M Financial Group's superior experience is unparalleled in the industry

Individual Underwritten Mortality Experience By Category

M Financial's mortality experience - actual death claims - is 11% less than the industry high net worth segment (face amounts greater than $1 million). This lowers cost of insurance charges for M proprietary life products.

Premium Lapse Experience

Even in the wake of the financial crisis, M Financial's lapse experience - policies that lapse or surrender - is superior to the industry. This provides a longer time horizon for M Carriers to recoup initial expenses, which drives lower ongoing policy charges for M proprietary life products

Average Face Amount

M Financial's average face amount is nearly seven times that of the industry. This provides economies of scale which lower policy charges for M proprietary life products