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

Chaffee & Associates LLC and their agents are presently licensed to sell traditional and variable life insurance in AL, AR, AZ, CA (California Licenses:Richard J. Chaffee #0702917), CO, CT, DE, FL, IA, ID, KS, MD, MN, MO, MT, ND, NE, NV, NY, OH, OR, PA, SC, SD, TN, TX, VA, WA, WI and the District of Columbia only. Variable life insurance is limited to MN, MT, and WA. Insurance and securities products and services are currently limited to residents of the aforementioned states; however, additional state licensing could be obtained if needed for residents of other states.

Securities Offered Through M Holdings Securities, Inc., A Registered Broker/Dealer, Member FINRA/SIPC. Chaffee & Associates, LLC is independently owned and operated.