Life, Disability and Long-Term Care

Who is your insurer pooling you with?

Has your insurance company reduced your costs because you are a superior risk?

Do you really understand the pricing dynamics of your policies?

Does your insurance advisor re-insure a piece of your risk?

When did you last audit your coverage for innovation and price savings?

Our firm has an unfair competitive advantage with our life, disability, and long-term care product offerings...

Many of the products we help clients acquire are simply priced better because of our position in the marketplace. As a member firm of the M Financial Group, we are an independent and entrepreneurial firm that is part of one of the nation's most successful buying consortium. Over the thirty plus years that M has been in business, it has simply brought a better risk to its insurance carrier partners because our clients buy on purpose, take better care of their health, and, thus, live longer. The carriers have passed that realized savings onto M Financial clients by charging less for coverage. This results in tremendous product design flexibility and improved long-term product performance.

Marrying the most appropriate product(s) to the client's planning objectives is as important as anything we do. Therefore, although product advantages are nice, our technical planning knowledge and skills are critical to the process. So is our understanding of product and carrier selection. We are constantly pro-actively studying the marketplace (which today is rapidly changing and developing) to ensure we can identify the ideal fit for a client's personal circumstances.

Further, our underwriting experience and relationships can make all the difference in the world in the planning we do for clients. Therefore, we make a point of building relationships with the underwriters making the decisions on our clients' health. This helps build our credibility and trust, and allows our clients the fairest possible consideration for the insurance they want to acquire.