincoln Benefit Life, New York Life, Pacific Life, Prudential Financial, Sun Life Financial, Nationwide Financial, Lincoln Financial Group, and disability income insurer UnumProvident.
*Member Firm in no way refers to membership of FINRA.